OCBC Titanium Rewards Card (No Annual Fee Miles)

OCBC HK's Titanium Rewards card offers 10X OCBC$ (equivalent to 4% rebate convertible to miles) on retail and overseas spending with zero annual fee for the first two years — competitive with paid premium cards in the miles earn-rate comparison. Points transfer to KrisFlyer with no transfer fee and never expire. For fee-averse miles beginners, this offers a sustainable, cost-free entry into the miles ecosystem with a genuine path to Business Class redemptions via the Singapore Airlines award chart.