During the pandemic years, I made a major shift in my miles-accumulation strategy.
Instead of focusing mainly on credit card earn rates (miles-per-dollar value), I started putting more weight on miles/points flexibility. And, this has paid off handsomely, as I never had trouble finding award availability since then, even for last-minute trips!
Imagine that! Imagine not having to worry about award availability, and the option to redeem miles at (nearly) any time, to anywhere. Imagine not needing to make an award redemption one year in advance.
And, I never had issues with expiring miles/points in the past 3 years!
What’s my Travel Pattern?
Obviously, your best Miles strategy depends on your travel patterns (i.e. Where, when and with how many people you usually travel with).
I fully understand what type of traveller I am:
- Travel mainly as a couple
- Prefer redeeming miles for Business/First Class, on flights over 4 hours
- Enjoy trying out Business/First Class products from different airlines
- Perfectly fine travelling with low-cost carriers on flights under 4 hours
- Okay with travelling on non-direct flights (max. 1 layover, up to 5 hours)
- Okay with repositioning to a neighbouring city, where there is award availability
- Okay with paying for fuel surcharges, if the amount of miles saved is justified
Related: What Type of Traveller are you? Is your Travel Pattern a Good Fit for the Miles Game?
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Why did I change my Miles strategy?
Prior to the year 2020, the “standard” Miles strategy was pretty straightforward. First, you’d pick the credit cards offering the highest earn rates for each spending category. Then, you’d transfer them to Singapore Airlines KrisFlyer, before redeeming them for a Singapore Airlines Business/First Class flight to a preferred destination.
So, why did I move away from the cookie-cutter Miles Strategy? The reason is actually really simple. Business/First Class seats were never meant for mainstream travel.
Over the past 3 to 4 years, we saw a huge increase in interest on award travel, and travel-hacking in general. As such, there are many more people fighting for the same number of Business/First Class seats.
It is simply unfair to expect airlines to accommodate to the increase in demand for premium award seats. These are for-profit businesses after all!
Furthermore, unlike larger countries like the US, the UK and Australia, there is only one major commercial airport in Singapore, where all Singapore-based mile-chasers fly from.
It is impossible for everyone in Singapore to “win” the Miles Game. A lot of us will end up making poor-value redemptions, and with expired miles that go to waste.
Related: Beginner’s Guide to the Miles Game and How to Get Started
My credit card strategy
My workaround? Start accumulating miles/points that improve my flexibility when trying to make an award redemption.
Instead of earning as many miles as possible for every single transaction, and face the following problems:
- Expiring credit card miles, forcing me to transfer to a frequent flyer program (FFP) speculatively
- Expiring FFP miles, forcing me to redeem for a trip that I do not want to go
- Trouble finding award availability on my preferred dates/destinations
…I prefer to earn fewer miles, and gain the following advantages:
- On cards where miles do not expire, I can hold them in my card for as long as I want, and only transfer them to an FFP when I’m ready to make an award booking (and when there is award availability)
- Have the freedom to search multiple FFPs for award availability (MUCH higher chance of finding one)
- Redeem fewer miles for the same routes, on certain FFPs/airlines
Related: Best Miles/Cashback Credit Cards in Singapore
Singapore cards offering the Best Miles Flexibility
As covered in the dedicated page of Singapore’s bank transfer partners, here are the Singapore cards that offer the best miles/points flexibility:
Card | Earn Rate (mpd) | Transfer Partners (with good transfer ratio) | Miles Expiry |
---|---|---|---|
Citi Rewards | 4 mpd (Online, max. $1k/mth) | 10 | Every 5 years from card opening date |
Citi Prestige | 1.3 mpd (SGD) 2 mpd (FCY) | 10 | Never expire |
Citi PremierMiles | 1.2 mpd (SGD) 2 mpd (FCY) | 10 | Never expire |
Standard Chartered Journey | 3 mpd (Dining, max. $1k/mth) | 4 | Never expire |
HSBC TravelOne | 1.2 mpd (SGD) 2.4 mpd (FCY) | 9 | 3 years |
💡Click on the + Card Summary buttons below to instantly view the key details of each card!
Citi Prestige
Unlimited free airport lounge visits for two, 4th night free on hotel bookings
Citi PremierMiles
Earn 1.2 mpd on local spend, 2 mpd on foreign currency
Standard Chartered Journey
Earn 3 mpd on dining, groceries and ride-hailing
HSBC TravelOne
Earn 1.2 mpd on local spend, 2.4 mpd on foreign currency
❌ Singapore credit cards that I AVOID
The “problem” with the above list is – aside from the Citi Rewards card, most of the others are just General Spending cards with uncapped, but much lower earn rates than the “4 miles per dollar” target that most Singapore-based mile-chasers aim towards.
However, understanding the above list makes it easy to eliminate the usage of other general-spending cards that offer similar earn rates, but come with poorer flexibility.
Card | Earn Rate | Transfer Partners (with good transfer ratio) | Miles Expiry |
---|---|---|---|
UOB PRVI Miles | 1.4 mpd (SGD) 2.4 mpd (FCY) | 2 | 2 years |
DBS Altitude | 1.3 mpd (SGD) 2 mpd (FCY) | 3 | Never expire |
DBS Vantage | 1.5 mpd (SGD) 2.2 mpd (FCY) | 3 | 3 years |
Another popular high-earning card that I would never use because of very poor flexibility, is the KrisFlyer UOB card.
However, I can imagine it being useful to someone who spends over $5,000 a month on dining or Singapore Airlines flights. If you don’t, there are plenty of better cards out there.
Related: Best Dining Miles/Cashback Credit Cards in Singapore
💡Click on the + More info buttons below to instantly view the key details of the card!
KrisFlyer UOB
Earn 3 mpd on dining, online shopping and selected travel spending
Inflexible Singapore cards that I still use
I still use 2 cards with great earn rates but poor miles/points flexibility; but only for specific use cases.
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1) UOB Lady’s
Earn rate: 6 mpd (up to $1,000/month) on selected category (till 29 Feb 2024)
Transfer partners: 2
Points expiry: 2 years
Use case: Travel transactions only (flights, hotels, klook etc.). Pair with Amaze to save ~1.5% on foreign currency fees.
2) HSBC Revolution
Earn rate: 4 mpd (up to $1,000/month) on online and contactless spending
Transfer partners: 2
Points expiry: 3 years
Use case: Online and contactless spending in SGD only, if I have maxed out the limit on Citi Rewards.
As a credit card that does not come with any annual fee, the HSBC Revolution is a low-maintenance card that only requires me to keep track of the 3-year points expiry term.
Wait, what about the DBS Woman’s World card?!
Earn rate: 4 mpd (up to $2,000/month) on online spending
Transfer partners: 3
Points expiry: 1 year
This card served me well in the past. But with only 3 transfer partners and an expiry term of just 1 year, it is no longer useful to me.
For online transactions in SGD, I use the Citi Rewards and HSBC Revolution cards.
For online transactions in foreign currency, I use the Amaze card, paired to the Citi Rewards, UOB Lady’s or Citi Prestige cards.
It would be useful to me, if I have online spending in SGD above $2,000 per month. But I usually don’t.
Related: Best Online Shopping Miles/Cashback Credit Cards in Singapore
No UOB Preferred Platinum card?
Earn rate: 4 mpd (up to $1,000/month) on mobile contactless spending
Transfer partners: 2
Points expiry: 2 years
I simply do not have enough contactless spending in SGD for this card to be useful to me. The same great cards mentioned above do the same job!
Related: Best Contactless Spending Miles/Cashback Credit Cards in Singapore
Summary: 2024 Miles Strategy
Here’s a quick summary of the cards that I use for each spending category. As you can see, the same 4 cards cover most of my needs, and 2 of them do not even have an annual fee!
✍️ Visit this page to view the best Miles/Cashback cards for each spending category, and the pros and cons of each card.
Cards are listed in order of preference, until the monthly limit to receive bonus miles/points is reached.
Online Shopping (SGD): Citi Rewards, HSBC Revolution
Online Shopping (FCY): Amaze + Citi Rewards, Amaze + Citi Prestige
Dining (SGD): Amaze + Citi Rewards, HSBC Revolution, SC Journey
Dining (FCY): Amaze + Citi Rewards, Amaze + Citi Prestige
Flights (SGD): UOB Lady’s, HSBC Revolution, Citi Prestige
Flights (FCY): Amaze + UOB Lady’s, Amaze + Citi Prestige
Hotels (FCY): Amaze + UOB Lady’s, Amaze + Citi Prestige
Foreign Currency (Shopping): Amaze + Citi Rewards, Amaze + Citi Prestige
Telco Bills (Online): Citi Rewards
I use cashback cards for the following spending categories:
Groceries: DBS yuu, Amaze + Citi Rewards
Utilities: UOB One, UOB Absolute Cashback
Petrol: AMEX True Cashback, POSB Everyday
💡Click on the + Card Summary buttons below to instantly view the key details of each card!
HSBC Revolution
Earn 4 mpd or 2.5% cashback on selected online/contactless spending
Where do I credit paid flights?
Because I have enough miles and did not have difficulty finding award availability in recent years, I’ve only paid for two types of flights:
- Error fares (some shared only on Telegram)
- Short haul on budget airlines (under 2 hours)
Of course, miles can only be accrued on paid flights on full-service airlines. I credit them to FFPs that fit my award redemption goals, at that time.
“Buy” Miles through Citi PayAll
Because of its flexibility, I value Citi miles/points more than those from other banks.
For payments that can’t get me decent miles or cashback (e.g. taxes, bills, insurance), I use the Citi PayAll payment facility.
Citi PayAll allows me to pay a small fee for my expenses, and receive miles in return; allowing me to “buy” miles for cheap when there is a promotion.
Bottom line
Business and First Class travel was never meant for the masses. As the Miles Game gains popularity, it’s probably time to rethink your Miles strategy, to stay on the winning side.
Have a look at Suitesmile’s sweet spot articles to compare the award rates across multiple FFPs, to each destination.
This is a very comprehensive and concise guide.
Would you kindly share your citi pay all guide? do you usually hit the 8k min spend?
Thank you.
I usually only use Citi PayAll when there is an ongoing offer, and only when I am able to meet the minimum spend.
This is one of my favourite articles I have read in awhile. Clear, concise yet comprehensive. Thank you for this 🙂
however, 4mpd for 1K card only get 4k points/mth. multiple by 12, u barely can convert to a businessclass one way to europe. Add to the family members…how do u get to redeem so many tickets?
Along with the miles earned on other cards + sign-up bonuses, I am accumulating enough miles to meet my award redemption goals as a couple. Your mileage may vary.