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
Mar 24, 2016, 5:11 am
#5266
Join Date: Apr 2007
Location: Anywhere
Posts: 6,571
Mar 24, 2016, 6:57 am
#5268
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
The FEVO and M1 Prepaid MasterCard should still work right? You pay 1% topup fees but for the flexibility it offers via DBS WMC it is still very worth it IMHO...
Mar 24, 2016, 7:49 am
#5269
Join Date: Apr 2007
Location: Anywhere
Posts: 6,571
The alternative I use is Citi Prestige MC. With over 10 years Citigold bonus, my miles earning rate is 1.69 mile per $1 local spend. Even by topping up and paying 1%, this works out to purchasing incremental miles at $4.33 per 1,000 miles.
For those without Citi Prestige MC, the rightful comparison would be ANZ Travel Visa or UOB PRVI MC, that earns 1.4 mile per $1 local spend. So topping up works out to a more favourable cost of $3.85 per 1,000 miles.
Mar 25, 2016, 9:30 pm
#5270
Join Date: Oct 2011
Posts: 143
That is quite true.
The alternative I use is Citi Prestige MC. With over 10 years Citigold bonus, my miles earning rate is 1.69 mile per $1 local spend. Even by topping up and paying 1%, this works out to purchasing incremental miles at $4.33 per 1,000 miles.
For those without Citi Prestige MC, the rightful comparison would be ANZ Travel Visa or UOB PRVI MC, that earns 1.4 mile per $1 local spend. So topping up works out to a more favourable cost of $3.85 per 1,000 miles.
The alternative I use is Citi Prestige MC. With over 10 years Citigold bonus, my miles earning rate is 1.69 mile per $1 local spend. Even by topping up and paying 1%, this works out to purchasing incremental miles at $4.33 per 1,000 miles.
For those without Citi Prestige MC, the rightful comparison would be ANZ Travel Visa or UOB PRVI MC, that earns 1.4 mile per $1 local spend. So topping up works out to a more favourable cost of $3.85 per 1,000 miles.
The loyalty bonus is calculated by applying the percentage to your annual spending and awarding that amount in Citi dollars. Ie, if you spent $50k on the card with the max 30% bonus, you get 15k citidollars. 1 Citi dollar is 0.4 miles so you are getting 6k miles.
Basically, your effective earn rate is 1.3 + (0.3 X 0.4) or 1.42, NOT 1.69 (which is 1.3 + (0.3 x 1.3).
Finally why would you top up the Fevo card with a general earning card when you could just charge to the card and earn the same rate without paying the surcharge?
Mar 26, 2016, 5:41 pm
#5271
Join Date: Apr 2007
Location: Anywhere
Posts: 6,571
Actually that's not right.
The loyalty bonus is calculated by applying the percentage to your annual spending and awarding that amount in Citi dollars. Ie, if you spent $50k on the card with the max 30% bonus, you get 15k citidollars. 1 Citi dollar is 0.4 miles so you are getting 6k miles.
Basically, your effective earn rate is 1.3 + (0.3 X 0.4) or 1.42, NOT 1.69 (which is 1.3 + (0.3 x 1.3).
Finally why would you top up the Fevo card with a general earning card when you could just charge to the card and earn the same rate without paying the surcharge?
The loyalty bonus is calculated by applying the percentage to your annual spending and awarding that amount in Citi dollars. Ie, if you spent $50k on the card with the max 30% bonus, you get 15k citidollars. 1 Citi dollar is 0.4 miles so you are getting 6k miles.
Basically, your effective earn rate is 1.3 + (0.3 X 0.4) or 1.42, NOT 1.69 (which is 1.3 + (0.3 x 1.3).
Finally why would you top up the Fevo card with a general earning card when you could just charge to the card and earn the same rate without paying the surcharge?
To your second question, topping up Fevo using DBS WC will be considered "online spend" that attracts 4 miles per $1. Whereas spending directly using the DBS WC at physical merchants won't.
Mar 26, 2016, 8:14 pm
#5272
Join Date: Oct 2011
Posts: 143
This is revelation indeed. It's my first year as Citi Prestige cardholder. Have you had the card for over a year and verified that the methodology you described is how the bonus is calculated? I had always understood the bonus is on the miles earning rate based on the miles earned on the annual spend, not the annual spend itself.
I know about Fevo. For some reason, I had read it to mean that you were going to top up the Fevo using your Citi Prestige which I couldn't understand why.
Mar 26, 2016, 8:16 pm
#5273
Join Date: Apr 2007
Location: Anywhere
Posts: 6,571
I have had the card since launch. That is exactly how it works. It is, frankly, misleading and even the T&Cs are phrased in a way to be unclear. Not very impressed with Citi on this and gave my feedback but obviously fell on deaf ears.
I know about Fevo. For some reason, I had read it to mean that you were going to top up the Fevo using your Citi Prestige which I couldn't understand why.
I know about Fevo. For some reason, I had read it to mean that you were going to top up the Fevo using your Citi Prestige which I couldn't understand why.
I had used Citi Prestige as my alternative "opportunity cost" comparison.
Mar 28, 2016, 9:26 am
#5274
Join Date: Apr 2015
Location: Singapore
Programs: Krisflyer Gold, Starwood Gold, Hilton Gold
Posts: 444
I decided to work out my real earning rate on UOB Preferred Platinum Visa last year. I found that mostly due to UOB's customer unfriendly rounding down, my real earning rate was 2.4miles/$, or $4176 to earn 5000 UNIs/10000 miles.
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
Mar 28, 2016, 10:02 am
#5275
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
I decided to work out my real earning rate on UOB Preferred Platinum Visa last year. I found that mostly due to UOB's customer unfriendly rounding down, my real earning rate was 2.4miles/$, or $4176 to earn 5000 UNIs/10000 miles.
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
Mar 28, 2016, 7:01 pm
#5276
Join Date: Feb 2015
Location: SIN
Programs: SQ Krisflyer, Hilton Gold, Best Western Diamond, SPG Gold
Posts: 155
i know march 31 is the last date for the expedia - citibank 6x miles promo to come in, but if anybody's miles do come in early..please share.
spend a bunch on expedia last quarter.
spend a bunch on expedia last quarter.
Mar 30, 2016, 10:02 am
#5277
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
I decided to work out my real earning rate on UOB Preferred Platinum Visa last year. I found that mostly due to UOB's customer unfriendly rounding down, my real earning rate was 2.4miles/$, or $4176 to earn 5000 UNIs/10000 miles.
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
While that is a lot better than the Altitudes and PRVIs, I'm really not sure its worth the hassle.
Has anyone managed to get close to 4miles/$?
- UOB Pref Plat VISA/AMEX for online/paywave/dining spend that is either just at or above the $5 round-down mark, or if it is a larger amount (over $150)
- DBS WMC topups to AMEX Imagine and M1 PMC/FEVO amounts that end in $0 or $5 (specifically, $500 --> $505 after fees for the Mastercards).
- Use prepaids for charges under $150 that have large round down values, or for non dining/online/paywave charges.
Also have a spreadsheet that tracks every charge which calculates and aggregates the amount of miles after round-down at 4 miles / S$, to catch those 0.4-0.8 mile duds and also ensure bonuses are hit (e.g. previous month 9x bonus on DBS WMC on the 16th). Cross reference the theoretical numbers against the realised points balances every few days, 99% of the time it matches. Also helps catch those sneaky 4,800 UNI$ credit card annual fees for waiver :P
Mar 30, 2016, 8:18 pm
#5278
Join Date: Feb 2010
Posts: 819
The bonus Citibank Miles/points for Expedia promotion is in today, 31 March 2016.
For Expedia transactions made before 31 Jan but cancelled after 31 Jan, the bonus miles/points are also in. I guess they calculate by the qualifying period basis. Not sure if they will be reversed out in the next qualifying period's crediting date, which is 30 June.
Mar 31, 2016, 8:09 am
#5279
Join Date: Apr 2015
Location: Singapore
Programs: Krisflyer Gold, Starwood Gold, Hilton Gold
Posts: 444
SC Visa Infinite has new sign up offer starting 1st April
https://www.sc.com/sg/credit-cards/visa-infinite/
If you ignore the Uber offer (which is actually 4x$25) this is an opportunity to buy miles at around 1.6c/mile, which is good value. No renewal miles as far as I can see though.
Receive 35,000 miles or 25,000 miles and S$100 Uber credits when you apply for the new Standard Chartered Visa Infinite Credit Card.
Annual fee of $550 (excluding GST) applies. Terms and conditions apply.
Annual fee of $550 (excluding GST) applies. Terms and conditions apply.
If you ignore the Uber offer (which is actually 4x$25) this is an opportunity to buy miles at around 1.6c/mile, which is good value. No renewal miles as far as I can see though.
Mar 31, 2016, 11:07 am
#5280
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
https://www.citibank.com.sg/gcb/cred...EMCATLHereCAAN
The bonus Citibank Miles/points for Expedia promotion is in today, 31 March 2016.
For Expedia transactions made before 31 Jan but cancelled after 31 Jan, the bonus miles/points are also in. I guess they calculate by the qualifying period basis. Not sure if they will be reversed out in the next qualifying period's crediting date, which is 30 June.
The bonus Citibank Miles/points for Expedia promotion is in today, 31 March 2016.
For Expedia transactions made before 31 Jan but cancelled after 31 Jan, the bonus miles/points are also in. I guess they calculate by the qualifying period basis. Not sure if they will be reversed out in the next qualifying period's crediting date, which is 30 June.
It looks like transactions with "EXPEDIA.CO.THES" are having this problem it seems.