Following the amazing opportunity to purchase 31,200 Citi Miles for S$238, Citibank is now offering Citi PremierMiles Visa Cardholders the opportunity to earn up to 3.5 Citi Miles per dollar (S$1) on all eligible foreign currency transactions charged to this card between 01 December 2017 and 31 January 2018. Registration is absolutely necessary and enrollment needs to be done before you charge the minimum sum to your credit card.
After enrolling for this promotion via SMS, you will have to charge a minimum of S$2,500 in equivalent foreign currency spend between 01 December 2017 and 31 January 2018 to earn a bonus 1.5 Citi Miles per S$1. This bonus earn rate will be capped at a qualifying spend of up to S$8,000 in equivalent foreign currency.
- Spend S$2,000 in Foreign Currency: 4,000 Citi Miles (2.0 mpd)
- Spend S$2,500 in Foreign Currency: 8,750 Citi Miles (3.5 mpd)
- Spend S$8,000 in Foreign Currency: 28,000 Citi Miles (3.5 mpd)
- Spend S$10,000 in Foreign Currency: 32,000 Citi Miles (3.2 mpd)
The best way to fully maximise this promotion is to charge anywhere between S$2,500 and S$8,000 in equivalent foreign currency transactions to your Citi PremierMiles Visa Card (but only after you have enrolled in the promotion).
(H/T: benlau1 from HWZ)
The Citi Rewards Card is one of my recommended credit cards to hold in Singapore - up until last month, this credit card was offering a massive 8 miles per dollar on all Apple Pay transactions! Now that the promotion has ended, cardholders are still able to earn up to 10X Rewards (4 miles per dollar) when shopping for clothes, bags or shoes or at department stores or online shopping websites at eligible merchants. As you already know, the 10X Rewards is capped at maximum of 120,000 Rewards points per card anniversary year - this is about to change on 04 October 2018.
Anyone who has read The Straits Times today must have seen Bank of China's full-page ad for the brand new BOC Elite Miles World Mastercard that offers up to 5 miles and 2 miles per dollar for foreign and local currency transactions respectively. Now before you get exceedingly excited, do note that these earn rates are promotional and they will only last until 31 December 2018 (your card must also be approved by 15 December 2018). Following the promotional period, the regular earn rates for this card revert to 3 miles and 1.5 miles per dollar for eligible foreign and local currency transactions respectively.
It goes without saying that the OCBC Titanium Rewards Card is one of my favourite credit cards in Singapore and it has earned its rightful place in my (digital) wallet since last year. While the card is supposed to offer 10X OCBC$ (which translates into 4 miles per dollar) on all mobile payments (e.g. Apple Pay) until the end of the year, I noticed yesterday that the benefit has been amended to end on 04 August 2018 instead.
With the upcoming Grab-Uber merger on the horizon, there is no better time than now to revisit the best credit cards and platforms to use for Grab rides (especially with the recent introduction of new membership programs). This article aims to highlight a combination of promotions and offers that you can use to get most value out of your Grab rides in Singapore (even though some of them apply to rides taken overseas as well) and while it may not be exhaustive, it will definitely help you save more money on your Grab rides on the whole.
As some of you may know, the UOB PVRI Miles Visa Card is a Visa Infinite credit card even though it is not marketed as one - the card face simply shows Visa (without Platinum, Signature or Visa Infinite branding under it). It seems that from 01 April 2018 however, UOB will be making it a Visa Signature card officially. There will be no changes to the earn rates and you will continue to earn miles (in the form of UNI$s) on local and overseas spend at 1.4 and 2.4 miles per dollar respectively.
UOB used to be one of the banks to go to for credit cards (especially for us mile-chasers) and at one point in my life, I have held over five credit cards from this bank alone. I loved that the fact that the UNI$s (the name for UOB's point currency) accrued from all cards were pooled into a singular account (which means you only paid the FFP transfer fee once) and how they seem to have a card for every significant purpose. However, in my opinion, the bank has gone downhill from where it was, at least where credit cards are concerned.
While most of us elite status-chasers do not use Expedia much (since it does not earn you elite-qualifying nights which contribute towards elite status each year), it can sometimes make sense to consider using Expedia when you are planning to stay in a property that does not belong to a greater loyalty program or one that you have no interest in. What a lot of people do not realise is that most banks in Singapore offer a discount code for hotel reservations made via a specific landing page. At the time of writing, Citibank offers the most generous discount of 15% off all participating properties where the 'Expedia Rate' is available - there is also only a one-night minimum stay for this promo code.
While it is no secret that OCBC VOYAGE Cardholders will now earn a reduced rate of 1.6 VOYAGE Miles per dollar on dining and enjoy a higher base rate of 1.2 VOYAGE Miles per dollar on all eligible retail spend charged in SGD, what a lot of people do not realise (myself included!) is that the cardholders of the OCBC Premier VOYAGE Credit Card, OCBC Premier Private Client VOYAGE Credit Card and Bank of Singapore VOYAGE Card now earn 1.6 VOYAGE Miles per dollar on all eligible retail spend - this is extremely generous as it is in line with the highly exclusive UOB Reserve Card - a credit card for UOB Privilege Reserve Clients with S$2,000,000 in deposits/investments with the bank.
As the year comes to an end, I thought that it would be interesting to reevaluate which cards to physically hold in my wallet for the year ahead. While most of the best credit cards for 2017 (in my opinion) have made it into the 2018 list, the diffusion of innovation has seen the digitisation of many credit cards as contactless payment becomes more prominent in Singapore. This is by no means an exhaustive list of credit cards to apply for (since the recommendation varies from person to person) but rather an indication to which credit cards I am holding physically and digitally for the new year ahead.
I think it fairly clear by now that I favour earning miles over cash back on any given that. Do not get me wrong though - ultimately, cash is king and if you were to offer me a million dollars or a million miles, I would simply go for the former (I think!). The only reason I pick miles over cash back is simple - there isn't a cash back in Singapore (or perhaps anywhere in the world) that offers as much value as what a miles card can give. I tend to take Uber (or Grab) quite a bit in Singapore as well as overseas and one of the questions that I often get from friends is which credit card to use for these rides. Assuming you already have an Uber (click HERE to register otherwise) and Grab account, these are the credit cards that you should probably use for the most bang for your buck (in order of recommendation).