Just Moved to Singapore? A Miles Card Guide for Expats
Consider a local card
Home cards may charge fees, depending on where and what you buy.
Quick questions 2
Can I get a credit card in Singapore on an Employment Pass?
Many banks accept applicants holding an Employment Pass, subject to their own income and document requirements. Eligibility is set by each bank, so check its terms before applying.
Should I cancel my home-country cards?
Not necessarily. They can still be useful for spending in your home currency. For everyday spending in Singapore, check whether your home card charges fees on local purchases; a local card is often the simpler choice.
Read the full guide
Moving countries is busy enough. Here is the short version of what newcomers need to know to get a local card and start earning miles on spending you are doing anyway.
Why get a local card at all?
Cards issued in your home country work in Singapore, but depending on the card, where you shop and what you buy, some purchases can attract foreign currency or cross-border fees. Home cards also rarely earn Singapore-specific bonuses. A local card is built around spending here and lets you earn miles with programmes like KrisFlyer.
New to miles altogether? Start with how to earn miles in Singapore.
Applying as a newcomer
Each bank sets its own rules, but applications from foreigners usually need a valid pass, proof of income such as payslips or an employment contract, and proof of a Singapore address. Minimum income requirements for foreigners are often higher than for citizens and permanent residents.
Because your credit history from home does not carry over, some newcomers find approval easier with the bank that already holds their salary account. Always confirm eligibility with the issuer before applying.
Choosing your first card
Start with one card that rewards your biggest spending category, and pay it in full every month. Once you are approved and settled, add a general spend card to cover everything else. Our multi-card strategy guide shows how the two work together, and the New to Miles walkthrough suggests starter cards in three quick questions.
General information, not financial advice. Banks set their own rates, limits, fees and rules, and change them from time to time, so check with the bank before you apply. CardMatchly is independent and is not paid by any bank.