MileLion - Seedly
Seedly logo
 

MileLion

Travel Better For Less

Questions answered
  • Recent Activity
  • Unanswered
  • Trending

Investments

Property

Loans

Retirement

CPF

Savings

Family

SG Budget Babe

MileLion

What are the significant expenses ahead that I should start planning for, as a young guy who is getting married soon? Wedding, housing, car, kids, parents etc. How are you planning for retirement?
Choon Yuan Chan
Choon Yuan Chan
Level 9. God of Wisdom
Answered on 24 Dec 2019
You name most of them already. As for the planning for retirement part, i am actively expanding my knowledge on investing so that i can improve the rate of returns on my savings by being able to invest effectively and efficiently
👍 3

MileLion

Payments

Credit Cards

Cashback

I'm a working adult in my 30s and have never owned a credit card. I now realise the usefulness and benefits and would like to take the first step. Can anyone recommend 2 cards and why?
Hi anon, There are two types of cards out there, those that reward cashback, and those that reward miles. You should decide which camp you wish to be in. It's not impossible to be in both, but it's probably not very efficient either. I find that cashback, while simple to understand, is just that. A rebate of some form. Miles actually presents a kind of game that's easy to pick up but difficult to master. Cashback, you spend, you get cash back. Done. Sometimes, you don't get a lot due to the lack of your minimum spend. Sometimes you get a lot, but then you get capped at the maximum possible cashback awarded that month. Miles, you spend, you get your miles. No matter how much you spend, a little or a lot. You are usually not capped on how many miles you can earn. I am not a cashback person, so from my point of view, I'll only be able to suggest 2 cards for miles. You can consider the DBS Altitude or Citi PremierMiles. Both cards give a decent rate of 1.2 miles per dollar (mpd) on general spend. You'll also want to examine your expenditure patterns and get a card that awards more on bonus spending such as dining. Such cards award 4mpd. Check out this link for more information: https://milelion.com/credit-cards/guide/ For cashback, if you really wanted a card, just pick any card that has unlimited cashback with no caps, and another which has bonus cashback upon a certain minimum spend (but you should only spend up to that amount, and then put the rest on the other cashback card). SCB Unlimited Cashback/AMEX Truecash back should be your general cashback card, but for the specialised/bonus cashback card, you will have to do a bit of research.
👍 6

MileLion

Income Tax

Credit Cards

Miles

OCBC 90 Degrees N Credit Card

Will using the OCBC 90ºN card via CardUp to pay income tax still earn 1.2 mpd, given the upcoming category exclusions/$5 blocks OCBC will be putting in place?
Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered 4w ago
Yes, CardUp payments will still earn 1.2 mpd with OCBC cards. The $5 earning blocks have nothing to do with that.
👍 2

Credit Cards

Citi Prestige Credit Card

MileLion

COVID-19

Any chance of getting a waiver on the annual fee for Citibank Prestige card given current Covid situation? I understand you can't waive it under normal circumstances. Anyone managed to get a waiver?
Aaron Wong
Aaron Wong
Level 6. Master
Answered 4w ago
To echo EC, nope. Citi is telling customers that it's the same offer as before- pay $535 annual fee and get 25,000 miles, or don't pay and cancel the card. It's surprisng to me they're not making a bigger effort to retain their key customers in a time like this, but that's their decision to make I guess.
👍 1

Credit Cards

Citi Rewards Credit Card

MileLion

Miles

For the recent Citibank Reward Visa card promotion where every dollar spent will earn us 8 miles, does it apply to shopee top up?
Tay WenHao
Tay WenHao
Top Contributor

Top Contributor (Jun)

Level 7. Grand Master
Answered on 01 Jun 2020
I dont have CRV but based on my other cards, yes. As banks used MCC to determine the rewards and cashback eligibility, it should be the same for most unless specifically excluded by bank. However, an easy way to test out is to make a small amount topup. After you checked and make sure got points then you do lump sum. Also, everytime before lump sum you should check again. Banks can change the terms accordingly. May work this month but not next month.
👍 0

MileLion

Citi Prestige Credit Card

OCBC VOYAGE Card

Miles

Credit Cards

Between Citi Prestige and OCBC Voyage, which is the better mid-tier card?
Both cards are pretty similar in that they allow you to effectively buy miles from the annual fee, and have unlimited lounge access (but Voyage works with Plaza Premium whereas Prestige works with Priority Pass, which has more lounges and includes some Plaza Premium lounges as well). Their earn rates are quite comparable as well. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. Voyage miles are extremely flexible in that they can be used to offset revenue airfare payments. So in the end, they are both unique in their own ways. If you could, take both. There's no harm in that.
👍 5

Credit Cards

MileLion

Citibank

Has anyone had their Citi Premiermiles card approved recently? Applied to get the SingSaver AirPods Pro promotion, and it's been 2+ weeks waiting for approval. Does Citi always take this long?
Jennifer Franslay
Jennifer Franslay
Level 4. Prodigy
Answered on 25 May 2020
I applied earlier this month for the Singsaver $200 cashback via paynow! My application was approved within 3 working days and I received my card within a week after approval. :) Have yet to receive the $200 though haha, will update when it's in
👍 1

MileLion

Miles

Cashback

DBS Altitude Visa Signature Card

AMEX Singapore Airlines KrisFlyer Credit Card

Standard Chartered Unlimited Cashback Credit Card

OCBC 90 Degrees N Credit Card

Which card should I use to maximize rewards for Thomson Medical Centre bill?
Lok Yang Teng
Lok Yang Teng
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered on 21 May 2020
You can use OCBC 90N to earn miles for transactions in private hospitals since they are excluded in June's admenment of the card's terms and conditions. For OCBC Titanium, the terms and conditions for the card explicity states what are considered eligible spending catergories for the 10x OCBC$ Reward. All other retail spend will earn 1 OCBC$ which is equivalent to roughly 0.4 mile. If that's the case, 90N would be a better choice since it gives 1.2miles per $1 (local) spend, which is 3x more. https://seedly.sg/questions/what-is-the-mcc-code-for-thomson-medical-centre-is-it-good-to-pay-with-ocbc-90n-any-advice
👍 1

Miles

MileLion

Credit Cards

OCBC 90 Degrees N Credit Card

What is the MCC Code for Thomson Medical Centre? Is it good to pay with OCBC 90N? Any advice?
Lok Yang Teng
Lok Yang Teng
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered on 18 May 2020
TMC has MCC 8062 like others, but it is a private hospital. 1.6.2 did not exclude private hospitals, else it would have stated all under MCC 8062, hence you should still be able to earn miles with OCBC 90N. You can take a look at a related article here.
👍 0

MileLion

Citi PremierMiles Visa Card

UOB PRVI Miles Card

DBS Altitude Visa Signature Card

Miles

Credit Cards

OCBC 90 Degrees N Credit Card

Does the new DBS Altitude promotion give it the edge against other lifestyle cards like the CitiPM, OCBC 90 Degrees Card and UOB PRVI Miles card?
pat
pat
Level 7. Grand Master
Answered on 10 Feb 2020
Yes, promotion miles are promotion miles. if you can meet the requirement for the promotion, go for it.
👍 0
Load more questions