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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 Jun 9, 17, 10:48 am
  #7021  
 
Join Date: Jun 2013
Location: Singapore
Programs: HHonors Gold; Accor Plat; SQ/TG
Posts: 111
Just used CardUp to pay my condo maintenance fees - charged on June 7th and appeared on my statement today. Got the full 4 miles / S$ via UOB PPV

Faster going to pay taxes now before the 2k UNI$ / month limit hits!
Aeran is offline  
Old Jun 9, 17, 3:25 pm
  #7022  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 3,364
Originally Posted by vsepr View Post
Please visit terms and conditions for the revised online merchant categories eligible for 10X UNI$ rewards and change in cap on 10X UNI$ from UNI$24,000 annually to UNI$2,000 monthly, effective 3 Jul 2017.

http://www.uob.com.sg/assets/pdfs/te...-plat-visa.pdf
Singaporean banks are getting so petty and intentionally making difficult for customers to use their products.
carrotjuice is offline  
Old Jun 9, 17, 11:23 pm
  #7023  
 
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
Originally Posted by Aeran View Post
Just used CardUp to pay my condo maintenance fees - charged on June 7th and appeared on my statement today. Got the full 4 miles / S$ via UOB PPV

Faster going to pay taxes now before the 2k UNI$ / month limit hits!
Are you saying with Card up you can set up payment to IRAS for income tax, for example? I mean 2.6% aside, wasn't aware that could actually work.
demue is offline  
Old Jun 10, 17, 1:55 am
  #7024  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 3,364
Originally Posted by demue View Post
Are you saying with Card up you can set up payment to IRAS for income tax, for example? I mean 2.6% aside, wasn't aware that could actually work.
Isn't that the whole point of cardup and ipaymy? To convert normal transactions (with bona fide reason for payment - so there is no money laundering) to cardable spendings thus enabling the payers to earn miles and points. Whether the miles are worth the 2.6% is the question...
carrotjuice is offline  
Old Jun 10, 17, 5:01 am
  #7025  
 
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
Originally Posted by carrotjuice View Post
Isn't that the whole point of cardup and ipaymy? To convert normal transactions (with bona fide reason for payment - so there is no money laundering) to cardable spendings thus enabling the payers to earn miles and points. Whether the miles are worth the 2.6% is the question...
Sure, just didn't compute on my end that it could be used for IRAS. Not a cardup user so am not sure how payee setup works. Usually for internet banking when it comes to IRAS it is available for selection from a list of payees. I wouldn't even know what bank / routing / account numbers to use (aside from the NRIC) in that case. To be explored, but with a ~1k limit monthly on PPV and the 2.6% this really requires some tenacity .
demue is offline  
Old Jun 10, 17, 5:05 am
  #7026  
 
Join Date: Jan 2016
Location: Singapore
Programs: KF, SPG Gold
Posts: 177
Originally Posted by demue View Post
Sure, just didn't compute on my end that it could be used for IRAS. Not a cardup user so am not sure how payee setup works. Usually for internet banking when it comes to IRAS it is available for selection from a list of payees. I wouldn't even know what bank / routing / account numbers to use (aside from the NRIC) in that case. To be explored, but with a ~1k limit monthly on PPV and the 2.6% this really requires some tenacity .
Note that Cardup will not get 10x on PPV from July. TnCs have been updated.
spk307 is offline  
Old Jun 10, 17, 10:17 pm
  #7027  
 
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
Originally Posted by spk307 View Post
Note that Cardup will not get 10x on PPV from July. TnCs have been updated.
Thanks, pretty much means its "dead" as no one in their right mind would pay 2.6% then.
demue is offline  
Old Jun 11, 17, 3:28 am
  #7028  
 
Join Date: Mar 2008
Posts: 8
Originally Posted by spk307 View Post
Note that Cardup will not get 10x on PPV from July. TnCs have been updated.
Where exactly in the TnC does it say that CardUp is excluded ?

CU is using 4816 and 4816 is one of the approved MCCs from July onwards.
eddie_001 is offline  
Old Jun 11, 17, 4:02 am
  #7029  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 3,364
UOB PPAmex for dining...

I've lost count how many time I've had to assert to UOB to claim 4 MPD for dining at restaurants and cafes, but establishments in malls (Japan, Korea) and hotels (almost everywhere) don't track properly.

A typical conversation would go like this...

Me: I'm not receiving 4 MPD for these dining transactions.

CSO: That's because these merchants are not under restaurants and dining MCCs.

Me: But it's impossible for me to know what MCC a particular establishment is recorded under. The servers won't know, even the restaurant manager is unlikely to know. If I'm made aware of this information when presented the bill, then I would've chosen to use a different card.

CSO: I understand.

Me: On that basis I demand to be given 4 MPD for my dining transactions because they were at real restaurants and cafes.

CSO: I will raise a request to the product manager.

Some days later, I'd receive a call back.

CSO: The product manager has declined your claim because the merchants are not charged to dining related MCCs.

Me: (angry that I've to repeat myself but insistent) Raise it to your business head please and stop wasting time with the product manager!

CSO: I understand. I will try again.

Usually this interaction would have to repeat several times before UOB finally agrees to give me the 4 MPD.

Not sure if it's because the CSO is unable to explain the situation to the product manager (I imagine a typical email routed to them would be basic: customer wants 4MPD on these dining transactions - without further explanation) even though they claim they "understand". Very frustrating.

Last edited by carrotjuice; Jun 11, 17 at 4:08 am
carrotjuice is offline  
Old Jun 11, 17, 10:04 am
  #7030  
 
Join Date: Jul 2005
Location: SIN and wandering.
Posts: 1,549
Originally Posted by carrotjuice View Post
I've lost count how many time I've had to assert to UOB to claim 4 MPD for dining at restaurants and cafes, but establishments in malls (Japan, Korea) and hotels (almost everywhere) don't track properly.

A typical conversation would go like this...

Me: I'm not receiving 4 MPD for these dining transactions.

CSO: That's because these merchants are not under restaurants and dining MCCs.

Me: But it's impossible for me to know what MCC a particular establishment is recorded under. The servers won't know, even the restaurant manager is unlikely to know. If I'm made aware of this information when presented the bill, then I would've chosen to use a different card.

CSO: I understand.

Me: On that basis I demand to be given 4 MPD for my dining transactions because they were at real restaurants and cafes.

CSO: I will raise a request to the product manager.

Some days later, I'd receive a call back.

CSO: The product manager has declined your claim because the merchants are not charged to dining related MCCs.

Me: (angry that I've to repeat myself but insistent) Raise it to your business head please and stop wasting time with the product manager!

CSO: I understand. I will try again.

Usually this interaction would have to repeat several times before UOB finally agrees to give me the 4 MPD.

Not sure if it's because the CSO is unable to explain the situation to the product manager (I imagine a typical email routed to them would be basic: customer wants 4MPD on these dining transactions - without further explanation) even though they claim they "understand". Very frustrating.
Hotel dining outlets MCC falls under hotels, not under restaurants, that's why you don't get the 4mpd. Did u manage to get the 4mpd after getting the CSO to speak with the product manager for this category?

Frankly speaking, I reduced my usage of PP Amex now that Paywave is more prevalent. If I can pay using Paywave at a dining outlet, I rather do that than try to decide if this dining outlet allows me to get 4MPD.
SQ319 is offline  
Old Jun 11, 17, 3:43 pm
  #7031  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 3,364
Originally Posted by SQ319 View Post
Hotel dining outlets MCC falls under hotels, not under restaurants, that's why you don't get the 4mpd. Did u manage to get the 4mpd after getting the CSO to speak with the product manager for this category?
Not true that all restaurants in hotels are under the hotel MCC. That's why it's impossible to know in advance of dishing out your card whether you should or not.

And why it's particularly irritating whenever it happens and UOB just says "ooops you didn't get 4 MPD, tough luck" and the paper pushing CSO who say they "understand" yet doesn't convey to the product manager clearly that to expect a cardholder or restaurant to know at the time of signing the bill is an unrealistic impossibility, and finally to the product manager who doesn't at all understand the client experience who gleefully rejects such claims "by the book" aggravates the customer further.

I always get UOB to honour 4 MPD even if it has taken me a few rounds of to and fro with the product manager, of in some cases when they don't "get it" I'd demand to be escalated to the credit card head failing which I'd be writing a complaint to MAS.

Same with Citibank - a notable case was when I spent thousands of dollars at a tailor to make a few suits and shirts, and used the Citibank Rewards card, but they denied that it was a place for "clothes, shoes and handbags" (what else but a tailor would sell but clothes?) and I finally got them to honour 4 MPD too.

Still it shouldn't have to be so difficult!

Last edited by carrotjuice; Jun 11, 17 at 3:49 pm
carrotjuice is offline  
Old Jun 11, 17, 3:51 pm
  #7032  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 3,364
Originally Posted by SQ319 View Post
Frankly speaking, I reduced my usage of PP Amex now that Paywave is more prevalent. If I can pay using Paywave at a dining outlet, I rather do that than try to decide if this dining outlet allows me to get 4MPD.
Unfortunately I had maxed out my PPV paywave already with Cardup (back in Feb when they had a brief 0% commission promo). Or the restaurant doesn't support paywave. Also oftentimes the restaurant bill will be more than $100 when you can't just paywave.
carrotjuice is offline  
Old Jun 11, 17, 7:36 pm
  #7033  
 
Join Date: Mar 2015
Programs: HH Diamond, IHG Plat, GHA Black
Posts: 1,621
With the KF devaluation, what value are you guys placing on a KF mile (for purposes of deciding what to "buy" them at)?

I got my Citi Prestige application approved, elected to pay the first year s$525 for the 25,000 miles (2.1c/mile). Wondering if that's a wise choice given that I think KF miles are only "worth" like barely over 3c/mile (for J redemptions) nowadays.
shuigao is offline  
Old Jun 11, 17, 10:23 pm
  #7034  
 
Join Date: Jan 2016
Location: SIN
Posts: 352
Originally Posted by shuigao View Post
With the KF devaluation, what value are you guys placing on a KF mile (for purposes of deciding what to "buy" them at)?

I got my Citi Prestige application approved, elected to pay the first year s$525 for the 25,000 miles (2.1c/mile). Wondering if that's a wise choice given that I think KF miles are only "worth" like barely over 3c/mile (for J redemptions) nowadays.
The devaluation isnt that bad, given that YMMV, there is still value to be found. And hey, less taxes too!

I still choose to earn KF miles even though I have literally become ex-sin (relocated temporarily)
ExSin is offline  
Old Jun 12, 17, 6:06 am
  #7035  
 
Join Date: Mar 2013
Location: singapore, the netherlands
Programs: SQ PPS, KLM Platinum, Air Berlin gold, HHonors Gold, SPG gold
Posts: 81
Originally Posted by sandyph View Post
mind sharing what chain is this? I know that Hilton give you 1 free night if you book 5 nights but only with points, so will not be able to use the Citi Prestige concierge ?
There are several but the free nights generally vary across properties. Some examples I've booked:

Four Seasons
Small Luxury Hotels (various independents)
Ritz

Look out for free night offers while booking and ask the Citi concierge to book the rate for you so you're eligible for the Citi night free, in addition.
tingadingling is offline  

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