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Vernice Ng

Community Manager at Seedly

23 Aug 2023

∙

Question from the community: Hi all, would like to seek advice on getting a credit card.

I am a fresh graduate earning around 5k~/month (before CPF). I have an existing student loan that I will start paying in Dec (around 30k~) while also aiming to get miles at the same time.

Any recommendation for a good credit card to collect miles while paying student loans (if it is possible?) and also for insurance/savings payments? Is it possible to get miles from such payments as well?

Appreciate the advice!

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Chin Guo Qiang (ITIL4 / CSPO / CSM)

Edited 18 Sep 2023

Assistant Vice President, IT Operations at Bank of China Limited

For starters, student loans I doubt can get miles, most credit card providers will state as exclusion in the T&Cs.

As for Insurance payments, can use facilities like CardUp and AXS to aggregrate the miles (for a modest fee, which might defeat the purpose of miles collection, unless the additional cost is worth the miles).

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Hui Juan

Edited 04 Sep 2023

Content Manager at Seedly

Hey, you can check out this article regarding the payment methods to use insurance and miles: https://blog.seedly.sg/pay-bills-with-credit-card/

Don't think there's any card out there that allows you to pay loans while getting miles in return though.

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Emma

29 Aug 2023

Hi!! check this out for credit cards to gain miles :)) my family uses the krisflyer amex card, it's pretty good!! not sure about the student loans part though!

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Ian

27 Aug 2023

Maybank Plat for insurance. For student loans, I doubt that there are much options for that.

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Seedname

27 Aug 2023

UOB lady for 6 miles...

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