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Anonymous

27 Nov 2022

∙

Which Credit Card Should I get?

I'm banking with

OCBC, DBS, SCB

I'm looking into rewards card that can be converted to miles without much exclusions. (e.g citi rewards excluding points for travel-related expenses)

OCBC, 90 degree

UOB, Privi Miles

UOB, Platimum preferred

DBS, Womens world

let me know which should I get

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Minnie

12 Dec 2022

Agree with HSBC revolution which gives 4mpd. You can also use citi rewards with an amaze card, citi rewards only gives 4mpd on online transactions and the amaze card converts all your offline spending into online spending.

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thefrugalstudent

29 Nov 2022

Founder at thefrugalstudent.com

Among these, I personally use UOB PPV, and I think it's the best among the bunch.

OCBC 90 only earns 1.2 mpd, which is quite sad and it will take you forever to earn substantial amount of miles.

The same goes for UOB PRIVI miles, which is only slightly better at 1.4 mpd.

DBS WWMC earns 4 mpd on online spend, and has a monthly cap of $2k which is nice, but the biggest turn off is that the points are only valid for 1 year.

UOB PPV earns 4 mpd on almost all mobile contactless payments and some online payments like shopping and food delivery. Points are valid for 2 years. But do note that it also doesn't earn 4 mpd on online travel expenses.

Another great card you can consider is HSBC Revolution. It earns 4 mpd on a lot of contactless payments transactions and online transactions (including travel) and points are valid for 3 years.

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SH

27 Nov 2022

Dbs...

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