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 2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645)  or 10x Natureland Vouchers (worth S$500) or Apple AirPods Max (worth S$749) or Sony Camera (ZV-1F) (worth S$769) upon activating and spending a min. S$500 within 30 days of card approval.
• Valid from 11 August to 31 August 2025
• 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

• Receive up to 60,000 miles when you spend S$4,000 + pay annual fee within 30 days of card approval to be eligible for reward
  • Pay the annual fee of S$599.50 (inclusive of GST) to receive 25,000 miles
  • Spend S$4,000 to receive 35,000 miles
• Promotion is valid for new and existing DBS credit cardmember
• Promotion is valid until 31 August 2025
• Read Terms and Conditions here

• 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 iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson OnTrac™ headphones (worth S$699) or S$480 Grab Vouchers or S$450 Cash via PayNow when you pay the annual fee, spend S$500 by the end of the following calendar month + provide marketing consent
• Valid from from 27 August to 31 August 2025
• 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 31 August 2025
• 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

Income Requirement

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

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

Flash Deal:

• Get Apple Airpods Pro (Gen 2) (worth S$349) or Samsonite Straren Spinner 67/24 (worth $600) or S$300 Cash via PayNow when you spend S$500 in the first 30 days of card approval date
• Must be one of the first new-to-bank 20 applicants every week
• If you are not part of the first 20, you’ll get the usual rewards
• Valid from 11 August to 31 August 2025

Usual Rewards:

• Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 in the first 30 days from card approval date
• Valid from 11 August to 31 August 2025
• Valid for New-to-Bank Cardholders
• Read Terms and Conditions here

• 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

• 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

• Receive Samsonite Straren Spinner 67/24 (worth S$600) or 7K Max Miles or S$200 Grab Voucher or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval
• Valid from 18 August to 31 August 2025
• Read Terms and Conditions here
• Promotion is valid for new to bank credit card holders
• 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 apply with annual fee payment (S$196.20 incl. GST) 
• Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval + waived annual fee for the first year
• Promotion is valid until 30 September 2025
• Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

• 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 Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$438) or Dyson Airwrap Origin (worth S$549) or Xiaomi Robot Vacuum X20 Pro (worth S$579) or S$430 Grab Voucher or S$360 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
• Valid from 27 August to 31 August 2025
• 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

To maximize perks, consider doing this strategy of applying to other Maybank cards first. Apply for the Maybank Family & Friends Card (if you’re eyeing the XL Cashback) or the Maybank World Mastercard (for XL Rewards). These unlock stronger sign-up bonuses and complementary benefits later on.

• Receive a Samsonite ENOW Spinner (worth S$570) when you spend S$1,300 (or S$1,200 with CreditAble application) within two months on your first card—then apply for your chosen XL card to get 12 months of complimentary travel insurance.
• Read Terms and Conditions here
  
• Fill up this google form after signing up to qualify for rewards

Apply for a Different Card First: If you’re eyeing the XL card, consider starting with another Maybank card to make the most of your sign-up bonus. Going for the Maybank World Mastercard or the Family & Friends Card first can unlock more valuable perks—like non-expiring miles through Rewards Infinite Membership or higher everyday cashback. It’s a smart way to maximise your rewards right from the start.

• Maybank XL Rewards:

  • Earn 4 miles per dollar on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.4 miles per dollar on other spends

  • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

• Maybank XL Cashback:

  • Earn 5% cashback on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.2% cashback on other spends

  • Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.

  • Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.

    • Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.

Annual Fee

• S$87.20 (waived for the first 2 years), can be waived when you perform an annual spend of S$6,000

Age Requirement: 

• 21 to 39 years old

Income Requirement

• S$30,000 (Singaporeans/PRs), S$45,000 (Malaysian), S$60,000 (Foreigners)

Terms and Conditions:

• XL Rewards Card
• XL Cashback Card

Read Full Review

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
• Fill up this google form after signing up to qualify for rewards
• Read Terms and Conditions here

• Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
  • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
• Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
• Minimum spend of S$800
• Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
• Earn unlimited 0.3% cash rebates on all spends below S$800

Annual Fee

• S$180 (First 3 years free)

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

How to choose my Categories

• To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

• Best Cards for Kris+ – must choose dining and/or online shopping category
• Best Cards for EV Charging – must choose transport category
• Best Cards for Bus/MRT
• Best Cards for Ride Hailing
• Best Cards for Telco
• Best Cards to pair with Amaze
• Best Cards for Petrol 
• Best Cards for Food Delivery
• Best Cards for Public Transport
• Best Cards for Grocery
• Best Cards for Restaurant

Terms and Conditions

Read Full Review

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
• Fill up this google form after signing up to qualify for rewards
• Read Terms and Conditions here

• Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
• Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
  • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
  • Earn 2.8 miles per dollar when you spend a minimum of S$800
  • Earn 0.4 miles per dollar when you spend below S$800
• Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

Annual Fee

• S$240, waived for the first year

Income Requirement

• S$80,000 (locals/PRs)

Know what this card is best for

• Best Cards for Flights
• Best Cards for Hotel (FCY)
• Best Cards for Petrol 

Terms and Conditions

Read Full Review