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

aster Apr 20, 10 8:31 am

The 'Best credit cards for KF miles accrual' master thread
 
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/MC/AMEX (VISA RECENTLY INTRODUCED)

VISA:
http://www.uob.com.sg/personal/cards...iles_visa.html
MC:
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/

http://www.uob.com.sg/assets/images/...mastercard.png http://www.uob.com.sg/assets/images/..._amex_card.png

Mileage accrual: Earn 1.4 miles for every $1 spent (every $5 gives 7 miles). Earn 2.4 miles for every $1 spent OVERSEAS. Earn 3 miles for every $1 spent on Singapore Airlines, SilkAir & KrisShop.

Requirements: min. income $80,000.
Cost: First year free, then $256.80 (regardless whether you choose VISA/MC/AMEX) 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.

Pros: Decent mileage accrual rates for both local & overseas spend, though no longer the best around. 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...visa_card.html

http://www.uob.com.sg/assets/images/...Pg-560x180.jpg

Mileage accrual: Earn a MASSIVE 4 miles for every $1 spent using VISA Paywave contactless payments (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 (every $5 gives 1 UNI$ which equal 2 miles).

WARNING: from Jan 1st, 2015, earning 4 miles/$ is limited to the first $12,000 spent during the entire calendar year (via Paywave and online).

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. A full list of merchants where Paywave 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. Unsure of any annual fee waiver conditions.
Miles conversion fee: $25 per conversion.

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. ANZ Travel Visa

http://www.anz.com/singapore/en/Pers...s/travel-card/

http://www.anz.com/resources/3/9/393...el_178x144.jpg

Mileage accrual: Earn 1.4 miles for every $1 spent (every $0.72 gives 1 mile). IMPORTANT: The entire charge is multiplied by 1.4 miles, including cents. ^ 10,000 bonus miles for each annual membership renewal.

PROMOTION: EARN 2.8 miles/$ for direct flight bookings with Qantas and Jetstar airlines or retail spend in Australia and New Zealand.

Requirements: min. income $60,000 ($90,000 for foreigners).
Cost: First year free, then $200 for main and $100 for supplementary. Unsure of any annual fee waiver conditions.
Miles conversion fee: $25 per conversion.

Pros: Decent card for local spend. Charge >S$1,500 every 30 days and get a free limo ride to airport. Transfer in blocks of 2,000 miles.
Cons: No internet banking. :td: Points are valid for 5 years (transfer before expiry and they will subsequently be valid for a further 3 years from the date of transfer to KrisFlyer).

4. Citi PremierMiles Visa

http://www.citibank.com.sg/gcb/credi...s/cc_xx_pm.htm
http://www.citibank.com.sg/global_do...iles/index.htm

https://www.citibank.com.sg/gcb/cred...bbanner_pm.gif

Mileage accrual: Earn 1.2 miles for every $1 spent (every $0.83 gives 1 mile). Earn 2 miles for every $1 spent OVERSEAS. 10,000 bonus miles for each annual membership renewal.

Requirements: min. income $60,000. Principal cardholder must be at least 21 years of age.
Cost: First year free, then $192.60 for main, supplementary always free. Annual fee waiver available in exchange for forfeiting the 10,000 miles renewal bonus.
Miles conversion fee: $25 per conversion.

Pros: Decent all-rounder, good for overseas spend. Points never expire. Bonus miles for annual card renewal and spend >$50,000.
Cons: None except for local spend at only 1.2 miles/$.

5. DBS Altitude VISA/AMEX

http://www.dbs.com/sg/personal/cards...e/default.aspx
http://www.dbs.com/sg/personal/cards...e/default.aspx

http://www.dbs.com.sg/Resources/pers...e_visa_alt.jpg http://www.dbs.com.sg/Resources/pers...itude-amex.jpg

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: $42.80 annually for unlimited conversions.

Pros: Points never expire. No rounding down transaction amount to nearest $5 (calculation is done as follows: DBS points = 'transaction amount' multiplied by 3, divided by 5. Round down to nearest whole number. Each DBS point = 2 miles). Occasional bonus points promos, like the one during October-December where tickets purchases on Singapore Airlines, SilkAir, Cathay Pacific, Thai Airways and United Airlines (for travel anytime) generated 4 miles for every $1 spent! 10,000 miles renewal bonus if and only if you have to pay card renewal fees.
Cons: All local spend now down to 1.2 miles/$ (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).

6. Maybank Horizon Platinum Visa

http://info.maybank2u.com.sg/persona...visa-card.aspx

http://info.maybank2u.com.sg/images/...-card-main.jpg

Mileage accrual: Earn 2 miles for every $1 spent on air tickets, perfumes & cosmetics purchased at Changi, and all overseas spend.

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: free.

Pros: Great for ticket purchases and overseas spend.
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. Need to transfer in blocks of 1250 points = 500 miles to transfer.

7. Singapore Airlines KrisFlyer Ascend AMEX

https://www.americanexpress.com/sg/s...nd-credit-card

https://icm.aexp-static.com/Internet...end_100X63.png

Mileage accrual: Earn 1 mile for every $1.20 spent (every $1 gives 0.83 mile). Double miles for tickets bought at singaporeair.com for outbound departure from Singapore (offer does not apply to SilkAir).

Requirements: min. income $50,000 ($60,000 for foreigners). Principal cardholder must be over 21 years of age.
Cost: First year free for online application before 31 July 2013, otherwise $256.80 for main, 2 supplementary cards always free (more available at $80.25 each). Unsure of any annual fee waiver conditions.
Miles conversion fee: None - your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.

Pros: None, except for a 5,000 miles sign-up bonus and other welcome/temporary offers (4 complimentary airport lounge access vouchers, one complimentary night with Millennium Hotels and Resorts, bonus 2x mileage earning rate for first 3 months).
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. Poor mileage accrual rate after first 3 months. AMEX not always accepted by merchants.

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

Please pitch in with info about any other cards that could be of interest to us miles earners. :)

TerryK Apr 20, 10 10:51 am

Are the dollar figures in SGD or USD?:confused: Some figures say S$, some just say $.

aster Apr 20, 10 11:22 am

All SGD.

Supersonic Swinger Apr 20, 10 8:47 pm

6. American Express Krisflyer Gold Credit Card (https://www212.americanexpress.com/d...00cef4ad94RCRD)

Mileage accrual: 1 mile for every $1SGD spent.

Requirements: min. income $40,000 (SGD residents) $60,000 expats.
Cost: First year free, then $50 basic card fee and $60 Service fee for transferring miles.
Pros: 5,000 bonus miles on first use.
Cons: AMEX not always accepted by merchants. See also my letter below to Amex when they recently sent me an application form for this card:


To American Express

Thanks for the offer of the Singapore Airlines Krisflyer American Express Card but will decline for the following reasons:

* A 5,000 point activation bonus is no incentive. In other countries 25,000 point bonuses for signing on for credit cards are the norm.
* Points are rewards when you can redeem them for long-haul business class travel. Most Business awards on Singapore Airlines are available only at the middle or highest tiers which require a lot of spending or flying to even reach.
* The 3 year expiry date on points regardless of how many I have accumulated or how often is not what I consider part of a loyalty program. Requiring cash payment to extend them is even less a reflection of my loyalty. Programs which extend the life of all my points if I have qualifying point earn are the only ones I am interested in.
* The example of a return flight to Bali after $12,000 of spend is not really compelling. The taxes and fees payable on such a redemption total $104.20. The cheapest flights I can find on the web for flights are $255. Effectively the redemption gives a $150 saving for $12,000 of card spend. After the $60 Service fee for points transfers, this is effectively the same as a card giving a less than 1% cash rebate.
* The card does not provide any other benefits such as ability to earn miles towards status, access to lounges, companion passes, etc.
* Other reasons related not to the card but the Krisflyer program:
o the loyalty program Singapore Airlines has for it's valued customers is called PPS, not Krisflyer
o there is no ability to work towards lifetime status with the program

I would be interested though if you were launching a Singapore equivalent of the Starwood Preferred Guest Card you have available in the US. Alternatively, if you could add a greater variety of airline partners to the Membership Rewards program such as you do in the US, UK, or Australia.

Guy Betsy Apr 20, 10 10:48 pm

Great work aster. I've hyper-linked this thread from the SQ FAQ v2 forum.

^

Guy Betsy
Singapore Airlines Krisflyer forum co-moderator

Merlion Apr 21, 10 12:34 am

7. American Express Centurion Singapore

Mileage accrual: 1 mile for every $1SGD spent. (Done through AmEx Reward Points)

Requirements: Unknown, but wast advised SGD$400.000 spending.
Cost: 5000 SGD.
Pros: 10 points per 1 SGD at broad range of outlets in Singapore including F&B and stores like Tiffany. 2 Nights complimentary stay when buying 2 business class tickets to all locations except Kuala-Lumpur and Bali plus complimentary 1-way chauffeur ride. 5 points per dollar spent for First and Business Class tickets on SQ.
Cons: Cost of the card.

weero Apr 22, 10 3:53 am

Good work aster ^!

Originally Posted by aster (Post 13807949)
..Pros: Occasional bonus points promos, like the one in December where tickets purchases on major airlines like SIA and Cathay (for travel anytime) generated 4 miles for every $1 spent!..

Does major airline include UA and/or other US carriers?

SingaporeDon Apr 22, 10 7:05 am


Originally Posted by aster (Post 13807949)
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!

[3. Citi PremierMiles Visa

Mileage accrual: 1.2 miles for every $1 spent.

Great thread, Aster!

Please change Citi PremierMiles Visa mileage accrual to "1 mile for .83 cents" to make it easy to compare with the way you have listed other credit card accrual rates.

Also, may be useful to add details about how points expire. I know that the DBS Treasures Black Amex card points expire on a particular date every year, so you are supposed to transfer before that date, including the miles earned in the last month before the expiry date, even though you may not even know how many points you have earned in that last month by the time the deadline come!. Luckily, they normally give you one month grace to move the points to airline frequent flyer milesNOW ALL DBS CARDS HAVE NO EXPIRY DATE - SO PARK THEM WITH DBS AND TRANSFER THEM TO KRISFLYER ONLY WHEN YOU NEED THEM, AS KRISFLYER STILL HAS THREE YEAR EXPIRY ON MILES

By the way, I have found this card, with double points for overseas spend (1 mile for S$ 0.42 = US$0.30 cent spend) one of the best ways to accrue Krisflyer miles, inspite of the FX charge that AMEX will add to foreign spend

sagorion Apr 22, 10 7:37 am


Originally Posted by Supersonic Swinger (Post 13812795)
6. American Express Krisflyer Gold Credit Card (https://www212.americanexpress.com/d...00cef4ad94RCRD)

Mileage accrual: 1 mile for every $1SGD spent.

Requirements: min. income $40,000 (SGD residents) $60,000 expats.
Cost: First year free, then $50 basic card fee and $60 Service fee for transferring miles.
Pros: 5,000 bonus miles on first use.
Cons: AMEX not always accepted by merchants. See also my letter below to Amex when they recently sent me an application form for this card:

I don't think you get 1 mile for very S$1. More like 1 mile for every S$1.60...

aster Apr 24, 10 12:05 am

@Guy Betsy, many thanks - will keep this list updated with any good cards that come along (those with at least "comparable" mileage accrual offers).

@Merlion, what is the application process for that card? Also, 1 mile per $1 all they give for such an expensive card? :)

@Weero, the 10x DBS points (in effect 4 miles/$1 spent) for tickets purchased October - December 2009 applied to: Cathay Pacific Airways, Singapore Airlines, SilkAir, Thai Airways and United Airlines.

I still have the link to that promo: http://www.dbs.com.sg/sg/personal/ca...e/default.aspx

Interestingly my miles weren't posted automatically because I bought tickets at SQ ex-Europe so they weren't charged in SGD. I had to make a complaint before receiving the extra miles.

@SingaporeDon, will do, update coming up in a few sec. Will also start gathering info about points expiry. Which card did you have in mind regarding double points for overseas spend? DBS Treasures AMEX and the Maybank Horizon Platinum Visa both offer this…

@sagorion, correct - I have just added this card with all the details

aster Apr 24, 10 12:12 am

Updates:

- points/miles conversion fees added for ALL cards
- Singapore Airlines KrisFlyer Gold AMEX added, including explanation of all the bonuses and example of max miles for ticket purchase
- as per SingaporeDon's request, Citi PremierMiles Visa mileage accrual now listed as: 1 mile for every $0.83 spent (every $1 gives 1.2 miles)
- notice in CAPS above card list about all values posted being in SGD

weero Apr 24, 10 2:56 pm


Originally Posted by aster (Post 13833298)
..@Weero, the 10x DBS points (in effect 4 miles/$1 spent) for tickets purchased October - December 2009 applied to: Cathay Pacific Airways, Singapore Airlines, SilkAir, Thai Airways and United Airlines.

I still have the link to that promo: http://www.dbs.com.sg/sg/personal/ca...e/default.aspx

Interestingly my miles weren't posted automatically because I bought tickets at SQ ex-Europe so they weren't charged in SGD. I had to make a complaint before receiving the extra miles..

Cool. Maybe a chance for the promo do return ... that would be ace.

SMK77 Apr 24, 10 10:10 pm

American Express still has the 10+10 membership rewards point promotion for the Platinum Charge Card (up to 16.000 SGD) and the Platinum Reserve Card (up to 4.000 SGD):

For every SGD spent with Platinum Partners, one earns 7.8 KF miles!

http://www.10timesmembershiprewards.com.sg/earn-points

Depending on how much you value one KF mile - the discount is pretty substantial:

16.000 SGD spending on the Charge Card gets you 124.800 KF miles. A saver return in First Class SIN-FRA is 140.250 KF miles.

Merlion Apr 24, 10 10:51 pm


Originally Posted by aster (Post 13833298)
@Merlion, what is the application process for that card? Also, 1 mile per $1 all they give for such an expensive card? :)

Invitation by AmEx. You need to spend above 400.000 in one year, but not sure exactly on amount.

Merlion Apr 24, 10 10:52 pm


Originally Posted by SMK77 (Post 13837720)
American Express still has the 10+10 membership rewards point promotion for the Platinum Charge Card (up to 16.000 SGD) and the Platinum Reserve Card (up to 4.000 SGD):

And no limits for Centurion.

On website, it says limit 16.000, but in paper brochure says no limits. I guess this is up for the clarification.

3TEN Apr 25, 10 2:52 am


Originally Posted by SingaporeDon (Post 13821738)
Great thread, Aster!

Please change Citi PremierMiles Visa mileage accrual to "1 mile for .83 cents" to make it easy to compare with the way you have listed other credit cards accrual rates.

Also, may be useful to add details about how points expire. I know that the DBS Treasures Black Amex card points expire on a particular date every year, so you are supposed to transfer before that date, including the miles earned in the last month before the expiry date, even though you may not even know how much you have earned in that last month by the time the deadline come!. Luckily, they normally give you one month grace to move the points to airline frequent flyer miles

By the way, I have found this card, with double points for overseas spend (1 mile for S$ 0.42 = US$0.30 cent spend one of the best ways to accrue Krisflyer miles, inspite of teh FX charge that AMEX will add to foreing spend

The earn rate for Citi PremierMiles is not exactly S$0.83 = 1mile even though it is S$1 = 1.2miles. I am using the PremierMiles card, every transaction is rounded DOWN to the nearest dollar, and every S$1 earns 1.2 miles. All transactions that are installment-plan will not earn you any miles. The Citi Miles do not expire if you do not transfer out to any of the 4 FFP (SQ, TG, DL, CX).

aster Apr 25, 10 5:54 am

Yeah, I thought they'd do that.

That's why I put the exact amount in parenthesis (1.2 miles for every $1). Same thing with the DBS Altitude AMEX, it's roughly 83 cents/mile but in parenthesis the exact wording is used: 6 miles for every $5 spent. They also round down, so if you spend $9.99 it's the same as spending $5 in terms of mileage accrual.

Or maybe I should do it the other way around and write: 1.2 miles for every $1 spent, rounded down to nearest dollar (approx. 1 mile for every $0.83)

fumo Apr 25, 10 7:51 pm

do dbs and citibank charges fees for conversion?

how about including the fees for frequent flyer programs with the different banks?

i know that there is no charge for maybank horizon card.

aster Apr 26, 10 12:52 am


Originally Posted by aster (Post 13833313)
Updates:

- points/miles conversion fees added for ALL cards
- Singapore Airlines KrisFlyer Gold AMEX added, including explanation of all the bonuses and example of max miles for ticket purchase
- as per SingaporeDon's request, Citi PremierMiles Visa mileage accrual now listed as: 1 mile for every $0.83 spent (every $1 gives 1.2 miles)
- notice in CAPS above card list about all values posted being in SGD

Fumo, you must have missed my post from the previous page. All this has already been done. ^

chrisksc Apr 26, 10 3:53 am

Thanks aster for spearheading this list. ^ It is not an easy task as almost every credit card issued in Singapore has the option to convert to KF miles. Some have rather complicated T&Cs.

Here are some suggestions to include:

1) In the Pro/Con, list those "forced" conversion of points to miles (ie KF Amex Gold every month auto convert/tranf to KF account thus miles will expire in 3yrs, etc)

2) List the minimum "block" of points to convert from points to miles (ie UOB minimun is UNI$5,000, etc)

3) Promotions <this will need to be updated (and archived for future reference ??> (ie UOB Privi Amex just started a 10x UNI$ for 3 months, etc)

Btw, MayBank has a maximum 999,999 Points to be held in the account at any one time. Which means, if your account has a balance of 999,999 points, all future transactions would not earn any more points. Remedy is to transfer out the points.

Also, to include UOB Privi Amex credit card. This is rather complicated with their annual bonuses as well as loyalty bonuses (10% every year to a max of 40%)

Good luck! :-:

aster Apr 26, 10 8:50 am

Thanks. ^ At first I was going to just include info that would be part of the decision-making process, where the amount of miles per $ spent is probably the #1 factor.

I even thought about ditching the card cost info as it isn't really a major factor, I mean whether the card costs $120 or $180... people are still going to go for the one that gives them the best rate of return in terms of mileage accrual.

As part of the "conversion cost" info I can add if forced conversions take place & the chunks in which points are converted.

I looked at the UOB card months ago but it seemed like a poor offer compared to the other cards out there. So far I've only added cards which are either the top ones in general or at least in a specific area, the sole exception being the official KrisFlyer one which does not appear to be better in any way.

aster May 11, 10 5:19 am

UOB and OCBC are unfortunately still not in the mileage game in any serious way, so no cards being added from them.

DBS just improved it's offer for their Altitude AMEX card which is already one of the best CCs on the market:

http://www.dbs.com/sg/personal/cards...s/default.aspx

:-: ^

uproared May 11, 10 6:39 am

For the Australian market, here's the card I use:

http://info.westpac.com.au/singapore...mBenefits.aspx


20,000 KrisFlyer miles received after your first purchase using either of your cards


On your Singapore Airlines Westpac American Express® Card, earn:

1.5 KrisFlyer miles for every $1 spent on purchases


On your Singapore Airlines Westpac Visa Card, earn:

1.5 KrisFlyer miles for every $1 spent on purchases with merchants located outside of Australia

1 KrisFlyer mile for every $1 spent on purchases with merchants located within Australia

$125 annual fee for the first year (usually $250)


It's a great card. When the first started it they had a double points promo on for the AMEX for the first several months, so 3 points per $1 AUD.

lokijuh May 11, 10 10:54 am


Originally Posted by aster (Post 13807949)
I'4. Citi Platinum Visa/MasterCard

Mileage accrual: 1 mile for every $0.50 spent (every $5 gives 5 Citi Dollars which equal 10 miles) at supermarkets (Carrefour . Cold Storage . Giant . Market Place . NTUC Fair Price . Shop N Save . Singapore Meidi-Ya) and department stores (Tangs . Isetan . John Little . Marks & Spencer . Metro . OG . Robinsons . BHG . Takashimaya Department Store).

1 mile for every $2.50 spent elsewhere.

Requirements: min. income $30,000 ($60,000 for foreigners).
Cost: First year free, then $150 for main and $80 for supplementary. Annual fee waiver if you charge $15,000 or more per year, BUT applicable to main card only.
Miles conversion fee: $25 per conversion.

Pros: Great for shopping at supermarkets and department stores.
Cons: Great ONLY for shopping at supermarkets and department stores. Points might be allocated on every $5 spent, rounded down to next $5 (someone please confirm).

Variation on this is the Citibank Clear Platinum, instead of getting 1 mile for every $0.50 spend at supermarkets etc, you that earn at nightspots, cinemas, cafes, books & music stores and selected retail outlets. Plus you earn 1 mile for every $0.50 if you have ezi-link on direct debit, which therefore means you can earn that rate at cold storage/marketplace/giant supermarkets by tapping your ezilink card as well.

Big downside is lack of transparency around definition of nightspots and cafes (spend a night with colleagues at oosh bar, I put on my cc and came through at the paltry rate of 1 mile for $2.50, had I known that would have used my Premier Miles card)

aster May 27, 10 2:10 am

Just thought I'd add a recent experience with DBS Altitude AMEX:

When you decide to convert your earned DBS points to miles (you can do so over the phone via the automated system) the general policy is that it will take up to 3 weeks to process the transfer.

I tried it and in my case it took... one day. :) ^

Also, points on the card no longer expire every year. The policy has changed this month and now the points will never expire as long as the card is maintained. ^

SingaporeDon May 27, 10 10:41 am


Originally Posted by aster (Post 14030679)
Just thought I'd add a recent experience with DBS Altitude AMEX:

Also, points on the card no longer expire every year. The policy has changed this month and now the points will never expire as long as the card is maintained. ^

I see that they have not changed the expiry rule for DBS Treasure's Black Amex. NOW CHANGED, SO THAT DBS TREASURE'S BLACK AMEX CARD POINTS DO NOT EXPIRE AS LONG AS YOU KEEP THE CARD. THANK YOU DBS!!!That would have been real good news to park miles with Amex until you need then in Krisflyer, given Krisflyer's three year expiry rule. Hopefully since they changed the expiry rule for DBS Altitude AMEX, they might do the same for the Black AMEX soon!

aster May 27, 10 1:01 pm

Any reason you have the Black card? I mean the Altitude one is way better for accruing miles as they now give 4x DBS points (8 miles) for every S$5 spent above S$1,000.

I looked at all the cards when choosing mine and the black one never stood out as attractive compared to Altitude AMEX.

foreigner May 28, 10 7:26 pm


Originally Posted by uproared (Post 13936888)
For the Australian market, here's the card I use:

http://info.westpac.com.au/singapore...mBenefits.aspx



It's a great card. When the first started it they had a double points promo on for the AMEX for the first several months, so 3 points per $1 AUD.

3 'miles' per aud1 spent?

SingaporeDon May 29, 10 10:10 am


Originally Posted by aster (Post 14033553)
Any reason you have the Black card? I mean the Altitude one is way better for accruing miles as they now give 4x DBS points (8 miles) for every S$5 spent above S$1,000.

I looked at all the cards when choosing mine and the black one never stood out as attractive compared to Altitude AMEX.

I must confess I had missed the 4X DBS points (instead of 3x before) for spend in excess of $1k spend each month. I guess I should get the Altitude card. Although I do a lot of overseas spend, and I see that the Black Treasure's Amex gives me double miles for overseas spend (6X DBS points), but Altitude does not.

I guess for local spend Altitude makes more sense, for overseas spend, the Black Amex is better.

Still cant find a good visa/mastercard for SQ Krisflyer accrual. The Citibank one looks like the best bet. May be I will get that and the Altitude card after the summer holidays.

aster May 30, 10 3:27 am

DBS should allow you to have both Black and Altitude cards, which would be ideal for overseas vs local spend.

As for MC/Visa, it's Citibank all the way.

P.S. I'm surprised at how OCBC and UOB aren't offering a decent card for mileage accrual. Maybe one day...

aster Jun 17, 10 1:50 am

Bump.

Looks like DBS Altitude AMEX is still tops after they increased their 'miles to $$$ spent' ratio, with Citi's Platinum card also being quite useful for supermarket purchases.

RipperDoc Jun 17, 10 2:48 am

Although this is SQ forum, one other factor that should be considered is if the card points can be converted to any other miles. I am probably not alone being in several FFPs :D

PremierMiles can be converted to TG ROP, SQ KF, CX AM (however, at a lousy 0.4 ratio) and Delta. Amex Plat can be converted to, if I remember, TG ROP, SQ KF, BA, MH (Malaysian) and some chinese airlines.

Note that Amex Plat can be converted to hotel points, and the hotel points can in turn be converted to a lot more FFPs. Mostly probably at a poor overall ratio, but is could actually be possible to get a better ratio that way.

SingaporeDon Aug 2, 10 6:54 am


Originally Posted by aster (Post 13807949)

3. Citi PremierMiles Visa

Mileage accrual: 1 mile for every $0.83 spent (every $1 gives 1.2 miles). 10,000 miles extra for each annual membership renewal, plus another 10,000 miles if you spend more than $50,000 in any membership year.

Requirements: min. income $80,000.
Cost: First year free, then $180 for main, supplementary always free. Annual fee waiver available in exchange for 10,000 miles renewal bonus.
Miles conversion fee: $25 per conversion.

Pros: Bonus miles for annual card renewal and spend >$50,000.
Cons: Unsure of any annual fee waiver conditions.

It looks like they also included a better conversion rate if you spend more thatn $4,000 per month, a la DBS Altitudes Amex. Now you get 2 Citimiles for every $1 spend.

From the Citicards Website, August 2010

Up to 2 Citi Miles per $1 spend

2 Citi Miles for every $1 spend above $4,000 per month
1.2 Citi Miles per $1 spend for the first $4,000 spent every month
Up to 20,000 Citi Miles in annual bonus

aster Aug 6, 10 3:27 am

Thank you - the list (in the first post) has been updated to include the new info concerning the Citi PremierMiles Visa card and the $1 = 2 miles ratio for monthly spend >$4,000.

aster Aug 6, 10 3:56 am

Useful bit of info for those comparing the two best cards on the market: DBS Altitude AMEX & Citi PremierMiles Visa.

Putting aside the fact that DBS rounds down all spend to the nearest $5 increment whereas Citi rounds down to the nearest $1...

...both cards generate the same amount of miles with a monthly spend of $7,000.

If you spend up to $7,000 using your card in a given month, you are better off with DBS Altitude AMEX. If you spend over $7,000 per month then Citi PremierMiles Visa will be better.

aster Sep 27, 10 3:38 am

Special promo for the DBS Altitude Amex to make things even better:

======
Swipe to earn up to 2.6 miles per S$1 spend

Receive 10,000 bonus miles by simply charging a min. of S$10,000 from 17 Sep to 31 Dec 10
======

weero Sep 27, 10 10:34 am


Originally Posted by aster (Post 14804602)
Special promo for the DBS Altitude Amex to make things even bette..

Sweet!

I should get this Amex for Singa as well ... that'd be my 3rd Amex card :o ...

aster Sep 27, 10 12:33 pm


Originally Posted by weero (Post 14808058)
Sweet!

I should get this Amex for Singa as well ... that'd be my 3rd Amex card :o ...

I only use this one and they've made some pretty good changes to it recently, including special promos like this one.

The only other one that seemed worth getting was the Citibank one, but I just couldn't be bothered... ;) Maybe when I get back to SIN in November I'll send in the paperwork.

There was a moment when I thought I would dump DBS after they didn't award me the extra miles for booking SQ tickets during their previous promo - simply because the tickets were billed in another currency (ironically the bank makes even more $$$ due to this - so why would they complain?). Luckily one telephone call and about 2 weeks of waiting did the trick.

P.S. Any decent CCs in Oz to rack up miles there?

weero Sep 27, 10 8:52 pm


Originally Posted by aster (Post 14809614)
..P.S. Any decent CCs in Oz to rack up miles there?

I use Amex there as well. But with the changes in the last 5 years, the card lost a lot of attractiveness. Being severed from Qantas wasn't actually bad as their FFP is perfectly useless but the choices remaining are beyond disappointing.

If they let me transfer my point balance, I'd haul it over to Singa to burn it on SQ. While cryptic and not great, at least you can get awards on SQ.

Awesom Andy Sep 28, 10 7:20 pm


Originally Posted by weero (Post 14816754)
If they let me transfer my point balance, I'd haul it over to Singa to burn it on SQ. While cryptic and not great, at least you can get awards on SQ.

When I relocated from Australia to Singapore, I was able to transfer the reward points across. They had some mysterious transfer ratio, but it works out to be about even in my case. Note that both the AU and SG cards were Amex branded, so I don't know if this still applies if it's an Amex card offered from, say, a bank.


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