The Milelion’s 2020 Christmas Wishlist

My hopes and dreams for the miles and points game in the upcoming year.

Merry Christmas in advance to all Milelion readers! I’m still hard at work putting together some thoughts on the year that’s been (I mean, there’s just so much to talk about), but I’ll definitely have that done before the new year. 

Every year since the site started in 2015 (except 2017 where I plumb forgot), I’ve been putting together a little list of things I’d love to see happen in the miles and points game. Even though some of them are mere pipe dreams, a good number of previous year’s wishes have surprisingly come to fruition!

🎄 Thank you also to everyone who’s chipped in for The Milelion’s Christmas Fundraiser, which this year supports the work of The Salvation Army. We’re at S$18,295 now, and I’m hoping we can hit S$20,000 by Christmas day. Do consider contributing in any small (or big) way you can!

So, in no order of preference, here’s my wishlist for 2020…

(1) Leisure travel bubbles opening up

The Hong Kong ATB will be reviewed between Christmas and New Year, but don’t hold your breath

The highly-anticipated leisure travel bubble with Hong Kong ended up being postponed at the last minute, and in retrospect, it was the only decision that could been made. The ATB will be reviewed between Christmas and New Year to see whether a January start is feasible, but based on the current caseloads (21 Dec: 51 linked, 27 unlinked), I think it’s highly improbable. 

Who does that leave? Singapore has said that it’s actively seeking additional travel bubble partners, and names like Australia, Brunei, China, Japan, New Zealand and Vietnam keep getting thrown around (Taiwan too, but it might be politically difficult to do that).

My personal preference would be Australia or New Zealand, but given how cautious both countries are even with each other, I’d temper my expectations. Japan might be an interesting one to watch, with authorities previously announcing plans to resume tourism early next year in preparation for the Olympics. That said, they’re already putting the brakes on domestic tourism, so it’s very much up in the air. 

Quite frankly I’d take anywhere you’d give me right now, and most Singaporeans probably would too. 

(2) More ground experiences from Singapore Airlines

SIA@Home First Class Sydney meal
SIA@Home First Class Sydney meal

While Singapore Airlines had to can their plan for flights to nowhere, they did come up with a  fun substitute: Discover Your Singapore Airlines. This series of events allowed SIA fans to experience some of the joys of flying while remaining firmly on the ground.

I did all three- ordered a S$608 First Class meal at home, dined on board a parked A380 (in both Suites and Business), and visited SIA’s training centre. All were highly enjoyable, although the kind of thing you probably just do once.  

Now I get that none of these are meant to be big money makers for Singapore Airlines. In fact, I highly suspect that the operating costs of Restaurant A380 and Inside Singapore Airlines might just have been more than what they took in ticket sales. But the PR angle is tremendous, and the goodwill it engenders in the public’s heart will go a long way should a further infusion of taxpayer funds be required. 

I mean, the cabin crew got a veritable hero’s welcome when they walked through the gate area en route to Restaurant A380, one of the most wholesome moments of the day. That’s the real value of these events, and it helps Singapore Airlines reinforce their brand even when people aren’t flying. 

I’d wager there are still areas worth exploring- a tour of the catering facility perhaps, or a look at airport operations like baggage handling. I’d certainly be first in line. 

(3) More KrisFlyer Experiences

KrisFlyer Experiences holds so much promise, but it couldn’t have picked a worse time to launch. The first event ran right smack into COVID-19, and even though in-person events are once again offered, they’re necessarily small scale due to restrictions.

This is unlikely to change even in Phase 3, because we’ll be dealing with eight people at most. If all goes well, however, perhaps we’ll see a Phase 3b with expanded gatherings. There was a test concert at MBS recently, so the idea of larger KrisFlyer Experiences may not be that far off.

(4) Premium credit cards justifying their annual fees 

This hasn’t been a good year for premium credit card holders. While key benefits like lounge access and limo entitlements can’t be used, annual fees have not been adjusted accordingly. Banks are still expecting customers to shell out S$500 (or more) for the privilege of membership, which is just absurd at the moment. 

American Express has been a notable exception, with its numerous initiatives for Platinum Charge members (double points, $500 statement credits, virtual Platinum af’FAIR, staycation promotion), although in my opinion they’ve really dropped the ball when it comes to dealing with expiring travel credits.

Other cards haven’t done an awful lot beyond the following:

There’s obviously no need to cancel your card prematurely (it’s not like you get a pro-rated refund of the fee), but I don’t think I’d advise anyone to renew their premium credit cards so long as travel remains at a standstill. The main reason why I renewed my AMEX Platinum Charge was because I could redeem MR points for the fee, and American Express has actually rolled out some commendable initiatives to cushion the impact of COVID-19 (although I’m still unhappy with how they’re handling travel credits, something I’ll look at more closely towards renewal time). 

If there’s one thing that COVID-19 has revealed, it’s how reliant premium cards are on travel benefits. Hopefully, product managers will rethink their approach and introduce new perks that can be used during these usual times, even if they’re only temporary. 

(5) More generous hotel points sales

Ritz-Carlton Hong Kong
Ritz-Carlton Hong Kong

While we’ve seen a handful of frequent flyer programs offer some unprecedented mileage sales this year (e.g LifeMiles’ 200% bonus, Alaska Mileage Plan’s 60% bonus), hotels have played it relatively safe. 

Hilton didn’t offer anything larger than a 100% bonus this year, nor did IHG. In fact, Hyatt’s most generous sale this year has been a 30% bonus, well below the 40% we saw offered in 2019 and years before. The only program that bucked the trend was Marriott, which offered its biggest-ever bonus of 60% twice in 2020. 

I have to say I’m surprised. With travel on an indefinite hiatus, you’d think the hotels would need an infusion of working capital just as badly as the airlines. Maybe it’s got something to do with how hotels are run versus airlines (most hotels under a particular chain are franchisee-owned and operated, and while franchisees can’t control points sales, they have indeed been active with voucher sales), but I’d love to see Hilton or Hyatt pushing the envelope a bit. Since it’s so hard to earn hotel points in Singapore, I’d certainly be a buyer for Hyatt points with a 50% bonus, for instance. 

(6) Expanded COVID-19 coverage for travel insurance

Sompo is one of the few travel insurance providers to cover COVID-19

This is one wish I’m almost certain we’ll get, though it’s less clear when exactly it’ll happen.

The vast majority of travel insurance policies currently exclude coverage for COVID-19 related events. The only exceptions I’m aware of are the airline-affiliated ones (e.g Singapore Airlines & AIG, Scoot & AXA, Cathay Pacific & AXA), plus Sompo and NTUC Income.

But this is a chicken and egg problem. If travel insurance providers don’t cover COVID-19, people won’t have the confidence to travel. And if people don’t travel, travel insurance providers won’t sell any travel insurance. So I think that sooner or later their hand will be forced, and provisions will be added to cover COVID-19 where passengers are traveling under approved travel arrangements (e.g green lanes, travel bubbles).

(7) Less tricks, more treats from hotels

Capitol Kempinski Heritage Room
Capitol Kempinski Heritage Room

While the hotel industry may have seen record low occupancy rates in the first half of this year, they’re actively making up for lost time with the resumption of staycations. More than 250 hotels are now staycation-approved, and while we’ve seen some pretty good deals, not everything is hunky dory. 

I’m thinking of two instances in particular.

First, Andaz Singapore and their remarkable “room-only” rate, where guests are not permitted access to the pool and gym. It’s bad enough this clause is buried in the fine print, but to compound matters, the hotel is not being upfront about the reason for the restriction. They claim is that the pool and gym are fully booked for December, but as I showed here, it’s completely untrue. 

Second, Pan Pacific Singapore and their S$5 delivery charge. This was introduced shortly after I did my stay, but I noticed it when I was putting the review together. Guests must pay S$5 for every additional request for in-room amenities, be it shampoo or an extra towel (and from the reports I’m getting, S$3 per additional bottle of water). That’s just poor form for a 5-Star hotel- I get that they’re understaffed, but since when did nickel-and-diming the guests become the solution? 

When reputable hotels like the Andaz and Pan Pacific resort to such shenanigans, it leaves a bad taste in the mouths of guests. It also reflects an alarming short-termism in thinking, insofar as disgruntled guests are hardly likely to become repeat customers. 

Grand Park Orchard queues | Photos: SHARON MEOW LIM, KENJI NG/FACEBOOK

These two aside, it’s clear from the recent chaos at Grand Park Orchard that some hotels are overextending themselves in an attempt to grab the December dollar. When you simply try to sell every room you can with no regard to manpower or infrastructure constraints, you’re shortchanging your guests and throwing your staff under the bus.

I find it hard to believe that scenarios like this are unforeseeable. The staycation market is a very different beast, with guests typically arriving early and checking out late (compared to overseas travelers who arrive and leave at all hours of the day)- that’s not a new discovery. Hotels must surely have known that this might happen, but still decided to book themselves full nonetheless in the hope that guests will grin and bear it. Again, it’s short term thinking, and taking their patronage for granted. 

On a more positive note, I’m glad we’re seeing other hotels get creative with staycation packages. PARKROYAL on Beach Road, PARKROYAL COLLECTION Pickering and Pan Pacific are now offering a “100% dining credits” promotion, where guests get 100% of their room rate (even taxes and surcharges) back as dining credit. While it’s unlikely this will become widespread the way it is in Hong Kong, it’s definitely a welcome development. 

(8) KrisFlyer to adopt an activity-based expiry policy

Singapore Airlines has been periodically extending KrisFlyer miles, but why not just remove expiry altogether?

Singapore Airlines has extended the validity of KrisFlyer miles several times this year, with the latest extension lasting till at least April 2021. However, so long as COVID-19 remains unresolved, it’ll always be a case of kicking the can down the road. 

That’s because KrisFlyer’s expiry policy is a hard three years (except for PPS Club members, whose miles do not expire). Why should this be, when so many airlines (including long-time rival Cathay Pacific) have switched to an activity-based expiry system? 

As I argued in this article, activity-based expiry policies avoid penalising your cobrand cardholders (three-year expiry countdown automatically starts when miles are credited right now), make saving up for aspirational awards easier (no hard expiry), are relatively less confusing for consumers (you don’t have different miles with different ages), and encourage more frequent touchpoints with the program (every transaction helps extend the life of all miles). It just makes so much sense. 

Go on KrisFlyer, do it. 

How did previous year’s wishlists go?

On the off chance you’re feeling nostalgic, here’s the things I wished for in 2015, 2016 and 2018. 

2015’s Christmas Wishlist

  • For banks to provide an itemized statement of points awarded per transaction (granted, for some at least)
  • For an app to check MCCs before you buy something (granted…although caution needs to be exercised with the data points)
  • For DBS and UOB to introduce more airline and hotel partners (granted…at least for DBS)
  • For banks to introduce credit cards without foreign transaction fees (granted…albeit temporarily)
  • For Singapore Airlines to introduce more tiers within KrisFlyer (granted…sort of)
  • For KrisFlyer to introduce online bookings for KrisFlyer partner awards (granted)
  • For all SQ economy tickets to be upgradable, not just full fare (granted…sort of)
  • For a proper functioning SQ site that, you know, lets you do useful stuff (getting there slowly…)
  • For Global Entry for Singapore passport holders (granted)

2016’s Christmas Wishlist

  • For Singapore Airlines to introduce a truly revolutionary new cabin product…(granted)
  • …and actually allow redemptions on said product (granted…sort of)
  • For KrisFlyer to extend its discount redemption promotions to cover premium cabins (granted)
  • For Marriott to keep the best parts of the SPG program post 2017 (granted…sort of)
  • For Uber to start a loyalty program (jinxed it)
  • For Uber to bring back some measure of transparency to their pricing (ditto)
  • For a bank to break the 1.4 mpd barrier (granted)
  • For banks to introduce equitable ways of handling foreign currency refunds

2018’s Christmas Wishlist

  • For more hotel points transfer promotions
  • For Marriott points to go back on sale at reasonable rates (granted…but whether it’s reasonable is debatable)
  • For another bank to enter the miles game with a bang (granted)
  • For another mega Apple Pay-esque promotion
  • For the quick and painless death of the 2009 Regional J seat (granted…slowly but surely)
  • For a groundbreaking, full-flat seat for SilkAir aircraft (looks to be granted, but I’ll believe it when I see it)
  • For new SilverKris lounges at Changi Airport (renovations have been announced, but I’ll reserve judgement until we see the end product)
  • For more travel insurance options to cover miles and points

2019’s Christmas Wishlist

  • For more “no questions asked” miles purchase facilities
  • For a S$120K card from DBS
  • For new SCB X Card benefits (we didn’t get it, but they did unexpectedly waive the second year’s fee, so that’s something?)
  • For a relaunch of the American Express Platinum Reserve (watch this space in 2021)
  • For additional instant conversion options for KrisFlyer (UOB was added as a Kris+ instant transfer partner, but the 15% haircut is hard to swallow)
  • For the removal of conversion fees
  • For a new, knock-’em-dead First Class lounge for Singapore Airlines (completion was scheduled for 2021, but who knows how that’s changed now?)


So those are the things I’m hoping to find in my stocking come 2021. It’s been a tough year for miles chasers, but frankly, there’s a whole lot to be thankful for too! 

What are you hoping to see in the miles and points game next year?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Merry Christmas, Aaron!

Hoping for some good old Milelion classroom workshops to resume soon!


Course sizes are not limited to 8, if I’m not wrong, but subject to safe management measures, like masks and distancing. Dining is, only because you de-mask.


Amex Platinum Reserve Credit Card. “Watch this space in 2021”. Something brewing? Can give some hints?


A finite expiry period for miles provides a lot more certainty on the financial liability amount of miles. That’s probably a primary reason why they’ve kept it for so long. But agree, if the intention is to maintain engagement with your customers, then an activity based expiry should do well.