When you’re making an attempt to clock up sufficient miles quick, listed below are one of the best 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 constant readers would in all probability already see me speak about these methods earlier than, however right here’s a breakdown of how we bought ours anyway:
Nonetheless, among the playing cards have since lowered their rewards advantages (e.g. UOB Woman’s), so right here’s an up to date put up on what you must get for 2024.
My bank cards technique
To clock miles on the FASTEST potential earn fee, you ought to be doing these:
- Use specialised bank cards that give 4 mpd for many of your spend
- For all the things else, use common 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 procuring – suppose 11.11 and Black Friday gross sales)
Greatest playing cards for normal spending
In case your common spending seems to be something like mine, you’ll probably be clocking bills throughout:
- Eating out
- On-line procuring (e.g. Shopee, Lazada)
- On-line subscriptions (e.g. Netflix, Spotify, ChatGPT)
- Groceries / Supermarkets
- Petrol and transport (contains 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 one of the best 4 mpd playing cards I might suggest so that you can try for every class:
Word that the usual UOB Woman’s card is barely 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 Girl’s Playing cards, when you go for the DBS Girl Card you’ll solely be getting 2 mpd, whereas the DBS Girl’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 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 Woman’s Card and DBS Girl’s World Card are my high decisions.
However after I journey overseas and should spend utilizing overseas forex, I sometimes 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 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 instantly after I’m overseas for miles?
A: UOB PRVI Miles Card might give 2.4 mpd on foreign currency echange charged on to the cost, however you’ll be subjected to the financial institution’s prevailing FX conversion fee…which is hardly compelling. This is similar 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 probably come out of your taxes, insurance coverage and training charges. For these of you who keep in condominiums, your month-to-month MCST expenses can add up too. The excellent news is, you may earn miles on them via CardUp, which I’ve been sharing about since 2018 on this weblog!
You may try CardUp’s checklist 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 endure surgical procedure so I seemed into seeing how I might get miles for the process, since it will 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 via HealthHub, Well being Buddy or the OneNUHS app. Paying the invoice on this method with my DBS Girl’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 at last, you’d in all probability 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, for example, can usually see you busting these limits relatively rapidly. 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 the 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 beneath!
With love,
Finances Babe
