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Optimising your daily spending

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MileLion

Credit Card

KrisFlyer

Choon Yuan Chan
Choon Yuan Chan
Level 8. Wizard
Answered 1d ago
The current rate is 1500 Grab reward points to 160 Krisflyer Miles. For platnium, it is 1400 grabreward points for 160 Krisflyer In terms of Grab credit redemption, it is 500 Grabreward points for $1. So if you convert it is about $3 for 160 Krisflyer miles, it is 1.87 cents per miles or for platnium members, it is 1.95 cents per dollar. Given this rate and if you are a miles accumulator, it is worth it to redeem your grab points for Krisflyer miles because it is around what many people value their miles for - 1.8 cents per miles

Credit Card

Lifestyle

KrisFlyer

MileLion

Wallace Chai
Wallace Chai
Level 8. Wizard
Answered 1d ago
Can go for citi premiermiles amex card. Includes insurance, lounges access and miles will not expire.

Credit Card

MileLion

Bjorn Ng
Bjorn Ng
Level 8. Wizard
Answered 2d ago
Yes, you can. Just take note that you can only cancel the card after 6 months, and once cancelled, there is this "cooling" period (I think it's 1 year?) whereby if you sign another CC with that bank, you will still be considered as an existing customer. But do take note though, certain banks will still reject your application (probably later on down the road) if they see your record that you will do this. Haven't faced any of this yet personally.

MileLion

Credit Card

Payments

Hi Joanne, General spend: Citi Premier Miles @ 1.2mpd with no expiry Dining: UOB Lady's Card @ 4mpd capped at $1K/mth Online: DBS Woman's World @ 4mpd capped at $2K/mth or Citi Rewards Visa @ 4 mpd capped at $1K/mth Hope that gets you started!

Credit Card

MileLion

Wallace Chai
Wallace Chai
Level 8. Wizard
Answered 1d ago
Usually no minimum period but there is lock up period if you want to reapply for one.

Credit Card

Fave

You will have to check with the salon on its MCC. For general cards, consider Citi PremierMiles at 1.2 miles per dollar. For stacks in $5, consider UOB PRIV Miles @ 1.4 miles per dollar. For shopping and entertainment, consider OCBC 90°N CARD @ 4 miles per dollar. Here is everything about me and what I do best.

MileLion

SG Budget Babe

Cashback

Credit Card

Most of the time, all your reward points, miles, cashback etc will be forfeited. They won't be transferred to other people. However there is a caveat, this usually doesn't happen unless the bank or FFP knows you are dead. So it's important that a trusted family member have emergency access to your accounts in the event of an unexpected passing. They can at least log in on your behalf and transfer the miles out to a FFP for redemption in future. Think of it as a sort of 'Will' for your subscriptions and such. Ultimately, nothing beats a proper will with clear instructions and a schedule of assets to help the surviving family members sort things out.

MileLion

SG Budget Babe

Cashback

Credit Card

Miles

Hi Sheena, This really depends on whether you want cashback or miles, but you have tagged both, so I will try to answer your question on both fronts. Cashback - You'd want a cashback card with increased cashback on your major spending categories. OCBC 365, DBS Live Fresh are some of these cards which can offer increased cashback. However they have a minimum spending requirement to activate the cashback, one cent lesser and you won't be getting much benefits at all. If you feel that meeting the minimum spend may be an issue, then get an unlimited cashback card like AMEX true cashback or SCB Unlimited cashback (either one is good enough, then cancel before annual fee is due, and switch over to the other) Miles - This link details the type of card you should put your spend on to maximize. https://milelion.com/credit-cards/guide/ Get a general spend card first, and then one or two more to maximize your spending on F&B, Beauty and Online shopping.

MileLion

Credit Card

OCBC 90 Degrees N Credit Card

Wallace Chai
Wallace Chai
Level 8. Wizard
Answered 1d ago
Great card! If you going to get it, make sure dont miss out the promotion period where you can get 4miles for every dollar spend in overseas until 29 feb 2020. Good to use for travelling during coming CNY overseas trip i think. Then spending on travel booking hotel website like agoda and expedia via OCBC link will give you 8miles per dollar spend with no cap! Booking for flight ticket SQ, SCoot, Silkair, aisasia also can give you 4miles per dollar spend before 29 feb 2020. What's more? Miles never expire so you can earn them for as long as you like. Drawback is no lounge benefits.

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DBS Multiplier

Investments

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Fresh Graduates

Bank Account

Credit Card

Arpita Mukherjee
Arpita Mukherjee, Community Evangelist at Kristal.AI
Level 6. Master
Answered on 22 Oct 2019
Hello! Since this a new space you are entering, I'd suggest that the first thing you do is read up and try to understand the basics of investments. And then once you're through with that, go for a robo-advisory platform to do the job of assessing your current financial position and recommend a portfolio strategy after reviewing your risk profile. As for the "catch", I would say that Robo-advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.
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