Hi Anon, I'd say that the HSBC Revolution Card is superior in almost all aspects to the CITI Lazada Card, unless you live on Lazada. If you'd like to have an in-depth understanding of the CITI Lazada Card, we actually have a question thread wrt the CITI Lazada Card here. Alternatively, you can check out this article by Seedly's content team, and this article by The MileLion. CITI Lazada Card: - 4.8 miles (12pts) per S$1 spend on Lazada - 2 miles (5pts) on dining, transport & more - Shipping rebates & exclusive Lazada deals - Rewards capped at 4k miles (10k pts) per month - S$192.60 fee waived just 1 year - General spend earns 0.4 miles per S$1 To give a general consensus regarding the CITI Lazada Card- most view this card as pointless, as although the 4.8 MPD ratio you get when buying things off Lazada does seem quite generous, you have to keep in mind that CITI cards do not pool their points together. Hence, in order for you to actually accumulate enough miles on this card for a worthwhile miles redemption, you'll have to practically live your life on Lazada in order to get some actual value out of this card. HSBC Revolution Card - 2 miles/S$1 spend on local dining, entertainment & online spend (no min. spend req.) - Online payments for travel bookings, recurring bills & transit payments are rewards-eligible - Annual fee is waived with S$12,500/yr spend - 0.4 miles per S$1 general & overseas spend The most attractive thing about the HSBC Revolution Card would be it's verstaility with online payments, as you earn 2 mpd if you pay online, these include utilities payments, shopping transactions, insurance premiums, education/tution fees. If you use this card for all these online payments, the $12,500/yr spend to waive the annual fee should definitely be achievable! The versatility of the card makes this one of the better cards to have in your wallet if you're looking to be a less active mile hacker, and imo it's definitely a good entry-level card to use for dining, entertainment and online spending. Thus, unless you're looking to spend predominantly on Lazada, I'd suggest you go ahead with the HSBC Revolution Card! It definitely seems like the more feasible card long-term.

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

Hi anon, Looks like you are on the right track. I see that you are maximizing 4mpd spend so you know what your common spend categories are, and you'll also want to add on a general spend card in time to come for non-specialized spending. Keep reading the miles bloggers and you'll do fine in time to come.

At 1.6 miles per dollar, OCBC voyage is probably one of the better cards that you may consider for dining. =) Here is everything about me and what I do best.

You may have to download the specific credit card transaction terms and conditions to see if Singtel Dash is EXCLUDED. My guess is almost or all credit card out there would have excluded Singtel Dash, and set it under topping up of another payment system, and hence no credit card points for such transfer of money anyway.

Depends. You can look into BOC Family card. 10% on Dining, 5% on online shopping. However minimum spend is $700 so you will be putting everything onto your card expense.

If your spending on CC is huge, converting to miles is typically what people do if they have intention of getting a biz flight or first class. You can refer to other articles write up on the calculation. For economy class the ratio is not that worthwhile comparing to biz/1st class. In summary, yes, converting CC points to miles is good only: 1) High spending on CC ($xxxx per month) 2) Redeeming Biz or First class. my 2 cents.