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Greatest bank cards to make use of for miles in 2024


Apr 9, 2024


Should you’re attempting 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 gathered that a lot. It’s not rocket science, and constant readers would most likely already see me discuss these methods earlier than, however right here’s a breakdown of how we acquired ours anyway:

A breakdown of our bills and the way we clocked our 200k miles inside a yr.

Nevertheless, a few of the playing cards have since lowered their rewards advantages (e.g. UOB Woman’s), so right here’s an up to date submit on what it’s best to get for 2024.

My bank cards technique

To clock miles on the FASTEST doable earn fee, you have to be doing these:

  • Use specialised bank cards that give 4 mpd for many of your spend
  • For every thing else, use normal bank cards of 1.4 – 1.7 mpd
  • Preserve 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 appears to be like something like mine, you’ll possible 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 (consists of ride-hailing and public transport)
  • Leisure tickets (e.g. SISTIC or Ticketmaster)
  • Journey (flight tickets, accommodations, vacationer actions, and so on)

In that case, right here’s one of the best 4 mpd playing cards I’d 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 can be elevated to $3,000 as a substitute!

Similar for DBS Lady’s Playing cards, if you happen to go for the DBS Lady Card you’ll solely be getting 2 mpd, whereas the DBS Lady’s World Card will provide 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 possibility now for public transport so we’ll simply must accept the final 1+ mpd playing cards right here. If that adjustments, let me know!

Every time you journey overseas, be sure to first use a 4 mpd to ebook your travel-related bills – the UOB Woman’s Card and DBS Lady’s World Card are my high selections.

However once I journey overseas and must spend utilizing international foreign money, I usually 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 once I’m overseas for miles?

A: UOB PRVI Miles Card could give 2.4 mpd on foreign currency 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 international foreign money 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 possible come out of your taxes, insurance coverage and schooling charges. For these of you who keep in condominiums, your month-to-month MCST prices can add up too. The excellent news is, you may 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 might get miles for the process, since it will be a sizeable invoice.

Fortunately, there’s a hack round this which my good buddy 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 Lady’s World Card earned us just a few 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 illustration, can usually see you busting these limits quite shortly. 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 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,
Finances Babe


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