Asked by Anonymous
Asked on 28 Aug 2019
Looking to get a card for everyday expenditure and maybe for a couple of shopping and items during the electronic fair next weekend!! :)
As far as I know, OCBC N90 card does not charge conversion fee when you convert your points to mileage but Citi does. The downside for OCBC is you can only convert to Krisflyer miles while Citi has a lot more airline partners. However, if you only intend to convert to Krisflyer miles, then the OCBC card makes more sense since there is no conversion fee.
Out of curiosity... are you in time to get a credit card for spending next weekend even?
I personally use Citibank PM card, for these following reasons
more airlines partner (like Cathay and Qatar). You must consider if you can even find the ideal award flights in SQ and also the points needed. For example, Qatar requires more miles than Cathay for the flights/routes I’ve redeemed so far!
2x priority pass lounges per year! OCBC N90 doesn’t offer that but I believe you can pay a discounted rate for it
and if you ever decide on using Citibank PM, I will recommend you to pay the annual fees to get the 10k miles! It’s definitely worth it!
06 Sep 2019
06 Sep 2019
If your everyday spending includes paywave, UOB PPV is better. Otherwise, BOC Elite Miles is better as it has the highest mpd rate among general spending cards.