Ever since the ANZ Travel Visa Signature Card has been crippled with the horrible redemption rates for Cash Rebate from 2.55% to 1.00%, many people have been asking me what the best 'General Spending' card is. While I am generally a Miles Chaser, I do appreciate the versatility of a good credit card that allows you to switch between Miles and Cash Rebate (much like the ANZ Travel Visa Signature Card then).
The UOB PRVI Miles Credit Cards (AmEx and MasterCard versions both) have been slightly crippled too lately, reducing local spend from 1.6 miles to 1.4 miles per S$1 and spend in foreign currency from 2.5 miles to 2.4 miles per S$1. That being said, UOB has introduced a new Cash Rebate redemption option in the UOB Rewards Program:
You are now able to redeem for S$100 Cash Rebate with UNI$5000 when using the PRVI Miles (or other cards as shown above). This equates to a 1.40% cash rebate on local spend and 2.40% cash rebate on all spend in a foreign currency. Of course, you can continue to enjoy an equivalent 1.4 miles or 2.4 miles per S$1 should you wish to collect miles instead.
Remember that you will also be eligible for the free one-way limousine service to Singapore Changi Airport when you charged at least S$1,000 in foreign currency to your UOB PRVI Miles Platinum American Express Credit Card per quarter.
American Express is currently running a ridiculously attractive promotion for all eligible members across all participating Marriott properties - spend S$500 and get S$150 back in statement credit. There is now the opportunity to receive one S$50 credit for spending S$300 or more (in one or more transactions) at participating Pan Pacific Hotels Group properties before the end of 31 January 2019.
I personally recommend the DBS Woman's World Mastercard (WMC) and DBS Altitude Card combo if you typically charge a lot of online travel expenses to your card - I personally max out the S$2,000 bonus each month on the WMC and charge the remaining online hotel and travel expenses to my DBS Altitude Card (up to S$5,000) for the rest of the statement period. Now, DBS advertises 3 miles per dollar on the DBS Altitude Card and if it is charged in SGD, you will earn 1,2 miles (in equivalent DBS Points) at the time of posting and the rest in the following month (usually on the 16th unless it is not a business day). However, I realised that over S$4,000 of my expenses in the previous month did not earn any bonus DBS Points (even though they are all online hotel expenses!).
Believe it or not but the OCBC VOYAGE Card is where I have been charging all my foreign expenses to recently. Sure the BOC Elite Miles Card and UOB Visa Signature Card offers 5 mpd and 4 mpd respectively but I am currently in the midst of consolidating my credit cards - it also takes a home loan to find out how much unsecured credit you actually have. While poking around the OCBC Rewards platform today, I realised that you can now convert OCBC VOYAGE Miles into KrisFlyer Miles without a minimum amount (well, 1 is the minimum).
I received an EDM last night notifying me that my OCBC Titanium Rewards Card will now earn 30 OCBC$ (equivalent to 12 miles per dollar) on all bus and train rides. All I have to do is to register my card on the TransitLink Account-Based Ticketing (ABT) portal and I will be able to enjoy this insane earn rate from 20 November 2018 to 19 December 2018, up to S$500 a monh - this offer is not open to everyone and you must be targeted in order to enjoy this promotional rate. The first 1,000 customers to register their cards on the portal will also get S$25 worth of NTUC vouchers.
As if there is a better time to be an American Express cardholder - the promotions are constantly coming in and now the first 15,000 successful registered cards will be able to get S$150 back for spending S$500 at over 480 participating Marriott hotels in China, Hong Kong, India, Japan, New Zealand, Singapore and Thailand between now until 31 January 2019! In fact, every eligible cardholder will be able to earn this shocking cashback 10 times so you can essentially spend S$5,000 and get S$1,500 back! If you do not hold an American Express card, do consider applying for The Platinum Card which comes with a shocking annual fee but the perks are seriously impressive - read about my rationalisation here!
If you tend to use Expedia for hotel reservations, then you should already know that you can easily save at least 10% with the right promo code. While the usual discount that most credit card companies offer is 10% off, Citibank is currently offering a staggering 15% off eligible hotels for reservations made before the 31 December 2018 - stays have to be consumed before the end of 31 March 2019.
Citibank has the most number of airline partners in which you can convert your Citi Miles into airline miles. From 01 October 2018 to 31 December 2018, cardholders of the Citi PremierMiles Visa card will be able to earn 2.4 (instead of 2.0) Citi Miles per Dollar on all eligible retail spend charged in a foreign currency other than SGD - this is 20% higher than what is usually offered to cardholders.
American Express is offering Platinum Card Members the opportunity to earn 30 Membership Rewards Points (equivalent to 11.7 miles per dollar) for every full S$1.60 spent on Montblanc, Piaget and Roger Dubuis from now until 15 November 2018. Bonus Membership Rewards Points are only awarded on up to S$16,000 worth of eligible purchases at EXTRA Partners in Singapore between 01 January 2018 and 31 December 2018.
The premature ending of the 4 miles per dollar promotion on mobile payments has left a bad taste in my mouth. In fact, I personally know of a handful of cardholders who decided to cancel the OCBC Titanium Rewards Card just because of that. This morning, I noticed that the very same card is offering 30 OCBC$ (equivalent to 12 Miles) per S$1 spent on ShopperBoard from 1-28 October 2018 - this is capped at S$1,000 which means the most you can earn from this promotion is 30,000 OCBC$ or 12,000 Miles.
You have just gotten your brand new Platinum Card from American Express and after spending S$1,712 on the annual fee, it is understandable that you wish to get the most benefits out of it as soon as possible. Here are five benefits that you should activate immediately with rewards to your new Platinum Card from American Express!