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-   -   The 'Best credit cards for KF miles accrual' master thread (https://www.flyertalk.com/forum/singapore-airlines-krisflyer/1076196-best-credit-cards-kf-miles-accrual-master-thread.html)

demue Jan 7, 19 11:20 pm


Originally Posted by carrotjuice (Post 30624303)


Just as I thought this thread was loooong dead!

I think too few of us contributing and too many "leeching", plus one cannot discuss tricks or similar any longer in open forums as somehow, someone will call the bank or similar and ask questions and put them onto shutting things down. YMMV.

carrotjuice Jan 8, 19 12:02 am


Originally Posted by aster (Post 30625538)
My question referred to the exact way UOB calculates the number of points it gives you per transaction. Is it round-down to the nearest $5 and then multiply by 3.5?

Indeed. UOB has the incorrigible practice of giving UNI$ in multiples of $5 only. Anything above the multiple up to $4.99 earns zilch.

carrotjuice Jan 8, 19 12:04 am


Originally Posted by demue (Post 30625791)
I think too few of us contributing and too many "leeching", plus one cannot discuss tricks or similar any longer in open forums as somehow, someone will call the bank or similar and ask questions and put them onto shutting things down. YMMV.

And on top of that you have blogs acting heroic and publicising them for the banks to see...

percysmith Jan 8, 19 5:48 am


Originally Posted by demue (Post 30625791)
I think too few of us contributing and too many "leeching", plus one cannot discuss tricks or similar any longer in open forums as somehow, someone will call the bank or similar and ask questions and put them onto shutting things down. YMMV.


Originally Posted by carrotjuice (Post 30625882)
And on top of that you have blogs acting heroic and publicising them for the banks to see...

https://forum.hongkongcard.com/forumSE/show/16665 #2

aster Jan 8, 19 9:25 am


Originally Posted by carrotjuice (Post 30625879)
Indeed. UOB has the incorrigible practice of giving UNI$ in multiples of $5 only. Anything above the multiple up to $4.99 earns zilch.

Yes, a $9.99 purchase is effectively treated as a $5 one.

What's worse is that $5 also suffers from rounding-down so you don't actually get the full $5 x 1.4 miles = 7 miles. Instead I believe your points get rounded down from 3.5 to 3 points, so effectively 6 miles gained.

Overall I still think it's a great card though and am not really worried about using it for tiny purchases. For that there's always the DBS debit card and it's 5% cashback for contactless transactions. :)

carrotjuice Jan 8, 19 1:45 pm

Don't get me started on UOB. Suffice to say I'm not its biggest fan:
- rounding down issue (enough said)
- intransparent promos (you qualify if you're the first X people who sign up and spend, but you never know until after the promo is over)
- terrible customer service (most recently I keep getting calls from their credit management who marked my card as delinquent and started heaping fees on it - because one of my credit cards was frauded, they replaced and said they would ensure the GIRO monthly bill debit is reinstated, but they screwed it up and the GIRO failed)

I don't bother to use a UOB card unless it earns 4 miles per S$1.

carrotjuice Jan 8, 19 1:47 pm


Originally Posted by percysmith (Post 30626563)

Same here in SIN. Gone were the glory days where tax payment via AXS machines earned miles. And if you overpay, IRAS even refunded in cash!!

carrotjuice Jan 8, 19 1:48 pm


Originally Posted by aster (Post 30627388)
... am not really worried about using it for tiny purchases. For that there's always the DBS debit card and it's 5% cashback for contactless transactions. :)

You've crossed over to the dark side of cashback, my friend! :D

demue Jan 8, 19 7:40 pm


Originally Posted by carrotjuice (Post 30628618)
Don't get me started on UOB.

I don't bother to use a UOB card unless it earns 4 miles per S$1.

I echo your sentiment. I use my UOB PPV for 4mls/$ transactions and that's it. However, even proven 4mls (10uni$) merchants can suddenly turn into 1uni$ ones with UOBs awesome IT Ops.

Case in point is Foodpanda transactions (app bookings) which for the last 3 months I had to request to be manually corrected as the CSR informed every time that they only earned 1uni$. Go figure.

The correction request was approved every time, but why did it even become necessary? It used to work just fine? Always, UOB :rolleyes:

yosithezet Jan 8, 19 11:22 pm

I only use UOB A,ex for restaurants. Everything else goes on Citi PM or CRV.

carrotjuice Jan 9, 19 1:00 am


Originally Posted by yosithezet (Post 30630549)
I only use UOB A,ex for restaurants. Everything else goes on Citi PM or CRV.

Even this has gone downhill. Capped at S$6000 worth of dining per YEAR!

percysmith Jan 9, 19 5:19 am


Originally Posted by carrotjuice (Post 30628641)
You've crossed over to the dark side of cashback, my friend! :D

I work out my valuation of miles https://forum.hongkongcard.com/forumSE/show/25995 #3

I find that for my ongoing earn rates (even those under "promo" e.g. dining, online, paywave), cash rebate generally beats miles now.

Only when I get a time-limited earn promo (normally from a PRC-owned HK bank) does it worth spending for miles.

aster Jan 11, 19 1:47 pm


Originally Posted by carrotjuice (Post 30628618)
Don't get me started on UOB. Suffice to say I'm not its biggest fan:
- intransparent promos (you qualify if you're the first X people who sign up and spend, but you never know until after the promo is over)

I definitely agree - these are the worst. :) I would be somewhat inclined to accept this practice if the "prize" was physical like those recent fitbit gadgets, even though it would still dissuade me from taking part. But when the promo is based around bonus points or something similar then such limits are disappointing.


Originally Posted by carrotjuice (Post 30628641)
You've crossed over to the dark side of cashback, my friend! :D

You must admit the DBS cashback isn't that bad (except for the $1k limit per card), I mean we are talking about a D-E-B-I-T card here. ;) When you're making small purchases like a coffee you might as well whip this one out instead of any headache-inducing "how much will I lose on rounding-down here" type card. :)

On a side note, don't cancel the DBS WWMC card just yet if you were thinking of doing so. I recently booked accommodation for my parents and received a payment link by email to cover the entire stay. Since it was an online gateway I decided to try the WWMC... and ended up getting the full 4 miles/$ on that payment. I will admit that I rarely get to use this card overall, but as long as I keep getting a fee waiver I'll hang on to it...

maxinkuckee04 Jan 15, 19 9:50 am

WIth DBS Altitude or Insignia, can i transfer the DBS Points to Krisflyer miles to a family member?

w4rd Jan 15, 19 8:33 pm


Originally Posted by maxinkuckee04 (Post 30657591)
WIth DBS Altitude or Insignia, can i transfer the DBS Points to Krisflyer miles to a family member?

Cannot.
Unless they happen to have same name/initials it might work, but its against T&C.


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