10 Best Premium Credit Cards in Singapore for Exclusive Privileges [2023]

Here's our top picks for the best premium credit cards in Singapore.

Singapore Business Owners

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Before we share our top picks for the best premium credit cards in Singapore, what exactly qualifies as a premium credit card?

A premium credit card typically offers luxurious and exclusive privileges and discounts with top dining, hotel and nightlife establishments. Of course, to qualify for these cards, there’s usually an income requirement that varies depending on the card.

1. Citi ULTIMA Card

Premium Credit Card Singapore - Citi Ultima Card
Type of InformationDetails 
Website https://www.citibank.com.sg/global_docs/microsite/ultima/index.html?lid=SGENCBGMSHETLHome
Eligibility Minimum annual income of S$500,000 required or at least $5M AUM with Citibank
Fees – Basic card annual fee: S$4,160.16
– Supplementary card annual fee: Free
Rewards– Travel: Earn 5 Citi ThankYouSM Points (2 Miles) for every S$1 spent in foreign currency with your Citi ULTIMA Card
– Lifestyle: 10% off all yacht charters for ONE15 luxury yachting
– Dining: Privileges at The Ritz-Carlton, The Fullerton Hotel, The Fullerton Bay Hotel, Fairmont Singapore

This Citi Ultima card is a by invite only card with exclusive privileges, catered towards high net worth individuals.

Other than the privileges listed above, new and/or renewing Citi ULTIMA Cardmembers will be entitled to receive a welcome gift/renewal gift of 375,000 Citi ThankYouSM Points (equivalent to 150,000 miles) upon paying the annual fee of S$4,160.16 (inclusive of GST).

2. Citi Prestige Card

Premium Credit Card Singapore - Citi Prestige Card
Type of InformationDetails 
Website https://www.citibank.com.sg/credit-cards/rewards/prestige-credit-card/?lid=SGENCBLCCCATLCitiPrestigeCardCRCD
Eligibility Minimum annual income of S$120,000 required
Fees Annual fee of S$535 inclusive of GST
Rewards– Earn 5 Citi ThankYouSM Points every S$1 spent overseas, and 3.25 Citi ThankYou Points (=1.3 Citi Miles) for every S$1 spent locally
– Indulge in complimentary night hotel stay worldwide, airport transfers, 1-for-1 entertainment experiences and more

Another top pick for premium credit card Singapore has got to be the Citi Prestige Card which is one of the leading cards in travel privileges and lifestyle rewards, offering access to exclusive events, round-the-clock global concierge service and more. What’s more is that they’re offering 62,500 Citi Thank You PointsSM upon payment of S$535 annual fee.

Some of the perks that we especially fancy are that of the complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort and also six complimentary golf games at highly celebrated golf course for the golf lovers.

3. UOB Visa Infinite Metal Card

Premium Credit Card Singapore - UOB Visa Infinite Metal Card
Type of InformationDetails 
Website https://www.uob.com.sg/personal/cards/credit/visa-infinite/
Eligibility Minimum annual income of S$150,000 required
Fees – Annual fee of S$642 inclusive of GST
– First supplementary card free
– Second supplementary card S$288 yearly
Rewards– Travel: Enjoy a high air miles earn rate, complimentary access to airport lounges worldwide, and exclusive privileges at prestigious hotels
– Dining: Indulge in dining privileges of gastronomic proportions at renowned restaurants, or wine and dine in style at home
ApplicationApply via form on website

One thing we particularly like about the UOB Visa Infinite Metal Card is their partnership with Parkway Hospitals Singapore where one can get 24-hour toll-free access to premier medical concierge services.

We also like them for their Home Assistance service which takes care of your repair bills with up to S$100 per visit, a maximum of two times a year.

4. DBS Insignia Visa Infinite Card

Premium Credit Card Singapore - DBS Insignia Visa Infinite Card
Type of InformationDetails 
Website https://www.dbs.com.sg/personal/landing/insignia-microsite/index.html?cid=sg-tre-vanity-deposits-insignia
Eligibility Minimum annual income of S$500,000 required or have a Treasures Private Client relationship with DBS (min AUM: S$1.5M)
Fees – Annual fee of S$3,210 inclusive of GST
– Offers up to a S$1 million credit limit
Rewards– Travel: 100,000 welcome air miles and earn 2 miles per S$1 spent overseas and 1.6 miles per S$1 spent locally
– Luxury yacht: Embark on that perfect getaway on a beautiful 51-feet catamaran berthed at ONE°15 Marina Club
ApplicationFor more information or to register your interest, get in touch with DBS Insignia Service Ambassadors at 1800 327 8088 (within Singapore)
or +65 6327 8088 (from overseas).

The DBS Insignia is a card that has your name on it, laser-etched onto the card with S$1 million credit to your name, really creating that personalised touch.

For each time you present your card when shopping, they accrue 4x DBS Points to your name at merchants such as Takashimaya Department Store, Esso and Tung Lok Group.

5. HSBC Visa Infinite Credit Card

Premium Credit Card Singapore - HSBC Visa Infinite Credit Card
Type of InformationDetails 
Website https://www.hsbc.com.sg/credit-cards/products/visa-infinite/
Eligibility Minimum annual income of S$120,000 required
Fees Annual fees:
– HSBC Premier customers: SGD488 (inclusive of GST)
– Everyone else: SGD650 (inclusive of GST)
Rewards– Additional cashback: Earn additional 1% HSBC Everyday+ Cashback with your HSBC Everyday Global Account
– Dining: Indulge yourself with our dining and spa privileges at exclusive discounts of up to 50%
– Travel: Get up to 2.25 air miles per dollar spent

For a limited time when you sign up for this card, you’ll get 35,000 air miles redeemable with over 40 airlines and also receive an additional S$30 cashback when you apply online with Myinfo via Singpass.

In getting a supplementary card, earn 1 Reward Point per dollar spend made on the supplementary cards for up to five supplementary cards!

6. Standard Chartered Visa Infinite X Credit Card

Premium Credit Card Singapore - Standard Chartered Visa Infinite X Credit Card
Type of InformationDetails 
Website https://www.sc.com/sg/credit-cards/x-card/
Eligibility Minimum annual income:
– For Priority/Private Banking customers: S$30,000
– For all other customers: S$80,000
Fees Annual Fees:
Principal card: S$695.50 including GST.
Supplementary card: S$107 including GST.
Rewards– 3600 reward points never expire
– Complimentary travel insurance coverage of up to S$1,000,000
– Enjoy a choice of air miles, cash rewards and travel credits. Earn up to 2 Air Miles, 2% Cash Reward or use your 360 Rewards Points for Travel Credits

Enjoy welcome gift of 30,000 miles when you sign up, something that might be attractive as more countries start opening up for travel. We also like them for the fact that they provide dining discounts at selected restaurants at Marina Bay Sands.

Enjoy up to 30% off your dining bill at participating restaurants at Marina Bay Sands with your X Card! This promotion is valid from 1 February 2022 till 31 January 2023.

7. OCBC Voyage Card

Premium Credit Card Singapore - OCBC Voyage Card
Type of InformationDetails 
Website https://www.ocbc.com/personal-banking/cards/voyage-credit-card.page
Eligibility – Minimum annual income of S$120,000 required
– OCBC Premier VOYAGE Card is exclusive to OCBC Premier Banking customers only
Fees Principal card with the following annual service fee options
– S$488 (with GST) with 15,000 VOYAGE Miles
– S$3,210 (with GST) with 150,000 VOYAGE Miles
Rewards– Receive up to 2.3 VOYAGE Miles or up to 2.3% cash rebate, no cap, no minimum spend requirements
– Waiver of S$25 KrisFlyer Miles redemption admin fee
– Enjoy a new 1-for-1 dining deal every month 

This OCBC Voyage card is a miles focused card and based on the benefits, it would definitely be a steal for frequent flyers.

Enjoy 19% off at Caltex on fuel spend with no minimum spending required and also enjoy eCommerce purchase protection where you can receive coverage for losses when you make online purchases using your VOYAGE Card.

You can claim up to USD 1,000 in a year.

8. American Express® Platinum Reserve Credit Card

Premium Credit Card Singapore - American Express® Platinum Reserve Credit Card
Type of InformationDetails 
Website https://www.americanexpress.com/sg/credit-cards/platinum-reserve-credit-card/?intlink=sg-premiumcards-img-platreservecreditcard
Eligibility – Minimum annual income of S$150,000 required
Fees – Annual Basic Card Membership Fee: S$535.00 (inclusive of GST)
– First 2 Supplementary Card(s) fee permanently waived
Rewards– Enjoy a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide
– For new to American Express Card Members, receive 50,000 Membership Rewards points when you spend S$5,000 in the first 6 months of Card Membership. Valid until 31 March 2022

This card is big on dining and lifestyle rewards where you can enjoy up to 50% savings at a handpicked selection of popular restaurants island-wide and enjoy 1-for-1 and complimentary drinks at a dozen other nightspots in Singapore.

Furthermore, these points never expire, which means you can take all the time to need to collect, redeem, and enjoy.

9. American Express Platinum Credit Card

Premium Credit Card Singapore -American Express Platinum Credit Card
Type of InformationDetails 
Website https://www.americanexpress.com/sg/credit-cards/platinum-credit-card/?intlink=sg-rewardscards-img-platinumcreditcard
Eligibility Minimum annual income of S$80,000 required
Fees – Annual Basic Card Membership Fee: S$321.00 (inclusive of GST)
– First 2 Supplementary Card(s) fee permanently waived
Rewards– Receive a complimentary 2-night stay at Conrad Centennial Singapore (worth up to S$600++) when you spend S$5,000 in your first 3 months of Card Membership

With American Express Selects, enjoy up to 50% savings at our curation of restaurants around the globe and enjoy privileges of up to 50% savings at selected restaurants in some of the best luxury hotels in Singapore such as Fairmont Singapore.

Now, get up to S$150 Statement Credit when you successfully refer new friends to American Express.

10. OCBC Elite World Card

best premium credit cards in singapore_ocbc premier world elite
Type of InformationDetails 
Website https://www.ocbc.com/personal-banking/premier-banking/premier-banking/solutions/premier_world_elite.page
Eligibility – Exclusive to OCBC Premier Banking Customer
– Minimum annual income of S$250,000 required
Fees – Annual fee of S$1,600
Rewards– Every S$1 charged on overseas spend earns you 3 OCBC$ and every S$1 spend earns you 1 OCBC$
– Enjoy 2 complimentary visits to over 600 airport VIP Lounges worldwide

This world Mastercard is catered to frequent flyers where one can get to fly Business Class on the airline of your choice, and receive a cash rebate worth 50% of the purchase or S$3,000, whichever is lower amongst the many benefits.

Do check this card out if you are resuming your travels as more travel locations open up.


Do you have any reviews and comments to share regarding our choices for the best premium credit cards in Singapore?

While SBO is committed to supporting our local businesses, we welcome any feedback and anonymous sharing regarding your experience with the above-listed best premium credit cards in Singapore.

We hope that this guide will be useful in helping you to make a better decision when it comes to finding the best premium credit cards for you to enjoy exclusive privileges in Singapore.

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