percysmith

Can we reasonably expect annual fee waivers for ANZ Travel/DBS Altitude Visa/UOB PRVI AE if they become our main Visa or AE cards respectively?

If yes, for S$ local spending

1. (Base case) ANZ Travel: 1.4 mile/S$, no threshhold, no per transaction rounding, minimum redemption size 500 miles
(No reason to use Premiermiles over ANZ Travel as base case, right?)

2. DBS Altitude: 2,400 miles + (spend - $2,000) x 1.6. S$2,000 for 1.6mile/S$ to kick in, round down to nearest S$5, minimum redemption size 10,000 miles

Need to put S$4,000 into the card in payments >S$40 for DBS Altitude to beat ANZ Travel
But since there's a threshhold, why not go straight to UOB PRVI? See below.

3. UOB PRVI: $1.6/mile, no threshhold, round down to nearest S$5, minimum redemption size 10,000 miles

I'm assuming if you can spend S$4,000 a month on card, you can put a very large portion of that on AE.

So...just keep ANZ Travel and UOB PRVI?
No need to keep DBS Altitude anymore? Except for IRAS tax if significant.


I think DBS is getting squeezed by ANZ and UOB here - despite moving to a Visa card the monthly threshhold and redemption size are major turnoffs. Same in HK - DBS HK is just sticking to DBS Black (roughly S$1/mile) and are getting blasted out of the water by Mainland banks as far as Asia Miles are concerned - they're going much more low end now with Compass Visa and Pay Less Visa.