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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
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I'm going to update this first post as more info flows in to create a 'master list' of all credit cards that offer a decent way of accruing miles - so please help out!

If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.

***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
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In no particular order (apart from personal preference in terms of good-mileage opportunities):
============

1. UOB PRVI Miles VISA, MasterCard, AMEX

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



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

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

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

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

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


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

WARNING: From 3 July 2017, earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Paywave and online). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$. Stop when you notice you earn 3UNI$ (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 Sep 16, 17, 3:51 am
  #7276  
 
Join Date: Jan 2016
Location: Singapore
Programs: KF, SPG Gold
Posts: 172
Originally Posted by lifeonthego_k View Post
Hi,

I do not have an existing UOB bank account and have been trying to apply for the PPV and Preferred Visa Cards via the online application. Over the course of the last 3 months, I've tried multiple browsers on both Mac, and Windows but on each the application doesn't go through - after uploading the required documents I click 'continue' and then nothing happens.

Has this happened to anyone here and were you able to find a workaround?

I went to the Branch and they said it's only possible to apply for those cards online. The customer hotline can't help me and direct me back to the branch. I know that existing UOB account holders are able to apply for these two cards via online banking. Now I'm thinking I might just need to open a bank account with UOB to apply for these two cards.

Thanks in advance for your advice and suggestions!

if all else fails, go to their branch and apply for a basic credit card. A savings or current account will also help the application. Once you get the account and credit limit etc, it's easier to apply for premium cards. At least that's what I was informed.

Unfortunately UOB was unable to 'find' my credit report and rejected my application for basic card. This when I was able to get cards from Citi, Amex and DBS.
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Old Sep 18, 17, 2:53 am
  #7277  
 
Join Date: Mar 2015
Programs: KF Silver (lol)
Posts: 1,551
Originally Posted by SQ319 View Post
Which cards do you use for Grab/Uber??
Well, Citi cards are probably not the best choice, as they charge 0.08% DCC fee on Uber (but you only get local mpd).
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Old Sep 18, 17, 3:26 am
  #7278  
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Join Date: Feb 2005
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Originally Posted by Wadexis View Post
What a lousy customer experience UOB has. Unbelievable.
It doesn't get better when you have more and more money with them. Only worse.
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Old Sep 18, 17, 3:35 am
  #7279  
 
Join Date: May 2003
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Programs: QF LTG, SQ EGTP, MH Silver, SPG Gold
Posts: 3,808
Originally Posted by shuigao View Post
Well, Citi cards are probably not the best choice, as they charge 0.08% DCC fee on Uber (but you only get local mpd).
But not for Grab, as payments processed locally, so they are fine for Grab. Which IMHO, is better than uber in SG anyway. BTW it's a 0.8% DCC fee, not 0.08% ...
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Old Sep 18, 17, 4:02 am
  #7280  
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Originally Posted by SQ319 View Post
Which cards do you use for Grab/Uber??
DBS WWMC. Don't they earn 4mpd?
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Old Sep 18, 17, 6:49 am
  #7281  
 
Join Date: Mar 2017
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Programs: QR Platinum (OWE), TK Classic Plus, Taj Gold, Shangri-La Jade, Hilton Gold
Posts: 268
Originally Posted by gummibar View Post
DBS WWMC. Don't they earn 4mpd?
they do.
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Old Sep 18, 17, 9:23 pm
  #7282  
 
Join Date: Mar 2015
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Originally Posted by invisible View Post
I was told that transactions made with cardup are coded as cash advance.
That's quite a d*ck move on Citi's part, especially considering that they're now also advertising CardUp promo for their prestige cardholders (0% card up fee for $5000 for new CardUp users).

I don't pay rent, though, so don't know how to take advantage of this promo. Sign up and randomly send $5000 to my wife?
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Old Sep 18, 17, 9:54 pm
  #7283  
 
Join Date: Jul 2012
Location: SIN
Posts: 61
Originally Posted by shuigao View Post
That's quite a d*ck move on Citi's part, especially considering that they're now also advertising CardUp promo for their prestige cardholders (0% card up fee for $5000 for new CardUp users).

I don't pay rent, though, so don't know how to take advantage of this promo. Sign up and randomly send $5000 to my wife?
But then she'd have to pay income tax on it as it would be rental income no?
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Old Sep 19, 17, 12:01 am
  #7284  
 
Join Date: Mar 2017
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Originally Posted by shuigao View Post
I don't pay rent, though, so don't know how to take advantage of this promo. Sign up and randomly send $5000 to my wife?
That will not be possible as Cardup requires you to have a bona fide transaction before you can use their platform (eg a condo bill, a school fees invoice, a rental agreement). You need to upload a contract or some documentation proof of why you are making the transfer.
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Old Sep 19, 17, 12:04 am
  #7285  
 
Join Date: Mar 2017
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Originally Posted by invisible View Post
If anyone made transaction with cardup in aug/sep on Citi PM please check statement. If I am not alone, you should be seeing it too, and if I am alone, then they are pulling my leg.
I can confirm as well - used Citi PM for paying rent in Sept and got the 1.2x miles credited into my account.
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Old Sep 19, 17, 12:22 am
  #7286  
 
Join Date: Mar 2015
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Originally Posted by Wadexis View Post
But then she'd have to pay income tax on it as it would be rental income no?
Originally Posted by lifeonthego_k View Post
That will not be possible as Cardup requires you to have a bona fide transaction before you can use their platform (eg a condo bill, a school fees invoice, a rental agreement). You need to upload a contract or some documentation proof of why you are making the transfer.
Ah, no chance to get some free miles then.

Originally Posted by lifeonthego_k View Post
I can confirm as well - used Citi PM for paying rent in Sept and got the 1.2x miles credited into my account.
IINM, invisible is asking whether you got hit with finance charges on the CardUp transaction -- it appears that for him, CardUp txns are posting as cash advances for some reason.
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Old Sep 19, 17, 2:17 am
  #7287  
 
Join Date: Mar 2017
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Originally Posted by shuigao View Post
IINM, invisible is asking whether you got hit with finance charges on the CardUp transaction -- it appears that for him, CardUp txns are posting as cash advances for some reason.

Whoops, in that case, @invisible, i did not get charged any finance charges.
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Old Sep 19, 17, 2:32 am
  #7288  
 
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They usually go hand-in-hand where cash advances will get charged interests but no miles.

Originally Posted by shuigao View Post
Ah, no chance to get some free miles then.


IINM, invisible is asking whether you got hit with finance charges on the CardUp transaction -- it appears that for him, CardUp txns are posting as cash advances for some reason.
Originally Posted by lifeonthego_k View Post
Whoops, in that case, @invisible, i did not get charged any finance charges.
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Old Sep 19, 17, 8:49 am
  #7289  
 
Join Date: Apr 2007
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On the phone with UOB as I'm typing this, and vomitting blood in the process of trying to get the correct information.

I wanted to know for UOB PPV, where the monthly cap is now UNI$2,000 - does the UNI$ apply to full 10X earnings or just the 9X bonus earnings.

A) If applicable to full 10X earnings, then max spend per month is S$1,000.

B) If applicable to 9X bonus earnings only, then max spend per month is S$1,110.

First CSO told me B). My phone line got disconnected before the call was over. After I got through, second CSO told me A).

Why can't UOB ever provide a single version of the truth?! It's so frustrating...
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Old Sep 19, 17, 7:00 pm
  #7290  
 
Join Date: Apr 2007
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Posts: 3,265
And while we're on the topic of UOB's incompetence, I was looking at their website for the current UOB One Card 10th anniversary promo that gives 10% rebate if you set it up as a digitised card (e.g. Apple Pay, Samsung Pay, etc.) and spend via that method.

The website T&Cs say:

http://www.uob.com.sg/personal/cards/credit/one/mobile.html

Promotion is only applicable to principal Cardmembers of a UOB One Card ... who have successfully registered before 31 October 2017 via Short Message Service (SMS) ... and has an applicable minimum retail spend of S$500 for each qualifying period.

But the PDF T&Cs say:

http://uob.com.sg/assets/pdfs/one-card-mobile-rebates-tnc.pdf

[Cardholder qualifies when] charges a minimum spend of S$500 worth of Eligible Transactions ... during any one of the following Qualifying Periods (defined as 10-31 Aug, 1-30 Sep, 1-31 Oct).

Now, "each qualifying period" and "any one of the qualifying periods" are two completely different things, a difference between S$1,500 versus S$500 spend!

No wonder their CSOs can't give a straight answer to straight questions over the phone, when their product managers are contradictory in their own T&Cs!!

Last edited by carrotjuice; Sep 20, 17 at 6:29 am
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