Credit card limo benefits compared

Airport transfers used to be a very common perk available on mass market miles cards like the DBS Altitude and Citibank Premiermiles. Heck, even lesser cards like the CIMB Platinum and the OCBC Titanium had it.

Unfortunately, as time went on these benefits were enhanced away and now there are only a limited selection of cards with complimentary airport transfers.

Here are three important questions to ask when selecting a card with a limo benefit and a summary of how the different benefits stack up

Key Questions

  • How much do I need to spend to qualify for the benefit?
    • Every bank requires you to spend a minimum amount before awarding a complimentary transfer. Some banks require the spending be entirely in foreign currency, others allow for local currency
  • How many times can I use the benefit per year?
    • Even if you hit the spending threshold, you may not be eligible for transfer if you’ve maxed out your cap for the period. Some cards cap by year, others by quarter, others by both
  • Does the card offer airport pickup or dropoff?
    • Most cards offer dropoff only because it entails less “dead” time- the driver waits 10-15 minutes and if you’re a no-show that’s it. Airport pickup, on the other hand, needs a bigger buffer to account for delays, immigration and baggage collection and is a more expensive service to provide

Comparison of Benefits

I have compiled the various limo benefits being offered by different cards here. I am aware that some cards may allow you to redeem your points for airport transfer, but have not included those here because they aren’t “free”.

CardMin Spend RequirementMax UsesAirport Drop/Pickup
UOB PRVI Miles (AMEX only)S$1K overseas spend per quarter (excludes online transactions)2 per quarter, 8 per yearDrop only
Citibank PrestigeS$1.5K overseas spend in a quarter4 per quarter, 8 per yearDrop or pickup
HSBC Visa InfiniteS$2K spend in a month (first two per year are free)24 per year (includes the two free trips)Drop only
Maybank Visa InfiniteS$3K spend in a month (no min spend if >$60K spending in prev. year)2 per S$3K spend, 6 per yearDrop or pickup
OCBC VoyageS$3K spend in a month2 per monthDrop or pickup

Note: Where is the SCB VI, you might ask? The SCB VI doesn’t offer a limo benefit. Instead, it gives you a choice of taking $100 Uber credits + 25K miles instead of 35K miles when you sign up and pay the first year’s S$588.50 annual fee. Regardless of which option you take, you get a 10% rebate on all Uber rides worldwide capped at S$100 per quarter.