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When you’re attempting to clock up sufficient miles quick, listed here are the most effective bank cards in Singapore to make use of proper now and what I personally suggest.
I redeemed our first enterprise class tickets on Singapore Airways final month for a New York-Singapore journey as a pair, and plenty of of you requested how I accrued that a lot. It’s not rocket science, and dependable readers would most likely already see me speak about these methods earlier than, however right here’s a breakdown of how we bought ours anyway:
Nevertheless, a few of the playing cards have since decreased their rewards advantages (e.g. UOB Woman’s), so right here’s an up to date submit on what it is best to get for 2024.
My bank cards technique
To clock miles on the FASTEST potential earn charge, you need to be doing these:
- Use specialised bank cards that give 4 mpd for many of your spend
- For all the things else, use normal bank cards of 1.4 – 1.7 mpd
- Maintain backup playing cards or months when your spending exceed the max caps (particularly for on-line buying – suppose 11.11 and Black Friday gross sales)
Finest playing cards for normal spending
In case your common spending appears to be like something like mine, you’ll possible be clocking bills throughout:
- Eating out
- On-line buying (e.g. Shopee, Lazada)
- On-line subscriptions (e.g. Netflix, Spotify, ChatGPT)
- Groceries / Supermarkets
- Petrol and transport (consists of ride-hailing and public transport)
- Leisure tickets (e.g. SISTIC or Ticketmaster)
- Journey (flight tickets, lodges, vacationer actions, and many others)
In that case, right here’s the most effective 4 mpd playing cards I might suggest so that you can take a look at for every class:
Observe that the usual UOB Woman’s card is just 4 mpd in your first $1,000, so that you qualify for the UOB Woman Solitaire Card, go for that in order that your max. reward spend shall be elevated to $3,000 as a substitute!
Identical for DBS Lady’s Playing cards, if you happen to go for the DBS Lady Card you’ll solely be getting 2 mpd, whereas the DBS Lady’s World Card provides you with twice of that (4 mpd)!
Every time I take public transport, the UOB PRVI Miles Card is my best choice for clocking miles. Sadly, there isn’t a 4 mpd choice now for public transport so we’ll simply should accept the overall 1+ mpd playing cards right here. If that modifications, let me know!
Every time you journey overseas, ensure you first use a 4 mpd to e book your travel-related bills – the UOB Woman’s Card and DBS Lady’s World Card are my high decisions.
However after I journey overseas and should spend utilizing overseas forex, I usually pair that with both my UOB Woman’s Card or the Citi Rewards Card, since they each give 4 mpd when used with the Amaze card for beneficial FX conversion charges.
That method, Amaze settles the FX conversion (at fairly aggressive charges) which I proceed to earn 4 mpd on my underlying card on the acquisition. Win-win!
Q: What about utilizing my FX bank card instantly after I’m overseas for miles?
A: UOB PRVI Miles Card could give 2.4 mpd on foreign exchange charged on to the cost, however you’ll be subjected to the financial institution’s prevailing FX conversion charge…which is hardly compelling. This is identical for any direct overseas forex charged to a bank card, so I choose to stay with my Amaze pairing combos as a substitute.
Most of our largest expense annually will possible come out of your taxes, insurance coverage and training charges. For these of you who keep in condominiums, your month-to-month MCST prices can add up too. The excellent news is, you’ll be able to earn miles on them by way of CardUp, which I’ve been sharing about since 2018 on this weblog!
You’ll be able to take a look at CardUp’s record right here on what playing cards can be utilized with them, however my private choice is for UOB PRVI Miles Card, which I’ve been utilizing since eons in the past.
Earlier this 12 months, my child needed to bear surgical procedure so I seemed into seeing how I may get miles for the process, since it might be a sizeable invoice.
Fortunately, there’s a hack round this which my good pal Aaron (Milelion) shared, and that’s to try to route it by way of HealthHub, Well being Buddy or the OneNUHS app. Paying the invoice on this method with my DBS Lady’s World Card earned us a number of miles over what would have been zero if we had merely paid on the counter in-person.
And at last, you’d most likely wish to have a few of these backup playing cards on standby as effectively in case you bust your max spend (eligible for rewards) on the earlier playing cards. Months the place mega gross sales like 11.11 or Black Fridays, as an illustration, can typically see you busting these limits slightly shortly. On this case, have backup playing cards so you’ll be able to proceed incomes 4 mpd on them as a substitute of losing the {dollars}!
And that wraps up my 2024 arsenal of bank cards that I’m utilizing to clock and earn my miles quicker in direction of our subsequent enterprise class flight.
Are there any on this record that I’ve missed out which you personally use and discover useful? Let me know within the feedback beneath!
With love,
Finances Babe
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