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What credit cards should you use for Black Friday shopping?

Black Friday is here again as Americans try to  ease the pain of too much turkey and the vagaries of the electoral college system by spending their way into a debt-fueled oblivion!

I’m not going to list any great deals here because I’m sure you’re all more than capable of sniffing them out yourselves (plus there are tons of websites dedicated just to ferreting out the best of the best offers).

Instead, I’m going to do a refresher on what options you have when deciding which credit card to put your Black Friday shopping on.

can you believe there is no online resource image of the OCBC Titanium Rewards card that doesn’t have it angled funny like this? Come on guys.

The following cards all give a bonus (4 miles per $1 to be precise) on online spending.

You might want to have a look at this crowdsourced Google Docs form to see whether the specific merchant you have in mind qualifies as “online” (because, unbelievably, sometimes even merchants you swear must be online like Taobao don’t end up qualifying as online because they manually process transactions on their backend), but safe to say that your usual Amazon, Zalora etc e-commerce sites will be a sure bet for 10X.

HSBC Advance Card

Image result for hsbc advance

Ah, my one stop card for all things online. If you don’t mind going through the (15 minutes really) somewhat hasslesome process of getting a card, the HSBC Advance will be your best friend (until possibly the 31st of December this year when the 10X promotion is due to expire- it’s been renewed in the past so watch this space).

You’ll get 10X points (4 miles per $1) on all your online spending. No caps, no exceptions (well, except for EZ link top ups, but that’s not a typical Black Friday purchase).

For me personally my goal is to max out everything I can from the HSBC Advance until the end of the year, then re-evaluate my strategy based on what HSBC decides to do with the 10X program.

Citibank Rewards Card

Image result for citibank rewards

Assuming you haven’t already busted your $12,000 annual bonus limit (applied per card, mind you, so if you have both the Mastercard and the Visa version then your bonus is capped on $24,000 of spending) on bill payments, then this is another potential option for you.

Citibank was previously running a promotion that offered an amazing 8 miles per dollar with Amazon. At the time, I said that if you didn’t have any item in mind or simply wanted to hold out for Black Friday, you could buy a giftcard to front load your miles. Hope someone listened to that!

EDIT: I was just reminded that Citibank has extended the Amazon promotion till year end. 8 miles per $1 is hard to beat so if your Black Friday plans include Amazon then I can’t recommend any other card than this

Another great point about the Citibank Rewards card is that your points are valid for 5 years, so you can accumulate a good-sized haul before transferring.

OCBC Titanium Rewards

Image result for ocbc titanium rewards

OCBC recently relaunched their Titanium card as the Titanium Rewards card, offering 10X on online and offline shopping.

Unfortunately since this card is the newest of the lot we don’t have a lot of data points on how OCBC is interpreting the above categories

What we do know from the T&C is that you will earn 10X at the following merchants

  • MCC 5611: Men’s and Boys’ Clothing and Accessories Stores
  • MCC 5621: Women’s Ready to Wear Stores
  • MCC 5631: Women’s Accessory and Speciality Stores
  • MCC 5641: Children’s and Infants’ Wear Stores
  • MCC 5651: Family Clothing Stores
  • MCC 5661: Shoe Stores
  • MCC 5691: Men’s and Women’s Clothing Stores
  • MCC 5732: Electronics Stores
  • MCC 5699: Miscellaneous Apparel and Accessory Shops
  • MCC 5311: Department Stores

The maximum bonus points you can earn in a year is capped on $12,000 of spending (48,000 miles) and OCBC points are valid for 2 years.

DBS Woman’s World Card

Image result for dbs woman's world card
I find it funny that the default card image for the DBS Woman’s card has a man’s name on it

Despite its $2,000 monthly cap on 10X, the DBS Woman’s World Card is still a solid choice if you’re not intending to bust the bank on Black Friday.

DBS has an ongoing promotion for sign ups for the Woman’s Card where you can get $160 in cashback if you spend a minimum of $500 on the card within the first month from approval date. The $160 applies if you’re completely new to DBS cards. If you already own a DBS card you get $100. Still not a bad deal, I think, and no time to hit that $500 minimum spending like Black Friday.

What I dislike about the Woman’s World Card is that DBS Points are only valid for 1 year.

UOB Preferred Platinum Visa

Image result for uob preferred platinum visa

I’ve been historically cold towards the UOB PP Visa because it’s generally a lot stricter in its interpretation of what counts as online spending (at least, as compared to the DBS Woman’s World Card). But if you’re going down the usual e-commerce route of Amazon et al, I think it’s quite a safe call to use this card.

Now, the T&C of the UOB PP Visa say this-

The 10X UNI$ for online and Visa payWave transactions is capped at UNI$24,000 for both categories per calendar year. After which, 1X UNI$ will be awarded for every $5 spent.

I’ve read 2 interpretations of this- one school of thought says that the cap is really $13,300 because it is the 9X bonus points that are capped at 24,000 UNI$ a year. Others say that no, it’s similar to the Citibank Rewards card in that the cap on total points is 24,000 UNI$ meaning that you can spend a maximum of $12,000. Frankly. I don’t know what the right answer is, and I’ve never got close enough to the limit to find out.

UOB UNI$ are valid for 2 years.

Conclusion

The cards are ranked in no particular order of merit because the best card for you to use really depends on your current situation. If you’re already accumulating with DBS Altitude for your general spend you might gravitate towards the DBS Woman’s World Card. If you’re a UOB PRVI cardholder, you might go with the UOB Preferred Platinum Visa etc etc.

And finally- Black Friday.

Get it?

OCBC reboots Titanium card, gives you 4 miles per $1 on shopping

I’ve often lamented over the fact that OCBC is missing a convincing miles earning card. And no, I don’t consider the Voyage card to be in that category (read a few thousands words about that here, here and here). Well, perhaps not any longer.

OCBC has just relaunched its Titanium card. The previous version of the Titanium card was underwhelming to say the least, as I mentioned in the OCBC Omnibus entry.

Ahhhh, Titanium. The one card that summed up OCBC’s desperate miles gambit once upon a time. The card proudly trumpeted the ability to earn 1 mile per $1 of local spend and 2 miles per $1 of overseas spend. Then they put in small brackets, subject to minimum spend of $1,500 per month.

This was sad for 2 reasons. First, it was already possible to earn 40% more miles on local spend with other, better cards like the ANZ Travel Card and the PRVI Miles. Second, those cards didn’t have any minimum spend. You’d get 1.4 miles per $1 whether you spent $1 or $10,000. Till this day I can’t figure out why OCBC is so unwilling to bite the bullet and introduce a card that at least matches those offerings (off tangent: I remember once upon a long time ago when American Express proudly said that it was going to award 1 mile per $1 spent so that it was easier for consumers to remember. That despite the fact that rivals were offering 20-30% more. But hey! Easier to remember! That’s something!)

There really is no compelling reason to get this card. JetQuay access is an interesting pitch, but it’s limited to 70 redemptions per month until the end of September 2015 and only for 1 companion, so if you’re travelling as a family this is not an option. In any case the JetQuay “luxury” lounge is extremely underwhelming based on reports online (the only meal options are instant noodles)

The new and improved Titanium Rewards Card

The Titanium card has been rebranded as the Titanium Rewards card effective immediately.

There’s a lot of hue and cry on the website about this but the only thing you need to remember is $1=4 miles whenever you shop (offline or online).

The relevant categories are shown below-

EDIT: Adam on the comments has pointed out a big point of differentiation between the Citi Rewards card and the Titanium Rewards- Citi Rewards doesn’t give 10X on electronics shopping but Titanium does. Which means if you’re going to buy a big ticket electronics item like a desktop PC or a flatscreen TV, you would do a lot better by having a Titanium card (no other card offers bonus points for brick and motar electronics shopping to my knowledge). 

I suppose now it remains to be seen how strict the definition of “online shopping” is. The Citibank Rewards card, for example, has been a bit more liberal than you might expect in its interpretation of “online shopping”. Case in point: buying Starwood points from SPG.com qualifies as online shopping.

The other good thing is that you can get 4 miles per $1 whenever you pay using mobile payments like Android Pay, Apple Pay and Samsung Pay.

OCBC has actually provided a table to explain how the new Titanium Rewards card differs from the old one. I’ll show it here but basically all you need to know is: old card useless, new one kind of useful

The full T&C can be found here. The main points to note are

  • The maximum bonus you can earn per card anniversary year (not calendar year) is based on $12,000 of spending (or 48,000 miles)
  • You earn 10X points at the following merchants
    • MCC 5611: Men’s and Boys’ Clothing and Accessories Stores
    • MCC 5621: Women’s Ready to Wear Stores
    • MCC 5631: Women’s Accessory and Speciality Stores
    • MCC 5641: Children’s and Infants’ Wear Stores
    • MCC 5651: Family Clothing Stores
    • MCC 5661: Shoe Stores
    • MCC 5691: Men’s and Women’s Clothing Stores
    • MCC 5732: Electronics Stores
    • MCC 5699: Miscellaneous Apparel and Accessory Shops
    • MCC 5311: Department Stores
  • The bonus 9X points will be posted to your card account by the end of the next calendar month following the transaction
  • OCBC points last for 2 years before expiring (although once you transfer to Krisflyer you get another 3 years validity)

Conclusion

This is definitely a welcome move from OCBC and finally provides them with something of a competitive miles offerings. There are obvious overlaps with the Citibank Rewards card, but if you’re trying to hit the minimum spending requirements to earn bonus interest on your 360 account for example, it might be worth giving this card a look. Just remember that the more you spread out your points, the more you’ll need to pay in conversion fees. So unless you’re planning to do a whole lot of spending on shopping, this might not be the right option for you.

Another interesting thing that crossed my mind was whether this would be a Citibank type situation where you can’t pool your points and end up having to pay multiple conversion fees within one bank. For example, Citibank Rewards earns ThankYou points but the Citibank Premiermiles earns Premiermiles. The two cannot be converted together (by right- I know you can call in and ask for both to be done at once and the CSO might grant it to you as a “one time exception”) and therefore you end up paying 2 conversion fees which is really dumb. My suspicion is that it will be the same for Voyage + Titanium Rewards holders because the Titanium Rewards card earns OCBC$ but the Voyage earns Voyage miles (Assuming you wanted to convert your Voyage miles to Krisflyer miles which is a really dumb choice)

Credit card reboots can sometimes be gamechanging, and other times completely underwhelming. While I wouldn’t call offering 4 miles per $1 gamechanging (because it’s been done before), this is definitely a step in the right direction for OCBC.

A chat with the OCBC Voyage team

I think it’s no secret that I’m not the biggest fan of the OCBC Voyage card. I’ve written several articles on the topic and have invariably come to the same conclusion- that its proposition simply doesn’t make sense for aspiring travel hackers.

An introduction to the OCBC Voyage Card
In-depth analysis of the OCBC Voyage card
Revisiting the OCBC Voyage card

But just because it doesn’t work for me, does that make the card a complete write off? As much as the egomaniac in me would like to say “yes”, this wouldn’t be much of an article if we stopped here. Besides, based on its thread in HWZ and random observations at the payment counter, the card seems to be gaining traction just fine despite my misgivings.

My interest in the card was re-piqued (neologism ftw) recently when OCBC’s Corporate Communications team reached out to me. I suppose that’s understandable given if you google “OCBC Voyage Card” the second link is my rather unflattering take on the product.

They asked if I’d be interested to meet them for lunch and a chat. I thought this would be a great opportunity to speak to someone on the other side and we got it set up. I ended up meeting one person from the communications department and one from the Voyage product team. I’ll admit to feeling a bit paiseh meeting the latter, given that I’ve been pretty much saying his baby was ugly the whole time, but that didn’t get in the way of a great discussion. And although I still don’t think the Voyage card is right for me, at least the discussion helped me to see what type of consumer OCBC is targeting with this and how it might fit into the travel patterns of some people.

This article assumes you already understand the Voyage card. If not, do have a read of the above articles because that will help you contextualize this much better. Here’s a quick recap of the key points of the OCBC Voyage Card

OCBC Voyage
Minimum Income S$120,000 p.a
Local Earn Rate S$1= 1 VM
Overseas Earn Rate S$1= 2.3 VMs
Special Earn Rate S$1=2.3 VMs on local dining
Annual Fee S$488 (15,000 VMs) or S$3,210 (150,000 Krisflyer Miles)
Other features Free lounge access for cardholder + 1 guest to 70 selected airline lounges till 30/9/16, Limo transfer with S$5K monthly spend

The OCBC Voyage versus traditional miles cards

OCBC’s stance is that the Voyage card can hold its own against traditional miles cards because it offers customers something above and beyond a traditional miles card- the flexibility and convenience of being able to redeem Voyage Miles for any airline and any seat.

I agree that’s a great feature. My question is whether or not that feature in and of itself is sufficient to compensate for what I see to be the two main drawbacks of the Voyage card

  1. A higher number of miles required to redeem premium cabin tickets when compared to SQ saver rates
  2. A miles earning rate below that of competitor cards

With regards to the first point, yes, saver availability on certain SQ routes can be like a rare pokemon, so from one point of view it’s unfairly penalizing to the Voyage to compare it against saver rates. That said, however, if you’ve got the flexibility in travel dates and the patience to bug SQ repeatedly, you can come up on top by sticking to a traditional miles card and Krisflyer redemptions.

With regards to the second, the Voyage card earns 1 VM per $1 on general spending, 2.3 VMs per $1 on dining and overseas spending. While the bonus on dining and overseas spend are good to have, there are other cards out there which do as well if not better.

The UOB Visa Signature gives you 4 miles per overseas $1 with a minimum of $1,000 overseas spend in a statement period, the UOB PRVI Miles gives 2.4 miles per overseas $1 without restriction.

Dining wise, both the UOB PPA and the HSBC Advance Visa give you 4 miles per $1 on dining with no cap. In terms of general spending, the Citibank Premiermiles, UOB PRVI, DBS Altitude, ANZ Travel, heck, even the relaunched Krisflyer cobranded portfolio will all outearn the Voyage card.

But to say “outearn” is to say that a Krisflyer mile is the same as a Voyage mile. And that’s not strictly speaking true.

Doing a like to like comparison

The fundamental difficulty in comparing the Voyage card to a traditional miles earning card is that they earn different currencies.

DBS Rewards Redemption Portal
UOB Rewards Redemption Portal

 Traditional miles earning cards earn points with a bank, which can be converted to Krisflyer miles. For example, the DBS Altitude earns DBS Points, the UOB PRVI Miles earns UOB UNI$, the Citibank Premiermiles earns Premiermiles, all of which are convertible to Krisflyer/Asia miles. These miles are then used to redeem for award seats on a specific airline based on when seats are available. 

The Voyage card earns Voyage Miles (VMs), which can be redeemed against the cost of a revenue ticket on any airline, any seat and any date (assuming you have sufficient VMs)

This is how the two currencies compare

Voyage Miles Krisflyer Miles
Value Varies. ~1-3 cents each Economy: 2-3 cents Business: 4-5 cents First: 6-7 cents (Assumes saver availability)
Can miles be used to pay ticket surcharges? Yes No- these are paid separately in cash
Airlines Any airline SQ + 28 Star Alliance carriers + Virgin Atlantic + Virgin America + Virgin Australia + Vistara
Ticket Flexibility Depends on the fare class purchased Tickets fully refundable with US$15-$30 fee (depending on tier of elite membership), US$75 fee if within 24 hours of flight
Mileage Accrual Depends on the fare class purchased, but generally yes. Could be anywhere from 10%-100%+ accrual (some business class tickets accrue at 150%, remember) Not possible
Other features Can be converted to Krisflyer miles at 1:1 ratio N/A

Two important observations arise from this:

Conversion

It should be clear that although VMs can be converted to Krisflyer miles at a 1:1 ratio, to do so would be silly.  It does not make sense to use the OCBC Voyage card to earn Krisflyer miles, because if you want to earn Krisflyer miles, there are traditional miles cards that can earn better rates, as mentioned previously.

Valuation

When I first wrote about the Voyage card my conclusion was that VMs were valued internally at about 3 cents each. That was based on this chart released by Voyage as part of their marketing materials when the card launched.

voyage
the chart that OCBC published when the Voyage was first released, from where we get the approximate 3 cents per VM calculation

After getting several different quotes from the Voyage Concierge, I’m not sure that’s the case anymore. 

Based on the routings I was provided with and my subsequent back-checking of the respective commercial prices, I can only conclude that the value of a VM can range between 1-3 cents, but I cannot explain how it is determined exactly.

Presumably the valuation fluctuates every day based on some internal algorithm. At a high level, I can say that I noticed as I moved up cabin classes the value per mile increased, but I never saw it go above 4 cents per VM.

Route (Carrier/Class) Revenue Fare + Taxes VMs + Taxes Cents per VM
SIN-SFO (SQ/F) S$14,850 + S$828 402,500 + S$826 3.7
SIN-SFO (SQ/J) S$5,960 + S$773 217,200 + S$771 2.7
SIN-HKG (SQ/F) S$4,408 + S$83 123,200 + S$83 3.6
SIN-HKG (UA/F) S$5,434 + S$83 210,700 + S$83 2.6
SIN-HKG (TR/Y) S$190 + S$95 13,300 + S$97 1.4
SIN-HKG (CX/Y) S$495 +S$79 46,700 + S$71 1.1
SIN-HKG (UA/J) S$1,038 + S$61 85,000 + S$83 1.2

On the other hand, the value of a Krisflyer mile can be anywhere from 2 cents to 7 cents, depending on whether you redeem it for economy, business or first and whether you get saver or standard availability.

And here’s where it gets even more complicated.

The above analysis doesn’t take into account the whole picture. You need to somehow place a value on the fact that

  • VMs can be redeemed for revenue ticket space rather than restricted award space
  • VMs can be redeemed on any airline

That means that to do an apples to apples comparison, if you want to give a Krisflyer mile a potential value of 7 cents per mile, you also need to boost the value of a VM to take into account these features.

And therein lies the rub-do you value the flexibility and certainty of being able to redeem your miles for any airline, seat and date? Your miles can certainly go further on SQ, but very often on certain routes you’ll be stuck with a waitlist, and given SQ’s erratic behavior in clearing waitlists, you may not be able to confirm the rest of your travel plans in advance. But on the other hand, if the premium cabin experience is what you’re after (and it should be),  are you willing to have to incur much higher spending thresholds to redeem through Voyage?

The above factors make it very difficult to do a straight out comparison of the Voyage and traditional miles cards.

Let’s look at an example of how the Voyage card can work for someone (and how it might not)

Who should use the Voyage card?

Consider John. John’s main goal is to pay as little as possible for air tickets. He wants to stretch his miles as much as he can and is ok with flying economy on any airline, so long as the price is right.

John wants to go to Hong Kong, in economy.  He calls up the Voyage concierge. The concierge gives him the following options

  • Via TigerAir for 13,300 VMs + $96
  • Via United for 24,600 VMs + $70.80
  • Via Cathay for 22,900 VMs + $79.70

If John were were to redeem with SQ  he would have to pay 25,500 Krisflyer miles (after the online 15% discount) and S$62.90 in taxes.

John doesn’t like the “hassle” of using multiple cards (you might be able to tell that I don’t really like John already). He hears from a reliable source that the UOB PRVI has the best general earning rates in Singapore (1.4 miles per $1 local, 2.4 miles per $1 overseas). So if he were to use an alternative, he’d use this and only this card.

Assuming a mix of 40% dining spend, 20% online spend, 10% overseas spend and 30% general spend, he would earn an average of 1.65 VMs per S$1* with the Voyage versus an average of 1.5 miles per S$1* with the UOB PRVI.

*2.3 VMs per $1 for overseas and dining spending with Voyage, 1 VM per $1 for general spending. 2.4 miles per $1 for overseas spending with PRVI, 1.4 miles per $1 for general spending

In this one-card only situation, John comes out on top in two ways- he earns more miles per $1, and he requires fewer miles to redeem his tickets. To redeem this flight to Hong Kong, John would need

  • S$8,060 spending on the OCBC Voyage (assuming the Tiger Air option is chosen. Remember, John just wants to get there)
  • S$17,000 spending with traditional miles cards
Image result for tiger air cabin
hey, it gets you there.

John thinks: Wow! I not only need fewer miles to redeem my tickets and less spending, I also have more choices of flight timings and airlines. Plus I don’t pay any conversion fees and I can get instant confirmation.

John is very happy.


Now consider Cindy. Cindy’s dream is to try First Class, something she will never be able to afford out of pocket.

Cindy wants to go to San Francisco.  She calls up the Voyage concierge. The concierge gives her the following options

  • Via Etihad for 252,700 VMs + S$725
  • Via ANA for 350,900 VMs + S$755
  • Via Singapore Airlines for 402,500 VMs + S$826
  • Via United Airlines for 451,100 + S$161
  • Via Cathay for 488,200 VMs + S$178

But, had Cindy gone with a traditional miles card she would have the following options

  • 182,750 Krisflyer miles and S$800 to get a round-trip SQ First Class ticket to San Francisco (assumes saver availability, otherwise 357,000 miles are needed)
  • 225,000 Krisflyer miles and S$104 to fly the same route in ANA first class through a Krisflyer partner award redemption
  • Or she can turn her DBS Points/UOB UNI$ etc into Asiamiles at the same rate as Krisflyer, and spend 205,000 Asiamiles and S$150 to fly the same route in Cathay first class.
L1010005
ANA First Class. Gets you there too

OLYMPUS DIGITAL CAMERA

Now, imagine Cindy is not averse to using multiple cards and plans to maximise the number of miles she can earn by using the optimal card in each situation (I like Cindy). So with her 40% dining, 20% online, 10% overseas and 30% general spending, she could generate 3.22 miles per $1* on average.

*4 miles per $1 on dining, online and overseas respectively with HSBC Advance/UOB PPA, DBS Woman’s/HSBC Advance, UOB Visa Signature, 1.4 miles on general spending with UOB PRVI

In order to fly First Class, Cindy would have to spend

  • ~S$153,150 with the OCBC Voyage (assuming she goes with the Etihad option, keeping in mind the 1.65 VMs per $1 we calculated with John)
  • ~S$56,750 by using a mixture of traditional miles cards

Cindy thinks: So if I use the Voyage card, I’ll have to spend more than 2.5X the amount I’d have to spend with traditional miles cards to get my First Class ticket.

Cindy is sian.

Some caveats to the above analysis. First, there is a cash outflow involved with using a traditional miles card (reasonable for Cathay and SQ partner awards, ridiculous for SQ), but the huge difference in the number of miles required (and the earn rate of Voyage versus traditional miles cards) is the counterbalance to that.

Second, you can argue that instant confirmation may not be available when you go with traditional airline awards programs. That’s certainly not ideal, but in my mind that’s not worth paying double the miles.

Third, you can talk about how the ticket purchased through VMs will earn some miles because they’re revenue tickets. That will bring the calculations a little bit closer, but certainly not enough to tip the balance.

You can see here how John may value the Voyage, but Cindy will not. John and Cindy are two fundamentally different types of consumers and that brings me to my next point

Value vs Access

Conceptually speaking, there are two main benefits that travel hacking gives:

The first is value. When people build up miles and points, they get to save money by not spending as much as they would have to on airline tickets and hotels. That’s what John is going for in the example above.

you can normally afford this, but would you rather save some money?

The second is access. When people build up miles and points, they get access to experiences they normally would not have been able to/willing to pay for.  I would never pay to fly SQ Suites, but I am able to fly SQ Suites because I have miles. I would never shell out $1K+ per night at the Conrad Koh Samui, but I am able to experience the Conrad Koh Samui because I have points. That’s what Cindy is going for.

suites1
you probably can’t afford this (and if you can, I’d like to be your friend), but you can gain access to it through your miles

For me, access always trumps value. Which is why I generally advocate not redeeming miles for economy class travel, because economy class is something most of us could normally afford anyway.

Cindy is making an access play; John is going for value.

The Upshot

So here’s my stance.

The ideal person for a Voyage card is someone who travels mainly to regional destinations that are served both by budget and full service carriers (the presence of budget competition nudges full service to keep their fares down), like Taiwan, Hong Kong, Bangkok, Western Australia, China, Japan, Indonesia etc. This person doesn’t care about premium cabin travel but does care about paying as little out of pocket as possible. This person also prefers just using one card for all spending for the sake of convenience.

But if you’re someone who wants to fly premium cabins, who doesn’t mind using multiple cards and is willing to plan a vacation around award space availability, then you’d be much happier off using a combination of traditional miles cards. And that’s as fair a conclusion as I can come to.

I don’t for a minute doubt that OCBC genuinely believes that its product has a serious value proposition. I agree it does. But their target audience is not people who do what we do. The Voyage card is for the convenience seeking individual, who likes having a bespoke concierge service who can prep itineraries for them, who wants to be able to jet off as and when without worrying about the vagaries of award space.

I realise there are other aspects we haven’t touched at all in our analysis, namely qualitative ones. OCBC Voyage has a full featured concierge that helps you secure hard to book reservations/concert tickets/walk your dog/buy flowers for your spouse or mistress/whack people you don’t like and make it look like an industrial accident etc. I’ve not tried this service so I can’t speak to whether or not it is better than the many similar services out there. And I suppose different people will value this benefit differently, depending on how much time they have.

So TL;DR, look at your own travel patterns, preferences and where you stand on the access vs value question and decide whether you want a Voyage card based on that.

[Thanks again to OCBC for the help provided in writing this article. This is not a sponsored piece and The Milelion did not receive any compensation for writing it. An advance copy was sent to OCBC before publishing as a courtesy to check for the accuracy of calculations and Voyage quotations. However all opinions remain those of The Milelion]

cover photo by baileycheng