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Keppel Electric

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Multi Currency Cards

Revolut

Leslie Koh
Leslie Koh
Level 2. Rookie
Answered 3m ago
I would say maximise the usage of the free overseas withdrawal as well as lounge access. However, those benefits are easily replaced by careful planning of your budgeting when travelling and free lounge cards that are given by your credit cards.

Credit Card

SCB Singpost/Spree Card

Citibank SMRT EZ-LINK Card

Standard Chartered

Citibank

Leslie Koh
Leslie Koh
Level 2. Rookie
Updated 11m ago
You should consider getting the UOB one card, consolidate your recurring payments and cap it to $500 to earn the first tier of cashback, while the remaining payments, you divide to whichever card gives you the best cashback or rebate depending on your type of purchase šŸ˜Š

Multi Currency Cards

Revolut

Leslie Koh
Leslie Koh
Level 2. Rookie
Updated 4m ago
- Higher free overseas withdrawal - Airport Lounge Access - Free disposable virtual card for online purchases Personally, I see no point upgrading to Premium. - I plan and change money accordingly to my usage overseas, so far never had to withdraw money overseas. - For Airport Lounge access, I have Priority Pass from my credit card and I have AMEX Krisflyer which gives me 4 lounge vouchers. - I have both YouTrip and Revolut cards which both I donā€™t store much money in so Iā€™m not worried about cc fraud.

CPF

Loans

Education

Lifestyle

Sharon Lee
Sharon Lee
Level 3. Wonderkid
Updated 20h ago
I would recommend lump sum, I used to pay 100$ monthly and that was because i couldnt pay it in full. Why pay additional interest right? Even though the money goes back to your parents cpf. BUT what if you are someone who is pretty good with investing and using that 4k will earn back more than 3% per annum? Then you should just stick with monthly.

SeedlyTV EP02

Miles

Credit Card

Milelion

Aik Kai
Aik Kai
Level 6. Master
Answered on 21 Apr 2019
To me, you need 3 cards and 1 more if you can. 1) DBS Altitude Visa Card 2) DBS Altitude AMEX Card 3) Citi Premiermiles Visa Card 4) Citi Premiermiles AMEX Card (high income req, so a bit of a bummer) The strategy is just charge everything to these cards. If that month Citi has a promotion, just charge to Citi's cards. If DBS has a promotion, just charge to DBS's cards. As points from these cards don't expire, just keep charging to these cards and you should have a sizeable amount of miles in a few years time. Boost the number of points by paying annual fees too. This way, you can don't need to worry about what cards give you what mpd la and no need to every year monitor the soon to expire points. You do need to make an effort to know how many miles for the dream redemption you want though.

SeedlyTV EP02

Credit Card

Miles

Milelion

Huang Yixuan
Huang Yixuan, Product Designer at Somewhere
Level 6. Master
Answered on 09 May 2019
Heyhey! For me, I got a Krisflyer Amex card first, that gives me about 15k sign up bonus with 3k spent in the first 3 months. So total about 18k already. After a few months, I got the Citipremier miles card, because the miles don't expire, and has higher mpd, (1.2mpd compared to AMEX which is 1mpd) Citibank also has a sign up bonus of 23k with 7k of expenditure in 3 months, if you pay the annual fee of ~$200. So now I would have gotten 18k+30k = 48k miles from these two cards alone, and by paying the $200 annual fee. 50k miles get you to south africa and melbourne! So this method is quite worth it imo if you can hit the min spending (:

SeedlyTV EP02

Miles

Milelion

Aaron Wong
Aaron Wong, Founder at The Milelion
Level 4. Prodigy
Answered on 09 Apr 2019
Nope! In fact that's a common misconception. With the right cards, an annual spend of $20K could yield as much as 80k miles, more than enough for a round trip business class ticket to Shanghai. In fact, given that most cashback cards have minimum spend requirements to earn the upsized cashback, one could argue that it's cashback cards that require you to spend more sometimes when you don't need to.

CITI PremierMiles Visa Card

SeedlyTV EP02

Miles

Milelion

Currently this is the 3 cards you can consider: UOB Prvi - 1.4 MPD for general spending UOB Preferred Visa - 4MPD for contactless payment, capped at $1K OCBC 90oN Card - 4MPD for overseas spending, no cap until 29 Feb 2020

Career

Figure out why you donā€™t enjoy your role. List out all the problems you face. Is it a ā€œcompanyā€ problem or is it a ā€œyouā€ problem? In every job, you will definitely learn something, if you know why youā€™re there. If you donā€™t like where you are, no matter how big the opportunity is, you wouldnā€™t see it. My advice is, sit down and think. What truly makes you happy at the end of the day and if your current job makes you happy. Iā€™ve seen so many people earning good money but not happy at the end of the day. Eventually become jaded and then do mid career switch to pursue other things. Instead of worrying your resume, think for yourself. What do you really want. Then go ahead and pursue it!
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