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 1, 2015, 8:38 am
#3751
Join Date: Jan 2015
Posts: 1
Was in KUL tonight to use the PP lounge at satellite. I saw person in front with ANZ card get denied - I switched to my diners card and got in.
The sign at the desk says that no veloce members were allowed - ie not specific to ANZ. Also heard the lady at the desk tell the person in front that it was a contractual issue with veloce (again, no mention of ANZ).
Have not heard anything about the relationship between ANZ and veloce though. Mind you that ANZ use veloce in Aus too so it will be a big change for them.
The sign at the desk says that no veloce members were allowed - ie not specific to ANZ. Also heard the lady at the desk tell the person in front that it was a contractual issue with veloce (again, no mention of ANZ).
Have not heard anything about the relationship between ANZ and veloce though. Mind you that ANZ use veloce in Aus too so it will be a big change for them.
Jan 1, 2015, 9:33 am
#3752
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,174
http://www.uob.com.sg/personal/cards...astercard.html
Don't have "Enjoy bonus 20,000 miles when you spend S$50,000 in a year".
http://www.uob.com.sg/assets/pdfs/ca...vi_milesmc.pdf
A foreign currency factor of 3.25% on the
amount converted will be charged (out of
which 1% which will be retained by
MasterCard).
Same rate as the AMEX version.
Don't have "Enjoy bonus 20,000 miles when you spend S$50,000 in a year".
http://www.uob.com.sg/assets/pdfs/ca...vi_milesmc.pdf
A foreign currency factor of 3.25% on the
amount converted will be charged (out of
which 1% which will be retained by
MasterCard).
Same rate as the AMEX version.
So foreign currency charges will be the same - no loss here either.
I would have mentioned the free limo but the rules have recently changed for the AMEX, making it a completely different story now. So once again no biggie from my side.
But there is one big change: the logo on your card. Going from Amex to MC is a big game-changer.
Right now the new PRVI MC is a must-have card and is the best "overall spend" card in Singapore at present. @:-) Where else can you clock up 1.6 miles/$ and not have to worry about your card being an Amex one?
Jan 1, 2015, 9:40 am
#3753
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,174
Need some comments and advice from you guys on my "miles accrual plan" 
Currently I own:
DBS Altitude Visa Signature
Citi PM Visa Signature
Considering to apply :
AMEX SIA KrisFlyer Ascend (Get 5000 bonus miles, keep 1 year then cancel)
UOB PRVI Miles Platinum (3 years free annual fee waiver)
ANZ Travel Visa Card. (2000 bonus miles on application)
Based on my research, I believe the plan would work as follows:
Local Spending Accepting Amex - Use UOB Prvi Miles (1.6 miles/$)
Local Spending not accepting Amex - Use ANZ Travel Visa (1.4 miles/$)
Overseas Spending Accepting Amex - Use UOB Prvi Miles (2.5 miles/$) - Is this a good move since AMEX foreign charges are high? Should I use DBS Altitude/Citi PM instead?
Overseas Spending Not Accepting Amex - Use DBS/Citi PM (2 miles/$)
In addition, I will keep the DBS Altitude, ANZ Travel Visa, Citi PM and pay the annual fees of 192.60 every year to get 10k bonus miles each. Will rack up the points over the years since they do not expire (except ANZ Travel Visa which I will offload the points to Kris Flyer at the end of the 5 year expiry).
Any thoughts on this?
Thanks in advance
Currently I own:
DBS Altitude Visa Signature
Citi PM Visa Signature
Considering to apply :
AMEX SIA KrisFlyer Ascend (Get 5000 bonus miles, keep 1 year then cancel)
UOB PRVI Miles Platinum (3 years free annual fee waiver)
ANZ Travel Visa Card. (2000 bonus miles on application)
Based on my research, I believe the plan would work as follows:
Local Spending Accepting Amex - Use UOB Prvi Miles (1.6 miles/$)
Local Spending not accepting Amex - Use ANZ Travel Visa (1.4 miles/$)
Overseas Spending Accepting Amex - Use UOB Prvi Miles (2.5 miles/$) - Is this a good move since AMEX foreign charges are high? Should I use DBS Altitude/Citi PM instead?
Overseas Spending Not Accepting Amex - Use DBS/Citi PM (2 miles/$)
In addition, I will keep the DBS Altitude, ANZ Travel Visa, Citi PM and pay the annual fees of 192.60 every year to get 10k bonus miles each. Will rack up the points over the years since they do not expire (except ANZ Travel Visa which I will offload the points to Kris Flyer at the end of the 5 year expiry).
Any thoughts on this?
Thanks in advance
For local spend you can now apply for the PRVI MC instead - no need to worry about Amex acceptance any more!
For overseas you will see a lot of promos that might make it worth your while. For instance DBS Altitude had one recently that just ended on Dec 31, whereby you could get 3 miles/$ (limited up to a certain spend amount/mth).
For annual fees, if you are willing to pay them to accrue yet more miles, you might as well hang on to all those cards you mentioned.
To truly maximise your mileage-accrual I would also get the DBS WWMC. That is the most sure-fire way of getting 8k miles for just $2k spend each month.
Also, if you happen to shop at NTUC Fairprice or just use paywave a lot in general, you might want to consider the UOB PPV to get 4 miles/$ for such spend as well.
Jan 1, 2015, 9:29 pm
#3754
formerly Fly-Swiss
Join Date: Dec 2005
Location: SIN
Programs: SQ
Posts: 878
The 'Best credit cards for KF miles accrual' master thread
Just talked to ANZ. The veloce access is still valid no change. As for the limo privilege, it is not decided what will happen to it but is still valid for January 2015.
Jan 1, 2015, 11:18 pm
#3756
Join Date: Oct 2009
Posts: 32
Just 2 days ago, like you, I asked if the limo privelege is valid for 2015.
She put me on hold to check, and came back and said "Sir, there's no change for 2015".
Then I specifically pointed her to ANZ's website (http://www.anz.com/resources/f/9/f96...df?MOD=AJPERES) and drew her attention to the fact that it clearly says this program is valid until 31 Dec 2014. She clicked on it, was silent for a long while and asked to put me on hold again.
After a while, she came back and said that there is still a limo program for 2015 but we will have to use our points to redeem it. In that sense, there is no change.
I got tired of the semantics and asked her -- for Dec 2014, if I accumulate >S$1,500 spending, I can get a free limo voucher, right? Yes, Sir.
For Jan 2015, if I accumulate >S$1,500 spending, can I get a free limo voucher? No, Sir, but you can use your points to redeem for a voucher.
But those are two different things, right? Yes, Sir.
So why did you tell me that there is no change to the program in 2015 when I asked you to check and you did check earlier and confirm there is no change?
"Sorry, Sir."
In any case, until ANZ's website says the limo program is valid in 2015, its better to assume its no longer valid after December 2014.
Frankly speaking, I'm ready to throw in the towel with ANZ too. Their operators are poorly trained, their programs ambiguous and prone to sudden changes. Worst still, in the year 2014, they still don't have a website that allows customer to access their account and details of transaction, and you literally have to call them and go over it one by one, if you want to verify what's posted as transactions before the statement is mailed to you.
Jan 1, 2015, 11:58 pm
#3757
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,802
In Chinglish we term these as 膠CS or Plastic CS. Do you have an equivalent term in Singlish?
Jan 2, 2015, 12:20 am
#3758
formerly Fly-Swiss
Join Date: Dec 2005
Location: SIN
Programs: SQ
Posts: 878
I realised that ANZ phone operators sometimes do not know what they are talking about.
Just 2 days ago, like you, I asked if the limo privelege is valid for 2015.
She put me on hold to check, and came back and said "Sir, there's no change for 2015".
Then I specifically pointed her to ANZ's website (http://www.anz.com/resources/f/9/f96...df?MOD=AJPERES) and drew her attention to the fact that it clearly says this program is valid until 31 Dec 2014. She clicked on it, was silent for a long while and asked to put me on hold again.
After a while, she came back and said that there is still a limo program for 2015 but we will have to use our points to redeem it. In that sense, there is no change.
I got tired of the semantics and asked her -- for Dec 2014, if I accumulate >S$1,500 spending, I can get a free limo voucher, right? Yes, Sir.
For Jan 2015, if I accumulate >S$1,500 spending, can I get a free limo voucher? No, Sir, but you can use your points to redeem for a voucher.
But those are two different things, right? Yes, Sir.
So why did you tell me that there is no change to the program in 2015 when I asked you to check and you did check earlier and confirm there is no change?
"Sorry, Sir."
In any case, until ANZ's website says the limo program is valid in 2015, its better to assume its no longer valid after December 2014.
Frankly speaking, I'm ready to throw in the towel with ANZ too. Their operators are poorly trained, their programs ambiguous and prone to sudden changes. Worst still, in the year 2014, they still don't have a website that allows customer to access their account and details of transaction, and you literally have to call them and go over it one by one, if you want to verify what's posted as transactions before the statement is mailed to you.
Just 2 days ago, like you, I asked if the limo privelege is valid for 2015.
She put me on hold to check, and came back and said "Sir, there's no change for 2015".
Then I specifically pointed her to ANZ's website (http://www.anz.com/resources/f/9/f96...df?MOD=AJPERES) and drew her attention to the fact that it clearly says this program is valid until 31 Dec 2014. She clicked on it, was silent for a long while and asked to put me on hold again.
After a while, she came back and said that there is still a limo program for 2015 but we will have to use our points to redeem it. In that sense, there is no change.
I got tired of the semantics and asked her -- for Dec 2014, if I accumulate >S$1,500 spending, I can get a free limo voucher, right? Yes, Sir.
For Jan 2015, if I accumulate >S$1,500 spending, can I get a free limo voucher? No, Sir, but you can use your points to redeem for a voucher.
But those are two different things, right? Yes, Sir.
So why did you tell me that there is no change to the program in 2015 when I asked you to check and you did check earlier and confirm there is no change?
"Sorry, Sir."
In any case, until ANZ's website says the limo program is valid in 2015, its better to assume its no longer valid after December 2014.
Frankly speaking, I'm ready to throw in the towel with ANZ too. Their operators are poorly trained, their programs ambiguous and prone to sudden changes. Worst still, in the year 2014, they still don't have a website that allows customer to access their account and details of transaction, and you literally have to call them and go over it one by one, if you want to verify what's posted as transactions before the statement is mailed to you.
Another point I wanted to mention is the miles received for paying Income tax with the card. It can easily be more than 15k miles for me, so not unsignificant. As for the UOB Mastercard, it would be worth comparing with the CITI Prestige which offers limo, renewal points and unlimited priority pass as well as hotel benefits.
Jan 3, 2015, 10:52 pm
#3759
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
ANZ customer service, I have found, are often not well informed by the people in marketing or product management that control the product and promotions. That's why they given inconsistent and contradictory answers.
Jan 4, 2015, 10:09 pm
#3760
Join Date: Dec 2006
Location: BKK/SEL/YQG
Posts: 2,543
http://www.velocelounges.com/Bin.aspx?id=469352
Jan 5, 2015, 4:54 am
#3761
Join Date: Apr 2011
Location: Singapore / India
Programs: SQ QPP, Hilton Diamond, IHG Platinum, Taj Inner Circle Gold
Posts: 639
Quote:
Originally Posted by carrotjuice
ANZ customer service, I have found, are often not well informed by the people in marketing or product management that control the product and promotions. That's why they given inconsistent and contradictory answers.
Looks like T1 Skyview is dead as of 2 Jan (someone on HWZ was denied today). Veloce list new lounges for T1 and T3 on their website. If Dnata disappear in T3 as well, this is a huge downgrade as Oasis and Ambassador are pretty grim.
http://www.velocelounges.com/Bin.aspx?id=469352
Originally Posted by carrotjuice
ANZ customer service, I have found, are often not well informed by the people in marketing or product management that control the product and promotions. That's why they given inconsistent and contradictory answers.
Looks like T1 Skyview is dead as of 2 Jan (someone on HWZ was denied today). Veloce list new lounges for T1 and T3 on their website. If Dnata disappear in T3 as well, this is a huge downgrade as Oasis and Ambassador are pretty grim.
http://www.velocelounges.com/Bin.aspx?id=469352
He reported to ANZ who insisted is valid. Now ANZ is investigating.
Access to Ambassador lounge is allowed.
Jan 5, 2015, 5:45 am
#3762
Join Date: Dec 2006
Location: BKK/SEL/YQG
Posts: 2,543
All the KLIA 2 lounges are gone too.
Jan 5, 2015, 6:08 am
#3763
Join Date: Apr 2011
Location: Singapore / India
Programs: SQ QPP, Hilton Diamond, IHG Platinum, Taj Inner Circle Gold
Posts: 639
green market is the good one. I really like the food there.
Jan 5, 2015, 9:48 am
#3764
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Looks like it's not the end of the partnership, it's just a lack of lounges.
ANZ Travel card lounge access looks pretty limited nowadays. Oh well, it's still useful for those cities that is listed.