[Credit Card] Miles

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Many people asked me about travel oriented credit cards. So which 1 to get? There is never a 1 card to own them all kind of credit card. So I recommend a combo to maximize your mileage accrual and travel benefits.

Here are 56 travel oriented credit cards that occupy a place n my wallet and how to use them.

PremierMiles

Citibank PremierMiles Visa Signature Credit Card

PrviMiles

UOB PrviMiles World MasterCard Credit Card

Altitude Amex

DBS Altitude American Express Credit Card

Altitude Visa

DBS Altitude Visa Signature Credit Card

[NEW!] American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

ANZ Travel Card

ANZ Travel Card Visa Signature Credit Card (Soon to be gone…)

Travel Credit Card Comparison

Travel Credit Card Comparison

From above table, you will be able to see cells highlighted in green or red. Green means best in category while red means poor. As a starter, will recommend the following cards:

American Express Singapore Airlines KrisFlyer Credit Card.

The good:

  • Annual Income requirement: SG$30,000. (SG$60,000 for foreigners.)
  • 5,000 miles on 1st transaction which will effectively give you an earn rate of 5,000 miles per SG$1 if you charge just SG$1 on your 1st transaction. (No other credit card can beat this kind of earn rate.)
The bad:
  • Earn rate of miles is still quite lousy even after improvement. (Other than welcome bonus.)
  • Miles will be subjected to a 3 year expiry as they are directly transferred to your Singapore Airlines KrisFlyer account immediately.
  • No airport lounge benefit.
  • Travel insurance coverage is quite minimal. (Need to charge full airfare to credit card to enjoy benefit.)
The ugly:
  • No annual fee renewal bonus. So never ever pay for annual fee for this credit card. If you have an American Express Platinum Credit Card, it will be waived. If not, kill this credit card when they charge annual fee. You can reapply 6 months later with annual fee waived for 1 year.

Bottom line:

  • Use this as your Singapore Airlines KrisFlyer membership card after 1st transaction.

DBS Altitude Visa Signature Credit Card

The good:

  • Annual income requirement: SG$30,000.
  • Decent earn rate. (1.2 miles per SG$1 locally, 2 miles per SG$1 after FX conversion for transactions performed using FX and 3 miles per SG$1 on Singapore Airlines.)
  • 10,000 miles renewal bonus by paying annual fee of SG$192.60. (Earn rate of 51.92 miles per SG$1.)
  • No expiry for miles till transfer to programs.
  • Priority Pass.
  • Travel insurance coverage of up to SG$1,000,000. (Need to charge full airfare to credit card to enjoy benefit.)

The bad:

  • No welcome bonus.
The ugly:
  • Block redemption requirement. (10,000 miles per 5,000 points.)

Bottom line:

DBS Altitude American Express Credit Card

The good:

  • Annual income requirement: SG$30,000.
  • Decent earn rate. (1.2 miles per SG$1 locally, 2 miles per SG$1 after FX conversion for transactions performed using FX and 3 miles per SG$1 on Singapore Airlines.)
  • 10,000 miles renewal bonus by paying annual fee of SG$192.60. (Earn rate of 51.92 miles per SG$1.)
  • No expiry for miles till transfer to programs.
  • Travel insurance coverage of up to SG$1,000,000. (Need to charge full airfare to credit card to enjoy benefit.)

The bad:

  • No welcome bonus.
  • No airport lounge benefit.
The ugly:
  • Block redemption requirement. (10,000 miles per 5,000 points.)

Bottom line:

  • Pay annual fee for renewal bonus.

ANZ Travel Card Visa Signature Credit Card

The good:

  • Annual income requirement: SG$30,000. (Advertised to be SG$60,000. 50% discount! Woo!)
  • Decent earn rate. (1.4 miles per SG$1. Good for local not good for overseas as it will stay at 1.4 miles per SG$1.)
  • No expiry for miles till transfer to programs.

The bad:

  • No annual fee renewal bonus. So never ever pay annual fee for this credit card.
  • No airport lounge benefit.
  • No travel insurance benefit.
The ugly:
  • Block redemption requirement. (5,000 miles per 5,000 points.)

Bottom line:

  • Use this card only if you travel to Australia and New Zealand regularly.

Once your income increase to SG$50,000 per annum, that is when a new world opens up for you. 3 more credit cards can come into play.

American Express Singapore Airlines KrisFlyer Ascend Credit Card.

(Note: You can only hold 1 American Express Singapore Airlines branded credit card and no more than 2 American Express issued credit card at any time. Credit limit will also be split among 2 credit cards evenly.)

Ascend

American Express Singapore Airlines KrisFlyer Ascend Credit Card

The good:

  • Annual Income requirement: SG$50,000. (SG$60,000 for foreigners.)
  • 5,000 miles on 1st transaction which will effectively give you an earn rate of 5,000 miles per SG$1 if you charge just SG$1 on your 1st transaction. (No other credit card can beat this kind of earn rate.)
  • SATS Premier Lounge and Plaza Premium Lounge benefit.
  • Travel insurance coverage of up to SG$1,000,000. (Need to charge full airfare to credit card to enjoy benefit.)
The bad:
  • Earn rate of miles is quite lousy even after improvement. (Other than welcome bonus.)
  • Miles will be subjected to a 3 year expiry as they are directly transferred to your Singapore Airlines KrisFlyer account immediately.
The ugly:
  • No annual fee renewal bonus. So never ever pay for annual fee for this credit card. Kill this credit card when they charge annual fee. You can reapply 6 months later with annual fee waived for 1st year.

Bottom line:

  • Use this as your Singapore Airlines KrisFlyer membership card after 1st transaction.

Citibank PremierMiles Visa Signature Credit Card

The good:

  • Annual income requirement: SG$50,000.
  • Decent earn rate. (1.2 miles per SG$1 locally and 2 miles per SG$1 after FX conversion for transactions performed using FX.)
  • 10,000 miles renewal bonus by paying annual fee of SG$192.60. (Earn rate of 51.92 miles per SG$1.)
  • No expiry for miles till transfer to programs.
  • No block redemption requirement.
  • Priority Pass.
  • Travel insurance coverage of up to SG$1,000,000. (Need to charge full airfare to credit card to enjoy benefit.)

The bad:

  • No welcome bonus.

The ugly

  • Block redemption requirement (10,000 miles per 10,000 points with effect from 30 March 2017.)

Bottom line:

  • Use this card on day to day basis especially overseas or online. Always specify to pay in local currency when given a choice for maximum earn rate.
  • Priority Pass.
  • Pay annual fee for renewal bonus.

UOB PrviMiles World MasterCard Credit Card

The good:

  • Annual income requirement: SG$50,000. (Advertised to be SG$80,000. SG$80,000 required for foreigners.)
  • Best earn rate. (1.4 miles per SG$1 locally, 2.4 miles per SG$1 after FX conversion for transactions performed using FX and 3 miles per SG$1 on Singapore Airlines.)
  • Travel insurance coverage of up to SG$1,000,000. (Need to charge full airfare to credit card to enjoy benefit.)
  • JetQuay.

The bad:

  • No welcome bonus. (I got this card when there was a welcome bonus promotion. 15,000 miles by paying annual fee of SG$256.80. 58.41 miles per SG$1. Decent earn rate.)
The ugly:
  • Block redemption requirement. (10,000 miles per 5,000 points.)
  • 2 years point expiry. (Combine with block redemption requirement = FUGLY.)
  • No annual fee renewal bonus. So never ever pay annual fee for this credit card.

Bottom line:

  • Get this just for JetQuay.

Disclaimer: Use credit card responsibly.

[Travel] Singapore Airlines (SQ) Suites/Economy Class SIN-HKG: Booking Award Flight

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Singapore Airlines (SQ): “A great way to fly”. Pride of Singapore and one airline that I feel lives up to its slogan. (Way better than an airline that used to brag that they are a World’s 5 stars airline. They have dropped that slogan BTW.)

Usually I try to fly via SQ if possible. However, I am also ok with their subsidiary Scoot (Not TigerAir though. I hope SQ kills it.), Jetstar, British Airways and United Airlines. So far I had good experiences with these airlines. But nothing beats complete package of SQ. As their recent campaign says: “No detail is too small”. Their cabin is quite well maintained even on older aircrafts like A330 and service from Singapore Girls and Gents are impeccable.

From 25th to 27 January 2016 (Next Monday to Wednesday), I will be making a trip from Singapore to Hong Kong with a visit to Guang Zhou in between using train from Hong Kong. So I started booking my air tickets with SQ using my KrisFlyer miles.

I have a total of 44,625 KrisFlyer miles in my account which is sufficient for Suites one way on A380 and return via Economy Class. So I booked my flight out on Suites so that I can enjoy The Private Room in SQ SilverKris Lounge at Changi Airport Terminal 3.

SQSuitesMiles

SQ Suites Miles (Save SG$2,760.)

SQSuitesCost

SQ Suites Cost

SQEconomyMiles

SQ Economy Miles (Save HK$3,830. SG$719.19.)

SQEconomyCost

SQ Economy Cost

From pictures above, you are able to see amount of KrisFlyer miles and surcharges required. SQ Suites cost me 31,875 KrisFlyer miles with surcharge of SG$38.50 while SQ Economy class cost me 12,750 KrisFlyer miles and HK$194. (SG$36.43.) Total saving amount to SG$3,479.19. However, I have selected a Preferred Seat (Exit Row.) on my Economy Class flight. That cost US$40 (HK$310 or SG$58.21.) and so total savings drop to SG$3,420.98.

You may be asking how come there are Saver, Standard, Full and how come miles required is stated to be more than what I have mentioned. Airlines usually set quota for amount of seats offered via award with Saver given least amount of seats as it has lowest miles requirement. As for miles required, even though box stated that miles required is 37,500 for Suites for example, it works out to 31,875 miles as a 15% discount is given for online redemption. Redemption offline via SQ Call Centre or Service Centre at Ion Orchard will be charged at full. Do that only if you are redeeming an award flight operated by another Star Alliance airline or trying to do up a super complex itinerary. (Looking at my friend at Global Travelogy. LOL!)

Next, you may ask what is waitlist. It simply means waiting list. That means quota is full for that level and you will be put on a waiting list if you choose that. Waitlist bookings may only receive confirmation as late as 24 hours before flight and miles will only be deducted when you decide to book when available. Alternatively, you can check for award availability on Star Alliance partner airlines (For same amount of miles without discount.) via SQ Call Centre/Service Centre or book an award of higher level.

Hope that gives you a good introduction to redeeming flights with miles. Will be sharing more about miles in future posts. Watch for them.