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Old Apr 28, 15, 11:24 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: The 'Best credit cards for KF miles accrual' master thread
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Last edit by: Awesom Andy
Quote:
Originally Posted by aster View Post
I'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)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============

1. UOB PRVI Miles MC/AMEX (MASTERCARD RECENTLY INTRODUCED)

MC:
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: Earn 1.6 miles for every $1 spent (every $5 gives 8 miles). Earn 2.5 miles for every $1 spent OVERSEAS.

From 15 May 2015, the earn rate will be 1.4 miles for every $1 spent (every $5 gives 7 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).

Requirements: min. income $80,000.
Cost: First year free, then $406.60 (MC) or $256.80 (Amex) 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.

Pros: Best mileage accrual rates for both local & overseas spend. 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...visa_card.html



Mileage accrual: Earn a MASSIVE 4 miles for every $1 spent using VISA Paywave contactless payments (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 (every $5 gives 1 UNI$ which equal 2 miles).

WARNING: from Jan 1st, 2015, earning 4 miles/$ is limited to the first $12,000 spent during the entire calendar year (via Paywave and online).

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. A full list of merchants where Paywave 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. Unsure of any annual fee waiver conditions.
Miles conversion fee: $25 per conversion.

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. ANZ Travel Visa

http://www.anz.com/singapore/en/Pers...s/travel-card/



Mileage accrual: Earn 1.4 miles for every $1 spent (every $0.72 gives 1 mile). IMPORTANT: The entire charge is multiplied by 1.4 miles, including cents. 10,000 bonus miles for each annual membership renewal.

PROMOTION: EARN 2.8 miles/$ for direct flight bookings with Qantas and Jetstar airlines or retail spend in Australia and New Zealand.

Requirements: min. income $60,000 ($90,000 for foreigners).
Cost: First year free, then $200 for main and $100 for supplementary. Unsure of any annual fee waiver conditions.
Miles conversion fee: $25 per conversion.

Pros: Decent card for local spend. Charge >S$1,500 every 30 days and get a free limo ride to airport. Transfer in blocks of 2,000 miles.
Cons: No internet banking. Points are valid for 5 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).

4. Citi PremierMiles Visa

http://www.citibank.com.sg/gcb/credi...s/cc_xx_pm.htm
http://www.citibank.com.sg/global_do...iles/index.htm



Mileage accrual: Earn 1.2 miles for every $1 spent (every $0.83 gives 1 mile). Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.

Requirements: min. income $60,000. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000 miles renewal bonus.
Miles conversion fee: $25 per conversion.

Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal and spend >$50,000.
Cons: None except for local spend at only 1.2 miles/$.

5. 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: $42.80 annually for unlimited conversions.

Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' multiplied by 3, divided by 5. Round down to nearest whole number. Each DBS point = 2 miles). Occasional bonus points promos, like the one during October-December where tickets purchases on Singapore Airlines, SilkAir, Cathay Pacific, Thai Airways and United Airlines (for travel anytime) generated 4 miles for every $1 spent! 10,000 miles renewal bonus if and only if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (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).

6. Maybank Horizon Platinum Visa

http://info.maybank2u.com.sg/persona...visa-card.aspx



Mileage accrual: Earn 2 miles for every $1 spent on air tickets, perfumes & cosmetics purchased at Changi, and all overseas spend.

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: free.

Pros: Great for ticket purchases and overseas spend.
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. Need to transfer in blocks of 1250 points = 500 miles to transfer.

7. Singapore Airlines KrisFlyer Ascend AMEX

https://www.americanexpress.com/sg/s...nd-credit-card



Mileage accrual: Earn 1 mile for every $1.20 spent (every $1 gives 0.83 mile). Double miles for tickets bought at singaporeair.com for outbound departure from Singapore (offer does not apply to SilkAir).

Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free for online application before 31 July 2013, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Unsure of any annual fee waiver conditions.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.

Pros: None, except for a 5,000 miles sign-up bonus and other welcome/temporary offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts, bonus 2x mileage earning rate for first 3 months).
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. Poor mileage accrual rate after first 3 months. AMEX not always accepted by merchants.

============

Please pitch in with info about any other cards that could be of interest to us miles earners.




CITIBANK AND EXPEDIA PROMOTION
Inclusion list for Airlines:
  • Air France
  • Air India LTD.
  • Finnair
  • Eva Airways
  • Air China
  • Cathay Pacific
  • China Southern Airlines
  • Ethiopian Airlines
  • Garuda Indonesia
  • Transasia Airways
  • Gulf Air, Air Astana
  • Korean Air
  • KLM Royal Dutch Airlines
  • Latam Airlines Group
  • Malaysia Airlines
  • SilkAir
  • Air Mauritius
  • China Eastern Airlines
  • Air Macau Company
  • Bangkok Airways
  • Philippine Airlines
  • Air Niugini
  • Qatar Airways
  • Lao Airlines
  • Singapore Airlines
  • Turkish Airlines
  • Thai Airways Intl
  • Vietnam Airlines

The additional Citi dollars or Citi Miles or cash back will be credited to the customer's credit card account latest by:
  • Dec 31 2014 for all qualifying charges made at Expedia from Aug 1 to Oct 31 2014;
  • Mar 31 2015 for all qualifying charges made at Expedia from Nov 1 to Jan 31 2015;
  • Jun 30 2015 for all qualifying charges made at Expedia from Feb 1 to Apr 30 2015;
  • Sep 30 2015 for all qualifying charges made at Expedia from May 1 to Jul 31 2015;



CITIBANK AND AGODA PROMOTION

CITIBANK AND KALIGO

UOB AND EXPEDIA PROMOTION

ALWAYS READ AND UNDERSTAND THE TERMS & CONDITIONS BEFORE YOU BOOK.


ANZ Travel Card Veloce Lounge directory
Reduction of Lounges in SIN and no more access in KUL and DPS.


American Express« Singapore Airlines KrisFlyer Ascend Credit Card
COMPLIMENTARY NIGHTĺS STAY WITH PARTICIPATING MILLENNIUM HOTELS AND RESORTS
TERMS & CONDITIONS


Number of credit card transactions the Airline charges when booking for multiple pax in same itinerary
TZ: 1
AY: # pax
EY: 1
VN: # pax
AA online booking: # pax
AA via Expedia: # pax
9W via Zuji: # pax
PR via Travelocity: # pax
CX online booking: 1
CX phone booking: # pax
3K online booking: 1
MH via Expedia: 1
AI online booking: 1
SQ online booking: 1
SQ phone booking: # pax
KE online booking: # pax

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Old Apr 25, 10, 2:52 am   #16
 
Join Date: Jun 2008
Location: SIN
Programs: QPP, LH Senator, SPG Platinum, PC Platinum, Hilton Diamond, Hyatt Platinum
Posts: 84
Quote:
Originally Posted by SingaporeDon View Post
Great thread, Aster!

Please change Citi PremierMiles Visa mileage accrual to "1 mile for .83 cents" to make it easy to compare with the way you have listed other credit cards accrual rates.

Also, may be useful to add details about how points expire. I know that the DBS Treasures Black Amex card points expire on a particular date every year, so you are supposed to transfer before that date, including the miles earned in the last month before the expiry date, even though you may not even know how much you have earned in that last month by the time the deadline come!. Luckily, they normally give you one month grace to move the points to airline frequent flyer miles

By the way, I have found this card, with double points for overseas spend (1 mile for S$ 0.42 = US$0.30 cent spend one of the best ways to accrue Krisflyer miles, inspite of teh FX charge that AMEX will add to foreing spend
The earn rate for Citi PremierMiles is not exactly S$0.83 = 1mile even though it is S$1 = 1.2miles. I am using the PremierMiles card, every transaction is rounded DOWN to the nearest dollar, and every S$1 earns 1.2 miles. All transactions that are installment-plan will not earn you any miles. The Citi Miles do not expire if you do not transfer out to any of the 4 FFP (SQ, TG, DL, CX).
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Old Apr 25, 10, 5:54 am   #17
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
Yeah, I thought they'd do that.

That's why I put the exact amount in parenthesis (1.2 miles for every $1). Same thing with the DBS Altitude AMEX, it's roughly 83 cents/mile but in parenthesis the exact wording is used: 6 miles for every $5 spent. They also round down, so if you spend $9.99 it's the same as spending $5 in terms of mileage accrual.

Or maybe I should do it the other way around and write: 1.2 miles for every $1 spent, rounded down to nearest dollar (approx. 1 mile for every $0.83)

Last edited by aster; Apr 25, 10 at 6:00 am.
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Old Apr 25, 10, 7:51 pm   #18
 
Join Date: Apr 2010
Posts: 82
do dbs and citibank charges fees for conversion?

how about including the fees for frequent flyer programs with the different banks?

i know that there is no charge for maybank horizon card.
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Old Apr 26, 10, 12:52 am   #19
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
Quote:
Originally Posted by aster View Post
Updates:

- points/miles conversion fees added for ALL cards
- Singapore Airlines KrisFlyer Gold AMEX added, including explanation of all the bonuses and example of max miles for ticket purchase
- as per SingaporeDon's request, Citi PremierMiles Visa mileage accrual now listed as: 1 mile for every $0.83 spent (every $1 gives 1.2 miles)
- notice in CAPS above card list about all values posted being in SGD
Fumo, you must have missed my post from the previous page. All this has already been done.
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Old Apr 26, 10, 3:53 am   #20
 
Join Date: Jul 2006
Location: SIN / HAK / HKG / NYC / SZX
Programs: UA 1K, SQ KF Gold, DL, AA, IHG RC Plat RA, Marriott Gold, HHonors Gold, Hyatt GP, SPG
Posts: 618
Thanks aster for spearheading this list. It is not an easy task as almost every credit card issued in Singapore has the option to convert to KF miles. Some have rather complicated T&Cs.

Here are some suggestions to include:

1) In the Pro/Con, list those "forced" conversion of points to miles (ie KF Amex Gold every month auto convert/tranf to KF account thus miles will expire in 3yrs, etc)

2) List the minimum "block" of points to convert from points to miles (ie UOB minimun is UNI$5,000, etc)

3) Promotions <this will need to be updated (and archived for future reference ??> (ie UOB Privi Amex just started a 10x UNI$ for 3 months, etc)

Btw, MayBank has a maximum 999,999 Points to be held in the account at any one time. Which means, if your account has a balance of 999,999 points, all future transactions would not earn any more points. Remedy is to transfer out the points.

Also, to include UOB Privi Amex credit card. This is rather complicated with their annual bonuses as well as loyalty bonuses (10% every year to a max of 40%)

Good luck!
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Old Apr 26, 10, 8:50 am   #21
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
Thanks. At first I was going to just include info that would be part of the decision-making process, where the amount of miles per $ spent is probably the #1 factor.

I even thought about ditching the card cost info as it isn't really a major factor, I mean whether the card costs $120 or $180... people are still going to go for the one that gives them the best rate of return in terms of mileage accrual.

As part of the "conversion cost" info I can add if forced conversions take place & the chunks in which points are converted.

I looked at the UOB card months ago but it seemed like a poor offer compared to the other cards out there. So far I've only added cards which are either the top ones in general or at least in a specific area, the sole exception being the official KrisFlyer one which does not appear to be better in any way.
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Old May 11, 10, 5:19 am   #22
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
UOB and OCBC are unfortunately still not in the mileage game in any serious way, so no cards being added from them.

DBS just improved it's offer for their Altitude AMEX card which is already one of the best CCs on the market:

http://www.dbs.com/sg/personal/cards...s/default.aspx

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Old May 11, 10, 6:39 am   #23
 
Join Date: Jul 2004
Posts: 323
For the Australian market, here's the card I use:

http://info.westpac.com.au/singapore...mBenefits.aspx

Quote:
20,000 KrisFlyer miles received after your first purchase using either of your cards


On your Singapore Airlines Westpac American Express« Card, earn:

1.5 KrisFlyer miles for every $1 spent on purchases


On your Singapore Airlines Westpac Visa Card, earn:

1.5 KrisFlyer miles for every $1 spent on purchases with merchants located outside of Australia

1 KrisFlyer mile for every $1 spent on purchases with merchants located within Australia

$125 annual fee for the first year (usually $250)

It's a great card. When the first started it they had a double points promo on for the AMEX for the first several months, so 3 points per $1 AUD.
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Old May 11, 10, 10:54 am   #24
 
Join Date: May 2003
Location: Singapore
Programs: QF LTG, SQ EGTP, MH Silver, SPG Gold
Posts: 2,612
Quote:
Originally Posted by aster View Post
I'4. Citi Platinum Visa/MasterCard

Mileage accrual: 1 mile for every $0.50 spent (every $5 gives 5 Citi Dollars which equal 10 miles) at supermarkets (Carrefour . Cold Storage . Giant . Market Place . NTUC Fair Price . Shop N Save . Singapore Meidi-Ya) and department stores (Tangs . Isetan . John Little . Marks & Spencer . Metro . OG . Robinsons . BHG . Takashimaya Department Store).

1 mile for every $2.50 spent elsewhere.

Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $150 for main and $80 for supplementary. Annual fee waiver if you charge $15,000 or more per year, BUT applicable to main card only.
Miles conversion fee: $25 per conversion.

Pros: Great for shopping at supermarkets and department stores.
Cons: Great ONLY for shopping at supermarkets and department stores. Points might be allocated on every $5 spent, rounded down to next $5 (someone please confirm).
Variation on this is the Citibank Clear Platinum, instead of getting 1 mile for every $0.50 spend at supermarkets etc, you that earn at nightspots, cinemas, cafes, books & music stores and selected retail outlets. Plus you earn 1 mile for every $0.50 if you have ezi-link on direct debit, which therefore means you can earn that rate at cold storage/marketplace/giant supermarkets by tapping your ezilink card as well.

Big downside is lack of transparency around definition of nightspots and cafes (spend a night with colleagues at oosh bar, I put on my cc and came through at the paltry rate of 1 mile for $2.50, had I known that would have used my Premier Miles card)
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Old May 27, 10, 2:10 am   #25
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
Just thought I'd add a recent experience with DBS Altitude AMEX:

When you decide to convert your earned DBS points to miles (you can do so over the phone via the automated system) the general policy is that it will take up to 3 weeks to process the transfer.

I tried it and in my case it took... one day.

Also, points on the card no longer expire every year. The policy has changed this month and now the points will never expire as long as the card is maintained.
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Old May 27, 10, 10:41 am   #26
 
Join Date: Sep 2005
Location: SIN
Programs: SQ, UA, Delta, BMI(RIP), SPG Plat, Hyatt Gold, Hilton Silver, Marriott Gold, Amex Platinum
Posts: 1,483
Quote:
Originally Posted by aster View Post
Just thought I'd add a recent experience with DBS Altitude AMEX:

Also, points on the card no longer expire every year. The policy has changed this month and now the points will never expire as long as the card is maintained.
I see that they have not changed the expiry rule for DBS Treasure's Black Amex. NOW CHANGED, SO THAT DBS TREASURE'S BLACK AMEX CARD POINTS DO NOT EXPIRE AS LONG AS YOU KEEP THE CARD. THANK YOU DBS!!!That would have real good news to park miles with Amex until you need then in Krisflyer, given Krisflyer's three year expiry rule. Hopefully since they changed the expiry rule for DBS Altitude AMEX, they might do the same for the Black AMEX soon!

Last edited by SingaporeDon; Aug 2, 10 at 6:50 am.
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Old May 27, 10, 1:01 pm   #27
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
Any reason you have the Black card? I mean the Altitude one is way better for accruing miles as they now give 4x DBS points (8 miles) for every S$5 spent above S$1,000.

I looked at all the cards when choosing mine and the black one never stood out as attractive compared to Altitude AMEX.
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Old May 28, 10, 7:26 pm   #28
 
Join Date: Sep 2003
Location: Sydney, NSW
Programs: QFF Gold, SQ Krisflyer
Posts: 290
Quote:
Originally Posted by uproared View Post
For the Australian market, here's the card I use:

http://info.westpac.com.au/singapore...mBenefits.aspx



It's a great card. When the first started it they had a double points promo on for the AMEX for the first several months, so 3 points per $1 AUD.
3 'miles' per aud1 spent?
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Old May 29, 10, 10:10 am   #29
 
Join Date: Sep 2005
Location: SIN
Programs: SQ, UA, Delta, BMI(RIP), SPG Plat, Hyatt Gold, Hilton Silver, Marriott Gold, Amex Platinum
Posts: 1,483
Quote:
Originally Posted by aster View Post
Any reason you have the Black card? I mean the Altitude one is way better for accruing miles as they now give 4x DBS points (8 miles) for every S$5 spent above S$1,000.

I looked at all the cards when choosing mine and the black one never stood out as attractive compared to Altitude AMEX.
I must confess I had missed the 4X DBS points (instead of 3x before) for spend in excess of $1k spend each month. I guess I should get the Altitude card. Although I do a lot of overseas spend, and I see that the Black Treasure's Amex gives me double miles for overseas spend (6X DBS points), but Altitude does not.

I guess for local spend Altitude makes more sense, for overseas spend, the Black Amex is better.

Still cant find a good visa/mastercard for SQ Krisflyer accrual. The Citibank one looks like the best bet. May be I will get that and the Altitude card after the summer holidays.

Last edited by SingaporeDon; May 29, 10 at 10:37 am.
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Old May 30, 10, 3:27 am   #30
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Sydney
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Swiss˘tel Circle ElevÓ
Posts: 4,625
DBS should allow you to have both Black and Altitude cards, which would be ideal for overseas vs local spend.

As for MC/Visa, it's Citibank all the way.

P.S. I'm surprised at how OCBC and UOB aren't offering a decent card for mileage accrual. Maybe one day...
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