How to calculate points earned in DBS Altitude credit card?

This is a pretty interesting article ( https://milelion.com/2019/08/16/how-do-banks-ro... ) that looks at the calculation of miles for every single cards and banks.

If you are using an excel to compute, based on their currencies:

Local: ROUNDDOWN ((X/5)*3,0)

Foreign: ROUNDDOWN ((X/5)*5,0)

Assuming that you are holding onto a DBS Altitude Visa card, here is the breakdown on how the points work:

For every $5 spent on online flight and hotel, you get 7.5 DBS points.

For every $5 spent on all overseas spend (in foreign currency), you get 5 DBS points.

For every $5 spent in local currency, you earn 3 DBS points.

Additionally, do note that the points calculated on each transaction is rounded down to the nearest whole number, e.g. $5.50 spent in local currency will yield 3 DBS points instead of 3.3 DBS points.

Furthermore, your DBS points will expire one year from the quarterly period in which they were earned, e.g. DBS points earned in Q1 2019 (1 Jan 2019 to 31 Mar 2019) will expire on 31 Mar 2020.

Now, in order to convert your DBS points to miles, the conversion rate varies across airlines. Let's use KrisFlyer for example, the conversion rate is 1 DBS point to 2 miles. Accordingly, for $5 of local spend, you will get 3 DBS points, which is equivalent to 6 miles. This is effectively 1.2 miles per dollar as advertised.

Finally, do note that there is a admin fee of $26.75 for the transfer of points to airline miles.

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