Hereโs The MileLionโs monthly roundup of the latest credit card sign-up bonuses in Singapore for March 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!
Primer: Sign-up Bonuses
๐ Primer: Sign-Up Bonuses |
A sign-up bonus can be summarised as: spend S$X in Y days to get Z miles While some cards offer miles with the payment of the annual fee (e.g. HSBC Visa Infinite, Standard Chartered Visa Infinite), Iโm 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:
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At a glance: Current sign-up bonuses
Hereโs a summary of the current sign-up bonuses on the market, presented two ways:
- Payoff ratio
- Cost per mile
Payoff ratio refers to the bonus miles divided by total spend (excluding annual fee). Basically: whatโs the bang for your buck? For every S$1 of spend, how many miles do you get?
On that basis, here are the best sign-up offers.
๐ณ Credit Card Sign-Up Bonuses (sorted by payoff ratio) |
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Spend (AF) | Miles^ | Payoff | |
![]() Apply Ends 31 Jul 25 |
S$800 (S$196)* |
30K | 37.5 |
![]() Apply Ends 30 Apr 25 |
S$800 (S$196)* |
28K | 35 |
![]() Apply Ends 31 Mar 25 |
S$800 (S$196) |
24K | 30 |
![]() Apply Ends 31 May 25 |
S$2K (S$545) |
50K | 25 |
![]() Apply Ends 31 Mar 25 |
S$1K (FYF) |
21.9K | 21.9 |
![]() Apply Ends 30 Apr 25 |
S$4K (S$600) |
85K | 21.3 |
![]() Apply Ends 31 Jul 25 |
S$800 (FYF) |
16K | 20 |
![]() Apply Ends 31 Mar 25 |
S$4K (S$654) |
80K | 20 |
![]() Apply Ends 28 May 25 |
S$2K (S$398) |
37.6K + S$50 | 18.8 |
![]() Apply Ends 31 Mar 25 |
S$3K (S$196)* |
45K + S$180 | 15 |
![]() Apply Ends 28 May 25 |
S$8K (S$1,744) |
93.8K + S$100 | 11.7 |
![]() Apply Ends 31 Mar 25 |
S$4K (S$261) |
46K | 11.5 |
![]() 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, youโre essentially paying for miles- the question is, how much?
On that basis, here are the best sign-up offers.
๐ณ Credit Card Sign-Up Bonuses (sorted by cost per mile) |
|||
Spend (AF) | Miles^ | Cost Per Mile | |
![]() Apply Ends 31 Mar 25 |
S$1K (FYF) |
21.9K | โ |
![]() Apply Ends 31 Jul 25 |
S$800 (FYF) |
16K | โ |
![]() Apply Ends 31 Mar 25 |
S$3K (S$196)* |
45K + S$180 | 0.04 |
![]() Apply Ends 31 Mar 25 |
S$4K (S$261) |
46K | 0.57 |
![]() Apply Ends 31 Jul 25 |
S$800 (S$196)* |
30K | 0.65 |
![]() Apply Ends 30 Apr 25 |
S$800 (S$196)* |
28K | 0.70 |
![]() Apply Ends 31 Mar 25 |
S$4K (S$654) |
80K | 0.82 |
![]() Apply Ends 31 Mar 25 |
S$800 (S$196) |
24K | 0.82 |
![]() Apply Ends 28 May 25 |
S$2K (S$398) |
37.6K + S$50 | 0.93 |
![]() Apply Ends 30 Apr 25 |
S$4K (S$600) |
85K | 0.71 |
![]() Apply Ends 31 May 25 |
S$2K (S$545) |
50K | 1.09 |
![]() Apply Ends 30 Jun 25 |
S$20K (S$1,635) |
100K | 1.64 |
![]() 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 youโll also need to factor in.
Therefore, itโs always advisable to read through each of the sign-up bonus articles and The MileLionโs Card Reviews before coming to a decision.
AMEX KrisFlyer Ascend
![]() (Offer Ends: 28 May 25) |
||
Apply |
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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 yearโs annual fee cannot be waived, youโll 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, itโs only really worth getting for one year, if at all, because of the welcome bonus.
AMEX KrisFlyer Credit Card
![]() (Offer Ends: 31 Mar 25) |
||
Apply | ||
Details | ||
New Only | ||
Offer 1 | Offer 2 | |
Annual Fee | S$179.85 (first year waived) |
S$179.85 (first year waived) |
Spend | S$1,000 | S$1,000 |
Spend Period | 30 days | 30 days |
Base Miles | 1,100 | 1,100 |
Bonus Miles | 21,900 | 15,900 + S$50 eCV |
Total Miles | 23,000 | 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 31 March 2025 and spend S$1,000 in the first 30 days will receive 21,900 bonus miles. Assuming you clock the minimum spend on local transactions, youโll earn a further 1,100 base miles (S$1,000 @ 1.1 mpd).
Alternatively, you can choose to receive 15,900 bonus miles and a S$50 eCapitaVoucher (I would lean towards taking the miles).
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
![]() (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, youโll 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 before 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 has been cut to 8x visits per year, effective 13 February 2025
Thanks to the welcome bonus, the first yearโs value proposition can still make sense. However, renewing the card has become more marginal.
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, youโll earn a further 960 base miles (S$800 @ 1.2 mpd).
Citi Prestige Card
![]() (Offer Ends: 31 May 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, youโll 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 wonโt earn any base miles for these, they will count towards minimum spend.
Whatโs noteworthy about this offer is that itโs available to existing Citi cardholders as well, so holding a Citi PremierMiles Card or Citi Rewards Card wonโt disqualify you from participating.
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 yearโs annual fee is waived.
Assuming you clock the minimum spend on online transactions (and you should, given how easy it is), youโll 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 hasnโt- yet!
I consider the Citi Rewards Card to be practically essential for miles collectors, and if you donโt have one for whatever reason, thatโs something you need to change.
DBS Altitude Card
![]() (Offer Ends: 30 Apr 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 | 38,000 |
Total Miles | 39,040 |
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 Card with the promo code ALT38 will enjoy 38,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval .
Should you not wish to pay the annual fee, applying with the code ALTW28 gets you a first year fee waiver, with 28,000 bonus miles.
Assuming you clock the minimum spend on local transactions, youโll earn a further 1,040 base miles (S$800 @ 1.3 mpd).
DBS Vantage Card
![]() (Offer Ends: 30 Apr 25) |
|
Apply | |
Details | |
New Only | |
Annual Fee | S$599.50 (must be paid) |
Spend | S$4,000 |
Spend Period | 30 days |
Base Miles | 6,000 |
Bonus Miles | 85,000 |
Total Miles | 91,000 |
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 |
The DBS Vantage Card has brought back its best-ever welcome offer of 85,000 bonus miles, available to new-to-bank customers who 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, youโll earn a further 6,000 base miles (S$4,000 @ 1.5 mpd).
HSBC TravelOne Card
![]() (Offer Ends: 31 Mar 25) |
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Apply |
||
Details |
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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 wonโt get anything!)
Assuming you clock the minimum spend on local transactions, youโll 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 HSBCโs 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, youโll 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.
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 youโre a StanChart employee)
Assuming youโre a regular StanChart customer and spend the S$20,000 in local currency, youโll 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 isnโt cheap by any means, and would-be applicants should think very carefully about whether they can make the math work. Iโve covered this more in the article below.
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
![]() (Offer Ends: 31 Mar 25) |
|
Apply (AMEX) | |
Apply (Mastercard) | |
Apply (Visa) | |
Details | |
New Only | |
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 youโll spend all S$4,000 in IDR, MYR, THB or VND for 3 mpd, which is why youโll see claims of a 58,000 miles sign-up bonus (46,000 bonus + 12,000 base) on its website.
UOB Visa Infinite 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, youโll 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 March 2025
The AMEX Platinum Charge is running the biggest welcome offers weโve seen in years, with 93,750 bonus 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!).
Otherwise, a good premium card alternative would be the DBS Vantage Card, which has brought back its best-ever 85,000 miles welcome offer. Youโll need to pay the S$599.50 annual fee and spend S$4,000, but this is much lower than the S$1,744 annual fee and S$8,000 required by the AMEX Platinum Charge.
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 yearโs S$196.20 annual fee, making the miles effectively free for those who can make the minimum spend.
Non-miles welcome offers
Hereโs a roundup of the other non-miles sign-up bonuses that are currently running in the market.
๐ณ Credit Card Sign-Up Bonuses (Non-miles) |
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Spend (Period) | Reward^ | Remarks | |
![]() Ends 28 May 25 Apply |
S$1K (30 days) |
S$250 | T&Cs |
![]() Ends 30 Apr 25 Apply |
S$800 (60 days) |
S$300 | T&Cs |
![]() Ends 30 Apr 25 Apply |
|||
![]() Ends 23 Mar 25 Apply |
S$800 (1 โ 2 mo.) |
S$199 + S$200 Shopee voucher | T&Cs |
![]() No end date Apply |
S$1,300 (2 mo.) |
S$200 | T&Cs |
![]() Ends 31 Mar 25 Apply |
S$500 (30 days) |
S$400 | T&Cs |
^Other rewards may be offered too, click on Apply link for full details |
Do note that you will only count as a new customer for the first card youโre approved for. Subsequent approvals will receive existing customer gifts, if any.
Conclusion
As with all credit card sign-up offers, itโs important to read through the T&Cs to confirm eligibility, qualifying spend definitions, and fulfilment timelines. Donโt panic if you donโt 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!
I believe thereโs a mistake. The sign up gift for Maybank Horizon is only $200, not $250.
thanks for spotting that. i have updated it.
I applied StandChart Journey card via SingSaver. Then StandChart called me to ask for additional information, then I asked if the bonus is stackable with SingSaver, they said No, SingSaver will provide the miles, which contradicts with what SingSaver claims.
I cancel the application immediately and reapply directly via StandChart website because I donโt want to pay AF then get involved in the ugly fights for my welcome bonus with uncertainty.
https://milelion.com/2023/09/22/the-customer-service-officer-isnt-always-right/