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

Old Oct 31, 14, 7:05 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: SingaporeDon
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:
From 15 May 2015, 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 together for all UOB cards.

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 & UOB Preferred Platinum American Express Card (AMEX no longer available for application wef 01 Oct 2015)

http://www.uob.com.sg/personal/cards..._platinum.html
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 3 July 2017, earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Paywave and online). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Not sure if this is true as I think UNi$2000 they are talking about is total earned including the basic 1, plus bonus 9 = total 10 per $1 spend "The total UNI$ awarded to each Cardmember from qualifying spend on Selected Online Transactions and Contactless Transactions is capped at UNI$2,000 for each calendar month. After which, UNI$1 will be awarded for every S$5 spent"https://www.uob.com.sg/personal/cards/credit-cards/rewards-cards/uob-preferred-platinum-visa-card.page Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 payWave transaction. ($1110/5)x9=1998UNI$, hence the last S$5 payWave transaction will earn 2 bonus UNI$.

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

(Wef 01 Oct 2015 no new applications) UOB Preferred Platinum American Express Card: Cardmembers will earn 10X UNI$ at any F&B establishments WORLDWIDE registered under the following MCC:

5812 Eating Places and Restaurants
5813 Drinking Places (Alcoholic Beverages) Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques
5814 Fast Food Restaurants

F&B establishments does not include bakeries, caterers and F&B spending at establishments that does not have F&B as its main business activity such as hotels and supermarkets. Best for local dining. Very hard to determine MCC code for overseas dining places.

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 Visa & AMEX

http://www.citibank.com.sg/gcb/credi...CAAEENCCHOCALM
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 (1.3 miles for AMEX) for every $1 spent (every $0.83 [VISA] or S$0.769 gives 1 mile [AMEX]). Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for VISA & 15,000 bonus miles for AMEX for each annual membership renewal.

Requirements: min. income $50,000 for VISA & S$80,000 for AMEX (very strict for AMEX). Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. S$267.50 for AMEX. Annual fee waiver available in exchange for forfeiting the 10,000 or 15,000 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. 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 or 1.3 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 & Citibank Clear Platinum Card (No longer for new application from 01 June 2015)

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!

Citibank Clear Platinum Card (No longer for new application from 01 June 2015)
http://www.citibank.com.sg/gcb/credi...CACPENCCHOCALM
Earn 5X Rewards (5 Rewards Points or 2 Miles for every S$1 spend) on Overseas Spend, Dining & Online Shopping.

Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.

Cons: 10x Citidollars based on MCC code. Very hard to determine for overseas merchants. Points awarded per S$1 spend. Cents not included. Need to call in to Citibank to ask to combine the Citidollars earned before making a transfer.

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-resources/pdf/cards/credit-cards/womans-platinum-mastercard/womans_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-banking/cards/titaniumrewards-mastercard.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/cards/titanium_rewards_credit_card-terms-conditions.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

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

Old Apr 18, 14, 9:19 pm
  #2821  
 
Join Date: Apr 2012
Posts: 1,618
If you have a 6 figures tax, and if you have travel signature card, you get 1.4 miles for every dollar! So why not?
tboons is offline  
Old Apr 19, 14, 1:22 am
  #2822  
 
Join Date: Apr 2014
Posts: 4
Originally Posted by tboons View Post
If you have a 6 figures tax, and if you have travel signature card, you get 1.4 miles for every dollar! So why not?
There is a 0.7% admin fee. If you do the calculations, it isn't great at all. Or maybe I got it wrong because their website is really crap.

Anyone used ANZ's facilities before can kindly explain the process? Much appreciated.
nightwish is offline  
Old Apr 19, 14, 3:55 am
  #2823  
 
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,849
The golden goose is about to be culled. Online spending for PPV to be limited to 24K annually from June 1st 2014

Get your spending in before then if you've already maxed this limit!

Edit: just to clarify it is 24K UNI$ per year. So once exceeded you will get 0 Uni$ for subsequent spend.

This is worse than the DBS women's card!

Edit: this applies for Paywave as well!

Last edited by lsed; Apr 20, 14 at 4:43 am
lsed is offline  
Old Apr 19, 14, 5:59 am
  #2824  
 
Join Date: Feb 2010
Programs: IHG SPG KF OW Marco Polo
Posts: 48
PPV 4* miles

Originally Posted by lsed View Post
The golden goose is about to be culled. Online spending for PPV to be limited to 24K annually from June 1st 2014

Get your spending in before then if you've already maxed this limit!
Darn

Looks like it has to be Citi Rewards card for us then!
fern76 is offline  
Old Apr 19, 14, 6:53 am
  #2825  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 18,243
Wirelessly posted (Mozilla/5.0 (iPhone; CPU iPhone OS 7_0_6 like Mac OS X) AppleWebKit/537.51.1 (KHTML, like Gecko) Version/7.0 Mobile/11B651 Safari/9537.53)

The nearest equiv in HK, CCB eye, caps us at HK$75K/S$12.3K
percysmith is online now  
Old Apr 19, 14, 9:19 am
  #2826  
 
Join Date: May 2009
Location: Singapore
Programs: SQ PPS, OZ Gold, Marriott Titanium & lifetime Platinum, IHG Diamond
Posts: 173
Originally Posted by nightwish View Post
There is a 0.7% admin fee. If you do the calculations, it isn't great at all. Or maybe I got it wrong because their website is really crap.

Anyone used ANZ's facilities before can kindly explain the process? Much appreciated.
If I read the T&C correctly, the 0.7% admin fee can be waived (or fully rebated) if you are a big spender of the ANZ card.

For example, if your tax amount is in the range of S$5K-S$20K, and if you have spent S$15K on your ANZ card from the period of 1 May 2013 - 30 Apr 2014, then that 0.7% admin fee will be fully rebated to your card, plus a bonus of 2 miles per every S$5 tax amount paid.

But one point I don't understand is... How about the rebate mile amount if I'm holding the ANZ visa signature travel card? The point system is different. The normal ANZ card is using a system of 1 point (?? $ equivalent spend) = 2 miles; but ANZ visa signature travel card is 1 S$ spending = 1.4 travel $ = 1.4 miles.... Need to call to confirm this point....
cy1978hk is offline  
Old Apr 19, 14, 9:58 am
  #2827  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 18,243
Originally Posted by tboons View Post
If you have a 6 figures tax, and if you have travel signature card, you get 1.4 miles for every dollar! So why not?
S$100 paid = 140 miles = S$0.7
Each mile = S$0.005

Seems like a bargain to me. I'd even pay other poeple's taxes for them at that rate.
percysmith is online now  
Old Apr 19, 14, 12:05 pm
  #2828  
 
Join Date: Sep 2009
Posts: 71
Originally Posted by carrotjuice View Post
Agree the rate isn't great for those miles savvy among us. But you'd be surprise at the number of people clamouring for the so called 'prestige' of holding a card few have. (I personally don't understand this at all myself...)

Bells and whistles include unlimited airport lounge access, free and discounted golf, private clubs and events, dedicated "Lifestyle Manager" (whatever this means).
I heard that one of their perks include 1 for 1 business class tickets on certain airlines?
lalaisgongon is offline  
Old Apr 19, 14, 3:03 pm
  #2829  
 
Join Date: Apr 2014
Posts: 4
Ok, see if my calculations are right.

Tax = $120k = 168k miles (based on $1 - 1.4 miles)
Admin fee of 0.7% = $840

Say i dont use the ANZ card much so rebate can forget about it. Is this still a good deal?
nightwish is offline  
Old Apr 19, 14, 10:35 pm
  #2830  
 
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Originally Posted by lsed View Post
The golden goose is about to be culled. Online spending for PPV to be limited to 24K annually from June 1st 2014

Get your spending in before then if you've already maxed this limit!

Edit: just to clarify it is 24K UNI$ per year. So once exceeded you will get 0 Uni$ for subsequent spend.

This is worse than the DBS women's card!
Oh my... that's only S$12,000 spending for the whole year..
Will have to buy a lot before 1 June then
Marsy is offline  
Old Apr 19, 14, 10:49 pm
  #2831  
 
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Originally Posted by lsed View Post
The golden goose is about to be culled. Online spending for PPV to be limited to 24K annually from June 1st 2014

Get your spending in before then if you've already maxed this limit!

Edit: just to clarify it is 24K UNI$ per year. So once exceeded you will get 0 Uni$ for subsequent spend.

This is worse than the DBS women's card!
Couldn't find tnc link though, the one on UOB site doesn't work http://www.uob.com.sg/assets/pdfs/pe...sa_apr2014.pdf

Can share the link?
Marsy is offline  
Old Apr 20, 14, 1:41 am
  #2832  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 5,940
Originally Posted by lalaisgongon View Post
I heard that one of their perks include 1 for 1 business class tickets on certain airlines?
Not sure. I personally don't pay too much attention to this as it almost always means 2 go 1 on full fare.
carrotjuice is offline  
Old Apr 20, 14, 4:15 am
  #2833  
 
Join Date: Sep 2009
Posts: 71
Originally Posted by carrotjuice View Post
Not sure. I personally don't pay too much attention to this as it almost always means 2 go 1 on full fare.
Hmm is this from personal experience, I know amex charge use to use full fare. Read in another forum, that they are quite reasonable. someone bought sin- usa on emirates for 6k for 2 tickets. That seems pretty attractive ?
lalaisgongon is offline  
Old Apr 20, 14, 4:46 am
  #2834  
 
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,849
Originally Posted by Marsy View Post
Couldn't find tnc link though, the one on UOB site doesn't work http://www.uob.com.sg/assets/pdfs/pe...sa_apr2014.pdf

Can share the link?

Cant share the source unfortuantely.

But this limit also affects the paywave part of the card.

I would think it is time to signup for the Visa Signature card as it seems they also give 10X for paywave
lsed is offline  
Old Apr 20, 14, 8:36 pm
  #2835  
 
Join Date: Jul 2005
Location: SIN and wandering.
Posts: 1,549
Originally Posted by lsed View Post
The golden goose is about to be culled. Online spending for PPV to be limited to 24K annually from June 1st 2014

Get your spending in before then if you've already maxed this limit!

Edit: just to clarify it is 24K UNI$ per year. So once exceeded you will get 0 Uni$ for subsequent spend.

This is worse than the DBS women's card!

Edit: this applies for Paywave as well!
Essentially,

Online + Paywave = no more than 24K UNI$, that's $12k spending per year?!?!?! Seriously? That works out to only $1000 spending per month... Does that mean that once you earn 24k per calendar year, you won't even be eligible for the "regular" $5 spend for UNI$1??

Time to direct my online shopping to Citi Rewards...

Last edited by SQ319; Apr 20, 14 at 8:43 pm Reason: Calculation Error...
SQ319 is offline  

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