Asked on 04 Jan 2020
Should I focus on one card since they're both general spend cards and maybe apply for a new specialised card? or is it worth keeping both due to their versatility?
There's no issue to keep both.
Citi PM has multiple transfer partners, and DBS Altitude has good earn rates on SQ (3mpd, although you might want to use a 4mpd card such as WWMC (which does have a lower cap).
Since miles earned on both cards don't expire, you can quite safely keep both. In fact, I see paying the annual fee as a way to buy miles on both. If you don't want to pay the annual fee, then DBS does have a fee waiver if you spend more then $25K a year.
Still, the best thing you can do is to also get a 4mpd card for specialized spend so that you can get more out of your spending.
I have a Citi PremierMiles Visa with around 10,000 miles and a DBS Altitude Visa with 0 points. Does it make sense to keep both? If not, which should I cancel?
Personal opinion, keep both. Both allows you to "buy" miles when you pay the annual fee and the miles don't expire, so you can slowly accmulate towards your dream redemption.
Besides, if you only have these 2 cards, DBS Altitude Card allows you to earn 3mpd when you buy air tickets and book hotels online, so that helps to boost your miles earning rate.
That is a good question indeed. I suggest that you keep both cards since miles earned on your Citi P...
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