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

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)***
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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

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

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

Old Sep 13, 2017, 3:13 am
  #7261  
 
Join Date: Sep 2013
Location: Asia
Programs: KF Gold | IHG Amb | SPG LTG | HH Gold
Posts: 548
Originally Posted by elleana
That's what I heard as well.. Currently sitting on ~90K voyage miles so can't quite redeem anything worth it yet anyhow.
Originally Posted by gummibar
I tried to do a redemption for my June Bali trip a couple of months ago and the quotes i had were horrendously bad. Since I did not want to renew, I cashed it in and converted my 78k VM to KF miles.

No more OCBC Credit Cards. Good riddance.
Thank you for the insights. This card has potential to be very good.

Oh well....
LuisHK is offline  
Old Sep 13, 2017, 7:37 am
  #7262  
 
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Any cards at this moment awarding points/cashback:
- top up at GTM machines
- top up ezlink via app
invisible is offline  
Old Sep 13, 2017, 1:01 pm
  #7263  
 
Join Date: Jan 2016
Location: Singapore
Programs: KF, Marriott Gold, Hilton Gold
Posts: 182
Originally Posted by gummibar
I tried to do a redemption for my June Bali trip a couple of months ago and the quotes i had were horrendously bad. Since I did not want to renew, I cashed it in and converted my 78k VM to KF miles.

No more OCBC Credit Cards. Good riddance.
Thats proper click bait. I'd avoid anything from a bank with such a track record.
spk307 is offline  
Old Sep 13, 2017, 9:16 pm
  #7264  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 6,533
Originally Posted by invisible
Any cards at this moment awarding points/cashback:
- top up at GTM machines
- top up ezlink via app
After the ANZ Visa Signature died, none that I know of.
carrotjuice is offline  
Old Sep 13, 2017, 11:46 pm
  #7265  
 
Join Date: Jun 2015
Posts: 62
Originally Posted by invisible
Any cards at this moment awarding points/cashback:
- top up at GTM machines
- top up ezlink via app
U can use M1 prepaid card for ezlink card top up with HSBC Revo, can get 2 miles/$; maximum 200$ per month
laurent_rio is offline  
Old Sep 14, 2017, 1:00 am
  #7266  
 
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Originally Posted by laurent_rio
U can use M1 prepaid card for ezlink card top up with HSBC Revo, can get 2 miles/$; maximum 200$ per month
That's known. Apart from that, nothing?
invisible is offline  
Old Sep 14, 2017, 11:47 pm
  #7267  
 
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: 422
Unhappy UOB wesbite not letting me submit credit card application

Hi,

I do not have an existing UOB bank account and have been trying to apply for the PPV and Preferred Visa Cards via the online application. Over the course of the last 3 months, I've tried multiple browsers on both Mac, and Windows but on each the application doesn't go through - after uploading the required documents I click 'continue' and then nothing happens.

Has this happened to anyone here and were you able to find a workaround?

I went to the Branch and they said it's only possible to apply for those cards online. The customer hotline can't help me and direct me back to the branch. I know that existing UOB account holders are able to apply for these two cards via online banking. Now I'm thinking I might just need to open a bank account with UOB to apply for these two cards.

Thanks in advance for your advice and suggestions!
lifeonthego_k is offline  
Old Sep 15, 2017, 3:47 am
  #7268  
 
Join Date: Apr 2007
Location: Anywhere
Posts: 6,533
Originally Posted by MilesBuzz
Is there still a card that you can use to pay for SP bllls as well as insurance and earn points?

I used DBS Altitude Visa card to pay for SP bills in the past few years (auto-charged in fact). However, it stopped rewarding points on bill payments wef July 2017.
Where does it say that SP Services no longer earn points? The site says points are ceased for only Community Chest, MSIG, Prudential and Town Councils effective 2 July 2017.

https://www.dbs.com.sg/personal/card...g-bill-payment

Last edited by carrotjuice; Sep 15, 2017 at 6:59 pm
carrotjuice is offline  
Old Sep 15, 2017, 5:29 am
  #7269  
 
Join Date: Jul 2005
Location: SIN and wandering.
Posts: 1,549
Which cards do you use for Grab/Uber??
SQ319 is offline  
Old Sep 15, 2017, 7:55 am
  #7270  
 
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Originally Posted by lifeonthego_k
after uploading the required documents I click 'continue' and then nothing happens.

Has this happened to anyone here and were you able to find a workaround?
Yes, I've described exactly the same situation dozen pages ago. No, there is no workaround, or at least I did not find one and I gave up.

Originally Posted by lifeonthego_k
I went to the Branch and they said it's only possible to apply for those cards online.
Exactly the message I was told. Also was told that card is 'demarketed'.
invisible is offline  
Old Sep 15, 2017, 7:58 am
  #7271  
 
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Originally Posted by carrotjuice
Where does it say that SP Services no longer earn points?
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 providers, 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).

https://www.dbs.com.sg/iwov-resource...gramme_tnc.pdf

Is Singapore Power government organization?
invisible is offline  
Old Sep 15, 2017, 9:51 am
  #7272  
 
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: 422
Originally Posted by invisible
Exactly the message I was told. Also was told that card is 'demarketed'.
I was told it's in the process of being phased out. But my Singaporean colleague just received her's (she does not have have a UOB bank account). So Weird. I will probably go to the branch tomorrow and open up an account just to apply for these really valuable cards.
lifeonthego_k is offline  
Old Sep 15, 2017, 11:22 pm
  #7273  
 
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: 422
Originally Posted by invisible
No, there is no workaround, or at least I did not find one and I gave up.
I visited the Branch today and although I couldn't apply for these cards there, the helpful agent asked me to make sure that my browser pop-up blocker was disabled when applying. Also, I tried applying on my mobile and in the end after uploading the docs in pdf (which they clearly state as an accepted file format) an error message came up saying 'invalid file format' (this error message never appeared while applying on my Mac).

So then at home I disabled the popup blocker on Firefox, converted by PDF files into PNG (another accepted file format) and tried applying again. Voila! I got an email confirmation from UOB receiving my application and now it's under processing.
lifeonthego_k is offline  
Old Sep 15, 2017, 11:34 pm
  #7274  
 
Join Date: Jul 2012
Location: SIN
Posts: 61
Originally Posted by lifeonthego_k
I visited the Branch today and although I couldn't apply for these cards there, the helpful agent asked me to make sure that my browser pop-up blocker was disabled when applying. Also, I tried applying on my mobile and in the end after uploading the docs in pdf (which they clearly state as an accepted file format) an error message came up saying 'invalid file format' (this error message never appeared while applying on my Mac).

So then at home I disabled the popup blocker on Firefox, converted by PDF files into PNG (another accepted file format) and tried applying again. Voila! I got an email confirmation from UOB receiving my application and now it's under processing.
What a lousy customer experience UOB has. Unbelievable.
Wadexis is offline  
Old Sep 16, 2017, 3:51 am
  #7275  
 
Join Date: Jan 2016
Location: Singapore
Programs: KF, Marriott Gold, Hilton Gold
Posts: 182
Originally Posted by lifeonthego_k
Hi,

I do not have an existing UOB bank account and have been trying to apply for the PPV and Preferred Visa Cards via the online application. Over the course of the last 3 months, I've tried multiple browsers on both Mac, and Windows but on each the application doesn't go through - after uploading the required documents I click 'continue' and then nothing happens.

Has this happened to anyone here and were you able to find a workaround?

I went to the Branch and they said it's only possible to apply for those cards online. The customer hotline can't help me and direct me back to the branch. I know that existing UOB account holders are able to apply for these two cards via online banking. Now I'm thinking I might just need to open a bank account with UOB to apply for these two cards.

Thanks in advance for your advice and suggestions!

if all else fails, go to their branch and apply for a basic credit card. A savings or current account will also help the application. Once you get the account and credit limit etc, it's easier to apply for premium cards. At least that's what I was informed.

Unfortunately UOB was unable to 'find' my credit report and rejected my application for basic card. This when I was able to get cards from Citi, Amex and DBS.
spk307 is offline  

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