Asked on 25 Nov 2019
I shop online quite a bit, often dine out.
Well, I would recommend Citi Premiermiles or OCBC 90N, main catch of both is there is no expiry to the miles. All the other miles card have, I am honestly not sure as I am part of the cashback gang!
But then again, if I may recommend you a hack, use your miles card to top up your Grabpay. You should be able to activate your Grabpay Mastercard (GPMC). Since you say you online shop a lot, use the GPMC to pay for it. That way, you are double dipping - miles when you topup Grabpay, and grabpoints when you pay using GPMC. And to add on, you can actually claim Krisflyer miles from your Grabpoints. Win, win and win.
You'll want 3 cards in this case, and assuming you qualify for the $30K p.a. cards,
1 for general spend (any general spend card should do the trick)
1 for dining(UOB lady's card is quite decent)
1 for online spend (Citi rewards visa or OCBC titanium)
Track your expenses and adjust accordingly (say if you find that you regularly and significantly exceed the $1K for 4mpd on the citi rewards visa for online spend, then get the OCBC titanium as well to maximize your earnings)
Most common question that I was asking a lot too. haha. I remember asking this myself during milelion meetup at Seedly.
What I decide to do :-
1) UOB Priv Miles card (best return on a general use basic)
2) Citi Premiermiles card (Miles do NOT expire)
I uses these 2 cards. UOB for most spending because it has the best returns.
And Citibank Premiermiles because the card earn miles that do not expire.
I like to accumulate them for future, in case I need to splurge on some special events or for some love ones.
These 2 are my favourite cards and I almost abandoning all my other cards (OCBC, SCB, Maybank, BOC).
DBS Woman's World Card is not mentioned yet, thought it's worth pointing out that Online Spend on this card earns 10x DBS points which is equivalent to 20 miles for every $5 spent. I use this card exclusively to maximise my online spending, and the DBS points add to my DBS Altitude card for other general spending as well.
With time being a strict constraint, a fuss-free card could be either the DBS Altitude (Visa/AMEX) or Citi PremierMiles (Visa/AMEX). As the miles do not expire, you could be accumulating for a couple of years before checking it one day, and BAM you're on your way to an exotic far far away land.
For an even fuss-free card where you do not have to convert the bank points into airline miles, you can also consider the AMEX Krisflyer card(s). The MPDs earned are lower, but you do not have the conversion issue for an even smoother experience.
You may want to go with a suite of UOB cards since the points pool together and they do have a good range of cards covering most stuff:
UOB preferred platinum visa: 4mpd for paywave and some online spend (check tnc)
UOB prvi miles: 1.4 mpd general spend
UOB visa signature: 4mpd for foreign currency spend more than $1k, less than $2k
If you are female, the UOB ladies card allow you to choose up to 2 spending categories to earn 4 mpd
take more UOB points expire in 2 years and they often deduct points in lieu of annual fees which you need to get a waiver for, so need to keep a close watch on your points balances and expiry
This means you are looking for an Airmiles card which targets genral spending and do not require jumping too many hoops to meet the requirements.
In my view, a good general spending airmiles card is UOB Privimiles which gives 1.4 miles for every dollar spend. Its better than DBS altitude rate of 1.2 airmiles per dollar.
For online transaction Citi rewards visa with 4mpd is the one I prefer out there. But take note of the $1k limit per card statement.
For dining, if you can use paywave, UOB preferred platinum visa is good with 4mpd, for this there is also a $1k limit.
General spending, I will go with DBS Altitude with miles that has no expiry. Currently they have a 4 mpd for bus/MRT rides under simplygo as well.
If you want a simple card that works for almost all purposes, then consider Citi PremierMiles or DBS Altitude card. While it may not give the highest rate of miles for spending in each specific category, it is an all-rounded card that works without any hassle.
Additionally, the miles will never expire as well. Therefore, you may passively accumulate miles while keeping your lifestyle the same.
Otherwise, for online shopping, you may consider Citi Rewards, which gives an effective rate of 4 miles per dollar.
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