Oct 31, 2014, 6:05 am
Last edit by: lifeonthego_k
I'm going to update this first post as more info flows in to create a 'master list' of all credit cards that offer a decent way of accruing miles - so please help out!
If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.
***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============
1. UOB PRVI Miles VISA, MasterCard, AMEX
VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/
Mileage accrual:
The earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).
Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name/FIN Number/NRIC together for all UOB cards which earn UNI$.
Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
2. UOB Preferred Platinum Visa
http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html
Mileage accrual: Earn 4 miles for every $1 spent using ONLY MOBILE CONTACTLESS every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments AND ORPHAN SPEND DUE TO $5 ROUNDING OR EXCEEDING THE BONUS U$2000 SPEND (every $5 gives 1 UNI$ which equal 2 miles).
Earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Mobile Contactless). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 transaction. ($1110/5)x9=1998UNI$, hence the last S$5 transaction will earn 2 bonus UNI$. The total bonus UNI$ awarded to you from qualifying spend on Selected Online Transactions and Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month. THE CAP IS ON THE 9 UNI$ BONUS NOT 10UNI$ TOTAL YOU GET WITH BASE OF U$1 PER $ SPEND
Keep in mind that some merchants offer different, non-mileage accruing awards with UOB cards which are called SMART$. Some popular merchants include Cold Storage, Guardian and Giant Supermarket, ToastBox and Starbucks. A full list of merchants where Mobile contactless transactions will NOT earn miles can be found here: http://www.uob.com.sg/personal/cards...smartclub.html
Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $192.60 for main and $96.30 for supplementary. Annual fee waived off easily.
Miles conversion fee: $25 per conversion, in blocks of 5000 UNI$=10,000 miles. UNI$ are combined in 1 cardholder's name for all UOB cards.
Pros: Incredible mileage accrual rates for Paywave transactions (not all merchants - some give SMART$ instead which are different rewards!) as well as internet transactions (some restrictions apply).
Cons: Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
3. Citi PremierMiles MasterCard
https://www.citibank.com.sg/credit-cards/travel/premiermiles-card/?ecid=PSGONSGCCAENPM
Mileage accrual: Earn 1.2 miles for every $1 spent. Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.
Requirements: min. income $50,000 for VISA. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000renewal bonus.
Miles conversion fee: $25 per conversion.
Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal. 11 frequent flyer programs & 3 hotel programs to choose from, including EVA Air - only 25,000 miles for 1 way Business Class within Asia!!
Cons: No miles awarded for EZ-Link & Transitlink transactions. Miles awarded per S$1. Cents not included. 1.2 miles/S$1. Transfer in blocks of 10,000 miles.
4. DBS Altitude VISA/AMEX
http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx
Mileage accrual: Earn 1.2 miles for every $1 spent (every $5 gives 3 DBS points which equal 6 miles). Earn 2 miles for every $1 spent OVERSEAS.
Requirements: min. income $80,000.
Cost: First year free, then $180 for main and $90 for supplementary. Annual fee waiver if you charge $25,000 or more in a year.
Miles conversion fee: S$26.75 per transfer, redeem 1700 DBS points to waive off.
Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 3, after that round down to nearest whole number. Minimum spend is S$1.67. Each DBS point = 2 miles). Earn 3 miles per S$1 spent on all online Flight and Hotel transactions (capped at S$5,000 per month). 10,000 miles renewal bonus if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (since Dec 1, 2013). AMEX not always accepted by merchants. Transfer in blocks of 5000 DBS points = 10,000 miles (on the plus side points don't expire). Per transfer of S$26.75, redeem 1700 DBS points to waive off.
5. Maybank Horizon Platinum Visa
http://info.maybank2u.com.sg/persona...visa-card.aspx
Earn 3.2 air miles (8X TREATS Points) with every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) with every dollar spent on air tickets, travel packages and foreign currency transactions, with a minimal S$300 in a calendar month
Earn 0.4 mile for every $1 spent elsewhere (1 mile for every $2.50 spent).
Requirements: min. income $30,000 ($80,000 for foreigners).
Cost: $150 for main, supplementary always free. Unsure of any annual fee waiver conditions.
Miles conversion fee: In blocks of 5,000 points to 2000 Asia Miles or KrisFlyer. S$26.75 fee applies.
Pros: Great for ticket purchases and overseas spend. Complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card 3 months prior to the date of travel.
Cons: Great ONLY for ticket purchases and overseas spend. Points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member.
6. Singapore Airlines KrisFlyer Ascend AMEX
https://www.americanexpress.com/sg/s...nd-credit-card
Mileage accrual: Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Annual fee cannot be waived unless you spend alot.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.
Pros: None, except for welcome offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts).
Cons: Simply nothing special - there are better cards available for all types of purchases, including flight tickets, even with all of the bonuses above applied. AMEX not always accepted by merchants.
7. Citibank Rewards Card
http://www.citibank.com.sg/gcb/credi...CACRENCCHOCALM
Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites, including SingTel & M1 online bill payment!
Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.
Cons: Points awarded per S$1 spend. Cents not included. Cannot combined Thank You Points across cards.
8. DBS Woman's World MasterCard® Card
http://www.dbs.com.sg/personal/cards...astercard-card
10X Rewards for Online Retail Purchases
T&C Here: https://www.dbs.com.sg/iwov-resource...s_card_tnc.pdf
Pros: Men also can get this card!! DBS points are combined in 1 cardholder's name. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 10, after that round down to nearest whole number. Minimum spend is S$1. Each DBS point = 2 miles).
Cons: DBS points are valid for 1 year based on card anniversary date. The additional 9X DBS Points for online retail spend in a calendar month will be awarded on the 16th of the next calendar month. If the above days are not working days, the Points will be awarded on the next working day. The additional 9X DBS Points are only applicable to the first S$2,000 online retail spend every calendar month.
9. OCBC Titanium Rewards Card
https://www.ocbc.com/personal-bankin...astercard.html
10x OCBC$ on your shopping Local & Overseas Shopping Transactions, Local & Overseas Department Store Transactions and Local & Overseas Online Transactions.
The remaining 9 OCBC$ will be posted to the Card Account by the end of the next calendar month
https://www.ocbc.com/assets/pdf/card...ons.pdf?rand=1
10,000 KrisFlyer miles requires OCBC$ 25000, For each conversion of OCBC$ to KrisFlyer miles a fee of S$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
============
If you know of and/or use any other cards (or the ones already mentioned), please share your thoughts.
***ALL VALUES BELOW IN SINGAPORE DOLLARS (SGD)***
============
In no particular order (apart from personal preference in terms of good-mileage opportunities):
============
1. UOB PRVI Miles VISA, MasterCard, AMEX
VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MasterCard:
http://www.uob.com.sg/personal/cards...astercard.html
Amex:
http://www.uob.com.sg/personal/cards...amex_card.html
http://www.uob.com.sg/personal/cards...ard/microsite/
Mileage accrual:
The earn rate will be 1.4 miles for every $1 spent in multiples of S$10 (every multiple of S$5 gives 6 to 7 miles due to 3.5 UNI$ rounding off, every S$10 gives 14 miles), and 2.4 miles for every $1 spent OVERSEAS (every $5 gives 12 miles).
Requirements: min. income $80,000 (not strict).
Cost: First year free, then S$256.80 for main, first two supplementary always free. Annual fee waiver for Amex card if you charge $50,000 or more in a year.
Miles conversion fee: $25 per conversion. UNI$ are combined in 1 cardholder's name/FIN Number/NRIC together for all UOB cards which earn UNI$.
Pros: Best mileage accrual rates for overseas spend only. 20,000 bonus miles and annual fee waiver with spend of $50,000 per year (both only for Amex card). $45 1-way airport transfer voucher for $1,000 overseas spend in a given quarter (Amex only).
Cons: AMEX not always accepted by merchants. Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
2. UOB Preferred Platinum Visa
http://www.uob.com.sg/personal/cards..._platinum.html
http://www.uob.com.sg/personal/cards...visa_card.html
Mileage accrual: Earn 4 miles for every $1 spent using ONLY MOBILE CONTACTLESS every $5 gives 10 UNI$ which equal 20 miles). Same incredible mileage-earning ratio for internet shopping with certain restrictions (travel-related, utilities, etc.). Earn 0.4 mile for every $1 for regular, signature-based payments AND ORPHAN SPEND DUE TO $5 ROUNDING OR EXCEEDING THE BONUS U$2000 SPEND (every $5 gives 1 UNI$ which equal 2 miles).
Earning 4 miles/$ is limited to the first S$1110 spent during the per calendar month (via Mobile Contactless). 2,000UNI$ refers to the extra 9UNI$ and does not include the normal 1UNI$.(Stop when you notice you earn 3UNI$ (1 + bonus 2) for the last S$5 transaction. ($1110/5)x9=1998UNI$, hence the last S$5 transaction will earn 2 bonus UNI$. The total bonus UNI$ awarded to you from qualifying spend on Selected Online Transactions and Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month. THE CAP IS ON THE 9 UNI$ BONUS NOT 10UNI$ TOTAL YOU GET WITH BASE OF U$1 PER $ SPEND
Keep in mind that some merchants offer different, non-mileage accruing awards with UOB cards which are called SMART$. Some popular merchants include Cold Storage, Guardian and Giant Supermarket, ToastBox and Starbucks. A full list of merchants where Mobile contactless transactions will NOT earn miles can be found here: http://www.uob.com.sg/personal/cards...smartclub.html
Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $192.60 for main and $96.30 for supplementary. Annual fee waived off easily.
Miles conversion fee: $25 per conversion, in blocks of 5000 UNI$=10,000 miles. UNI$ are combined in 1 cardholder's name for all UOB cards.
Pros: Incredible mileage accrual rates for Paywave transactions (not all merchants - some give SMART$ instead which are different rewards!) as well as internet transactions (some restrictions apply).
Cons: Points allocated on every $5 spent, rounded down to next $5. Transfer in blocks of 5000 UNI$ points = 10,000 miles. Points are valid for 2 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).
3. Citi PremierMiles MasterCard
https://www.citibank.com.sg/credit-cards/travel/premiermiles-card/?ecid=PSGONSGCCAENPM
Mileage accrual: Earn 1.2 miles for every $1 spent. Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.
Requirements: min. income $50,000 for VISA. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for VISA main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000renewal bonus.
Miles conversion fee: $25 per conversion.
Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal. 11 frequent flyer programs & 3 hotel programs to choose from, including EVA Air - only 25,000 miles for 1 way Business Class within Asia!!
Cons: No miles awarded for EZ-Link & Transitlink transactions. Miles awarded per S$1. Cents not included. 1.2 miles/S$1. Transfer in blocks of 10,000 miles.
4. DBS Altitude VISA/AMEX
http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx
Mileage accrual: Earn 1.2 miles for every $1 spent (every $5 gives 3 DBS points which equal 6 miles). Earn 2 miles for every $1 spent OVERSEAS.
Requirements: min. income $80,000.
Cost: First year free, then $180 for main and $90 for supplementary. Annual fee waiver if you charge $25,000 or more in a year.
Miles conversion fee: S$26.75 per transfer, redeem 1700 DBS points to waive off.
Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 3, after that round down to nearest whole number. Minimum spend is S$1.67. Each DBS point = 2 miles). Earn 3 miles per S$1 spent on all online Flight and Hotel transactions (capped at S$5,000 per month). 10,000 miles renewal bonus if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (since Dec 1, 2013). AMEX not always accepted by merchants. Transfer in blocks of 5000 DBS points = 10,000 miles (on the plus side points don't expire). Per transfer of S$26.75, redeem 1700 DBS points to waive off.
5. Maybank Horizon Platinum Visa
http://info.maybank2u.com.sg/persona...visa-card.aspx
Earn 3.2 air miles (8X TREATS Points) with every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) with every dollar spent on air tickets, travel packages and foreign currency transactions, with a minimal S$300 in a calendar month
Earn 0.4 mile for every $1 spent elsewhere (1 mile for every $2.50 spent).
Requirements: min. income $30,000 ($80,000 for foreigners).
Cost: $150 for main, supplementary always free. Unsure of any annual fee waiver conditions.
Miles conversion fee: In blocks of 5,000 points to 2000 Asia Miles or KrisFlyer. S$26.75 fee applies.
Pros: Great for ticket purchases and overseas spend. Complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card 3 months prior to the date of travel.
Cons: Great ONLY for ticket purchases and overseas spend. Points are valid for 1 year only, expire either on 30 June or 31 December of the same year if not Rewards Infinite member.
6. Singapore Airlines KrisFlyer Ascend AMEX
https://www.americanexpress.com/sg/s...nd-credit-card
Mileage accrual: Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Annual fee cannot be waived unless you spend alot.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.
Pros: None, except for welcome offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts).
Cons: Simply nothing special - there are better cards available for all types of purchases, including flight tickets, even with all of the bonuses above applied. AMEX not always accepted by merchants.
7. Citibank Rewards Card
http://www.citibank.com.sg/gcb/credi...CACRENCCHOCALM
Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites, including SingTel & M1 online bill payment!
Pros: Transfer to 11 FFPs & 3 Hotel programs in blocks of 25,000 points=10,000 miles; S$25 fee.
Cons: Points awarded per S$1 spend. Cents not included. Cannot combined Thank You Points across cards.
8. DBS Woman's World MasterCard® Card
http://www.dbs.com.sg/personal/cards...astercard-card
10X Rewards for Online Retail Purchases
T&C Here: https://www.dbs.com.sg/iwov-resource...s_card_tnc.pdf
Pros: Men also can get this card!! DBS points are combined in 1 cardholder's name. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' divided by 5, multiply by 10, after that round down to nearest whole number. Minimum spend is S$1. Each DBS point = 2 miles).
Cons: DBS points are valid for 1 year based on card anniversary date. The additional 9X DBS Points for online retail spend in a calendar month will be awarded on the 16th of the next calendar month. If the above days are not working days, the Points will be awarded on the next working day. The additional 9X DBS Points are only applicable to the first S$2,000 online retail spend every calendar month.
9. OCBC Titanium Rewards Card
https://www.ocbc.com/personal-bankin...astercard.html
10x OCBC$ on your shopping Local & Overseas Shopping Transactions, Local & Overseas Department Store Transactions and Local & Overseas Online Transactions.
The remaining 9 OCBC$ will be posted to the Card Account by the end of the next calendar month
https://www.ocbc.com/assets/pdf/card...ons.pdf?rand=1
10,000 KrisFlyer miles requires OCBC$ 25000, For each conversion of OCBC$ to KrisFlyer miles a fee of S$25 will be charged
10. UOB Lady's Card
https://www.uob.com.sg/personal/card...ard/index.page
============
The 'Best credit cards for KF miles accrual' master thread
Jun 5, 2017, 11:06 pm
#6991
Join Date: Jan 2016
Location: Singapore
Programs: KF, Marriott Gold, Hilton Gold
Posts: 182
Jun 6, 2017, 6:00 am
#6992
Join Date: Mar 2013
Location: singapore, the netherlands
Programs: SQ PPS, KLM Platinum, Air Berlin gold, HHonors Gold, SPG gold
Posts: 81
By the way, any particular reason why Citi Prestige isn't in the wiki? A Citi telemarketer just called to promote it and it does seem like a decent all rounder (2mpd foreign, 1.3mpd local). hefty $535 annual fee but offset by 35000miles 25000miles. full priority pass membership, 8x a year airport transfer, etc.
No good?
No good?
I also quite appreciate the concierge and limo service, though you have to direct enquiries to the right person vs the clueless ones.
Jun 6, 2017, 7:46 pm
#6993
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
04/06/2017 *TRANSFERWISE INTERNET SG SGD 631.13
06/06/2017 Citi Premiermiles(xxxx) Earned + 881
Jun 6, 2017, 8:01 pm
#6995
Join Date: Aug 2013
Posts: 92
I needed to send some money to my sister in the US, but as it was a small amount, I didn't want to get hit with the 40 or 50 bucks or whatever remittance fees that the banks charge.
So I tried https://transferwise.com/ which is supposed to be a "peer to peer" FX / remittance platform.
Anyway the real point here is that transferwise surprisingly has the option to "pay" using visa / creditcard at a 1.5% additional fee.
The numbers eventually were:
I sold -- sgd 615.80
I bought -- usd 445.62 (fx rate 1.3819 which is really close to mid rate)
Additional charges -- sgd 6.00 (remittance fee)
-- sgd 9.33 (1.5% credit card fee)
-- sgd 4.97 (0.8% DCC fee)
I don't know how many mpd this will post as. Assuming 1.2mpd, I paid sgd 14.30 to eventually get 745 miles, or sgd1.92cents per mile. Assuming 0.0mpd, I paid for nothing
I also don't know how reliable this site/startup is, and/or whether the money will take more time to reach my sister / never reach at all. Will let you guys know in time
So I tried https://transferwise.com/ which is supposed to be a "peer to peer" FX / remittance platform.
Anyway the real point here is that transferwise surprisingly has the option to "pay" using visa / creditcard at a 1.5% additional fee.
The numbers eventually were:
I sold -- sgd 615.80
I bought -- usd 445.62 (fx rate 1.3819 which is really close to mid rate)
Additional charges -- sgd 6.00 (remittance fee)
-- sgd 9.33 (1.5% credit card fee)
-- sgd 4.97 (0.8% DCC fee)
I don't know how many mpd this will post as. Assuming 1.2mpd, I paid sgd 14.30 to eventually get 745 miles, or sgd1.92cents per mile. Assuming 0.0mpd, I paid for nothing
I also don't know how reliable this site/startup is, and/or whether the money will take more time to reach my sister / never reach at all. Will let you guys know in time
Jun 6, 2017, 9:08 pm
#6996
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
Jun 6, 2017, 9:20 pm
#6997
Join Date: Sep 2013
Location: Asia
Programs: KF Gold | IHG Amb | SPG LTG | HH Gold
Posts: 548
For those who are intending to try CardUp, Citi Prestige has a promotion (end 31st Jul);
First Payment (up to S$4,000)
First 100 Cardmembers 0% CardUp fee
(Promo code: CITIZEROFEE)
Subsequent Cardmembers
1.9% CardUp fee
(Promo code: CITI19)
Subsequent Payments
2.4% CardUp fee
(Promo code: CITI24)
First Payment (up to S$4,000)
First 100 Cardmembers 0% CardUp fee
(Promo code: CITIZEROFEE)
Subsequent Cardmembers
1.9% CardUp fee
(Promo code: CITI19)
Subsequent Payments
2.4% CardUp fee
(Promo code: CITI24)
Jun 6, 2017, 9:33 pm
#6999
Join Date: Feb 2010
Posts: 819
http://www.uob.com.sg/assets/pdfs/te...-plat-visa.pdf
The damn problem with this card is S$5 rounding off.
Always try to top up $1 to $2 to buy extra unwanted stuff to create that S$5 block. For transactions <S$5, no UNI$. How many of your transactions can be in exactly S$5 multiples? For those amount <S$5 that are rounded off, they are gained by UOB because no UNI$ awarded for example, S$8.90. If you use payWave overseas such as in London, Paris, Zurich, Taipei, that's worse, because you need to estimate your purchase in S$ first before charging. If you calculate your total spending to create that UNI$5000 block to transfer 10,000 miles with all that S$5 rounded off, it is not $1 get 4 miles but lesser depending on total spending, unless majority of your transactions are in exact multiples of S$5.
I pissed the cashier off many times at NTUC or fast food/restaurants. I counted exactly in multiples of S$5 but they have some discount promo which is not stated at the shelf or menu. I had to take out or add on items or change items I want to order and people behind just stare at me. They thought this guy is a weirdo.
UOB is really smart & cunning.
Jun 6, 2017, 9:34 pm
#7000
Join Date: Feb 2016
Location: HOME
Programs: HH Dia;SPG Plat;Marriott Plat;GHA Black
Posts: 335
mind sharing what chain is this? I know that Hilton give you 1 free night if you book 5 nights but only with points, so will not be able to use the Citi Prestige concierge ?
Jun 6, 2017, 11:04 pm
#7001
Join Date: Jan 2016
Location: Singapore
Programs: KF, Marriott Gold, Hilton Gold
Posts: 182
Please visit the terms and conditions for the revised online merchant categories eligible for 10X UNI$ rewards effective 1 Jul 2017.
http://www.uob.com.sg/assets/pdfs/te...-plat-visa.pdf
The damn problem with this card is S$5 rounding off.
Always try to top up $1 to $2 to buy extra unwanted stuff to create that S$5 block. For transactions <S$5, no UNI$. How many of your transactions can be in exactly S$5 multiples? For those amount <S$5 that are rounded off, they are gained by UOB because no UNI$ awarded for example, S$8.90. If you use payWave overseas such as in London, Paris, Zurich, Taipei, that's worse, because you need to estimate your purchase in S$ first before charging. If you calculate your total spending to create that UNI$5000 block to transfer 10,000 miles with all that S$5 rounded off, it is not $1 get 4 miles but lesser depending on total spending, unless majority of your transactions are in exact multiples of S$5.
I pissed the cashier off many times at NTUC or fast food/restaurants. I counted exactly in multiples of S$5 but they have some discount promo which is not stated at the shelf or menu. I had to take out or add on items or change items I want to order and people behind just stare at me. They thought this guy is a weirdo.
UOB is really smart & cunning.
http://www.uob.com.sg/assets/pdfs/te...-plat-visa.pdf
The damn problem with this card is S$5 rounding off.
Always try to top up $1 to $2 to buy extra unwanted stuff to create that S$5 block. For transactions <S$5, no UNI$. How many of your transactions can be in exactly S$5 multiples? For those amount <S$5 that are rounded off, they are gained by UOB because no UNI$ awarded for example, S$8.90. If you use payWave overseas such as in London, Paris, Zurich, Taipei, that's worse, because you need to estimate your purchase in S$ first before charging. If you calculate your total spending to create that UNI$5000 block to transfer 10,000 miles with all that S$5 rounded off, it is not $1 get 4 miles but lesser depending on total spending, unless majority of your transactions are in exact multiples of S$5.
I pissed the cashier off many times at NTUC or fast food/restaurants. I counted exactly in multiples of S$5 but they have some discount promo which is not stated at the shelf or menu. I had to take out or add on items or change items I want to order and people behind just stare at me. They thought this guy is a weirdo.
UOB is really smart & cunning.
http://milelion.com/2017/04/18/putti...-issue-to-bed/
Disclaimer: i dont gain anything from this link - just sharing the info.
Jun 7, 2017, 12:21 am
#7002
Join Date: Sep 2013
Location: Asia
Programs: KF Gold | IHG Amb | SPG LTG | HH Gold
Posts: 548
You can book any hotel through the concierge for a minimum of 4 nights, what the bank will reimburse you is the average nightly rate of the 1st 4 nights excluding services and tax.
For example, you book a 4 nights hotel stay at the following rates:
$200
$200
$200
$600
Citi will reimburse you $300 via statement credit after the stay is completed.
(It used to be better that they refund you on the 4th night rate (ie: $600, incl service and tax), but not anymore)
If you manage to book a rate where 1 of the nights is free, for example:
$200
$200
Free
$600
Citi will reimburse you $250
Although I'm into the miles game, but for this single benefit from Citi Prestige I manage to save a lot of money on my annual hotel spending.
T&C here:
https://www.citibank.com.sg/prestige...ClickHereaPCCD
Last edited by LuisHK; Jun 7, 2017 at 12:27 am
Jun 7, 2017, 6:08 am
#7003
Join Date: Feb 2010
Posts: 819
More bad news:
http://www.dbs.com.sg/iwov-resources...gramme_tnc.pdf
2.6 With effect from 2 July 2017,
a) DBS Points will not be awarded for:
Bill payments and all transactions via AXS, SAM, eNETS;
Payments to educational institutions;
Payment to government institutions and services (court cases, fines, bail and bonds, tax
payment, postal services, parking lots and garages, intra-government purchases and any
other government services not classified here);
Payment to insurance companies (sales, underwriting, and premiums);
Payments to financial institutions (including banks and brokerages);
Payment to non-profit organisations;
Any top-ups or payment of funds to payment service provides, prepaid cards and any
prepaid accounts (including EZ-Link, NETS FlashPay and Transit Link);
Instalment payment plan purchases, preferred payment plans, balance transfer, fund
transfer, cash advances, annual fees, interest, late payment charges, all fees charged by
DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).
http://www.dbs.com.sg/iwov-resources...gramme_tnc.pdf
2.6 With effect from 2 July 2017,
a) DBS Points will not be awarded for:
Bill payments and all transactions via AXS, SAM, eNETS;
Payments to educational institutions;
Payment to government institutions and services (court cases, fines, bail and bonds, tax
payment, postal services, parking lots and garages, intra-government purchases and any
other government services not classified here);
Payment to insurance companies (sales, underwriting, and premiums);
Payments to financial institutions (including banks and brokerages);
Payment to non-profit organisations;
Any top-ups or payment of funds to payment service provides, prepaid cards and any
prepaid accounts (including EZ-Link, NETS FlashPay and Transit Link);
Instalment payment plan purchases, preferred payment plans, balance transfer, fund
transfer, cash advances, annual fees, interest, late payment charges, all fees charged by
DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).
Jun 7, 2017, 8:07 am
#7004
Join Date: Aug 2015
Location: SIN, BKK, MNL, HAM, TXL
Programs: KF*G, AB*G, IBP*G, LCAH*Plat, HH*D, ONYX*Plat, BW*DS
Posts: 90
By the way, any particular reason why Citi Prestige isn't in the wiki? A Citi telemarketer just called to promote it and it does seem like a decent all rounder (2mpd foreign, 1.3mpd local). hefty $535 annual fee but offset by 35000miles 25000miles. full priority pass membership, 8x a year airport transfer, etc.
No good?
No good?
To me, this card would prove useful just for the Priority Pass membership already. Any thoughts?
Jun 7, 2017, 8:59 pm
#7005
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
More bad news:
http://www.dbs.com.sg/iwov-resources...gramme_tnc.pdf
2.6 With effect from 2 July 2017,
a) DBS Points will not be awarded for:
„h Bill payments and all transactions via AXS, SAM, eNETS;
„h Payments to educational institutions;
„h Payment to government institutions and services (court cases, fines, bail and bonds, tax
payment, postal services, parking lots and garages, intra-government purchases and any
other government services not classified here);
„h Payment to insurance companies (sales, underwriting, and premiums);
„h Payments to financial institutions (including banks and brokerages);
„h Payment to non-profit organisations;
„h Any top-ups or payment of funds to payment service provides, prepaid cards and any
prepaid accounts (including EZ-Link, NETS FlashPay and Transit Link);
„h Instalment payment plan purchases, preferred payment plans, balance transfer, fund
transfer, cash advances, annual fees, interest, late payment charges, all fees charged by
DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).
http://www.dbs.com.sg/iwov-resources...gramme_tnc.pdf
2.6 With effect from 2 July 2017,
a) DBS Points will not be awarded for:
„h Bill payments and all transactions via AXS, SAM, eNETS;
„h Payments to educational institutions;
„h Payment to government institutions and services (court cases, fines, bail and bonds, tax
payment, postal services, parking lots and garages, intra-government purchases and any
other government services not classified here);
„h Payment to insurance companies (sales, underwriting, and premiums);
„h Payments to financial institutions (including banks and brokerages);
„h Payment to non-profit organisations;
„h Any top-ups or payment of funds to payment service provides, prepaid cards and any
prepaid accounts (including EZ-Link, NETS FlashPay and Transit Link);
„h Instalment payment plan purchases, preferred payment plans, balance transfer, fund
transfer, cash advances, annual fees, interest, late payment charges, all fees charged by
DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).
Any other card left?