UOB Preferred Platinum Visa Card
HSBC Revolution Credit Card
DBS Live Fresh Card
DBS Multiplier Account
Asked on 06 Nov 2019
Hi, my strategy would be as below:
1) Use UOB PPV ($1k x 4mpd = 4k miles per month = 48k miles per year, pay annual fee $192) for online transaction and paywave
2) Use HSBC Revolution (2mpd) for school fees (about $5k per year) and insurance (about $2.4k per year) should I top-up GrabPay with this card and then pay for insurance through AXS?) 14.8k miles per year
3) Use DBS Live Fresh for public transport so that I hit another category for my DBS Multiplier.
Appreciate any advice, thank you😁
Looks like you are on the right track. I see that you are maximizing 4mpd spend so you know what your common spend categories are, and you'll also want to add on a general spend card in time to come for non-specialized spending.
Keep reading the miles bloggers and you'll do fine in time to come.
No huge monthly spending nor a traveler, maybe cashback cards are more suitable. Personally I am fresh into the workforce only.
Good strategy. However as barry has mentioned do make use of the grab top up with citibank rewards visa instead of HSBC revolution.
This is because CRV is now earning 4 miles per dollar for grab top up a compared to HSBC revolution. Instead of paying through AXS which is now banned, you can pay your fees using cardup by linking your grabpay master card with it. There may be a small 2.25% fee but it is worth it for the 4miles per dollar
You should consider topping Grab with Citi Rewards VISA card as well and using it as much as possible for your day to day spend. That way, you can earn 4mpd on all transactions since you earn it when you top up Grab and not when you spend. Most transactions will also award grab points which makes the actual earn rate more than 4mpd.
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