For most tenants in Singapore, rent is the biggest monthly expense, often ranging from $1,800 to $6,000 or more. Yet, for years, this major cost earned zero rewards. No air miles, no points, no cashback.
But that has changed.
Today, tenants can pay rent and earn miles in Singapore, converting a routine monthly payment into a powerful travel strategy. Whether you’re saving up for a business-class flight, planning multiple regional trips, or simply want to convert rent to miles in Singapore, earning miles from rent has become one of the most effective ways to accelerate your rewards balance.
In this guide, you’ll learn:
How to convert your rent into miles in Singapore
The best airline credit cards for rent payments
How to calculate the miles you can earn each month
Why paying rent with Rently offers unmatched value
And why Rently is the only platform that lets tenants earn miles via eGIRO — the lowest-fee way to pay rent and still earn miles
Let’s get started.
1. Can You Really Earn Air Miles From Rent in Singapore?
Yes, and not only is it possible, but it has become increasingly common among miles collectors, expats, and frequent travellers.
Because most landlords in Singapore do not accept credit cards directly, tenants typically earn miles through an intermediary platform. These platforms charge your credit card or process a bank-to-bank transfer, then pay the landlord through a normal FAST transfer.
This bridges the gap between:
Your credit card, and
Your landlord’s preferred payment method
Tenants who want to pay rent and earn miles in Singapore now use digital payment platforms specifically designed for rent.
However, not all platforms are created equal. The options differ significantly in:
Rewards
Flexibility
Card compatibility
Fees
Airline transfer partners
Redemption value
And only one platform — Rently — lets tenants earn miles even when paying via eGIRO.
2. How Paying Rent Earns You Air Miles
There are two main ways tenants in Singapore can earn miles from rent:
Method 1: Earn Miles Through Your Credit Card
If you pay rent with a miles-earning credit card, you receive airline miles depending on the earn rate and rewards program supported by your card.
For example, using a card that earns 1.2 miles per dollar, a $3,000 rent payment earns:
3,000 × 1.2 = 3,600 miles per month
= 43,200 miles per year
That’s already enough for a round-trip to Hong Kong or Bangkok.
Method 2: Earn Additional Miles Through a Rewards Platform (e.g., Rently)
Some platforms provide extra rewards on top of credit card miles, such as:
Flexible reward currencies
Points transferable to multiple airlines
Platform-specific miles
In the case of paying rent with Rently, tenants earn:
✔ Credit card miles
PLUS
✔ Max Miles — a flexible rewards currency
Max Miles convert 1:1 into 30+ airline and hotel loyalty programmes, including:
Qatar Airways
United
Virgin
Qantas
British Airways
Air Canada
Flying Blue
Hyatt, Marriott, IHG
This makes your rent far more rewarding than a standard bank card transaction.
Method 3 (Exclusive to Rently): Earn Miles When Paying Rent via eGIRO
This is a major breakthrough in Singapore’s miles ecosystem:
Rently is the only place in Singapore where you can pay rent and earn miles via eGIRO.
Why this matters:
eGIRO is lower fee than credit card payments
eGIRO is fully automated
eGIRO does not rely on card rewards
Yet tenants still earn Max Miles — making Rently the first platform to pair eGIRO + miles earning
This allows tenants to:
Reduce payment fees
Still earn miles every month
Enjoy stable, automated payments
No other platform offers miles on eGIRO.
None.
This is particularly valuable for tenants who want consistent miles accumulation at a lower cost.
3. Why Paying Rent with Rently Is the Best Way to Earn Miles in Singapore
While several platforms allow tenants to pay rent with a credit card, only Rently offers a comprehensive miles-earning structure that works for everyday tenants — not just hardcore miles chasers.
Here’s why:
3.1 Earn Miles Even Without a Credit Card (via eGIRO)
Rently is the only platform where tenants earn miles via eGIRO.
This means:
Lower fees
Full automation
No need for a miles credit card
Rewards on every rent payment
Perfect for tenants who want simplicity + rewards.
3.2 Double Reward Structure (Credit Card Miles + Max Miles)
When paying rent with Rently using a credit card, tenants earn:
Airline miles from their card
Additional Max Miles
This effectively doubles your total rewards, creating a much higher effective earn rate.
3.3 Flexibility to Choose the Best Miles Programme
Because Max Miles converts to 30+ partners, tenants aren’t locked into one programme like KrisFlyer.
This opens up:
Better redemption charts
Lower mileage requirements
Business class opportunities
Access to global airline alliances
Flexible points = higher value.
3.4 Perfect for Hitting Credit Card Sign-Up Bonuses
Rent is a large, predictable monthly expense. Paying rent payments through Rently helps you:
Hit minimum spend requirements
Unlock bonus miles
Reach annual card tiers
This dramatically accelerates your miles earning.
3.5 Fast, Secure, and Optimised for Local Rent Payments
Rently is designed specifically for tenants and landlords in Singapore, which means every part of the payment flow is optimised for local speed, reliability, and security. Tenants benefit from:
Faster processing times with domestic FAST transfers
Higher payment reliability with no overseas routing
Singapore-regulated banking standards end-to-end
A smoother landlord experience, since they receive rent exactly the way they expect — as a standard FAST bank transfer
Rently ensures tenants and landlords enjoy a familiar, trusted, and highly secure monthly payment experience.
4. The Best Airline Credit Cards in Singapore for Rent Payments
If you want to pay rent and earn miles in Singapore, choosing the right credit card is essential.
Below are popular cards among miles collectors:
4.1 Singapore Airlines-Focused Cards
DBS Altitude Visa
1.2 mpd (local spend)
Good for general miles accumulation
UOB PRVI Miles (Visa/Mastercard)
1.4 mpd (local spend)
Strong earn rate
Citi PremierMiles
1.2 mpd
Long-lasting miles (never expire after transfer)
4.2 Flexible Points Cards (More Valuable)
These cards allow transfers to multiple airlines and sometimes offer better value.
HSBC TravelOne
1.2 mpd
Instant miles transfer
Citi Rewards (via PayAll / specific promotions)
4 mpd (limited circumstances)
Needs careful use due to MCC restrictions
American Express cards (selected)
Good for bonus categories
Broad airline transfer options
4.3 Premium Travel Cards for Frequent Flyers
American Express Platinum Charge
Broadest airline transfer network
Great for high-income expats
OCBC Voyage
Redeemable directly for flights
Ideal for flexibility
5. How Many Miles Can You Earn From Your Rent? (Miles Calculator Logic)
When you pay rent through Rently, you earn two different types of rewards depending on your chosen payment method:
Credit card miles/points (if using a miles card)
Max Miles (earned on both credit card and eGIRO payments)
These two currencies are distinct, and each has its own transfer partners.
This means the total value you earn each month comes from a combination of both rewards — not from merging them into a single currency.
Here’s how to calculate your total rewards potential.
Step 1: Calculate Credit Card Miles (if paying rent using a miles card)
Credit card miles depend on your card’s earn rate.
Formula:
Rent amount × miles per dollar (mpd) = Credit card miles earned
Example:
$3,000 rent × 1.2 mpd = 3,600 miles
(These miles will be earned in your bank’s miles programme and are usually convertible into one main airline programme, e.g., KrisFlyer.)
Step 2: Add Max Miles Earned Through Rently
Max Miles are a separate, flexible rewards currency earned on every rent payment with Rently.
Max Miles can later be converted 1:1 into more than 30 airline and hotel loyalty programmes, such as:
Qatar Airways Privilege Club
United MileagePlus
British Airways Executive Club
Flying Blue
Qantas Frequent Flyer
Virgin Red
And major hotel chains like Marriott, Hyatt, and IHG
Because Max Miles convert into multiple loyalty programmes, they expand your redemption options far beyond Singapore-based programmes.
Example (illustrative):
$3,000 rent → +300 Max Miles
Step 3: Add Any Bonus Miles (Optional)
This includes:
Credit card sign-up bonuses
Seasonal bank promotions
Bonus earn rates triggered by hitting minimum spend thresholds
Rently-specific rewards campaigns
These bonuses can significantly boost your rewards, especially in the first few months of using a new credit card.
Putting It All Together (Example Scenario)
Let’s illustrate how these separate rewards add up:
Monthly rent: $3,000
Credit card earn rate: 1.2 mpd
Rently Max Miles: 300 Max Miles (illustrative)
You earn two separate balances:
3,600 credit card miles (e.g., KrisFlyer miles or bank points convertible into KrisFlyer)
300 Max Miles (convertible 1:1 to any of 30+ travel programmes)
These two balances stay separate but can collectively increase your total redemption power.
What 1 Year of Rent Could Earn You
Credit card miles:
3,600 miles × 12 months = 43,200 miles
Max Miles:
300 Max Miles × 12 months = 3,600 Max Miles
Combined redemption power:
A year of rent could give you:
A round-trip to Seoul
Several regional flights
A one-way long-haul business class redemption (depending on programme + top-ups)
Or high-value hotel redemptions (Hyatt, Marriott, IHG)
This is before factoring in sign-up bonuses, which can easily add 10,000–30,000 miles in the first few months.
Why Keeping Credit Card Miles and Max Miles Separate Is Powerful
Because the two currencies don’t merge, tenants enjoy three major advantages:
1. More flexibility in flight programmes
Credit card miles often lock you into one programme (e.g., KrisFlyer).
Max Miles unlock 30+ other airlines.
2. Hedge against devaluations
If one programme inflates its prices, you can redeem via a different one.
3. Optimise for the best deal each time
Maybe KrisFlyer is ideal for short-haul, but Qatar Privilege Club is better for long-haul.
Max Miles gives you that choice.
6. How to Convert Rent Into Miles with Rently
Here’s how tenants can earn miles from rent in Singapore:
Create a Rently account
Upload your tenancy agreement
Add your landlord’s Singapore bank details
Choose credit card or eGIRO
Pay your rent online through Rently
Earn credit card miles + Max Miles, or Max Miles via eGIRO every time you pay rent
Your landlord receives the rent via a regular FAST transfer.
Nothing changes for them — everything changes for you.
7. Who Benefits the Most From Paying Rent to Earn Miles?
Tenants who get the highest value include:
Frequent travellers
Expat professionals
Tenants planning long-haul or business-class trips
Miles hobbyists
Credit card optimisers
Tenants seeking rewards without needing a card (via eGIRO)
If you travel even once a year, rent-for-miles is one of the fastest ways to accelerate your balance.
Conclusion: Turn Your Rent Into Free Flights
Earning miles from rent used to be impossible in Singapore — but now it’s one of the easiest and most reliable ways to grow your miles balance.
With paying rent with Rently, tenants can:
Earn miles using their preferred credit card
Earn additional Max Miles
Earn miles even on eGIRO — something no other platform offers
Pay landlords via bank transfer with no extra steps
Convert monthly rent into real travel rewards
Your rent is already your biggest monthly expense. It should work harder for you.
Calculate Your Potential Miles Earnings
See how many miles you could earn each month — and how fast your rent could take you to your next flight.
↗️ Use Rently to calculate your potential miles earnings today.
