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
Aug 31, 2012, 3:46 am
#886
Join Date: Feb 2012
Location: SIN
Programs: Accor Le Club Advantage Plus Platinum, Hilton HHonors Gold, SQ KrisFlyer Silver
Posts: 45
Hi, I have a elite silver status on Krisflyer program. I travel frequently around the region (Mostly to Thailand). The SQ AMEX Gold is very useful to me since it offers double miles. eg round trip tickets to bangkok is around S$600 and total miles is 1760. With the double miles offer I can get additional 1760 miles.
But the normal spending earn rate is only 1 KrisFlyer mile for every S$1.60, way too low. I'd like to get another credit card for other spending except for SQ ticket purchase. I don't have 80,000 income , is Citibank PremierMiles the best choice?
Also, if I book a hotel online with foreign currency charges, is it considered as spending overseas?
But the normal spending earn rate is only 1 KrisFlyer mile for every S$1.60, way too low. I'd like to get another credit card for other spending except for SQ ticket purchase. I don't have 80,000 income , is Citibank PremierMiles the best choice?
Also, if I book a hotel online with foreign currency charges, is it considered as spending overseas?
Aug 31, 2012, 6:13 am
#888
Join Date: May 2007
Location: Singapore
Programs: A3 Gold, SQ Gold, AT Gold, Accor Silver, HHonors Diamond, I Prefer Elite, DISCOVERY Titanium
Posts: 472
i.e. when you spend SGD1600 at any place will earn you 1000 miles. When you spend SGD1600 on SQ website you got 2000 miles. Clearing they fulfill their statement. Maybe you didn't look at the terms and conditions.
Aug 31, 2012, 6:14 am
#889
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,820
But the normal spending earn rate is only 1 KrisFlyer mile for every S$1.60, way too low. I'd like to get another credit card for other spending except for SQ ticket purchase. I don't have 80,000 income , is Citibank PremierMiles the best choice?
Also, if I book a hotel online with foreign currency charges, is it considered as spending overseas?
Also, if I book a hotel online with foreign currency charges, is it considered as spending overseas?
As long as the bill is charged in foreign currency, you'll get the S$1 for 2 Miles (though I never verify it when my bills comes...). The good thing I like about this card is that it has no expiry date on the miles earned.
I was thinking about getting the Maybank Horizon Card for airline ticket purchases since it gives S$1 = 2 miles. Wonder if anybody has experiences on that card and how it works out.
Aug 31, 2012, 6:56 am
#890
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
They didn't fool you in this case just the interpretation of the words 'Double Krisflyer Miles' as in what AK37 had mention you did earn double miles when you do the purchase on SQ website. Just that you forgot the first rules SGD1.60 per miles.
i.e. when you spend SGD1600 at any place will earn you 1000 miles. When you spend SGD1600 on SQ website you got 2000 miles. Clearing they fulfill their statement. Maybe you didn't look at the terms and conditions.
i.e. when you spend SGD1600 at any place will earn you 1000 miles. When you spend SGD1600 on SQ website you got 2000 miles. Clearing they fulfill their statement. Maybe you didn't look at the terms and conditions.
Aug 31, 2012, 7:02 am
#891
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Hi Marsy, Citibank has dropped their requirement to S$60k income for the PremierMiles card, maybe you can just apply and see how it goes even if you do not hit S$60k.
As long as the bill is charged in foreign currency, you'll get the S$1 for 2 Miles (though I never verify it when my bills comes...). The good thing I like about this card is that it has no expiry date on the miles earned.
I was thinking about getting the Maybank Horizon Card for airline ticket purchases since it gives S$1 = 2 miles. Wonder if anybody has experiences on that card and how it works out.
As long as the bill is charged in foreign currency, you'll get the S$1 for 2 Miles (though I never verify it when my bills comes...). The good thing I like about this card is that it has no expiry date on the miles earned.
I was thinking about getting the Maybank Horizon Card for airline ticket purchases since it gives S$1 = 2 miles. Wonder if anybody has experiences on that card and how it works out.
As for the citi bank card, any idea if it is easy to waive the annual fee?
Thanks!
Aug 31, 2012, 8:09 am
#892
Join Date: Feb 2012
Location: SIN
Programs: Accor Le Club Advantage Plus Platinum, Hilton HHonors Gold, SQ KrisFlyer Silver
Posts: 45
Citibank is quite easy to waive the annual fees. I just give them a call and they will immediately confirm weather they can waive or not. But don't forget, for PremierMiles you'll get a bonus of 10,000 miles when you pay your annual fee.
Aug 31, 2012, 10:26 am
#893
Join Date: Jun 2009
Location: SIN
Programs: TK-G | Accor P | SQ-G | Marriott T
Posts: 3,831
http://www.anz.com/singapore/en/reso...34a5b707451b78
Just realised that S$1 = S$2.8 miles has a catch -
The maximum number of Travel$ which can be awarded under the Promotion will be limited to 14,000 Travel$ per Principal Cardmember per calendar month.
That means it is only limited to $10,000 overseas spending only to earn S$1 = 2.8 miles!
Just realised that S$1 = S$2.8 miles has a catch -
The maximum number of Travel$ which can be awarded under the Promotion will be limited to 14,000 Travel$ per Principal Cardmember per calendar month.
That means it is only limited to $10,000 overseas spending only to earn S$1 = 2.8 miles!
I just had a call with ANZ Call Center and he can't find the definition and told me need to check with Product People. What he told me any overseas transaction not charged in local currency, will not be considered as overseas transaction. This mean even if you swipe your card in Bangkok, and the merchant asked if you want to be charged in THB or SGD, and you select SGD then the transaction does not fall into overseas transaction.
I found this very wierd. Then they have put it as foreign currency transaction (i.e. non SGD transaction).
The other question that he cannot answer also about the online transaction.
I suspected, the overseas transaction is defined as non-SGD transaction, as normally the bank will charge some FX fee, hence, this is why they are giving double the points.
Just be careful.
Luckily I charged all my transaction in ICN/BKK all in respective local currency rather than SGD
Aug 31, 2012, 3:07 pm
#894
Suspended
Join Date: Aug 2012
Location: NYC & PEK
Programs: Hyatt Diamond, UA GS, AA EXP
Posts: 292
Not only that. Another "mystery" question is what is the definition of overseas spending?
I just had a call with ANZ Call Center and he can't find the definition and told me need to check with Product People. What he told me any overseas transaction not charged in local currency, will not be considered as overseas transaction. This mean even if you swipe your card in Bangkok, and the merchant asked if you want to be charged in THB or SGD, and you select SGD then the transaction does not fall into overseas transaction.
I found this very wierd. Then they have put it as foreign currency transaction (i.e. non SGD transaction).
The other question that he cannot answer also about the online transaction.
I suspected, the overseas transaction is defined as non-SGD transaction, as normally the bank will charge some FX fee, hence, this is why they are giving double the points.
Just be careful.
Luckily I charged all my transaction in ICN/BKK all in respective local currency rather than SGD
I just had a call with ANZ Call Center and he can't find the definition and told me need to check with Product People. What he told me any overseas transaction not charged in local currency, will not be considered as overseas transaction. This mean even if you swipe your card in Bangkok, and the merchant asked if you want to be charged in THB or SGD, and you select SGD then the transaction does not fall into overseas transaction.
I found this very wierd. Then they have put it as foreign currency transaction (i.e. non SGD transaction).
The other question that he cannot answer also about the online transaction.
I suspected, the overseas transaction is defined as non-SGD transaction, as normally the bank will charge some FX fee, hence, this is why they are giving double the points.
Just be careful.
Luckily I charged all my transaction in ICN/BKK all in respective local currency rather than SGD
exchange rate is terrible.
Sep 1, 2012, 12:45 am
#895
Join Date: Jun 2009
Location: SIN
Programs: TK-G | Accor P | SQ-G | Marriott T
Posts: 3,831
Sep 1, 2012, 5:17 am
#896
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Hey I went to comex at Suntec today and ANZ is there. Staff said that for online transactions as long as it is charged with foreign currency it gives 2.8 miles.
I signed up there, there is a lucky spin after you sign up.
I signed up there, there is a lucky spin after you sign up.
Sep 1, 2012, 6:57 am
#897
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,820
Cool, wonder what other bank promotion cards they are...
Sep 1, 2012, 8:02 am
#898
Join Date: Aug 2012
Programs: KF G, UA 1K, SPG P, Marriott P, Hilton G, Wyndham G
Posts: 122
Sep 2, 2012, 7:54 am
#899
Join Date: Apr 2011
Location: Singapore / India
Programs: SQ QPP, Hilton Diamond, IHG Platinum, Taj Inner Circle Gold
Posts: 639
Not only that. Another "mystery" question is what is the definition of overseas spending?
I just had a call with ANZ Call Center and he can't find the definition and told me need to check with Product People. What he told me any overseas transaction not charged in local currency, will not be considered as overseas transaction. This mean even if you swipe your card in Bangkok, and the merchant asked if you want to be charged in THB or SGD, and you select SGD then the transaction does not fall into overseas transaction.
I found this very wierd. Then they have put it as foreign currency transaction (i.e. non SGD transaction).
The other question that he cannot answer also about the online transaction.
I suspected, the overseas transaction is defined as non-SGD transaction, as normally the bank will charge some FX fee, hence, this is why they are giving double the points.
Just be careful.
Luckily I charged all my transaction in ICN/BKK all in respective local currency rather than SGD
I just had a call with ANZ Call Center and he can't find the definition and told me need to check with Product People. What he told me any overseas transaction not charged in local currency, will not be considered as overseas transaction. This mean even if you swipe your card in Bangkok, and the merchant asked if you want to be charged in THB or SGD, and you select SGD then the transaction does not fall into overseas transaction.
I found this very wierd. Then they have put it as foreign currency transaction (i.e. non SGD transaction).
The other question that he cannot answer also about the online transaction.
I suspected, the overseas transaction is defined as non-SGD transaction, as normally the bank will charge some FX fee, hence, this is why they are giving double the points.
Just be careful.
Luckily I charged all my transaction in ICN/BKK all in respective local currency rather than SGD
It's not just this card.
All other cards that give more miles for 'overseas transactions' also has this interpretation. If you read the fine print, I am sure it's written somewhere.
That's why it was sometimes a struggle in china and HKG where it is quite common to have the auto conversion (DCC) offered and sometimes without asking your permission first. Always insist on local currency. And always check your receipt.
The exchange rate from DCC is pathetic.
Also note that many airlines also offer you to convert to home currency at the payment stage.
Sep 2, 2012, 8:42 am
#900
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,803
It's not just this card.
All other cards that give more miles for 'overseas transactions' also has this interpretation. If you read the fine print, I am sure it's written somewhere.
That's why it was sometimes a struggle in china and HKG where it is quite common to have the auto conversion (DCC) offered and sometimes without asking your permission first. Always insist on local currency. And always check your receipt.
The exchange rate from DCC is pathetic.
Also note that many airlines also offer you to convert to home currency at the payment stage.
All other cards that give more miles for 'overseas transactions' also has this interpretation. If you read the fine print, I am sure it's written somewhere.
That's why it was sometimes a struggle in china and HKG where it is quite common to have the auto conversion (DCC) offered and sometimes without asking your permission first. Always insist on local currency. And always check your receipt.
The exchange rate from DCC is pathetic.
Also note that many airlines also offer you to convert to home currency at the payment stage.
Unfortunately some PRC banks' HK subsidiaries have copied their mainland parent's firmware - at least Bank of China International in HK has been positively identified at airport Free Duty for doing this. Talk about unwelcome integration with the Mainland.
FTers in the Mainland have taken to working against this thru this sticky http://www.flyertalk.com/forum/china...onversion.html .
FTers in HK such as myself have joined in cos we frequently get forex spending miles offers which we are scammed out of when we get DCCed by unscrupulous PRC merchants and banks. All forex offers on V/MC here are only valid of the charge is DCC free.