Which is the best credit card to accumulate miles?

Hi I’m a fresh graduate who is looking to get a credit card to accumulate miles for future travel.

I’m looking at the AMEX Air Miles Krisflyer card and the Citi PremierMiles card. Could I know which one is better to accumulate miles and also, which makes more sense financially for a fresh graduate?

I’m leaning to the Citi PremierMiles card because of their CityPayAll feature which allows me to earn miles on rent, condo management fees, school fees, taxes and bills. Any info on this service?

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Nicholas Beh

02 Oct 2021

Student Ambassador 2020/21 at Seedly

There is no "best" miles credit card. It really depends on your spending habits!

The two cards you mentioned are often referred to as "general spend" cards, which typically award a fixed number of miles for every dollar of spend. Alternatives include DBS Altitude, UOB PrviMiles and more. Mile earn rates normally top out at 2mpd for these cards.

However, there are cards out there that award higher mile earn rates, depending on the type of spending that you make. This will require more effort on your part as you would need to determine which card to use for each type of transaction. A good reference is this article on The Milelion. Personally I use the Citi Rewards card which earns 4mpd on online spend, capped at $1,000 per month.

There are also other things to take into consideration, such as the expiry of points/miles, redemption block size and annual fees.

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