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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):
============

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 Jan 21, 2014, 3:57 am
  #2536  
 
Join Date: Apr 2007
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Originally Posted by stiwi
I don't think you can use Amex card for EZ-link top up unless you are talking about EZ-Reload which is automatic. But yes it would earn, internet, local or overseas spend would qualify.
You're right... only MC and VISA are available for EZ-Link top up online. My bad.
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Old Jan 21, 2014, 10:04 am
  #2537  
 
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Originally Posted by carrotjuice
If I use my Imagine Amex to top up an EZ-Link card for $100, would this be considered the $100 spend for the month to earn the 5% rebate capped at $5? Anyone tried this?
my rebaye always show $0
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Old Jan 21, 2014, 10:06 am
  #2538  
 
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Originally Posted by Fly-Swiss
anyone ?
you need to do giro plan with iras. anz will then transferred the monthly installment amount to the bank account which you have giro arrangement with iras.
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Old Jan 24, 2014, 7:30 am
  #2539  
 
Join Date: Jan 2012
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i just found out:
EARN 10X REWARDS (10 REWARDS POINTS OR 4 MILES FOR EVERY $1 SPEND) WHEN YOU SHOP FOR SHOES, CLOTHES OR BAGS OR AT DEPARTMENTAL STORES OR ONLINE SHOPPING WEBSITES WITH YOUR CITIBANK REWARDS CARD.

so this should be better than the UOB Preferred Platinum Visa Card which earns 4 miles for every S$1 spend for non-airline online shopping?
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Old Jan 24, 2014, 9:14 am
  #2540  
 
Join Date: May 2012
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Originally Posted by Linkster
i just found out:
EARN 10X REWARDS (10 REWARDS POINTS OR 4 MILES FOR EVERY $1 SPEND) WHEN YOU SHOP FOR SHOES, CLOTHES OR BAGS OR AT DEPARTMENTAL STORES OR ONLINE SHOPPING WEBSITES WITH YOUR CITIBANK REWARDS CARD.

so this should be better than the UOB Preferred Platinum Visa Card which earns 4 miles for every S$1 spend for non-airline online shopping?
You can refer to my signature for the list of what works and what doesn't for each type of card. I started the original list and it's been open up so others can add in their experiences. ^
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Old Jan 24, 2014, 8:38 pm
  #2541  
 
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The 'Best credit cards for KF miles accrual' master thread

Did anyone receive this (rather cryptic) SMS from Citibank?

"Earn 3 miles per $1 spent overseas with Citi PremierMiles Visa Card!T&C apply.SMS citimiles to 72484 to register.SMS UNSUB to 72484. citi.com.sg/contact"

Funny thing is... I can find the T&C nowhere! (validity period, any minimum spend, etc.)
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Old Jan 24, 2014, 11:12 pm
  #2542  
 
Join Date: Aug 2003
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Originally Posted by carrotjuice
Did anyone receive this (rather cryptic) SMS from Citibank?

"Earn 3 miles per $1 spent overseas with Citi PremierMiles Visa Card!T&C apply.SMS citimiles to 72484 to register.SMS UNSUB to 72484. citi.com.sg/contact"

Funny thing is... I can find the T&C nowhere! (validity period, any minimum spend, etc.)
This is the T&C which I have received via email:
http://www.citibank.com.sg/global_do...t13/TNC_s1.pdf

This is a targeted campaign and varies from person to person:
http://www.citibank.com.sg/global_do...t13/TNC_s1.pdf
http://www.citibank.com.sg/global_do...t13/TNC_s2.pdf
http://www.citibank.com.sg/global_do...t13/TNC_s3.pdf
http://www.citibank.com.sg/global_do...t13/TNC_s4.pdf
http://www.citibank.com.sg/global_do...t13/TNC_s5.pdf
http://www.citibank.com.sg/global_do...t13/TNC_s6.pdf

The difference is due to the minimum spending needed to qualify as well as the maximum amount that one can earn. You probably have to call them to check out which promo is applicable to you.
hclee01 is offline  
Old Jan 24, 2014, 11:29 pm
  #2543  
 
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The 'Best credit cards for KF miles accrual' master thread

I don't know if it's the same promo considering it's almost end of Jan already... or the start of a new promo?

I had received a similar SMS back in Dec that specifically mentioned a min spend. "Earn 3 miles per $1 spent overseas with Citi PremierMiles Visa Card! Min spend $5,000.T&C apply.SMS citimiles to 72484 to register.SMS UN to 72484 to unsub"

This recent one didn't have a min spend.
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Old Jan 24, 2014, 11:41 pm
  #2544  
 
Join Date: Aug 2003
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Posts: 2,208
Originally Posted by carrotjuice
I don't know if it's the same promo considering it's almost end of Jan already... or the start of a new promo?

I had received a similar SMS back in Dec that specifically mentioned a min spend. "Earn 3 miles per $1 spent overseas with Citi PremierMiles Visa Card! Min spend $5,000.T&C apply.SMS citimiles to 72484 to register.SMS UN to 72484 to unsub"

This recent one didn't have a min spend.
I suspect that this is the existing one as the last email I received from them on this promo was on 22 Jan 2014. I did receive a similar SMS last year without minimum spend too.
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Old Jan 25, 2014, 11:06 pm
  #2545  
 
Join Date: Feb 2010
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Question

Originally Posted by stiwi
Yes, 100%. All DFS on Changi earn 4miles/$1 for Citi Rewards card
If Duty Free shops at Changi Airport earns 10x points with Citi Rewards Card, all other Duty Free shops should earn 10x points too.

Examples:
Lotte Duty Free: http://en.lottedfs.com/main
ANA Duty Free Shop: http://www.anadf.com/en/

How about airlines' inflight duty free purchases? EVA Air SkyShop, SIA KrisShop, ANA SkyShop etc etc.......

If you happen to be travelling overseas, please help to make small purchases with Citi Rewards card and advise. Many thanks!
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Old Jan 26, 2014, 5:37 am
  #2546  
 
Join Date: Jan 2014
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Posts: 76
Originally Posted by hclee01
I suspect that this is the existing one as the last email I received from them on this promo was on 22 Jan 2014. I did receive a similar SMS last year without minimum spend too.
agreed. looks like the same promo.
straits38 is offline  
Old Jan 26, 2014, 8:48 am
  #2547  
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Originally Posted by lcpteck
You can refer to my signature for the list of what works and what doesn't for each type of card. I started the original list and it's been open up so others can add in their experiences. ^
When did top&tap stop giving 10x on UOB PPV?
yosithezet is offline  
Old Jan 26, 2014, 8:57 am
  #2548  
 
Join Date: Jan 2012
Posts: 26
Originally Posted by lcpteck
You can refer to my signature for the list of what works and what doesn't for each type of card. I started the original list and it's been open up so others can add in their experiences. ^
May I know how do you know if there are 10x UNI$ for each particular transaction? Do you monitor the UNI$ balance online via internet banking every day to check what is the increase?
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Old Jan 27, 2014, 1:16 am
  #2549  
 
Join Date: Dec 2006
Location: BKK/SEL/YQG
Posts: 2,543
I spent 7 months, yes 7, completing a $2000 chargeback with Citi. Everytime I would call, the call centre staff could see nothing about it and would always tell me "they would get someone to call me back". It was a joke how many times I had to call them to get it completed. They only sent me the documents last week (which the cover letter was so wrong about my dispute it was a comical) saying the chargeback was approved, but I needed to call them within 7 days, which I did, and they still knew nothing about it.

The idiots also included a copy of an internal email from their offices here in SG, to their chargeback department in Europe. They only started the chargeback in December, even though the first time I called them (I had to submit my documents 5 different times) was back in July!

Once I get that refund (it's still yet to be paid to me), that PremierMiles card is going straight in the rubbish, since ANZ just gave me a TravelCard. Even though its a joke they don't have online banking, I'd still rather use it over Citi.
SirJman is offline  
Old Jan 27, 2014, 10:56 am
  #2550  
 
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
Originally Posted by yosithezet
When did top&tap stop giving 10x on UOB PPV?
Towards the end of last year people were using UOB PPV to get 10x UNI$ for topping up their EZ-Link issued prepaid credit cards online (AMEX Imagine, FEVO MC, M1 MC), effectively letting us get 10x on all spend. UOB likely noticed the surge in 10x UNI$ being issued as a result of EZ-Link transactions, and around Nov 24th EZ-Link transactions no longer gave 10x UNI$, with Top&Tap (also by EZ-Link) as collateral damage.

You can find more information on the change on this thread starting at page 157 - http://www.flyertalk.com/forum/singa...hread-157.html
Aeran is offline  


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