Asked on 07 Nov 2019
What are your top considerations when choosing the cards?
This question is no longer accepting new answers because it has been merged with What would be the best credit cards to use for online shopping etc, shopee, redmart, for miles?
For online spending, consider getting the following
DBS Woman's world card- 4 mpd (miles per dollar), capped at $2,000 per month- you don't need to be a woman to get this card!
Citi Rewards Visa- 4 mpd, capped at S$1,000 per statement month
OCBC Titanium Rewards- 4 mpd, capped at S$12,000 per year. this is better if you're buying a one-shot big ticket item, as the cap is applied per year rather than per month. You can get both the Blue and Pink version of this card to double your cap
do remember that certain exclusion categories apply (eg insurance, government payments), so be sure to refer to the T&C.
Refer to this guide for more details on what card to use where: https://milelion.com/credit-cards/guide/
I would suggest DBS Woman's World Card (4 miles/dollar for online shopping) because it has a higher cap ($2000/month i.e. 8000 miles/month) and they accumulate your eligible transactions before they award the miles so you don't have any "wasted dollars and cents" that get excluded from calculation. Additional, they provide an auto-conversion to Krisflyer miles at a small fee, if that suits your needs.
There are other alternatives that seem just as good:
Pro 1: Current promotion is not too shabby - you get 12,000 miles for $3k spending in first three months)
Con 1: category specific, even among the online shopping - travel-related ones seem to be excluded; this is not beneficial at all since quite often our large expense is from travel)
Con 2: lower cap of $1000 spending/month
Pro 1 : cap is by per year instead of per month, suitable for people who are buying things that are really expensive at one go
Con 1: lower cap of $12,000/year
Consider Citi Rewards @ 4 miles per dollar capped at $1k monthly. DBS Women's card works well too.
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