It may come as a surprise that DBS was a relatively late entrant to the S$120K segment. The DBS Vantage Card only launched in June 2022, and with rivals having many more years to build up a customer base, it was always going to be playing catch-up.
So it needed to start strong, and start strong it did, with a generous 80,000 miles sign-up offer, a limited-time 4 mpd on dining and petrol, an Accor Plus membership and 10 lounge visits.
But fast forward to today, and things are a lot less rosy. There hasn’t been a welcome offer in more than a year, and the option to waive the annual fee with S$60,000 in annual spend was recently removed. As a result, applying for — or renewing — the DBS Vantage Card now feels more marginal than ever.
 DBS Vantage Card |
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| 🦁 MileLion Verdict | |
| ☐ Take It ☑Take It Or Leave It ☐ Leave It |
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| What do these ratings mean? |
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| With no welcome offer in more than a year, and annual fee waivers no longer possible, getting (or renewing) a DBS Vantage Card feels like a marginal proposition. | |
| 👍 The Good | 👎 The Bad |
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| Full List of Credit Card Reviews | |
Overview: DBS Vantage Card
Let’s start this review by looking at the key features of the DBS Vantage Card.
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| Apply | |||
| Income Req. | S$120,000 p.a. | Points Validity | 36-39 months |
| Annual Fee | S$599.50 |
Min. Transfer |
5,000 DBS Points (10,000 miles) |
| Miles with Annual Fee |
25,000 | Transfer Partners |
4 |
| FCY Fee | 3.25% | Transfer Fee | S$27.25 |
| Local Earn | 1.5 mpd | Points Pool? | Yes |
| FCY Earn | 2.2 mpd | Lounge Access? | 10x |
| Special Earn | N/A | Airport Limo? | No |
| Cardholder Terms and Conditions | |||
The DBS Vantage Card comes in metal cardstock, and weighs 10g. That makes it one of the lighter metal cards on the market, if that sort of thing is important to you.
Although it’s made of metal, the card still has contactless capability, enabled by the much-maligned slit near the chip on the front (which is actually an embedded antenna). Alternatively, you could add it to Apple, Google or Samsung Pay, and tap your phone to pay at contactless terminals.
How much must I earn to qualify for a DBS Vantage Card?
The DBS Vantage Card has a S$120,000 p.a. income requirement, and DBS enforces this very strictly.
How strict? For starters, you won’t even be able to see the DBS Vantage Card on the DBS/POSB card application portal if your income records with DBS reflect earnings of less than S$120,000. You’ll need to update your income records before you can apply.
Therefore, if you haven’t hit the magic S$120,000 figure yet, I wouldn’t be too optimistic about getting approved.
What welcome offers are available?
At the time of writing, the DBS Vantage Card is not offering any welcome bonus.
The most recent promotion, which ended on 30 June 2025, offered new-to-bank customers 60,000 bonus miles with a minimum spend of S$4,000. For existing DBS customers, you’d have to go back even further, as the last welcome offer of 40,000 bonus miles for S$4,000 spend was in January 2025.
How much is the DBS Vantage Card’s annual fee?
| Principal Card | Supp. Card | |
| First Year | S$599.50 | Free |
| Subsequent | S$599.50 | Free |
The DBS Vantage Card has an annual fee of S$599.50 for the principal cardholder, and no fee for supplementary cards.
DBS used to offer an annual fee waiver from the second year onwards to cardholders who spent at least S$60,000 in a membership year, but this was discontinued on 1 August 2026.
In short, you have to pay the annual fee every year, period. Paying the annual fee gets you 25,000 miles, equivalent to buying miles at ~2.35 cents each. While that sounds much higher than what a mile should be worth, you can’t take that figure in isolation, since it’s necessary to factor in the other benefits of the card too.
How many miles do I earn?
| 🇸🇬 SGD Spending | 🌎 FCY Spending | ⭐ Bonus Spending |
| 1.5 mpd | 2.2 mpd | N/A |
SGD/FCY Spending
DBS Vantage Card cardholders earn:
- 3.75 DBS Points for every S$5 spent in SGD (1.5 mpd)
- 5.5 DBS Points for every S$5 spent in FCY (2.2 mpd)
The DBS Vantage allows cardholders to switch between earning DBS Points or cashback, but I’m ignoring the latter because it values your miles at a poor 1 cent each. Seriously, there’s no need to ever dabble in that.
These earn rates are better than the Citi Prestige and OCBC VOYAGE, though the UOB Visa Infinite, Maybank Visa Infinite and StanChart Visa Infinite can comfortably beat it for overseas spend — assuming you meet the minimum spend on the latter two.
It should also be noted that the DBS Vantage does have a more favorable rounding policy than Maybank, OCBC and UOB, which means fewer lost points on smaller transactions (contrary to popular belief, does not award points in S$5 blocks — see below).
| 💳 Earn Rates for S$120K Cards (Sorted by Sum of Local and FCY Earn Rates) |
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| Card | Local | FCY |
 StanChart Visa InfiniteApply |
1.4 mpd# | 3 mpd# |
 Maybank Visa InfiniteApply |
1.2 mpd | 3.2 mpd@ |
 UOB Visa Infinite Metal CardApply |
1.4 mpd | 2.4 mpd |
 DBS Vantage CardApply |
1.5 mpd | 2.2 mpd |
 OCBC VOYAGEApply |
1.3 mpd | 2.2 mpd |
 Citi Prestige CardApply |
1.3 mpd^ | 2 mpd^ |
 HSBC Visa Infinite |
1 mpd | 2 mpd |
 AMEX Platinum ReserveApply |
0.57 mpd | 0.57 mpd |
| #With minimum S$2K spend per statement month. Otherwise 1 mpd @With minimum S$4K spend per calendar month. Otherwise 2 mpd ^Additional 0.02 to 0.12 mpd awarded based on tenure with bank |
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Bonus Spend
Unfortunately, the DBS Vantage Card has lacked a bonus earn category ever since the introductory 4 mpd rate for dining and petrol ended in December 2022. Since then, it’s only returned once, and even then on a limited-time basis for targeted cardholders.
Likewise, the 6 mpd bonus rate for Expedia flights and hotels ended on 31 March 2024 (along with the DBS Altitude), and has not been renewed.
What is the FCY transaction fee?
All FCY transactions are subject to a 3.25% fee, which is on par with the rest of the market.
| 💳 FCY Fees by Issuer and Card Network |
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| Issuer | ↓ MC & Visa | AMEX |
| Standard Chartered | 3.5% | N/A |
| American Express | N/A | 3.25% |
| Citibank | 3.25% | N/A |
| DBS | 3.25% | 3.25% |
| HSBC | 3.25% | N/A |
| Maybank | 3.25% | N/A |
| OCBC | 3.25% | N/A |
| UOB | 3.25% | 3.25% |
| BOC | 3% | N/A |
| CIMB | 3% | N/A |
With a 2.2 mpd earn rate and a 3.25% FCY fee, using your DBS Vantage Card overseas represents buying miles at 1.48 cents apiece. It’s not the worst possible rate out there, but there are many cards I’d sooner use for overseas spending than this one.
When are DBS Points credited?
DBS Points will be credited when your transaction posts, which generally takes 1-3 working days.
How are DBS Points calculated?
Some people get concerned when they read that DBS Points are awarded in S$5 blocks. That’s understandable, given how Maybank, OCBC and UOB’s S$5 earning blocks result in lost miles from rounding, especially for smaller transactions (spend S$4.99? No points for you!).
The good news is that DBS’s calculations aren’t nearly as punitive. Here’s how you can work out the DBS Points earned on your DBS Vantage Card.
| Local Spend | Divide transaction by 5 and multiply by 3.75. Round down to the nearest whole number |
| FCY Spend |
Divide transaction by 5 and multiply by 5.5. Round down to the nearest whole number |
Notice how the transaction is not rounded down to the nearest S$5; instead, it’s divided by 5 straight away. This means the minimum spend to earn points is:
- S$1.34, if spending in SGD
- S$0.91, if spending in FCY
If you’re an Excel geek, here’s the formulas you need to calculate:
| Local Spend | =ROUNDDOWN ((X/5)*3.75,0) |
| FCY Spend |
=ROUNDDOWN ((X/5)*5.5,0) |
| Where X= Amount Spent |
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For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
What transactions aren’t eligible for DBS Points?
You can find the full list of exclusions in the DBS Rewards T&Cs (Point 2.8).
I’ve highlighted a few noteworthy categories below:
- Amaze transactions (not that you could pair the DBS Vantage with Amaze anyway, since it’s a Visa card)
- Charitable donations
- Education
- Government services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages)
- Hospitals
- Insurance
- Real estate agents and managers
- Top-ups of prepaid accounts e.g. GrabPay and YouTrip
- Utilities bills
CardUp transactions are eligible to earn DBS Points. However, they do not count towards the minimum spend required for welcome offers.
What do I need to know about DBS Points?
| ❌ Expiry | ↔️ Pooling | 💰 Transfer Fee |
| 3 years | Yes | S$27.25 per conversion |
| ⬆️ Min. Transfer | ✈️ No. of Partners | ⏱️ Transfer Time |
| 5,000 DBS Points (10,000 miles) |
4 | 1-3 working days |
Expiry
DBS Points earned on the DBS Vantage Card expire in three years, though technically speaking, points expire at the end of the quarter they were earned. Therefore, the actual validity is 36-39 months.
| DBS Points Earned Between | DBS Points Expiry Date |
| 1 Jan – 31 Mar 2025 | 31 Mar 2028 |
| 1 Apr – 30 Jun 2025 | 30 Jun 2028 |
| 1 Jul – 30 Sep 2025 | 30 Sep 2028 |
| 1 Oct – 31 Dec 2025 | 31 Dec 2028 |
The fact that points expire at all is disappointing, since DBS Points earned on the entry-level DBS Altitude Card never expire.
That said, I personally don’t consider non-expiring points to be a big factor in deciding whether or not I get a card, since you get an additional three years validity once they’re converted into KrisFlyer miles anyway.
Pooling
DBS Points pool across cards for the purposes of redemption. If you have 10,000 DBS Points on the DBS Vantage Card and 5,000 DBS Points on the DBS Woman’s World Card, you can redeem 15,000 DBS Points at one shot and pay a single conversion fee.
However, DBS Points are not pooled when it comes to card cancellations. If I have a DBS Vantage Card and DBS Woman’s World Card and decide to cancel the former, I’ll need to transfer my points out before cancelling or forfeit them.
Partners and Transfer Fee
DBS offers four frequent flyer partners, but in reality it’s more like three, since AirAsia Rewards offers relatively poor value and is generally best avoided.
| Frequent Flyer Programme | Conversion Ratio (DBS Points: Miles) |
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5,000: 10,000 |
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5,000: 10,000 |
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5,000: 10,000 |
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500: 1,500 |
A minimum conversion of 10,000 miles is required. Transfers cost S$27.25 each, regardless of how many points are transferred.
The DBS Vantage, surprisingly, is not eligible for DBS’s “auto conversion programme” (I initially thought it was an oversight, but DBS’s comms team has told me that’s how it should be).
The auto conversion programme automatically converts DBS Points to KrisFlyer miles each calendar quarter in blocks of 500 points, for a flat fee of S$43.60 per membership year. This reduces the minimum transfer block from 10,000 miles to 1,000 miles, but has the downside of starting the three-year expiry on your KrisFlyer miles early.
How does the DBS KrisFlyer Miles Auto Conversion Programme work?
However, because DBS Points pool, you can sign up for the auto-conversion programme on a participating card (Altitude, Insignia, Treasures Black Elite), and use it as a conduit to automatically convert DBS Points earned on the Vantage Card.
Transfer Times
DBS quotes a points conversion time of 1-2 weeks, but transfers are usually completed much faster:
- KrisFlyer: 1-3 working days
- Asia Miles and Qantas: 5 working days
If you need your points credited instantly, you can do so via Kris+. 100 DBS Points can be instantly transferred to 170 KrisPay miles, which can then be converted to KrisFlyer miles at a 1:1 ratio with no fees.
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| S$5 for new Kris+ Users |
| Get S$5 when you sign-up with code W644363 and make your first transaction |
However, those 100 DBS Points would normally have earned you 200 KrisFlyer miles, so you effectively take a 15% haircut. Therefore, I wouldn’t recommend taking this option, unless you need a small top-up to redeem a flight, or have an orphan DBS Points balance (<5,000 points).
If you choose to do so nonetheless, do remember that it’s a two-step process:
- Transfer DBS Points to KrisPay miles
- Transfer KrisPay miles to KrisFlyer miles
Do not forget the second step! If you wait more than 21 days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a relatively poor value of 100 miles = S$1.
Other card perks
10 free lounge visits
Principal DBS Vantage Cardholders are entitled to 10 complimentary Priority Pass visits per year.
This allowance is tracked by membership year, based on when you applied for their Priority Pass (if you delayed applying for your Priority Pass after getting the Vantage, the two membership years may be out of sync).
Lounge entitlements can be shared with one or more guests. For example, the cardholder could bring his wife and use two visits, or bring three family members and use four visits. Once the free visits are finished, you’ll be charged US$35 per additional visit.
I used to say that 10 lounge visits was not competitive enough for a card in this segment, but with the Citi Prestige and UOB Visa Infinite Metal Card losing unlimited lounge visits, and the HSBC Visa Infinite closed to new applications, it now fares better.
| 💳 Airport Lounge Benefits (Income Req.: S$120K) |
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| Card | Free Visits (Per Year) |
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| Main | Supp. | |
 HSBC Visa Infinite |
∞ | ∞ (up to 5x cards) |
| OCBC VOYAGE Apply |
∞ | 2 CY No Share |
| Citi Prestige Card Apply |
12 CY Share |
N/A |
| UOB Visa Infinite Metal Card Apply |
12 MY Share |
N/A |
| DBS Vantage Card Apply |
10 MY Share |
N/A |
| StanChart Visa Infinite Apply |
6 MY Share |
N/A |
| Maybank Visa Infinite Apply |
4 MY No Share |
N/A |
| AMEX Platinum Reserve Apply |
N/A | N/A |
| Legend | ||
| Whether visits are tracked by calendar year CY or membership year MY Whether lounge visits can or can’t be shared with guests Share No Share |
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Complimentary ALL Accor+ Explorer membership
Principal DBS Vantage Cardholders receive a complimentary ALL Accor+ Explorer membership.
ALL Accor+ Explorer — previously known as Accor Plus — underwent a major revamp in October 2025, where the maximum dining discount was reduced to 30%, and a minimum requirement of one paid night added to Stay Plus certificates.
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| Accor Plus | ALL Accor+ Explorer | |
| Stay Plus | No paid night required | At least one paid night required |
| Dining Discount | Up to 50% off | Up to 30% off |
| Drinks Discount | 15% off (Asia only) |
15% off (Asia Pacific) |
| Status Nights | 20 | 30 |
| Status Renewal* | Yes | No |
| Hotel Discount | 10% off (lowest rate, Asia Pacific) |
15% off (best flexible rate, worldwide) |
| *When purchasing or renewing Accor Plus, status was assessed using the higher of year-to-date or previous year activity, allowing members to extend status based on last year’s activity. With ALL Accor+ Explorer, status is reviewed strictly at year-end, removing this possibility | ||
A membership now retails for S$299, and includes:
- Two Stay Plus free nights across Asia Pacific and the UAE (buy one night, get one night free)
- Up to 50% off member exclusive room rates with Red Hot Room offers
- 15% off Accor hotel stays worldwide
- 30% off dining across Asia Pacific and the UAE for up to 10 pax
- 15% off drinks across Asia Pacific and the UAE
- 30 status nights each year
The two Stay Plus certificates can certainly save you money, though it’s now become a BOGO (buy one, get one) offer rather than a free night per se. For what it’s worth, the more expensive of the two nights will be free.
Also, the 30 status nights are sufficient for Gold status, though you need to moderate your expectations because most of its benefits — including room upgrades, early check-in and late check-out — are subject to availability.
Visa Infinite benefits
As a Visa Infinite card, DBS Vantage Cardholders enjoy the following additional perks, provided by Visa.
For more information on how these work, refer to the post below.
Summary Review: DBS Vantage Card
| DBS Vantage Card Apply |
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| 🦁 MileLion Verdict | |
| ☐ Take It ☑Take It Or Leave It ☐ Leave It |
Is the DBS Vantage Card still worth it?
Well, in the absence of a welcome bonus, both new and renewing cardholders face the same proposition of paying S$599.50 for:
- ALL Accor+ Explorer membership
- 25,000 miles
- 10x lounge visits
An ALL Accor+ Explorer membership retails for S$299, and 25,000 miles are worth roughly S$375 (based on 1.5 cents per mile), so on paper, you’re already coming out ahead even before considering the lounge visits.
Still, it doesn’t feel particularly compelling, especially when you could pay S$50 more and get a Citi Prestige with 7,000 more miles, two more lounge visits, complimentary airport limo rides, and the 4th night free on hotel stays. And with the spend-based path to an annual fee waiver no longer available, the Vantage is now weaker than its ever been before.
So that’s my review of the DBS Vantage Card. What do you think?
Can the Priority Pass allowances all be used in one go? Might come in handy at the PP restaurants/bars in places like SYD or MEL where a normal PP+Guest allowance ends at $72 (or zero for AmEx PP). Even handier if they did takeaway bottles…
Rule: 1 boarding pass = 1 PP swipe. the places which offer dining credit will follow this rule strictly, it’s part of the PP audit process. if you have 2 bp you can use 2 pp swipes etc.
PP T&C are not very clear when it comes to guests: they kind of say that it’s a lounge-based approach but then I could not spot the guest logo for the lounges I’ve looked up on PP website. Do you have more clarity on that, as in, 1 guest is always 1 additional swipe and, as long as I have not exhausted my credit card-sponsored PP allowance, I am good to go?
Hi Aaron
Thanks a lot for this, very helpful as always! Just to check on the below statement under “SGD/FCY Spending“, should it be “1 DBS point is worth 2 miles…” instead?
“5 DBS points are worth 2 miles, so that’s an equivalent earn rate of 1.5 mpd for local spending, and 2.2 mpd for FCY spending.”
fixed that, thanks.
Having just used the Citi Payall for my tax and also paid the annual fee, I’m struggling to see a reason to get this card as well.
That’s your problem, to me this card has little to do with annual fee/tax. So try better next time
Updated my income records (~100k) when applying for Woman’s World recently, was able to see the Vantage Card in the portal and received instant approval…so just a data point for reference.
hi aaron, do you know if the yearly renewal comes with the accor plus membership too?
the answer is in the article
Already spent all my AF budget on AMEX Plat Charge lol
Do u think it makes sense to apply for AMEX Plat Charge just for benefits (And fringe usage like card of last resort for hospitals etc, 10x accelerator purchases). And use DBS Vantage for everything else.
Not the most efficient of course but lazy to track across too many cards.
Anyone knows if DBS tax facility qualifies for the 8K? Not direct to IRAS.
Got a similar query too. The expenses exclusion applies for DBS points that’s something we all established.
But how about the $8k spending for the bonus miles. Can this be in any category?
Meaning to say, lets ignore the fact that it’s not economical miles wise to do so, but can you just spend $8k on hospital bills, don’t get the DBS points but meet the spending requirement for the bonus miles?
Hi, can I n ow of the Accor free night is only available for Asia hotel? Can I use it in Europe?
Asia is where you can find the most free hotel stays. No free night in the US just for reference. Europe might be similar too
By the way what’s the mpd of this card?
literally the first few things mentioned at the top of the article
lol
Looks like this is a close fight with OCBC Voyage. Could you please share just between Vantage vs Voyage which one is better? TIA
Vantage is better, cos DBS is sponsoring these…
Understand insurance doesnt earn miles but can it qualify for the 8k spending for bonus miles?
Got the card. Got my Accor Plus membership. It’s impossible to find any availability for the free 1 night (Accor Plus Stay Plus) anywhere. If you thought SQ Saver miles redemption is difficult, this looks like 10x more difficult. Strange why they make it so difficult as they charge 420 SGD for this.
agree, and actually can get a free room lower than $100, price above this either it is not available or you need to compensate
used this in Bangkok within the last 2 years, and was able to get 1 free night stay easily
Is the VTMILES code still applicable if I’ve submitted the income update earlier?
Think I have found the answer in TnC on 8 July 2022 10am. Weird that bank doesn’t proceed my income update request but adjusted based on my credit limit review request. I updated my income to apply for the DBS Vantage Card. However, I have missed the Up to 80,000 Miles Sign-Up Promotion. Do I have to call in for an extension? The promotion will be automatically extended to you if you have updated your income between 23 June to 27 June 2022 to apply for the DBS Vantage Card. You need not contact us to register. This promotion extension… Read more »
I applied under the original offer for 80k miles which stated I had to be approved by July 11th. I was only approved today. Do you know if I’m still eligible?
Can confirm that it is shown on ibanking for 100k-ish annual income as well. Instant approval.
Understand Cardup (non rent) is being confirmed with DBS whether it will be considered as part of the 8k spending. What about rent via Cardup? Also ipaymy.com?
Hi Aaron, Since DBS Altitude has a auto conversion annual programme for flat fee and since vantage card points pools, does it mean the miles we earn on vantage card will auto convert to KF if we are on the Altitude auto conversion programme?
Will miles be accumulated if I use the DBS Vantage Card to make a payment through the Kris+ app? I see that only Amaze transactions have been excluded?
I’ve made some payments with Kris+ and they earned DBS points.
So just want to check, for the promo on the spending of 8K in 60 days part, does it to have to be the type that qualifies for points? Or can I literally just charge to my grabwallet and transfer back?
Could I check if you have the exclusions for the signup bonus before 1 Oct?
I met the criteria in Aug, and the customer services said it takes 120-150 days for miles to be credited. This is part of the terms and conditions. Just wondering, did anyone receive the Vanmiles reward miles or is everyone still waiting?
Same question as Gina, anyone received their miles yet?
Any idea if they are still going to give 4mpd on dining and petrol in 2023?
We will find out tomorrow!
It’s been removed from website.. Sad
Sad; Won’t be using the card much now.
Hi All,
I had spoken to DBS CSO, and it seems that Cardup payments are excluded from the $8K minimum spend in the first 2 months.
I thought this was mentioned before that Cardup was included and i also cant find any exclusion in the terms as well.
Is anyone facing the same issue or gotten your Cardup transactions included as part of the minimum spend?
Thanks.
cardup payments for rent are included in min spend, per my discussions with dbs. other cardup is not included for sign up bonus spend, but will still earn regular points
Thanks Aaron for the clarification.
Jumping on this thread to clarify, if Government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages) are not eligible for DBS Points does paying our IRAS Income Tax with the DBS Vantage card thru Cardup make any difference, ie earn 1.5mpd on our income tax payments?
you will earn 1.5 mpd on tax payments via cardup
Can this be used to earn 1.5mpd with simplygo?
The app supporting the card is hopeless. No visibility on points earned, cannot administer and no accrual of spending until the end of the statement period. Literally have to subtract the balance from your limit to figure out spending. Aministering the card and points in my view are key to a product that costs this much
Hi Aaron, thank you for your detailed analysis. Enjoyed it 🙂
Will it be fair to say that aside from the elite ($500k) cards, Vantage is next best to rake up miles with Cardup, given 1.5 MPD and no limit placed on its miles earnings, esp with income tax and mortgages as the target items?
Hello Aaron! I read on DBS Vantage’s T&Cs that “payments made to CardUp, FavePay, iPaymy and SmoovPay are also subject to the exclusions listed in Clauses 11 (a) to 11 (n) above”. Does this mean that we can’t use DBS Vantage for 1.5 mpd for our insurance payments through CardUp anymore?
you will still earn base miles. however, such trxns will not count towards min spend for sign up bonuses
I think this card is way underrated. Frankly if you don’t have petrol spending, and this is your main CC so that you are spending more than 60k/year (can be achieved quickly if you pay Rent/Tax with third party service like Rent hero/CardUp) and all big expenses for your family, then I don’t see a better card. You basically don’t pay annual fees, having the highest mpd rate (excluding UOB lady’s card of course) and if you don’t travel more than 4/5 times per year you can have enough lounge access… The Accor package allows you to have a complementary… Read more »
Do you work for DBS? You used Accor free night in a $500 worth room? I’d say that’s a lie. I’ve been using this card for 3 years and I have never seen any free room more than $150 value. Most of the rooms are only available on weekdays only. And pay rent with carup or rent hero? Let’s use rent hero, the lower 1.7% fee among two, for example. Only if u pay 2000sgd per month, the fee is 408 sgd per annum. Equivalent to you annual card fee.. so how is this underrated???
Using your numbers of monthly rental, 2k*12+408 = $24408 spending gives you 36612 miles. Even at a very conservative 1.1cpm cost, that breaks even with the $408 of cardup fees already.
This card is also definitely a no Brain for me, just like the prestige as well. More than happy to pay $599 here and $545 there each year.
Just book 1 hotel in Hong Kong worth $300+ per night for 2
Suggest to rewrite tbis to emphasize earlier the different and friendlier rounding policy compared to DBS Woman’s World. I did not understand tbe rounding policy in the preceding version of this article.
Also, CardUp is underemphasized here. If you are paying income tax on $300,000 annual income via CardUp or you are paying income tax plus rent via CardUp, a high earner can readily get a fee waiver with a lower cost per mile.
Hi What do you mean by “get a fee waiver with a lower cost per mile”? I thought the article states that fee waiver with 60k spend means no renewal miles? Essentially the fee waiver route just gets the Accor Plus (10 lounge visits are not very useful if I have other PP-unlimited cards) right?
I have cut it up after a year. The annual fee simply isn’t worth it.
can check for subsequent years does spending 60k on cardup and ipaymy considered as fee waived or must it be only use on retail spend?
i know for a fact it does for cardup, so i’ll assume it does on ipaymy too. I’ve not paid annual fee since the first year i paid when it launched. these days i use it almost exclusively for cardup. no 25k bonus miles, but i still get my annual 10x priority pass and accor plus renewed(including the 1 night free)
Do you know if payment for IRAS via cardup will contribute to the min spend of 60k for fee waiver?
I think for those who are looking to apply this card should be advised that Accor Plus Explorer membership for the free hotel stay are only worth like $100+ as most availability are for Ibis hotel… Premium hotel such as fairmount/sofitel & etc are NOT available 98% of the time. Even when theres available date, it would be on a weekday. rarely a friday pop out with additional charge YOU HAVE TO PAY (*Research basis in SG only)
Do you know if miles points will be awarded for using Cardup together with DBS Vantage Card for IRAS income tax and property tax payment ?
On free Accor Plus, I think it does not come with dining vouchers that come with purchased membership. No experience with the free membership from Vantage card. Just drawing a parallel to free membership that came with Amex travel insurance.
Hi can you do a review of UOB Visa Infinite Private card?
as far as i’m aware, no such thing exists.
Oh but it was posted in another article by yourself
https://milelion.com/2026/07/16/visa-launches-new-visa-infinite-privilege-and-visa-infinite-private-tiers/
Yeah, but the card doesn’t actually exist yet