Credit Cards

The Milelion’s 2020 Credit Card Strategy

How are you going to optimize your miles collection in 2020? Here's my strategy.

Some people say there’s no point in laying out a detailed credit card strategy, because all it takes is a new promotion, a new launch, or a T&C tweak to turn everything on its head. 

That’s true, I suppose, but the same could be said about investment planning, or any other kind of planning for that matter. The fact that things can change doesn’t mean there’s no value in laying out a game plan and adapting as you go along.

So as 2020 kicks off, why not pause for a minute and formulate your card strategy for the year ahead: which combination of cards is going to rake in the most miles?

The overall objective

With the right credit cards, you can earn up to 4 mpd on certain transactions. Your job is to make this the norm, rather than the exception. In other words, the overall objective of your card strategy is: 

Maximize 4 mpd opportunities

It’s not rocket science. The very reason why we don’t use one card for everything is because we don’t want to pass up 4 mpd opportunities. If you’re happily swiping your Citi PremierMiles Visa everywhere, you’re missing out on up to 2.8 miles for every dollar spent. Your path to a free flight will be significantly slower than someone who optimizes. 

Start by categorizing your spending

Think of all your spending as either specialized, or general. Specialized spending refers to categories that you can earn 4 mpd on. General spending is the catchall term for everything else, where the best you can do is 1.2-1.6 mpd. 

Every time you use a general spending card for a specialized spending category, you’re leaving money on the table; the bank would have awarded you more miles, but you didn’t take it. 

So the first step is to think about the categories you spend the most on. For the majority of people, the following list should be pretty exhaustive:

  1. Online
  2. Contactless
  3. Foreign currency
  4. Dining
  5. Petrol
  6. Offline shopping
  7. Transport
  8. Bill payments

Transactions won’t always fit nicely into one category, but that isn’t really a concern. If I’m dining overseas, I can use either a foreign currency card, or a dining card. If I’m buying Europe train tickets online, I can either use a foreign currency card, or an online spending card.  If I’m dining in Singapore at a place that takes Paywave, I can either use a contactless spending card or a dining card. 

The trick to optimization is to know how to manage your caps, because, with some very limited exceptions, most 4 mpd opportunities are capped. The general rule is to always use the most restrictive cap first. I’m more likely to spend online than to spend in foreign currency, so I utilize the foreign currency cap first when the opportunity arises. Likewise, I utilize my dining cap before my contactless cap, because the latter is more flexible. 

Online: DBS Woman’s World Mastercard or Citi Rewards Visa

  Earn Rate Cap Remarks
DBS Woman’s World Card
Apply here
4.0 mpd S$2,000 per calendar month  

Citi Rewards Visa
Apply here
4.0 mpd S$1,000 per statement month Excludes travel

Think of how many online transactions you do in a typical month: Grab/gojek rides, Lazada/RedMart/Qoo10, movie tickets, Deliveroo/foodpanda, entertainment subscriptions, air tickets…it’s a very broad category, and definitely something you need to have a specialized card for.

Although 2019 saw the debut of pretenders like the Citi Lazada Card and the KrisFlyer UOB Credit Card, both of which offer bonuses on online spending, the DBS Woman’s World Card (DBS WWMC) and Citi Rewards Visa remain my picks for another year running.

The DBS WWMC (which doesn’t require you to have lady bits nor earn S$80K a year) offers 4 mpd on all online spending, capped at S$2,000 per calendar month.

Once that’s exhausted, you can use the Citi Rewards Visa, which also offers 4 mpd on all online spending (except travel-related spending like airfares, lodging and car rentals), capped at S$1,000 per statement month. Incidentally, the Citi Rewards Visa also earns 4 mpd (for now) on something that rhymes with crabhey bopups.

To better optimize my caps, I’m using the OCBC 90N on Netflix, Spotify, Singapore Airlines, Scoot, SilkAir, AirAsia, and Jetstar tickets until 29 Feb 2020.

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This gives me 4 mpd with no cap, allowing me to conserve the 4 mpd cap on the DBS WWMC and Citi Rewards Visa.

Contactless: UOB Preferred Platinum Visa or UOB Visa Signature

  Earn Rate Cap Remarks
UOB Preferred Platinum Visa
Apply here
4.0 mpd S$1,110 per calendar month Except at places where SMART$ are awarded

UOB Visa Signature
Apply here
4.0 mpd S$2,000 per statement month Min S$1,000 spending on contactless + petrol 

Just like online spending, contactless is a very broad category. Contactless terminals have sprung up almost everywhere, from supermarkets to doctor’s offices, from convenience stores to car repair shops. From a miles collector’s point of view, this is fantastic; it means even a trip to the dentist is a chance to earn 4 mpd. 

To do that, you’ll need a UOB Preferred Platinum Visa. This earns you 4 mpd on the first S$1,110 of contactless spending per calendar month (technically S$1,000, but UOB’s systems have a funny way of awarding the bonus), except at places where SMART$ are awarded. It pays to familiarize yourself with SMART$ merchants; some of the bigger ones are Cold Storage, Giant, Jasons, Market Place, BreadTalk, Cathay Cineplexes, Shell, and Guardian.

There’s no need to tap the physical UOB PPV card; using it via your mobile wallet (Google, Apple, Samsung or Fitbit Pay) will still earn you the bonus miles

Assuming you spend more than S$1,110 in a month, consider using the UOB Visa Signature instead. This earns 4 mpd on contactless spending, provided you spend a minimum of S$1,000 and maximum of S$2,000 on contactless + petrol spending per statement period (see below for more details on petrol spending). 

Since the UOB Visa Signature has a minimum spend threshold to meet, only use it if you’re very sure you’ll spend at least S$1,000. Anything below that earns a measly 0.4 mpd!

Foreign currency: OCBC 90N or UOB Visa Signature (after 29 Feb 2020)

  Earn Rate Cap Remarks
OCBC 90N
Apply here
4.0 mpd None Until 29 Feb 2020

UOB Visa Signature
Apply here
4.0 mpd S$2,000 per statement month Min S$1,000 spending on foreign currency. Payment processing must be done overseas

With an uncapped 4 mpd on foreign currency spending, using the OCBC 90N is a no-brainer. This won’t last forever, sadly, and after 29 Feb 2020 it reverts to a more sedate 2.1 mpd.

I’m hopeful that another bank will step in to fill the void, but if not, the UOB Visa Signature gets called up for duty. This gives you 4 mpd on foreign currency spending, provided (1) you spend at least S$1,000 in foreign currency in a given statement month, and (2) the payment processing is done outside of Singapore

If you’re physically swiping your card overseas, you don’t need to worry about the payment processing bit (do look out for DCC though). If you’re paying for something online, be careful when paying in foreign currency on websites with .sg domains (e.g Hotels.com)

Do note that the 4 mpd on foreign currency is capped at S$2,000 per statement month, and this cap is shared with contactless + petrol transactions. In other words, the only way you could earn 4 mpd on both is to spend exactly S$1,000 on foreign currency and S$1,000 on contactless + petrol. In reality you won’t, so pick one or the other. 

Dining: UOB Preferred Platinum AMEX or UOB Lady’s/Lady’s Solitare Card

  Earn Rate Cap Remarks

UOB Preferred Platinum AMEX
4.0 mpd S$6,000 per calendar year No longer issued
UOB Lady’s Card
Apply here
4.0 mpd S$1,000 per calendar month Dining must be selected as your quarterly 10X category
UOB Lady’s Solitaire
Apply here
4.0 mpd S$3,000 per calendar month Dining must be selected as one of your two quarterly 10X categories

If you managed to get a UOB Preferred Platinum AMEX before the card was discontinued, great! Continue using it for the first S$6,000 of dining spend each year. 

The UOB Lady’s Card (which unlike the DBS WWMC is strictly for women only) lets you earn 4 mpd on 1 of 7 categories every quarter– one of which is dining. This makes it the only 4 mpd dining card still open for applications. 

The 4 mpd is capped at S$1,000 per calendar month, but if you qualify for a UOB Lady’s Solitaire (min income: S$120K) you enjoy a S$3,000 cap, plus an additional bonus category. 

It’s not all doom and gloom for men though, as you can ask your girlfriend/wife to apply for a Lady’s Card and add it to your mobile wallet. If you have no girlfriend/wife, then the good news is that contactless terminals are pretty common at restaurants too. 

Alternatively, you may consider a HSBC Revolution, which gives 2 mpd on dining with no cap. It may be worth considering if you spend a lot on dining where contactless isn’t an option, but otherwise I’d avoid the risk of orphan points. 

Petrol: UOB Visa Signature or Maybank World Mastercard

  Earn Rate Cap Remarks

UOB Visa Signature
Apply here
4.0 mpd S$2,000 per statement month Min S$1,000 spending on petrol + contactless, excludes Shell and SPC

Maybank World Mastercard
Apply here
4.0 mpd None(?)  

The UOB Visa Signature has popped up quite a few times in previous sections, so I won’t repeat myself again here- just note that Shell and SPC are ineligible for 4 mpd (which leaves Esso, Caltex, and Sinpoec). 

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If you don’t want to deal with minimum spends and exclusions, then the Maybank World Mastercard is probably a better choice. This offers 4 mpd on petrol, period, and based on the website, there doesn’t seem to be any cap. 

Offline shopping: Citi Rewards Visa + OCBC Titanium Rewards

  Earn Rate Cap Remarks
Citi Rewards Visa
Apply here
4.0 mpd S$1,000 per statement month  

OCBC Titanium RewardsApply here
4.0 mpd S$12,000 per membership year Both Pink and Blue cards have their own caps

The Citi Rewards Visa will earn 4 mpd on spending at any department store, or any shop selling bags, shoes or clothes. However, since its 4 mpd cap is very valuable and ideally preserved for slabmay hopups, I’d instead use the OCBC Titanium Rewards for offline shopping.

The OCBC Titanium Rewards gives 4 mpd on the first S$12,000 each membership year spent at any of the following merchants:

MCC 5311 Departmental Stores
MCC 5611 Men’s and Boy’s Clothing and Accessories Stores
MCC 5621 Women’s Ready to Wear Stores
MCC 5631 Women’s Accessories and Specialities Stores
MCC 5641 Children’s and Infant’s Wear Stores
MCC 5651 Family Clothing Stores
MCC 5661 Shoe Stores
MCC 5691 Men’s and Women’s Clothing Stores
MCC 5045 Computers, Peripherals, and Software
MCC 5732 Electronic Stores
MCC 5699 Miscellaneous Apparel and Accessory Shop

The cap is particularly noteworthy because you can utilize all of it at one go, great for big ticket purchases (e.g laptops). There are two versions of the OCBC Titanium Rewards (Pink & Blue), and each comes with its own S$12,000 cap. 

Public transport: UOB PRVI Miles Mastercard or Visa 

  Earn Rate Cap Remarks
UOB PRVI Miles Mastercard or Visa
Apply here
4.4 mpd S$80 per calendar month Until 29 Feb 2020

It looks like banks have decided to run tactical promotions for SimplyGo. Last year, we saw DBS running a 4 mpd promo on the Altitude Visa, and UOB replying with a 4.4 mpd promo of their own. The DBS promo lapsed and wasn’t renewed (although new DBS Altitude customers can enjoy 4 mpd on SimplyGo for the first 3 months), but UOB has extended theirs until 29 Feb 2020

As a reminder, registration is required for this promotion, and you have to pay for your rides via mobile contactless (i.e Apple Pay, Fitbit Pay, Google Pay or Samsung Pay). You will not earn any bonus miles if you tap your physical card at the reader.

The relatively small amounts transacted on SimplyGo means such promotions probably don’t cost too much to run, and they’re good for building daily touch points with the product. I’d expect a new one to come along in Q2 2020.

Bill Payments: CardUp or Citi PayAll

  Fee Cost Per Mile Types of Payments
Citi PayAll 2% 1.25-1.67
  • Rent
  • Tax
  • Education
  • MCST
  • Electricity 
CardUp 2.25% with GET225 code, or S$20 off your first payment of S$1K or more with MILELION code 1.38-1.83
  • Rent
  • Tax
  • Education
  • MCST
  • Insurance
  • Electricity
  • Season Parking
  • Car Loans
  • Helper payments

If you were hoping to earn some free miles while paying bills, then the bad news is AXS no longer accepts GrabPay

This leaves very few avenues to earn miles without a surcharge. The only ones I’m aware of are (please contribute if you know others):

  • SP Utilities and Singtel bills earn points with American Express cards
  • Insurance bills earn points with the HSBC Revolution and BOC Elite Miles
  • Telco bills earn points on the Citi Rewards Visa if paid online or via app, provided you don’t set the up as a recurring payment
  • Keppel Electric and SP Utilities bills earn points with the UOB PRVI Miles

Otherwise, if you don’t mind paying a small fee, both CardUp and Citi PayAll are good options. PayAll is marginally cheaper, but limits you to rent, tax, education, MCST and electricity bills. CardUp supports more types of payments, and is currently offering a fee of 2.25% with the code GET225.

If you want to pay rent in particular, then your cheapest option is RentHero, which is offering a 1.85% discounted admin fee to Milelion readers until 30 June 2020. 

General spending: BOC Elite Miles World Mastercard

  Earn Rate Cap Remarks
BOC Elite Miles
Apply here
Local: 1.5 mpd
Overseas: 3.0 mpd
None Are you sure?

UOB PRVI Miles
Apply here
Local: 1.4 mpd
Overseas: 2.4 mpd
None Awarded per S$5 of spending
If you have access to a general spending card that earns 1.6 mpd, such as the Citi ULTIMA, UOB Reserve, DBS Insignia or premier/private banking versions of the OCBC VOYAGE, by all means go ahead and use it

I’m still using the BOC Elite Miles World Mastercard as my general spending card. And believe me, I hate myself for it. Despite the mysterious interest charges, annual fee fiasco and general skullduggery, I’m tied to this product until I can quit the BOC SmartSaver honeytrap.

The BOC SmartSaver is one of the easiest ways to earn 3.55% p.a on the first S$60,000 of your savings. There’s no need to buy any investment products or insurance; just spend at least S$1,500 on your credit card, credit a salary of S$6,000 or more, and pay 3 bills via GIRO or ibanking. 

If you don’t use the SmartSaver, however, I’d suggest you use the UOB PRVI Miles card instead. You’ll lose out on 0.1 mpd, and you’ll need to watch out for UOB’s infamous S$5 rounding policy, but I’d wager your blood pressure will thank you. 

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Remember, your general spending card is your card of last resort. Only use it when opportunities to earn 4 mpd don’t exist. 

Benefits card: AMEX Platinum Charge

In addition to my spending cards, I also keep what I call a “benefits card”- held not primarily for spending, but because of the benefits it gives.

For 2020, that’s the AMEX Platinum Charge. Yes, the S$1,712 annual fee is pretty eye watering, but I had a very good experience over the past year and the valuation still makes sense for me.

With the AMEX Platinum Charge, I’ll be fully utilizing:

  • S$800 of airline and hotel credit
  • S$200 of St Regis dining vouchers
  • Unlimited airport lounge access for principal cardholder + 2 supplementary cardholders
  • 1 staycation at the St Regis or W Singapore
  • 2 nights at selected Frasers Hospitality residences (thanks to the voucher I get from holding the AMEX Platinum Reserve, with no annual fee)
  • Three complimentary spa treatments
  • Elite status for hotels
  • Love Dining benefits

If you just can’t part with a four-digit annual fee, then the Citi Prestige (AF: S$535) may be a good alternative, depending on how you feel about the following:

  • 25,000 miles
  • 4th night free on hotel stays
  • Complimentary airport limo transfers (hefty spend required though)
  • Unlimited airport lounge access for principal cardholder + 1 guest

How much should we specialize?

As much as we want to maximize 4 mpd everywhere, is it possible to overdo it? 

That’s a great question. The way I see it, there are two additional considerations:

(1) Conversion Fees

The more cards you hold, the more conversion fees you pay…sometimes. If you hold multiple UOB cards, you still pay one conversion fee because your points are pooled. If you hold multiple Citibank cards, you pay as many conversion fees as you have cards. Have a read of this article to learn which banks pool points

If you’re spreading your cards across multiple banks, then you’ll of course pay more conversion fees. Honestly though, I’m not overly worried about conversion fees. We try to minimize them where we can, but it’s not the end of the world if you end up paying a few- I guarantee you they’ll be the last thing you think about when you’re sitting in your First or Business Class seat. 

(2) Orphan Points

I’m a bit more concerned about orphan points. If you spread yourself too thin, you may end up in a situation where you’re optimizing on transactions, but not in an overall sense. 

For example, if I drive very infrequently but get a Maybank World Mastercard just so I can earn 4 mpd on petrol, I may be optimizing on the transaction, but that counts for little if I end up with a small chunk of TREATS points I can’t cash out. 

So my take on the situation is that optimization is good, but you need to look at both the micro and macro picture. If you don’t spend a significant amount on a particular category, then consider using your general spending card instead. 

Conclusion

So that’s the game plan for 2020! Once again, I’d stress that the key is to be flexible and know how to adapt. We all know that the miles and points game can change at a minute’s notice, and it’s important to keep an eye out for the latest developments. 

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The list presented here is not necessarily comprehensive, and there are many roads to Rome. If you have alternative strategies, I’d love to read about them in the comments below. 

Finally, I’ve not said a word about sign up bonuses, on the assumption that you’ve already exhausted them. If not, check out this page where I keep track of the latest sign up bonuses on the market- they’re a great way to jump start your miles collection. 


Signing up for credit cards through any of the links in this article may generate a referral commission that supports the running of the site. Found this post useful? Subscribe to our Telegram Channel to get these posts pushed directly to your phone, or our newsletter (on the right of your screen) for the latest deals and hacks delivered to your inbox.

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DK
Guest
DK

Hi aaron, any reason why the grabpay mastercard has not been given more credit in the analysis? With grabpay card, general spend no longer exists – everything earns 4mpd (using the right cards to top up – eg uob lady solitaire or citi rewards visa etc) up to $30k a year per account.

dk
Guest
dk

not sure about UOB cards but from what i gathered online, based on user replies 1) citi reward will no longer give any point (0!!!) for topping up grabpay unless it is a saved card, and u must have saved the card before the change in mcc. might be made totally invalid in the future. 2) someone actually called maybank hotline to check if maybank horizon will get 3.2miles. The reply was it does but the bank is intending to change this because it is not working-as-intended. They are working out so that only grab rides will get 3.2miles This… Read more »

Uk_Ship
Guest
Uk_Ship

HSBC Visa Infinite also gives points for SP services (at least it does if you physically pay the bill at the desk- although now the service centre has moved out of CBD it’s less useful)

Wil
Guest
Wil

I thought DBS altitude card still earn miles for SP bill not just AMEX card. And Telco can still earn 4 miles if paid online via women card?

BSLTW
Guest
BSLTW

not anymore since Nov 19 (using the SP app, not sure about counter payment)

Will
Guest
Will

Any reason why ipaymy is not listed?

Vk
Guest
Vk

How about Citi Premier Miles for 1.5mpd if able to hit 3k spending per month or is this promo no longer available?

Kevin
Guest
Kevin

Is Citi rewards cap of 1k per category or in total (i.e offline shopping and online spend each allows 1k or total is still 1!?

lifeonthego_k
Guest
lifeonthego_k

Total is 1k. Read the T&Cs

Wayne
Guest
Wayne

Could’ve finished your comment at the full stop. If you’re trying to encourage him to be self sufficient, then you could’ve only included the part after the full stop.

SH
Guest
SH

Hi Aaron thank you for the comprehensive article! Which card is best for earning miles on insurance premium payments?

D.
Guest
D.

SCB VI + Easybill, imo.

bent
Guest
bent

or Grabpay card for rewards and miles (indirectly)

Adam
Guest
Adam

HSBC Revolution (2mpd) or BOC Elite Miles (1.5mpd)

jay
Guest
jay

Hi! Does anyone know if UOB Preferred Platinum Visa still grants 4.0 mpd for contactless spending overseas?

Wil
Guest
Wil

it dont grant

lifeonthego_k
Guest
lifeonthego_k

It does

VT
Guest
VT

Hi Aaron, there’s ipaymy for rent, taxes, insurance and other payments. Fees are 2.25%, cheaper with promo codes

Xin
Guest
Xin

What happened to dining, UOB PPA doesn’t offer 4mpd capped 6k anymore?

lifeonthego_k
Guest
lifeonthego_k

My general spend card is going to be the OCBC 90 because I value the ability to make (free) transfers in 1,000 mile increments over the additional 0.2-0.3 miles/dollar earned with other cards.

bent
Guest
bent

If u have DBS WW, you can also consider using DBS Altitude as your general spend card since the points pool, and Altitude points do not expire.

L
Guest
L

Comparing OCBC 90N and DBS Altitude for general local spend, 90N would be a better choice. Both earns 1.2 mpd and points don’t expire, but 90N has a much lower transfer-to-miles requirement, and transfers are FREE.

James
Guest
James

Thanks for the detailed list! I’m struggling to decide a suitable card for categories like utilities payment, telco bills, insurance payment, groceries, luxury items at retail stores. I guess I should use citi rewards or Dbs woman’s for telco/ utilities, PPV for groceries, PRVI for luxury spend and still no card (other than scb VI) for insurance? :S

Any other categories out there, the cards in the market are not addressing in your view?

freedom
Guest
freedom

Did you get the annual fee waiver for BOC Elite card? Or you paid for it?

LS
Guest
LS

Hi, thanks for the great article !

BOC SmartSaver actually doesn’t easily pay 3.55% on the first $60k. This 3.55% actually includes a 0.60% component that is only paid on the $60k-1mm tranche. Wouldn’t it be more accurate to say it easily pays off 2.95% on the first $60k balance ?

Regarding the Amex Platinum; what about the 2 nights at Banyan Tree / Mandarin Oriental (fairly big value added)

Cheers,

LS

KH
Guest
KH

If you are getting electricity from Geneco, you can use GrabPay directly on Geneco’s website to pay for the bill

K
Guest
K

Hello

For uob rounding down issue, is each transaction treated and adjusted uniquely or all transactions on a priv card are consolidated at the end of the statement month and then rounded down to the nearest $5? Any idea thanks!

L
Guest
L

it’s stated in another articlehttps://milelion.com/2019/08/16/how-do-banks-round-credit-card-points-and-whats-the-minimum-spend-to-earn-them/ linked in this article

Bruno
Guest
Bruno

If UOB still doesn’t award points for transactions below 5$, using the 4mpd UOB PRVI Visa on SimplyGo wouldn’t make sense.

SimplyGo charges rides with Visa cards on a daily basis, and I guess a strong minority spends more than 5$ per day on public transport.
Even if you do, the cap is 80$ per month. UOB being “smart”…

(SimplyGo charges MasterCards on a 5 day basis).

Lemon
Guest
Lemon

SimplyGo works slightly differently on UOB Visa cards to avoid the “below $5” issue you mentioned. See the site for more info:
https://www.uob.com.sg/personal/cards/cards-privileges/simplygo.page

#Cardmembers earn UNI$ for every S$5 spent on SimplyGo Transactions per submission by the merchant, except for SimplyGo Transactions performed on UOB Visa Cards, where UNI$ are earned based on the accumulated spend on SimplyGo Transactions per calendar month, and awarded to Cardmembers on the 7th calendar day of the following month. Visit uob.com.sg/rewards for details.

Ling
Guest
Ling

Yep got my 4.4 miles credited for my oct simply go and they accumulated total to awards

Freddy
Guest
Freddy

What are your thoughts on DBS Altitude Visa card? It gives 3 mpd for online hotel and air ticket bookings with a monthly cap of $5,000. I think it can be useful if the maximum for DBS World Women card ($2,000) is reached.

imran
Guest
imran

I think…. singtel doesnt accept amex anymore- i tried and it said only mastercard and visa

Noob
Guest
Noob

Doesn’t Amex only charge you one fee per year? Why don’t you also sign up with the cheapest amex platinum and get the one night free at swissotel each year?

Financialmtc
Guest

Why sign up for platinum basic when he can get reserve for free

Tom
Guest
Tom

Hey man any chance you can do a version of this that is only for cards that a) don’t have minimum spend / caps per category and b) excludes UOB.

I’m all for maximising points but brainpower is focused elsewhere to keep track of numbers per category per card. Plus UOB…..I just can’t – too painful every time.

Man on the @#&£ing Moon
Guest
Man on the @#&£ing Moon

Come on, do some legwork instead of expecting the guy to spoonfeed every step of the way. It’s not even that difficult if you’re serious about collecting miles.

Wayne
Guest
Wayne

The guy’s not coming across as demanding at all nor is he giving off a negative demeanour (albeit hard to gauge via text).

But I agree with the comment below that if he’s not willing to deal with caps then just stick to general spending cards.

Tom
Guest
Tom

You’re…..kidding right? The purpose of these blogs is that they do the “legwork” for you and in exchange get paid AD revenue when we read the articles / use their MGM links (which I did last month for Aaron’s 1712 link). It was an article suggestion – learn to understand how business works haha

Adam
Guest
Adam

Article suggestions need to be relevant to a broad audience – your request is so narrowly specific that it’s unlikely to draw much attention from most people. Few people hate UOB so much that they swear off their cards, especially when you dangle a shiny “4 MPD!!!” in front of them. Also, any miles chaser worth their salt will tell you that caps are part of the game, and they bear with it. You either take uncapped but gen spend rates (1.5mpd max) or 4mpd but capped. That’s life – live with it.

Tom
Guest
Tom

I disagree, there are plenty of non-hardcore miles chasers and many special cards with no minimum spend (voyage 1.6 for dining, Many 2+ for overseas, Dbs altitude 3 for hotel/flights). I was just suggesting an article for the less hardcore miles chasers and it was just that a suggestion – not a demand – geez some people on this blog can be kinda toxic! Were you bullied at school?

Man on the @#&£ing Moon
Guest
Man on the @#&£ing Moon

Boohoo, need someone to guide you to the nurse’s office?

“a) don’t have minimum spend / caps per category and b) excludes UOB”

Ok, then go to Aaron’s previous list of cards he recommends for various spending categories and take your pick from the general spend cards. Don’t get lost alright?

Adam
Guest
Adam

You’ll very rarely get uncapped >4mpd opportunities – and these are usually limited time only (think Citi Rewards Apple Pay or the ongoing OCBC 90N promo). As Aaron has mentioned before, banks lose money on 4mpd, so they’ll always find a way to cap their losses. If you avoid UOB, you’ll lose the very useful PPV, which basically gives you 4mpd almost everywhere. If you don’t want to put in the effort to track spending categories and want uncapped miles with no minimum spending, I got a strategy for you. Just use your general spending card on everything. Leave the… Read more »

dk
Guest
dk

go read up hsbc revolution. i believe it is what you needed but i’m not sure if it covers the entirety of what u seek.

but main points are: no cap, 2 miles(5 hsbc point) for online, dining and entertainment, miles expire after 3 years, point exchange is a per-year-subscription service (40 sgd). but if any of these is a pain, skip it.

for more details such as the perk, you need to read it up yourself.

Adam
Guest
Adam

You’ll want to check your data again on Altitude bonus miles on hotel/flights – it’s capped at $5K a month. There are a few cards that offer uncapped earning. Off the top of my head, the ones I can think of are: – UOB KrisFlyer Credit Card: 1.2 mpd general spending, 3 mpd on SIA-group spending, 3 mpd on dining, food delivery, online shopping, travel and transport with a minimum spend of $500 on SIA-group related spending. But you swore off UOB, so this won’t work for you. – HSBC Revolution, as the poster above me mentioned: 2 mpd on… Read more »

Yiwei
Guest
Yiwei

For UOB lady’s card if transport is the selected category, pumping petrol at SPC is not excluded right?

Michel Perez
Guest
Michel Perez

Great review Aaron, honestly! 😀

pzhong
Guest
pzhong

Which card is the best for payment for medical or hospitalization other than the SCB Visa infinite (which comes with a high annual fee) ?

Meusp
Guest
Meusp

Hi,

I read the blog thoroughly but I can’t get how men can enjoy UOB Lady’s cards through their wife.
Should I ask her to get the card and then link it to my KF account ?
If so, what if she already has other UOB card linked to her KF account (e.g. UOB KF) ?

Could it be used on a joined account ?

Thanks !

hoppou
Guest
hoppou

since CRV is so valuable for plabgay hopups, shouldn’t we be using wwmc for SIngtel (telco) bills instead?

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