In light of the new SimplyGo, should I use my DBS Visa Black Card that has a higher miles earn rate, or my Citi PremierMiles Card which has no expiry for miles, but a lower earn rate? - Seedly
 

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Citi PremierMiles Visa Card

Asked by Anonymous

Asked on 15 Jun 2019

In light of the new SimplyGo, should I use my DBS Visa Black Card that has a higher miles earn rate, or my Citi PremierMiles Card which has no expiry for miles, but a lower earn rate?

Comparison between the DBS Visa Black Card and Citi PremierMiles card

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Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 02 Aug 2019

I think it depends on how fast you will be using the miles. In my opinion i will use Citi PM card.

DBS points earned via the DBS Visa Black Card expire within a year of earning so if you can hit the minimum transfer block (5,000 points) within a year, go for it. Otherwise, I would stick to Citi PM card as it is has no expiry so I can plan longer and not be rushed by 1 year expiry date.

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Zen Rogue Xuan
Zen Rogue Xuan
Level 6. Master
Answered on 27 Jun 2019

This would depend on when you wish to spend the miles. A good rule of thumb is to look at when you wish to spend your miles. If you have/are going to buy big ticket items and subsquently will redeem the miles, then it would be wise to use the higher mile earning rate DBS Visa Black Card. On the other hand, if there is no foreseeable big spending/redemption, then it would be a beter choice to utilize the Citi PremierMiles Card instead.

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