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In case you’re making an attempt to clock up sufficient miles quick, listed here are the very best bank cards in Singapore to make use of proper now and what I personally advocate.
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 gathered that a lot. It’s not rocket science, and dependable readers would most likely already see me discuss these methods earlier than, however right here’s a breakdown of how we obtained ours anyway:
Nevertheless, a few of the playing cards have since lowered their rewards advantages (e.g. UOB Girl’s), so right here’s an up to date put up on what it is best to get for 2024.
My bank cards technique
To clock miles on the FASTEST attainable earn price, you need to be doing these:
- Use specialised bank cards that give 4 mpd for many of your spend
- For all the pieces else, use common bank cards of 1.4 – 1.7 mpd
- Hold backup playing cards or months when your spending exceed the max caps (particularly for on-line purchasing – assume 11.11 and Black Friday gross sales)
Finest playing cards for normal spending
In case your common spending seems something like mine, you’ll probably be clocking bills throughout:
- Eating out
- On-line purchasing (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, inns, vacationer actions, and so on)
In that case, right here’s the very best 4 mpd playing cards I’d advocate so that you can take a look at for every class:
Word that the usual UOB Girl’s card is simply 4 mpd in your first $1,000, so that you qualify for the UOB Girl Solitaire Card, go for that in order that your max. reward spend will probably be elevated to $3,000 as a substitute!
Similar 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)!
Each time I take public transport, the UOB PRVI Miles Card is my best choice for clocking miles. Sadly, there isn’t a 4 mpd possibility now for public transport so we’ll simply must accept the final 1+ mpd playing cards right here. If that adjustments, let me know!
Every time you journey overseas, be sure you first use a 4 mpd to guide your travel-related bills – the UOB Girl’s Card and DBS Lady’s World Card are my prime selections.
However after I journey overseas and must spend utilizing overseas foreign money, I usually pair that with both my UOB Girl’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 means, 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 immediately after I’m overseas for miles?
A: UOB PRVI Miles Card might 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 price…which is hardly compelling. This is similar for any direct overseas foreign money charged to a bank card, so I want to stay with my Amaze pairing combos as a substitute.
Most of our largest expense every year will probably come out of your taxes, insurance coverage and schooling charges. For these of you who keep in condominiums, your month-to-month MCST costs can add up too. The excellent news is, you may earn miles on them by way of CardUp, which I’ve been sharing about since 2018 on this weblog!
You may take a look at CardUp’s checklist right here on what playing cards can be utilized with them, however my private desire is for UOB PRVI Miles Card, which I’ve been utilizing since eons in the past.
Earlier this 12 months, my child needed to endure surgical procedure so I seemed into seeing how I might get miles for the process, since it could 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 couple of miles over what would have been zero if we had merely paid on the counter in-person.
And eventually, you’d most likely wish to have a few of these backup playing cards on standby as properly 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 usually see you busting these limits moderately shortly. On this case, have backup playing cards so you may 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 sooner in direction of our subsequent enterprise class flight.
Are there any on this checklist that I’ve missed out which you personally use and discover useful? Let me know within the feedback under!
With love,
Finances Babe
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