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Anonymous
What are some factors to look out for in determining the type of credit card to get?
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Citi Prestige card with it's 4th night free. It basically paid for itself.
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Elijah Lee
07 Feb 2020
Senior Financial Services Manager at Phillip Securities (Jurong East)
Hi anon,
The best part of the HSBS VI is the 35000 welcome miles, but other than that, the card rem...
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For me it is the versaitility of the gifts /benefits. If the sign up gift is restricted to hotel stays, it is difficult to enjoy the full benefits unlike airmiles which is more liquid because you can choose the destination you are going. Of course if there is cash back at the same value of airmiles (conversion rate of 1.8 cents to mile); this is even better.
That said i agree with elijah that the SBC sign up miles benefit is better because it does not limit your accomodation that much (you got freedom of choosing other accomdation choices with no restrictions that if you can cel the card, you lose the benefits)