Which is the best credit card for miles (no expiry miles) with CardUp? - Seedly
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Tim

Asked on 23 Dec 2019

Which is the best credit card for miles (no expiry miles) with CardUp?

Profile:

  • $50,000 annual income

  • Spends $1,500 monthly online payments to freelancers online (www.upwork.com)

  • Spends $500 monthly on dining/grocery

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Choon Yuan Chan
Choon Yuan Chan
Level 9. God of Wisdom
Answered on 23 Dec 2019

No expiry miles has narrowed down to a few credit cards. I would consider the Citibank premier miles card over dbs altitude. For you see if you can prepay some of your expenses because Citibank has a good sign up bonus miles which needs to be hit and is just slightly above what you spend

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BA
Barry Allen
Level 6. Master
Answered on 10 Feb 2020

Citi PM

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Jacob
Jacob
Level 6. Master
Answered on 24 Dec 2019

Hi Tim, based on the requirement for miles that don't expire, your choices are down to DBS Altitude, Citi PremierMiles and OCBC 90ºN - with the Visa and AMEX variant. These three function pretty much the same way - miles that don't expire, 1.2mpd per local spend and conversion fees to redeem miles with airline partners.

I'd choose Citi PM over the rest because of the greater airline partners (12 versus 4 for DBS and 1 for OCBC) and 2 free airport lounge visits (same for DBS but none for OCBC).

And don't forget to hit the sign up bonuses, which should be pretty easy based on your expenses. All the best!

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

Check which cards give you miles on CardUp(http://Will my spend on CardUp earn rewards on my credit card?).

For no expiry, your only options are:

  • Citi PremierMiles Visa Card

  • Citi PremierMiles American Express Card

  • DBS Altitude Visa Signature Card

  • DBS Altitude American Express Card

  • OCBC 90ºN Card

On this list, the best card is Citi PremierMiles American Express at 1.3mpd. However, the card is being discontinued.

Your next best options are all 1.2mpd, so choose your pick.​​​

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KO
Kenneth ong
Level 3. Wonderkid
Answered on 23 Dec 2019

If you do not want expiry date for miles,I feel dbs altitude is the best card.but the general spend is only 1.2 mpd better to have specialised cards for your expenditure for more points but some got expiry date

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Cedric Jamie Soh
Cedric Jamie Soh
Level 8. Wizard
Answered on 23 Dec 2019

If you want miles to have no expiry date:- citibank premiermiles

No expiry dates, a huge variety of airline miles partner to work with.

one of the best card i use.

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You may consider Citi PremierMiles at 1.2 miles per dollar. For stacks in $5, you may consider DBS Altitude at 1.2 miles per dollar as well.

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