Guidance on credit card

Hi all! On a per month basis, I spent about $2-3k online shopping for furnitures(castlery, picket&rail, fortytwo), grab rides ~$600/month, phone bill TPG$10, pulic transport bus/mrt ~$100, dining and fairprice~$300, insurance between $100-$400 and an annual premium +$1000. I'm currently using Citi cashback but the montly return is <$10, it used to reach $40-60. I'm considering to collect air miles now hence will cancel the citi cashback. I've looked into DBS Altitude, Citi Rewards and Citi PremierMiles. What is the best credit card based on my needs? Appreciate any tips! Thank you

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Tianshu Dai

08 Dec 2021

$40-60 rebate roughly means 4k-6k miles earning. and 48k -72k miles annually. Based on your daily usage. I think the Citi miles card is better for you.

Here's a comparison between the UOB miles card(Which is very similar to DBS's one) and the Citi miles card for your reference.

https://seedly.sg/posts/which-miles-card-is-bet...

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Eveline Lau

02 Dec 2021

The Frugal Student has covered most of the basic cards except the following:

UOB Lady's (Solitaire) card

Given that your expenditure is so high, I'm pretty sure you can qualify for the Soltaire version. It has a cap of $3k/month, which is way higher than other cards. UOB also allows pooling of points/miles so you don't have to pay too much fees when transfering the miles to the airline account.

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thefrugalstudent

02 Dec 2021

Founder at thefrugalstudent.com

Online shopping: UOB PPV, HSBC Revolution, Citi Rewards, DBS WW

Grab rides (pay via cc): UOB PPV, H...

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