SG Budget Babe
Asked on 15 Mar 2020
I have been trying to do some research on whether I could get miles for pregnancy costs (e.g. delivery costs, checkups etc). I found this moneysmart article which recommends Citi Rewards (https://blog.moneysmart.sg/credit-cards/best-credit-card-pregnancy-costs-singapore/) but based on this seedly q&a (https://seedly.sg/questions/do-i-get-miles-if-i-pay-my-medical-bill-using-miles-card) it seems that hospital bills are excluded.
Does anyone know for sure :) ?
Hospital bills are generally excluded from spending - except for AMEX KF cards IIRC. However for now I still use Grabpay Mastercard (topped up using DBS Altitude) for any hospital bills, despite its more mediorcre earn rate now...something is better than nothing I guess? Hope it helps
Hi! Understanding whether or not a credit card will reward hospital bills can be tricky, especially because the terms and conditions often aren't very transparent. For the most part, credit cards do not reward medical payments–this exclusion is listed as "government services" as most hospitals and polyclinics actually fall into this category. However, there are a few options that currently reward medical transactions. Here's a quick overview:
Standard Chartered Unlimited Cashback–1.5% rebate on all spend, great for big hospital bills since it's uncapped
American Express True Cashback–Also 1.5% unlimited, but offers an upfront boost to 3% for the 1st 6 months (so a great fit if you're already a few months into your pregnancy)
HSBC Revolution–Up to 2 miles/S$1 on online bill pay, including insurance
CIMB Platinum MasterCard–No-fee and rewards all medical spend, but cashback on hospital bills is capped after S$200 spend, at S$20/month (so might be a good complementary card for ancillary expenses)
If you're curious, here's a full run-down of credit cards in Singapore that reward hospital bill payments (from ValueChampion):
Hope this helps!
I've just looked through the T&Cs for the Citi Rewards Visa Card, unfortunately, the 10x points (4.0mpd) promotion does not include spend for hospital bills. The MoneySmart article which you referenced was selling you this card due to the 10x points promotion for shopping and ride-sharing. It's a shame, but most miles cards will actually remove Hospital Bills as a qualifying spend for promotions.
I would look more at Cashback cards, but if you had to use a miles card for a large hospital bill (depending on which wards you're in), perhaps the Citi PremierMiles would be a decent card, due to the 1.2 local generalised spend with no cap and no min spend.
Hope this helps!
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