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Aaron Wong

Travel better for less

Aaron Wong

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Founder at The Milelion

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Travel better for less

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Aaron Wong

Top Contributor

Founder at The Milelion

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Milelion

Credit Card

Citi PremierMiles Visa Card

"Best" is subjective. In terms of pure miles earning potential, the Citi PMV (1.2/2.0 for local/overseas spending) is outstripped by the UOB PRVI Miles (1.4/2.4), OCBC 90N (1.2/4.0- until 29 Feb 2020) and BOC Elite Miles (1.5/3.0) cards. However, the key advantage of Citi is that they have the most transfer partners of any bank in Singapore. There are a total of 11 transfer partners- not just "classic" ones like KrisFlyer and Asia Miles, but more "exotic" ones like British Airways Avios ( https://milelion.com/2019/06/03/british-airways-new-avios-chart-is-out-and-heres-how-the-sweet-spots-have-changed/ ) EVA Air ( https://milelion.com/2019/10/24/amex-adds-eva-air-infinity-mileagelands-as-transfer-partner-good-option-for-japan/ ), Etihad ( https://milelion.com/2018/06/26/finding-the-sweet-spots-among-etihads-23-award-charts/ ) and Turkish Airlines ( https://milelion.com/2018/12/24/good-value-star-alliance-bookings-with-turkish-airlines-miles-and-smiles/ ) As you can see, each FFP has its own sweet spots, and holding Citibank points gives you the flexibility to pick and choose depending on where you're flying to.

Milelion

Typically within 24 hours. if it takes longer than that, it means points.com may not like your SG-issued credit card. I can't explain why, but it happens for some people. the transaction will automatically be cancelled if they dont charge your card, and the hold on your funds removed.

Milelion

Credit Card

Miles

A full listing of sign up bonuses can be found here: https://milelion.com/credit-cards/current-credit-card-signup-bonuses/ Be sure to look at the T&C for exclusion categories (e.g. the SCB X Card excludes Cardup, ipaymy, RentHero, among other payments).

Milelion

Miles

Credit Card

If you have a big one-time expenditure coming up, it's highly recommended you look at sign up bonuses to get the most miles out of it. A full listing can be found here: https://milelion.com/credit-cards/current-credit-card-signup-bonuses/

Milelion

Miles

Credit Card

A full listing of credit cards in Singapore that provide lounge access can be found here: https://milelion.com/2019/09/28/which-credit-card-offers-the-best-complimentary-travel-insurance/ In general, you're looking at 2 or so free visits unless you qualify for a $120K card, which may offer unlimited lounge access. You'll have to pay ~$500 in annual fees, but you may earn it back through lounge access, miles with the annual fee and other perks.

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Miles

Credit Card

Best tip I can give you is to have your spouse get the UOB Lady's/Lady's Solitaire card and declare travel as your quarterly 10X category. Hotel spending will then qualify for 4 mpd. It is capped at $1K for the Lady's and $3K for the Lady's Solitaire. Break your spending into $1/3K chunks and max it out each month. Otherwise, find a hotel that accepts Paywave (contactless payments), get the UOB Visa Signature and UOB Preferred Platinum Visa and tap a further $2K (UOB Visa Signature) or $1K (UOB PPV) each per month for another 4 mpd.

Milelion

Miles

Credit Card

Travel

If you're looking for mass-market ($30K income requirement) miles cards which earn points that don't expire, consider: 1. DBS Altitude 2. Citi PremierMiles 3. OCBC 90N UOB PRVI Miles points expire after 2 years, BOC Elite Miles between 12-24 months. Once you tranfser your points to KrisFlyer, you get another 3 years. That said, don't hold on to your points forever- FFPs devalue every 3-4 years, and the longer you wait, the more you risk getting caught out.

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Miles

Milelion

1. Never spend more than you otherwise would. The miles game is a way of not leaving money on the table, not putting more money down 2. Get GIRO arrangements to service all your cards 3. Read T&C carefully. A 5 minute investment in this can reap tons of dividends down the road 4. Don't use one card for everything. That's the guaranteed slow lane for miles ( https://milelion.com/2019/10/21/why-cant-i-just-use-one-credit-card-for-everything/ ) 5. Cancel any cards you're not currently using so you can reset your "new to bank" status. after 1 year (some banks may be 6 months), you'll be eligible for new sign up gifts and bonuses

Milelion

Travel

IMHO- the top few experiences I've had so far. 1. Lufthansa First Class Terminal in Frankfurt- private spa cabanas, sit down restaurant catered by DO&CO, fully stocked bar, cigar lounge (if you're into that sort of thing), and driven to the airplane in a porsche. 2. Qatar First Class Lounge in Doha- overnight hotel rooms, in-lounge art exhibitions, sit down dining and vintage champagne. 3. Thai Airways First Class Spa in Bangkok- the food in the lounge is meh, but all F passengers get a 1 hour complimentary massage. Business gets 30 mins foot massage. 4. Qantas lounge in Singapore- very high quality F&B, great interior design and comfortable place to get work done. going to get even better when the First Class lounge opens later in 2019. i think SIA's lounges are generally comfortable but not life-changing, although I hope the new lounges they're doing in Singapore will raise the bar ( https://milelion.com/2019/07/05/what-can-we-expect-from-singapore-airlines-new-terminal-3-lounges/ ) And the best part is- all these experiences can be redeemed through the magic of miles and points.

Milelion

Shopping

Miles

Credit Card

For online spending, consider getting the following 1. DBS Woman's world card- 4 mpd (miles per dollar), capped at $2,000 per month- you don't need to be a woman to get this card! 2. Citi Rewards Visa- 4 mpd, capped at S$1,000 per statement month 3. OCBC Titanium Rewards- 4 mpd, capped at S$12,000 per year. this is better if you're buying a one-shot big ticket item, as the cap is applied per year rather than per month. You can get both the Blue and Pink version of this card to double your cap do remember that certain exclusion categories apply (eg insurance, government payments), so be sure to refer to the T&C. Refer to this guide for more details on what card to use where: https://milelion.com/credit-cards/guide/
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