I have been spending more than my maximum cashback limit on UOB One recently. Should I get a a miles card as secondary card? - Seedly
Seedly logo
Seedly logo
 

UOB One Card

Citi PremierMiles Visa Card

Credit Cards

Anonymous

Asked on 08 Apr 2019

I have been spending more than my maximum cashback limit on UOB One recently. Should I get a a miles card as secondary card?

I've started travelling work for work and have started to gain Krisflyer miles (small amounts) due to the constant flights. Hence the idea of getting a miles card as a secondary card.

0 comments

4 answers

Answer Now

Answers (4)

Sort By

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 23 Jun 2019

Do you expect to be consistently spending more than the max cashback limit?

If it's for travelling for work like you said (and I guess business expenses are reimbursed), then no harm looking for another card to accumulate more points!

0 comments

ūüĎć 2
Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 05 Nov 2019

I am going to say a unpopular opinion.

No.

If your game plan evolves around cashback cards, getting a miles card is just going to complicate things. Krisflyer miles expire in 3 years so if you don't monitor close enough, it will be gone. And besides, how much miles are you getting each time? Just to give a basic point of view, to redeem a one-way biz class ticket to Malaysia/Brunei, it is from 19,000. A round trip will be 38,000. Bangkok is 21,500 one way, making it 43,000 round trip.

I just want to say, unless you have a gameplan in mind, don't just accumulate miles as a side thing just because it seems to make premium cabins more accessible. Either you don't accumulate enough within 3 years or the miles you accumulate are just too little to be of any use.

Having said that, if you don't mind spending the extra effort to monitor your miles balance, get the DBS Altitude card and Citi Premiermiles card. The points earn don't expire so you can take your time to accumulate enough before converting them to Krisflyer points.

Cheers

0 comments

ūüĎć 0
Jeff Yeo
Jeff Yeo, amateur Social contributor at School of social sharing
Level 7. Grand Master
Answered on 21 Apr 2019

If you can charge your expenses to the company then look into more cash back like Cimb cards or get a miles card like UOB or Citibank

On a side note

If your income is high enough look into the higher tier cards(income 120k and above) that offer free lounge access this will make your travel more comfortable

0 comments

ūüĎć 0
Tay WenHao
Tay WenHao
Level 7. Grand Master
Answered on 20 Apr 2019

Woah I'm impressed how you get to spend $2000 a month to max out UOB One cashback. Mind sharing some tips on your spending?

On side note, definitely once you maxed out UOB you should get another card to maximise your benefits.

0 comments

ūüĎć 0