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The 'Best credit cards for KF miles accrual' master thread

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Old Oct 31, 2014, 6:05 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: lifeonthego_k
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)***
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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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The 'Best credit cards for KF miles accrual' master thread

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Old May 21, 2015, 9:17 pm
  #4261  
 
Join Date: May 2004
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Thanks. I didn't realize that Uber even when used in SIN comes in as overseas transaction as I just saw that I was charged in SGD ultimately. Would that mean if one uses say Citi PM or DBS Altitude the transaction would qualify for 2mls per dollar?
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Old May 21, 2015, 11:32 pm
  #4262  
 
Join Date: Mar 2015
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Originally Posted by demue
Citi PM
Citi PM defines Local/Foreign by currency rather than geographic location:

https://www.citibank.com.sg/gcb/cred...s/cc_xx_pm.htm "Overseas spending is identified as transactions amount posted in foreign currency only"

In theory if you request multi-currency merchants locally to bill you in USD then you could (should?) get 2 miles per s$1. In reality, I don't know, never tried
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Old May 22, 2015, 6:45 am
  #4263  
 
Join Date: Apr 2007
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Originally Posted by shuigao
In theory if you request multi-currency merchants locally to bill you in USD then you could (should?) get 2 miles per s$1. In reality, I don't know, never tried
How would you do that for Uber? The Singapore app automatically charges in SGD.
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Old May 22, 2015, 7:16 am
  #4264  
 
Join Date: Apr 2012
Posts: 1,727
Originally Posted by Tennet1979
Who did you file the fraud charge with?
DBS does it for me. I blocked the card and they resent a new one and a few weeks later, all the charges by Expedia were refunded
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Old May 22, 2015, 11:56 pm
  #4265  
 
Join Date: May 2012
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Uber in SIN shows my charges in SGD. The charges in the app is exactly as in my banking statement.

Nowadays I usually take UberX or book a regular taxi to the airport.
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Old May 23, 2015, 10:22 am
  #4266  
 
Join Date: May 2004
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Thanks for the info. I guess for the time being I'll have to be content with 1.3mls and 1 Starpoint per equivalent US$ spend when using UberX here in SIN which isn't horrible.
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Old May 23, 2015, 11:14 pm
  #4267  
 
Join Date: Feb 2010
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http://www.uob.com.sg/personal/cards...iles_visa.html

New card launched!

UOB PRVI Miles Visa Card

Choose to pay the Joining Annual Fee of S$256.80 for 15,000^ welcome miles, or simply enjoy 1-year fee waiver on your new card.

^Applicable to successful new card applicants who apply from 24 May - 23 September 2015. The successful card applicant who pays a joining annual fee of $256.80 (inclusive of GST) will receive 15,000 air miles. The air miles will be credited to his/her indicated miles membership account within 4 months after the joining annual fee payment date. An administrative fee of S$25 applies.
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Old May 24, 2015, 1:21 am
  #4268  
 
Join Date: Aug 2003
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Originally Posted by vsepr
http://www.uob.com.sg/personal/cards...iles_visa.html

New card launched!

UOB PRVI Miles Visa Card

Choose to pay the Joining Annual Fee of S$256.80 for 15,000^ welcome miles, or simply enjoy 1-year fee waiver on your new card.

^Applicable to successful new card applicants who apply from 24 May - 23 September 2015. The successful card applicant who pays a joining annual fee of $256.80 (inclusive of GST) will receive 15,000 air miles. The air miles will be credited to his/her indicated miles membership account within 4 months after the joining annual fee payment date. An administrative fee of S$25 applies.
http://www.uob.com.sg/personal/cards...ite/index.html

If you don't have all three cards and wiling to pay annual fees, you can get 45,000 miles for paying S$770.40. The perks are pretty much the same for all 3 cards except AMEX where you can get airport transfer. Also, now they offer 3 miles for every S$1 spent on SIA, SilkAir and KrisShop.
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Old May 24, 2015, 7:10 pm
  #4269  
 
Join Date: Aug 2013
Posts: 92
Originally Posted by vsepr
An administrative fee of S$25 applies.
why is there an 'administrative fee'???
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Old May 24, 2015, 7:22 pm
  #4270  
formerly Fly-Swiss
 
Join Date: Dec 2005
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Programs: SQ
Posts: 878
Originally Posted by qwerty23
why is there an 'administrative fee'???
most cards in SG charge 25.- for the conversion to miles.
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Old May 24, 2015, 7:29 pm
  #4271  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: SQ, LH, BA, IHG Diamond AMB, HH Gold, SLH Indulged, Accor Gold, Hyatt Discoverist
Posts: 7,739
Originally Posted by vsepr
http://www.uob.com.sg/personal/cards...iles_visa.html

New card launched!

UOB PRVI Miles Visa Card

Choose to pay the Joining Annual Fee of S$256.80 for 15,000^ welcome miles, or simply enjoy 1-year fee waiver on your new card.

^Applicable to successful new card applicants who apply from 24 May - 23 September 2015. The successful card applicant who pays a joining annual fee of $256.80 (inclusive of GST) will receive 15,000 air miles. The air miles will be credited to his/her indicated miles membership account within 4 months after the joining annual fee payment date. An administrative fee of S$25 applies.
Interesting. Considering. They just send me an invite for the MasterCard version, but I didn't see anything about 15k mls there so this one is better. Though also thinking about Ascend after over 1 year without any Amex one hopes to be eligible for the promo miles. TBD.
demue is offline  
Old May 24, 2015, 7:44 pm
  #4272  
 
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
Originally Posted by hclee01
45,000 miles for paying S$770.40.
1.7cents sing (1.3cents us) per mile. That's a pretty good deal and I presume most (all?) of us here would gladly pay that ... right?
shuigao is offline  
Old May 24, 2015, 9:52 pm
  #4273  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Am I the only one who doesn't quite see the point for UOB to issue a PRVI Visa card that has the same benefits as the PRVI MC?
carrotjuice is offline  
Old May 24, 2015, 10:04 pm
  #4274  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Originally Posted by shuigao
1.7cents sing (1.3cents us) per mile. That's a pretty good deal and I presume most (all?) of us here would gladly pay that ... right?
Not for me. I can pay international school fees at about 1.23 SGD cents per mile. Even that I normally don't take up because I am not burning them fast enough due to lack of availability for 4 seats generally, and I often worry about impending devaluations...
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Old May 24, 2015, 11:03 pm
  #4275  
 
Join Date: Sep 2005
Location: SIN
Programs: SQ, UA, Delta, BMI(RIP), Marriott Lifetime Titanium, Hilton Diamond (Thanks Amex) Hyatt Discov
Posts: 1,942
Originally Posted by shuigao
1.7cents sing (1.3cents us) per mile. That's a pretty good deal and I presume most (all?) of us here would gladly pay that ... right?
Yes, anything under S$ 2 cents is a no-brainer. You can easily get 4/5 cents value for business/first class redemptions.
SingaporeDon is offline  


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