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FlyerTalk Forums Thread Wiki: The 'Best credit cards for KF miles accrual' master thread
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Last edit by: vsepr
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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):
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1. UOB PRVI Miles VISA, MasterCard, AMEX

VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/



Mileage accrual:
From 15 May 2015, the earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).

Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name together for all UOB cards.

Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).

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

http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html


Mileage accrual: Earn a MASSIVE 4 miles for every $1 spent using VISA Paywave contactless payments (every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments (every $5 gives 1 UNI$ which equal 2 miles).

WARNING: From 3 July 2017, earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Paywave and online). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$. Stop when you notice you earn 3UNI$ (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

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Old Jan 4, 17, 2:33 am   #6571
  
Join Date: Feb 2016
Location: SIN;CGK
Programs: HH Gold;SPG Plat;Marriott Plat
Posts: 104
Quote:
Originally Posted by Aeran View Post
I have a friend at CardUp and asked for more information on it. Here is what they shared:

1. Some banks count the spend as online: The UOB PPV currently gives 4 miles / S$ and OCBC cards also count as online spend. However, DBS does not count it as online. Hope the banks don't change this as others have mentioned...

2. They're launching a "first payment for free" promo for new users next week for the first 300 redemptions, capped at a charge of $5k SGD. Should start on Monday.

3. They'll have regular promotions with lower fees. There should be one for income tax in 2017.

4. They have more local than expat customers at the moment. The locals usually use it for condo maintenance fees to MSCTs and insurance premiums to all major insurance companies.

5. Regarding the scenario of them going out of business, all funds are held in trust for customers in a completely separate trust account to the company's operating account, so payments are essentially passed straight through.

Disclaimer: I haven't tried it out myself yet as I don't incur any of the above fees. Though if the UOB PPV still counts as online come tax season I'll give it a shot!
one question, so technically you can pay yourself (put in your bank account as the payee) ?

or will they check the account name (you can use your spouse account) ?
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Old Jan 4, 17, 8:36 am   #6572
  
Join Date: May 2012
Location: Singapore
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Posts: 6,343
Quote:
Originally Posted by sandyph View Post
hm, in my card it is posted as

*TRAVEL RESERVATION SIN PARIS FR

and there don't seems to be any miles posted :-/
It usually takes a few days to finalize the payment and merchant. So check later on the merchant and $$$ posting.
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Old Jan 4, 17, 6:38 pm   #6573
  
Join Date: Mar 2015
Programs: KF Silver (lol)
Posts: 1,357
Quote:
Originally Posted by sandyph View Post
one question, so technically you can pay yourself (put in your bank account as the payee) ?
or will they check the account name (you can use your spouse account) ?
Don't think it's a free for all payment. The website mentioned that they only allow certain payments (insurance, condo maintenance fees, etc).
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Old Jan 4, 17, 8:25 pm   #6574
  
Join Date: Feb 2016
Location: SIN;CGK
Programs: HH Gold;SPG Plat;Marriott Plat
Posts: 104
Quote:
Originally Posted by lcpteck View Post
It usually takes a few days to finalize the payment and merchant. So check later on the merchant and $$$ posting.
you're right, it have been posted now

05/01/2017 CITI PREMIERMILES Miles earned 1,933
05/01/2017 EXPEDIA ACCELERATED MILES PMV LOCAL Miles bonus 7,733



not a bad deal considering I'm paying the same fare as the garuda website

Quote:
Originally Posted by shuigao View Post
Don't think it's a free for all payment. The website mentioned that they only allow certain payments (insurance, condo maintenance fees, etc).
I was thinking that even with fee 2.6% it would be like buying miles ?
let say you transfer $4000 with PPV, you will get 16000 miles for $104 which is better than most cards annual fee miles?
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Old Jan 4, 17, 9:00 pm   #6575
  
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
Have asked about the CardUp questions and included the responses below.

Quote:
Originally Posted by vade View Post
Any chance you can check with your friend if they know HSBC counts them as online spend?
All banks consider CardUp as online transactions but whether or not the bonus is applied varies by issuer. The HSBC bonus is a promotion running until March and unfortunately CardUp isn’t currently included (although further discussions are underway). For details on specific cards they can feel free to get in touch: hello@cardup.co

Quote:
Originally Posted by sandyph View Post
one question, so technically you can pay yourself (put in your bank account as the payee) ?

or will they check the account name (you can use your spouse account) ?
For payments to individuals, supporting documentation is required and checks are in place. In the case of a rental payment this is the tenancy agreement page containing landlord name / bank account.
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Old Jan 5, 17, 5:03 am   #6576
  
Join Date: Apr 2007
Location: Anywhere
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Quote:
Originally Posted by Aeran View Post
For payments to individuals, supporting documentation is required and checks are in place. In the case of a rental payment this is the tenancy agreement page containing landlord name / bank account.
Cue wife who rents main residence from husband, and husband who rents weekend home from wife.
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Old Jan 5, 17, 6:02 am   #6577
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Quote:
Originally Posted by Aeran View Post
1. Some banks count the spend as online: The UOB PPV currently gives 4 miles / S$ and OCBC cards also count as online spend. However, DBS does not count it as online. Hope the banks don't change this as others have mentioned...
We had something similar going on in HK but eventually the banks figured out what we were doing and ended up (only mentioning banks with presence in both HK and Singapore):

HSBC: basic earn rate only. Not counted for spend promos (disputed)
SCB: suddenly no points and excluded from promo starting from April
DBS: counted as retail spend but not online
Citi: counted as retail spend. Not sure if included in promo.
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Old Jan 5, 17, 6:14 am   #6578
  
Join Date: Jan 2016
Location: SIN
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Quote:
Originally Posted by carrotjuice View Post
Cue wife who rents main residence from husband, and husband who rents weekend home from wife.
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Old Jan 5, 17, 6:39 am   #6579
  
Join Date: Jun 2016
Posts: 52
Quote:
Originally Posted by carrotjuice View Post
Cue wife who rents main residence from husband, and husband who rents weekend home from wife.
I was thinking about the same. Tenancy agreement bear the name of wife, and husband is the one to rent.
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Old Jan 5, 17, 7:18 am   #6580
  
Join Date: Aug 2015
Location: SIN, BKK, MNL, HAM, TXL
Programs: SQ Gold, AB Gold, Accor Platinum
Posts: 54
Does anyone have experiences in the Expedia promotion with 6x miles being able to double dip with Expedia+?

Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.

Can anyone confirm this?
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Old Jan 5, 17, 9:07 am   #6581
  
Join Date: May 2009
Posts: 1,135
Quote:
Originally Posted by ycp81 View Post
Terms and Conditions
• ANZ Travel Privileges Promotion: Complimentary DragonPass Lounge Access Passes and Airport Limousine vouchers will only be awarded to Principal Cardmembers of the ANZ Travel Visa Signature Credit Card and ANZ Signature Priority Visa Infinite Credit Card and is valid from 15 December 2016 to 31 March 2017 • To qualify for two (2) complimentary passes and one (1) limousine voucher, Travel Cardmembers must charge a minimum of $7,000 on retail transactions in a calendar quarter and/or SPB VI Cardmembers must charge a minimum of $3,000 on retail transactions in a calendar month.


It is not stated that the spending must be within the promo period, so maybe Oct-Dec spending could be included as well?

Confirmed that the Oct-Dec spending is included as well. Just redeemed my limo ride.
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Old Jan 5, 17, 4:38 pm   #6582
  
Join Date: Jun 2006
Location: SIN
Programs: CX DM, SQ KF
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Quote:
Originally Posted by qsharp View Post
Does anyone have experiences in the Expedia promotion with 6x miles being able to double dip with Expedia+?

Expedia offers 6x miles for UOB PRVIMiles and Citi Premiermiles for instance. When booking the travel, there is a tiny checkbox which allows you to post to Expedia+. I wonder why this is not ticked by default, i.e. who does not want to get free credit??? I can only assume that only one promotion applies.

Can anyone confirm this?
i tick that, and have been getting points on both
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Old Jan 5, 17, 7:13 pm   #6583
  
Join Date: Aug 2015
Location: SIN, BKK, MNL, HAM, TXL
Programs: SQ Gold, AB Gold, Accor Platinum
Posts: 54
Quote:
Originally Posted by jagmeets View Post
i tick that, and have been getting points on both
Oh man... I have lost so much on this by being too afraid to try it out...

Thanks for the confirmation mate!
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Old Jan 6, 17, 6:22 am   #6584
  
Join Date: Feb 2014
Posts: 31
For.the citi expedia promo link, i tried and realised there's no option to key in promo code whereas i was able to when i use the cashback/direct expedia link. Ended up i use shopback plus promo code and dbs wmc.
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Old Jan 6, 17, 9:53 am   #6585
  
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
Quote:
Originally Posted by percysmith View Post
We had something similar going on in HK but eventually the banks figured out what we were doing and ended up (only mentioning banks with presence in both HK and Singapore):

HSBC: basic earn rate only. Not counted for spend promos (disputed)
SCB: suddenly no points and excluded from promo starting from April
DBS: counted as retail spend but not online
Citi: counted as retail spend. Not sure if included in promo.
Unfortunately that seems to be the trend once an effective new method gets too popular

In the meantime, I've received an update that DBS WWMC is now giving 10x bonus for 4 miles / S$ on CardUp. Let's hope it lasts, I foresee a lot of spousal rental arrangements coming up
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