The Milelion easy reference guide to credit cards

Hello everyone- I’ve written more than a few guides on how to maximise your credit card sign up bonuses and earnings, which I hope have been very useful

Some readers have asked me for a quick 1 picture summary of those articles. I’m happy to oblige, but I caution that without the full context you may miss out on some important details and caveats. Nonetheless, here goes…

credit card bonuses
Maximising credit card sign up bonuses

Here’s the guide for card spending- Protip: why not save this on your phone so that next time when you’re out you have a quick reference guide? Just right click on the photo and save it

milelion card guide v2

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2 thoughts on “The Milelion easy reference guide to credit cards”

  1. Hi Aaron,

    Listen, first of all, thank you SO much for all your posts and information. You are a genius and have really helped me piece together the last bits of the mileage puzzle. I have been getting more and more wise in this field, to the point of at least still becoming star alliance gold members for me and wife with Aegean last year before they changed their program. I am planning on maintaining this as I only need 24k miles a year or 12k with 4 Aegean/ Olympus flight segments.

    I got the DBS Altitude Visa when I arrived in the hope, that this wasn’t the worst option….well, low and behold, we have already gather 50k miles which, I have now transferred to Kris Flyer (I hope they do not expire here otherwise, that was a bit hasty). I now also got the Altitude AMEX, AMEX reward and Kris Flyer AMEX upon reading your posts (I am also most likely still getting the ANZ but I am not sure, I will find much use of the UOB cards (Oh, my wife also has the high earning Women’s card).

    So,t hat’s a little about me and if ever, I can help you out, write some posts or anything else, let me know as I’d love to help you too.

    I have a few questions for you:
    1. Do you ALWAYS cancel all cards after the initial year? If not, which of the ones above would you keep and hence, pay the yearly fee? (I am a DBS bank customer)
    2. Do banks tell you when the year is up or do you have to keep track of this?
    3. Can you cancel over the phone/ internet or does this have to be done in person/ via mail?
    4. Could you maybe write a post about the process of cancelling (might be worth it to more people than just me)?

    Great. Once again, you rock and thanks a million!



    1. Hey man! Thanks so much for reading. I’m glad you find this useful. Good that you got in on Aegean before they closed that loophole- I don’t think we’ll ever see as generous a program as that ever again (long time ago, bmi was part of star alliance and they’d often allow you to earn miles on redemption tickets due to some flaw in their IT system. too bad I was still in uni back then and wasn’t travelling much)

      The DBS Altitude visa is a good option- were you able to take advantage of the spend 800 get 12K miles? Don’t worry about expiry- you have 3 years to use the miles once you transfer to KF, which is plenty of time. Regarding the ANZ Travel card, I’m of the opinion it’s not that useful any more now that you can get 1.4 miles with the UOB PRVI mastercard/visa as well, and the ANZ Travel card has no category bonuses except for spending in Aus/NZ (2.8 miles per $1).

      To answer your questions

      1. I cancel when they charge me annual fees. Sometimes these get waived automatically, but if not I call the bank and ask for a waiver. I’m fortunate enough to be able to use my personal card for business, so meeting the minimum spend requirement usually is’t an issue for me. What’s nice about some cards is that they offer you a retention bonus- eg DBS Altitude will give you 10k miles when you pay the $192 annual fee. That’s like buying miles for 2 cents each, which I feel is an ok deal, given that you can redeem them for business class tickets at 4-5 cents per mile.
      2. Banks won’t tell you. You have to monitor your statement
      3. I think you need to call up to cancel the cards. DBS might let you do it online but I can’t remember. You can definitely do it over the phone
      4. Sure, I’m doing something about that, should have it in the next few days.

      Thanks so much for reading and tell your friends!

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