Which Miles cards should I use with Miles which do not expire? Are there any hacks and tips for this type of cards? - Seedly
 

Miles

Credit Card

Travel

MileLion

Asked by Anonymous

Asked on 11 Nov 2019

Which Miles cards should I use with Miles which do not expire? Are there any hacks and tips for this type of cards?

Thinking about ways to maximise my card points and hopefully not expiring because I have no trips planned out yet.

0

Answers (8)

Sort By

Most Upvote

  • Most Upvote
  • Most Recent

Hi anon,

I personally use Citi PM due to the fact that their miles never expire. Even with occasional bonuses on spend (such as Kaligo/Agoda, etc) and the few promos here and there that Citi throws out to reward long time card holders, I personally don't spend much and have only around 300K miles after 6 years. So I can understand why you'd prefer a card with no expiry on the points earned. But at some point, you will need to spend them.

The other card that has this feature is the DBS Altitude. Between this and Citi PM, as well as paying off their annual fees, you should be able to generate a decent cache of miles. Just a word of caution: Don't feel pressured to spend just to earn miles. Your cash is still king.

If you qualify for the mid-tier cards, Thankyou points on Citi Prestige or 360 rewards on SCB X card do not expire.

0 comments

7
Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered on 12 Nov 2019

If you're looking for mass-market ($30K income requirement) miles cards which earn points that don't expire, consider:

  1. DBS Altitude

  2. Citi PremierMiles

  3. OCBC 90N

UOB PRVI Miles points expire after 2 years, BOC Elite Miles between 12-24 months.

Once you tranfser your points to KrisFlyer, you get another 3 years.

That said, don't hold on to your points forever- FFPs devalue every 3-4 years, and the longer you wait, the more you risk getting caught out.

0 comments

3

Not sure what you mean exactly but at least for DBS and Citibank, if you keep points with bank and don't convert into miles program then there is no expiry.

0 comments

1
Jacob
Jacob
Level 6. Master
Answered on 06 Dec 2019

The responses so far should be a good gauge of the cards you can look to apply for.

Hacks and tips wise, every card has slight benefit over others so there isn't one clear winning card. Could be worthwhile to consider having a number of cards as explained here (https://milelion.com/2019/09/21/miles-game-starter-pack-four-credit-cards-you-need-to-get-going/).

Just to chime in, it could also be good to consider begining the miles journey with an end goal in mind in terms of the redemption you are aiming for, and sticking with it over the long run. That way, you remain in check of your progress and motivated in this miles game.

0 comments

0

Devaluation of miles is very painful. Aaron has given a very good answer on miles card that doesnt expire, but I would recommend you have a view on when your trips are going to happen, and use the appropriate high yielding miles card based on your trips.

0 comments

0
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 06 Dec 2019

Citibank PremierMiles (I'm using this) and DBS Altitude.

0 comments

0

I will go with Citi PremierMiles. It is a simple utility card that works for most purposes.

Here is everything about me and what I do best.

0 comments

0
Kenneth Chan
Kenneth Chan
Level 5. Genius
Answered on 12 Nov 2019

Also to note that although your miles do not expire, many airline programs devalue their miles over time. So if you are "playing" the miles game you should not concern so much about miles expiry but how to extract the most amount of miles over the shortest period of time possible for redemption. This may include signing up multiple cards and cancelling them once the "bonus" is used up. Too much hassle for me, but good luck if you wanna track to "hack miles"!

0 comments

0