Summary
Key stat: 30% of Singaporeans can't qualify for a miles credit card, but Rently's eGIRO path lets you earn miles directly from your bank account — no credit card or annual fees required.
Key stat: At the Basic tier (0.4% fee), a S$2,500 rent earns 9,000 Max Miles per year at a cost of just S$10/month.
Key learning: eGIRO is a secure direct debit — you don't need a credit or debit card; just a Singapore bank account and a tenancy agreement.
Key action: Sign up with Singpass MyInfo and link your bank account to start earning Max Miles, transferable to multiple airline programmes.
What makes this possible: Rently transforms rent into rewards without landlord involvement, credit cards, or large upfront fees.
You don't need a credit card to earn airline miles in Singapore. You need a bank account and a tenancy agreement. That's it.
If that sounds too good to be true, you're not alone — and that skepticism is completely fair. Renters are constantly bombarded with rewards program promotions that turn out to have so many catches they're barely worth the effort. Minimum card spend requirements. Points that expire if you don't make five purchases a month. Complex transfer rules buried in the fine print.
But this is different. Rently's eGIRO path to earning miles isn't built on a credit card at all — it works directly from your bank account. And for the roughly 30% of Singaporeans who don't qualify for a miles credit card, that changes everything.
The Miles Card Barrier: Why So Many Singaporeans Are Locked Out
Travel rewards credit cards in Singapore are designed for a specific type of person: salaried professionals earning well above the median income. Here's what most cards actually require:
Minimum annual income of S$30,000 to S$80,000 depending on the tier of card
A clean credit history — limited credit history (common among students and young adults) or past financial difficulties can result in rejection
Annual fees ranging from a few hundred to over a thousand dollars for premium cards
This structure effectively locks out a huge portion of the population: students, fresh graduates still building their financial footing, gig economy workers and self-employed individuals with irregular income, low-income workers, and anyone who has faced credit challenges in the past.
If you've ever felt like the miles game was designed for someone else — you were right. It was. Until now.
How Rently eGIRO Works: Miles From Your Bank Account
eGIRO stands for Electronic General Interbank Recurring Order. It's not a new or experimental technology — it's the same secure direct debit infrastructure that Singaporeans already use to pay income tax, utilities, and insurance premiums. You can see the full list of eGIRO participating banks here, which includes all the major Singapore banks like DBS, OCBC, and UOB.
Here's how Rently uses eGIRO to let you earn miles on rent without a credit card:
Link your bank account — Connect your existing Singapore bank account to your Rently account using Singpass MyInfo for instant, secure verification.
Rently debits your rent automatically — On your due date, Rently pulls the rent amount directly from your bank via eGIRO and pays your landlord. No physical cheques, no manual transfers, no missed payments.
You earn Max Miles on every dollar of rent — When you opt into an Earn Rewards tier, every dollar paid generates Max Miles. No credit card involved at any step.
This is genuinely unique. No other service in Singapore lets you earn miles on eGIRO rent payments. Other services in the space require a credit card — Rently's eGIRO path is the only route that works without one.
The Math: What Does It Actually Cost, and What Do You Get?
Let's be direct: earning miles through Rently isn't free. The base "Pay with Rently" eGIRO service costs nothing (0% fee), but to earn Max Miles, you opt into an Earn Rewards tier that comes with a small service fee. Think of it as buying miles at a known cost, using your rent payment as the vehicle.
The Earn Rewards tiers carry fees of 0.4%, 1.3%, or 2.3%. Here's what the most accessible Basic tier (0.4%) looks like across typical Singapore rental amounts:
S$2,000 Monthly Rent
Service Fee: S$8
Miles Earned/Month: 600 Max Miles
Miles Earned/Year: 7,200 Max Miles
S$2,500 Monthly Rent
Service Fee: S$10
Miles Earned/Month: 750 Max Miles
Miles Earned/Year: 9,000 Max Miles
S$3,000 Monthly Rent
Service Fee: S$12
Miles Earned/Month: 900 Max Miles
Miles Earned/Year: 10,800 Max Miles
For under S$10 a month, someone paying S$2,500 in rent walks away with 9,000 Max Miles a year — with zero credit card required. That's a meaningful haul, especially when you consider that rent is a bill you were always going to pay.
What Can You Do With Max Miles?
Max Miles are earned through the HeyMax platform, which acts as a flexible rewards hub. Here's where they can take you:
Transfer to airline frequent flyer and hotel loyalty programmes: Max Miles can be converted into miles or points with participating airline frequent flyer and hotel loyalty programmes, including KrisFlyer (via yuu Rewards). This includes access to booking award flights and hotel stays.
Flexible redemption options: Depending on current partner availability, you may redeem Max Miles for flights, hotel stays, and other travel rewards through HeyMax.
Important: Partner lists and transfer ratios change over time. Always check the HeyMax platform for the most current partner options and rates before planning your redemptions.
The key advantage here is flexibility. You're not locked into a single airline or hotel chain — you accumulate miles over time and redeem when the opportunity is right.
What You Need to Get Started
Getting set up with Rently is straightforward. Here's your checklist:
✅ Singpass MyInfo — Used for instant identity verification. No lengthy forms to fill out.
✅ A valid tenancy agreement — Required to verify your rental arrangement and the amount to be paid.
✅ Employment or income source — You'll need to show you have a regular source of funds to cover your rent.
One important note on the review process: Rently is not a traditional credit card provider, but it does conduct due diligence as a responsible payment service. Specifically, Rently conducts a credit review including checks for major payment defaults or active bankruptcy. Rently conducts a credit review as part of the application process, including checks for major payment defaults or active bankruptcy.
Frequently Asked Questions
Can I use a debit card instead of a credit card?
You don't need a debit card either. eGIRO is a direct debit from your bank account — your account number is all that's needed. No card details to enter or store.
Is there a minimum rent amount?
There's no officially set minimum rent to use Rently. That said, the service fee scales with your rent amount, so the value is most apparent at typical Singapore rental figures. For very low rent amounts, do the quick maths to make sure the fee-to-miles ratio works for your situation.
Does my landlord need to sign up with Rently?
No. Rently works with any landlord in Singapore. As long as you have a tenancy agreement and your landlord's bank account details, Rently can settle the rent directly on your behalf. Your landlord doesn't need to do anything differently.
What if something goes wrong with a payment?
Rently uses Singapore's eGIRO banking network — the same infrastructure used for nationwide bill payments and government tax collections. It's not a workaround or a third-party workaround involving physical cheques. eGIRO transfers are processed through Singapore's established interbank system — the same secure infrastructure used for nationwide bill payments and government tax collections — providing a reliable and traceable payment trail.
Does earning miles require a credit card at any point?
No. The eGIRO path is entirely credit card-free. (Note: Rently does offer a separate CC tier for credit card users, but that is a different product. Everything described in this article applies exclusively to the eGIRO path.)
Your Rent Is Already Your Biggest Monthly Expense — Make It Work for You
The miles game has had a long-running VIP list, and a lot of Singaporeans haven't been on it. High income requirements, strict credit checks, and steep annual fees have kept travel rewards out of reach for students, fresh grads, gig workers, and anyone who doesn't fit the traditional cardholder profile.
Rently's eGIRO service changes that. By letting you earn miles on eGIRO rent payments directly from your bank account — no credit card, no minimum spend requirement, no complicated hoops to jump through — it opens up a path that simply didn't exist before.
At the Basic tier, paying S$2,500 in rent costs you S$10/month and earns you 9,000 Max Miles a year. That's real value, from a bill you were always going to pay.
Ready to start? Head over to Rently to link your bank account and turn your largest monthly expense into your next trip.
Frequently Asked Questions
What is Rently and how does it help me earn miles on rent in Singapore?
Rently is a Singapore-based rent payment platform that lets you earn Max Miles by paying rent through eGIRO — a secure direct debit from your bank account. You don’t need a credit card, a high income, or a perfect credit history. Simply link your bank account, verify your identity via Singpass, and opt into an Earn Rewards tier. Your rent is automatically debited and paid to your landlord, and you earn miles on every dollar.
Do I need a credit card or a good payment arrangement score to use Rently?
No, Rently’s eGIRO path does not require a credit card or a traditional payment arrangement score assessment. The only requirement is a Singapore bank account and a valid tenancy agreement. Rently conducts a credit review (checking for major defaults or active bankruptcy), which is far less restrictive than a credit card application. This makes earning miles on rent accessible to students, fresh graduates, gig workers, and anyone who previously couldn’t qualify for a miles credit card.
How many miles can I earn with Rently’s Basic tier each month?
At the Basic tier (0.4% fee), you earn 0.3 Max Miles per dollar of rent. For a monthly rent of S$2,500, that’s 750 Max Miles per month and 9,000 Max Miles per year, at a cost of just S$10 per month. For S$3,000 in rent, you’d earn 10,800 Max Miles per year for S$12 per month. The value scales directly with your rent amount.
Can I transfer Max Miles to Singapore Airlines KrisFlyer or other frequent flyer programmes?
Yes, Max Miles can be transferred to a variety of airline frequent flyer programmes, including Singapore Airlines KrisFlyer. The full list of transfer partners and conversion ratios is maintained on the HeyMax platform, which acts as your miles hub. Because partner options can change, always check the latest list before planning a redemption. The key advantage is flexibility — you’re not locked into one airline or hotel chain.
Is using eGIRO for rent payments safe?
Absolutely. eGIRO is Singapore’s national direct-debit infrastructure, already used by millions of people to pay income tax, utility bills, and insurance premiums. It processes transfers through the banking system with the same security and traceability as any bank transfer. Rently never holds your money as a custodian; funds move directly from your bank account to your landlord’s account.
Does my landlord need to sign up or do anything differently?
No. Rently works with any landlord in Singapore as long as you have a valid tenancy agreement and the landlord’s bank account details. Your landlord receives rent payments directly from Rently on your due date, just as they would from a bank transfer. There is no registration, app download, or behaviour change required on their part.
What happens if my rent payment fails (insufficient funds)?
If a GIRO debit fails due to insufficient funds, your bank may charge a standard GIRO failure fee (typically around S$10). Rently may also apply its own fee, which is disclosed in the terms. To avoid this, ensure your linked account has sufficient funds before your rent due date. A bounced payment can also temporarily affect your ability to use Rently’s services, so it’s important to maintain adequate balance.
Are there any hidden fees or long-term commitments with Rently’s Earn Rewards tiers?
No hidden fees. The service fee for earning miles is clearly stated: 0.4% (Basic), 1.3%, or 2.3% of your rent amount, depending on the tier you choose. You can cancel or switch tiers at any time without penalty. There are no annual fees, no minimum spend requirements, and no lock-in contracts. You only pay the stated fee when you choose to earn miles.
