[Travel] Cathay Pacific (CX) Premium Economy Class HKG-SIN: Booking Award Flight


Another flight in 2 weeks time again to Hong Kong. As usual, flying out on Singapore Airlines Suites on boxing day morning using my miles. Will be in The Private Room on Christmas night to enjoy my Christmas dinner.

So what’s new on this trip? Let’s start off with the return flight. This time round, I will not be returning on a Star Alliance carrier. I will be returning to Singapore on Hong Kong’s flag carrier: Cathay Pacific. (CX)

So why CX?

  1. It’s Hong Kong’s flag carrier. I have been to Hong Kong quite a few times but have never tried it. Have friends who are fans of CX. All ask me to give them a try.
  2. CX took delivery of their Airbus A350-900XWB recently. So got to give this plane and CX’s new cabin product a try. I’m an Airbus guy.
  3. Got my Marco Polo Club Silver status for free. (Usually cost: USD100 and flights worth 300 club points.) Thanks to a corporate benefit from CX for the company I work for in my day job. Benefit: Business Class lounge access for any travel on CX’s flight. SCORE! Will be going to the Pier!

    Marco Polo Club

    Marco Polo Club Silver (OneWorld Ruby BTW!)

  4. Miles transfer. Most banks in Singapore only allow transfer of credit card points to 2 programs: Singapore Airlines KrisFlyer and CX Marco Polo Club/Asia Miles. (Citibank and American Express allows transfer to more programs while Standard Chartered allows transfer over to Singapore Airlines KrisFlyer only at a pretty lousy rate of transfer.)

So I transferred 10,000 miles from UOB using 5,000UNI$ (Due to block redemption requirement.) and 14,000 miles from Citibank to redeem a Premium Economy Class ticket on CX’s A350-900XWB from Hong Kong to Singapore one way for 260HKD. (SG$49.16.) That’s a total cost savings of 7200HKD. (SG$1,361.35. 97% savings!)

CX Redemption

CX Redemption

CX Cost

CX Cost

Let’s see if I can score an upgrade on this flight…

[Travel] JetQuay: Changi Airport CIP Terminal


So Madonna Rebel Heart tour is over in Singapore. How did she arrive and leave Singapore?
Private Jet: Yes
Terminal 1/2/3: Neither. CIP Terminal

Wait a minute. VIP is familiar to most people but what is CIP? CIP stands for Commercially Important Person. Examples of CIPs include Madonna, Gordon Ramsay and Lady Gaga just to name a few. Whenever a private jet or CIP lands in Changi Airport, they will be received and handled by CIP Terminal: JetQuay.

JetQuay Logo

JetQuay Logo

As mentioned in my previous post, I have decided to try JetQuay for the first time when I touch down in Singapore from Hong Kong. So here was my experience as a CIP.

Buggy Ride

Buggy ride from gate to JetQuay. My check-In luggage was retrieved in parallel by their staff.

Arrival in style

Arrival in style.






Drinks and light food.





Table and bench

Table and bench: Casual


Cosy: Homely


Can fit group comfortably.


Exotic corner.




Family friendly.



Chill while waiting for DFS purchase.

Chill while waiting for DFS purchase.


Can do some business.




In front of JetQuay’s signature spiral stairs.

So this place looks very exclusive right? It is actually more accessible than many people think. All you just need is Standard Chartered Manhattan World MasterCard Credit Card which only require annual income requirement of SG$30,000. Any freshman who start work can access this. You can just call JetQuay for booking. For details, check my previous post.


Standard Chartered Manhattan World MasterCard Credit Card

[Credit Card] Annual Fee: To pay or not to pay?


Just got off a happy call with American Express staffs (Best customer service in my opinion across all banks.) over my American Express Platinum Credit Card annual fee and decided to close it as annual fee benefit is not fantastic. (25,000 points which converts to 13,500 miles for SG$321. Earn rate? 42.056 miles per SG$1.) By closing this credit card, I can consolidate my split credit limit to my American Express Singapore Airlines KrisFlyer Gold Credit Card (When you have 2 credit cards with American Express, they split up your total credit limit among 2 credit cards and is not shared like other banks.) and this credit card has also helped me waived off annual fee for my American Express Singapore Airlines KrisFlyer Gold Credit Card. Besides that, I can always wait 6 months to get this credit card again for free.

Amex Platinum

Bye Ameican Express Platinum Credit Card! See you again in 6 months time!

So you may ask this golden question on which credit card should you be paying annual fee for? In my current credit card arsenal, there are 3 credit cards that I will pay annual fee for:


Citibank PremierMiles Visa Signature Credit Card

Altitude Visa

DBS Altitude Visa Signature Credit Card

Altitude Amex

DBS Altitude American Express Credit Card

These 3 credit cards charge an annual fee of SG$192.60 and give you 10,000 miles each. (Earn rate of 51.92 miles per SG$1. Versus SG$321 for 13,500 miles for American Express Platinum Credit Card. Why should I pay SG$128.40 more for 3,500 miles? That is too little.) By combining these 3 credit cards together, you earn 30,000 miles which is sufficient for return economy saver redemption on Singapore Airlines for Taipei.

Below is a table to summarize how easy or difficult it is to get your credit card annual fee waived based on my understanding and experience.

Bank Note
  • Easiest to get credit card annual fee waiver.
  • Punch in credit card number over voice system to get instant decision. (Update 5 March 2016: No longer an instant decision over system. Need to talk to staff over phone.)
  • Low or no usage requirement for credit card annual fee waiver.
  • Easy to get credit card annual fee waiver.
  • Speak to staff over phone for instant decision.
  • Low or no usage requirement for credit card annual fee waiver.
  • Easy to get credit card annual fee waiver.
  • Speak to staff over phone for instant decision.
  • Low or no usage requirement for credit card annual fee waiver.
Standard Chartered
  • Easy to get credit card annual fee waiver.
  • Speak to staff over phone for instant decision.
  • Low or no usage requirement for credit card annual fee waiver.
American Express
  • Not so easy to get credit card annual fee waiver.
  • Speak to staff over phone for instant decision and options.
  • Usage requirement for credit card annual fee waiver.
  • Damn difficult to get credit card annual fee waiver.
  • Take damn long to be able to reach a staff over phone for discussion.
  • SG$5,000 annual usage requirement for credit card annual fee waiver.
  • Inconsistency: Heard some of my friends getting credit card annual fee waived by OCBC even though they never use their OCBC credit card at all.

Disclaimer: Use credit card responsibly.

[Credit Card] Credit Report


[Update 1/4/2016]: You can now apply for a free Credit Report from CBS if you apply for a Credit Card. Regardless of whether it is approved or not. Details here.

Was thinking of writing an article on credit report and Claudia from Cardable beat me to that. That was a good summary on credit report so kudos to that. You can read it at here.

After reading through that article, I thought I can add on to it. So here are some things that I will like to add on.

So how does a credit report look like? I have bought my credit report last July from Credit Bureau Singapore (CBS) and here is how it looks like.

Credit Report(Web)_Page_01

Personal Particulars. Important information: Date of Earliest Known Credit Account, Previous Enquiries, Accounts, Defaults, Bankruptcy Proceedings and Credit Limits

Credit Report(Web)_Page_02

Account Status

Credit Report(Web)_Page_03

Account Status

Credit Report(Web)_Page_04

Account Status, Previous Enquiries and Credit Score

Credit Report(Web)_Page_05

Adverse and Aggregate Outstanding Balances

Credit Report(Web)_Page_07

Explanation (Members and Account Status note on what each alphabet means.)

Credit Report(Web)_Page_08

Explanation (What each credit score means.)

Credit Report(Web)_Page_09

Explanation (Key Contributing Factors to Your Credit Score and Aggregate Outstanding Balances.)

Credit Report(Web)_Page_10

Explanation (Aggregate Outstanding Balances.)

Credit Report(Web)_Page_11

Charts on Credit trends for your age group

Some additional information on credit report:

Who are authorized providers for credit report?
  • CBS.
  • DP Credit Bureau. (Can give it a miss as they only got 5 members which are all members of CBS.)
Who can access your credit report?
  • Member financial institutions of each credit bureau.
  • You.
How much does it costs?
  • SG$6 including GST from CBS.
Where to buy? (CBS)
  • Online. (Singpass needed. Payment by Visa/MasterCard/eNETS.)
  • CBS Office at SGX Centre 1.
  • Singpost.
  • CrimsonLogic Service Bureau at Chinatown Point or Supreme Court.
  • CASE Office at Ulu Pandan Community Building.

Some pointers:

  • When banks reject your credit card application, they will never say why. Buying your own credit report may give you answer. It may be because:
    • Bank may think that you have too much unsecured credit.
    • Bank may think that you have too many credit cards.
    • Bank may see that you have high frequency of defaults.
  • You can have an AA score but still can get rejected for credit card application. (That happened to me.)

Disclaimer: Use credit card responsibly.

[Mobile application] Cardable


You got a few credit cards/membership cards and having trouble keeping track of deals associated with each card? Here is a mobile application to the rescue.

Cardable Logo

Cardable Logo

What Cardable allows you to do is to select credit cards/membership cards that you own and see deals available based on that information and location. They have a pretty comprehensive list of cards available. Not just credit cards from most banks in Singapore but also membership cards like PAssion, SAFRA, NTUC PLUS!, Palate and the FAR CARD. Main benefit of this application over competing application is that this application allows you to zoom down to benefits associated with a specific card from a bank. So for ladies, you can just select UOB Lady’s card in Cardable and see deals for that only. (Cue slogan: The men don’t get it.)

Cardable Cards

Cardable Cards

Cardable Cards DBS

Cardable Cards DBS List

Cardable Cards DBS Altitude American Express

Cardable Cards DBS Altitude American Express  Card Summary

Cardable Screenshot

Cardable Screenshot

You will then be able to look for deals near you or by categories like Dining, Shopping, Entertainment, Lifestyle & Arts, Travel and Automotives. When you select a deal, you will see distance of merchant from your location, details of deal and cards applicable.

Cardable Screenshot Deal

Cardable Screenshot Deal

This application is available for FREE without ADs on Android Google Play and iOS App Store.

Google Play APP Store

[Credit card] Primer


You are now studying in Polytechnic/University or just started your first job and want to get your first credit card but do not earn more than SG$30,000 per annum? You can and there are options available: Credit cards with SG$500 credit limit.

Well, SG$500 credit limit may not seems much. But these cards served me well when I started on credit cards. They helped me in building up a good credit discipline and increase my spending power when combined.

So here are 2 credit cards that I started on with SG$500 credit limit each long time ago.

Here are the requirements on these credit cards:

  • Age requirement: 18 years old minimum at time of application. (21 years old for other credit cards usually.)
  • Nationality: Singaporean or Singapore Permanent Resident. (Foreigners on employment pass allowed with higher annual income required usually for other credit cards.)
  • Parent/Guardian consent required for applicant age below 21 at time of registration.
  • Must not be a principal credit card/credit line holder.
  • Non student: Minimum SG$18,000 income per annum. (Standard Chartered Manhattan Platinum MasterCard. Usually SG$30,000 minimum for other credit cards.)

What is required when applying for credit cards:

  • Photocopy of NRIC/Passport.
  • Computerized payslip (Latest minimum. Recommend to submit 3 months.), Income tax Notice of Assessment or 12 months CPF contribution statement. (Self employed individuals will need to submit more.)
  • Completed application form.

What to watch out when applying for credit cards:

  • Annual fee: About SG$30 for these cards. (Usually 1st year waived. Subsequent waiver at bank’s discretion.)
  • Credit limit: SG$500. (Usually 2-4x of your monthly income at bank’s discretion for other credit cards.)
  • Interest rate: About 24% per annum or a minimum amount as stipulated by bank. (Interest can be scary and you will be playing with your credit score if you default. You have been warned.)
  • Statement date: Please call bank after you received your credit card to know your statement generation/cut off date. (This will help you in planning your purchases.)
  • Payment grace period: About 20 days. Pay fully within grace period and there will not be any interest charge.
  • Cash advancement fee: About 6% of amount advanced or a minimum amount as stipulated by bank.
  • Other fees like late fee or over limit fee which you should never ever need to pay if your credit discipline is good.

How to decide which card to get:

  • Your spending habit/pattern:
    • If you are a party guy/gal that frequent Zouk, get Citibank Clear Visa as that credit card offer free entry and 1-for-1 drinks at Zouk.
    • If you are after cashback, get Standard Chartered Manhattan Platinum MasterCard as that credit card offers 0.25% cashback in this case.
    • For other credit cards, you will want to look at rewards on offer and flexibility in redeeming rewards.
  • Bank: If you have any bad blood with any bank or if bank does not has a good reputation, you will not likely want to get a credit card with them. Unless benefit is unrivalled.
  • Payment method:
    • Internet banking (Must have!)
    • SAM (Cut off time 5pm.)
    • AXS. (Cut off time 8pm.)
  • Payment network: Usually I recommend 1 Visa, 1 MasterCard and 1 American Express credit card per bank (At least 2 banks. Just in case 1 bank’s cards just all decide to die on you. It can happen!) for maximum acceptance across the globe. (JCB is an exotic 1 for Japan. Only offered by UOB in Singapore.)
  • Gold/Platinum/Visa Signature/MasterCard Titanium/MasterCard World:
    • Gold is like entry level for American Express. (E.G. American Express Singapore Airlines KrisFlyer Gold credit card.)
    • Platinum is like entry level for Visa/MasterCard/JCB. Premium for American Express.
    • Visa Signature is usually targeted at frequent flyers.
    • MasterCard Titanium is just a fancy gimmick by MasterCard in my opinion. Only offered by OCBC in Singapore.
    • MasterCard World is similar to Visa Signature in terms of level.
  • Contactless payment solution:
    • Visa payWave
    • MasterCard PayPass
    • American Express
    • EZ-LINK
    • NETS FlashPay

Hope this helps as a good start to your journey with credit cards.

Disclaimer: Use credit card responsibly.