2022 Edition: Best Credit Cards for Weddings

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Which credit cards can you use to get the most miles on your wedding banquet? Here's how to leverage sign-up and category bonuses.

So you’re getting hitched. Congratulations!

You have many important questions ahead of you, like which neighbourhood to buy a house, when to have kids, and how to deal with in-laws (two men are in a bar, one says to the other “my mother-in-law is an angel”, the other says “you’re lucky, mine’s still alive”). 

But the most important question, by far, is how can you get the most miles out of your wedding.

In this article, I’m going to focus on the biggest expense of any wedding: the banquet. Even a medium-sized affair of 40 tables, assuming S$1,500 per table, will cost about S$70,000 after service charge and GST. Assuming you can recoup most of that through hongbaos, however, it’s a great opportunity to mint some miles for your honeymoon. 

💳 What’s the Best Card for…
This guide forms part of the “best card” series. Check out other category specific guides below, or the overall guide here.
💗 Charitable Donations | 🏫 Education | 🥡 Food Delivery | 🏥 Hospital Bills | ☂️ Insurance 
| ⛽ Petrol | 🚍 Public Transport| 🚰 Utilities Bills | 👰 Weddings

Assumptions

In the analysis below, I’m going to make several assumptions.

First, that your banquet venue allows you to split the expense onto different cards (and there’s no reason why they shouldn’t, really).

Second, that your banquet venue allows for monthly instalment payments, which is the standard practice in most places.

Third, that the banquet venue offers contactless payment. You might think that in 2022 this would be a given, but unfortunately it’s not.

Fourth, that both you and your partner qualify for credit cards (i.e. earn at least S$30,000 per year). You could, of course, do a one-person strategy, but needless to say your haul would be much lower.

While we’re on the topic of incomes, you might notice that some of the cards below have elevated income requirements. The key thing to remember is that anything above the MAS-mandated S$30,000 is an arbitrary figure (income does affect the credit limit that can be granted, but not approval for a card per se). 

It doesn’t mean you’re likely to get approved for a DBS Vantage or Citi Prestige if you earn S$40,000 per year, but it does mean you can probably get a UOB Visa Signature or AMEX KrisFlyer Ascend (both S$50,000 per annum). In any case, there’s no harm applying- the worst they can say is no.

With all that in mind, there’s two ways to go about this.

(1) Sign-up bonuses

The first order of business should be to look for credit card sign-up bonuses. As the name suggests, these are one-time lump sum bonuses granted upon meeting a certain minimum spend in a certain period. 

A summary of the current sign-up bonuses can be found below. As the offers below will eventually go out of date, do bookmark the Credit Card Sign-Up Bonuses page for all the latest.

CardTotal Spend
Total Miles
(Inc. Base)
💳 Income Req: S$30K
AMEX KrisFlyer Credit Card
Apply

Read More
S$2K (3 mo.)26,200
DBS Altitude Visa
Apply

Read More
Code: ALTVISW
S$4K (2 mo.)16,800
DBS Altitude AMEX
Apply

Read More
Code: ALTMEXW
S$4K (2 mo.)25,800
Citi PremierMiles 
Apply

Read More
S$800 (2 mo.) & S$192.60 AF30,960
Citi Rewards
Apply

Read More
S$800 (2 mo.)16,320
💳 Income Req: S$50K
AMEX KrisFlyer Ascend
Apply

Read More
S$3K (3 mo.) & $337.05 AF41,100
💳 Income Req: S$120K
DBS Vantage
Apply

Read More
S$8K (2 mo.) & S$588.50 AF72,000
Citi Prestige
Apply

Read More
S$800 (2 mo.) & S$535 AF49,040
💳 Income Req: S$150K
SCB Visa Infinite
Apply
Read More
S$5K (1 mo.) & S$588.50 AF52,000
AMEX Platinum Charge*
Apply
Read More
S$20K (6 mo.) & S$1,712 AF128,125
*Official income requirement is S$200K, but applications with S$150K+ will be accepted

It’s important that you click the “read more” button for complete information about each sign-up bonus, including eligibility, exclusions and crediting timelines. 

A few points to note:

  • Some cards require you to pay the annual fee (AF) to enjoy the sign-up bonus; I’ve indicated which ones in the “total spend column”. If you don’t see an AF, it means you can enjoy the bonus with the first year’s fee waived
  • Most (but not all) of these bonuses will only be available for new-to-bank customers, and you can enjoy a new-to-bank bonus only once (i.e. if you apply for two cards from Bank A at the same time, you’ll only enjoy the bonus on the first approved card)
  • Being new-to-bank typically entails not holding any of the bank’s credit cards (as a principal cardholder) right now, or in the past 12 months. The exact definition may vary from campaign to campaign, so always refer to the T&Cs
  • You can only hold the AMEX KrisFlyer Ascend or AMEX KrisFlyer Credit Card

You will also need to decide whether it’s better for you and your partner to each sign up for a card, or for one of you to sign up and then give the other a supplementary card. 

  • If you’re confident that you and your partner can both hit the spending threshold, get one card each so you can double the bonus
  • If you think you’ll have difficulty hitting the spending threshold, then get your partner a supplementary card, so that his/her spending will pool with yours

(2) Category bonuses

If you’ve already maxed out the sign up bonuses above (or aren’t eligible for them), there’s no need to panic. You can still generate a lot of miles from the banquet with the following cards.

CardEarn RateCap
💳 Income Req: S$30K
HSBC Revolution
Apply
4 mpd on dining, travel, transport, groceries, S$1,000 per c. month
UOB Pref. Plat. Visa
Apply
4 mpd on contactless spendS$1,110 per c. month
UOB Lady’s Card
Apply
4 mpd on choice of bonus categoryS$1,000 per c. month
💳 Income Req: S$50K
UOB Visa Signature 
Apply
4 mpd on contactless spendS$2,000 per s. month
💳 Income Req: S$120K
UOB Lady’s Solitaire
Apply
4 mpd on choice of bonus categoryS$3,000 per c. month

A few points to note:

  • All of the cards above offer first year fee waivers, or don’t have annual fees (HSBC Revolution)
  • You need to declare “travel” as your quarterly bonus category on the UOB Lady’s or UOB Lady’s Solitaire card
  • You can only hold the UOB Lady’s Card or UOB Lady’s Solitaire
  • The 4 mpd cap on the UOB Visa Signature follows the statement month, while the 4 mpd cap on all the other cards follows the calendar month
  • You must spend at least S$1,000 per statement month to trigger the 4 mpd on the UOB Visa Signature
  • You must pay with contactless (card or phone) on the UOB Visa Signature, and mobile contactless (phone only) with the UOB Preferred Platinum Visa to earn 4 mpd. Don’t worry if they ask you to sign a payment slip; worry if they insert the card into the reader

Once you’ve got your cards, you’ll pay off S$11,220 of your banquet amount each month, earning 44,880 miles in the process. Repeat as needed until the full amount is paid off.

Monthly Banquet Payments
 🤵 Him👰 Her
UOB Pref. Plat. Visa
Apply
S$1,110S$1,110
UOB Visa Signature 
Apply
S$2,000S$2,000
UOB Lady’s Solitaire
Apply
N/AS$3,000
HSBC Revolution
Apply
S$1,000S$1,000
Total SpendS$4,110S$7,110
Total Miles16,44028,440
❓ What if my banquet is at a restaurant?

I’ve assumed that your wedding banquet will be at a hotel, but if you’re going for the restaurant route, you can still adopt the above strategy with a couple of modifications.

First, you’ll need to declare dining as your quarterly bonus category for the UOB Lady’s Card/ UOB Lady’s Solitaire.

Citi Rewards + Amaze
Apply

Second, you can add on the Citi Rewards + Amaze combination. Amaze turns all offline transactions into online ones, which clock 4 mpd on the Citi Rewards capped at S$1,000 per statement month.

Unfortunately, you cannot use Citi Rewards + Amaze if your banquet is in a hotel, because travel is excluded from 4 mpd on the Citi Rewards. 

How many miles can you earn?

Let’s look at two possible scenarios for the S$70,000 banquet spend. 

The first is that you leverage as many sign-up bonuses as possible:

CardAFTotal SpendTotal Miles
AMEX KrisFlyer AscendS$337.05S$3K41,100
AMEX Platinum ChargeS$1,712S$20K128,125
Citi PremierMilesS$192.60S$80030,960
Citi PrestigeS$535S$80049,040
DBS VantageS$588.50S$8K72,000
Total (1 pax)S$3,365S$32,600321,225
Total (2 pax)S$6,730S$65,200642,450
Note: Apply for Citi PremierMiles first, then Citi Prestige. Citi Prestige bonus is for existing customers as well, Citi PremierMiles is for new-to-bank only

Assuming you and your partner both get the cards above, you’ll generate 642,450 miles from S$65,200 of spending. The remaining S$4,800 can be put on 4 mpd cards for 19,200 miles, which means a total haul of 661,650 miles. However, you’ll also pay a hefty S$6,730 on annual fees, which might not be the best use of your money. 

Moreover, there’ll be a lot of duplication: the AMEX Platinum Charge (review), Citi Prestige (review) and DBS Vantage (review) come with some very nice benefits, but owning all three is probably overkill. 

If you want to minimise fees, I’d propose the second scenario:

CardAFTotal SpendTotal Miles
AMEX KrisFlyer Credit CardN/AS$2K26,200
DBS Altitude AMEXN/AS$4K25,800
Citi RewardsN/AS$80016,400
Citi PrestigeS$535S$80049,040
Total (1 pax)S$535S$7,600117,440
Total (2 pax)S$1,070S$15,200234,880
Note: Apply for Citi Rewards first, then Citi Prestige. Citi Prestige bonus is for existing customers as well, Citi Rewards is for new-to-bank only

This will give you 234,880 miles from S$15,200 of spend, and the remaining S$54,800 can be put on 4 mpd cards for 219,200 miles, yielding a total of 454,080 miles and S$1,070 of annual fees (2x Citi Prestige cards).

A pair of round-trip Business Class tickets to Europe cost 414,000 miles, so that’s pretty much the honeymoon settled. 

Conclusion

The wedding banquet is likely to be the most expensive component of your wedding, but can also be a great source of miles. It does pay to sit down and plan out when your instalment payments are due, when you’ll need to apply for each card, and how you’re going to split the amounts between cards.

It takes some doing, but is far from rocket science. And hey, wedding planning is a one-time exercise right?

Right?

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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Jenn

Thanks for the great article. Any tips on miles strategy for other wedding expenses such as bridal packages/gown rental?

That’s life

Thanks for the comprehensive write up analysis. Well…. Too late for me… 10 years late. 😛

SSS

Our your second marriage…

Thomas

If you apply for all these cards before your wedding, you may get two free business class flights but you’re definitely not gonna get a home loan to buy your HDB or condo the following 1-2 years lol

Ah long

That’s only if your credit score is already trash

Last edited 1 month ago by Ah long
Bruno

If you get the IPG payment link from Shangri-La Orchard, it counts as online hotel!
Great for 5K 3mpd on the Altitude or 2K 4mpd on the WWMC

mongoose

I applied for a DBS WW, and have been asking the hotel to give me online payment links (my idea was to make it an “online” txn to earn 4mpd). Would that work? I hope the 3XXX hotel MCCs are not excluded from DBS WW…

Just Married

You should not max out all your other credit cards as you need them in your daily expenses.

If your hotel has an online payment gateway and allows banquet instalments (i know Andaz and some marriott ones does), DBS Altitude Card gives you 3mpd for online hotel up to 5k per month , individually for both amex & Visa, so thats 10k expense, 30k miles per person , adding your partner thats 20k cost /60k miles in total , do that for 3 months you should cover your banquet easily

Last edited 1 month ago by Just Married

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