American Express KrisFlyer Ascend; Citi PremierMiles; UOB PRVI; Standard Chartered Visa Infinite – The best idea AirMiles Card For you personally?
Earning miles on your credit card spent is something that many Singaporeans do. Besides Cashback cards, earning miles may be the other main benefits that many cardholders would go for.
However, with every bank offering its own form of a miles card, one common question that you might ask is which miles card(s) make the most sense for you, based on your spending habits and travel patterns. What's better for another person don't have to be the very best card for you personally.
- American Express KrisFlyer Ascend Card
- Citi PremierMiles Visa Card
- UOB PRVI Miles Visa Card
- Standard Chartered Visa Infinite Card
American Express KrisFlyer Ascend
The American Express KrisFlyer Ascend can also be the only card on our list that gives you miles which are directly credited to your KrisFlyer account. Which means that you do not need to pay for a conversion fee to transform the miles that you earn into actual KrisFlyer miles.
| Benefits | Analysis | |
| Miles Per $1 spend | 1.2 miles per $1 spent (local), 2 miles per $1 spent (overseas), 3.2 miles for every $1 spent on Grab | Average |
| Welcome & Spend Bonus | – 5,000 KrisFlyer Miles the very first time you charge to your card
– Total of 59,000 miles should you spend $20,000 inside your first Six months ($10,000 inside your first A few months, $10,000 in your next A few months) |
Good |
| Lounge Access | 4 complimentary access each year to participating SATS lounge in Singapore and Plaza Premium lounge round the world | Good |
| Minimum Income Requirement | $50,000 p.a. | Moderate |
| Annual Fee | $337.05 | Moderate |
| Others | Complimentary night stay at one of over 110 Hilton properties in Asia Pacific | Average |
Who Should Apply For American Express KrisFlyer Ascend?
Big-Ticket Items: If you've big-ticket items which you need to pay for within the next 6 months, the American Express KrisFlyer Ascend is the best card to apply for. By spending $10,000 in the first three months, and another $10,000 within the next four to six months, you can earn on your own a total of 59,000 KrisFlyer Miles.
Travel once every 3 years: Since KrisFlyer miles possess a 3-year expiry, you want to make sure that you will probably redeem your miles in this particular time period.
Sign up for that American Express KrisFlyer Ascend here.
Citi PremierMiles Visa Card
If you do not intend to travel once every three years or prefer not to be in a situation where your miles may expire before you arrange for your vacation and redeem your miles, the Citi Premier Miles Visa Card is a great alternative card to opt for.
Many those who are a new comer to the miles game should think about the Citi Premier Miles Visa Card his or her first miles card.
| Benefits | Analysis | |
| Miles Per $1 spend | 1.2 miles per $1 spent (local), 2 miles per $1 spent (overseas) | Average |
| Welcome & Spend Bonus | Earn 30,000 miles whenever you spend $7,500 within A few months from date of card approval | Good |
| Lounge Access | 2 complimentary access every year for lounges world-wide via priority pass membership | Average |
| Minimum Income Requirement | $30,000 p.a. | Good |
| Annual Fee | $192.60 | Average |
| Others | Citi Miles don't expiry. You are able to convert the miles ($25 conversion fee) each time you wish to convert your Citi miles to airline miles | Excellent |
Who Should Apply For Citi Premier Miles Visa Card?
Your Miles Never Expire: Since your Citi miles will never expire, this card makes sense for those who wants to start accumulating miles but isn't sure when he/she will probably redeem these miles for his or her travel. With the Citi Premier Miles Visa Card, you'll be able to maintain your miles for as long as you wish.
Big-Ticket Items: If you are planning to create a big-ticket item spend in the next three months, the Citi Premier Miles Visa Card is sensible if you are going to spend more than $7,500, but less than $20,000. Doing so earns you 30,000 miles.
Do note that from your understanding, you will need to pay $192.60 for the annual fee to be able to be eligible for a this promotion.
Sign up for that Citi Premier Miles Visa Card here.
UOB PRVI Miles Visa Card
There are some great good reasons to be getting the UOB PRVI Miles Card. To begin with, it gives 1.4 miles per $1 spent (local) and a pair of.4 miles per $1 spent (overseas) which is higher than both the American Express KrisFlyer Ascend and the Citi Premier Miles Visa Card.
Minimum income requirement is $30,000 per year so anyone who qualifies for any charge card will also be able to get this card if they wish to.
This disadvantage with this particular card would be that the UOB miles, also referred to as UNI$, will expire after two years. Which means that you need to do a conversion at least once every two years to guarantee that your miles don't expire prior to using them.
| Benefits | Analysis | |
| Miles Per $1 spend | 1.4 miles per $1 spent (local), 2.4 miles per $1 spent (overseas) | Excellent |
| Welcome & Spend Bonus | Earn 12,000 miles if you spend $4,000 within first 2 months of card approval (new UOB cardholder) or earn 2,000 miles (existing UOB cardholder) | Average |
| Lounge Access | N.A | N.A |
| Minimum Income Requirement | $30,000 p.a. | Good |
| Annual Fee | $256.80 | Average |
| Others | UNI$ expire after two years | Average |
Who Should Apply For UOB PRVI Miles Card?
You want a higher miles earn rate: At 1.4 miles per $1 spent (local) and 2.4 miles per $1 spent (overseas), this really is one of the best miles earn rate you will get, especially from the card that just needs a minimum of $30,000 as your income requirement. Just note that your UNI$ will expire after 2 yrs so you need to convert these to KrisFlyer miles before that.
Sign up for the UOB PRVI Miles Card here.
Standard Chartered Visa Infinite Card
If you want to earn 1.4 miles per $1 spent (local), but you will not need to worry about your miles expiring, then the Standard Chartered Visa Infinite Card might just be the card that you're searching for. This card also gives you 3 miles per $1 spent (overseas).
The Standard Chartered Visa Infinite Card also provides for six complimentary visits every year through the priority pass lounge programme.
There is really a catch however.
The first is the fact that to be able to qualify for this card, you may need a minimum income requirement of $150,000 per annum – meaning the majority of us mere mortals would be unable to be eligible for a it. Also, in order to entitled to the 1.4 miles earn rate, you will need to accumulate a minimum spent of $2,000 monthly. Otherwise, you wind up only earning 1 mile per $1 spent.
| Benefits | Analysis | |
| Miles Per $1 spend | 1.4 miles per $1 spent (local), 3 miles per $1 spent (overseas), minimum dependence on $2,000 per month | Excellent |
| Welcome & Spend Bonus | Receive 35,000 miles if you make an application for the card and pay a yearly fee of $588.50 | Average |
| Lounge Access | 6 complimentary access every year for lounges world-wide via priority pass membership | Excellent |
| Minimum Income Requirement | $150,000 p.a. | High |
| Annual Fee | $588.50 | High |
| Others | Miles do not expire | Excellent |
Who Should Apply For The conventional Chartered Visa Infinite Card?
You desire a higher miles earn rate: At 1.4 miles per $1 spent (local) and three miles per $1 spent (overseas), this is one of the best miles earn rates you will get. The issue here is that you'll want to clock inside a minimum spending of $2,000 per month. Also, the miles don't expire.
Lounge Access: With 6 complimentary access each year for lounges world-wide via priority pass membership, this card allows you to start your overseas trips in style.
Apply for the Standard Chartered Visa Infinite Card here.
