I'm considering between the Citi PremierMiles Visa card, OCBC 90N and DBS Altitude card, which should I get? - Seedly
 

Miles

Citi PremierMiles Visa Card

OCBC 90 Degrees N Credit Card

DBS Altitude Visa Signature Card

MileLion

Asked by Anonymous

Asked on 21 Nov 2019

I'm considering between the Citi PremierMiles Visa card, OCBC 90N and DBS Altitude card, which should I get?

These seem to be the quintessential 3 cards when it comes to spending, any thoughts? I don't travel that much. What are the strongest merits for each and which do you suggest I get?

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Bjorn Ng
Bjorn Ng
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered 4w ago

Well, to keep it plain and simple, OCBC 90N has some promotion now that last till Feb 2020, so that would be my number 1. Next would be DBS Altitude as their promotions are quite good, and last would be Citipremier for the general spend.

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Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Updated on 27 Nov 2019

Here's how I'd approach this question.

Citi PMV has the benefit of the most transfer partners of any bank in Singapore (12 in total). In addition to KrisFlyer, you can transfer points to British Airways Avios (great for short haul economy flights), EVA Air (good value to Japan in Business Class), Etihad Guest (cheap redemptions to Koh Samui), Turkish Airlines (fly to Europe in Business Class for half the price of SQ) and more.

OCBC 90N has fantastic launch promotions.

From now till 29 Feb 2020, you'll earn an uncapped 4 mpd on foreign currency spending, Spotify, Netflix, duty free shopping, Singapore Airlines, SilkAir, Scoot, AirAsia and Jet Star. You'll earn an uncapped 8 mpd on airbnb, agoda, Mr and Mrs Smith, Millennium Hotels and Expedia.

Those are crazy good bonuses, and the highest in the market right now.

DBS Altitude is running some good promos now too-

4 mpd on overseas spending (capped at $7K), and 4 mpd on public transport & Grab/gojek (capped at $1.2K).

Otherwise, all 3 cards are roughly similar in terms of their earn rates for local and overseas spending. The Citi PMV and DBS Altitude Visa have 2x priority pass lounge visits, so see if that's something you need/value too.

Nothing stopping you from getting more than one, obviously (and you can get $250 cash if you're new-to-bank for Citibank)

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Hi anon

In no particular order, here are the salient points of each card:

  • Citi: Most transfer partners, lounge access, accelerated mpd on agoda/expedia/kaligo (useful if you book hotels for others, or for work, and are reimbursed)

  • OCBC: Smaller transfer blocks to your FFP, no fees for transfer, accelerated mpd on overseas spend (for now, till Feb 2020), accelerated mpd on hotel bookings, but no lounge access.

  • DBS: Accelerated mpd on airline and hotel bookings, lounge access

All cards listed don't have expiry on their miles, and renewing them will give you bonus miles.

I'd say all are equally good, but Citi has a slight edge in this aspect due to the increased number of transfer partners. I would compliment my card portfolio with a specialised 4mpd card on the category that you spend the most on a regular basis in order to maximise my earnings.

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I will grab the OCBC 90N because of its ongoing promotions till 2020 Feb

If there are no extra changes after the promotion, I will continue on Citi PremierMiles.

Also, get all 3? and spend on the correct card partner when there is promotion. :)

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Jacob
Jacob
Level 6. Master
Answered 4w ago

As shared by many, all three are pretty similar except for a few factors that differentiates them. They are all good for general spending, but if I have to pick one, Citi PremierMiles could edge out due to the fact that they have the highest no. of partner airlines (12) that you could redeem these miles with.

That said, more importantly if you are a new-to-bank customer for any of these banks, that should be the card you should go for (especially if you have a huge expense coming up) to ultimately leverage on the sign-up bonus. I would recommend staying up to date with all these bonus via:

  • SingSaver or MoneySmart. They regularly share sign-up bonus from the various banks, say $250 for signing up for a Citibank card as a new-to-bank customer.

  • Milelion Roar telegram broadcast channel (https://t.me/milelionroars). They post all (I think?) promotions almost in real time, as well as compile a Weekly Deal Summary to ensure you do not miss out on any promotion. Best of all, it is a channel so no spams! Only the best stuff shared there

All the best!

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SW
Say Wai
Level 5. Genius
Answered on 03 Dec 2019

If you can only choose one no, i’d choose the OCBC 90N. The foreign currency, hotel and sq booking promotions are fantastic and the best part is there are no minimum spending, no caps to earn those bonuses!

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Eveline Lau
Eveline Lau
Level 6. Master
Answered on 03 Dec 2019

All 3 cards' miles never expire. You can just let your miles accumulate with your spending until you need to travel - a lot of people use miles to exchange for Business Class flights for their honeymoon!

PremierMiles have the most partners that you can convert your miles to - however, if you're a strong Singapore Airlines supporter, it wouldn't matter which card you go with (OCBC 90n is currently linked to Singapore Airlines only, DBS Altitude is linked to Singapore Airlines, Qantas and Asia Miles-linked airlines).

Both PremierMiles and DBS Altitude gives you 2 complimentary lounge access via Priority Pass while OCBC 90n doesn't give you any lounge benefits. OCBC 90n however, is linked to LoungeKey, which does not have as strong a network either.

If you're expecting a huge purchase in the coming month or so, why not get more than 1 card then? You can tap on the ongoing promotion with OCBC 90n and DBS Altitude and get a strong start on the miles game!

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Choon Yuan Chan
Choon Yuan Chan
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered on 03 Dec 2019

OCBC 90N is now a strong contender if you are travelling before 28 feb 2020. This is because they are offering upsized airmiles rewards for the travel period of on and before 28 feb 2020.

After 28 Feb 2020. It is anybody's game, if OCBC 90N card does not have any big lobangs then, the Citi premiermiles visa is my preference because it has the most choice of airlines you can choose for to book your flight. DBS, OCBC and Citi have the same 1.2 airmiles per dollar reward program so there is nothing much to choose between them

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GET ALL 3! If you are in the miles chasing game, you will need mulitple cards to maximise your miles earning.

As mentioned by Elijah and Aik Kia, all 3 cards you mentioned have no expiry on the points accumulated. Most miles card provide Priority Pass and give bonus points when you pay for the renewal fees so do watch out for that.

Here are some cards you can consider as well:

UOB Prvi - 1.4 MPD for general spending, up to 4.4MPD for local bus and train rides via mobile contactless

UOB Preferred Visa - 4MPD for contactless payment, capped at $1K

Just to add on, do watch out for signup bonuses, renewal & loyalty fees.

Here are some examples:

UOB Prvi = 10K Miles Welcome Bonus, 20K Miles Loyalty Bonus with min. $50K spending within a year.

Citi Premiermiles = 10,000 miles for paying the $192.60 annual fee

DBS Altitude Visa Signature Card = Receive up to 38,000 welcome miles

Do read their T&Cs to understand how to get the bonus miles & time your big purchases to maximize them! Happy miles-chasing!

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Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 27 Nov 2019

If I am you, I will get all three. In fact, I have all 3.

The 1st common point about these 3 cards is that points accumulated don't expire. So you are not in a rush to earn as many points as possible.

The 2nd common point is that by paying the annual fee, you get 10K miles.

These 2 points help you to formulate a strategy for your ideal flight redemption.

The cards~

1) DBS Altitude Card is good for hotel and air travel bookings: 3 MPD. Also, Priority Pass!

2) Citi PM card is just good to have but not the most exciting. I find it useful when CIti runs promotions with merchants, especially those dining ones. Oh! Priority Pass!

3) OCBC 90N can transfer points over to Krisflyer for free and the minumum amount is 1,000 miles per block. In comparision, DBS and Citi requires 10K miles per transfer block

Unless you really really hated holding on to a lot of credit cards, getting all 3 is not a bad idea.

Cheers

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It depends on your spending. If you want a simple card that works, then consider Citi PremierMiles or DBS Altitude.

Both of these cards work as simple as it needs to be - spend money and get rewarded with miles, e.g. 1.2 miles per dollar for local spending. Additionally, you get to enjoy Priority Longue access whenever you travel.

Of course, if you are into increasing miles within the same span of time, then consider OCBC 90N - it is a specialised card that rewards you a higher rate of miles for specific spending, e.g. 4 miles per dollar on shopping.

Instead of focussing on which card gives the best benefit, spend more time to understand yourself and your spending habit, e.g. do you spend more money online or offline? From there, we can assess the situation better and get the best card for its purpose.

As a side note, you can always own more than one card and combine miles to your preferred airline. (N.B. Do not apply too many cards at once - it may affect your credit rating in the short term)

Here is everything about me and what I do best.

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