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Oct 31, 2014, 6:05 am by lifeonthego_kI'm going to update this first post as more info flows in to create a 'master list' of all credit cards that offer a decent way of accruing miles - so please help out!
If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.
***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
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In no particular order (apart from personal preference in terms of good-mileage opportunities):
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1. UOB PRVI Miles VISA, MasterCard, AMEX
VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/
Mileage accrual:
The earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).
Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name/FIN Number/NRIC together for all UOB cards which earn UNI$.
Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
2. UOB Preferred Platinum Visa
http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html
Mileage accrual: Earn 4 miles for every $1 spent using ONLY MOBILE CONTACTLESS every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments AND ORPHAN SPEND DUE TO $5 ROUNDING OR EXCEEDING THE BONUS U$2000 SPEND (every $5 gives 1 UNI$ which equal 2 miles).
Earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Mobile Contactless). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 transaction. ($1110/5)x9=1998UNI$, hence the last S$5 transaction will earn 2 bonus UNI$. The total bonus UNI$ awarded to you from qualifying spend on Selected Online Transactions and Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month. THE CAP IS ON THE 9 UNI$ BONUS NOT 10UNI$ TOTAL YOU GET WITH BASE OF U$1 PER $ SPEND
Keep in mind that some merchants offer different, non-mileage accruing awards with UOB cards which are called SMART$. Some popular merchants include Cold Storage, Guardian and Giant Supermarket, ToastBox and Starbucks. A full list of merchants where Mobile contactless transactions will NOT earn miles can be found here: http://www.uob.com.sg/personal/cards...smartclub.html
Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $192.60 for main and $96.30 for supplementary. Annual fee waived off easily.
Miles conversion fee: $25 per conversion, in blocks of 5000 UNI$=10,000 miles. UNI$ are combined in 1 cardholder's name for all UOB cards.
Pros: Incredible mileage accrual rates for Paywave transactions (not all merchants - some give SMART$ instead which are different rewards!) as well as internet transactions (some restrictions apply).
Cons: Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
3. Citi PremierMiles MasterCard
https://www.citibank.com.sg/credit-cards/travel/premiermiles-card/?ecid=PSGONSGCCAENPM
Mileage accrual: Earn 1.2 miles for every $1 spent. Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.
Requirements: min. income $50,000 for VISA. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000renewal bonus.
Miles conversion fee: $25 per conversion.
Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal. 11 frequent flyer programs & 3 hotel programs to choose from, including EVA Air - only 25,000 miles for 1 way Business Class within Asia!!
Cons: No miles awarded for EZ-Link & Transitlink transactions. Miles awarded per S$1. Cents not included. 1.2 miles/S$1. Transfer in blocks of 10,000 miles.
4. DBS Altitude VISA/AMEX
http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx
Mileage accrual: Earn 1.2 miles for every $1 spent (every $5 gives 3 DBS points which equal 6 miles). Earn 2 miles for every $1 spent OVERSEAS.
Requirements: min. income $80,000.
Cost: First year free, then $180 for main and $90 for supplementary. Annual fee waiver if you charge $25,000 or more in a year.
Miles conversion fee: S$26.75 per transfer, redeem 1700 DBS points to waive off.
Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 3, after that round down to nearest whole number. Minimum spend is S$1.67. Each DBS point = 2 miles). Earn 3 miles per S$1 spent on all online Flight and Hotel transactions (capped at S$5,000 per month). 10,000 miles renewal bonus if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (since Dec 1, 2013). AMEX not always accepted by merchants. Transfer in blocks of 5000 DBS points = 10,000 miles (on the plus side points don't expire). Per transfer of S$26.75, redeem 1700 DBS points to waive off.
5. Maybank Horizon Platinum Visa
http://info.maybank2u.com.sg/persona...visa-card.aspx
Earn 3.2 air miles (8X TREATS Points) with every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) with every dollar spent on air tickets, travel packages and foreign currency transactions, with a minimal S$300 in a calendar month
Earn 0.4 mile for every $1 spent elsewhere (1 mile for every $2.50 spent).
Requirements: min. income $30,000 ($80,000 for foreigners).
Cost: $150 for main, supplementary always free. Unsure of any annual fee waiver conditions.
Miles conversion fee: In blocks of 5,000 points to 2000 Asia Miles or KrisFlyer. S$26.75 fee applies.
Pros: Great for ticket purchases and overseas spend. Complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card 3 months prior to the date of travel.
Cons: Great ONLY for ticket purchases and overseas spend. Points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member.
6. Singapore Airlines KrisFlyer Ascend AMEX
https://www.americanexpress.com/sg/s...nd-credit-card
Mileage accrual: Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Annual fee cannot be waived unless you spend alot.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.
Pros: None, except for welcome offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts).
Cons: Simply nothing special - there are better cards available for all types of purchases, including flight tickets, even with all of the bonuses above applied. AMEX not always accepted by merchants.
7. Citibank Rewards Card
http://www.citibank.com.sg/gcb/credi...CACRENCCHOCALM
Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites, including SingTel & M1 online bill payment!
Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.
Cons: Points awarded per S$1 spend. Cents not included. Cannot combined Thank You Points across cards.
8. DBS Woman's World MasterCard® Card
http://www.dbs.com.sg/personal/cards...astercard-card
10X Rewards for Online Retail Purchases
T&C Here: https://www.dbs.com.sg/iwov-resource...s_card_tnc.pdf
Pros: Men also can get this card!! DBS points are combined in 1 cardholder's name. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 10, after that round down to nearest whole number. Minimum spend is S$1. Each DBS point = 2 miles).
Cons: DBS points are valid for 1 year based on card anniversary date. The additional 9X DBS Points for online retail spend in a calendar month will be awarded on the 16th of the next calendar month. If the above days are not working days, the Points will be awarded on the next working day. The additional 9X DBS Points are only applicable to the first S$2,000 online retail spend every calendar month.
9. OCBC Titanium Rewards Card
https://www.ocbc.com/personal-bankin...astercard.html
10x OCBC$ on your shopping Local & Overseas Shopping Transactions, Local & Overseas Department Store Transactions and Local & Overseas Online Transactions.
The remaining 9 OCBC$ will be posted to the Card Account by the end of the next calendar month
https://www.ocbc.com/assets/pdf/card...ons.pdf?rand=1
10,000 KrisFlyer miles requires OCBC$ 25000, For each conversion of OCBC$ to KrisFlyer miles a fee of S$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
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#6571
Quote:
*TRAVEL RESERVATION SIN PARIS FR
and there don't seems to be any miles posted :-/
It usually takes a few days to finalize the payment and merchant. So check later on the merchant and $$$ posting.Originally Posted by sandyph
hm, in my card it is posted as*TRAVEL RESERVATION SIN PARIS FR
and there don't seems to be any miles posted :-/
Quote:
or will they check the account name (you can use your spouse account) ?
Don't think it's a free for all payment. The website mentioned that they only allow certain payments (insurance, condo maintenance fees, etc).Originally Posted by sandyph
one question, so technically you can pay yourself (put in your bank account as the payee) ?or will they check the account name (you can use your spouse account) ?
#6573
Quote:
you're right, it have been posted now Originally Posted by lcpteck
It usually takes a few days to finalize the payment and merchant. So check later on the merchant and $$$ posting.
05/01/2017 CITI PREMIERMILES Miles earned 1,933
05/01/2017 EXPEDIA ACCELERATED MILES PMV LOCAL Miles bonus 7,733
not a bad deal considering I'm paying the same fare as the garuda website
Quote:
I was thinking that even with fee 2.6% it would be like buying miles ?Originally Posted by shuigao
Don't think it's a free for all payment. The website mentioned that they only allow certain payments (insurance, condo maintenance fees, etc).
let say you transfer $4000 with PPV, you will get 16000 miles for $104 which is better than most cards annual fee miles?
#6574
Have asked about the CardUp questions and included the responses below.
Quote:
All banks consider CardUp as online transactions but whether or not the bonus is applied varies by issuer. The HSBC bonus is a promotion running until March and unfortunately CardUp isn’t currently included (although further discussions are underway). For details on specific cards they can feel free to get in touch: [email protected] Originally Posted by vade
Any chance you can check with your friend if they know HSBC counts them as online spend?
Quote:
or will they check the account name (you can use your spouse account) ?
For payments to individuals, supporting documentation is required and checks are in place. In the case of a rental payment this is the tenancy agreement page containing landlord name / bank account.Originally Posted by sandyph
one question, so technically you can pay yourself (put in your bank account as the payee) ?or will they check the account name (you can use your spouse account) ?
#6575
carrotjuice , Jan 5, 2017 5:03 am
Quote:
Cue wife who rents main residence from husband, and husband who rents weekend home from wife. Originally Posted by Aeran
For payments to individuals, supporting documentation is required and checks are in place. In the case of a rental payment this is the tenancy agreement page containing landlord name / bank account.
#6576
percysmith , Jan 5, 2017 6:02 am
Ambassador, Hong Kong and Macau
Quote:
We had something similar going on in HK but eventually the banks figured out what we were doing and ended up (only mentioning banks with presence in both HK and Singapore):Originally Posted by Aeran
1. Some banks count the spend as online: The UOB PPV currently gives 4 miles / S$ and OCBC cards also count as online spend. However, DBS does not count it as online. Hope the banks don't change this as others have mentioned...
HSBC: basic earn rate only. Not counted for spend promos (disputed)
SCB: suddenly no points and excluded from promo starting from April
DBS: counted as retail spend but not online
Citi: counted as retail spend. Not sure if included in promo.
Quote:
I was thinking about the same. Tenancy agreement bear the name of wife, and husband is the one to rent.Originally Posted by carrotjuice
Cue wife who rents main residence from husband, and husband who rents weekend home from wife.
#6579
Does anyone have experiences in the Expedia promotion with 6x miles being able to double dip with Expedia+?
Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.
Can anyone confirm this?
Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.
Can anyone confirm this?
Quote:
• ANZ Travel Privileges Promotion: Complimentary DragonPass Lounge Access Passes and Airport Limousine vouchers will only be awarded to Principal Cardmembers of the ANZ Travel Visa Signature Credit Card and ANZ Signature Priority Visa Infinite Credit Card and is valid from 15 December 2016 to 31 March 2017 • To qualify for two (2) complimentary passes and one (1) limousine voucher, Travel Cardmembers must charge a minimum of $7,000 on retail transactions in a calendar quarter and/or SPB VI Cardmembers must charge a minimum of $3,000 on retail transactions in a calendar month.
It is not stated that the spending must be within the promo period, so maybe Oct-Dec spending could be included as well?
Originally Posted by ycp81
Terms and Conditions• ANZ Travel Privileges Promotion: Complimentary DragonPass Lounge Access Passes and Airport Limousine vouchers will only be awarded to Principal Cardmembers of the ANZ Travel Visa Signature Credit Card and ANZ Signature Priority Visa Infinite Credit Card and is valid from 15 December 2016 to 31 March 2017 • To qualify for two (2) complimentary passes and one (1) limousine voucher, Travel Cardmembers must charge a minimum of $7,000 on retail transactions in a calendar quarter and/or SPB VI Cardmembers must charge a minimum of $3,000 on retail transactions in a calendar month.
It is not stated that the spending must be within the promo period, so maybe Oct-Dec spending could be included as well?
Confirmed that the Oct-Dec spending is included as well. Just redeemed my limo ride.
#6581
Quote:
Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.
Can anyone confirm this?
i tick that, and have been getting points on both Originally Posted by qsharp
Does anyone have experiences in the Expedia promotion with 6x miles being able to double dip with Expedia+?Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.
Can anyone confirm this?
#6582
Quote:
Oh man... I have lost so much on this by being too afraid to try it out...Originally Posted by jagmeets
i tick that, and have been getting points on both
Thanks for the confirmation mate!
For.the citi expedia promo link, i tried and realised there's no option to key in promo code whereas i was able to when i use the cashback/direct expedia link. Ended up i use shopback plus promo code and dbs wmc.
#6584
Quote:
HSBC: basic earn rate only. Not counted for spend promos (disputed)
SCB: suddenly no points and excluded from promo starting from April
DBS: counted as retail spend but not online
Citi: counted as retail spend. Not sure if included in promo.
Unfortunately that seems to be the trend once an effective new method gets too popular Originally Posted by percysmith
We had something similar going on in HK but eventually the banks figured out what we were doing and ended up (only mentioning banks with presence in both HK and Singapore):HSBC: basic earn rate only. Not counted for spend promos (disputed)
SCB: suddenly no points and excluded from promo starting from April
DBS: counted as retail spend but not online
Citi: counted as retail spend. Not sure if included in promo.
In the meantime, I've received an update that DBS WWMC is now giving 10x bonus for 4 miles / S$ on CardUp. Let's hope it lasts, I foresee a lot of spousal rental arrangements coming up
#6585
carrotjuice , Jan 6, 2017 6:59 pm
Quote:
In all honestly, I don't. Because there's stamp duty on the rental agreement and the spouse receiving the rent is taxed. Add to the 2.6% commission of these sites, the cost isn't worth the 4 miles per S$1.Originally Posted by Aeran
I foresee a lot of spousal rental arrangements coming up