Best Cards For Airport Lounges Passes

Option 1: Direct Bank Promotion – Higher Qualifying Spend

• Receive up to 142,500 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$2,000 in the first 2 months of card approval
• Read Terms and Conditions here
• Valid until 16 January 2026
• Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)

Option 2: Singsaver – Lower Qualifying Spend

• Get Staycation Package: 2D1N – Sofitel City Centre (worth S$608) or Apple Watch Series 11 (GPS), 42mm Aluminium Case (worth S$599) or Sony WH-1000XM6 Wireless Noise Cancelling Headphone (worth S$649) or S$480 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
• Valid from 06 – 15 January 2026
• Promotion is valid for new to bank credit card holders
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email to secure your rewards after you have applied!

• Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, 12 priority visits per calendar year, 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
• Points has no cap and expiry

Know what this card is best for:

• Best Cards for Airport Lounge
• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

NIL

• Earn 1.5 miles or 1.5% cashback per dollar; 3.75 DBS Points for every S$5 spent locally, such as groceries, shopping and more  and 2.2 miles or 2.2% cashback per dollar; 5.5 DBS Points for every S$5 spent on overseas purchases in foreign currency

• This comes with ten (10) free airport lounge visits per membership year

• This is also best used with CardUp to pay for expenses that typically don’t earn miles, you basically pay a service fee to charge those payments to your DBS Vantage card and accumulate rewards. This is similar to “buying” miles.

Income Requirement

• S$120,000 (locals/PRs & foreigners)

Transfer Partners

• Krisflyer, Cathay Pacific Asia Miles, Qantas, Air Asia

Know what this card is best for:

• Best Cards for Airport Lounge
• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

• Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
• Valid from from 02 – 15 February 2026
• Available for New HSBC Cardholders
  
  • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email to secure your rewards after you have applied!

For Existing HSBC Cardholders:

• Get Up to 24,000 miles when you pay the annual fee and spend S$1,000 by the end of the following month
• Valid until 01 February 2026
• Available for Existing HSBC Cardholders
  • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
  • Eg. You already hold an HSBC Live+ Card and you apply for HSBC TravelOne, you are already an existing cardholder.
• Read Terms and Conditions here
• Must provide marketing consent to HSBC
• This gift will be fulfilled directly by HSBC

• Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.

Annual Fee

• S$196.20 (inclusive of GST), first year free waiver

Points Expiry

• After 37 months

Transfer Partners

• Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines

Know what this card is best for:

• Best Cards for Airport Lounge

Terms and Conditions

Read Full Review

• Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
• Applicants from 21st-108th will get S$88 Cash via PayNow
• Remaining applicants will get S$60 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 28 February 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn 1.4 miles per dollar for local spending
• Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
  • 3 miles per dollar on selected currencies:
    • Malaysian Ringgit
    • Indonesian Rupiah
    • Thai Baht
    • Vietnamese Dong
  • 2.4 miles per dollar on other currencies
• Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
• One-way Airport Transfer Service for AMEX Version only
• S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

Annual Fee

• S$261.60, first year waived

Income Requirement

• S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

• UNI$ expire two (2) years after the last day of the quarter in which they were earned.

Know what this card is best for

• Best Cards for Airport Lounge
• Best Cards for Flights
• Best Cards for Hotel
• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

• Get S$175 eCapitaVoucher or 12K HeyMax Miles (worth S$216) or Apple Airpods 4 (without Active Noise Cancellation) (worth $199) or Samsonite STRAREN SPINNER 67/24 (worth S$600) or Xiaomi Truclean W20 Wet Dry Vacuum (worth S$259) when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
• Valid for New to DBS/POSB Customers only
• Valid from 02 February – 01 March 2026
• Read Terms and Conditions here

• Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
• This comes with two complimentary lounge passes per 12-month membership period

Terms and Conditions

Read Full Review

Singsaver Reward:

• Get 12,000 Max Miles by HeyMax or Samsonite Straren Spinner 67/24 (worth S$600) or S$200 Grab Voucher or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply visa Singsaver):
  • EasyPay (can be applied directly (not via SingSaver) and will still be eligible if conditions are met)
    • Complete 3 retail credit card transactions of min. S$150 each (Min. tenure: 12 months
  • Bonus$aver Account
    • Open account with min. S$3,000 deposit 
  • CashOne Personal Loan
    • Min. approved loan: S$1,000 (Min. tenure: 12 months)
  • Credit Card Funds Transfer (CCFT)
    • Min. approved amount: S$1,000 (Min. tenure: 3 months)
• Note: After card approval, Singsaver will email you the link where you can apply for a bonus product, you MUST apply through that link only to secure the reward. Applying on the direct bank website will not be valid.

• Valid until 01 March 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email to secure your rewards after you have applied!

Stackable with Direct Bank Rewards:

• Receive up to 30,000 miles
• Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
• Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
• Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
• Promotion is valid until 31 March 2026
• Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

• Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
• This comes with 2 complimentary airport lounge passes

Terms and Conditions

Full Review

Option 1: Direct Bank Promotion

• Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
• Valid til 28 February 2026
• Read Terms and Conditions here

Option 2: Singsaver Promotion

• Get 25,000 HeyMax Miles (worth S$450) or Dyson Airstrait™ straightener (worth S$799) or Apple Watch SE Gen 3 40mm (GPS) (worth S$349) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid from 02 – 15 February 2026
• Promotion is valid for new to bank credit card holders
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!
•  

• Earn uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

• Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

• The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

Terms and Conditions

Read Full Review

• Get up to S$30 Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval + an exclusive S$50 Shopee Voucher Pack when you use on Instant Checkout on Shopee
• Must be a new-to-bank customer
• Valid until 31 December 2026
• Read Terms and Conditions here

Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

• Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout 
• Earn 1.5% Unlimited Cashback on eligible card spend
• No minimum monthly spend requirement and no maximum cashback cap
• No FX fees

Annual Fee

• None

Income Requirement

• S$30,000 (Singaporeans or PR)

When is Cashback Credited

• It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

1.5% Cashback Terms and Conditions

1.5% Overseas Spend

1.5% Shopee Coins

Read Full Review

• Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
• Applicants from 21st-108th will get S$88 Cash via PayNow
• Remaining applicants will get S$60 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 28 February 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn 12% cashback on Singtel/GOMO spend
• Earn 10% cashback on Local Online and Mobile Contactless spend (Apple Pay, Samsung Pay, Google Pay)
• Earn 0.3% cashback on all other local and overseas spend
• Minimum spend of S$800 each statement month
• Total Cashback of S$80
  • Singtel/GOMO spend – S$30
  • Local Online and Mobile Contactless spend – S$30
  • All other spends – S$20
• At your max hack level, you will need around S$250 worth of spending on Singtel/GOMO Spend and S$300 worth of spending on Local online and mobile contactless spend as well as another S$250 spend on other types of spend to receive the max effective cashback of 7.59%.
• Get up to 20% fuel savings at SPC
• No foreign currency fees on overseas spends
• Get up to S$300 Singtel Vouchers when you spend locally
  • S$24,000 spend/year = S$300 voucher
  • S$12,000/year = S$100 voucher