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

stiwi Apr 27, 13 4:19 pm


Originally Posted by lsed (Post 20661535)
Now the question is, can you withdraw money from the EZ Card? If not how would it be used easily? 10X UNI$ is great but if its only for small amounts then nothing that fantastic isinit?

You can't withdraw cash from EZ link card, but you can use it at many places such as taxis, groceries shops etc.

Wouldn't it be easier and more convenient to apply for EZ-Reload instead? I believe this should be applicable for 10X UNI$. Although maximum value of top up is S$50 instead of $100, the top up charge is also lower at $0.25 and there is no need to activate it in AXS except for the first time. If you don't have enough credit on your EZ card it will automatically trigger top up at MRT, taxis, but might not work at retail shops. It is super convenient and I have had it linked to my Amex card with no issues.

According to EZ link website:
"You will also be able to enjoy the respective credit card privileges if you choose to sign up with other credit cards."

aster Apr 27, 13 11:18 pm

The good thing is that once you top-up then every dollar counts. So if you load $100 onto your EZ-link card then 25 x $4 transactions are fine too.

Now we all know that the UOB Platinum Preferred Visa generates mega-miles when using Paywave, and that covers Cold Storage and Meidi-Ya very nicely indeed. But Fairprice for instance does not take Paywave, though I'm fairly sure they accept EZ-link (as do CS btw).

aster Apr 28, 13 12:38 am

***Just a quick note to everyone here***

Lcpteck and I have been looking at updating the first post in this thread and it would be great if you could all pitch in with any ideas/proposals. ^

It looks like we might split the list into general "heavy-weight" flagships that each bank has when it comes to overall mileage earning, and then have a specialist list with cards that are of great value but only in a narrow field like internet purchases, Paywave, overseas spend, airfare purchases, etc.

Let us know your thoughts so that we can move forward together on this. @:-)

In the meantime the list in the first post will get a face-lift and I have already applied some card changes and added graphics to give everything a cleaner, crisp look.

vsepr Apr 28, 13 3:31 am

You missed out on ANZ Travel card: http://www.anz.com/singapore/en/Pers...s/travel-card/
1. S$1=1.4mile.
2. VISA Card.
3. 5% Rebate for EZ-link & Cold Storage/Marketplace/Giant (charge >S$600 in a calendar month).
4. Charge >S$1500 every 30 days and get a free limo ride to airport.
5. You save on conversion fees by using 1 card. (S$25 per transfer)
6. Transfer in blocks of 500 miles (not 10,000 miles).
7. No per S$5 rounding off. The entire charge is multiplied by 1.4miles, including cents. Only the decimal part for miles is rounded down. Eg. S$19.99 = 27 miles. (0.986 rounded off). UOB PRVI: 24 miles, Citi PM: 22.8 miles.
8. Miles valid for 5 years.

Only bad thing about ANZ is
1. no internet banking,
2. no bonus miles for overseas charges.
3. Miles valid for 5 years, not no expiry.

For UOB PRVI Miles AMEX, UOB Preferred Platinum Visa & DBS Altitude VISA/AMEX, 1 more CON: Transfer in blocks of 5000 UNI$/DBS points=10,000 miles.

For UOB PRVI Miles AMEX, UOB Preferred Platinum Visa, points are valid for 2 years only.

For DBS Altitude VISA/AMEX, "Points allocated on every $5 spent, rounded down to next $5." is incorrect. Points are divided by 5 (keeping the decimal place) and multiplied by 3, with the decimal place ignored after final calculation. Some rounding off involved. Minimum spending is S$1.67. If you charge S$1.67, you will get 2 miles. (1.67/5)x3= 1.002 points => 1 point =2 miles awarded.

For Citi PremierMiles Visa, 1 more PRO: S$192.60 annual fee can be waived if you do not want the 10,000 bonus miles. CON: For Asia Miles conversion, 1 CitiMile=0.4 Asia Mile, & Rounding off per S$ basis, ignore the cents.

You can include the new KrisFlyer Ascend Card: http://www.americanexpress.com/sg/si...nd-credit-card

PRO: 1st year free if apply online before 31 July 2013. 4 Complimentary airport lounge access, One complimentary night with Millennium Hotels and Resorts, First 3 months 2x bonus earning rate, up to S$1 = 1.66 mile, with some rounding off involved: The bonus KrisFlyer mile will be credited on the basis of 5 bonus KrisFlyer miles for every full block of S$6.

CONS: AMEX card, poor earning rate after first 3 months, S$1= 0.83 mile.

For Maybank Horizon VISA Platinum, the CONS are: 1. points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member. 2. Need to create that block of 1250 points = 500 miles to transfer. Can be a hassle if charges do not earn 5x points and approaching the points' expiry date.

aster Apr 28, 13 5:05 am

Thanks Vsepr, ^

Will start updating the info. For the KrisFlyer card, what is the general mileage-accrual ratio once the welcoming party is over and the fireworks have ceased?

I'd like to list the card as to how it is in the long-run and then put the initial bonuses under the "Pros" as they are just temporary.

I thought that DBS and UOB count the spending the same way, in $5 increments. Has something changed with DBS? Didn't they give 3 DBS points for every $5, so $5 up to $9.99 gives 3 points, $10 to $14.99 gives 6 points, $15 to $19.99 gives 9 points, and so on?

aster Apr 28, 13 5:08 am

Guys, for the DBS women's card and the 2k limit for internet spend at a good mileage ratio, is this a combined limit for the principal card and all supplementary cards, or does each card get this limit?

vsepr Apr 28, 13 5:32 am


Originally Posted by aster (Post 20664043)
Thanks Vsepr, ^

Will start updating the info. For the KrisFlyer card, what is the general mileage-accrual ratio once the welcoming party is over and the fireworks have ceased?

I'd like to list the card as to how it is in the long-run and then put the initial bonuses under the "Pros" as they are just temporary.

I thought that DBS and UOB count the spending the same way, in $5 increments. Has something changed with DBS? Didn't they give 3 DBS points for every $5, so $5 up to $9.99 gives 3 points, $10 to $14.99 gives 6 points, $15 to $19.99 gives 9 points, and so on?

American Express Singapore Airlines KrisFlyer Ascend Credit Card's normal rate after the 3rd month: Earn 1 KrisFlyer mile for every S$1.20 spent (S$1 = 0.83 mile)

DBS has not changed the way the points are awarded. Since the DBS Altitude AMEX card was launched in 2007, it has been like this. They keep the decimal place for the first division by 5.

Eg: a charge of S$28.88.

First, Divide by 5 and keep the decimal place: 5.776. (Unlike UOB)

After that multiply by 3: 17.328.

After that remove the decimal place: 17 DBS points is awarded = 34 miles.

demue Apr 28, 13 8:09 am

If one is concerned about the 24K annual spending on Maybank Horizon to get RI included then the option is to go for their World Mastercard that has the RI included and will be fee free for first year. After that it is 192$ or so (forgot exact amount) annually, but may get waived. The card has same benefits than Horizon, but more 10x vendors. EZ link is part of it.

aster Apr 28, 13 1:19 pm

Do the Maybank 10x vendors give 4 miles/$?

In my case the only vendor I visit often is Crystal Jade, but not regularly enough to go for a card aimed at this specific chain. The EZ-link thing sounds interesting, but then UOB Preferred Platinum Visa gives heaps of miles when you top up EZ-link online, plus it's a real gem when it comes to the Paywave feature. :)

vsepr Apr 28, 13 9:40 pm


Originally Posted by aster (Post 20665554)
Do the Maybank 10x vendors give 4 miles/$?

In my case the only vendor I visit often is Crystal Jade, but not regularly enough to go for a card aimed at this specific chain. The EZ-link thing sounds interesting, but then UOB Preferred Platinum Visa gives heaps of miles when you top up EZ-link online, plus it's a real gem when it comes to the Paywave feature. :)

Maybank's WORLD MasterCard is hard to get because of the income ($120k/annum) and Maybank is strict on this.

Actually, ANZ Travel Card is good for EZ-link top up because there is 5% rebate. For every S$50.25 top up, you get 70 miles and S$2.51 rebate, unlike other cards, where you either get points/miles or rebate only.

planetshakers Apr 28, 13 10:09 pm


Originally Posted by vsepr (Post 20667400)
Maybank's WORLD MasterCard is hard to get because of the income ($120k/annum) and Maybank is strict on this.

Actually, ANZ Travel Card is good for EZ-link top up because there is 5% rebate. For every S$50.25 top up, you get 70 miles and S$2.51 rebate, unlike other cards, where you either get points/miles or rebate only.

HSBC revolution gets you 7% rebate on EZlink reload and HSBC points!

aster Apr 28, 13 10:40 pm

Is EZ-reload good for auto-topup of a card primarily used for non-transport payments? I mean if I have $10 on the card and go into Cold Storage to spend $75 using EZ-link, will the auto-reload feature handle everything?

vsepr Apr 28, 13 11:02 pm


Originally Posted by planetshakers (Post 20667514)
HSBC revolution gets you 7% rebate on EZlink reload and HSBC points!

Yup, but only gives you 50 points = 20 miles for every $50.25 top-up.

vsepr Apr 28, 13 11:05 pm


Originally Posted by aster (Post 20667628)
Is EZ-reload good for auto-topup of a card primarily used for non-transport payments? I mean if I have $10 on the card and go into Cold Storage to spend $75 using EZ-link, will the auto-reload feature handle everything?

No....cannot use more than the value in the EZ-link card at the merchants. If you have $10, you can only use up to $10.

You can use EZ-link to pay at these places:
http://www.ezlink.com.sg/ez-link-card/where-to-use.php

demue Apr 29, 13 12:38 am


Originally Posted by vsepr (Post 20667712)
No....cannot use more than the value in the EZ-link card at the merchants. If you have $10, you can only use up to $10.

You can use EZ-link to pay at these places:
http://www.ezlink.com.sg/ez-link-card/where-to-use.php

yes that's the major pain with ez-link that auto top up doesn't work at CS or Guardian etc. Hence the way to load value onto card with UOB Visa as aster described is better I guess. Plus u get paywave benefits. I just can't stand UOB personally :)

I qualified for another year of RI with my Maybank Horizon so will stick with it for now. They send me a mailer for the World MC but I threw it out as it was before the silly 24k spend limit on Horizon Plat and the added 10x merchants didn't really tickle my fancy. Guess I'll look into it again or maybe also add ANZ or UOB Visa, if weren't so lazy.


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