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)***
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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:
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$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
============
The 'Best credit cards for KF miles accrual' master thread
Mar 20, 2013, 8:39 am
#1201
Join Date: Jun 2007
Location: SIN
Programs: KrisFlyer, Asia Miles
Posts: 60
Citi Prestige Card
Just received my Prestige card. Boy was I mistaken about the relationship bonus. The card gives a 30% bonus to Citigold customers with a relationship of more than 10 years. Since the earn rate for local spend is 1.4 miles/$, I naively thought this would translate to 1.82 miles/$ with the bonus. This is not the case.
The bonus is calculated thus - Spend $50,000 in a year, receive 15,000 bonus CitiDollars (30% of 50k). In other words, just 6,000 more miles since 2.5 Citi$ = 1 mile. This gives an earn rate of 1.52 miles/$. Less if your relationship bonus is below 30%. Better than the ANZ Travel Card but by not much. And certainly less than the 1.6 miles/$ that UOB PrviMiles gives altho I am aware that the latter rounds down spend to the last multiple of $5.
Good to note too that the Travel Card promo of 2.8 miles/$ for overseas spend ends this month. Regular rate is 1.4 miles/$. Citi Prestige gives 2 miles/$. UOB PrviMiles still sets the benchmark of 2.5 miles/$.
The bonus is calculated thus - Spend $50,000 in a year, receive 15,000 bonus CitiDollars (30% of 50k). In other words, just 6,000 more miles since 2.5 Citi$ = 1 mile. This gives an earn rate of 1.52 miles/$. Less if your relationship bonus is below 30%. Better than the ANZ Travel Card but by not much. And certainly less than the 1.6 miles/$ that UOB PrviMiles gives altho I am aware that the latter rounds down spend to the last multiple of $5.
Good to note too that the Travel Card promo of 2.8 miles/$ for overseas spend ends this month. Regular rate is 1.4 miles/$. Citi Prestige gives 2 miles/$. UOB PrviMiles still sets the benchmark of 2.5 miles/$.
Mar 21, 2013, 8:28 am
#1202
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Just received my Prestige card. Boy was I mistaken about the relationship bonus. The card gives a 30% bonus to Citigold customers with a relationship of more than 10 years. Since the earn rate for local spend is 1.4 miles/$, I naively thought this would translate to 1.82 miles/$ with the bonus. This is not the case.
The bonus is calculated thus - Spend $50,000 in a year, receive 15,000 bonus CitiDollars (30% of 50k). In other words, just 6,000 more miles since 2.5 Citi$ = 1 mile. This gives an earn rate of 1.52 miles/$. Less if your relationship bonus is below 30%. Better than the ANZ Travel Card but by not much. And certainly less than the 1.6 miles/$ that UOB PrviMiles gives altho I am aware that the latter rounds down spend to the last multiple of $.
The bonus is calculated thus - Spend $50,000 in a year, receive 15,000 bonus CitiDollars (30% of 50k). In other words, just 6,000 more miles since 2.5 Citi$ = 1 mile. This gives an earn rate of 1.52 miles/$. Less if your relationship bonus is below 30%. Better than the ANZ Travel Card but by not much. And certainly less than the 1.6 miles/$ that UOB PrviMiles gives altho I am aware that the latter rounds down spend to the last multiple of $.
I'm staying well clear of this card.
Mar 21, 2013, 6:17 pm
#1203
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,174
Has anyone started using the new UOB Preferred Visa Platinum card that gives mega-miles for Paywave payments? 
Mar 21, 2013, 11:23 pm
#1204
Join Date: Apr 2011
Location: Singapore / India
Programs: SQ QPP, Hilton Diamond, IHG Platinum, Taj Inner Circle Gold
Posts: 639
So i have not used it much and i also have the UOB card that gives 4 miles/dollar for dining and many of the paywave merchants are also dining establishments. So I am not too sure yet if the paywave card is that useful.
Anyway, regarding ANZ 2.8 miles promotion. There is a cap of 14,000 points per month. Is that the double bonus only or it refers to the entire spending total both local and overseas.
Mar 22, 2013, 7:55 pm
#1205
Join Date: Jul 2010
Location: SIN
Posts: 543
Just got an email from Citi. 30% bonus when converting to Avios. With MH now an OW member, it might be worth it? Though I just took a look and the YQ is pretty high for their flights (so CX might be the better redemption option)
Citibank PremierMiles Card and British Airways Avios Promotion Terms and Conditions:
• ”Promotion” refers to the Citibank PremierMiles Card and British Airways Avios promotion.
• "Citibank" means Citibank Singapore Limited, "BA" means British Airways plc and Avios is the currency of the BA Executive Club.
• The Promotion commences on 15 March 2013 and ends on 30 April 2013, both days inclusive (“Promotion Period”).
• Cardmembers must be enrolled in the BA Executive Club in order to participate in this offer.
• Cardmembers will receive 0.3% bonus Avios for every one (1) Citi Mile converted to Avios during the Promotion Period. The base redemption rate is 1 Citi Mile to 1 Avios. The cardmember agrees that the Bank may at its discretion, without giving notice, change the redemption rate stated here.
• The transfer of Citi Miles to Avios will take at least five (5) business days and a S$25 administration fee will be charged for each transfer, for a minimum of 500 Citi Miles. The bonus Avios will be credited by BA once in every 15 days after the transfer of Avios. No cancellation of redemption request is allowed.
• The request of the transfer from Citi Miles to Avios must occur during the Promotion Period.
• It is the responsibility of the cardmember to provide a valid British Airways Executive Club membership number for the miles to be credited successfully.
• Taxes, fees, charges and surcharges, including but not limited to, airline surcharges may apply on British Airways and oneworld® partner airlines redemption flights and upgrades.
• The redemption and other mechanics of Citi Miles to Avios are governed by the Citibank PremierMiles Cardmember's Agreement. For full details, please visit www.citibank.com.sg.
• Both parties reserve the right to withdraw or cancel the Promotion or modify or alter the terms and conditions of such Promotion from time to time without notice without assigning any reason whatsoever.
• This Promotion cannot be used in conjunction with other promotions.
• This Promotion has no cash value and no cash or credit alternative is available. Converted Avios are non-refundable and non-transferable.
• Avios are issued subject to Executive Club Terms & Conditions. By taking part in this Promotion, Cardmembers consent to the personal data they supply being used by BA or its agents or subcontractors on a need to know basis solely for the purpose of administering this Promotion
• All issues relating to Avios must be resolved with BA directly. Citibank is not an agent of BA and assumes no liability or responsibility for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by BA. Notwithstanding anything herein, Citibank shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with the products and/or services provided by BA.
• Citibank's decision on all matters relating to the Promotion will be at its reasonable discretion and will be final, conclusive and binding on all participants. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to or in connection with this promotion, these terms and conditions will prevail.
• While the information provided herein is believed to be reliable as at the date of publishing, Citibank makes no representation or warranty whether expressed or implied, and accept no responsibility or reliability for its completeness or accuracy.
• A person who is not a party to these Terms and Conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore to enforce or enjoy the benefit of any term herein.
• These terms and conditions contained herein shall be governed by and construed in accordance with the laws of Singapore, and all participants who participate in the Promotion shall be deemed to have agreed to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
Citibank PremierMiles Card and British Airways Avios Promotion Terms and Conditions:
• ”Promotion” refers to the Citibank PremierMiles Card and British Airways Avios promotion.
• "Citibank" means Citibank Singapore Limited, "BA" means British Airways plc and Avios is the currency of the BA Executive Club.
• The Promotion commences on 15 March 2013 and ends on 30 April 2013, both days inclusive (“Promotion Period”).
• Cardmembers must be enrolled in the BA Executive Club in order to participate in this offer.
• Cardmembers will receive 0.3% bonus Avios for every one (1) Citi Mile converted to Avios during the Promotion Period. The base redemption rate is 1 Citi Mile to 1 Avios. The cardmember agrees that the Bank may at its discretion, without giving notice, change the redemption rate stated here.
• The transfer of Citi Miles to Avios will take at least five (5) business days and a S$25 administration fee will be charged for each transfer, for a minimum of 500 Citi Miles. The bonus Avios will be credited by BA once in every 15 days after the transfer of Avios. No cancellation of redemption request is allowed.
• The request of the transfer from Citi Miles to Avios must occur during the Promotion Period.
• It is the responsibility of the cardmember to provide a valid British Airways Executive Club membership number for the miles to be credited successfully.
• Taxes, fees, charges and surcharges, including but not limited to, airline surcharges may apply on British Airways and oneworld® partner airlines redemption flights and upgrades.
• The redemption and other mechanics of Citi Miles to Avios are governed by the Citibank PremierMiles Cardmember's Agreement. For full details, please visit www.citibank.com.sg.
• Both parties reserve the right to withdraw or cancel the Promotion or modify or alter the terms and conditions of such Promotion from time to time without notice without assigning any reason whatsoever.
• This Promotion cannot be used in conjunction with other promotions.
• This Promotion has no cash value and no cash or credit alternative is available. Converted Avios are non-refundable and non-transferable.
• Avios are issued subject to Executive Club Terms & Conditions. By taking part in this Promotion, Cardmembers consent to the personal data they supply being used by BA or its agents or subcontractors on a need to know basis solely for the purpose of administering this Promotion
• All issues relating to Avios must be resolved with BA directly. Citibank is not an agent of BA and assumes no liability or responsibility for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by BA. Notwithstanding anything herein, Citibank shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with the products and/or services provided by BA.
• Citibank's decision on all matters relating to the Promotion will be at its reasonable discretion and will be final, conclusive and binding on all participants. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to or in connection with this promotion, these terms and conditions will prevail.
• While the information provided herein is believed to be reliable as at the date of publishing, Citibank makes no representation or warranty whether expressed or implied, and accept no responsibility or reliability for its completeness or accuracy.
• A person who is not a party to these Terms and Conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore to enforce or enjoy the benefit of any term herein.
• These terms and conditions contained herein shall be governed by and construed in accordance with the laws of Singapore, and all participants who participate in the Promotion shall be deemed to have agreed to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
I can't find this promo on the website, is this promo target on selected customer?
Mar 22, 2013, 9:01 pm
#1206
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,820
Mar 23, 2013, 12:12 am
#1208
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,820
I'm saving my miles for redemption on SQ.
Last edited by lcpteck; Mar 23, 2013 at 11:29 pm Reason: wrong explanation.
Mar 23, 2013, 10:32 pm
#1209
Original Poster
Join Date: Dec 2009
Location: Singapore, Warsaw, Surfers Paradise
Programs: KrisFlyer Gold>>>Silver>>>Blue, Finnair Silver, Royal Caribbean Diamond
Posts: 5,174
I have. but it doesnt seem to be very widely accepted. Usually, those that accept these paywaves also accept ez-link and ezlink under Maybank Horizon also give 4miles/dollar and no rounding to the nearest 5 dollars. Only thing is that you don't have to watch your balance like in the ezlink. The process is also not as fast as ezlink. Yes, you tap, but it takes awhile for them to dial and receipt printed.
What kind of transaction limits are we looking at with EZ-link? With Visa/MC it's up to $100 for touch n' go transactions.
Mar 23, 2013, 10:55 pm
#1210
Join Date: Nov 2010
Posts: 50
Only if u are a rewards infinite member, and they have changed the requirements to be so strict that I can't get it anymore, so I stopped linking my ez link card with them.
Mar 24, 2013, 7:00 pm
#1211
Join Date: Feb 2010
Posts: 819
I stopped using Maybank Horizon VISA too for overseas transactions. Use Citi PM instead since both the same 2 miles/S$1 for overseas transactions and no need to create that block of 500 miles. Only lose out for the air ticket(s)/travel package(s), purchases at Perfumes & Cosmetics outlets in Singapore Changi Airport (2 miles/S$1).
Mar 25, 2013, 4:30 am
#1212
Join Date: Jul 2006
Location: SIN
Programs: TK, SQ, TG, NW, PCR, MR, SPG
Posts: 571
Me too!! I linked my EZ-link to ANZ Travel card for 5% rebate and 1.4miles/S$.
I stopped using Maybank Horizon VISA too for overseas transactions. Use Citi PM instead since both the same 2 miles/S$1 for overseas transactions and no need to create that block of 500 miles. Only lose out for the air ticket(s)/travel package(s), purchases at Perfumes & Cosmetics outlets in Singapore Changi Airport (2 miles/S$1).
I stopped using Maybank Horizon VISA too for overseas transactions. Use Citi PM instead since both the same 2 miles/S$1 for overseas transactions and no need to create that block of 500 miles. Only lose out for the air ticket(s)/travel package(s), purchases at Perfumes & Cosmetics outlets in Singapore Changi Airport (2 miles/S$1).
Maybank round off the cents of the total value to the nearest dollar (could be round up or round down depending whether it is $XX.50 or higher). While for Citi, your cents are dropped twice (round down), once at the 1.2 computation, and once more at the 0.8 computation.
Mar 25, 2013, 5:45 am
#1213
Join Date: Feb 2010
Posts: 819
Maybank Horizon slighty more favourable when it comes to points earning compared to Citi PM for overseas transactions:
Maybank round off the cents of the total value to the nearest dollar (could be round up or round down depending whether it is $XX.50 or higher). While for Citi, your cents are dropped twice (round down), once at the 1.2 computation, and once more at the 0.8 computation.
Maybank round off the cents of the total value to the nearest dollar (could be round up or round down depending whether it is $XX.50 or higher). While for Citi, your cents are dropped twice (round down), once at the 1.2 computation, and once more at the 0.8 computation.
Mar 25, 2013, 7:13 am
#1214
Join Date: Jul 2006
Location: SIN
Programs: TK, SQ, TG, NW, PCR, MR, SPG
Posts: 571
And using your same example, using Maybank will give 20*2=40 miles (equivalent from treats points), which is my point of Maybank slightly more favourable.
Mar 25, 2013, 7:30 am
#1215
Join Date: Feb 2010
Posts: 819
How Citi will calculate is not a straight multiply by 2. It will be (19*1.2)+(19*0.8). But based on your example, it will still yield the same result. Only small purchases will be affected e.g. a purchase of equivalent of SGD1.00 overseas (e.g. a can of soda in a convenient shop). It will yield (1*1.2)+(1*0.8)=1.2+0.0=1.2 . Anything less than 1 Citi Mile will be dropped.
And using your same example, using Maybank will give 20*2=40 miles (equivalent from treats points), which is my point of Maybank slightly more favourable.
And using your same example, using Maybank will give 20*2=40 miles (equivalent from treats points), which is my point of Maybank slightly more favourable.
But the problem now with Maybank Horizon VISA is that it is very hard to get Rewards Infinite membership. Hence only have foreign transactions to earn 5x points. And must create 1250=500 miles block. On top of that, Maybank points expire either on 30 June or 31 December of the SAME year if you are not an RI member. Like my RI ended on 28 Feb 2013, my points expire 31 Dec 2013. Too short. If need to charge extra to create that block of 500 miles, rate no good. $1 = 1 point = 0.4mile. Must keep track of spending to create that block within short deadline. For eg: after foreign spending, still short of 600 points to create that block and points expiring in couple of months time. Either forfeit or divert your spending...so not worth using Maybank Horizon VISA anymore.