Do you consider yourself a savvy Singaporean consumer? We all know credit cards can help us save money if we use them right, but not all cards are created equal. Some of us may prefer cashback credit cards while others may like the idea of earning air miles that they can redeem for free flights. If you fancy having flexibility in the kind of rewards you can snag, a rewards credit card that lets you redeem your rewards for air miles along with a myriad of other goodies the likes of cash rebates, gifts, merchandise, vouchers and more will come in super handy. Below, we at BestCreditCards.sg share with you our top four rewards credit card picks that offer you flexibility in rewards redemption.

4 Best Rewards Credit Cards That Let You Redeem For Air Miles

1. Citi Rewards Card

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Citi Rewards Card

Citi Rewards Card

APPLY NOWAt Citibank's secure website
  • 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
  • 10X Rewards^ (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more.
  • 10X Rewards^ (4 Miles) on online food delivery with GrabFood, Deliveroo, foodpanda and more.
  • 10X Rewards^ (4 Miles) on online groceries with Amazon Prime Now, Fairprice On, Redmart and more.
  • 1X Rewards Points on all other spend, no cap.
  • No minimum spend required.
  • Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Sheng Siong) on top of your other card benefits.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with an upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan26% p.a.$192.60 waived the first yearS$30,000 per annum (Singaporeans and PRs); S$42,000 per annum (Foreigners)
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  • 10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent. Terms and Conditions apply.

Citi Rewards Card is a rewards credit card that will benefit you most if you are someone who shops on the regular in store or online (except for travel-related purchases). It lets you earn 10 points (or 4 miles) for every $1 spent online and offline, locally and overseas. Of course, you will earn 1 point for every $1 spent on all other purchases charged to your card. You can transfer your points to Citibank's frequent flyer partners - Asia Miles, Royal Orchid, Singapore Airlines KrisFlyer, Executive Club, Garuda Frequent Flyer, Etihad Guest, Eva Air-Infinity MileageLands, Malaysia Airlines - Enrich, Hilton Honors and IHG® Rewards Club.

2. HSBC's Revolution Credit Card

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HSBC's Revolution Credit Card

HSBC's Revolution Credit Card

APPLY NOWAt HSBC's secure website
  • New Cardholder can receive choice of Samsonite Prestige 69cm Spinner Exp with built-in scale worth $670 or $150 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. || Existing Cardholder will receive $30 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Existing HSBC Credit Card must be issued more than 12 months earlier. Valid from 1st April 2020 till 30 June 2020.
  • 5x Rewards on online transactions, local dining transactions, local entertainment transactions.
  • Earn 1 Rewards point with every S$1 you spend on all other transactions.
APPLY NOWAt HSBC's secure website
2.50% p.a. for 6 months on balance transfers or 4.88% p.a. for 12 months on balance transfers both with a processing fee of $8825.9% p.a.S$150 waived for the first 2 yearsS$30,000 p.a. (Singapore Citizens and PR)

HSBC's Revolution Credit Card lets you earn 5x Rewards on dining, online purchases and entertainment, with no minimum spend and no limit on how many points you can earn. This is equivalent to 2 miles for every $1 spent! You can convert your rewards points into air miles with frequent flyer programmes from Asia Miles and Singapore Airlines KrisFlyer. Every 5,000 Rewards points you convert will bag you 2,000 miles.

3. OCBC Titanium Rewards Card

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OCBC Titanium Rewards Card

OCBC Titanium Rewards Card

  • 10X OCBC$ in specific online and offline categories locally and overseas such as clothes, shoes and bags; department stores; electronics and gadgets; babies' and children's wear.
25.92% p.a.S$192.60 (No annual fees for first 2 years)S$30,000 per annum and above (Singaporeans and Singapore PR); S$45,000 per annum and above (foreigners)
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  • Effective interest rate is 25.92% per annum.

OCBC Titanium Rewards Card is a solid all-round rewards credit card that lets you earn 10X OCBC$ in specific online and offline categories including clothes, shoes and bags; department stores; electronics and gadgets; babies' and children's wear. All other purchases will earn you 1X OCBC$. With this credit card, you can redeem 10,000 Singapore Airlines KrisFlyer miles with 25,000 OCBC$. Keep in mind OCBC$ expire 2 years after they were earned.

4. The American Express® Platinum Credit Card

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The American Express<sup>®</sup> Platinum Credit Card

The American Express® Platinum Credit Card

APPLY NOWAt American Express' secure website
  • Card Members to spend S$6,000 on eligible purchases of goods or services within the first 3 months upon Card approval to receive 25,000 Membership Rewards (“MR”) Points. Spend another S$6,000 on eligible purchases of goods or services in the next 3 months (i.e. 4th to 6th month) of Card approval to receive another 25,000 MR points. Valid when you apply and receive approval between 1 May 2020 and 30 June 2020 (both dates inclusive). Terms and conditions apply.
  • Earn a total of 2 Membership Rewards points* for every full S$1.60 spent.
  • Your spending goes even further at our Platinum EXTRA Partners like IWC and The Hour Glass, where every full S$1.60 spent gives you up to 10 Membership Rewards points (equivalent to 5.5 miles).
  • Your points do not expire.
  • Convert your points to miles: Enjoy permanent waiver of the miles transfer fee (worth S$40) with the American Express Platinum Credit Card. With this, redeem your points for Frequent Flyer Miles from Airline Partners like Asia Miles, British Airways Executive Club, Emirates Skywards, Singapore KrisFlyer and more.
APPLY NOWAt American Express' secure website
26.90% p.a.S$321S$80,000 p.a. for Singapore Citizens and Residents

Are you a foodie at heart? If you have just nodded your head in excitement, The American Express® Platinum Credit Card will be your new BFF - it is one of the best dining credit cards you can find on the market. Anyhow, besides the awesome array of 50% savings on meals you can look forward to, this credit card lets you earn Membership Rewards points on your all your spending. Plus, these points do not expire!

Another huge bonus is that you will enjoy a permanent waiver of the miles transfer fee (worth $40) with The American Express® Platinum Credit Card. Most credit cards require you to pay a conversion fee each time you transfer your rewards points although there are some credit cards that let you get actual miles for free.

With The American Express® Platinum Credit Card, you will earn 2 Membership Rewards points for every $1.60 spent and a total of 10 Membership Rewards points for every $1.60 spent at Platinum EXTRA Partners. You can redeem your points for frequent flyer miles from AmEx's airline partners such as Singapore Airlines KrisFlyer, Emirates Skywards, British Airways Executive Club, Asia Miles and more.