What is best credit card for travel and accumulating miles and what is your view on the Amex Plat card for collecting miles vs OCBC Voyage card? - Seedly
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Anonymous

Asked on 03 Apr 2019

What is best credit card for travel and accumulating miles and what is your view on the Amex Plat card for collecting miles vs OCBC Voyage card?

Miles and credit cards

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The Amex Platinum charge card is not one for collecting miles, the earn rate is terrible.

However, if you can afford that, then the Voyage card is within reach.

Platinum's benefits are quite simply, ridiculous (then again, so is the fee).

https://milelion.com/2019/11/10/2019-edition-how-much-are-the-benefits-of-the-amex-platinum-charge-card-worth/

Voyage card earns a very unique currency, with a very unique feature when it comes to redemption, as detailed here:

https://milelion.com/2018/07/14/how-do-you-get-the-most-out-of-ocbc-voyage-miles/

You can hold both. Amex for the perks, and Voyage for the miles earn. Combined, that will give you a very enhanced travel experience.

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Choon Yuan Chan
Choon Yuan Chan
Level 9. God of Wisdom
Updated on 24 Dec 2019

I think amex plat card might be better for you if you do book expensive places and hotels. This is because they offer you discounts and rebate for places like Hilton etc, plus their concierge allows you to get into restaurant that ordinary folks can't get into. The only downside is that you need to pay a $1000+ upfront membership fee

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Ken K
Ken K
Level 6. Master
Answered on 10 Feb 2020

Both!

amex for benefits

and voyage for miles earning

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pat
pat
Level 7. Grand Master
Answered on 06 Feb 2020

It depends on your spending habits and spending powers. Amex Plat card is the better card of course.

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CS
Chan seng hoong
Level 6. Master
Answered on 05 Feb 2020

Amex plantinum is a better card. Despite its high sign up fee, the bonus it accumulates is a lot for the first few thousands spent on it

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BA
Barry Allen
Level 6. Master
Answered on 05 Feb 2020

Get both cards!

The Amex plat charge is not a card for accumulating miles on but it has great travel perks.

The OCBC (Premier and above) VOYAGE is the absolute best general spending miles card out there at 1.6mpd with opportunities to redeem your VOYAGE miles for flights at supersized value.

With OCBC waiving the annual fee for premier and above VOYAGE clients who spend more than $30k a year on the VOYAGE card, there's no reason why you wouldn't get both cards.

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Sanchit
Sanchit
Level 6. Master
Answered on 24 Dec 2019

Depends what you're looking for.

IF only miles is your game - Voyage

I would do Plat mainly because it has SOO MANY BENEFITS which voyage doesnt even come close

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Cedric Jamie Soh
Cedric Jamie Soh, Director at Seniorcare.com.sg
Level 9. God of Wisdom
Answered on 24 Dec 2019

I think the OCBC Voyage card is better as the miles per dollar is at 2.4

Amex plat card is only arouynd 0.7 miles per dollar.

Amex has annual fees that can't be waived too. Amex however do give a lot of hotel stays, business class discounts, lounge access etc etc.

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Keith Ng
Keith Ng
Level 5. Genius
Answered on 23 Dec 2019

Voyage has tremendous value compared to normal mile redemptions.

https://milelion.com/2018/07/14/how-do-you-get-the-most-out-of-ocbc-voyage-miles/

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Bjorn Ng
Bjorn Ng
Level 9. God of Wisdom
Answered on 22 Dec 2019

For travel, I recommend OCBC 90N! It would be the best one so far for travel - 4 mpd! Till Feb 2020.

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Eveline Lau
Eveline Lau
Level 6. Master
Answered on 06 Dec 2019

AMEX Platinum Reserve or AMEX Platinum Charge? They're very different.

Assuming that you're talking about AMEX Platinum Reserve (since the income requirement is more comparable to OCBC Voyage),

  1. AMEX has higher annual fee

  2. OCBC Voyage's joining and renewal gifts come in the form of miles while AMEX gives hotel night stays (current promotion also includes receiving 50,000 spend S$5,000 within the first 6 months of Card Approval and receive 50,000 Membership Rewards points, which is approx. 27,000 miles)

  3. OCBC Voyage currently has a 2.4mpd rate till end of 2019 while AMEX has a 0.7mpd rate only except for selected partners

  4. AMEX gives users a lot of travel/wellness related benefits - complimentary lounge access etc

  5. Both waives off points-to-miles conversion fees

If you're looking at accummulating/acquiring a large number of miles as fast as you can, OCBC Voyage might be a better option. If you want to indulge in some luxurious pampering, AMEX Platinum Reserve might suit you better.

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It depends on your spending habit.

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 online spending, consider Citi Rewards @ 4 miles per dollar, capped at $1k monthly.

For shopping and entertainment, consider OCBC 90°N CARD @ 4 miles per dollar.

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Miya
Miya
Level 2. Rookie
Answered on 02 Dec 2019

Currently the best card for overseas foreign transaction in my opinion would be the Ocbc 90N which earns 4 miles per dollar, and 8 miles per dollar if booking agoda or expedia via their dedicated link.

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