Asked on 07 Dec 2019
UOB One for grab, bills and insurance premium payments
Citibank SMRT for groceries cash back
Looking for air miles card as I can't hit the min. spend (for cash back cards) for my miscellaneous purchases (e.g. shopee, lazada, dining, etc.). I don't really spend on travel-related expenses either, which makes it difficult to find a suitable miles card.
Preferably no expiry date for the miles as I intend to slowly but steadily accumulate them via day-to-day purchases.
You'll want to consider one of these 3 cards which have no expiry on the earned points/miles.
Other cards will have an expiry date associated with their rewards hence I did not list them here. It's good that you realise that you could not hit the minimum spend to earn the cashback since it's important not to spend just for the purpose of hitting the minimum cashback amount.
Recommend Citipremier Miles as it has no expiry. You can consider OCBC 90N as well, however its pros & cons list differ from Citipremier. But both works fine!
Citibank Premiermiles card for your everyday spending.
This is because the miles earned does not expire.
And you have a wide variety of miles partners to exchange airline tickets if SQ KRisflyer is not your thing. Citibank has the most number of airline partners.
This is a great card if you want to steadily accumulate them via day to day purchase
UOB's suite of cards can be useful. The points pool together, and while the points has a 2 year validity, converting them to Krisflyer gives them another 3 years - making this a total of 5 years. This is more than enough time for even a low spender to accumulate a good amount of miles.
UOB Preferred PLat Visa: 4mpd for paywave - essentially covers most of your groceries and dining spending. Some online spending also qualify
UOB Prvi Miles Visa / Master: 1.4mpd
if you are a female, UOB Lady's Solitaire allows you to choose 2 spending categories to earn 4mpd.
How much are you spending per month?
To make miles meaningful, one has to take a best in breed approach. Otherwise even if there's no expiry, it's going to take you forever to redeem a ticket.
$500 * 4mpd = 2,000 miles
2,000 miles * 12 months = 24,000 miles (one-way Business Class to Bangkok is 21.5K)
If you use one single card,
$500 * 1.5mpd = 750 miles
750 * 12 months = 9,000 miles (One-way Economy class to... Malaysia)
You will have to save the miles for 2.6 years just to break even.
Hi TwT, since you are already looking at cards with miles that don't expire, that kind of shortlists to only a few cards which should help make your decision making easier (I hope). You may also wish to consider the possible airline partners for redemption - which is dominated by Citi PremierMiles in this case.
They have a whopping 12 airline partners that you could look at instead of being limited to just SQ. Having more choices is a healthy problem so this is an additiontal factor to add to your consideration.
The best options for you are DBS Altitude and Citibank Premiermiles because the miles do not expire, which would allow you to accumulate steadily. They also offer some attractive miles of 10,000 when you pay the annual fee.
However, if your goal is to accumulate a certain amount of miles for use within 3 years, with bulk of your spending being made online, you may wish to consider DBS Woman's World because it has a much better rate of 4mpd. As for why 3 years - the points expire within a year, meaning you need to convert it into miles within a year, after which the miles will expire in 3 years.
Following from your criteria DBS altitude will be the best card. As it has no expiry to its DBS points which can slowly be converted to Airmiles redemption
Citi Premiermiles or dbs altitude card. Both accrue at 1.2 miles per dollar with no minimum and no expiry of points or miles. Bonus of 10k miles if annual fee are paid for both cards.
BOC elite miles accrue at 1.5 miles per dollar and are transferable to kris flyer in blocks of 10k miles. This will be good if you can meet the miles as points expire after a year or so.
Dbs women's world card accrue at 4 miles per dollar for online spending and points expire after a year as well. No restriction on gender.
It depends on your spending habit.
For general cards, consider Citi PremierMiles at 1.2 miles per dollar. For stacks in $5, consider UOB PRIV Miles @ 1.4 miles per dollar.
For online spending, consider Citi Rewards @ 4 miles per dollar, capped at $1k monthly.
For shopping and entertainment, consider OCBC 90°N CARD @ 4 miles per dollar.
Personally, I am using Citi PremierMiles as the miles will never expire and it is a versatile card for most purposes. More often than not, it comes with great perks!
By the way, you may wish to consider Standard Chartered Unlimited Cashback card for cashback too - no minimum spend and no cap.
These are the two cards that I personally own and use. 😉
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