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
Aug 28, 2015, 3:31 am
#4591
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Just found out someone I know has been having a tussle with Citibank.
That person used the Citi Rewards card at a tailor to buy some suits and shirts. Big amount spent. But was denied the 10X points for "clothing, shoes and bags" shopping.
Tailors don't qualify, it seems.
But what else do tailors sell but clothes?!
Apparently "the card is intended for off-the-rack clothes, not tailor-made clothes" was the (downright ridiculous) explanation.
Really these banks seem to make rules on the whim. Frustrating is the mildest word to describe them.
That person used the Citi Rewards card at a tailor to buy some suits and shirts. Big amount spent. But was denied the 10X points for "clothing, shoes and bags" shopping.
Tailors don't qualify, it seems.
But what else do tailors sell but clothes?!
Apparently "the card is intended for off-the-rack clothes, not tailor-made clothes" was the (downright ridiculous) explanation.
Really these banks seem to make rules on the whim. Frustrating is the mildest word to describe them.
Aug 28, 2015, 4:36 am
#4592
Join Date: Jul 2015
Posts: 22
Just found out someone I know has been having a tussle with Citibank.
That person used the Citi Rewards card at a tailor to buy some suits and shirts. Big amount spent. But was denied the 10X points for "clothing, shoes and bags" shopping.
Tailors don't qualify, it seems.
But what else do tailors sell but clothes?!
Apparently "the card is intended for off-the-rack clothes, not tailor-made clothes" was the (downright ridiculous) explanation.
Really these banks seem to make rules on the whim. Frustrating is the mildest word to describe them.
That person used the Citi Rewards card at a tailor to buy some suits and shirts. Big amount spent. But was denied the 10X points for "clothing, shoes and bags" shopping.
Tailors don't qualify, it seems.
But what else do tailors sell but clothes?!
Apparently "the card is intended for off-the-rack clothes, not tailor-made clothes" was the (downright ridiculous) explanation.
Really these banks seem to make rules on the whim. Frustrating is the mildest word to describe them.
Last edited by naro; Aug 28, 2015 at 4:54 am
Aug 28, 2015, 9:28 am
#4593
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
Anyone got any of the bank's Amex'es? Particularly the Citi PM Amex. How do you pay online? I got SCB and DBS iBanking and can't figure out if it can be done since the 'pay other bank's credit card' only works for visa/mc ...
Aug 28, 2015, 6:52 pm
#4594
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
But was told it was a one time exception.
Going forward tailors continue to NOT qualify.
Which is a pity because there was plan to go back to the same tailor for other pieces of clothing - for a wedding entourage! - and all the spends (literally S$ thousands) were channeled to another card.
Citibank doesn't seem to see sense hence lost out big time.
Aug 28, 2015, 6:59 pm
#4595
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Several years back, I made an online bill payment through Citibank (account now closed) when I realised I had made a minor mistake in the amount. On the same day, I called up Citibank to ask for the payment to be stopped so that I can reinstruct with the correct amount. They say it's not possible to stop on the same day. Because a CHEQUE will be printed overnight and POSTED (yes, Singpost!) to the bill payee organisation.
So the only way to stop such a payment is to wait for the cheque to be printed first overnight, then call back the next day to instruct a stop-cheque payment!
I was dumbfounded beyond words. (Dwarf behind the ATM scenario springs to mind.)
That got me thinking, why should I allow the bank to earn interest while my account was debited on the same day but the cheque makes its way to the payee organisations? I might as well have written my own cheque, put it into the business reply envelope normally given by the payee organisations - and earn (whatever little) interest float for the duration...
Aug 28, 2015, 8:38 pm
#4596
Join Date: Jul 2015
Posts: 22
That person, after fighting with Citibank and asking for multiple escalations, eventually got the 10X points.
But was told it was a one time exception.
Going forward tailors continue to NOT qualify.
Which is a pity because there was plan to go back to the same tailor for other pieces of clothing - for a wedding entourage! - and all the spends (literally S$ thousands) were channeled to another card.
Citibank doesn't seem to see sense hence lost out big time.
But was told it was a one time exception.
Going forward tailors continue to NOT qualify.
Which is a pity because there was plan to go back to the same tailor for other pieces of clothing - for a wedding entourage! - and all the spends (literally S$ thousands) were channeled to another card.
Citibank doesn't seem to see sense hence lost out big time.
I vaguely remembered that someone mentioned that he/she did not receive 10x rewards for the Citibank Rewards card. Hence, I did not use my Citibank Rewards card.
Aug 28, 2015, 9:23 pm
#4597
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
It should not be up to the bank's discretion when they clearly publicize that 10X rewards points are applicable for purchasing "clothing, shoes and bag". Whether the clothing is off the rack or tailored is irrelevant.
Aug 28, 2015, 10:47 pm
#4598
Join Date: Jul 2015
Posts: 22
Will you be going to campaign and get Citibank to include tailored clothes to be included for 10X rewards in the terms and condition?
Aug 29, 2015, 5:04 am
#4599
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Sure it's not fair, but life isn't fair anyways. We learn, we move on.
Aug 30, 2015, 1:18 am
#4601
Join Date: Aug 2015
Posts: 2
This sounds really bad. UOB sucks. I don't like it that they claw back stuff without informing the customer.
Quick question on UOB - I saw the credit card spreadsheet, it says the eBay earns 10X points for PPV, but Paypal doesn't.
But my eBay is linked to Paypal, and I use Paypal to pay for my purchases. (99% of pple do that).
So how? Does that mean I don't get the 10X points?
Anybody can help answer this question?
Quick question on UOB - I saw the credit card spreadsheet, it says the eBay earns 10X points for PPV, but Paypal doesn't.
But my eBay is linked to Paypal, and I use Paypal to pay for my purchases. (99% of pple do that).
So how? Does that mean I don't get the 10X points?
Anybody can help answer this question?
Aug 30, 2015, 2:34 am
#4602
Join Date: Jun 2009
Location: SIN
Programs: TK-G | Accor P | SQ-G | Marriott T
Posts: 3,831
That person, after fighting with Citibank and asking for multiple escalations, eventually got the 10X points.
But was told it was a one time exception.
Going forward tailors continue to NOT qualify.
Which is a pity because there was plan to go back to the same tailor for other pieces of clothing - for a wedding entourage! - and all the spends (literally S$ thousands) were channeled to another card.
Citibank doesn't seem to see sense hence lost out big time.
But was told it was a one time exception.
Going forward tailors continue to NOT qualify.
Which is a pity because there was plan to go back to the same tailor for other pieces of clothing - for a wedding entourage! - and all the spends (literally S$ thousands) were channeled to another card.
Citibank doesn't seem to see sense hence lost out big time.
I aked this question to one of the bank officer when I was foghting for sonething. She said ask the merchant. I wanted to tell her yeah you are right. I doubt some of the staffs can tell especially when you are overseas not speaking their language.
Aug 30, 2015, 3:24 am
#4603
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Actually I wonder how we know the merchant is register under what type.
I aked this question to one of the bank officer when I was foghting for sonething. She said ask the merchant. I wanted to tell her yeah you are right. I doubt some of the staffs can tell especially when you are overseas not speaking their language.
I aked this question to one of the bank officer when I was foghting for sonething. She said ask the merchant. I wanted to tell her yeah you are right. I doubt some of the staffs can tell especially when you are overseas not speaking their language.
Aug 30, 2015, 3:34 am
#4604
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
A note on DCC...
I've been travelling to HKG rather frequently of late and noticed there's this restaurant that I dined at regularly - every time I was presented the CC slip and I ticked to be charged in HKD, I still ended up being charged in SGD via that dreadful DCC!
After a few times, I decided to 'confront' the restaurant and asked the restaurant manager how their CC chargings were done.
He actually showed me step-by-step using the CC machine... swiped the card and the machine was programmed to AUTOMATICALLY charge in the card issuing currency, regardless of what I had selected on the CC slip. There wasn't a prompt on the CC machine that gave the restaurant an ability to over-ride SGD with HKD at any time throughout the process.
I told the restaurant manager that this process was wrong. He said he would "check with his bank".
But sure enough, after I came home, I noticed that the latest restaurant bill was charged in HKD. So he did check with his bank after all, and instructed the change.
Seems that CC machines can be automatically programmed to charge in the card currency... and the merchant has to ask his acquiring bank to either revert to a prompted process or to manually over-ride a transaction to be charged in the respective local currency before it's settled.
But the challenge is... you wouldn't know whether the CC machine has been pre-programmed to convert automatically unless you actually see process happen before you... regardless of what currency choice you may tick on the CC slip!
After a few times, I decided to 'confront' the restaurant and asked the restaurant manager how their CC chargings were done.
He actually showed me step-by-step using the CC machine... swiped the card and the machine was programmed to AUTOMATICALLY charge in the card issuing currency, regardless of what I had selected on the CC slip. There wasn't a prompt on the CC machine that gave the restaurant an ability to over-ride SGD with HKD at any time throughout the process.
I told the restaurant manager that this process was wrong. He said he would "check with his bank".
But sure enough, after I came home, I noticed that the latest restaurant bill was charged in HKD. So he did check with his bank after all, and instructed the change.
Seems that CC machines can be automatically programmed to charge in the card currency... and the merchant has to ask his acquiring bank to either revert to a prompted process or to manually over-ride a transaction to be charged in the respective local currency before it's settled.
But the challenge is... you wouldn't know whether the CC machine has been pre-programmed to convert automatically unless you actually see process happen before you... regardless of what currency choice you may tick on the CC slip!
Aug 30, 2015, 4:38 am
#4605
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,802
I've been travelling to HKG rather frequently of late and noticed there's this restaurant that I dined at regularly - every time I was presented the CC slip and I ticked to be charged in HKD, I still ended up being charged in SGD via that dreadful DCC!
After a few times, I decided to 'confront' the restaurant and asked the restaurant manager how their CC chargings were done.
He actually showed me step-by-step using the CC machine... swiped the card and the machine was programmed to AUTOMATICALLY charge in the card issuing currency, regardless of what I had selected on the CC slip. There wasn't a prompt on the CC machine that gave the restaurant an ability to over-ride SGD with HKD at any time throughout the process.
I told the restaurant manager that this process was wrong. He said he would "check with his bank".
But sure enough, after I came home, I noticed that the latest restaurant bill was charged in HKD. So he did check with his bank after all, and instructed the change.
Seems that CC machines can be automatically programmed to charge in the card currency... and the merchant has to ask his acquiring bank to either revert to a prompted process or to manually over-ride a transaction to be charged in the respective local currency before it's settled.
But the challenge is... you wouldn't know whether the CC machine has been pre-programmed to convert automatically unless you actually see process happen before you... regardless of what currency choice you may tick on the CC slip!
After a few times, I decided to 'confront' the restaurant and asked the restaurant manager how their CC chargings were done.
He actually showed me step-by-step using the CC machine... swiped the card and the machine was programmed to AUTOMATICALLY charge in the card issuing currency, regardless of what I had selected on the CC slip. There wasn't a prompt on the CC machine that gave the restaurant an ability to over-ride SGD with HKD at any time throughout the process.
I told the restaurant manager that this process was wrong. He said he would "check with his bank".
But sure enough, after I came home, I noticed that the latest restaurant bill was charged in HKD. So he did check with his bank after all, and instructed the change.
Seems that CC machines can be automatically programmed to charge in the card currency... and the merchant has to ask his acquiring bank to either revert to a prompted process or to manually over-ride a transaction to be charged in the respective local currency before it's settled.
But the challenge is... you wouldn't know whether the CC machine has been pre-programmed to convert automatically unless you actually see process happen before you... regardless of what currency choice you may tick on the CC slip!
Most importantly I would like to see the acquiring bank if possible