Best Metal Credit Cards in Singapore 2024

This is why the Standard Chartered Visa Infinite X Card is the best credit card in Singapore in terms of accessibility.

Standard Chartered Visa Infinite X Card is by far the most accessible metal credit card on the market. Cardholders with Priority or Private banking relationships with Standard Chartered need only earn S$30k annually to apply; non-customers must earn S$80k. In both cases, the barrier to entry is far lower than with other metal cards, which tend to require a minimum income of S$150k–S$500k+.

Also, SC VI X Card provides some of the best welcome bonus offers in the market. Cardholders who place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months receive a substantial 100,000 KrisFlyer miles welcome bonus–worth S$10k when redeemed for business class tickets. Those who can invest even greater amounts can benefit even further: placing S$800k receives a 150,000 miles bonus (worth S$15k) and Priority Private Banking customers who place S$1.5m receive an astounding 300,000 miles (worth S$30k). As apparent, these welcome bonuses are most attractive to very affluent individuals who can afford to make such investments.

This is why the OCBC Voyage Card is the best credit card in Singapore in terms of versatility.

OCBC Voyage Card is not only an exceptional metal card in terms of value-to-consumer, it’s also more accessible than any of its alternatives. Cardholders can apply directly, instead of waiting for an invitation, and need a salary of "just" S$120,000 to qualify (compared to S$500,000+ with others). In addition, the annual fee is S$488.0–the absolute lowest of metal cards on the market.

Nonetheless, OCBC Voyage Card comes with excellent benefits. In fact, cardholders earn 1.2 miles per S$1 locally, a boosted 1.6 miles for local dining, and 2.3 miles overseas–rates that are higher than offered by even some of the most expensive metal cards. Cardholders also enjoy flexible miles redemption as there are no black-out dates, no conversion fees, and minimal processing time.

In terms of travel privileges, OCBC Voyage Card also impresses. Cardholders receive unlimited lounge access for the principal cardholder and a guest, free travel insurance with S$1,500,000 personal accident coverage (one of the highest on the market), up to 2 free limo transfers/month, and even 30% off green fees throughout SE Asia. Overall, OCBC Voyage Card is an incredible option if you want access to metal card privileges without a metal card fee.

This is why the UOB Lady’s Solitaire Metal Card is the best credit card in Singapore for retail shopping.

UOB Lady’s Solitaire Metal Card is one of the more accessible metal credit cards and offers higher miles-earning rates than alternatives. Cardholders earn 4 miles per S$1 spend in 2 categories of their choice, which can be updated or changed every quarter: travel, dining, beauty, family, fashion, transport & entertainment–both locally and overseas. To put this in perspective, most metal cards offer 2 miles per S$1 spend, at most. However, earnings with UOB Lady’s Solitaire Metal Card are capped at 10,800 miles/month, which means consumers spending more than S$3,000/month are losing out on their earning potential.

As a result, UOB Lady’s Solitaire Metal Card is best for above-average spenders. While there’s a S$588.0 fee, it’s fairly low compared to other metal cards. In addition, cardholders who max out their miles every month can still earn S$708 even after the fee is deducted.

In addition, while UOB Lady’s Solitaire Metal Card is a more ‘affordable’ option, cardholders still enjoy 2 free lounge visits & 2 free airport transfers/year, free travel insurance, unlimited Boingo WiFi access, and 1-year free Global Hotel Alliance Black Loyalty Membership. Overall, if you want a metal card to maximise miles and spend about S$3,000/month, this could be the card for you–while marketed as ‘by invitation only,’ you can earn an invite by spending S$45,000 on an existing UOB Lady’s Card.

This is why the UOB Visa Infinite Metal Card is the best credit card in Singapore for direct apply and exclusive privileges.

UOB Visa Infinite Metal Card is by far the best metal card for luxury privileges that consumers can apply for directly, rather than waiting (and hoping) for an invitation. Cardholders earn at a fairly standard rate of 1.4 miles per S$1 locally and 2 miles overseas, and receive 25,000 bonus miles (worth S$250) with every payment of the S$642.0 annual fee.

While this fee is admittedly high, it’s still lower than that of many other metal cards’. In addition, it’s reflected in the many perks offered to cardholders. For example, cardholders receive 4 free lounge visits/year (plus access to UOB Infinite Private Lounges in SE Asia), free travel insurance, Hertz rental car discounts and upgrades, room upgrades via Visa Luxury Hotel Collection, and golfing privileges across SE Asia.

While these are great perks, they’re not especially unique amongst metal cards–what makes UOB Visa Infinite special is it’s excellent concierge and support services. Cardholders benefit from UOB Travel Concierge, which offers complimentary flight upgrades, boosted miles rates, and even free transfers with select travel packages. They also receive access to UOB Medical Concierge, which helps to fast track appointment scheduling, make hospital admission arrangements, and even to find proper medical specialists. Finally, cardholders enjoy home, vehicle, travel and medical assistance, up to S$50,000/year. This includes everything from electrical repairs to vehicle towing.

Overall, UOB Visa Infinite Metal Card’s support services are some of the best on the market for everyday assistance–reaching beyond instances of luxury. In addition, you can apply directly, and pay a lower fee than with other metal cards. If you want to enjoy elite privileges now, rather than waiting for an invitation, this could be a great option for you.

This is why the American Express Centurion Card is the best credit card in Singapore for luxury perks.

American Express Centurion Card is extremely exclusive–in fact, it’s difficult to find many details about this ‘original’ metal card online. Consumers must be invited to apply, and those that do will be expected to pay both a S$7,490 joining fee plus a S$7,490 annual fee–that’s an incredible S$15,000 payment upfront.

Those seeking top-of-the-line luxury, however, may very well feel this expense is worth it. This card isn’t really about earning miles–general spend earns a very low 0.87 miles per S$1, though it’s worth pointing out that spend with select luxury brands earns 7.12 miles per S$1. What does make Amex Centurion stand out is the sheer amount of perks it offers. Cardholders instantly receive elevated hotel statuses across the board: SPG Gold, IHG Platinum, Club Carlson Gold Elite, Hilton Diamond, and Shangri-La Golden Circle Diamond. They enjoy special treatment spanning from early check-in and room upgrades to $100 USD in amenity credits. Cardholders also receive unlimited lounge access for themselves and 2 guests, with free travel insurance, meet & greet services, and even S$800 credit towards a private jet charter.

Amex Centurion also provides cardholders with exclusive restaurant reservations at Singapore’s top restaurants, access to a personal shopper and private shopping, and of course, Tower Club Membership. As if that weren’t enough, cardholders also receive 40% off yacht charters and up to S$500 credit with select cruise lines. All of this considered, it’s a bit easier to understand how Amex Centurion Card commands such a high fee. And, if you do receive an invite, you’ll be one of the few–the number of cardholders in Singapore is capped.

This is why the DBS Insignia Visa Infinite Card is the best credit card in Singapore for travel and leisure enthusiasts.

DBS Insignia Visa Infinite Card is an excellent metal card for travel and leisure enthusiasts and boasts one of the better rewards rates amongst it competitors. Cardholders earn 1.6 miles per S$1 locally and 2 miles overseas, with an added 100,000 miles bonus (worth S$1,000) wherein miles are non-expiring. Card perks are quite impressive too, including a free 2 night stay for the principal cardholder at exclusive hotels worldwide, free lounge access via Priority Pass, and expedited immigration service.

This card also has a few upscale touches that provide convenience and personalized appeal. DBS Insignia Visa Infinite Card is the first all-metal credit card that offers contactless pay. In addition, cardholders have their name etched in cursive onto the card. This card is definitely not for everyone, however. It’s ‘by invite only,’ requiring a S$500,000+ salary, and has a hefty S$3,210 fee. Overall, affluent travellers may be especially interested in DBS Insignia Visa Infinite Card.

This is why the Citi Ultima Card is the best credit card in Singapore for golfers.

Citi Ultima Card is the best "by invite only" card for travellers who love to golf. Cardholders earn 1.6 miles per S$1 locally, 2 miles overseas, and receive 150,000 bonus miles (worth S$1,500) with each card renewal–which, while substantial, only partially offsets the S$4,160 annual fee. Cardholders must earn S$500,000/year to even qualify, so this card is truly limited to the very affluent.

In terms of perks, cardholders receive quite a variety. Principal cardmembers and up to 2 supplementary cardholders receive unlimited lounge access via Priority Pass (though guests are not included), and cardholders receive free meet & greet services and airport transfers with purchase of 1st class or business class air tickets. Cardholders also receive fast-tracked immigration to maximise airport convenience. And, while travelling, cardholders enjoy a free hotel night with every booking within the Visa Luxury Collection.

Additional perks include dining privileges and discounts at top restaurants in Singapore, complimentary Club 21 styling services, and even discounted yacht charters. Citi Ultima Card stands out, however, for its golfing privileges. Cardholders + 1 companion receive unlimited free green fees across 21 courses in SE Asia, plus an additional 3 session for the principal member across a wider span of 280 fairways worldwide. No other card parallels Citi Ultima Card’s golfing perks. Overall, this metal card is best for avid golfers who also want top-notch travel privileges.