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

Planning to apply for a credit card this month? Here's all the sign-up bonuses available for December 2025.

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

For those with big ticket spending coming up, these bonuses could be an opportunity to rack up some extra miles or gifts, so plan your spending accordingly!

If you landed on this page through a search engine, you can check whether you’re viewing the most up-to-date version of this article here.

💳 Credit Card Sign-Up Bonuses: December 2025
Primer: Sign-up Bonuses
👉 Primer: Sign-Up Bonuses

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

While some cards offer miles with the payment of the annual fee, 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 a 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 the best sign-up offers.

💳 Credit Card Sign-Up Bonuses
(sorted by payoff ratio)
  Spend (AF) Miles^ Payoff
DBS Altitude Card
Apply
Ends 1 Feb 26
S$800
(S$196)*
38K
NTB
47.5
NTB
StanChart Journey
Apply
Ends 31 Dec 25
S$800
(S$196)*
30K + S$180
NTB
37.5
NTB
Citi Premier Miles
Apply
Ends 28 Feb 26

S$800
(S$196)*
30K
NTB
37.5
NTB
AMEX KF Ascend
Apply (New)
Apply (Ex.)
Ends 27 Jan 26
S$1K
NTB
S$1
ETB
(S$398)
29.8K
NTB
16K
ETB

29.8
NTB
16K
ETB

HSBC T1 Card
Apply
Ends 31 Dec 25

S$1K
(S$196)
33.6K
NTB

21.6K
ETB
33.6
NTB
21.6
ETB
Citi Prestige
Apply
Ends 16 Jan 26
S$2K
(S$652)
57K
NTB
ETB
28.5
NTB
ETB
StanChart VI
Apply
Ends 31 Dec 25
S$2K
(S$600)
50K
NTB
ETB
25
NTB
ETB
Citi Rewards
Apply
Ends 28 Feb 26
S$800
(FYF)
16K
NTB
20
NTB
UOB VI Metal
Apply
Ends 31 Dec 25
S$4K
(S$654)
60K
NTB
40K
ETB
15
NTB
10
ETB
AMEX Plat CC
Apply
Ends 27 Jan 26
S$1K
(S$327)
13.2K
NTB
13.2
NTB
HSBC Premier MC
Apply
Ends 31 Jan 26
S$5K
(N/A)
58.2K
NTB
ETB
11.6
NTB
ETB
AMEX Plat Charge
Apply (New)
Apply (Ex.)
Ends 27 Jan 26
S$8K
NTB
S$3K
ETB
(S$1,744)
68.8K
NTB
31.3K
ETB

8.6
NTB
10.4
ETB

AMEX KF Card
Apply
Ends 29 Dec 25
S$1K
(FYF)
9.9K S$100 eCV
NTB
9.9
NTB
StanChart Beyond
Apply
Ends 31 Dec 25
S$20K
(S$1,635)
100K
NTB
ETB
5
NTB
ETB
^Does not include base miles
*Fee waiver option available, with smaller number of bonus miles. See below for full details.
NTB New-to-bank customer | ETB  Existing customer

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 the best sign-up offers.

💳 Credit Card Sign-Up Bonuses
(sorted by cost per mile)
  Spend (AF) Miles^ Cost Per Mile
AMEX KF Card
Apply
Ends 29 Dec 25
S$1K
(FYF)
9.9K S$100 eCV
NTB
Citi Rewards
Apply
Ends 28 Feb 26
S$800
(FYF)
16K
NTB
HSBC Premier MC
Apply
Ends 31 Jan 26
S$5K
(N/A)
58.2K
NTB
ETB
StanChart Journey
Apply
Ends 31 Dec 25
S$800
(S$196)*
30K + S$180
NTB
0.05
NTB
Citi Premier Miles
Apply
Ends 28 Feb 26
S$800
(S$196)*
30K
NTB
0.32
NTB
DBS Altitude Card
Apply
Ends 1 Feb 26
S$800
(S$196)*
38K
NTB
0.52
NTB
HSBC T1 Card
Apply
Ends 31 Dec 25

S$800
(S$196)
33.6K
NTB
21.6K
ETB
0.58
NTB
0.91
ETB
UOB VI Metal
Apply
Ends 31 Dec 25
S$4K
(S$654)
60K
NTB
40K
ETB
1.09
NTB
1.64
ETB
AMEX KF Ascend
Apply (New)
Apply (Ex.)
Ends 27 Jan 26
S$1K
NTB
S$1
ETB
(S$398)
29.8K
NTB
16K
ETB
1.33
NTB
2.49
ETB
Citi Prestige
Apply
Ends 16 Jan 26
S$2K
(S$652)
57K
NTB
ETB
1.14
NTB
ETB
StanChart VI
Apply
Ends 31 Dec 25
S$2K
(S$600)
50K
NTB
ETB
1.20
NTB
ETB
StanChart Beyond
Apply
Ends 31 Dec 25
S$20K
(S$1,635)
100K
NTB
ETB
1.64
NTB
ETB
AMEX Plat CC
Apply
Ends 27 Jan 26
S$1K
(S$327)
13.2K
NTB
2.48
NTB
AMEX Plat Charge
Apply (New)
Apply (Ex.)
Ends 27 Jan 26
S$8K
NTB
S$3K
ETB
(S$1,744)
68.8K
NTB
31.3K
ETB

2.54
NTB
5.58
ETB

^Does not include base miles
*Fee waiver option available, with smaller number of bonus miles. See below for full details.
NTB New-to-bank customer | ETB  Existing customer

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: 27 Jan 26)

Apply (New)
Apply (Existing)
  New  Existing
Annual Fee S$397.85
(must be paid)
S$397.85
(must be paid)
Spend S$1,000
S$1
Spend Period 60 days 30 days
Base Miles 1,200 1
Bonus Miles 29,800 16,000
Total Miles 31,000 16,001
New customers are defined as those who do not hold a principal or supplementary AMEX consumer card, and have not cancelled a principal or supplementary AMEX consumer card in the past 12 months
Existing customers are defined as those who have not cancelled a principal AMEX KrisFlyer Ascend Card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 27 January 2026 will receive 29,800 bonus miles when they pay the annual fee and spend S$1,000 within 60 days of approval. They will also earn a further 1,200 base miles (S$1,000 @ 1.2 mpd).

Existing AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 27 January 2026 will receive 16,000 bonus miles when they pay the annual fee and make their first spend of at least S$1 within 30 days of approval.

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 a November 2024 nerf which removed its lounge vouchers, reduced its earn rates, and hiked the annual fee. The welcome bonus can still make first year worthwhile, but otherwise I wouldn’t be looking to renew my card.

AMEX KrisFlyer Credit Card

AMEX KrisFlyer Credit Card
(Offer Ends: 29 Dec 25)
Apply
Details
  New Only
Annual Fee S$179.85
(first year waived)
Spend S$1,000
Spend Period 60 days
Base Miles 1,100
Bonus Miles 9,900 + S$100 eCapitaVoucher
Total Miles 23,000
New customers are defined as those who do not hold a principal or supplementary AMEX consumer card, and have not cancelled a principal or supplementary AMEX consumer card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Credit Card by 29 December 2025 and spend S$1,000 in the first 60 days will receive 9,900 bonus miles and a S$100 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: 27 Jan 26)

Apply (New)
Apply (Existing)
  New Existing
Annual Fee S$1,744
(must be paid)
S$1,744
(must be paid)
Spend S$8,000 S$3,000
Spend Period 90 days 90 days
Base Miles 6,250 2,344
Bonus Miles 68,750 31,250
Total Miles 75,000 33,594
New customers are defined as those who do not hold a principal or supplementary AMEX consumer card, and have not cancelled a principal or supplementary AMEX consumer card in the past 12 months
Existing customers are defined as those who have not cancelled a principal AMEX Platinum Charge in the past 12 months

New-to-AMEX customers who apply and receive approval for an AMEX Platinum Charge by 27 January 2026 will receive 110,000 bonus MR points (68,750 miles) when they spend S$8,000 within 90 days of approval. They will also earn a further 10,000 base MR points (6,250 miles) for the S$8,000 spend. 

Existing AMEX customers who apply and receive approval for an AMEX Platinum Charge by 27 January 2026 will receive 50,000 bonus MR points (31,250 miles) when they spend S$3,000 within 90 days of approval. They will also earn a further 3,750 MR points (2,344 miles) for the S$3,000 spend. 

The AMEX Platinum Charge, unfortunately, has suffered three big nerfs in 2025, which you should be aware of before applying for a card:

AMEX Platinum Credit Card

AMEX Platinum Credit Card
(Offer Ends: 27 Jan 26)
Apply
  New Only
Annual Fee S$327
(must be paid)
Spend S$1,000
Spend Period 60 days
Base Miles 694
Bonus Miles 13,194
Total Miles 13,889
New customers are defined as those who do not hold a principal or supplementary AMEX consumer card, and have not cancelled a principal or supplementary AMEX consumer card in the past 12 months

New-to-AMEX customers who apply and receive approval for an AMEX Platinum Credit Card by 27 January 2026 will receive 23,750 bonus MR points (13,194 miles) with a minimum spend of S$1,000 within 60 days of approval. Assuming you clock the minimum spend on local general spending, you’ll earn a further 1,250 base MR points (694 miles).

All cardholders continue to receive an annual S$200 Lifestyle Credit, together with Love Dining and Chillax perks. 

Citi PremierMiles Card

Citi PremierMiles Card
(Offer Ends: 28 Feb 26)
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

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: 16 Jan 26)
Apply
Details
  New & Existing
Annual Fee S$651.82
(must be paid)
Spend S$2,000
Spend Period 2-3 months
Base Miles 2,600
Bonus Miles 57,000
Total Miles 59,600
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 57,000 bonus miles for cardholders who:

  • Pay the S$651.82 annual fee (32,000 miles)
  • Spend S$2,000 by the end of the second month following approval (25,000 miles)

Citigold and Citigold Private Client customers will receive an extra 8,000 bonus miles for a total of 65,000 bonus miles. 

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.

Do note that the Citi Prestige Card hiked its annual fee to S$651.82 on 1 July 2025, and also cut its lounge benefit to 12x visits per calendar year. 

Citi Rewards Card

Citi Rewards Card
(Offer Ends: 28 Feb 26)
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- though keep in mind that a 1% fee (min. S$0.50) applies to all transactions in SGD.

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 Card

DBS Altitude Card
(Offer Ends: 1 Feb 26)
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 ALTP38 will enjoy 38,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval. 

They must also have a valid DBS PayLah! account by the end of the qualifying spend period, which shouldn’t be very difficult to do.

Should you not wish to pay the annual fee, applying with the code ALTPW28 gets you a first year fee waiver, with 28,000 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).

HSBC Premier Mastercard

HSBC Premier Mastercard
(Offer Ends: 31 Jan 26)
Apply
Details
  New & Existing
Annual Fee S$708.50
(waived for HSBC Premier customers with $200K TRB)
Spend S$5,000
Spend Period 1-2 months
Base Miles 8,400
Bonus Miles 58,200
Total Miles 66,600

The HSBC Premier Mastercard is offering new and existing HSBC cardholders up to 58,200 bonus miles when they:

  • Pay the annual fee of S$708.50 (not required for HSBC Premier customers with a minimum TRB of S$200K)
  • Spend at least S$5,000 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 8,400 base miles (S$5,000 @ 1.68 mpd).

Unfortunately, this offer has been cut from the previous high of 106,200 bonus miles, but you’ll still enjoy up to four unlimited-visit Priority Pass cards, complimentary airport limo transfers, and World Elite benefits as a cardholder. Top it off, there is no annual fee if you’re a HSBC Premier customer with a minimum TRB of S$200,000.

HSBC TravelOne Card

HSBC TravelOne Card
(Offer Ends: 31 Dec 25)

Apply
Details
  New Existing
Annual Fee S$196.20
(must be paid)
S$196.20
(must be paid)
Spend S$1,000 S$1,000
Spend Period 1-2 months 1-2 months
Base Miles 1,200 1,200
Bonus Miles 33,600 21,600
Total Miles 34,800 22,800
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 most recent 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 is offering new and existing HSBC cardholders up to 33,600 miles and 21,600 miles respectively when they:

  • Pay the annual fee of S$196.20
  • Spend at least S$1,000 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 1,200 base miles (S$1,000 @ 1.2 mpd).

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

StanChart Beyond Card

StanChart Beyond Card
(Offer Ends: 31 Dec 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

The StanChart Beyond Card is offering 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 Dec 25)
Apply (Fee Waiver)
Apply (Fee Paying)
Details
  New
(Pay AF)
New
(AF Waiver)
Annual Fee S$196.20
(must be paid)
S$196.20
(first year waived)
Spend S$800 S$800
Spend Period 60 days 60 days
Base Miles 960 960
Bonus Miles 30,000 + S$180 20,000 + S$180
Total Miles 30,960 + S$180 20,960 + S$180
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 30,000 bonus miles for spending S$800 in the first 60 days of approval. Assuming that S$800 is spent in local currency, cardholders will earn an additional 960 base miles (S$800 @ 1.2 mpd). 

New-to-bank customers who want a first year fee waiver will receive 20,000 bonus miles for spending S$800 in the first 60 days of approval. Assuming that S$800 is spent in local currency, cardholders will earn an additional 960 base miles (S$800 @ 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 bonus miles with a choice of extra gifts:

  • 7,000 Max Miles
  • S$150 cash + Samsonite Volant Spinner 68/25 EXP
  • S$200 Grab vouchers

However, do note that SingSaver gifts for Standard Chartered now have an additional, annoying requirement. In addition to the minimum spend, cardholders must now do one of the following, within 60 days of card approval.

  • Apply for Standard Chartered EasyPay for at least 3 retail transactions on your
    credit card for a minimum amount of S$150 each with at least 12 months
    tenure
  • Apply and open a Standard Chartered Bonus$aver Account with a minimum
    deposit of S$3,000
  • Submit an application and get approved for Standard Chartered CashOne
    Personal Loan with a minimum loan approved amount of S$1,000 and a
    minimum tenure of 12 months
  • Apply and get approved for Standard Chartered Credit Card Funds Transfer
    (CCFT) with a minimum loan amount of S$1,000 for a minimum tenure of 3
    months

StanChart Visa Infinite Card

StanChart Visa Infinite Card
(Offer Ends: 31 Dec 25)

Apply
Details
  New  & Existing
Annual Fee S$599.50
(must be paid)
Spend S$2,000
Spend Period 60 days
Base Miles 2,800
Bonus Miles 50,000 
Total Miles 52,800
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

It’s not very often we see a welcome offer for the StanChart Visa Infinite, but this month, applicants can enjoy 50,000 bonus miles when they pay the first year’s S$599.50 annual fee and spend S$2,000 within 60 days of approval. This offer is available to both new and existing StanChart cardholders. 

However, if you meet the definition of a new customer, you might want to apply instead for a StanChart Simply Cash Card, which is offering S$350 cash with a minimum spend of S$800 in 30 days. You can then apply for the StanChart Visa Infinite as an existing customer and still enjoy 50,000 bonus miles.

I personally don’t think the StanChart Visa Infinite is a very compelling card, as the main benefit it offers are six lounge visits and the opportunity to buy discounted miles via its income tax payment facility. However, if you’re just in it for the bonus miles, then you basically pay 1.2 cents per mile, which is an attractive price.

UOB Visa Infinite Metal Card

UOB Visa Infinite Metal Card
(Offer Ends: 31 Dec 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 60,000  40,000
Total Miles 65,600 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 12 months

New-to-bank/existing customers will enjoy 60,000 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 welcome offer for new customers has been cut from the previous 80,000 miles this month, making it weaker than before. That said, the minimum spend can be met through spend on education transactions, a relative rarity in this day and age.

Also note that UOB has doubled the “timeout” threshold for a new-to-bank customer from six months to 12 months.

My picks for December 2025

The HSBC Premier Mastercard remains one of the best deals on the market, if you’re in a position to open a HSBC Premier account (min. TRB S$200,000).

While its welcome bonus has been cut to 58,200 miles, the annual fee is still waived for fully-funded HSBC Premier accounts, and up to four cardholders can receive an unlimited-visit Priority Pass. Obviously, you’ll want to ensure the funds in the account are earning a decent rate of return too (they can be invested into equities too).

Elsewhere the AMEX KrisFlyer Credit Card’s 9,900 bonus miles + S$100 eCapitaVoucher might be worth a look, since the first year’s annual fee is waived. This is a no-fuss way of getting access to AMEX Offers, even if the regular earn rates are rather miserly. 

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^
AMEX TCB
Ends 29 Dec 25
Apply
S$500
(30 days)
S$160 eCV
NTB
CIMB Visa Signature
Ends 1 Jan 26
Apply
S$108
(30 days)
S$138
NTB
DBS yuu AMEX
Ends 31 Dec 25
Apply
S$800
(60 days)
Use code DBSYUU
S$300
NTB
DBS yuu Visa 
Ends 31 Dec 25
Apply
MB Horizon
No end date

Apply
S$1,300
(2 mo.)
Luggage
NTB
OCBC Infinity Cashback
Ends 9 Dec 25
Apply
S$400
(30 days)
S$400 eCV
NTB
^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 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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