Tag Archives: citibank

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

Aaron


ANZ

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

Citibank

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?

Citibank increases minimum points/miles redemption to 10,000

Continuing with variations on a theme…

ALEXANDER TERRIBLE HORRIBLE.jpg

Citibank is revising the T&C of their rewards program effective 30 March 2017 to increase the minimum number of points that need to be transferred. The screen capture below says it all really.

I’ve got mixed feelings about Citibank. They don’t pool your points together (people have reported getting CSOs to combine ThankYou points from different cards but have been less successful getting ThankYou points combined with Premiermiles) which means you need to pay two redemption fees to redeem points from two different cards.

However, they made up for that a little bit with their flexibility. You could transfer a minimum of 500 miles/points to an airline frequent flyer program, making it a great rewards program to use if you just needed to top up your account a little bit but wanted to put the rest of your miles elsewhere (and didn’t mind paying a one time S$25 fee for that privilege)

Now that the minimum transfer amount is 10,000 miles, you lose that nimbleness. That said, Citibank does have some of the most useful partners of any Singapore bank. In addition to the usual Asia Miles and Krisflyer, you can transfer to Thai, Delta, MAS, BA, Etihad, EVA and of course, everyone’s favourite Indonesian airline Garuda.

With this change, the minimum cashout amounts by bank are as follows

  • DBS- 10,000 miles
  • UOB- 10,000 miles
  • Citibank- 10,000 miles
  • HSBC- 2,000 miles
  • ANZ- 2,000 (Asiamiles), 5,000 (Krisflyer)
  • OCBC- 10,000 miles
  • Maybank- 2,000 miles

I’m generally ambivalent about minimum transfer amounts and transfer fees because I’m in the habit of cashing out a large chunk at one go, which makes the fees more of a rounding error in the grand scheme of things. But it does seem that banks are moving towards less flexibility (see DBS’s switch from an unlimited transfer model to a per transfer model)

Earn 10X on all your payments with Citi Pay

If you’re looking for a way to max out your Citibank Rewards 10X cap in 2017 in the wake of the sad demise of AXS payments, you might be interested in getting Citi Pay.

Citi Pay is an Android app that lets you use your Citibank cards and NFC enabled phone to pay at merchants. It’s conceptually similar to Android Pay (and indeed one of the big complaints about is why Citibank doesn’t just go with Android and save everyone the need for another app).

The great news is that you earn 10X rewards points  (4 mpd) when you use your Citibank Rewards card (Visa or Mastercard) with Citi Pay.

Citi Pay can be used at any merchant with a tap and pay/contactless/ NFC terminal. It can be used overseas as well, so long as you have mobile data.

Surprisingly, the app has rather crappy reviews on the Google Play store.

It seems that most of the criticisms are that the app doesn’t work on a lot of people’s devices.

It worked absolutely fine on my Blackberry Priv running Android 6.0.1 though.

This promotion is available until 6 April 2017 and the T&C can be found here.  It’s a great opportunity to earn 10X at merchants that normally would not qualify for it.

Remember that your Citibank Rewards card allows you to earn 10X points on a maximum of $12,000 spending per year, after which you earn 1X (0.4 mpd).