Buy Choice Points With 40% Bonus (Till Nov 2025)

Last updated on 1 November 2025

Buy Choice points at a discount or with a bonus to save on hotel stays worldwide, especially in Scandinavia, Australia and Japan.

Current promotion to buy Choice points

During this promo, Choice Privileges members can unlock up to 40% bonus points, when buying at least 4,000 Choice points (total 5,200 points).

Here’s how it works:

• Buy 4,000-7,000 points: 30% bonus
• Buy 8,000-13,000 points: 35% bonus
• Buy 14,000+ points: 40% bonus (aim for this!)

Things to note about Choice points

• Choice Privileges members can usually buy points for 1.03 cents each^*, before any bonuses or discounts
• Choice points do not expire as long as there is account activity every 18 months
• Each member can purchase up to 180,000 Choice points annually, pre-bonus
• Members can make award booking using choice points as early as 350 days in advance
• Redeem Choice points for hotel stays at choicehotels.com
• Choice points promotions typically start at 12am and end at 11.59pm Eastern Time (UTC-4 in Northern summer, UTC-5 in winter)

^{*When purchasing at least 10,000 points (pre-bonus). Purchasing 9,000 points or fewer (pre-bonus) comes with a higher price per point.}

Previous Choice points offers

Here’s a quick look at the recent history of Choice points sales:

Is this a good deal to buy Choice points?

Historically, the best Choice points sales are those labelled “45% discount”, where members can buy points for as low as 0.57 cents each.

Best ways to redeem Choice points

Choice Privileges is generally not a great hotel loyalty program to stay loyal to, due to its lack of benefits. Travel hackers use Choice points to save BIG on stays in certain regions where decent accommodation is more expensive. This includes Europe (especially in Scandinavia), Australia and Japan.

Depending on the hotel, members may find breakfast included, even for award stays. Members may also book rooms from a higher category or even suites for the same award rate at some properties.

Here’s my recent finding for accommodations for 2 adults in Helsinki, Finland:

• 8-bed dorm in a hostel: US$78
• F6 Ascend Hotel (deluxe room, breakfast included): US$399 or 12k points*

*Buy 12k points for just US$74 with a “40% discount” sale

Best credit cards for buying Choice points

Singapore-based readers may use one of the following cards to receive maximum rewards/savings when buying Choice points in a foreign currency.

^{Note: Miles/Points purchases are processed by points.com, which falls under MCC 7399 (Business Services Not Elsewhere Classified). This is NOT a travel-related spending, and should get you bonus miles/cashback with Citi cards.}

💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.

Citi Rewards

Earn 4 mpd on online spending

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🎁 Sign-up bonus

+ Card Summary

More information on the

Citi Rewards Mastercard

Suitesmile rating:

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✍️ Short summary

This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to the Amaze card to also earn 4 mpd on in-person spending like dining, groceries and shopping. This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges. But take note that SGD transactions through Amaze will incur a 1% fee (min. 50 cents).

📄 Read our complete review of the Citi Rewards Card.

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💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi SMRT

Get 5% cashback on online spending, groceries, transportation

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🎁 Sign-up bonus

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More information on the

Citi SMRT Visa Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.

Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
$196.20
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).

📜 Terms & conditions

Maybank XL Rewards

4 mpd on flights, hotels, dining, shopping, foreign currencies

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🎁 Sign-up promos

+ Card Summary

Mini review of the

Maybank XL Rewards Card

Suitesmile rating:

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This card gives you a strong earn rate of 4 miles per dollar on selected spending categories like flights, hotels, dining, shopping (in-person & online), food deliveries, entertainment and foreign currencies (overseas & online), when spending at least $500 and up to $1,000 per calendar month.

But oldies beware, this card is only available to those aged 21 to 39 years old.

Qualifying transactions:
Only whitelisted Merchant Category Codes (MCCs) for each spending category qualify for the bonus earn rate. Unsure about the MCC? Check before making the payment.

However, if you’re spending in a foreign currency, it doesn’t matter what the MCC is, provided it doesn’t fall under the general exclusions stated in the t&c. What’s great is that typically-excluded spending categories like Utilities, Medical and Education qualify for the 4 mpd earn rate, when paying in a foreign currency.

All other transactions earn just 0.4 mpd (uncapped).

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire. Pro tip: Qualify for the Rewards Infinite programme to ensure that points earned across all your Maybank cards doesn’t expire.

Cardholders can reduce the foreign currency fee by about 1% by pairing this card to Amaze. IMPORTANT: Only do this for the non-foreign currency bonus categories (flights, hotels, dining etc.) made in foreign currency (not SGD).

📄 Complete review of the Maybank XL Rewards Card

Also check out the highly-rated Maybank XL Cashback Card.

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💸 Annual fee
$87.20
(First 2 years waived)

👶 Age requirement
21 to 39 years old

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction quarter
(No expiry if you qualify for the Rewards Infinite programme)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base TREATS point per $5 dollar spent, plus 45 bonus TREATS points for eligible transactions (equivalent to 4 mpd in total).

📜 Terms & conditions
📜 Terms & conditions of Maybank TREATS points

Maybank XL Cashback

5% cashback on flights, hotels, dining, shopping, foreign currencies

Apply

🎁 Sign-up promos

+ Card Summary

Mini review of the

Maybank XL Cashback Card

Suitesmile rating:

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This card gives you a strong 5% cashback on selected spending categories like flights, hotels, dining, shopping (in-person & online), food deliveries, entertainment and foreign currencies (overseas & online), when spending at least $500 and up to $1,600 per calendar month.

But oldies beware, this card is only available to those aged 21 to 39 years old.

Qualifying transactions:
Only whitelisted Merchant Category Codes (MCCs) for each spending category qualify for the bonus earn rate. Unsure about the MCC? Check before making the payment.

However, if you’re spending in a foreign currency, it doesn’t matter what the MCC is, provided it doesn’t fall under the general exclusions stated in the t&c. What’s great is that typically-excluded spending categories like Utilities, Medical and Education qualify for 5% cashback, when paying in a foreign currency.

All other transactions earn just 0.2% cashback (uncapped).

Cardholders can reduce the foreign currency fee by about 1% by pairing this card to Amaze. IMPORTANT: Only do this for the non-foreign currency bonus categories (flights, hotels, dining etc.) made in foreign currency (not SGD).

If you’re into the Miles, check out the highly-rated Maybank XL Rewards Card.

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💸 Annual fee
$87.20
(First 2 years waived)

👶 Age requirement
21 to 39 years old

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount will br credited to the card at the end of the next calendar month.

📜 Terms & conditions

UOB Visa Signature

4 mpd on foreign currency, contactless spending

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🎁 Sign-up bonus

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More information on the

UOB Visa Signature Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on two categories:

1. Foreign Currency
2. Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (bus/mrt), Fuel (excl. SPC, Shell)

A minimum spending of $1,000 per statement month is required for each of the 2 categories, with a category cap of $1,200 in the same period. You may also enjoy the bonus earn rate on just 1 category in any statement period.

These categories offers broad coverage on spendings like shopping (in-person and online), foreign currency (in-person and online), dining, groceries, flights, hotels, food delivery and ride-hailing.

All other spendings earn just 0.4 mpd (uncapped)

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💸 Annual fee
$218
(First year waived)

💼 Income requirement
$50,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
$25 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Trust Cashback

1% cashback, no FX fees, free overseas ATM withdrawals

Apply

🎁 Sign up bonus

+ Card Summary

More information on the

Trust Cashback Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee! Note: Cardholders can only receive 1% cashback on non-chosen spending category (personally, I picked the Wellness category to receive 1% cashback on all foreign currency spending other than spas, gyms, pharmacies etc.).

The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.

To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:

1. Apply for the Trust card with code V1WB7T8A
2. Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
3. Deposit enough money into your Trust Savings Account
4. When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane

The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:

• Dining (e.g. restaurants, bakeries, food deliveries)
• Shopping (e.g. department, clothing, watch stores)
• Travel (e.g. airlines, hotels, travel agencies)
• Wellness (e.g. beauty shops, spas, gyms, pharmacies)
• Transport (e.g. ride-hailing, car rental, petrol)
• Entertainment (e.g. bars, movies, streaming services)

Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.

To summarize the cashback mechanics:

To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.

This also means that, to unlock the “15% cashback” on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, there’s a huge opportunity cost of not using other superior cards on this amount.

Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.

Cardholders can choose their preferred bonus category in the Trust mobile app.

📄 Complete review of the Trust Cashback Card

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💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

Citi PremierMiles

Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi PremierMiles Mastercard

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend using this card over other General Spending cards with similar earn rates.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March this year, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.

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💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free lounge visits per calendar year
(via Priority Pass)

⏰ Points expiry
Miles earned on this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
1 Citi mile = 1 mile

🧮 Transfer block
10,000 miles

💲 Transfer fee
$27.25 per transfer

🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

Maybank World

Earn uncapped 2.8 – 3.2 mpd on foreign currency spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Maybank World Mastercard

Suitesmile rating:

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✍️ Short summary
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least $800 per calendar month on the card (in any currency).

Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least $4,000 per calendar month on the card (in any currency).

Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.

On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.

Cardholders also get 4 mpd at selected merchants.

All other transactions earn just 0.4 mpd.

Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned on all your other Maybank cards!

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💸 Annual fee
$261.60
(First year waived)

💼 Income requirement
$80,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
No transfer fee!

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Maybank Horizon

Earn 2.8 mpd on flights and foreign currency spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Maybank Horizon Visa Signature Card

Suitesmile rating:

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✍️ Short summary
Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least $800 per calendar month.

On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least $800 per calendar month. However, this bonus earn rate is capped at $10,000 per calendar month.

Other whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.24 mpd.

Miles earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, I recommend using this card only for school fees in foreign currency and more-expensive flight bookings in Singapore Dollars.

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💸 Annual fee
$196.20
(First 3 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
(No expiry if you also hold the Maybank World Mastercard)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 3.2 mpd in total).

📜 Terms & conditions

📜 Terms & conditions of Maybank TREATS points

Buy Miles and Points from other Loyalty Programs

Buy miles and points through official promos of other frequent flyer and hotel loyalty programs.

Buy air miles:

• KrisFlyer & Asia Miles (through UOB Payment Facility)
• Air Canada Aeroplan
• Finnair Plus
• Qatar Airways Privilege Club

Buy hotel points:

• GHA Discovery
• World of Hyatt
• Marriott Bonvoy
• Hilton Honors
• IHG One Rewards
• Choice Privileges