Daniel - Seedly
Daniel

Money, personal finance, investments and mile-chaser.

Daniel

2Upvotes

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Money, personal finance, investments and mile-chaser.

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Daniel

2Upvotes
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Lifestyle

Daniel
Daniel

()

Level 2. Rookie
Updated 3w ago
“Best miles card of 2019” depends very much on your spending pattern. This is because not all cards are created equal. Each has its own pros and cons. For example, do you do a lot of online shopping? (DBS Women World Mastercard, Citi Rewards) Do you travel overseas frequently? (UOB Visa Signature) Do you find yourself using PayWave often? (UOB Preferred Platinum Visa, UOB Visa Signature) Or do you mostly spend on dining out? (UOB Krisflyer, Maybank Horizon, HSBC Revolution) In terms of general spending miles card, currently, the highest mile per dollar (mpd) offered is 1.5 mpd (local) and 3.0 mpd (overseas) by BOC Elite Miles World Mastercard. The recently launched OCBC 90N has a promotional overseas spending rate at 4.0 mpd till the end of February 2020, you might want to take a look if you have an overseas trip soon. Lastly, don’t just look at the headline rates that the banks put up. Check about the benefits that banks offer (eg. Lounge access). Do a bit of research through reviews and terms & conditions of each card before you plan to sign up.

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Daniel
Daniel

()

Level 2. Rookie
Answered 3w ago
Hi there, if your main consideration is points pooling, I think UOB has a good suite of cards that can cater to your needs. For example, UOB Lady’s, UOB Visa Signature, UOB Preferred Platinum Visa, UOB PRVI. On a side note, Citibank points/miles do not pool! If you have Citi PM and Citi Rewards, you need to pay twice $25 for miles redemption and each min redemption is 10k miles. For offline shopping, UOB Lady’s Card offers 4 mpd (cap at $1k spending) provided it is chosen as one of the 7 categories. UOB Preferred Platinum Visa also offers 4 mpd (cap at $1k spending) using PayWave if the store accepts this payment method. For online shopping, UOB Preferred Platinum Visa also offers 4 mpd (cap at $1k spending) when you shop at Lazada, Shopee, Taobao, and etc… For travel, if you have UOB Lady’s Card you can also change the chosen category once every quarter to the “Travel” category to earn 4 mpd on hotel and flight bookings. Note that the same cap $1k spend applies. UOB PRVI can also net you 6 mpd on hotel and flight bookings if you book through their portal “UOB Travel”. For general expenditure, UOB PRVI offers a respectable 1.4 mpd (local) / 2.4 (overseas), second-best in the market. You also need to note that UOB awards points/miles in blocks of $5. Meaning if you spend $4.99, no points for you. These are all my personal suggestions since you mentioned you hope to pool points together. Hope you find them useful! 😊
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