Roundup: Credit Card Sign-up Bonuses (February 2025)

Here’s The MileLion’s monthly roundup of the latest credit card sign-up bonuses in Singapore for February 2025.

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!

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. 

💳 Credit Card Sign-Up Bonuses (sorted by payoff ratio)
	Spend (AF)	Miles^	Payoff
DBS Altitude AMEX Apply Ends 28 Feb 25	S$800 (S$196)*	35K	43.8
Citi Premier Miles Apply Ends 31 Jul 25	S$800 (S$196)*	30K	37.5
DBS Altitude Visa Apply Ends 28 Feb 25	S$800 (S$196)*	30K	37.5
HSBC T1 Card Apply Ends 31 Mar 25	S$800 (S$196)	24K	30
Citi Prestige Apply Ends 28 Feb 25	S$2K (S$545)	50K	25
Citi Rewards Apply Ends 31 Jul 25	S$800 (FYF)	16K	20
UOB VI Metal Apply Ends 31 Mar 25	S$4K (S$654)	80K	20
AMEX KF Ascend Apply Ends 28 May 25	S$2K (S$398)	37.6K + S$50	18.8
DBS Vantage  Apply Ends 28 Feb 25	S$4K (S$600)	60K	15
StanChart Journey Apply Ends 31 Mar 25	S$3K (S$196)*	45K + S$180	15
KrisFlyer UOB ⚠️ Cap Applies Apply End 28 Feb 25	S$2K (FYF)	25K	12.5
AMEX Plat Charge Apply Ends 28 May 25	S$8K (S$1,744)	93.8K + S$100	11.7
UOB PRVI Miles Card Apply Ends 28 Feb 25	S$4K (S$261)	46K	11.5
StanChart Beyond Apply Ends 30 Jun 25	S$20K (S$1,635)	100K	5
^Does not include base miles *Fee waiver option available, with smaller number of bonus miles. See below for full details.

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.

💳 Credit Card Sign-Up Bonuses (sorted by cost per mile)
	Spend (AF)	Miles^	Cost Per Mile
KrisFlyer UOB ⚠️ Cap Applies Apply Ends 28 Feb 25	S$2K (FYF)	25K	–
Citi Rewards Apply Ends 31 Jul 25	S$800 (FYF)	16K	–
StanChart Journey Apply Ends 31 Mar 25	S$3K (S$196)*	45K + S$180	0.04
DBS Altitude AMEX Apply Ends 28 Feb 25	S$800 (S$196)*	35K	0.56
UOB PRVI Miles Card Apply Ends 28 Feb 25	S$4K (S$261)	46K	0.57
Citi Premier Miles Apply Ends 31 Jul 25	S$800 (S$196)*	30K	0.65
DBS Altitude Visa Apply Ends 28 Feb 25	S$800 (S$196)*	30K	0.65
UOB VI Metal Apply Ends 31 Mar 25	S$4K (S$654)	80K	0.82
HSBC T1 Card Apply Ends 31 Mar 25	S$800 (S$196)	24K	0.82
AMEX KF Ascend Apply Ends 28 May 25	S$2K (S$398)	37.6K + S$50	0.93
DBS Vantage Apply Ends 28 Feb 25	S$4K (S$600)	60K	1.00
Citi Prestige Apply Ends 28 Feb 25	S$2K (S$545)	50K	1.09
StanChart Beyond Apply Ends 30 Jun 25	S$20K (S$1,635)	100K	1.64
AMEX Plat Charge Apply Ends 28 May 25	S$8K (S$1,744)	93.8K + S$100	1.75
^Does not include base miles *Fee waiver option available, with smaller number of bonus miles. See below for full details.

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 KrisFlyer Ascend

AMEX KrisFlyer Ascend (Offer Ends: 28 May 25)
Apply
	New	Existing
Annual Fee	S$397.85 (must be paid)	S$397.85 (must be paid)
Spend	S$2,000	S$2,000
Spend Period	90 days	90 days
Base Miles	2,400	2,400
Bonus Miles	37,600 + S$50	27,600 + S$50
Total Miles	40,000 + S$50	30,000 + 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 28 May 2025 will receive 37,600 bonus miles + S$50 when they pay the annual fee and spend S$2,000 within 90 days of approval.

Existing AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 28 May 2025 will receive 27,600 bonus miles + S$50 when they pay the annual fee and spend S$2,000 within 90 days of approval.

Cardholders will also earn a further 2,400 base miles (S$2,000 @ 1.2 mpd).

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 and Hilton Silver status (which saves you the 5th night off award night redemptions).

Unfortunately, the AMEX KrisFlyer Ascend is a lot less attractive now, following its November 2024 nerf. This removed its lounge vouchers, reduced its earn rates, and hiked the annual fee. As such, it’s only really worth getting for one year, if at all, because of the welcome bonus.

AMEX Platinum Charge

AMEX Platinum Charge (Offer Ends: 28 May 25)
Apply
Details
	New & Existing
Annual Fee	S$1,744 (must be paid)
Spend	S$8,000
Spend Period	90 days
Base Miles	6,250
Bonus Miles	93,750 + S$100
Total Miles	100,000 + S$100
Offer valid for anyone who has not cancelled a principal AMEX Platinum Charge in the past 24 months

New-to-AMEX and existing AMEX cardholders who apply and receive approval for an AMEX Platinum Charge by 28 May 2025 will receive 93,750 bonus miles + S$100 when they pay the annual fee and spend S$8,000 within 90 days of approval.

The only condition is that you must not have cancelled a principal AMEX Platinum Charge in the past 24 months. 

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

The AMEX Platinum Charge, unfortunately, is starting off 2025 with three big nerfs which you should be aware of being applying for a card:

• The Platinum Statement Credits will be issued on a half-yearly basis from 2025 onwards, making them more difficult to use
• Comoclub birthday treats, worth up to S$260 per member, are no longer offered to those who fast-tracked their way to elite status via the AMEX Platinum Charge from 1 January 2025
• The Priority Pass membership received by the first supplementary cardholder will have its free visits cut to 8x, effective 13 February 2025

Thanks to the welcome bonus, the first year’s value proposition can still make sense. However, renewing the card has become more marginal.

Citi PremierMiles Card

Citi PremierMiles Card (Offer Ends: 31 Jul 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: 28 Feb 25)
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:31 Jul 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: 28 Feb 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: 28 Feb 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: 28 Feb 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 Mar 25)
Apply
Details
	New	Existing
Annual Fee	S$196.20 (must be paid)	S$196.20 (must be paid)
Spend	S$800	S$800
Spend Period	1-2 months	1-2 months
Base Miles	960	960
Bonus Miles	24,000	12,000
Total Miles	24,960	12,960
New customers are defined as those who do not currently hold a principal HSBC credit card, and have not cancelled one in the past 12 months
Existing customers are defined as those whose existing principal HSBC credit card was issued more than 12 months ago, and have not cancelled a principal HSBC credit card in the past 12 months

The HSBC TravelOne Card has launched a new welcome offer this month that offers new and existing HSBC cardholders up to 24,000 miles and 12,000 miles respectively when they:

• Pay the annual fee of S$196.20
• Spend at least S$800 by the end of the month following approval
• Opt-in for marketing communications during the sign-up process (do not forget this step, or you won’t get anything!)

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

Cardholders enjoy other perks like four lounge visits per calendar year (i.e. eight in the first membership year), 20 transfer partners, as well as instant, fee-free conversions.

Do remember that this is not a card you want to apply for if your goal is to earn KrisFlyer miles, following HSBC’s devaluation of transfers earlier this month. If you choose KrisFlyer, your bonus is cut to 20,000 miles and 10,000 miles for new and existing cardholders respectively. Instead, you’ll want to explore programmes like British Airways Executive Club and EVA Air Infinity MileageLands, where the transfer ratios allow you to get the full 24,000/12,000 miles.

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card (Offer Ends: 28 Feb 25)
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 Beyond Card

StanChart Beyond Card (Offer Ends: 30 Jun 25)
Apply
Details
	New & Existing
Annual Fee	S$1,635 (must be paid)
Spend	S$20,000
Spend Period	90 days
Base Miles	30,000
Bonus Miles	100,000
Total Miles	130,000

New this month is the StanChart Beyond Card, which offers both new-to-bank and existing StanChart customers a 100,000 miles welcome bonus.

This is split into:

• 60,000 miles for paying the S$1,635 annual fee
• 40,000 miles for spending at least S$20,000 within 90 days of approval (S$10,000 if you’re a StanChart employee)

Assuming you’re a regular StanChart customer and spend the S$20,000 in local currency, you’ll earn an additional 30,000 base miles (S$20,000 @ 1.5 mpd). Priority Banking and Priority Private cardholders will earn 40,000 base miles (S$20,000 @ 2 mpd).

The StanChart Beyond Card isn’t cheap by any means, and would-be applicants should think very carefully about whether they can make the math work. I’ve covered this more in the article below.

Should you get a StanChart Beyond Card?

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 + S$190
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 Spinner 67/24
• S$180 cash

UOB PRVI Miles Card

UOB PRVI Miles Card (Offer Ends: 28 Feb 25)
Apply (AMEX)
Apply (Mastercard)
Apply (Visa)
Details
	New
Annual Fee	S$261.60 (must be paid)
Spend	S$4,000
Spend Period	2 months
Base Miles	5,600
Bonus Miles	46,000
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

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 Mar 25)
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 February 2025

The AMEX Platinum Charge is running the largest welcome offer we’ve seen in years, of 93,750 miles and S$100 cashback. Even with all the nerfs that the card has suffered, the first year remains a hard-to-lose proposition because of this (whether you renew is a separate matter entirely!).

The HSBC TravelOne Card’s welcome offer of up to 24,000 miles for just S$800 spend is potentially attractive, but only if you aren’t a “KrisFlyer-or-bust” kind of person. You should also note the stricter eligibility criteria, as owning any other principal HSBC card will disqualify you (versus last year where it wouldn’t).

I also continue to fancy the StanChart Journey Card with its 45,000 bonus miles welcome offer, and an extra S$180 of SingSaver cash. 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. 

💳 Credit Card Sign-Up Bonuses (Non-miles)
	Spend (Period)	Reward^	Remarks
AMEX Plat. CC Ends 28 May 25 Apply	S$1K (30 days)	S$250	T&Cs
DBS yuu AMEX Ends 30 Apr 25 Apply	S$800 (60 days)	S$300	T&Cs
DBS yuu Visa  Ends 30 Apr 25 Apply
HSBC Live+ Ends 2 Mar 25 Apply	S$800 (1 – 2 mo.)	S$199 + S$251 Lazada voucher	T&Cs
MB Horizon No end date Apply	S$1,300 (2 mo.)	S$250	T&Cs
SC Simply Cash Ends 2 Mar 25 Apply	S$500 (30 days)	S$400	T&Cs
^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!