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FlyerTalk Forums Thread Wiki: The 'Best credit cards for KF miles accrual' master thread
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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 Jan 10, 13, 6:12 am   #1021
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Originally Posted by enelym1978 View Post
Not sure what you want to know regarding issues...? It's just a simple Amex card

The limo service is not bad, used it a few times so far and every time I got one of those white Mercedes that comes and pick me up. Saves a good $20-30 depending on where you stay on the island.
Is the online banking system for checking transactions and everything similar to the DBS one? I'm considering giving it a shot as this is a card that I could keep even if I happen to move to a different country - they are probably the only ones who post such requirements on their site (nobody else even mentions the possibility of a non-resident being able to get a CC).

As for the limo service, this seems like a nice perk to have. Do you just sign off on whatever the meter reads or is it completely off (flat fee arranged by the bank)?
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Old Jan 10, 13, 9:13 am   #1022
  
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Originally Posted by lokijuh View Post
Not sure if anyone out there has a PPS Amex. Some changes that allow double points now at departments stores, Kris Shop & Tradewinds travel (). Most significant change is removal of 50% off Krisflyer redemption voucher associated with the card, for renewals from 1 March. I will certainly be discontinuing my PPS Amex card, as this was the one useful feature of the card. Annual fee increased from $150 to $267.50 also because of these "enhancements".
Cards issued by Amex in Singapore have been so crappy to start of with, they're only good for getting the initial sign-on miles. And this is really going down the dumps...
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Old Jan 10, 13, 9:42 pm   #1023
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Quote:
Originally Posted by aster View Post
Is the online banking system for checking transactions and everything similar to the DBS one? I'm considering giving it a shot as this is a card that I could keep even if I happen to move to a different country - they are probably the only ones who post such requirements on their site (nobody else even mentions the possibility of a non-resident being able to get a CC).

As for the limo service, this seems like a nice perk to have. Do you just sign off on whatever the meter reads or is it completely off (flat fee arranged by the bank)?
I have an account with UOB so I see the transactions there, it's quite straightforward, no frills. Not sure how it works if you don't have an account with UOB...

As for the limo service, the meter does not move. It's set on some category that will put a "Hired" on top of the car. Nothing to do at all. Just get on the car, ride, get off the car. Nothing to sign or pay. Just book at least 48H in advance I believe.
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Old Jan 11, 13, 7:46 am   #1024
  
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Originally Posted by enelym1978 View Post
I have an account with UOB so I see the transactions there, it's quite straightforward, no frills. Not sure how it works if you don't have an account with UOB...

As for the limo service, the meter does not move. It's set on some category that will put a "Hired" on top of the car. Nothing to do at all. Just get on the car, ride, get off the car. Nothing to sign or pay. Just book at least 48H in advance I believe.
You can still get a internet banking account with UOB with just a credit card & access those info. You don't need to have a bank account.
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Old Jan 13, 13, 10:40 am   #1025
  
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Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.

1) Can male apply? ;p

2) Are purchasing air tickets and booking hotels online considered as online retail purchase?

Anyone to share the experience with the card please?

Thanks!
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Old Jan 14, 13, 6:29 am   #1026
  
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Quote:
Originally Posted by Marsy View Post
Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.

1) Can male apply? ;p

2) Are purchasing air tickets and booking hotels online considered as online retail purchase?

Anyone to share the experience with the card please?

Thanks!
Just some extra info I gathered. It seems there's a difference in the Platinum and World card earning rates.

S$1 = 1 point = 2 Krisflyer Miles. (5,000 points redeems 10,000 KF miles)

World Card earns 10x points per S$1.
Platinum Card earns 5x points per S$1.

Last edited by lcpteck; Jan 14, 13 at 6:45 am
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Old Jan 14, 13, 7:47 pm   #1027
  
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Quote:
Originally Posted by Marsy View Post
Sorry to throw another question. I just noticed that DBS Woman's master card gives 4miles/S$ on all online retail purchase.

1) Can male apply? ;p

2) Are purchasing air tickets and booking hotels online considered as online retail purchase?

Anyone to share the experience with the card please?

Thanks!
1) Yes. DBS does not discriminate Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.

2) Anything as long as thru online web portals. Even paying bills via Vpost / Starhub, buying gift cards and vouchers.

Note - 10x points only for 1st $2k spend per CALENDAR month.
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Old Jan 14, 13, 10:25 pm   #1028
  
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Originally Posted by planetshakers View Post
1) Yes. DBS does not discriminate Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.

2) Anything as long as thru online web portals. Even paying bills via Vpost / Starhub, buying gift cards and vouchers.

Note - 10x points only for 1st $2k spend per CALENDAR month.
Nice, thanks for the confirmation. Applied for the card and DBS Altitude as well, wish me luck.
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Old Jan 15, 13, 3:00 am   #1029
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Originally Posted by planetshakers View Post
1) Yes. DBS does not discriminate Thru online internet banking if you have any POSB / DBS account. Almost instant decision / approval.
So the best way to apply for CCs is online via internet banking? Will they then contact you if they need you to mail in any supporting documents?
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Old Jan 15, 13, 7:49 pm   #1030
  
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Originally Posted by aster View Post
So the best way to apply for CCs is online via internet banking? Will they then contact you if they need you to mail in any supporting documents?
No from my own experience. Unless you do not meet the income requirements maybe? However, I believe if you have the DBS altitude visa, you internet application will be approved almost immediately.

I believed it took me less than 5 mouse clicks and 1 OTP to apply, saw the card reflected in internet banking the next working day. Card sent in less than a week. Fastest application ever.
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Old Jan 15, 13, 8:44 pm   #1031
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Thanks, I just looked through the online application process and it seems very easy and streamlined.

Just one question though - how do I get supplementary cards arranged? Preferable I would like to have both done simultaneously so that they have matching expiration dates and all..
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Old Jan 16, 13, 7:26 am   #1032
  
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Originally Posted by planetshakers View Post
No from my own experience. Unless you do not meet the income requirements maybe? However, I believe if you have the DBS altitude visa, you internet application will be approved almost immediately.

I believed it took me less than 5 mouse clicks and 1 OTP to apply, saw the card reflected in internet banking the next working day. Card sent in less than a week. Fastest application ever.
I applied easily enough and indicated that DBS was the crediting bank for my salary so that I did not have to submit any documents. It was approved but there was no review of my credit limit (my limit is still from my salary years ago, about half the current).

I then wrote in and asked and they increased it slightly (to about 2/3 of my Citibank card). Then I wrote in again asking for an increase as it was stated I could get 2-4 times of my monthly income (the limit they gave was less than 1.5 times my monthly).

They replied that from their records that the salary in their records was still the same as years ago and that I would have to submit income documents as proof if I wanted another review.

...!! If they had the service to evaluate from looking at your salary crediting account, why bother with income documents? I pay my bills in full and on time every month, so I'm hardly a credit risk. But they were adamant about it.

I'm going to clearout my miles in the Altitude card then cancel all my accounts with DBS. Really left a sour taste in my mouth. I will continue using my Citibank Premiermiles and perhaps apply for the ANZ Travel Card as they are having a roadshow at my office. *thumbsdown*
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Old Jan 16, 13, 8:36 am   #1033
  
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Originally Posted by Gymrat76 View Post
I applied easily enough and indicated that DBS was the crediting bank for my salary so that I did not have to submit any documents. It was approved but there was no review of my credit limit (my limit is still from my salary years ago, about half the current).

I then wrote in and asked and they increased it slightly (to about 2/3 of my Citibank card). Then I wrote in again asking for an increase as it was stated I could get 2-4 times of my monthly income (the limit they gave was less than 1.5 times my monthly).

They replied that from their records that the salary in their records was still the same as years ago and that I would have to submit income documents as proof if I wanted another review.

...!! If they had the service to evaluate from looking at your salary crediting

account, why bother with income documents? I pay my bills in full and on time
every month, so I'm hardly a credit risk. But they were adaman


I'm going to clearout my miles in the Altitude card then cancel all my accounts with DBS. Really left a sour taste in my mouth. I will continue usiadman
Citibank Premiermiles and perhaps apply for the ANZ Travel Card as they are having a roadshow at my office. *thumbsdown*

Allow me to weigh it in. In Singapore, a credit card centre of a bank is usually a separate entity n they will not be able to access ur salary credit records, n the parent bank is not allowed by law to disclose even those theybare under the same group. Thus u needvto submit income statement. If not they just rely on your old records n only if ur employment remains the same. If employment has changed, they can't issue u a new card as well
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Old Jan 16, 13, 8:52 am   #1034
  
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Originally Posted by b777jubilee View Post
Allow me to weigh it in. In Singapore, a credit card centre of a bank is usually a separate entity n they will not be able to access ur salary credit records, n the parent bank is not allowed by law to disclose even those theybare under the same group. Thus u needvto submit income statement. If not they just rely on your old records n only if ur employment remains the same. If employment has changed, they can't issue u a new card as well
If that is the case, why did they give the option of indicating that DBS is your salary crediting bank without the need to submit any income documents when applying for the credit card?

So they can assess that I'm eligible for the Altitude card via that option, but when reviewing my credit limit suddenly that method is not good enough?

Edit: And yes, I have changed companies from the past records (indicated clearly in my Altitude application form)
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Old Jan 17, 13, 11:41 am   #1035
  
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UOB Privi

Looks like UOB. PRIVI Amex is best card now as it gives same 1.6 miles per S$1 spend as DBS Altitude Visa or Amex for local spend even for the first $2,000 spend per month. Also best card for overseas spend as it gives 2.5 miles per S$1 overseas spend (versus 2.4 miles for DBS Treasure's Amex Black and DBS Altitude

Wondering if it is time to switch to UOB PRIVI.

The only worry is no expiry for DBS versus two year expiry for UOB.
With Krisflyer'd three year expiry rule, DBS no expiry makes it a good place to hold miles but with UOB one won't be able to go this

Aster, I see you are switching to UOB too. Is the mileage expiry an issue for you?
Also is foreign transaction fee and FX rate similar for DBS and UOB?
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