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Aaron Wong

Travel better for less

Aaron Wong

Founder at The Milelion

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Aaron Wong

Founder at The Milelion

  • Answers (69)
  • Questions (2)
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MileLion

Credit Card

Miles

Travel

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 2w ago
Unless you have elite status with Cathay, there's very little you can do to goose the waitlist. The key here is to be flexible- try looking for Star Alliance options (eg Air Canada, United) which you can redeem with your KrisFlyer miles.

MileLion

Travel

Miles

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 2w ago
Qatar is notorious for high fuel surcharges, so in an ideal world, you'd book their award tickets through a program that does not pass them on, like American Airlines Advantage. However, it's very hard for us in Singapore to earn AA miles, so more realistically you're going to have to foot them. The best tip i can give you is DONT use Qatar Qmiles program to redeem Qatar flights. They charge you a ridiculous award booking fee on top of fuel surcharges (basically amking you pay for the privilege of using your miles), and they're also prone to unannounced devaluations. Moreover, the award chart value is not great. Instead, consider using Asia Miles to make your bookings- there's some reasonable value to be had especially if you can trigger MCA pricing ( https://milelion.com/2019/07/18/planning-a-round-the-world-award-forget-krisflyer-use-asia-miles-best-kept-secret/ )

MileLion

Credit Card

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 2w ago
Unfortunately there is no way of doing this in Singapore. It appears that Citigold clients are eligible for a waiver, but i'm not sure if this promotion is still valid: https://www.citibank.com.sg/citigold/microsite/eprivy/cathaytnc.htm

KrisFlyer

MileLion

Miles

Travel

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 3w ago
KrisFlyer miles cannot be converted to any other airlines' miles, except Virgin Australia (and at a very poor rate). They can be redeemed for partner awards on Star Alliance, Vistara, Virgin Australia, Alaska Airlines and Virgin Atlantic.

Credit Card

UOB

UOB PRVI Miles Card

Miles

MileLion

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 3w ago
So...it appears you've run into UOB's infamous automated UNI$ deduction..."for your convenience" Truth be told, this has been happening for a long time already ( https://milelion.com/2016/11/21/uob-cardholder-with-an-upcoming-annual-fee-better-check-your-uni-balance/ ), and fortunately, it doesn't mean your UNI$ are gone. You call up UOB and apply for a fee waiver via phone banking, just as you would an annual fee charged in cash. If the waiver is approved, great- your UNI$ will be returned to your account. If the waiver is rejected, tell UOB that you want to cancel your card. They'll refund the UNI$ first to reverse the annual fee- and if you have other UOB cards, there's no need to actually convert the UNI$ just yet (they'll be pooled together).

Credit Card

MileLion

SG Budget Babe

Aaron Wong
Aaron Wong
Level 6. Master
Answered 3w ago
In general, annual fees can be waived on all cards with a $30,000 income requirement. Once you get to the $120,000 bracket (Citi Prestige, HSBC Visa Infinite, SCB Visa Infinite, OCBC VOYAGE, AMEX Platinum Reserve/Charge etc.), fee waivers become almost impossible. The fact of the matter is, your $500 or so annual fee is paying for the lounge access, the miles that come with the card, the limo benefits, the dining perks. You can definitely make more than $500 of value out of the card, but that's your cost of entry. There are exceptions, as with all things, but that's the general rule. If the bank says no (and it's a $30K card), I often tell them I'm going to cancel the card. 50% of the time that gets the waiver, the other 50% they say so long and thanks for all the fish.

MileLion

Credit Card

Wedding

SG Budget Babe

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered on 21 Dec 2019
If the hotel is an established business, I don't see any issues (apart from potential cashflow issues for you- so make sure this doesn't affect your ability to meet immediate obligations). Sidepoint: proposed strategy for you 1. Man applies for UOB Preferred platinum visa, UOB visa signature 2. Woman applies for UOB Lady's Card (or Solitaire if income allows), UOB Preferred Platinum visa, UOB Visa signature 3. Each month, man pays $1K on UOB PPV and $2K on UOB VS via paywave for 12K miles 4. Each month, woman pays $1K on UOB PPV, $2K on UOB VS, $1K on UOB Lady's Card (or $3K on UOB Lady's Solitaire) with "travel" as your declard 10X bonus category. Total miles= 16K (or 24K with Solitaire) 5. Rinse and repeat each month. Take note that the UOB VS cap is based on statement month while the UOB PPV cap is based on calendar month If you spread out your banquet payments, you'll be able to hit a lot of miles with this strategy. This assumes you've already maxed out your sign up bonuses

MileLion

Travel

KrisFlyer

Miles

Aaron Wong
Aaron Wong
Level 6. Master
Answered on 17 Dec 2019
JAL is not an accruals partner for KrisFlyer, so the answer is no.

MileLion

SG Budget Babe

Cashback

Credit Card

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered on 13 Dec 2019
I wrote an article summarising each bank's policy regarding credit card points upon the death of the cardholder: https://milelion.com/2018/08/20/what-happens-to-my-credit-card-points-when-i-die/ American Express Under the T&Cs of our cards, MRs cannot be transferred nor put into a will. “Under Membership Rewards Terms and Conditions, Membership Rewards points accrued are not the property of the Card Member and are non-transferable.” Maybank With regard to your enquiry, Treats Points (TP) are not transferable. Upon termination of the Credit Card, the TP are forfeited. UOB We would like to advise that in the event that the cardholder passes away, the rewards points in the account will be forfeited. DBS I refer to your query and please note that DBS Points earned may not be transferred to any other Card Account of the Principal Cardmember, or to any third party, and are not exchangeable for cash or credit. You may wish to know that the Principal Cardmember may use the Redemption Voucher himself/herself or permit a Supplementary Cardmember to use the Redemption Voucher. To redeem a Reward, the Cardmember must present the original Redemption Voucher, NRIC and his/her DBS credit card at the relevant participating merchant(s). A Supplementary Cardmember may redeem the Reward provided the Voucher bears the Principal Cardmember's authorised signature and Card Account number. (that isn't a whole lot of good if the principal cardmember isn't around to sign it!) Citibank In a live chat session with Citibank, the attending CSO confirmed that neither ThankYou points nor Citi Miles could be transferred to a next of kin. HSBC We advise that the points are not transferrable but can be redeemed by the next of kin after we receive the letter and death certificate of the deceased. Once the documents have been successfully validated, the relevant team will contact the next of kin. OCBC Necessary paperwork to be submitted by the next-of-kin, OCBC Bank will verify the necessary documents and customer’s status will be updated. Once verified, we can convert the customer’s remaining points into vouchers from eg. NTUC FairPrice or Robinsons. The vouchers will be sent to the (deceased) customer’s existing mailing address

MileLion

Miles

Credit Card

Citibank

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered on 12 Dec 2019
Even if you're a huge fan of lazada, there's not much point in the card. it earns you 4.8 miles per dollar (capped at $833 per month) until end Feb 2020, after which it's 4 mpd. You can already earn 4 mpd on Lazada with DBS WWMC + Citi Rewards Visa, and that would include Redmart too! The other problem is that Citi points do not pool, so even if you get this card just for Lazada, you'd have to spend a significant amount to hit the minimum 25,000 points block to transfer to KrisFlyer/other FFPs. This is a very underwhelming new card- get a Citi Rewards Visa instead, it's a lot more useful.
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