Aik Kai - Seedly
 
Aik Kai

Collecting miles one at a time and collecting dividends $1 at a time.

Aik Kai

About

Collecting miles one at a time and collecting dividends $1 at a time.

Credentials

Aik Kai's credentials are not filled up yet.

Aik Kai

  • Answers (153)
  • Questions (0)
  • Reviews (6)

Credit Card

Payments

Family

MileLion

SG Budget Babe

Aik Kai
Aik Kai
Level 7. Grand Master
Answered 1d ago
In theory, this is fine and okay. But in reality, a move that will raise lots of questions. If you let another person use your credit card, even though you know fully that he/she is using it, when shit happens, banks and maybe the police will suspect fraud and the whole process of explaining is not worth the effort. The best is just sign up a supplementary card for him/her. Save the trouble.

MileLion

Travel

Lifestyle

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 04 Dec 2019
Most prestigious, most exclusive? I personally think it is Air France La Premiere on their 777W, not A380. First off, you need to redeem using Air France miles, and you must be in their elite tier of their frequent flyer program to even be able to access award space. Too much review out there on their soft and hard product but the reviews are always on the positive side. Good lounge, good food, good service. This is france we are talking about. You can't go wrong with their food. And the lamp on their seat? I cannot even. To me, next would be SQ new Suites and Etihad apartment/residence.

SG Budget Babe

Family

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 04 Dec 2019
Honest opinion, starting a family is not based on hitting financial indicators. Rather, it has more to do with, are you ready? Once you are ready to commit to your partner, you will then set out to plan for your finances. If you are still unsure whether your partner is the right one, sorting out your feelings is more important than sorting out your finances. Once you have a sense of committment and responsibility to your partner, naturally you will think of your finance. This is the time to sit down with your partner and work together. Raising a family is a "together" thing. With communication, a lot of things will work, even finances. I have seen so many of my friends who get by every month but they are so happy with their partner and kids. Having said that. one indicator you should have is a stable stream of income, be it from full time employment or stable freelance work. Unsteady stream of income really affect future planning. Cheers!

MileLion

Credit Card

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 04 Dec 2019
I asked after I am charged. But i normally will pay off the balance (except the annual fee) before I call in. I don't think it helps in any way but I just feel better psychologically because I don't owe the bank money and I feel I have a better edge (which I don't think so but it helps me!). But in any case, always pay off the balance every month so you are considered a "safe" person to the bank. This may help for waivers as you are not those "defaulters" that they rather not deal with. Take a time to look through the t&c of the credit card too. Cheers

Lifestyle

Savings

Credit Card

SG Budget Babe

Cashback

MileLion

Miles

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 04 Dec 2019
Favepay Grabpay, Paywave Credit Card Nets In this order. There is only so much payment methods my mind can handle. LOL

MileLion

Miles

Credit Card

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 04 Dec 2019
The first question will be what is your dream redemption? Where do you want to go? What airline do you want to take? Once you have answers to these questions, then we can work backward and see how much miles you need. Pardon my honesty but holding on to Citi PM card will get you nowhere as you are not maximising your spend. You need more cards, and cards that reward you the max mpd for your spend. Shopping, dining, transport etc, there are so many cards out there that will reward you more than the 1.2mpd Citi is giving. Miles chasers never complain of holding on to too much cards. Rather, we seek out cards that reward us the most for our spending. It is a long journey and a lot of hard work. But sipping champagne onboard a business class seat is worth the effort. Dom Perigon or Krug anyone?

SG Budget Babe

Credit Card

MileLion

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 03 Dec 2019
Of course it is possible! Cash is still king, despite what people say. Add a debit card to your wallet and you are ready to roll. Cash for point-of-sale transactions and debit card for app and online transactions. Credit card, in a nutshell, is a double edge sword. Used properly and you reap rewards that banks lie on the table. Used improperly and debts are no joke, potentially spoiling your future to some degree. All in all, it depends on how you approach money. If you are those disciplined type, I would say you miss out by not getting credit cards. Cashback, miles, points.. all these rewards that you can reap. Will be a pity to let them go. If you are those spend whatever you have, cash and debit card will be better. At least you don't get into unnecessary debts and/or stress over money. Cheers!

MileLion

Miles

Travel

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 02 Dec 2019
Just want to point out the rates for redemption. 1) SQ -- 198K Krisflyer miles per person 2) Qatar -- 338K Qmiles per person 3) Emirates -- 190K Skywards miles per person Your best bet is SQ as you can transfer from both Citi and UOB. You can only transfer to Qatar from Citi PM and Emirates miles are only from SCB X Card. To transfer the miles for Citi, go to this link -- https://www.citirewards.com/. Basically, search for krisflyer at the top search bar. It will then prompt you to log in and then just follow the instructions. Note that there is a transfer fee of 26.75 (with GST) The same apply (including the fee) for UOB. The link for UOB -- https://pib.uob.com.sg/Rewards/Public/landing.do Once your miles are in (not instant, typically needs a few days), go to SQ website and log in to your Krisflyer account. Then go to main page, click on "redeem flights" in the search bar section and search for SIN to Newark for your desired travel dates. Different timings will appear and the miles needed to redeem the flight will show. Follow the instructions and you are on your way. There will be airport taxes and charges and it varies. But you will be informed well before you confirm your bookings. Cheers

Credit Card

DBS Altitude Visa Signature Card

Grab

Fave

Savings

Lifestyle

Payments

MileLion

SG Budget Babe

Miles

Cashback

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 02 Dec 2019
Just want to answer your first sub question -- Yes DBS recognise topping up grab as a valid transaction and will award 1.2mpd. With regard to pro and con analysis, the pro is you triple dip. Miles+Casback+Grab Rewards Points is a combo hard to ignore. Con wise.. I can't think of any although I think you should use other cards to top up Grab, like Citi Rewards and Maybank Horizon VS. Cheers

SG Budget Babe

Cashback

Miles

Credit Card

ShopBack GO

MileLion

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 02 Dec 2019
Yes, it is possible. 2 known methods: 1) Fave Pay + Grab Pay. Top up grab pay using cards that rewards miles for spending on transport (Maybank Horizon, UOB Lady Card (must choose transport as a category), Citi Rewards Card). Then pay at merchants using Fave Pay but using grab pay as the payment method. You earn miles (top up), grab points (using grab pay) and cashback (using fave pay). 2) Shopback Go. Link your miles earning card to Shopback Go and then just use as normal at merchants in the Shopback Go network. You earn cashback (Shopback Go) while also earning miles (your miles earning card). Hope this helps! Cheers!
Load more questions
Level 7. Grand Master
761PointsGoal 1500
739 POINTS TO LEVEL UP
Browse Rewards
Top Contributor
Top Contributor
AUG