Tag Archives: anz

Support The Milelion when you sign up for credit cards

The Milelion is free and will always be.

Different websites have different ways of staying free. Some websites have annoying autoplay video ads. Others have adblock blockers that obnoxiously take up your whole screen and demand you unblock them. Still others have a big popunder asking them to subscribe to a spammy newsletter.

The Milelion doesn’t go for any of that. All ads are non-obtrusive and on the sidebar. Block them if they annoy you (but if they don’t, consider whitelisting). The newsletter is yours to subscribe to via the small box on the left. You won’t get a begging signup box blocking your screen. And autoplay video ads? Come the revolution, any website with those will be first against the wall.

But ultimately, The Milelion needs to be sustainable. And I’d prefer to do this in the least intrusive way possible. That’s why we’re going to start putting affiliate links in some articles for ANZ, Citibank and Standard Chartered credit cards. HSBC will follow soon. UOB and DBS, unfortunately, do not partner with the affiliate network I’m using but we might be able to get them through a 3rd party finance site.

How these links work is simple- if you read about a credit card that sounds like something you might like, sign up for it through our link. We’ll earn a referral fee. Signing up this way still makes you eligible for whatever sign up bonus/gifts the banks offer.

For example, if you click on the ANZ credit card link  to sign up for an ANZ Travel Card, you’ll see this

And if you sign up for the Travel Visa Signature Card, you’ll get the 25,000 bonus miles and 28″ luggage, subject to meeting the regular T&C.

Remember- I don’t see any of this money. All costs incurred in running The Milelion (social and otherwise) are borne by me. All revenues earned by the site until 31 July go to support World Vision.

We’re a bit lower than I was expecting at this time in the campaign, but hopefully with the additional revenue from affiliate sign ups we’ll meet the $5K goal.

Final point: I understand people might be concerned about how this affects content objectivity. That’s fair enough. The last thing I want is this becoming the kind of website that can say with a straight face that the Krisflyer Ascend card is a good option(I swear, they updated the headline to add “Or the worst?” since I last read it).

Let me put it this way- over the past 2 years The Milelion has been in existence I’ve made it clear I’d rather die than recommend a crappy card to someone. And although there are some great affiliate offers for crappy cards, including a particular mall-related AMEX that I have described, rather charitably, as possibly the worst card in Singapore, I’m not going to put those links here. I trust you have the right resources here to know which cards you should and shouldn’t be applying for, if you want to play the miles game.

I’m going to put some links below, but I will progressively populate older articles (like my good friend the Milelion Credit Card Omnibus) with these as well.

Thanks to everyone for your support



Travel Visa Signature

UPDATE: I’d advise against applying for this card given the recent cuts to benefits. No more 10k miles when paying the annual fee. 

Despite the recent devaluation of the lounge access benefit, the ANZ Travel Visa Signature remains a solid card to have assuming you travel frequently to Australia/NZ. You can get up to 25,000 miles if you’re willing to pay the first year annual fee and spend $3,000 in the first month.

Get more air miles with every dollar


If you’re a new Citibank cardholder, you can get $120 cashback when you sign up here. I wrote a short article on how this can be a potential avenue to MS, if you’re into that sort of thing…

Citibank Rewards Card

Apply here

The old stalwart of the rewards card portfolio, the Citibank Rewards may have lost some utility ever since bill payment via AXS was taken away, but regular promotions like the one with Amazon make it a solid card to have in my book.

Citibank Premiermiles Visa

Apply here

I don’t love Citibank’s policy of having separate redemption fees for ThankYou points and Premiermiles, but I do love that they have the most useful transfer partners of any SG based bank.

For the full runthrough you can refer to the Citibank entry in the credit card omnibus.

Standard Chartered

Standard Chartered Visa Infinite

Image result for standard chartered visa infinite

Apply here

The SC Visa Infinite (S$30,000 income requirement (!) if you’re a priority/private banking customer, S$150,000 if not) has an a choice of 2 welcome gifts in exchange for a S$588.50 annual fee

  1. 35,000 miles
  2. 25,000 miles plus S$100 Uber Credit

If you opt for (1), you are essentially buying miles at 1.68 cents each. This is one of the lowest rates I’ve ever seen for sign up/renewal bonuses. There are some decent card related bonuses too, and if you’re the sort who puts at least S$2K spend on your card each month you can earn 3 mpd on overseas spending.

We’ll add more links once HSBC comes through, hopefully there’ll be another extension to the 10X points on the Advance Card?

ANZ (sort of) brings back limo service on its Travel card

The future of ANZ’s retail banking operations in Singapore is still up in the air after their recent sale to DBS. Currently, it is still unclear what DBS will do. Will they leave everything intact and operate ANZ as a separate unit? Will they absorb ANZ entirely? And what does that mean for ANZ’s line of credit cards?

I’ll let the fortune tellers sort that one out, but in the meantime, ANZ has taken the step of “re-enhancing” its Travel Visa Signature card by adding back limo services.

ANZ’s limo service has undergone a series of enhancements in recent memory. When the card was first launched, you needed to spend $1,500 within 30 days of travel to book a limo. Then sometime in 2015 the amount was increased to $2,500. And then in June 2016 that benefit was enhanced away altogether, in order to serve you better. Instead, you could now redeem a limo at the following attractive rates!

  • One way-3,400 Travel$
  • Return- 6,400 Travel$

(in other words, your spending used to earn you both miles and limo before, but now ANZ was asking you to pick between one or the other- you could keep the miles, or you could use them to redeem a limo pickup but not both)

Well it seems that in the spirit of Christmas (and probably a lot of angry calls) ANZ has had a change of heart because I got this message from them yesterday

For whatever reason, ANZ has decided to make this a limited time offer only. I suspect they want to see how many people are willing to hit the minimum spend before deciding whether to make this a permanent thing.

Here’s how you qualify for airport limo service-

The main difference is you need to spend $7,000 per quarter to get limo service now, or $2,333 per month. This is as opposed to $2,500 in a 30 day period before travel under the old system.

The threshold is definitely a lot higher now, even if the equivalent per month spend ($2,333) is lower than the old figure ($2,500). You’re basically committing to spend $7,000 with ANZ. If this is all non-category, non-bonused spend, then the ANZ Travel Visa Signature is probably as good as they come, as its 1.4 miles per $1 earning rate is on par with the UOB PRVI Miles card. But given the wide variety of bonus categories that can earn 4 mpd, it’s highly probable that you’d need to sacrifice some of that bonus in order to hit a $7,000 figure within a quarter with ANZ.

The limo isn’t the only thing they give you when you hit the threshold though, you also get 2 lounge passes. You’ll also remember that ANZ enhanced away its unlimited lounge access (which was one of the strongest reasons for getting this card) which didn’t require any spend at all and replaced it with Dragonpass instead. In order to get lounge access, you need to spend $10,000 per quarter to get 2 lounge passes, which is just ridiculous considering the fact that other cards give you a priority pass for free.

So is this move enough to save the ANZ Travel Visa Signature card? Hardly.  I personally can’t recommend this card (unless you think you’ll be spending a lot in Australia/NZ), but if for whatever reason you still feel inclined to apply you might be keen to know they have a sign up bonus that gives up to 25,000 miles when you spend $3,000 in the first month and pay the first year annual fee.

Get more air miles with every dollar


Remember that you have options when it comes to picking a credit card with limo service. Why not have a read of this article for more information?

What does ANZ’s exit from retail banking mean for its credit cards?

It just came out in the news today that DBS is intending to acquire ANZ’s wealth and retail banking assets in Singapore, Hong Kong, China, Taiwan and Indonesia. ANZ intends to focus more on institutional banking within Asia going forward.

If ANZ does exit the retail banking space, it does raise the question as to what happens to its consumer credit cards.

All along I’ve taken the view that the only ANZ card worth having (from a miles earning point of view) is the ANZ Visa Signature Travel Card.

Image result for anz travel card

Although the Travel Card still offers one of the best local miles earning rates (1.4 miles per $1), it suffers from a poor overseas earning rate (you don’t get any bonus points unless you spend in Australia/NZ)

Furthermore, the Travel Card also used to have one of the most generous lounge access policies, but that was gutted recently when they stopped partnering with Veloce and switched to DragonPass. You now need to spend $10,000 per calendar quarter just to get 2 DragonPass lounge vouchers. That is ridiculously stingy.

Even longer ago the Travel Card used to have complimentary airport limo with a minimum $1,500 spend (on anything) within 30 days of flying. That was also killed at some point in the past.

So even if the ANZ Travel Card does go away I don’t think it will be a particularly big loss to the miles community in Singapore. The UOB PRVI Miles is an entirely better proposition than the Travel Card in my opinion.

I currently have about 12,000 miles in my ANZ Travel Card and may be forced to cash out soon. For a brief moment I thought DBS might fold the Travel Card into its Altitude and offer to convert Travel$ into DBS Points but the more I think about that the less likely it sounds- it would be an IT nightmare and DBS doesn’t have much incentive to do so.

ANZ has a minimum conversion block of 5,000 miles, so I need to earn an additional 3,000 if I don’t want to waste 2,000.  So my goal will be to earn up to the next block asap and then transfer out.

The little twist in the tale here is that ANZ has just started offering a 25,000 mile sign up bonus, way superior to the measly 2,000 mile bonus they used to offer.

Get more air miles with every dollar

Granted, the new offer requires you to spend $3,000 and pay the first year annual fee, but all in all the offer is still better than the old one which required $500 spending. The argument goes- why would they be going on a customer acquisition spree if they’re closing up shop?

I don’t know what the answer is. Maybe they did it to get a few more customers onto the books and boost their sale value. Maybe the credit card team really didn’t know about the impending sale. Maybe DBS will retain the ANZ brand and continue to run its operations separately, in which case this whole article is irrelevant.

What I do know is that if you own an ANZ Travel card, you should take a quick glance at what your Travel$ balance stands at and plan accordingly, because I think the days of ANZ cards might be numbered.