Go Back  FlyerTalk Forums > Miles&Points > Airlines and Mileage Programs > Singapore Airlines | KrisFlyer
Reload this Page >

The 'Best credit cards for KF miles accrual' master thread

Community
Wiki Posts
Search
Old Oct 31, 2014, 6:05 am
FlyerTalk Forums Expert How-Tos and Guides
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

============

Print Wikipost

The 'Best credit cards for KF miles accrual' master thread

Thread Tools
 
Search this Thread
 
Old May 14, 2017, 8:33 pm
  #6931  
 
Join Date: Oct 2013
Location: Singapore
Programs: Marriott Titanium Elite, Hilton Diamond, Hyatt Explorist
Posts: 304
Originally Posted by lcpteck
Does anybody remember when did UOB PRVI Miles Amex changed their earn rate from 1.6miles per S$ to 1.4 miles for local spending? I forgot to update my spreadsheet after so long lol..
May 2015!
markcwj is offline  
Old May 14, 2017, 9:21 pm
  #6932  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
For the UOB PPV is the spending limit for 10X UNI$ at S$12,000 per calendar year (cap of 24,000 UNI$ for all amounts that earn 10X) or is it S$13,333 (cap of 24,000 UNI$ for 10X refers to the 9X portion only).

Terms seem to be a bit vague in this regard...
carrotjuice is offline  
Old May 15, 2017, 7:23 am
  #6933  
 
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Originally Posted by markcwj
May 2015!
Thanks!
lcpteck is offline  
Old May 17, 2017, 4:33 am
  #6934  
 
Join Date: Jun 2016
Posts: 53
Is anyone knows the payment to professional body like ACCA & ISCA qualifies 4 miles per $ if paid by DBS WWMC
Ghost07 is offline  
Old May 17, 2017, 8:40 pm
  #6935  
 
Join Date: May 2017
Location: Mauritius
Programs: KF Gold, *G, Hilton Diamond, Discovery Titanium
Posts: 133
Just saw this notice on the ANZ rewards page, any idea how the conversion to DBS will work? My rewards points on ANZ is supposed to expire end of 2018.

https://sg.anz.com/rewards/points/

Important Notice
Your unused Rewards Points will be transferred to DBS for future usage if you choose not to redeem via the ANZ Rewards Programme before the latest dates specified below:

19 June 2017: For Redemption of KrisFlyer Miles or Cash Credits
06 June 2017: For Redemption of all other Rewards including Travel Cash
You will receive more information prior to the transfer to DBS, or if you require immediate assistance, please call 1800 269 2269 or +65 6269 2269 (overseas).
elephentravels is offline  
Old May 18, 2017, 9:07 am
  #6936  
 
Join Date: Mar 2008
Posts: 8
The woman has finally died

Seems that for all women who had a fever after April 8th, they eventually died yesterday.
Oh well, time to finally bury the woman.
eddie_001 is offline  
Old May 19, 2017, 1:28 am
  #6937  
 
Join Date: Sep 2013
Location: Asia
Programs: KF Gold | IHG Amb | SPG LTG | HH Gold
Posts: 548
Originally Posted by eddie_001
Seems that for all women who had a fever after April 8th, they eventually died yesterday.
Oh well, time to finally bury the woman.
this woman lasted longer than I thought!

I'm sure something new will surface eventually.
LuisHK is offline  
Old May 19, 2017, 5:55 am
  #6938  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: SQ, LH, BA, IHG Diamond AMB, HH Gold, SLH Indulged, Accor Gold, Hyatt Discoverist
Posts: 7,739
And we are basing.that on a few posts by some guys over on HWZ where one person did some nets FLASH pay top up via app and spoke to one DBS CSR? Alamak.

I think we should wait for better evidence and see. Too much noise out there and DBS CSR aren't a reliable source for anything either. YMMV
demue is online now  
Old May 19, 2017, 8:21 am
  #6939  
 
Join Date: Mar 2008
Posts: 8
Originally Posted by demue
And we are basing.that on a few posts by some guys over on HWZ where one person did some nets FLASH pay top up via app and spoke to one DBS CSR? Alamak.

I think we should wait for better evidence and see. Too much noise out there and DBS CSR aren't a reliable source for anything either. YMMV
No, we are sure. I topped up on April 9th and didn't get it. Another guy topped up on 8th and got it. This has got nothing to do with Flashpay.

In any case, I had topped up in early May before this, so if I don't get anything next month, that's the final nail in the coffin.
eddie_001 is offline  
Old May 19, 2017, 9:06 am
  #6940  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: SQ, LH, BA, IHG Diamond AMB, HH Gold, SLH Indulged, Accor Gold, Hyatt Discoverist
Posts: 7,739
Originally Posted by eddie_001
No, we are sure. I topped up on April 9th and didn't get it. Another guy topped up on 8th and got it. This has got nothing to do with Flashpay.

In any case, I had topped up in early May before this, so if I don't get anything next month, that's the final nail in the coffin.
Interesting, not good if it holds, Checked my statement from 16th and I got full 10x, but I topped up on Apr 8 unknowingly. Did another one in early May, guess similar to you we will only know for sure when next statement hits.
demue is online now  
Old May 19, 2017, 10:31 pm
  #6941  
 
Join Date: Feb 2010
Posts: 819
Spoke to ANZ CSO. Confirmed ANZ Travel Card is replaced with DBS Altitude Card.

No news about if transfer to DBS need in blocks or in any amount. For example can transfer to DBS with 1234 Travel$ or must be in blocks of 2000 Travel$?

This is very important!!

With ANZ Travel card gone, there is no more S$1 = 1.4 miles card in Singapore!! UOB PRVI Miles need to spend in blocks of $10 to get 1.4 miles/$. If its S$5, only 3 UNI$=6 miles due to 0.5 UNI$ rounding off!!!

Seems like Citi PM card is the best card after ANZ Travel card, since earn in S$1, but the decimal place is rounded off. Example: S$1=1.2 miles, only 1 mile is awarded.
vsepr is offline  
Old May 19, 2017, 11:18 pm
  #6942  
 
Join Date: Jul 2005
Location: SIN and wandering.
Posts: 1,549
Originally Posted by vsepr
Spoke to ANZ CSO. Confirmed ANZ Travel Card is replaced with DBS Altitude Card.

No news about if transfer to DBS need in blocks or in any amount. For example can transfer to DBS with 1234 Travel$ or must be in blocks of 2000 Travel$?

This is very important!!

With ANZ Travel card gone, there is no more S$1 = 1.4 miles card in Singapore!! UOB PRVI Miles need to spend in blocks of $10 to get 1.4 miles/$. If its S$5, only 3 UNI$=6 miles due to 0.5 UNI$ rounding off!!!

Seems like Citi PM card is the best card after ANZ Travel card, since earn in S$1, but the decimal place is rounded off. Example: S$1=1.2 miles, only 1 mile is awarded.
Thanks for the information. I was going to cancel my card, but in the end decided not to, as I'm waiting to see what they're going to replace it with. THey have also waived my credit card fee as requested.

I've also converted most of my ANZ points to KF just in case the transfer is not favourable to us.
SQ319 is offline  
Old May 20, 2017, 4:24 am
  #6943  
 
Join Date: Oct 2003
Location: Living in SIN™
Programs: TK/SQ Gold, QR Plat, Marriott/Accor Plat, IC Dia Amb, HH Gold, Hertz PC
Posts: 6,706
Originally Posted by eddie_001
Seems that for all women who had a fever after April 8th, they eventually died yesterday.
Oh well, time to finally bury the woman.
Yes, I got nothing from the woman on 13th April
Savage25 is offline  
Old May 20, 2017, 9:20 am
  #6944  
 
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: SQ, LH, BA, IHG Diamond AMB, HH Gold, SLH Indulged, Accor Gold, Hyatt Discoverist
Posts: 7,739
Originally Posted by Savage25
Yes, I got nothing from the woman on 13th April
Well that sounds bad for sure. So is the woman at least more reliable than UOB PPV when it comes to online purchases? Looking for a card to use at redmart for example as UOB somehow stopped giving 4mls for what is clearly and online store
demue is online now  
Old May 20, 2017, 8:39 pm
  #6945  
 
Join Date: Mar 2017
Location: Singapore & Globe trotting
Programs: QR Gold, ITA Club Executive, Hilton Gold, GHA Titanium, Taj Gold, Accor Gold, Marriott Gold Elite
Posts: 425
I believe that UOB PPV is still giving 4mpd on CardUp. UOB's fin lab backed CardUp. So perhaps they are obligated to continue their support on this card. I'm finding it hard to apply for the card though.
lifeonthego_k is offline  


Contact Us - Manage Preferences - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.