Oct 31, 2014, 6:05 am
Last edit by: lifeonthego_k
I'm going to update this first post as more info flows in to create a 'master list' of all credit cards that offer a decent way of accruing miles - so please help out!
If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.
***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============
1. UOB PRVI Miles VISA, MasterCard, AMEX
VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/
Mileage accrual:
The earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).
Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name/FIN Number/NRIC together for all UOB cards which earn UNI$.
Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
2. UOB Preferred Platinum Visa
http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html
Mileage accrual: Earn 4 miles for every $1 spent using ONLY MOBILE CONTACTLESS every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments AND ORPHAN SPEND DUE TO $5 ROUNDING OR EXCEEDING THE BONUS U$2000 SPEND (every $5 gives 1 UNI$ which equal 2 miles).
Earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Mobile Contactless). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 transaction. ($1110/5)x9=1998UNI$, hence the last S$5 transaction will earn 2 bonus UNI$. The total bonus UNI$ awarded to you from qualifying spend on Selected Online Transactions and Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month. THE CAP IS ON THE 9 UNI$ BONUS NOT 10UNI$ TOTAL YOU GET WITH BASE OF U$1 PER $ SPEND
Keep in mind that some merchants offer different, non-mileage accruing awards with UOB cards which are called SMART$. Some popular merchants include Cold Storage, Guardian and Giant Supermarket, ToastBox and Starbucks. A full list of merchants where Mobile contactless transactions will NOT earn miles can be found here: http://www.uob.com.sg/personal/cards...smartclub.html
Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $192.60 for main and $96.30 for supplementary. Annual fee waived off easily.
Miles conversion fee: $25 per conversion, in blocks of 5000 UNI$=10,000 miles. UNI$ are combined in 1 cardholder's name for all UOB cards.
Pros: Incredible mileage accrual rates for Paywave transactions (not all merchants - some give SMART$ instead which are different rewards!) as well as internet transactions (some restrictions apply).
Cons: Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
3. Citi PremierMiles MasterCard
https://www.citibank.com.sg/credit-cards/travel/premiermiles-card/?ecid=PSGONSGCCAENPM
Mileage accrual: Earn 1.2 miles for every $1 spent. Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.
Requirements: min. income $50,000 for VISA. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000renewal bonus.
Miles conversion fee: $25 per conversion.
Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal. 11 frequent flyer programs & 3 hotel programs to choose from, including EVA Air - only 25,000 miles for 1 way Business Class within Asia!!
Cons: No miles awarded for EZ-Link & Transitlink transactions. Miles awarded per S$1. Cents not included. 1.2 miles/S$1. Transfer in blocks of 10,000 miles.
4. DBS Altitude VISA/AMEX
http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx
Mileage accrual: Earn 1.2 miles for every $1 spent (every $5 gives 3 DBS points which equal 6 miles). Earn 2 miles for every $1 spent OVERSEAS.
Requirements: min. income $80,000.
Cost: First year free, then $180 for main and $90 for supplementary. Annual fee waiver if you charge $25,000 or more in a year.
Miles conversion fee: S$26.75 per transfer, redeem 1700 DBS points to waive off.
Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 3, after that round down to nearest whole number. Minimum spend is S$1.67. Each DBS point = 2 miles). Earn 3 miles per S$1 spent on all online Flight and Hotel transactions (capped at S$5,000 per month). 10,000 miles renewal bonus if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (since Dec 1, 2013). AMEX not always accepted by merchants. Transfer in blocks of 5000 DBS points = 10,000 miles (on the plus side points don't expire). Per transfer of S$26.75, redeem 1700 DBS points to waive off.
5. Maybank Horizon Platinum Visa
http://info.maybank2u.com.sg/persona...visa-card.aspx
Earn 3.2 air miles (8X TREATS Points) with every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) with every dollar spent on air tickets, travel packages and foreign currency transactions, with a minimal S$300 in a calendar month
Earn 0.4 mile for every $1 spent elsewhere (1 mile for every $2.50 spent).
Requirements: min. income $30,000 ($80,000 for foreigners).
Cost: $150 for main, supplementary always free. Unsure of any annual fee waiver conditions.
Miles conversion fee: In blocks of 5,000 points to 2000 Asia Miles or KrisFlyer. S$26.75 fee applies.
Pros: Great for ticket purchases and overseas spend. Complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card 3 months prior to the date of travel.
Cons: Great ONLY for ticket purchases and overseas spend. Points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member.
6. Singapore Airlines KrisFlyer Ascend AMEX
https://www.americanexpress.com/sg/s...nd-credit-card
Mileage accrual: Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Annual fee cannot be waived unless you spend alot.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.
Pros: None, except for welcome offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts).
Cons: Simply nothing special - there are better cards available for all types of purchases, including flight tickets, even with all of the bonuses above applied. AMEX not always accepted by merchants.
7. Citibank Rewards Card
http://www.citibank.com.sg/gcb/credi...CACRENCCHOCALM
Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites, including SingTel & M1 online bill payment!
Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.
Cons: Points awarded per S$1 spend. Cents not included. Cannot combined Thank You Points across cards.
8. DBS Woman's World MasterCard® Card
http://www.dbs.com.sg/personal/cards...astercard-card
10X Rewards for Online Retail Purchases
T&C Here: https://www.dbs.com.sg/iwov-resource...s_card_tnc.pdf
Pros: Men also can get this card!! DBS points are combined in 1 cardholder's name. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 10, after that round down to nearest whole number. Minimum spend is S$1. Each DBS point = 2 miles).
Cons: DBS points are valid for 1 year based on card anniversary date. The additional 9X DBS Points for online retail spend in a calendar month will be awarded on the 16th of the next calendar month. If the above days are not working days, the Points will be awarded on the next working day. The additional 9X DBS Points are only applicable to the first S$2,000 online retail spend every calendar month.
9. OCBC Titanium Rewards Card
https://www.ocbc.com/personal-bankin...astercard.html
10x OCBC$ on your shopping Local & Overseas Shopping Transactions, Local & Overseas Department Store Transactions and Local & Overseas Online Transactions.
The remaining 9 OCBC$ will be posted to the Card Account by the end of the next calendar month
https://www.ocbc.com/assets/pdf/card...ons.pdf?rand=1
10,000 KrisFlyer miles requires OCBC$ 25000, For each conversion of OCBC$ to KrisFlyer miles a fee of S$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
============
If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.
***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============
1. UOB PRVI Miles VISA, MasterCard, AMEX
VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/
Mileage accrual:
The earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).
Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name/FIN Number/NRIC together for all UOB cards which earn UNI$.
Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
2. UOB Preferred Platinum Visa
http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html
Mileage accrual: Earn 4 miles for every $1 spent using ONLY MOBILE CONTACTLESS every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments AND ORPHAN SPEND DUE TO $5 ROUNDING OR EXCEEDING THE BONUS U$2000 SPEND (every $5 gives 1 UNI$ which equal 2 miles).
Earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Mobile Contactless). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 transaction. ($1110/5)x9=1998UNI$, hence the last S$5 transaction will earn 2 bonus UNI$. The total bonus UNI$ awarded to you from qualifying spend on Selected Online Transactions and Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month. THE CAP IS ON THE 9 UNI$ BONUS NOT 10UNI$ TOTAL YOU GET WITH BASE OF U$1 PER $ SPEND
Keep in mind that some merchants offer different, non-mileage accruing awards with UOB cards which are called SMART$. Some popular merchants include Cold Storage, Guardian and Giant Supermarket, ToastBox and Starbucks. A full list of merchants where Mobile contactless transactions will NOT earn miles can be found here: http://www.uob.com.sg/personal/cards...smartclub.html
Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $192.60 for main and $96.30 for supplementary. Annual fee waived off easily.
Miles conversion fee: $25 per conversion, in blocks of 5000 UNI$=10,000 miles. UNI$ are combined in 1 cardholder's name for all UOB cards.
Pros: Incredible mileage accrual rates for Paywave transactions (not all merchants - some give SMART$ instead which are different rewards!) as well as internet transactions (some restrictions apply).
Cons: Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
3. Citi PremierMiles MasterCard
https://www.citibank.com.sg/credit-cards/travel/premiermiles-card/?ecid=PSGONSGCCAENPM
Mileage accrual: Earn 1.2 miles for every $1 spent. Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.
Requirements: min. income $50,000 for VISA. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000renewal bonus.
Miles conversion fee: $25 per conversion.
Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal. 11 frequent flyer programs & 3 hotel programs to choose from, including EVA Air - only 25,000 miles for 1 way Business Class within Asia!!
Cons: No miles awarded for EZ-Link & Transitlink transactions. Miles awarded per S$1. Cents not included. 1.2 miles/S$1. Transfer in blocks of 10,000 miles.
4. DBS Altitude VISA/AMEX
http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx
Mileage accrual: Earn 1.2 miles for every $1 spent (every $5 gives 3 DBS points which equal 6 miles). Earn 2 miles for every $1 spent OVERSEAS.
Requirements: min. income $80,000.
Cost: First year free, then $180 for main and $90 for supplementary. Annual fee waiver if you charge $25,000 or more in a year.
Miles conversion fee: S$26.75 per transfer, redeem 1700 DBS points to waive off.
Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 3, after that round down to nearest whole number. Minimum spend is S$1.67. Each DBS point = 2 miles). Earn 3 miles per S$1 spent on all online Flight and Hotel transactions (capped at S$5,000 per month). 10,000 miles renewal bonus if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (since Dec 1, 2013). AMEX not always accepted by merchants. Transfer in blocks of 5000 DBS points = 10,000 miles (on the plus side points don't expire). Per transfer of S$26.75, redeem 1700 DBS points to waive off.
5. Maybank Horizon Platinum Visa
http://info.maybank2u.com.sg/persona...visa-card.aspx
Earn 3.2 air miles (8X TREATS Points) with every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) with every dollar spent on air tickets, travel packages and foreign currency transactions, with a minimal S$300 in a calendar month
Earn 0.4 mile for every $1 spent elsewhere (1 mile for every $2.50 spent).
Requirements: min. income $30,000 ($80,000 for foreigners).
Cost: $150 for main, supplementary always free. Unsure of any annual fee waiver conditions.
Miles conversion fee: In blocks of 5,000 points to 2000 Asia Miles or KrisFlyer. S$26.75 fee applies.
Pros: Great for ticket purchases and overseas spend. Complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card 3 months prior to the date of travel.
Cons: Great ONLY for ticket purchases and overseas spend. Points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member.
6. Singapore Airlines KrisFlyer Ascend AMEX
https://www.americanexpress.com/sg/s...nd-credit-card
Mileage accrual: Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Annual fee cannot be waived unless you spend alot.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.
Pros: None, except for welcome offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts).
Cons: Simply nothing special - there are better cards available for all types of purchases, including flight tickets, even with all of the bonuses above applied. AMEX not always accepted by merchants.
7. Citibank Rewards Card
http://www.citibank.com.sg/gcb/credi...CACRENCCHOCALM
Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites, including SingTel & M1 online bill payment!
Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.
Cons: Points awarded per S$1 spend. Cents not included. Cannot combined Thank You Points across cards.
8. DBS Woman's World MasterCard® Card
http://www.dbs.com.sg/personal/cards...astercard-card
10X Rewards for Online Retail Purchases
T&C Here: https://www.dbs.com.sg/iwov-resource...s_card_tnc.pdf
Pros: Men also can get this card!! DBS points are combined in 1 cardholder's name. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 10, after that round down to nearest whole number. Minimum spend is S$1. Each DBS point = 2 miles).
Cons: DBS points are valid for 1 year based on card anniversary date. The additional 9X DBS Points for online retail spend in a calendar month will be awarded on the 16th of the next calendar month. If the above days are not working days, the Points will be awarded on the next working day. The additional 9X DBS Points are only applicable to the first S$2,000 online retail spend every calendar month.
9. OCBC Titanium Rewards Card
https://www.ocbc.com/personal-bankin...astercard.html
10x OCBC$ on your shopping Local & Overseas Shopping Transactions, Local & Overseas Department Store Transactions and Local & Overseas Online Transactions.
The remaining 9 OCBC$ will be posted to the Card Account by the end of the next calendar month
https://www.ocbc.com/assets/pdf/card...ons.pdf?rand=1
10,000 KrisFlyer miles requires OCBC$ 25000, For each conversion of OCBC$ to KrisFlyer miles a fee of S$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
============
The 'Best credit cards for KF miles accrual' master thread
Oct 8, 2017, 9:49 pm
#7306
Join Date: Jan 2017
Programs: KrisFlyer ∙ Hilton Diamond
Posts: 13
A good review of the metal DBS Insignia Visa Credit Card.
DBS Insignia Visa – the credit card where you spend money to make money
DBS Insignia Visa – the credit card where you spend money to make money
Oct 9, 2017, 1:54 am
#7307
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Well, the DBS website says: "In accordance with applicable regulations set by the respective governing bodies, merchants are not allowed to impose any minimum spend and/or pass on the surcharge to consumers who want to pay with their credit card."
No idea if "governing body" means MAS, or who you're supposed to raise the complaint to, though.
No idea if "governing body" means MAS, or who you're supposed to raise the complaint to, though.
But interesting that DBS website actually says that... in speaking with a banker previously who know about this, I was actually advised that the card acquirer can enforce against the errant merchant only if there is proof... one way is if the merchant displays a sign on or near the cash register about this minimum threshold... otherwise it's your word against theirs. But merchants have gotten smart, they will never display such sign, they merely inform you verbally.
Oct 11, 2017, 10:44 am
#7308
Join Date: Jul 2014
Location: Singapore
Programs: SQ KF Gold, HHonors Gold, SPG Plat
Posts: 300
Couple of points on surcharging:
- local law / MAS does not prohibit the practice, so its purely a contractual matter between card association / network and merchant
- of course everyone prohibits it in their terms of service
- but the reality is merchants can get away with more or less whatever they please
- it also helps that the acquirer doesn’t really care one way or the other (they still get their cut)
- local law / MAS does not prohibit the practice, so its purely a contractual matter between card association / network and merchant
- of course everyone prohibits it in their terms of service
- but the reality is merchants can get away with more or less whatever they please
- it also helps that the acquirer doesn’t really care one way or the other (they still get their cut)
Oct 25, 2017, 12:32 am
#7309
Join Date: May 2016
Posts: 33
Just do an audio recording of this so called "verbal notification"
and you get all the proof you need. I think the greater difficulty lies not in getting proof, but actually taking the time and effort to whistleblow on the errant merchant.
and you get all the proof you need. I think the greater difficulty lies not in getting proof, but actually taking the time and effort to whistleblow on the errant merchant.
MAS doesn't have "applicable regulations" that "govern" minimum thresholds for card usage... they're not bothered with that... can bet they'd just say it's a contractual term between the merchant and its card acquirer, then wash their hands off it!
But interesting that DBS website actually says that... in speaking with a banker previously who know about this, I was actually advised that the card acquirer can enforce against the errant merchant only if there is proof... one way is if the merchant displays a sign on or near the cash register about this minimum threshold... otherwise it's your word against theirs. But merchants have gotten smart, they will never display such sign, they merely inform you verbally.
But interesting that DBS website actually says that... in speaking with a banker previously who know about this, I was actually advised that the card acquirer can enforce against the errant merchant only if there is proof... one way is if the merchant displays a sign on or near the cash register about this minimum threshold... otherwise it's your word against theirs. But merchants have gotten smart, they will never display such sign, they merely inform you verbally.
Oct 28, 2017, 10:03 am
#7310
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,852
[UOB Visa Signature Card]
So I made a dumb mistake saying 'Singapore dollar' when presented with DCC option while checking out of a Hyatt hotel earlier . Before I could correct myself to say euros, the agent had already pressed 2 for SGD.
I tried to ask her to cancel and rebill in EUR but she said once the folio is closed she cannot cancel / recharge my card.
Does anyone know if a SGD charge via DCC still give the 4 mpd on the Visa Signature?
Otherwise I'll try to contact the hotel to reverse and recharge the bill.
Amount is about 1000 EUR so it's about 6+K miles wasted
So I made a dumb mistake saying 'Singapore dollar' when presented with DCC option while checking out of a Hyatt hotel earlier . Before I could correct myself to say euros, the agent had already pressed 2 for SGD.
I tried to ask her to cancel and rebill in EUR but she said once the folio is closed she cannot cancel / recharge my card.
Does anyone know if a SGD charge via DCC still give the 4 mpd on the Visa Signature?
Otherwise I'll try to contact the hotel to reverse and recharge the bill.
Amount is about 1000 EUR so it's about 6+K miles wasted
Oct 28, 2017, 10:59 pm
#7311
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,802
If the hotel refuses you can ask UOB to process a Reason Code 76 chargeback no matter what you said Dynamic Currency Conversion (DCC)
11.1.21.1 Chargeback Conditions – Reason Code 76
Table 11-67: Chargeback Conditions – Reason Code 76
Condition Chargeback Conditions – Reason Code 76 Country/Region
3 The Cardholder was not advised that Dynamic Currency Conversion would
occur or was refused the choice of paying in the Merchant's local currency.
Europe and Interregional including Europe
11.1.21.1 Chargeback Conditions – Reason Code 76
Table 11-67: Chargeback Conditions – Reason Code 76
Condition Chargeback Conditions – Reason Code 76 Country/Region
3 The Cardholder was not advised that Dynamic Currency Conversion would
occur or was refused the choice of paying in the Merchant's local currency.
Europe and Interregional including Europe
Last edited by percysmith; Oct 28, 2017 at 11:13 pm
Oct 29, 2017, 11:12 am
#7312
Join Date: Jul 2005
Location: SIN and wandering.
Posts: 1,549
[UOB Visa Signature Card]
So I made a dumb mistake saying 'Singapore dollar' when presented with DCC option while checking out of a Hyatt hotel earlier . Before I could correct myself to say euros, the agent had already pressed 2 for SGD.
I tried to ask her to cancel and rebill in EUR but she said once the folio is closed she cannot cancel / recharge my card.
Does anyone know if a SGD charge via DCC still give the 4 mpd on the Visa Signature?
Otherwise I'll try to contact the hotel to reverse and recharge the bill.
Amount is about 1000 EUR so it's about 6+K miles wasted
So I made a dumb mistake saying 'Singapore dollar' when presented with DCC option while checking out of a Hyatt hotel earlier . Before I could correct myself to say euros, the agent had already pressed 2 for SGD.
I tried to ask her to cancel and rebill in EUR but she said once the folio is closed she cannot cancel / recharge my card.
Does anyone know if a SGD charge via DCC still give the 4 mpd on the Visa Signature?
Otherwise I'll try to contact the hotel to reverse and recharge the bill.
Amount is about 1000 EUR so it's about 6+K miles wasted
Oct 29, 2017, 6:31 pm
#7313
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
I'm curious how you calculated 6k miles though. 1000eur = around 1600sgd = ~2.9k additional uni$ = ~1.45k miles, no?
Oct 29, 2017, 7:30 pm
#7314
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Oct 29, 2017, 7:54 pm
#7315
Join Date: Apr 2005
Programs: Hyatt Lifetime Globalist, SQ PPS Solitaire
Posts: 3,599
Oct 29, 2017, 8:02 pm
#7316
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,802
a. A void button is not mandatory on all DCC terminals
b. Some integrated POS just refund in local currency anyway DCC at Harrods - unable to void transaction in home currency
c.f. most PRC terminals have them. Even if heavily locked down https://www.flyertalk.com/forum/chin...l#post19918163
Oct 29, 2017, 11:58 pm
#7317
Join Date: Jul 2014
Location: Singapore
Programs: SQ KF Gold, HHonors Gold, SPG Plat
Posts: 300
If the hotel refuses you can ask UOB to process a Reason Code 76 chargeback no matter what you said Dynamic Currency Conversion (DCC)
11.1.21.1 Chargeback Conditions – Reason Code 76
Table 11-67: Chargeback Conditions – Reason Code 76
Condition Chargeback Conditions – Reason Code 76 Country/Region
3 The Cardholder was not advised that Dynamic Currency Conversion would
occur or was refused the choice of paying in the Merchant's local currency.
Europe and Interregional including Europe
11.1.21.1 Chargeback Conditions – Reason Code 76
Table 11-67: Chargeback Conditions – Reason Code 76
Condition Chargeback Conditions – Reason Code 76 Country/Region
3 The Cardholder was not advised that Dynamic Currency Conversion would
occur or was refused the choice of paying in the Merchant's local currency.
Europe and Interregional including Europe
Same thing happened to me once - not paying attention, accidentally accepted DCC - and when I got home and realized the mistake I immediately called in for a chargeback. Was initially accepted, but after some months passed, with me calling every couple of weeks to see if there was any update, I eventually gave up. Amount wasn't all that great though, probably ~$100, so I decided that though principle was important, the actually dollar amount and miles lost wasn't really worth all that effort.
Oct 30, 2017, 1:54 am
#7318
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,802
Using Credit Cards in China - The Great CC Rip Off (dynamic currency conversion)
Dynamic Currency Conversion (DCC) [2014-2016] (I might not have updated the outcome of this chargeback but it was upheld based on my screenshots)
Oct 30, 2017, 10:34 am
#7319
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,852
Thanks for the replies guys. Yeah I immediately asked for a cancellation and recharge but agent said she could not cause the folio was already closed.
She has now escalated to the billing department and they are working on it. Will report back on the outcome.
And yes I should be more alert haha!
Not sure how I made this stupid mistake. I mean, I've been asked this question so many times but somehow I stupidly blurted out SGD this time, and she pressed the button within 2 secs.
She has now escalated to the billing department and they are working on it. Will report back on the outcome.
And yes I should be more alert haha!
Not sure how I made this stupid mistake. I mean, I've been asked this question so many times but somehow I stupidly blurted out SGD this time, and she pressed the button within 2 secs.
Oct 30, 2017, 10:37 am
#7320
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,852
The first page on the UOB website for the card ... "Card transactions made overseas but effected in Singapore dollars will be treated as transactions in Singapore dollars and will earn UNI$1 for every S$5 spent."
I'm curious how you calculated 6k miles though. 1000eur = around 1600sgd = ~2.9k additional uni$ = ~1.45k miles, no?
I'm curious how you calculated 6k miles though. 1000eur = around 1600sgd = ~2.9k additional uni$ = ~1.45k miles, no?
Thanks for pulling this up - I definitely need to get the charge reversed then.
2.9K UNI$ = 5.8K miles =)