If you happen to’re attempting to clock up sufficient miles quick, listed here are the perfect 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 collected that a lot. It’s not rocket science, and constant readers would most likely already see me speak about these methods earlier than, however right here’s a breakdown of how we obtained ours anyway:
Nevertheless, among the playing cards have since diminished their rewards advantages (e.g. UOB Girl’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 attainable earn fee, you have 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 – suppose 11.11 and Black Friday gross sales)
Finest 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 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, motels, vacationer actions, and many others)
In that case, right here’s the perfect 4 mpd playing cards I’d suggest so that you can try for every class:
Notice that the usual UOB Girl’s card is just 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 likely be elevated to $3,000 as a substitute!
Identical for DBS Girl’s Playing cards, in case you go for the DBS Girl Card you’ll solely be getting 2 mpd, whereas the DBS Girl’s World Card will provide you with twice of that (4 mpd)!
At any time when 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 modifications, 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 Girl’s World Card are my prime decisions.
However after I journey overseas and must spend utilizing overseas forex, I sometimes 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 approach, 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 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 identical for any direct overseas forex 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 training charges. For these of you who keep in condominiums, your month-to-month MCST fees can add up too. The excellent news is, you’ll be able to earn miles on them by means of CardUp, which I’ve been sharing about since 2018 on this weblog!
You’ll be able to try CardUp’s record 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 yr, my child needed to endure surgical procedure so I seemed into seeing how I may get miles for the process, since it could be a sizeable invoice.
Fortunately, there’s a hack round this which my good good friend Aaron (Milelion) shared, and that’s to attempt to route it by means of HealthHub, Well being Buddy or the OneNUHS app. Paying the invoice on this method with my DBS Girl’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 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 example, 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 sooner 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 under!
With love,
Funds Babe
