Roundup: Credit Card Sign-up Bonuses (November 2024)

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Planning to apply for a credit card this month? Here's all the sign-up bonuses available for November 2024.

Here’s The MileLion’s monthly roundup of the latest credit card sign-up bonuses in Singapore for November 2024. 

If you have any big ticket spending coming up, these bonuses could be an opportunity to rack up some extra miles or gifts, so plan your spending accordingly!

๐Ÿ’ณ Credit Card Sign-Up Bonuses: November 2024
Primer: Sign-up Bonuses
๐Ÿ‘‰ Primer: Sign-Up Bonuses

A sign-up bonus can be summarised as: spend S$X in Y days to get Z miles

While there are cards which offer miles with the payment of the annual fee (e.g. HSBC Visa Infinite, Standard Chartered Visa Infinite), I’m only looking at offers with a spending component, since this lets you earn miles as a by-product of spending.

Some questions to ask before getting started:

  • Should I cancel any of my existing cards so I can regain new-to-bank status?
    • The best offers are typically reserved for new-to-bank customers, defined as those who don’t hold a principal credit card with a given bank, and have not cancelled one in the past 12 months (this can be as short as 6 months for some; refer to the definition in the T&Cs)
    • If you have only one card with a given bank and don’t use it, consider cancelling it so you can start the clock on resetting your new-to-bank status
  • When do I expect my payments to be due?
    • Credit card sign-up bonuses require you to spend a certain amount in a given time period, usually 30, 60, or 90 days
    • By timing your applications around your payment dates, you stand a better chance of meeting the minimum spend
  • [For those with a partner] Can we leverage “two-player” mode?
    • If your spending is significant, then each of you could sign up for a principal card to enjoy the same bonus twice
    • If your spending is not so large, then one of you could sign up for a principal card and give the other as supplementary card, so as to pool your spending
    • Remember, you can only transfer miles to the principal cardholder’s frequent flyer account. However, KrisFlyer allows you to redeem miles for friends and family, so this won’t be that big a deal

At a glance: Current sign-up bonuses

Here’s a summary of the current sign-up bonuses on the market, presented two ways: 

  1. Payoff ratio
  2. Cost per mile

Payoff ratio refers to the bonus miles divided by total spend (excluding annual fee). Basically: what’s the bang for your buck? For every S$1 of spend, how many miles do you get?

On that basis, here are are best sign-up offers. 

๐Ÿ’ณ Credit Card Sign-Up Bonuses
(sorted by payoff ratio)
  Spend (AF) Miles^ Payoff@
DBS Altitude AMEX
Apply
Ends 31 Jan 25
S$800
(S$196)*
35K 43.8
HSBC T1 Card
Apply
Ends 31 Dec 24

S$500
(S$196)
20K 40
Citi Premier Miles
Apply
Ends 28 Feb 25

S$800
(S$196)*
30K 37.5
DBS Altitude Visa
Apply
Ends 31 Jan 25
S$800
(S$196)*
30K 37.5
AMEX KF Ascend
Apply
Ends 2 Dec 24
S$1K
(S$343)
36.8K + S$50 36.8
Citi Prestige
Apply
Ends 31 Dec 24
S$2K
(S$545)
50K 25
Citi Rewards
Apply
Ends 28 Feb 25
S$800
(FYF)
16K 20
UOB VI Metal
Apply
Ends 31 Dec 24
S$4K
(S$654)
80K 20
AMEX KF Card
Apply
Ends 2 Dec 24
S$1K
(FYF)
15.9K + S$50 eCV 15.9
DBS Vantage 
Apply
Ends 31 Jan 25
S$4K
(S$600)
60K 15
StanChart Journey
Apply
Ends 31 Mar 25
S$3K
(S$196)*
45K + S$190 15
KrisFlyer UOB
โš ๏ธ Cap Applies
Apply
End 30 Nov 24
S$2K
(FYF)
25K 12.5
UOB PRVI Miles Card
Apply
Ends 30 Nov 24
S$4K
(S$261)
46K + S$50 11.5
AMEX HighFlyer
Apply
Ends 15 Jan 25
S$3K
(S$305)
27.6K 9.2
AMEX Plat Charge
Apply
Ends 2 Dec 24
S$8K
(S$1,744)
55K + luggage + S$100 6.8
^Does not include base miles
*Fee waiver option available, with smaller number of bonus miles. See below for full details.
@ Ignores non-miles gifts

Cost per mile refers to the annual fee divided by bonus miles. If you need to pay an annual fee as part of the sign-up bonus, you’re essentially paying for miles- the question is, how much?

On that basis, here are are best sign-up offers.

๐Ÿ’ณ Credit Card Sign-Up Bonuses
(sorted by cost per mile)
  Spend (AF) Miles^ Cost Per Mile@
AMEX KF Card
Apply
Ends 2 Dec 24
S$1K
(FYF)
15.9K + S$50 eCV
KrisFlyer UOB
โš ๏ธ Cap Applies
Apply
Ends 30 Nov 24
S$2K
(FYF)
25K
Citi Rewards
Apply
Ends 28 Feb 25
S$800
(FYF)
16K
StanChart Journey
Apply
Ends 31 Mar 25
S$3K
(S$196)*
45K + S$190 0.44
DBS Altitude AMEX
Apply
Ends 31 Jan 25
S$800
(S$196)*
35K 0.56
UOB PRVI Miles Card
Apply
Ends 30 Nov 24
S$4K
(S$261)
46K + S$50 0.57
Citi Premier Miles
Apply
Ends 28 Feb 25
S$800
(S$196)*
30K 0.65
DBS Altitude Visa
Apply
Ends 31 Jan 25
S$800
(S$196)*
30K 0.65
UOB VI Metal
Apply
Ends 31 Dec 24
S$4K
(S$654)
80K 0.82
AMEX KF Ascend
Apply
Ends 2 Dec 24
S$1K
(S$343)
36.8K + S$50 0.93
HSBC T1 Card
Apply
Ends 31 Dec 24
S$500
(S$196)
20K 0.98
DBS Vantage
Apply
Ends 31 Jan 25
S$4K
(S$600)
60K 1.00
Citi Prestige
Apply
Ends 31 Dec 24
S$2K
(S$545)
50K 1.09
AMEX HighFlyer
Apply
Ends 15 Jan 25
S$3K
(S$305)
27.6K 1.11
AMEX Plat Charge
Apply
Ends 2 Dec 24
S$8K
(S$1,744)
55K + luggage + S$100 3.17
^Does not include base miles
*Fee waiver option available, with smaller number of bonus miles. See below for full details.
@ Ignores the value of non-miles gifts

Ultimately, both sets of ranking criteria have a common shortcoming: they only look at miles. Some of these cards have additional benefits like free hotel nights or airport lounge access, which you’ll also need to factor in.

Therefore, it’s always advisable to read through each of the sign-up bonus articles and The MileLion’s Card Reviews before coming to a decision.

AMEX HighFlyer Card

AMEX HighFlyer Card
(Offer Ends: 15 Jan 25)
Apply
  New & Existing
Annual Fee S$304.59
(must be paid)
Spend S$3,000
Spend Period 60 days
Base Miles 5,400
Bonus Miles 27,600
Total Miles 33,000
Applicants who have cancelled the AMEX HighFlyer Card previously for the same company are not eligible. 

New AMEX HighFlyer Cardholders who submit their applications by 15 January 2025 (with approval by 15 February 2025) and spend S$3,000 within 60 days of approval will receive 27,600 bonus HighFlyer points.

On top of this, they’ll earn 5,400 base HighFlyer points for spending S$3,000 (based on 1.8 HighFlyer points per S$1). HighFlyer points can be converted into KrisFlyer miles at a 1:1 ratio, without any fees. 

The S$304.59 annual fee must be paid. There is no requirement that you be new-to-AMEX; the offer applies even if you hold an existing AMEX consumer card. Applicants who have cancelled the AMEX HighFlyer Card previously for the same company are not eligible. 

The AMEX HighFlyer Card comes with a complimentary Accor Plus Explorer membership with a 1-night hotel stay and up to 50% off dining across Asia Pacific, as well as two complimentary lounge visits. 

AMEX KrisFlyer Ascend

AMEX KrisFlyer Ascend
(Offer Ends: 2 Dec 24)

Apply
  New  Existing
Annual Fee S$343.35
(must be paid)
S$343.35
(must be paid)
Spend S$1,000
(in FCY)
S$1,000
(in FCY)
Spend Period 30 days 30 days
Base Miles 1,200 1,200
Bonus Miles 36,800 + S$50 26,800 + S$50
Total Miles 38,000 + S$50 28,000 + S$50
New customers are defined as those who do not currently hold a principal AMEX consumer card (DBS, Citi and UOB-issued AMEX cards do not count, nor does the AMEX HighFlyer Card) and have not cancelled an AMEX KrisFlyer Ascend Card in the past 12 months
Existing customers are defined as those who have not cancelled an AMEX KrisFlyer Ascend Card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 2 December 2024 and spend S$1,000 in FCY in the first 30 days will receive 36,800 bonus miles + S$50 cashback when they pay the annual fee and spend S$1,000 within 30 days of approval. 

Existing AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 2 December 2024 and spend S$1,000 in FCY in the first 30 days will receive 26,800 bonus miles + S$50 cashback when they pay the annual fee and spend S$1,000 within 30 days of approval. 

Cardholders will also earn a further 1,200 base miles (S$1,000 @ 1.2 mpd).

If the S$1,000 minimum spend is made in SGD instead of FCY, you will need to deduct 4,000 miles from the bonus component. Also, the calculations assume that this is your first-ever American Express Singapore Airlines cobrand card. If you have held one in the past at any time, you need to deduct 5,000 miles from the bonus component.

While the first year’s annual fee cannot be waived, you’ll receive a complimentary one night stay at participating Hilton properties, Hilton Silver status (which saves you the 5th night off award night redemptions), and four complimentary lounge passes.

Unfortunately, the AMEX KrisFlyer Ascend is a lot less attractive following its 1 November 2024 nerf, which removed its lounge vouchers, reduced its earn rates and increased the annual fee. Refer to this article for more details.

AMEX KrisFlyer Credit Card

AMEX KrisFlyer Credit Card
(Offer Ends: 2 Dec 24)
Apply
  New
Annual Fee S$179.85
(first year free)
Spend S$1,000
Spend Period 30 days
Base Miles 1,100
Bonus Miles 15,900 + S$50 eCV
Total Miles 17,000 + S$50 eCV
New customers are defined as those who do not currently hold a principal AMEX consumer card (DBS, Citi and UOB-issued AMEX cards do not count, nor does the AMEX HighFlyer Card) and have not cancelled an AMEX KrisFlyer Credit Card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Credit Card by 2 December 2024, and spend S$1,000 in the first 30 days will receive 15,900 bonus miles + S$50 eCapitaVoucher.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,100 base miles (S$1,000 @ 1.1 mpd).

Do note that the calculations assume that this is your first-ever American Express Singapore Airlines cobrand card. If you have held one in the past at any time, you need to deduct 5,000 miles from the bonus component.

AMEX Platinum Charge

AMEX Platinum Charge
(Offer Ends: 2 Dec 24)

Apply
Details
  New & Existing
Offer 1 Offer 2
Annual Fee S$1,744
(must be paid)
S$1,744
(must be paid)
Spend S$8,000 S$8,000
Spend Period 180 days 180 days
Base Miles 6,250 6,250
Bonus Miles 55,000 + S$100 + Samsonite luggage S$900 + Samsonite luggage
Total Miles 61,250 + S$100 + Samsonite luggage 6,250 + S$900 + Samsonite luggage
Offer valid for anyone who has not cancelled a principal AMEX Platinum Charge in the past 24 months

American Express is offering the two options for both new-to-AMEX and existing customers.

  • Option 1: 88,000 bonus MR points (55,000 miles) + S$100 cashback and a Samsonite Choca Spinner 68/25
  • Option 2: S$900 cashback and a Samsonite Choca Spinner 68/25

Both options require paying the S$1,744 annual fee and spending S$8,000 in the first 180 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 10,000 base MR points (6,250 miles). 

All AMEX Platinum Charge cardholders will be able to enjoy two sets of the newly-launched dining, lifestyle, air travel, fashion and entertainment statement credits in their first year, since these are awarded based on calendar year instead of membership year (except for entertainment credits, which are awarded per month).

This makes the first year of membership quite the sweet spot, as I’ve explained in the post below.

The AMEX Platinum Charge first-year sweet spot

Citi PremierMiles Card

Citi PremierMiles Card
(Offer Ends: 28 Feb 25)
Apply
Details
  New Only
Offer 1 Offer 2 
Annual Fee S$196.20
(must be paid)
S$196.20
(first year waived)
Spend S$800 S$800
Spend Period 2-3 months 2-3 months
Base Miles 960 960
Bonus Miles 30,000 8,000
Total Miles 30,960 8,960
New customers are defined as those who do not currently hold a principal Citi credit card, and have not cancelled one in the past 12 months

Citibank is offering a choice of two welcome offers for new-to-bank customers. 

New-to-bank customers can earn 30,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 2-3 months of approval (the exact timeframe depends on when approval comes through; you have until the end of the second month after the approval month to spend).

Alternatively, they can earn 8,000 bonus miles when they spend S$800 within 2-3 months of approval, together with an annual fee waiver.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 960 base miles (S$800 @ 1.2 mpd).

Citi Prestige Card

Citi Prestige Card
(Offer Ends: 31 Dec 24)
Apply
Details
  New & Existing
Annual Fee S$545
(must be paid)
Spend S$2,000
Spend Period 2-3 months
Base Miles 2,600
Bonus Miles 50,000
Total Miles 52,600
Offer valid for anyone who has not cancelled a Citi Prestige Card in the past 12 months

The Citi Prestige Card is offering a welcome bonus of 50,000 bonus miles for cardholders who:

  • Pay the S$545 annual fee (25,000 miles)
  • Spend S$2,000 by the end of the second month following approval

Assuming you clock the minimum spend on local transactions, you’ll earn a further 2,600 base miles (S$2,000 @ 1.3 mpd).

As a reminder, Citi PayAll transactions can be used to meet the minimum spend, provided the annual fee is paid. Alternatively, you can use your card to make direct payments for things like insurance, hospital bills, and charitable donations- even though you won’t earn any base miles for these, they will count towards minimum spend.

What’s noteworthy about this offer is that it’s available to existing Citi cardholders as well, so holding a Citi PremierMiles Card or Citi Rewards Card won’t disqualify you from participating.

Citi Rewards Card

Citi Rewards Card
(Offer Ends: 28 Feb 25)
Apply
Details
  New Only
Annual Fee S$196.20
(first year waived)
Spend S$800
Spend Period 2-3 months
Base Miles 3,200
Bonus Miles 16,000
Total Miles 19,200
New customers are defined as those who do not currently hold a principal Citi credit card, and have not cancelled one in the past 12 months

New-to-bank customers can earn 16,000 bonus miles when they spend S$800 within 2-3 months of approval (the exact timeframe depends on when approval comes through; you have until the end of the second month after the approval month to spend). The first year’s annual fee is waived. 

Assuming you clock the minimum spend on online transactions (and you should, given how easy it is), you’ll earn a further 3,200 base miles (S$800 @ 4 mpd). An easy way of doing this would be through Amaze, which turns offline transactions into online ones. While DBS and UOB have excluded Amaze from earning rewards, Citi hasn’t- yet!

I consider the Citi Rewards Card to be practically essential for miles collectors, and if you don’t have one for whatever reason, that’s something you need to change.

DBS Altitude AMEX Card

DBS Altitude AMEX
(Offer Ends: 31 Jan 25)
Apply
Details
  New Only
Annual Fee S$196.20
(can be waived with 10,000 fewer bonus miles)
Spend S$800
Spend Period 60 days
Base Miles 1,040
Bonus Miles 35,000
Total Miles 36,040
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank customers who apply for a DBS Altitude AMEX with the promo code ALTA35 will enjoy 35,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval .

Should they not wish to pay the annual fee, applying with the code ALTAW25 gets you a first year fee waiver, with 25,000 bonus miles.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,040 base miles (S$800 @ 1.3 mpd).

DBS Altitude Visa Card

DBS Altitude Visa
(Offer Ends: 31 Jan 25)
Apply
Details
  New Only
Annual Fee S$196.20
(can be waived with 10,000 fewer bonus miles)
Spend S$800
Spend Period 60 days
Base Miles 1,040
Bonus Miles 30,000
Total Miles 31,040
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank customers who apply for a DBS Altitude Visa with the promo code ALTV30 will enjoy 30,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval .

Should they not wish to pay the annual fee, applying with the code ALTVW20 gets you a first year fee waiver, with 20,000 bonus miles.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,040 base miles (S$800 @ 1.3 mpd).

DBS Vantage Card

DBS Vantage Card
(Offer Ends: 31 Jan 25)
Apply
Details
  New Existing
Annual Fee S$599.50
(must be paid)
S$599.50
(must be paid)
Spend S$4,000 S$4,000
Spend Period 30 days 30 days
Base Miles 6,000 6,000
Bonus Miles 60,000 40,000
Total Miles 66,000 46,000
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank/existing customers will enjoy 60,000/40,000 bonus miles when they apply for a DBS Vantage Card, pay the S$599.50 annual fee and spend S$4,000 within 30 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 6,000 base miles (S$4,000 @ 1.5 mpd).

Unfortunately, this welcome offer has been cut from the previous month, where new-to-bank customers enjoyed 85,000 bonus miles. 

HSBC TravelOne Card

HSBC TravelOne Card
(Offer Ends: 31 Dec 24)
Apply
Details
  New & Existing
Annual Fee S$196.20
(must be paid)
Spend S$500
Spend Period 1-2 months
Base Miles 600
Bonus Miles 20,000
Total Miles 20,600

This month, the HSBC TravelOne Card has cut its welcome offer from 30,000 bonus miles to 20,000 bonus miles. This is available to both new and existing HSBC cardholders who:

  • Pay the annual fee of S$196.20
  • Spend at least S$500 during the qualifying spending period
  • Opt-in for marketing communications during the sign-up process (do not forget this step, or you won’t get anything!)

The qualifying spending period is as follows:

Card Account Opening Date Qualifying Spend Period
1-31 Oct 2024 1 Oct to 30 Nov 2024
1-30 Nov 2024 1 Nov to 31 Dec 2024
1-31 Dec 2024 1 Dec 2024 to 31 Jan 2025
1-14 Jan 2025 1 Jan to 28 Feb 2025

Assuming you clock the minimum spend on local transactions, you’ll earn a further 600 base miles (S$500 @ 1.2 mpd).

Cardholders will enjoy other perks like four lounge visits per calendar year (i.e. eight in the first membership year), 21 transfer partners, plus no conversion fees till 31 January 2025.

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card
(Offer Ends: 30 Nov 24)
Apply
Details
  New
(First 100 applicants only)
Annual Fee S$196.20
(first year waived)
Spend S$2,000
Spend Period 60 days
Base Miles 2,400
Bonus Miles 25,000
Total Miles 27,400
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled one in the past 6 months

The KrisFlyer UOB Credit Card has once again extended its 25,000 bonus miles offer for new-to-bank customers, but they now have a first 100 cap, which pretty much renders the offer irrelevant to me. 

But if something compels you to apply anyway, you’ll need to spend at least S$2,000 in the first 60 days. Assuming you clock the minimum spend on local transactions, you’ll earn a further 2,400 base miles (S$2,000 @ 1.2 mpd).

Cardholders who spend at least S$800 on SIA Group transactions (defined as Singapore Airlines, Scoot and KrisShop) in a membership year can earn an uncapped 3 mpd on dining, online shopping and travel, and transport. If you’ve maxed out your bonus caps on other cards, then this would be the next best alternative. 

StanChart Journey Card

StanChart Journey Card
(Offer Ends: 31 Mar 25)
Apply (Fee Waiver)
Apply (Fee Paying)
  New
(Pay AF)
New
(AF Waiver)
Annual Fee S$196.20
(must be paid)
S$196.20
(first year waived)
Spend S$3,000 S$3,000
Spend Period 60 days 60 days
Base Miles 3,600 3,600
Bonus Miles 45,000  + S$190 25,000 + S4190
Total Miles 48,600 28,600
New customers are defined as those who do not currently hold a principal StanChart credit card, and have not cancelled one in the past 12 months

New-to-bank customers who pay the annual fee will receive 45,000 bonus miles for spending S$3,000 in the first 60 days of approval. Assuming that S$3,000 is spent in local currency, cardholders will earn an additional 3,600 base miles (S$3,000 @ 1.2 mpd). 

New-to-bank customers who want a first year fee waiver will receive 25,000 bonus miles for spending S$3,000 in the first 60 days of approval. Assuming that S$3,000 is spent in local currency, cardholders will earn an additional 3,600 base miles (S$3,000 @ 1.2 mpd). 

Regardless of whether you take the fee paying or fee waiver option, applying via SingSaver allows new-to-bank customers to stack the 25,000/45,000 bonus miles with a choice of extra gifts:

  • 12,000 Max Miles
  • Samsonite Straren luggage
  • S$200 Lazada vouchers
  • S$190 cash

UOB PRVI Miles Card

UOB PRVI Miles Card
(Offer Ends: 30 Nov 24)
Apply (AMEX)
Apply (Mastercard)
Apply (Visa)
Details
  New
Annual Fee S$261.60
Spend S$4,000
Spend Period 2 months
Base Miles 5,600
Bonus Miles 46,000 + S$50 cash
Total Miles 51,600
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled a principal UOB credit card in the past 6 months

New-to-bank UOB PRVI Miles Cardmembers will enjoy up to 46,000 bonus miles, split into:

  • 20,000 miles for paying the S$261.60 annual fee
  • 26,000 miles for spending S$2,000 per month for two consecutive months

Applications via the SingSaver links above will also enjoy a bonus S$50 cash, capped at the first 1,000 applicants. There is no cap on the applicants eligible for the 46,000 bonus miles.

Assuming the S$4,000 minimum spend is clocked locally, a further 5,600 base miles (S$4,000 @ 1.4 mpd) will be earned.

UOB assumes that you’ll spend all S$4,000 in IDR, MYR, THB or VND for 3 mpd, which is why you’ll see claims of a 58,000 miles sign-up bonus (46,000 bonus + 12,000 base) on its website.

UOB Visa Infinite Metal Card

UOB VI Metal Card
(Offer Ends: 31 Dec 24)
Apply
Details
  New Existing
Annual Fee S$654
(must be paid)
S$654
(must be paid)
Spend S$4,000 S$4,000
Spend Period 30 days 30 days
Base Miles 5,600 5,600
Bonus Miles 80,000  40,000
Total Miles 85,600 45,600
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled one in the past 6 months

New-to-bank/existing customers will enjoy 80,000 miles/40,000 bonus miles when they apply for a UOB Visa Infinite Metal Card, pay the S$654 annual fee and spend S$4,000 within 30 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 5,600 base miles (S$4,000 @ 1.4 mpd).

Unfortunately, the S$200 Grab vouchers which were previously offered to new and existing cardholders are no longer available, which makes this offer somewhat less attractive.

That said, the minimum spend can be met through spend on education transactions, a relative rarity in this day and age. It might be worth considering in some scenarios, though the time to act was really last year.

My picks for November 2024

The AMEX Platinum Charge’s latest offer basically waives more than half of its first year’s S$1,744 annual fee, if you take the welcome offer with S$900 statement credits and a Samsonite luggage. Together with two sets of annual statement credits, dining vouchers, free hotel stay and Comoclub C5 vouchers, it’s almost impossible to not come out ahead in your first membership year. 

The AMEX KrisFlyer Credit Card’s already lacklustre earn rates have become slightly worse from November 2024, but this was always a  “bonus and banish” card- something you don’t spend on beyond the welcome offer period. A further S$50 eCapitaVoucher is now being offered, and if you do qualify you might as well take it.

If you meet the definition of a new-to-bank customer, then the StanChart Journey Card has renewed its 45,000 bonus miles welcome offer, and the extra SingSaver cash has been upsized to S$190 this month. This almost covers the first year’s S$196.20 annual fee, making the miles effectively free for those who can make the minimum spend. 

Non-miles welcome offers

Here’s a roundup of the other non-miles sign-up bonuses that are currently running in the market. 

๐Ÿ’ณ Credit Card Sign-Up Bonuses
(Non-miles)
  Spend (Period) Reward^ Remarks
AMEX Plat. CC
Ends 2 Dec 24
Apply
S$1K
(30 days)
S$350 T&C
DBS yuu AMEX
Ends 31 Jan 25
Apply
S$800
(60 days)
S$150 T&C
DBS yuu Visa 
Ends 31 Jan 25
Apply
HSBC Live+
Ends 1 Dec 24
Apply
S$500
(1 – 2 mo.)
S$199 T&C
MB Horizon
No end date

Apply
S$1,300
(2 mo.)
S$200 T&C
SC Simply Cash
Ends 1 Dec 24
Apply
S$500
(30 days)
S$380 T&C
^Other rewards may be offered too, click on links for full details

Do note that you will only count as a new customer for the first card you’re approved for. Subsequent approvals will receive existing customer gifts, if any.

Conclusion

As with all credit card sign-up offers, it’s important to read through the T&Cs to confirm eligibility, qualifying spend definitions, and fulfilment timelines. Don’t panic if you don’t see the bonus immediately upon meeting the minimum spend; these usually take three months or more to process.

I also recommend saving a copy of the T&Cs for your own reference, because banks may overwrite the T&Cs when new campaigns are launched, or worse, retroactively modify them!

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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