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Melvin Soh

Melvin Soh

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Melvin Soh

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DBS Altitude Visa Signature Card

Credit Cards

Should a fresh grad get the DBS Altitude Amex or Visa?
Melvin Soh
Melvin Soh
Level 3. Wonderkid
Answered on 22 Sep 2019
1) Feel free to sign up for both - you can - unless you have a philosophical objection towards too many cards. 2) Please re-read the TNCs regarding bonus miles on flights, and while you're at it, on the AMEX promotion too. This helps you to know your rights. 3) Note that it's generally harder to spend using an AMEX in Singapore. And if this is going to be your general spending card, you need to consider that.
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SeedlyTV EP02

Miles

Credit Cards

Do people who travel often using miles usually Manufacture Spend?
Melvin Soh
Melvin Soh
Level 3. Wonderkid
Answered on 22 Sep 2019
I know some people who actively seek out opportunities to MS. However, I believe that the vast majority of mile chasers follow the letter (if not the spirit) of rules set by the bank. This minimises the risk of clawbacks from banks. Loopholes get closed eventually as no bank likes being cheated. To assess the first half of the question - it is, however, possible to travel in premium cabins (perhaps once a quarter), if you spend enough, intelligently, and exclusively on 4mpd cards (disregarding sign-up bonuses in the spirit of the question)! 100k miles round-trip in business (a generalisation, of course, this varies depending on where you're flying) is 25k spend on 4mpd cards, which if divided across 3 months is about 8k spend a month - you can get more than 8k worth of 4mpd through a series of cards - WWMC (2k), VS (2k), PPV (1k), TR Pink & Blue (2k), CRV (1k), CRMC (1k). If you're earning a sizeable amount every month and finding a way to spend it exclusively on 4mpd cards, then you probably deserve to fly premium cabins ūüėÖ Cheers!
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Giveaways

Lifestyle

(CNY Giveaway 2019) Describe your Chinese New Year in 4 words! Be creative with your answer, and stand a chance to win Hai Di Lao vouchers!?
Melvin Soh
Melvin Soh
Level 3. Wonderkid
Answered on 12 Feb 2019
"Make Up Tutorial Class" The dreaded four words no one wants to hear from their teaching assistant.
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Level 3. Wonderkid
29PointsGoal 40
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