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

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

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Old Jan 31, 20, 2:46 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: SingaporeDon
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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:
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$5 spent"https://www.uob.com.sg/personal/card...visa-card.page Stop when you notice you earn 3UNI$ (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-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

============

Print Wikipost

Old Mar 3, 16, 5:10 am
  #5206  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 5,282
Originally Posted by invisible View Post
Does anybody know if citi will grant additional miles for a mixed carrier flight booked thru Expedia? Like TK+LH?
It's unlikely to track automatically. Seems many things at Citibank are still somewhat manual.

If both airlines qualify under the Citibank-Expedia promotion, then even if it doesn't track you can always submit a claim and they normally would approve based on the qualifying airlines.
carrotjuice is offline  
Old Mar 4, 16, 4:29 am
  #5207  
 
Join Date: May 2012
Location: Singapore
Programs: JL Sapphire | Marriott LT Silver | SQ Gold
Posts: 6,752
Post Citibank Rewards 20x on Qoo10

Citibank/Qoo10 Promotion valid from 4 March 2016 to 30 April 2016.

Earn 20x points on Qoo10 purchases using Citibank Rewards or Visa Card via direct payment.

Please read the T&Cs for more info.
lcpteck is offline  
Old Mar 6, 16, 12:43 am
  #5208  
 
Join Date: Oct 2014
Location: SIN
Programs: BA, SQ KF, UA MP, SPG
Posts: 19
Hello,

Can I check if AMEX Imagine can be used for payment of postage for letters at Singpost outlets? I called up Singpost to ask and CSO advised that only Cash, NETS or Cheque accepted despite me paying using ANZ Travel VISA before.

Where should I top up my AMEX Imagine using DBS WWMC to qualify for the 4miles/$1 bonus?

Thanks!
seahyile is offline  
Old Mar 6, 16, 9:35 am
  #5209  
 
Join Date: Apr 2012
Posts: 1,606
payment via eAXS gets 10x rewards for citibank rewards?
tboons is offline  
Old Mar 6, 16, 7:13 pm
  #5210  
 
Join Date: Dec 2007
Programs: Star Alliance
Posts: 6,258
Originally Posted by seahyile View Post
Hello,

Can I check if AMEX Imagine can be used for payment of postage for letters at Singpost outlets?
I last Saturday used AMEX Imagine (actually three of them) to pay for my PO BOX. Have been using Imagine card in that outlet for couple of years already.
invisible is offline  
Old Mar 6, 16, 7:43 pm
  #5211  
 
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,309
Originally Posted by tboons View Post
payment via eAXS gets 10x rewards for citibank rewards?
Yes.
Kilian Zoll is offline  
Old Mar 10, 16, 12:34 am
  #5212  
 
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,309
For what it's worth, I applied for the UOB PP Amex on the 24th Feb via the SMS method. Called today to follow up and they told me the card has been de-marketed and no new applications are accepted.

Last edited by Kilian Zoll; Mar 10, 16 at 1:31 am
Kilian Zoll is offline  
Old Mar 10, 16, 12:52 am
  #5213  
 
Join Date: Oct 2015
Posts: 55
Originally Posted by staff View Post
For what it's worth, I applied for the UOB PP Amex on the 24th Feb via the SMS method. Called today to follow up and they told me the cast has been de-marketed and no new applications are accepted.
I don't know if the calling will now void your application but it appears that sms phone call gives different result.
For my case i tried using phone method previously and they said demarketed. Then i chance upon another method which was the sms.
Tried sms method and received the card in approx 8 working days.
Tyrhung is offline  
Old Mar 10, 16, 1:32 am
  #5214  
 
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,309
Originally Posted by Tyrhung View Post
I don't know if the calling will now void your application but it appears that sms phone call gives different result.
For my case i tried using phone method previously and they said demarketed. Then i chance upon another method which was the sms.
Tried sms method and received the card in approx 8 working days.
Are you saying it may be worth applying again using the SMS method?

What date did you apply for and receive yours?
Kilian Zoll is offline  
Old Mar 10, 16, 1:57 am
  #5215  
 
Join Date: May 2013
Posts: 79
Originally Posted by staff View Post
Are you saying it may be worth applying again using the SMS method?

What date did you apply for and receive yours?
Just sharing my experience.

I applied for the UOB PP Amex on 24th Feb via SMS, and received mine about a week later on 3rd or 4th Mar.

Only activate the Amex, but has yet to use it.
tingtongbells is offline  
Old Mar 10, 16, 2:34 am
  #5216  
 
Join Date: Aug 2012
Programs: HHonors Diamond, SPG Plat, Avis PC, Hertz PC
Posts: 109
Originally Posted by staff View Post
Are you saying it may be worth applying again using the SMS method?

What date did you apply for and receive yours?
as per this link, quite a few people have reported successful applications via sms, some as recent as last week

http://milelion.com/2016/02/27/uob-p...dead-or-alive/
awxm88 is offline  
Old Mar 10, 16, 2:52 am
  #5217  
 
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,309
Originally Posted by awxm88 View Post
as per this link, quite a few people have reported successful applications via sms, some as recent as last week

http://milelion.com/2016/02/27/uob-p...dead-or-alive/
Are everyone who had their SMS applications approved citizens/PRs? I'm on an EP, and I'm not sure if that means they have another 'line of defense' when it comes to automated approvals.
Kilian Zoll is offline  
Old Mar 10, 16, 3:09 am
  #5218  
 
Join Date: Aug 2012
Programs: HHonors Diamond, SPG Plat, Avis PC, Hertz PC
Posts: 109
Originally Posted by staff View Post
Are everyone who had their SMS applications approved citizens/PRs? I'm on an EP, and I'm not sure if that means they have another 'line of defense' when it comes to automated approvals.
interesting. no idea- the sms format seems to require your NRIC, which only singaporeans have. I believe foreigners could enter whatever their equivalent number is (ie what number do you give the bank when you sign up) and try...
awxm88 is offline  
Old Mar 10, 16, 4:49 pm
  #5219  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Originally Posted by tingtongbells View Post
Just sharing my experience.

I applied for the UOB PP Amex on 24th Feb via SMS, and received mine about a week later on 3rd or 4th Mar.

Only activate the Amex, but has yet to use it.
To add, same Timelines around same dates for me.

Applied just for the heck of it.
ExSin is offline  
Old Mar 13, 16, 9:32 pm
  #5220  
 
Join Date: Oct 2015
Posts: 55
Originally Posted by staff View Post
Are you saying it may be worth applying again using the SMS method?

What date did you apply for and receive yours?
Can't exactly remember the date that i applied. But it is around mid february 2016. Got the card in my mailbox approx 7 business days later.
Tyrhung is offline  

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