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Jacob

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Jacob

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Jacob

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Grab

MileLion

SG Budget Babe

Cashback

Miles

GrabPay Card

UOB One Card

UOB

Credit Cards

Jacob
Jacob
Level 6. Master
Answered on 24 Dec 2019
Hi Jasmin, if you are looking for a miles card, AMEX KrisFlyer cards could do the trick. As compared to conventional 1.2 miles per dollar (mpd) spent, AMEX KrisFlyer allows you to earn 3.3 mpd - granted this is capped at the first $200 on Grab spent every calendar month. That said, the miles will also expire compared to those you earn via Citi PremierMiles or DBS Altitude. So just a word of caution to note. To find out more, https://promotions.americanexpress.com.sg/offers/travel-hotels/3kfrides/?linknav=sg-ser-cardmem-promo-offerdetails-3kfrides All the best!
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MileLion

Miles

Credit Cards

Jacob
Jacob
Level 6. Master
Answered on 24 Dec 2019
I personally feel you do not have to be a high spender to play the mile games. Especially so if you are looking at miles that do not have an expiry such as DBS Altitude and Citi PremierMiles - good for those who wish to slowly accumulate their miles and not be pressured to spend a minimum each month. Which could be the case for some cashback cards that have a stipulated minimum spend in order to enjoy the higher-than-average cashback % - say 1.5% cashback for StanChart Unlimited versus 5% for DBS Live Fresh for minimum $600 spend per month. More importantly, keep track of your spending pattern and study which cards will help you maximise the rewards you can earn. You can view these rewards as "bonuses" so don't be compelled to spend more in order to gain more bonuses. All the best!
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MileLion

Citi PremierMiles Visa Card

HSBC Revolution Credit Card

Credit Cards

Jacob
Jacob
Level 6. Master
Answered on 24 Dec 2019
Hi Tim, based on the requirement for miles that don't expire, your choices are down to DBS Altitude, Citi PremierMiles and OCBC 90ĀŗN - with the Visa and AMEX variant. These three function pretty much the same way - miles that don't expire, 1.2mpd per local spend and conversion fees to redeem miles with airline partners. I'd choose Citi PM over the rest because of the greater airline partners (12 versus 4 for DBS and 1 for OCBC) and 2 free airport lounge visits (same for DBS but none for OCBC). And don't forget to hit the sign up bonuses, which should be pretty easy based on your expenses. All the best!
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MileLion

Grab

Jacob
Jacob
Level 6. Master
Updated on 22 Dec 2019
Hi Wei En, I believe it is about opportunity cost - so you will be redeeming for miles in place of the other options. If you are not redeeming for miles, will you be considering the other options? If you aren't, then perhaps the Krisflyer miles would work best for you. Milelion just wrote an article on the new conversion options for grab points ( https://milelion.com/2019/12/06/grabrewards-adds-new-krisflyer-conversion-options/) - it could be worth a read. All the best!
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MileLion

KrisFlyer

Miles

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
I believe it is about opportunity cost - so you will be redeeming for miles in place of the Chope vouchers. If you are not redeeming for miles, will you be considering using the Chope vouchers? If you aren't, then perhaps the Krisflyer miles would work best for you. Valuation-wise, it differs from people to people. So it depends on $30 off a meal be sounds good to some, but others may prefer using it on their miles instead.
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MileLion

Miles

Travel

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
The fastest way is definitely through gaining sign-up bonuses. I would recommend staying up to date with all the sign-up bonus that are on offer, especially to new-to-bank customers. You can keep track of them either via: - SingSaver or MoneySmart. They regularly share sign-up bonus from the various banks, say $250 for signing up for a Citibank card as a new-to-bank customer. - Milelion Roar telegram broadcast channel (https://t.me/milelionroars). They post all (I think?) promotions almost in real time, as well as compile a Weekly Deal Summary to ensure you do not miss out on any promotion. Best of all, it is a channel so no spams ! Only the best stuff shared there
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MileLion

KrisFlyer

Miles

Travel

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
The fastest way is definitely through gaining sign-up bonuses. I would recommend staying up to date with all the sign-up bonus that are on offer, especially to new-to-bank customers. You can keep track of them either via: - SingSaver or MoneySmart. They regularly share sign-up bonus from the various banks, say $250 for signing up for a Citibank card as a new-to-bank customer. - Milelion Roar telegram broadcast channel (https://t.me/milelionroars). They post all (I think?) promotions almost in real time, as well as compile a Weekly Deal Summary to ensure you do not miss out on any promotion. Best of all, it is a channel so no spams ! Only the best stuff shared there. For a more sustainable and regular method, then perhaps you can study your expenses pattern. From there, you can look at the various categories of spend and the cards that would help you maximise the miles earned from this article (https://milelion.com/2019/09/21/miles-game-starter-pack-four-credit-cards-you-need-to-get-going/). Hope it is not too much of an hassle keeping up with various perks of these cards when you have them in your wallet.
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SG Budget Babe

MileLion

Lifestyle

Family

Cashback

Miles

Grab

GrabPay Card

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
Hey there, such a bumer that AXS has stopped accepting these payment abruptly. It seems the rare few way around this is through CardUp https://community.whatcard.sg/t/a-workaround-for-paying-bills-with-grabpay-credits/583 One downside is that while GrabPay doesn't charge any extra fees when using it for payment, CardUp charges a rate of 1.9-2.6% for Singapore credit cards, which means that you are basically ā€œbuyingā€ your credit card rewards with these fees
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Miles

MileLion

KrisFlyer

Credit Cards

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
Hey there, as many of them shared, the higher mpd will only be valid for the first $200 for every calendar month. Hence it would only be for the $600 of the $5k you have planned. On top of that, with so much in your Grabpay wallet, hope you will be able to expense it as TnCs do change regularly and abruptly (such as recently for AXS payments). So hope this does not catch you off guard if you have any planned payment using your Grabpay wallet. On that note, should you receive a referral for the AMEX KrisFlyer card, the target would be $1k spend within the first 3 months which is much easier to hit. Do let me know if you would need the referral on this (valid till end 2019) and I'll be more than happy to help on this. All the best!
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MileLion

Travel

Miles

Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019
Hi Anonymous, do the necessary calculations to ensure that you are comfortable with paying the extra fees for the extra miles earned through Kaligo. I wouldn't say if it is the best site to earn miles, but more of if the extra miles would be worth the higher price that you are buying - which boils down to the fact of your miles valuation. Where most would value it between 1.8 to 2 cents per mile. Everyone's valuation differs so to each his own, so long as you are comfortable with the knowledge you are paying higher.
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