Do you own a credit card in Singapore that lets you earn miles or points that expire? Whether you're just being a kiasu or sagacious Singaporean, it is always a good idea for us to know how to get more bang for our buck when we part with our hard earned money. For those who don't already know, credit cards can help us save money contrary to their generally sullied reputation. Nevertheless, not all cards provide the same mileage for their users - some are cashback credit cards, some are rewards credit cards while others may be petrol savings credit cards.

Well, we reckon it is always nice to earn miles and reward points to go along with our expenditure, but we may not always be aware of the fact that these reward points and miles actually expire. Here at GET.com, we've rounded up these credit cards with miles/reward points that will expire so that you can make sure to redeem your rewards before the expiry date!

3 Credit Cards With Miles Or Reward Points That Expire

1. Citibank Rewards Card VISA

Citibank Rewards Card VISA is one of our top picks for rewards credit cards and is especially apt for those who love online shopping or shopping in brick-and-mortar stores.

Your reward points earned will be in the form of Citi Dollars; you'll earn 10 points (or 4 miles) for every $1 spent on shopping year-round regardless whether you prefer shopping for shoes, bags or clothes, at departmental stores or with online shopping merchants (except for travel-related purchases). Citibank Rewards Card VISA cardholders also get to earn Citi Rebates at selected merchants.

Your points, unfortunately, do expire. Therefore, if you're intending to redeem your points for gifts or other privileges, do take note to use up your points within 5 years, or else risk having them vanish without a trace.

Minimum income requirement: $30,000 per annum

Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
Citibank Rewards Card VISA

Citibank Rewards Card VISA

APPLY NOWAt Citibank's secure website
  • Receive up to 30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 months. Welcome offer valid for online applications through 30 September 2019.
  • 10X Rewards Points* on all your online purchases (except travel-related transactions^).
  • 10X Rewards Points* on your shopping# spend locally and overseas.
  • 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.

2. UOB One Card

If you spend a lot every month, UOB One Card might just be the card you need to earn a solid cash rebate of up to 5% for all purchases no matter whether you're spending on petrol, clothes, grocery or bags.

Cardholders get to elevate this impressive rebate figure up to 25% by receiving up to 10% immediate SMART$ rebates at more than 400 participating merchants here in Singapore.

But of course, you have to be spending quite a chunk every month in order to be get those very enticing rebates mentioned above. Also, according to UOB, all SMART$ expire 6 months from the date of issuance or on the expiry date of your card, whichever is earlier. SMART$ that aren't redeemed within this time period will be forfeited.

Minimum income requirement: $30,000

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UOB One Card

UOB One Card

  • Additional 10% rebate on mobile payment transactions for Cardmembers who have successfully registered for the promotion, subject to a cap of S$50.00. For a limited time only. Other terms apply.
  • Enjoy up to 5% cash rebate based on a spend of S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$300.
  • Enjoy up to 3.33% cash rebate based on a spend of S$500 or S$1,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$50 or S$100 respectively.
  • Receive up to 3.33% p.a. Deposit Interest Rate on UOB One Account* when you spend on UOB One Card.
  • Up to 20.8% petrol savings at Shell and 24% at SPC.
25% p.a.$192.60 waived first yearS$30,000 p.a. (Singaporean/PR). S$40,000 p.a. (Foreigners)

3. UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card is a great card to have if you make more than $50,000 annually and if collecting rewards (in this case, UNI$) in exchange for cash rebates or air miles is one of your top reasons for using a card.

Note that each time you convert your UNI$ into air miles at the conversion rate of UNI$1= 2 miles, a conversion fee of $25 applies. Also, note that your UNI$ earned will expire 2 years from the last day of each periodic quarter in which your UNI$ was earned.

With each $1 spent, this amazing card lets you earn 6 miles on selected airline bookings at UOB Travel; 2.4 miles for overseas spend; 1.4 miles for local spend; and 20,000 bonus loyalty miles when you spend $50,000 in a year.

Minimum income requirement: $80,000

Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

  • Enjoy bonus 20,000 miles when you spend S$50,000 in a year.
  • 6 miles for every S$1 spent on major airlines and hotels through Expedia, Agoda and UOB Travel; 2.4 miles for every S$1 spent overseas; 1.4 miles for every S$1 spent locally.
25% per annum$256.80 first year card fee waiverS$50,000 per annum
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  • $25 conversion fee to transfer miles to a frequent travel account.

Always Up For Travelling?

We at GET.com love travelling and exploring the world ourselves, and we know how expensive an overseas holiday can be. Use a credit card site like GET.com to get expert tips and reviews on how you can maximize your savings.

Here you can read about the 11 tips and tricks to getting cheap flights in Singapore and the 2 best credit cards for budget travellers in Singapore if you're one wanderlusting individual with smaller budget.

It'll literally pay for you to check out these 4 sneaky budget airline fees all savvy Singaporeans should avoid.

Those who enjoy the finer things in life, including traveling, could surely check out the 5 best credit cards that give you free VIP airport lounge access. Nobody says we can't travel in style and comfort, right?