The biggest credit card sign-up bonuses in Singapore this month are 60,000 miles on UOB’s Visa Infinite Metal Card (with a S$654 fee and $4,000 of spending in 30 days), 30,000 miles on the DBS Altitude, Citi PremierMiles and HSBC TravelOne cards, and $288 to $365 of cashback from DBS, OCBC, Citibank and HSBC for $800 to $1,000 of spending. Every offer below comes straight from the bank’s own promotion page and terms, at the time of writing (November 2026), and each shows its end date, the spending it needs, who counts as a new customer, and whether you must pay the annual fee.
We are not paid by any bank, and there are no application links on this page.
The short version: A sign-up bonus is only worth having for spending you would make anyway, on a card you would keep for at least a year, paid in full every month. Three offers end on 30 November 2026 (Citi Prestige, UOB Absolute Cashback and CIMB’s luggage gift), and the OCBC, HSBC and UOB Visa Infinite Metal offers end on 31 December 2026.
How We Compiled This
We opened each bank’s credit card promotions page and the terms PDF for every offer in November 2026, and kept offers that meet four tests:
- Bank-direct. Offered on the bank’s own website or app. Gifts offered only through comparison sites are left out, and OCBC’s terms say applications through third-party websites do not qualify for its offer at all.
- Terms read in full. We list an offer only when its terms state the reward, the spend and window, who qualifies and the end date.
- A card offer, not a bundle. Offers that require a deposit account, an investment account or a loan are left out.
- Still open on the day we checked.
Left out this month: Standard Chartered (the card-only terms linked from its site ended on 30 September 2026, and its current offer needs a savings deposit and a share-trading account), Maybank (its site did not load for us), Trust (we could not find the terms for its sign-up gift, which is a stock or cash reward of random value) and Citigold-linked versions of the Citi Prestige offer.
Values in brackets for luggage are the banks’ own “worth” figures, not what the item would sell for.
Credit Card Sign-Up Bonuses at a Glance
New customer means no principal card from that bank (American Express: no card of any kind) and none cancelled within the look-back period stated. “Fee required” means the offer terms make you pay the first-year annual fee.
| Card | Bonus | Minimum spend and window | Who qualifies | Fee required? | Ends |
|---|---|---|---|---|---|
| UOB Visa Infinite Metal | 60,000 miles (40,000 for existing UOB cardholders) | $4,000 in 30 days | New and existing | Yes, $654 | 31 Dec 2026 |
| DBS Altitude | 30,000 miles, or 20,000 miles, or luggage (worth $680) | $800 in 60 days | New to DBS/POSB cards (12 months) | Yes for 30,000 miles ($196.20) | 28 Feb 2027 |
| Citi PremierMiles | 30,000 miles, or 8,000 miles | $800 in about two calendar months | New to Citi cards (12 months) | Yes for 30,000 miles ($196.20) | 31 Mar 2027 |
| HSBC TravelOne | 30,000 miles (20,000 existing) | $1,000 by end of the month after opening | New and existing | Yes, $196.20 | 31 Dec 2026 |
| OCBC 90°N or OCBC Rewards | 22,000 miles (Rewards: 55,000 OCBC$) | $800 in 60 days | New to OCBC cards (12 months) | No | 31 Dec 2026 |
| HSBC Revolution | 42,000 points, which HSBC equates to 16,800 miles ($50 existing) | $1,000 ($500 existing) by end of the month after opening | New and existing | No annual fee | 31 Dec 2026 |
| Citi Rewards | 40,000 ThankYou Points (16,000 miles) | $800 in about two calendar months | New to Citi cards (12 months) | No | 31 Mar 2027 |
| Amex KrisFlyer Ascend | Up to 45,000 KrisFlyer miles (up to 25,000 existing) | $5,000 in 6 months, then any spend in month 15 | New to Amex (24 months), or existing | Yes, $397.85 | 31 Jan 2027 |
| Amex KrisFlyer Credit Card | Up to 16,000 KrisFlyer miles | $2,000 in 3 months | New to Amex (24 months) | No | 31 Jan 2027 |
| Amex Platinum Credit Card | 40,000 Membership Rewards points (20,000 existing) | $4,000 in 3 months | New to Amex, or existing | Yes, $327 | 31 Jan 2027 |
| Citi Prestige | Up to 112,500 ThankYou Points | $14,000 in about two to three months | No Prestige card in 12 months | Yes, $651.82 | 30 Nov 2026 |
| OCBC 365 | $365 cashback | $800 in 60 days | New to OCBC cards (12 months) | No | 31 Dec 2026 |
| OCBC NXT | $300 cashback | $800 in 60 days | New to OCBC cards (12 months) | No | 31 Dec 2026 |
| OCBC INFINITY Cashback | 16% on the first $2,000 (bonus capped at $288) | No minimum; 60 days | New to OCBC cards (12 months) | No | 31 Dec 2026 |
| HSBC Live+ or Advance | $300, or luggage (worth $680) plus $100 ($50 existing) | $1,000 by end of the month after opening | New and existing | No | 31 Dec 2026 |
| Citi Cash Back+ | 8% on the first $4,000 (bonus capped at $256) | At least $800 in about two calendar months | New to Citi cards (12 months) | No | 31 Mar 2027 |
| Citi Cash Back or Citi SMRT | $300 cashback | $800 in about two calendar months | New to Citi cards (12 months) | No | 31 Mar 2027 |
| DBS yuu or POSB Everyday | $288 cashback, or luggage (worth $680) | $800 in 60 days | New to DBS/POSB cards (12 months) | No | 28 Feb 2027 |
| DBS Chromo | $288 cashback, or luggage (worth $680) | $500 in 60 days | New to DBS/POSB cards, aged 21 to 29 | No | 28 Feb 2027 |
| UOB Absolute Cashback (Amex version) | Luggage (worth $600) | $1,000 in each of two months | New to UOB cards (6 months) | No | 30 Nov 2026 |
| CIMB Visa Signature, World Mastercard or Visa Infinite | Luggage (worth $1,150) | $2,000 in 60 days | New to CIMB cards (12 months) | No annual fee | 30 Nov 2026* |
| Amex True Cashback | 3% on the first $5,000 (up to $150) | Any spend in the first 6 months | New cardholders | No | No end date stated |
*CIMB’s promotion page says the offer runs until 30 November 2026; its terms give a promotion period to 31 December 2026. Treat 30 November as the safe date.
Miles and Points Offers
DBS Altitude. Three choices, each with a promo code: 30,000 miles if you pay the $196.20 first-year fee, 20,000 miles with the fee waived, or a Samsonite trunk. All need $800 of spending within 60 days of approval and a DBS PayLah! account by the end of that period. The 30,000 is 20,000 for the spend plus 10,000 when the fee posts; DBS’s terms say that if the fee is later waived, those 10,000 miles are reversed. For a card approved in November, DBS expects to credit the miles in February or March 2027. More on the card in our DBS Altitude review.
Citi PremierMiles. 30,000 Citi Miles if you pay the $196.20 fee (20,000 for $800 of spending, 10,000 when the fee is billed and paid), or 8,000 miles with the first-year fee waived. You must apply online, hold no principal Citi card, have closed none in the last 12 months and have no Citi application pending. The spend window runs from the month your account opens: Citibank’s own example is that an account opened on 12 August has until the end of October. Our Citi PremierMiles review covers the card’s normal earn rate.
HSBC TravelOne. 30,000 miles (as 75,000 Reward points) for new cardholders and 20,000 for existing ones, for $1,000 of spending from the month the card account opens to the end of the following month. The catch: the $196.20 fee is charged and cannot be waived, even if you miss the spend. You must also tick marketing consent when you apply and keep it until the points arrive, within 120 days of the account opening.
OCBC 90°N and OCBC Rewards. 22,000 miles on the 90°N Visa or Mastercard, or 55,000 OCBC$ (which OCBC equates to 22,000 miles) on the Rewards Card, for $800 within 60 days. You must be at least 21, apply on OCBC’s own website, app or a branch, and be approved within 30 days. OCBC notifies you within four calendar months of meeting the spend. Someone who only holds a supplementary OCBC card still counts as new.
HSBC Revolution. 42,000 Reward points for new cardholders who spend $1,000, which HSBC equates to 16,800 Asia Miles. Existing HSBC cardholders get $50 cashback for $500. The card has no annual fee. See our HSBC Revolution review for the earn rates.
Citi Rewards. 40,000 ThankYou Points for $800 of spending, on the same new-customer and window rules as PremierMiles. At Citibank’s transfer rate of 25,000 points for 10,000 miles, that is 16,000 miles. Our Citi Rewards review explains the transfer fee.
American Express KrisFlyer cards. Amex has the longest look-back: you must hold no Amex consumer card, basic or supplementary, and have cancelled none in the last 24 months. On the KrisFlyer Ascend card, paying the $397.85 fee and spending $5,000 in six months earns 20,000 miles; another 20,000 arrive for any purchase in the 15th month of membership, by which point you are into a second card year. First-time applicants for an Amex Singapore Airlines card get 5,000 more for their first charge. The plain KrisFlyer Credit Card pays 11,000 miles for $2,000 in three months, plus the same 5,000, with the first-year fee waived.
High-Fee and High-Spend Offers
UOB Visa Infinite Metal. 60,000 miles for new UOB cardholders: 25,000 for paying the $654 fee, which UOB says cannot be waived, and 35,000 for $4,000 of spending within 30 days of approval. The card must be approved by 31 December 2026, and the minimum income is $120,000. UOB credits the 35,000 bonus two months after the fee posts.
Citi Prestige. Up to 112,500 ThankYou Points: 50,000 for paying the $651.82 fee and 62,500 for $14,000 of spending between approval and the end of the second full calendar month after it. The offer closes on 30 November 2026.
Amex Platinum Credit Card. 40,000 Membership Rewards points for new-to-Amex applicants who pay the $327 fee and spend $4,000 in three months. Amex values the points at $240 in statement credits.
Cashback and Gift Offers
OCBC 365, NXT and INFINITY Cashback. $365 cashback on the 365 Card (applications from 1 November to 31 December 2026; it was $300 in October) and $300 on the NXT Card, each for $800 in 60 days. INFINITY Cashback has no minimum: it pays 16% on the first $2,000 spent within 60 days of approval, made up of its normal 1.6% plus a 14.4% bonus capped at $288. OCBC can claw the gift back if you cancel within 12 months of approval. More in our OCBC credit cards guide.
HSBC Live+ and Advance. For $500 of spending, a Samsonite case or $200; for $1,000, the case plus $100, or $300. Existing HSBC cardholders whose latest card is more than a year old get $50 for $500. Cancel within 12 months of opening and HSBC can recover the gift.
Citi Cash Back+, Cash Back and SMRT. Cash Back+ pays 8% on up to $4,000 of spending in the window, but only once you reach $800; the bonus part is capped at $256. Cash Back and SMRT each pay a flat $300 for $800. Citibank credits within three calendar months of the window ending.
DBS yuu, POSB Everyday and DBS Chromo. $288 cashback or a Samsonite trunk for $800 within 60 days ($500 on Chromo, which DBS only offers to people aged 21 to 29). A DBS PayLah! account is required. Cashback for cards approved in November is expected in February or March 2027.
UOB Absolute Cashback. A Samsonite case for spending $1,000 in each of the first two months. Only the American Express version qualifies, you must apply and be approved in November 2026, and you must not have held a principal UOB card in the six months before 1 November.
CIMB. A Samsonite Black Label case for $2,000 within 60 days on the Visa Signature, World Mastercard or Visa Infinite. You collect it in person at a redemption counter on Orchard Road, and CIMB can take its value back if you cancel within 12 months of the promotion ending.
American Express True Cashback. The card’s own terms pay 3% instead of the usual 1.5% on the first $5,000 of spending in the first six months, so the extra is at most $75. The $174.40 fee is waived for the first year.
Offers for Existing Customers
Most bonuses are for new customers only, but a few banks pay something to people who already bank with them:
- UOB Visa Infinite Metal: 40,000 miles if you already hold a principal UOB card, on the same $654 fee and $4,000 spend.
- HSBC: 20,000 miles on TravelOne, and $50 cashback on Revolution, Live+ or Advance, if your most recent principal HSBC card was issued more than 12 months ago and you have cancelled none in the past 12 months.
- American Express: up to 25,000 miles on KrisFlyer Ascend and 20,000 points on the Platinum Credit Card, if you have not cancelled that same card in the last 24 months. The fee is still required.
- Citibank: the Prestige offer only asks that you have not held a Prestige card in the last 12 months, so other Citi cardholders can qualify.
Is the Bonus Worth It?
These examples are illustrations only, with our own assumptions. A mile has no fixed value; our guide to using miles or cash for flights shows how to work out what one is worth to you.
1. Paying the fee for extra miles. DBS Altitude gives 10,000 more miles for paying $196.20, which prices those miles at about 1.96 cents each. Citi PremierMiles gives 22,000 more (30,000 against 8,000) for the same fee, about 0.89 cents each. If your redemptions are worth around 1.5 cents a mile, the Citi trade pays and the DBS one does not. On a long-haul business redemption worth 3 cents a mile, both pay.
2. A high fee for a big number. UOB Visa Infinite Metal’s 60,000 miles cost the $654 fee, about 1.09 cents a mile, but only if $4,000 of your normal spending lands in the first 30 days. Someone who spends $1,500 a month would have to bring forward or invent $2,500 of purchases. Spending you would not otherwise make is a cost, not a step towards the bonus.
3. “Up to” cashback at a normal spend. Take someone who puts $1,000 on a new card in the first two months, all of it eligible. Counting the welcome reward only:
| Offer | Working | Reward |
|---|---|---|
| OCBC 365 | $800 reached | $365 |
| HSBC Live+ | $1,000 reached | $300 |
| DBS yuu | $800 reached | $288 |
| OCBC INFINITY Cashback | 16% × $1,000 | $160 |
| Citi Cash Back+ | 8% × $1,000 | $80 |
The two percentage offers only reach their headline figure at higher spend: $2,000 for OCBC INFINITY ($320 including its base rate) and $4,000 for Citi Cash Back+ ($320). Try your own mix in the cashback vs miles calculator.
The Rules That Trip People Up
- “New customer” has a look-back. Cancel a card from the bank within the last 12 months (24 at American Express) and you do not qualify; UOB’s Absolute Cashback offer looks back six months. HSBC counts a card it closed for inactivity as a cancellation.
- Not all spending counts. The DBS, OCBC, UOB, HSBC and CIMB terms all exclude e-wallet and EZ-Link top-ups. DBS, OCBC, CIMB and UOB’s Visa Infinite Metal terms also exclude insurance premiums, tax and government payments, hospital bills, parking and (except on OCBC 365) utilities; DBS, OCBC and CIMB exclude school and university fees. Citibank excludes bill payments made with the card as the source of funds, and American Express keeps its list on its own exclusions page.
- Paying the fee is the condition. On fee-linked offers, asking for a waiver later can reverse the miles, as DBS’s and Citibank’s terms say. Our guide to asking for an annual fee waiver covers the usual process.
- Clawback if you cancel early. OCBC and HSBC: 12 months from approval or opening. CIMB: 12 months from the end of its promotion. American Express: six months from approval.
- The window starts at approval, not application. DBS and OCBC count 60 days from approval; Citibank and HSBC count from the month the account opens. Reversed or refunded purchases come off the total.
- Bonuses arrive months later. Three to five months is common, and luggage needs collecting from a redemption centre within a set period.
- Applying for several cards at once. Each application shows up as an enquiry on your credit report. Our guide to credit scores in Singapore explains why several in a short time can count against you. Banks also give one gift per person, however many of their cards you open.
- Income still applies. Most of these cards need $30,000 a year; see credit card minimum income for the rules.
Never Spend Extra or Carry a Balance for a Bonus
DBS’s Altitude page states a finance charge of 27.8% a year, charged daily, once you do not pay in full. Carrying $2,000 for a single month at that rate costs about $46, and because interest runs from each purchase date, the real cost is higher. Two or three months of that cancels a $100 to $150 gift. Our explainer on how credit card interest works shows the maths, and the debt payoff calculator helps if you already carry a balance.
A bonus is worth chasing only if you pay every statement in full and the minimum spend fits what you already buy.
What To Do Next
- Open the bank’s own promotion page and read the offer terms before you apply. Banks can change or end offers early.
- Check the end date: Citi Prestige, UOB Absolute Cashback and CIMB end on 30 November 2026.
- Check whether you count as new: list the cards you have held and cancelled with that bank in the last 12 months (24 for American Express).
- Compare the card itself, not just the gift, on our best credit cards in Singapore page and the comparisons for air miles, cashback, rewards points and travel cards.
- By bank: DBS, Citibank, UOB, HSBC, CIMB and Standard Chartered.
