22 Dec 2019
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Pang Zhe Liang
22 Dec 2019
Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)
It depends on your needs and spending.
If you love travelling and don't mind delayed gratification, then go for miles card. Additionally, some miles cards allow you to pay for your purchases by using the miles (more often than not, it is not worth it). As as result, the card is highly specialised for travel usage.
For this purpose, you may consider Citi PremierMiles card.
On the other hand, if you prefer money and instant gratification, then go for cashback card. In essence, it works as simply as it should be - you spend money, and you receive a percentage back. As usual, the more you spend, the more cashback you get in return as well (not just limited to miles card).
For this purpose, you may consider Standard Chartered Unlimited Cashback card.
Personally, I rank cashback over miles (despite the fact that I travel quite a bit). And I own both cards (cashback and miles) as part of my budgeting and accounting - each card serves different purposes.
Here is everything about me and what I do best.
On top of Amex True Cashback and SC Unlimited, there is also HSBC Advance at 1.5% (+1% if you have a...
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Fcb - not super good but no min. spend.