Oct 31, 2014, 6:05 am
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)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============
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
============
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 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
============
The 'Best credit cards for KF miles accrual' master thread
Jan 10, 2013, 9:13 am
#1021
Join Date: Apr 2007
Location: Anywhere
Posts: 6,575
Not sure if anyone out there has a PPS Amex. Some changes that allow double points now at departments stores, Kris Shop & Tradewinds travel (
). Most significant change is removal of 50% off Krisflyer redemption voucher associated with the card, for renewals from 1 March. I will certainly be discontinuing my PPS Amex card, as this was the one useful feature of the card. Annual fee increased from $150 to $267.50 also because of these "enhancements".
). Most significant change is removal of 50% off Krisflyer redemption voucher associated with the card, for renewals from 1 March. I will certainly be discontinuing my PPS Amex card, as this was the one useful feature of the card. Annual fee increased from $150 to $267.50 also because of these "enhancements".
Jan 10, 2013, 9:42 pm
#1022
Join Date: Jun 2011
Location: Switzerland
Programs: Bonvoy LT Gold, IHG Gold, BAEC Silver, TP Silver
Posts: 1,495
Is the online banking system for checking transactions and everything similar to the DBS one? I'm considering giving it a shot as this is a card that I could keep even if I happen to move to a different country - they are probably the only ones who post such requirements on their site (nobody else even mentions the possibility of a non-resident being able to get a CC).
As for the limo service, this seems like a nice perk to have. Do you just sign off on whatever the meter reads or is it completely off (flat fee arranged by the bank)?
As for the limo service, this seems like a nice perk to have. Do you just sign off on whatever the meter reads or is it completely off (flat fee arranged by the bank)?
As for the limo service, the meter does not move. It's set on some category that will put a "Hired" on top of the car. Nothing to do at all. Just get on the car, ride, get off the car. Nothing to sign or pay. Just book at least 48H in advance I believe.
Jan 11, 2013, 7:46 am
#1023
Join Date: Oct 2011
Posts: 143
I have an account with UOB so I see the transactions there, it's quite straightforward, no frills. Not sure how it works if you don't have an account with UOB...
As for the limo service, the meter does not move. It's set on some category that will put a "Hired" on top of the car. Nothing to do at all. Just get on the car, ride, get off the car. Nothing to sign or pay. Just book at least 48H in advance I believe.
As for the limo service, the meter does not move. It's set on some category that will put a "Hired" on top of the car. Nothing to do at all. Just get on the car, ride, get off the car. Nothing to sign or pay. Just book at least 48H in advance I believe.
Jan 13, 2013, 10:40 am
#1024
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
Jan 14, 2013, 6:29 am
#1025
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
S$1 = 1 point = 2 Krisflyer Miles. (5,000 points redeems 10,000 KF miles)
World Card earns 10x points per S$1.
Platinum Card earns 5x points per S$1.
Last edited by lcpteck; Jan 14, 2013 at 6:45 am
Jan 14, 2013, 7:47 pm
#1026
Join Date: Dec 2010
Location: Singapore
Programs: BW Diamond, SPG Gold, HHonors Gold, Priority Club Plat Ambassador, Club Carlson Gold, M&C Gold
Posts: 313
Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
1) Can male apply? ;p
2) Are purchasing air tickets and booking hotels online considered as online retail purchase?
Anyone to share the experience with the card please?
Thanks!
Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.2) Anything as long as thru online web portals. Even paying bills via Vpost / Starhub, buying gift cards and vouchers.
Note - 10x points only for 1st $2k spend per CALENDAR month.
Jan 14, 2013, 10:25 pm
#1027
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
1) Yes. DBS does not discriminate Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.
2) Anything as long as thru online web portals. Even paying bills via Vpost / Starhub, buying gift cards and vouchers.
Note - 10x points only for 1st $2k spend per CALENDAR month.
Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.2) Anything as long as thru online web portals. Even paying bills via Vpost / Starhub, buying gift cards and vouchers.
Note - 10x points only for 1st $2k spend per CALENDAR month.
Jan 15, 2013, 3:00 am
#1028
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,171
So the best way to apply for CCs is online via internet banking? Will they then contact you if they need you to mail in any supporting documents?
Jan 15, 2013, 7:49 pm
#1029
Join Date: Dec 2010
Location: Singapore
Programs: BW Diamond, SPG Gold, HHonors Gold, Priority Club Plat Ambassador, Club Carlson Gold, M&C Gold
Posts: 313
I believed it took me less than 5 mouse clicks and 1 OTP to apply, saw the card reflected in internet banking the next working day. Card sent in less than a week. Fastest application ever.
Jan 15, 2013, 8:44 pm
#1030
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,171
Thanks, I just looked through the online application process and it seems very easy and streamlined.
Just one question though - how do I get supplementary cards arranged? Preferable I would like to have both done simultaneously so that they have matching expiration dates and all..
Just one question though - how do I get supplementary cards arranged? Preferable I would like to have both done simultaneously so that they have matching expiration dates and all..
Jan 16, 2013, 7:26 am
#1031
Join Date: Dec 2012
Posts: 33
No from my own experience. Unless you do not meet the income requirements maybe? However, I believe if you have the DBS altitude visa, you internet application will be approved almost immediately.
I believed it took me less than 5 mouse clicks and 1 OTP to apply, saw the card reflected in internet banking the next working day. Card sent in less than a week. Fastest application ever.
I believed it took me less than 5 mouse clicks and 1 OTP to apply, saw the card reflected in internet banking the next working day. Card sent in less than a week. Fastest application ever.
I then wrote in and asked and they increased it slightly (to about 2/3 of my Citibank card). Then I wrote in again asking for an increase as it was stated I could get 2-4 times of my monthly income (the limit they gave was less than 1.5 times my monthly).
They replied that from their records that the salary in their records was still the same as years ago and that I would have to submit income documents as proof if I wanted another review.
...!! If they had the service to evaluate from looking at your salary crediting account, why bother with income documents? I pay my bills in full and on time every month, so I'm hardly a credit risk. But they were adamant about it.
I'm going to clearout my miles in the Altitude card then cancel all my accounts with DBS. Really left a sour taste in my mouth. I will continue using my Citibank Premiermiles and perhaps apply for the ANZ Travel Card as they are having a roadshow at my office. *thumbsdown*
Jan 16, 2013, 8:36 am
#1032
Join Date: Dec 2011
Posts: 17
I applied easily enough and indicated that DBS was the crediting bank for my salary so that I did not have to submit any documents. It was approved but there was no review of my credit limit (my limit is still from my salary years ago, about half the current).
I then wrote in and asked and they increased it slightly (to about 2/3 of my Citibank card). Then I wrote in again asking for an increase as it was stated I could get 2-4 times of my monthly income (the limit they gave was less than 1.5 times my monthly).
They replied that from their records that the salary in their records was still the same as years ago and that I would have to submit income documents as proof if I wanted another review.
...!! If they had the service to evaluate from looking at your salary crediting
account, why bother with income documents? I pay my bills in full and on time
every month, so I'm hardly a credit risk. But they were adaman
I'm going to clearout my miles in the Altitude card then cancel all my accounts with DBS. Really left a sour taste in my mouth. I will continue usiadman
Citibank Premiermiles and perhaps apply for the ANZ Travel Card as they are having a roadshow at my office. *thumbsdown*
I then wrote in and asked and they increased it slightly (to about 2/3 of my Citibank card). Then I wrote in again asking for an increase as it was stated I could get 2-4 times of my monthly income (the limit they gave was less than 1.5 times my monthly).
They replied that from their records that the salary in their records was still the same as years ago and that I would have to submit income documents as proof if I wanted another review.
...!! If they had the service to evaluate from looking at your salary crediting
account, why bother with income documents? I pay my bills in full and on time
every month, so I'm hardly a credit risk. But they were adaman
I'm going to clearout my miles in the Altitude card then cancel all my accounts with DBS. Really left a sour taste in my mouth. I will continue usiadman
Citibank Premiermiles and perhaps apply for the ANZ Travel Card as they are having a roadshow at my office. *thumbsdown*
Allow me to weigh it in. In Singapore, a credit card centre of a bank is usually a separate entity n they will not be able to access ur salary credit records, n the parent bank is not allowed by law to disclose even those theybare under the same group. Thus u needvto submit income statement. If not they just rely on your old records n only if ur employment remains the same. If employment has changed, they can't issue u a new card as well
Jan 16, 2013, 8:52 am
#1033
Join Date: Dec 2012
Posts: 33
Allow me to weigh it in. In Singapore, a credit card centre of a bank is usually a separate entity n they will not be able to access ur salary credit records, n the parent bank is not allowed by law to disclose even those theybare under the same group. Thus u needvto submit income statement. If not they just rely on your old records n only if ur employment remains the same. If employment has changed, they can't issue u a new card as well
So they can assess that I'm eligible for the Altitude card via that option, but when reviewing my credit limit suddenly that method is not good enough?
Edit: And yes, I have changed companies from the past records (indicated clearly in my Altitude application form)
Jan 17, 2013, 11:41 am
#1034
Join Date: Sep 2005
Location: SIN
Programs: SQ, UA, Delta, BMI(RIP), Marriott Lifetime Titanium, Hilton Diamond (Thanks Amex) Hyatt Discov
Posts: 1,942
UOB Privi
Looks like UOB. PRIVI Amex is best card now as it gives same 1.6 miles per S$1 spend as DBS Altitude Visa or Amex for local spend even for the first $2,000 spend per month. Also best card for overseas spend as it gives 2.5 miles per S$1 overseas spend (versus 2.4 miles for DBS Treasure's Amex Black and DBS Altitude
Wondering if it is time to switch to UOB PRIVI.
The only worry is no expiry for DBS versus two year expiry for UOB.
With Krisflyer'd three year expiry rule, DBS no expiry makes it a good place to hold miles but with UOB one won't be able to go this
Aster, I see you are switching to UOB too. Is the mileage expiry an issue for you?
Also is foreign transaction fee and FX rate similar for DBS and UOB?
Wondering if it is time to switch to UOB PRIVI.
The only worry is no expiry for DBS versus two year expiry for UOB.
With Krisflyer'd three year expiry rule, DBS no expiry makes it a good place to hold miles but with UOB one won't be able to go this
Aster, I see you are switching to UOB too. Is the mileage expiry an issue for you?
Also is foreign transaction fee and FX rate similar for DBS and UOB?
Jan 17, 2013, 6:40 pm
#1035
Join Date: Oct 2011
Posts: 143
Looks like UOB. PRIVI Amex is best card now as it gives same 1.6 miles per S$1 spend as DBS Altitude Visa or Amex for local spend even for the first $2,000 spend per month. Also best card for overseas spend as it gives 2.5 miles per S$1 overseas spend (versus 2.4 miles for DBS Treasure's Amex Black and DBS Altitude
Wondering if it is time to switch to UOB PRIVI.
The only worry is no expiry for DBS versus two year expiry for UOB.
With Krisflyer'd three year expiry rule, DBS no expiry makes it a good place to hold miles but with UOB one won't be able to go this
Aster, I see you are switching to UOB too. Is the mileage expiry an issue for you?
Also is foreign transaction fee and FX rate similar for DBS and UOB?
Wondering if it is time to switch to UOB PRIVI.
The only worry is no expiry for DBS versus two year expiry for UOB.
With Krisflyer'd three year expiry rule, DBS no expiry makes it a good place to hold miles but with UOB one won't be able to go this
Aster, I see you are switching to UOB too. Is the mileage expiry an issue for you?
Also is foreign transaction fee and FX rate similar for DBS and UOB?
The expiry is not a huge problem. You have two years (thereabouts) in UOB and 3 more years in KF, for a total of 5 years. That's more than enough time to earn the points and do an award.
I also use the UOB Prefered Amex for dining, which earns 4 miles/$. The points for all UOB cards are pooled together so between the two, no huge problem.
Fx fees are a bit higher for UOB Amex, though. 3.25% compared to the 'standard' 2.5%.