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
Sep 20, 2017, 2:25 pm
#7291
Join Date: Jan 2016
Location: Singapore
Programs: KF, Marriott Gold, Hilton Gold
Posts: 182
And while we're on the topic of UOB's incompetence, I was looking at their website for the current UOB One Card 10th anniversary promo that gives 10% rebate if you set it up as a digitised card (e.g. Apple Pay, Samsung Pay, etc.) and spend via that method.
The website T&Cs say:
http://www.uob.com.sg/personal/cards...ne/mobile.html
Promotion is only applicable to principal Cardmembers of a UOB One Card ... who have successfully registered before 31 October 2017 via Short Message Service (SMS) ... and has an applicable minimum retail spend of S$500 for each qualifying period.
But the PDF T&Cs say:
http://uob.com.sg/assets/pdfs/one-ca...ebates-tnc.pdf
[Cardholder qualifies when] charges a minimum spend of S$500 worth of Eligible Transactions ... during any one of the following Qualifying Periods (defined as 10-31 Aug, 1-30 Sep, 1-31 Oct).
Now, "each qualifying period" and "any one of the qualifying periods" are two completely different things, a difference between S$1,500 versus S$500 spend!
No wonder their CSOs can't give a straight answer to straight questions over the phone, when their product managers are contradictory in their own T&Cs!!
The website T&Cs say:
http://www.uob.com.sg/personal/cards...ne/mobile.html
Promotion is only applicable to principal Cardmembers of a UOB One Card ... who have successfully registered before 31 October 2017 via Short Message Service (SMS) ... and has an applicable minimum retail spend of S$500 for each qualifying period.
But the PDF T&Cs say:
http://uob.com.sg/assets/pdfs/one-ca...ebates-tnc.pdf
[Cardholder qualifies when] charges a minimum spend of S$500 worth of Eligible Transactions ... during any one of the following Qualifying Periods (defined as 10-31 Aug, 1-30 Sep, 1-31 Oct).
Now, "each qualifying period" and "any one of the qualifying periods" are two completely different things, a difference between S$1,500 versus S$500 spend!
No wonder their CSOs can't give a straight answer to straight questions over the phone, when their product managers are contradictory in their own T&Cs!!
Sep 20, 2017, 4:07 pm
#7292
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
On the phone with UOB as I'm typing this, and vomitting blood in the process of trying to get the correct information.
I wanted to know for UOB PPV, where the monthly cap is now UNI$2,000 - does the UNI$ apply to full 10X earnings or just the 9X bonus earnings.
A) If applicable to full 10X earnings, then max spend per month is S$1,000.
B) If applicable to 9X bonus earnings only, then max spend per month is S$1,110.
First CSO told me B). My phone line got disconnected before the call was over. After I got through, second CSO told me A).
Why can't UOB ever provide a single version of the truth?! It's so frustrating...
I wanted to know for UOB PPV, where the monthly cap is now UNI$2,000 - does the UNI$ apply to full 10X earnings or just the 9X bonus earnings.
A) If applicable to full 10X earnings, then max spend per month is S$1,000.
B) If applicable to 9X bonus earnings only, then max spend per month is S$1,110.
First CSO told me B). My phone line got disconnected before the call was over. After I got through, second CSO told me A).
Why can't UOB ever provide a single version of the truth?! It's so frustrating...
And even if you have maxed out the limit of UNI$24,000 prior to 3 July for this year, it has resetted and the monthly limit of UNI$2,000 will apply going forward.
Sep 20, 2017, 9:16 pm
#7293
Join Date: May 2004
Location: SIN (LEJ once a year)
Programs: SQ, LH, BA, IHG Diamond AMB, HH Gold, SLH Indulged, Accor Gold, Hyatt Discoverist
Posts: 7,739
interesting, thanks for that snippet which means i can pull the card out of drawer and use for NTUC which will work with the monthly limit. Had burned the 24k uni$ before jul 2017.
Sep 20, 2017, 9:33 pm
#7294
Join Date: Jun 2006
Location: NYC/SIN
Programs: CX DM, SQ KF
Posts: 2,170
Expedia / UOB Prvi
Got a significant spend on flight bookings that are on participating airlines and Expedia's fare is as good as any other booking engine..
Should net me a neat stash of miles - ticks all the boxes in the T&Cs..but given UOB, anything to watch out for?
Should net me a neat stash of miles - ticks all the boxes in the T&Cs..but given UOB, anything to watch out for?
Sep 20, 2017, 11:40 pm
#7296
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Exactly! Unfortunately I bought a ton of NTUC vouchers to make up $9,000 spend for the Citi Premier Miles 42K promo so have more NTUC vouchers than I can consume in the near term. Maybe I should start selling them at a discount on Carousell...
Last edited by carrotjuice; Sep 20, 2017 at 11:46 pm
Sep 20, 2017, 11:42 pm
#7297
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Sep 21, 2017, 12:38 am
#7298
Join Date: Dec 2013
Location: Singapore
Programs: HHonors Gold, Marriott Bonvoy Titanium
Posts: 362
does anyone know when I will see the 42k miles credited? Also, is the payment of the promo signup (what's the term they called it?) automatic if I have signed up for the promo?
Sep 21, 2017, 7:26 am
#7299
Join Date: Jun 2006
Location: NYC/SIN
Programs: CX DM, SQ KF
Posts: 2,170
UOB PRVI Pay
Not sure if this has been discussed..realised just today, looking at the snail mail..
2Scpm to purchase the miles- might be useful for some..
Google gives:
http://www.uob.com.sg/prvi_pay/
2Scpm to purchase the miles- might be useful for some..
Google gives:
http://www.uob.com.sg/prvi_pay/
Sep 22, 2017, 12:52 pm
#7300
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
Sep 26, 2017, 8:34 pm
#7301
Join Date: May 2012
Location: SIN
Programs: JL GC | Marriott LT Silver | Global Entry | SQ Silver
Posts: 6,819
Not sure if this has been discussed..realised just today, looking at the snail mail..
2Scpm to purchase the miles- might be useful for some..
Google gives:
http://www.uob.com.sg/prvi_pay/
2Scpm to purchase the miles- might be useful for some..
Google gives:
http://www.uob.com.sg/prvi_pay/
Oct 7, 2017, 4:11 pm
#7302
Join Date: Apr 2007
Location: Anywhere
Posts: 6,576
Does anyone know what's the rule for credit card clearing in Singapore pertaining to merchants that impose their own limitations to accepting credit cards?
Today I was furious when told by a merchant that I could only use my card to pay when I spent a minimum of S$50 at the shop! (I've seen shops in Singapore impose a minimum spend of S$15, even S$20 - but never so outrageously S$50!)
Surely this isn't a system limitation because you can use Paywave for any amount from S$0.01. And the Singapore government is encouraging digital payments etc.
Do merchants have the right to impose these conditions willy nilly? How do we complain? I once called MasterCard when I faced this problem with some errant merchants in HK and they said call my own card issuer because my issuer "has responsibility to provide the desired level of service". But surely the card issuer is likely not the merchant's card acquirer, hence wouldn't have control over the errant merchant! And oftentimes the customer wouldn't know who the merchant's card acquirer is to complaint that the merchant isn't following the acquirer's rules.
If any one has had luck pursuing this, I'd very much like to know.
Today I was furious when told by a merchant that I could only use my card to pay when I spent a minimum of S$50 at the shop! (I've seen shops in Singapore impose a minimum spend of S$15, even S$20 - but never so outrageously S$50!)
Surely this isn't a system limitation because you can use Paywave for any amount from S$0.01. And the Singapore government is encouraging digital payments etc.
Do merchants have the right to impose these conditions willy nilly? How do we complain? I once called MasterCard when I faced this problem with some errant merchants in HK and they said call my own card issuer because my issuer "has responsibility to provide the desired level of service". But surely the card issuer is likely not the merchant's card acquirer, hence wouldn't have control over the errant merchant! And oftentimes the customer wouldn't know who the merchant's card acquirer is to complaint that the merchant isn't following the acquirer's rules.
If any one has had luck pursuing this, I'd very much like to know.
Oct 7, 2017, 4:31 pm
#7303
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
We've been discussing in HK since 2011 https://forum.hongkongcard.com/forumSE/show/5972
Even for travel agents (air tix) https://forum.hongkongcard.com/forumSE/show/8874
It's a matter of who bears interchange fees.
We've had data points where car dealers initially won't accept card for remainder payment of car (I mean the portion after downpayment), but will do so if we allow them to charge an extra 2% compensating them for interchange (if we have a really good promo on...)
But for small transactions
Visa Hong Kong Limited won't reply to cardholders
Issuers said not their problem
We sometimes get pissed off enough to try and find out who the merchant bank is and write to them. They don't write back to us even if they acted against the merchant though.
Even for travel agents (air tix) https://forum.hongkongcard.com/forumSE/show/8874
It's a matter of who bears interchange fees.
We've had data points where car dealers initially won't accept card for remainder payment of car (I mean the portion after downpayment), but will do so if we allow them to charge an extra 2% compensating them for interchange (if we have a really good promo on...)
But for small transactions
Visa Hong Kong Limited won't reply to cardholders
Issuers said not their problem
We sometimes get pissed off enough to try and find out who the merchant bank is and write to them. They don't write back to us even if they acted against the merchant though.
Last edited by percysmith; Oct 7, 2017 at 5:04 pm
Oct 8, 2017, 7:12 pm
#7304
Join Date: Mar 2015
Programs: HH Diamond, GHA Titanium
Posts: 1,961
No idea if "governing body" means MAS, or who you're supposed to raise the complaint to, though.
Oct 8, 2017, 8:24 pm
#7305
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
Well, the DBS website says: "In accordance with applicable regulations set by the respective governing bodies, merchants are not allowed to impose any minimum spend and/or pass on the surcharge to consumers who want to pay with their credit card."
No idea if "governing body" means MAS, or who you're supposed to raise the complaint to, though.
No idea if "governing body" means MAS, or who you're supposed to raise the complaint to, though.