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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 Aug 9, 17, 2:50 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: 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)***
============
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$. Stop when you notice you earn 3UNI$ (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 21, 17, 6:42 am
  #6661  
 
Join Date: Jun 2016
Posts: 53
UOB Reserve card benefit

The Reserve card offers members an option to purchase miles anytime or pay taxes to earn miles. This unique feature makes it one of the fastest miles-earning cards in the market. Apart from that, members can also enjoy dedicated Concierge services, complimentary golf and health screening and even use the card to buy big ticket items like cars or fine art to earn an extraordinary amount of points.

A complete list of its benefits are as follows:


High Earn Rate (Air miles)
· Local - $1 = 1.6 miles
· Overseas - $1 = 2 miles
· Upon signing up, obtain 100,000 miles upfront

Do note that if you hit min spend of $250,000 for one year, you earn bonus 100,000 miles when you renew for the 2nd year. Spend can comprise of Tax and regular/business expenses. Yes, you can pay income or property tax with this card and earn miles!

Tax Facility
· Pay Income and /or Property Tax and earn $1 = 1mile
· Subject to 1 off processing fee of 1.6%
· Produce latest NOA and receive funds (1-lump sum) in 7 working days after the amount is drawn down from card’s Credit Limit
· Opt to pay back to UOB over 1 or 12 months @ ZERO interest rate

Purchase miles Facility (also known as ‘Pay Anything’)
· Earn $1 = 1mile
· Subject to 1 off processing fee of 1.9%
· Receive funds (1-lump sum) in 7 working days after the amount is drawn down from card’s Credit Limit
· Opt to pay back to UOB over 1 or 12 months @ ZERO interest rate

Access
· Enjoy unlimited exclusive access to members-only Tower Club and China Club in Singapore where you can enjoy 50% off Dim Sum every Saturday at the Tower Club
· Enjoy unlimited access to Home House and Eight Members Club, London UK
· Access to Privilege Banking Suites in Singapore
· Free 4 rounds of golf at Sentosa ever year (worth $1.6k)
· Free health screening every year (worth $600)
· 1-for-1 discounts at Grand Hyatt Singapore restaurants
· Complimentary one way car transfer for any minimum spend of S$5,000 for packages

Hotels
· Prestigious Hilton HHonors Gold membership
· Enjoy Complimentary room upgrades if avail, welcome amenities up to USD100 and daily breakfast at the prestigious Starwood Hotels & Resorts and Ritz Carlton
· Enjoy automatic room upgrades, complimentary daily breakfast, late check out and Best Room Rate guarantee at any Visa Luxury Hotel Collection brands like Park Hyatt, Aman Resorts and Six Senses etc

4) Flights
· Unlimited VIP airport lounge access at over 1000 Priority PassTM lounges worldwide
· Exclusive tie-ups with Singapore Airlines (2-to-go companion fares on Business/First/Suites). You are then entitled to welcome amenities including:-
1. US$1M comprehensive travel insurance coverage including flight/luggage delays and purchase protection
2. 1-way limousine transfer to the airport
3. 1 night free stay at selected Mandarin Oriental Hotels with spending benefit of USD100 and free daily breakfast for 2 pax


The annual fee on this card is $3,852 with GST and comes with 2 supplementary cards for free. You get 100,000 miles upon signing and every year upon renewal.
Ghost07 is offline  
Old Jan 21, 17, 9:44 am
  #6662  
 
Join Date: Dec 2007
Programs: Star Alliance
Posts: 4,724
Originally Posted by pbl22 View Post
My 15 month stint in Singapore is coming to an end next week and, while I love the place, these sorts of illogical, nonsensical occurrences (which seem to occur quite frequently, especially with banks) will be something I'm pleased to leave behind.
While I can write a book 'How Not To Treat Your Customers' based on my interactions with Singapore HSBC, I can tell you guys that you DO NOT want to deal with banks in other countries of the region...
invisible is offline  
Old Jan 21, 17, 7:59 pm
  #6663  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: A3*S, LH, SQ, BA, IHG Spire AMB, HH Gold, Marriot Silver
Posts: 4,960
Haha, fair enough. Had some interesting banking experiences in Thailand and Indonesia, so I hear you.
demue is offline  
Old Jan 24, 17, 5:08 am
  #6664  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Citi - Expedia promo

Any news on Expedia Citi promo (6x) getting extended?

I've an airline spend coming up in Feb - would be good to rack up miles using 6x promo.. And dont want to rush through by the 31st Jan timeline..


Also - any other promo's worth looking at ? (no more Amex KF for me)...

Last edited by ExSin; Jan 24, 17 at 5:49 am
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Old Jan 24, 17, 7:58 am
  #6665  
Original Poster
 
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 4,873
Originally Posted by ExSin View Post
Any news on Expedia Citi promo (6x) getting extended?
I believe UOB had a deal until the end of the year and then did an extension to it that takes us to the end of March: http://www.uob.com.sg/personal/promo...ia-yrlong.html

Maybe Citi will do the same? How is Citi with crediting the bonus points btw? Is there a wait for the additional points or are they credited instantly along with the standard points?

Edit: posted the wrong link. The promo at UOB is until the end of Feb: http://www.uob.com.sg/personal/cards...ard/microsite/

Last edited by aster; Jan 24, 17 at 8:17 am Reason: Correction in link
aster is offline  
Old Jan 24, 17, 8:27 am
  #6666  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Originally Posted by aster View Post
I believe UOB had a deal until the end of the year and then did an extension to it that takes us to the end of March: http://www.uob.com.sg/personal/promo...ia-yrlong.html

Maybe Citi will do the same? How is Citi with crediting the bonus points btw? Is there a wait for the additional points or are they credited instantly along with the standard points?

Edit: posted the wrong link. The promo at UOB is until the end of Feb: http://www.uob.com.sg/personal/cards...ard/microsite/

Thanks mate!
ExSin is offline  
Old Jan 24, 17, 6:00 pm
  #6667  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: A3*S, LH, SQ, BA, IHG Spire AMB, HH Gold, Marriot Silver
Posts: 4,960
Regarding Expedia promos, I just saw below in my email inbox. Am holding a KF Amex Ascend for what it's worth.

Time to pack your suitcase and leave the hectic world behind. From 1 January 2017 to 30 June 2017, American Express is pleased to offer you a 10% savings on Expedia Rate hotel bookings with stay period from 1 January 2017 to 31 March 2018.

Seems pretty useless if I look at the list of non-eligible hotels in the T&Cs:

https://www.expedia.com.sg/g/rf/coup...&om_lid=amex23

Last edited by demue; Jan 24, 17 at 6:06 pm
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Old Jan 24, 17, 7:25 pm
  #6668  
 
Join Date: May 2012
Location: Singapore
Programs: JL Premier | Marriott Platinum Elite | GE, TSA-Pre
Posts: 6,662
Originally Posted by demue View Post
Regarding Expedia promos, I just saw below in my email inbox. Am holding a KF Amex Ascend for what it's worth.

Time to pack your suitcase and leave the hectic world behind. From 1 January 2017 to 30 June 2017, American Express is pleased to offer you a 10% savings on Expedia Rate hotel bookings with stay period from 1 January 2017 to 31 March 2018.

Seems pretty useless if I look at the list of non-eligible hotels in the T&Cs:

https://www.expedia.com.sg/g/rf/coup...&om_lid=amex23
Quite true, the list is extensive and covers all the major hotel chains too. Only benefits those stand alone ones....
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Old Jan 24, 17, 10:33 pm
  #6669  
 
Join Date: Jan 2008
Location: Singapore
Programs: SPG Lifetime Gold
Posts: 247
Originally Posted by aster View Post
Maybe Citi will do the same? How is Citi with crediting the bonus points btw? Is there a wait for the additional points or are they credited instantly along with the standard points?

I will have to check on this to see if mine was actually credited or not. I only did one charge during the Citi Expedia promo because the charge is processed outside of Singapore (even though its in SGD), so I got hit with an additional fee. Given that, I prefer using USD cards for Expedia transactions.
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Old Jan 24, 17, 11:09 pm
  #6670  
 
Join Date: Feb 2016
Location: SIN;CGK
Programs: HH Dia;SPG Plat;Marriott Plat;GHA Black
Posts: 282
Originally Posted by aster View Post
How is Citi with crediting the bonus points btw? Is there a wait for the additional points or are they credited instantly along with the standard points?
mine get credited at the same time as the base points
sandyph is offline  
Old Jan 25, 17, 4:56 am
  #6671  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Originally Posted by sandyph View Post
mine get credited at the same time as the base points

same here. Instantly posted.
ExSin is offline  
Old Jan 25, 17, 10:37 am
  #6672  
 
Join Date: Aug 2003
Location: Singapore
Programs: SIA PPS, OZ Asiana Club, CX MPC, IHG Royal Amb, SPG Gold, Hilton Silver
Posts: 1,924
Just checking if anyone has redeemed the Double KrisFlyer Miles Accrual Voucher before given under the AMEX KrisFlyer Ascend Credit Card?

I have received the voucher via email and followed the steps as provided to redeem the 5,000miles:
https://icm.aexp-static.com/Internet...lyerAscend.pdf

To redeem this one-off benefit, kindly:

- Contact the KrisFlyer Membership Services hotline at +65 67898188 after your flight travel to provide the itinerary details (e.g. flight number, flight date, sectors, Electronic Ticket number, etc.); and
- Inform the agent that you would like to enjoy your American Express Singapore Airlines KrisFlyer Ascend Credit Card Double KrisFlyer Miles Accrual Benefit.


I called the KF hotline and the staff seems very clueless on this benefit and have advised to call me back again within 24 hours.
hclee01 is offline  
Old Jan 31, 17, 10:00 am
  #6673  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Bump up for the sake of bump up.

(cannot 'not-see' this page on SQ KF FT home thread list without scrolling next)

and Happy CNY to all bro/ sis here.
ExSin is offline  
Old Jan 31, 17, 2:29 pm
  #6674  
Moderator, El Al and Marriott Bonvoy
Hyatt Contributor BadgeMarriott Contributor Badge
 
Join Date: Feb 2005
Location: SIN
Programs: TG*G, Mar LTBT, Hyatt Glb, AA PLT-LTG, LY, HH, IC, BA, DL, UA SLV
Posts: 11,105
Anyone have any advice for opening up new savings accounts and getting miles or special perks?
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Old Jan 31, 17, 4:24 pm
  #6675  
 
Join Date: Apr 2015
Location: Singapore
Programs: Krisflyer Gold, Starwood Gold, Hilton Gold
Posts: 434
Originally Posted by yosithezet View Post
Anyone have any advice for opening up new savings accounts and getting miles or special perks?
I think it very much depends on how much you have to save. If you are a High Net Worth customer all sorts of things are possible, otherwise not so much with base rates still so low.
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