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Milelion

Travel Better For Less

Aaron Wong
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A QnA Platform For Miles Junkies, By The Milelion !

Welcome to The Milelion's QnA Community! This community is for miles and points enthusiasts to learn and share new ways of traveling better for less. Credit card points question? Want to deepen your knowledge of hotel and airline loyalty programs? Have questions on current deals? You can simply ask here!

Let's help each other out in this journey! If you are shy...you can always ask your questions anonymously!

This topic QnA page is hosted by Aaron Wong, Founder of the Milelion.

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Milelion

Credit Card

Citi PremierMiles Visa Card

HI anon, Citi PM is a very decent general spend card which you can put any non-specialised spend on. The miles do not expire, similar to OCBC 90N and DBS Altitude. However, better general spend cards such as BOC Elite miles and UOB Priv Miles exist, but they have an expiry on their miles, so there will be a need to ensure you can burn what your earn. I like the fact that Citi PM can earn 7/10 mpd on hotel stays through Expedia/Agoda/Kaligo, which can lead to massive boosts in accural (imagine if your company reimburses you for hotel stays on business trips). What is 'best' has no clear answer since it does depend on your expenditure patterns and where you can maximize it. In general, you can look at your spending categories and have a 4mpd card for those. Overseas spending is currently boosted by 4mpd on OCBC 90N till end Feb 2020, so go for that if you're travelling. Priority pass has its perks as well, and you can add a second one via DBS Altitude for more visits, since both cards earn miles that never expire.

Milelion

Miles

Hello, Yes, all return flights on Economy Saver redemption are 76K miles, at least till the next devaluation. But please don't do that. Business class awaits at 70% more miles, and you could easily get an economy ticket with cash. Business class tickets are almost 3x to 4x the price. If you can't find Saver space, try Star Alliance Partner awards rather than Krisflyer Advantage. Turkish, Thai, SAS, Swiss and Lufthansa are good options too. You just need to find award space, which can be very tricky. Alternatively, wait for spontaneous escapes where business class redemptions can be discounted by 30% of the miles needed, representing very good value. A business class ticket to Europe, even if it is not a city you wanted to visit (e.g. Düsseldorf), is still a very good way to get there in comfort, and the rest of Europe is at most, a 2-3 hour domestic flight away. You'll have to fly on short notice however (1 month or less) You'll have to pay taxes and fees. Note that departing from UK airports is notoriously expensive due to the Air Passenger Duty, so departing from other countries back to Singapore might be a better option. (You can always take the Eurostar from London to the rest of continental Europe)

Milelion

AMEX KrisFlyer Ascend Card

Depends on your needs. Some of the perks that I like include a complimentary stay and the ability to choose my room (I like high floor with good views). Of course, not everyone is into their rewards programme. Hence, it will depend on what you want.

Milelion

Citi PremierMiles Visa Card

Do note, (mini hack!) Citi's PM priority pass works on a calendar year basis. So if you got your priority pass now with a validity till Nov 2020, flew off in December 2019, used it twice, cancelled your Citi PM in June 2020, then flew in July 2020, your priority pass should still be valid for use. So that's 4 uses for a single year of validity.

SeedlyTV EP02

Miles

Milelion

I didn't actively hack miles, and have mostly accumulated them on Citi PM. Having said that, I have close to 300K miles now due to maximizing stuff like 10mpd on Kaligo, 7mpd on expedia (book for your family and friends!), and the occasional spend on certain Citi PM promos, as well as overseas spend on my holidays. At a 1.8 cpm, that's around $5400 worth. I estimate that I have clocked around $120K (probably?) on my Citi PM over the past 6 years, and only really because I put most of my wedding expenses on it during the CNY miles promotion earlier this year, if not the number would probably be far lower. That means that maximizing my promotions and bonuses, I nett almost 2.5mpd on my spend, and that's with the fact that Citi PM doesn't really have specialized categories per se. Yes, I really should work on maximizing the 4mpds. So $5.4K/$120K is around a 4.5% rebate. Beat that, cash back! Anyway. 300K miles is pretty much 40K miles plus a return suites class to Newark on SQ's A380, which itself retails for $19.8K if you're leaving a month from now. If I cashbacked, I would have probably gotten $1.8K-ish of cash back. So there's a reference point for you. This does depend on how much I really did spend on my Citi PM all these years, $120K being a reasonable estimate, but I would have to dig 6 years of statements to get the number, which I'm not about to start doing.

Milelion

Tay WenHao
Tay WenHao
Level 6. Master
Answered 9h ago
Hi just wondering why are you looking at miles as a student? Do you spend a lot or travel a lot? My personal story/encounter is that I started off with a cashback card because I feel that the returns are much more tangible and its 'immediate'. It's also easier to sign up for a cashback card as a student. You can take a look at Maybank eVibes card with offers 1% cashback on all spend. (Doesnt sound like alot but its a good start without much of a requirement) Just my 2 cents opinions, do share with me your views as well maybe I missed out something on the miles game.

Milelion

Typically within 24 hours. if it takes longer than that, it means points.com may not like your SG-issued credit card. I can't explain why, but it happens for some people. the transaction will automatically be cancelled if they dont charge your card, and the hold on your funds removed.

Credit Card

Miles

Milelion

Hi anon, There are multiple entry level miles card out there. Assuming you have no issues with the income requirement of $30000/yr, you'll want to consider miles cards based on some of the following major factors: - Miles earn rate (local/overseas) - Bonus miles earn rate - Any miles with your Annual Fee - Lounge Access - Transfer partners - Miles expiry - Transfer blocks - Transfer costs You can consider these few cards for starters on general spend: 1. OCBC 90N 2. Citi PM 3. DBS Altitude 4. BOC Elite miles Then, see which categories you spend more on, and find a specialised spending card to maximize that category. All the best!

Milelion

Credit Card

Miles

A full listing of sign up bonuses can be found here: https://milelion.com/credit-cards/current-credit-card-signup-bonuses/ Be sure to look at the T&C for exclusion categories (e.g. the SCB X Card excludes Cardup, ipaymy, RentHero, among other payments).

Milelion

Miles

Credit Card

If you have a big one-time expenditure coming up, it's highly recommended you look at sign up bonuses to get the most miles out of it. A full listing can be found here: https://milelion.com/credit-cards/current-credit-card-signup-bonuses/
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