Best miles credit cards with an annual fee of S$200 or less (October 2026)

Ranked by net value (yearly miles minus the annual fee) at S$3,000/mo, Economy · Short-haul. We compared all 9 eligible cards.

  1. 1UOBKrisFlyer UOB Credit CardEarns KrisFlyerMiles a year69,400Annual feeS$196.20Net value+S$620.99
  2. 2HSBCHSBC Revolution Credit CardEarns Asia Miles · KrisFlyer · Flying Blue · AviosMiles a year48,000Annual feeS$0Net value+S$565.20
  3. 3MaybankMaybank XL Rewards CardEarns KrisFlyer · Asia MilesMiles a year57,600Annual feeS$114.45Net value+S$563.79
  4. 4Trust Bank SingaporeTrust Freedom Card (Miles mode)Earns KrisFlyerMiles a year46,800Annual feeS$27.25Net value+S$523.82
  5. 5DBSDBS yuu Card (Visa / American Express)Earns KrisFlyerMiles a year60,200Annual feeS$196.20Net value+S$512.66
  6. 6HSBCHSBC TravelOne Credit CardEarns Asia Miles · KrisFlyer · Flying Blue · AviosMiles a year49,596Annual feeS$196.20Net value+S$387.79
  7. 7American ExpressThe American Express Singapore Airlines KrisFlyer Credit CardEarns KrisFlyerMiles a year43,100Annual feeS$179.85Net value+S$327.65
  8. 8MaybankMaybank Perks CardEarns KrisFlyer · Asia MilesMiles a year20,200Annual feeS$59.95Net value+S$177.91
  9. 9DBSDBS Woman's Card (Mastercard Platinum)Earns KrisFlyer · Asia MilesMiles a year30,000Annual feeS$190.75Net value+S$162.50
Different spending means a different ranking. You can also pick your route, cabin and season.
Recalculate with my spending →

Based on issuer disclosures as of 2026-10-01. How we calculate

More rankings