Best Credit Cards 2020 No Annual Fee – Every Day, Every Day Why I Prefer Miles Over a Cashback Card When choosing a credit card, you need to decide whether you want cashback and miles. Find out why this travel blogger believes in miles.
Top 6 Air Miles Credit Cards in Singapore 2020 Choosing the best Air Miles credit card can help frequent flyers earn miles cheaper and faster. Here are 6 of the best in Singapore.
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Is it worth using your KrisFlyer miles for business promotion? We did the math and found it costs less to upgrade an economy ticket to business using KrisFlyer miles.
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Singapore Airlines has increased its KrisFlyer Air Miles Redemption Rate Effective 24 January 2019, KrisFlyer Miles redemption for certain Singapore Airlines & SilkAir awards will be increased by 12%.
What is the annual credit card fee? Annual loan fees can range from S$160 to S$700, with the standard being S$192.60. Premium credit cards charge higher annual fees of between S$400 and S$700. There are some specials like the DBS Insignia Visa Infinite and Citi ULTIMA cards with annual fees in the thousands.
Most credit cards offer a fee discount for the first year, and some offer discounts for two to three years. Some credit cards such as CIMB Visa Signature and CIMB Platinum MasterCard waive annual fees for life. However, remember that these are credit cards.
In addition to the annual rebate from the bank, some credit cards require you to spend a minimum amount for the year to receive the annual rebate for the following year. This cost can range from S$ 10,000 to S$ 60,000. Alternatively, you can contact the customer and try to waive it.
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Air miles, also known as miles or frequent flyer miles, serve as a customer loyalty program for air travelers. Airlines award you points every time you fly with them; Eventually, you can build up enough points for perks like free or discounted tickets or seat changes.
Some credit cards offer miles as a reward for using the card, and accumulating miles allows you to get more out of your credit card spending.
Credit card miles convert your credit card usage into miles or points that can be exchanged for miles. Every dollar you spend on your Air Miles credit card earns you a certain number of miles or points. It works like reward points, in this case the reward is air miles. These miles can be used to redeem a free flight or pay the price of your airline ticket.
You may want to consider getting a mileage card if you travel frequently for business or pleasure, as credit cards are designed to reward you more often. Miles credit cards make it easy to accumulate miles or points by spending abroad and, in some cases, use them at travel-related merchants and certain airlines.
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If you like to travel, earning miles on your daily spend is a great way to get your next flight ticket, especially if you have enough miles to redeem on a great airline, first class.
A credit card is a good idea if you plan to travel or travel frequently, especially on medium to long flights. Of course, your expenses will allow you to convert your Air Points into flights.
If it doesn’t, you might do better with a cashback card that can use the savings to pay off the cost of a plane ticket. Remember that cashback cards usually have a minimum monthly spend to get more cash back.
Read this article on cashback vs miles vs rewards to find out which type of credit card is best for you.
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If the miles you earn from your credit card go directly to a frequent flyer program, you can go directly to the airline’s website to view your miles. For example, if you earn KrisFlyer miles, you can log into your KrisFlyer account to view the miles you’ve accumulated and redeem those miles when purchasing an airline ticket on the site.
As for rewards, if you have accumulated enough rewards on your card, you can exchange these for air miles by redeeming them online, over the phone or in other ways specified by the credit card issuer. Most credit card companies allow points to be converted to miles in increments, such as blocks of 10,000 miles. This will require you to save enough content before you convert.
Once your points are converted to miles, you can view and redeem your miles on the active website.
One way to compare credit card miles is to compare miles earned (AKA miles per dollar or MPT). It’s about the number of miles you can earn for every dollar spent. To put things into perspective, expect 1.2 mpd to be average for local budgets, while 4 mpd is considered high.
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You can compare based on annual price, number of active participants, or other factors such as whether you can use SimplyGo for public transportation.
First-time mile chasers can read this article to compare popular credit cards on the market. Best Cashback Credit Cards in Singapore 2020 The best cashback credit cards in Singapore help you save money on your every day spending in a simple and easy way.
Cashback or Rewards Credit Cards: Which is Better? Between Cashback or Rewards Credit Card, Which is Better? We’ll help you decide.
9 Best Cashback Credit Cards for Supermarkets in Singapore Did you know that a good credit card can save you up to $600 a year on groceries? Find out which credit card is best for you.
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Standard Chartered Unlimited Card Review: A No-Fuss Cashback Card The Standard Chartered Unlimited Card is a great cashback card. 1.5% cashback on every spend & no refund.
What would you spend more money on? This is the best credit card for all types of expenses.
For those who prefer a no cash back card, this card earns you 1.6% cash back on any type of spending you do.
Eating out in Singapore is not cheap. This card earns 8% cash back not only at your restaurant, but also on food and gas.
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For families who frequent the supermarket, use CIMB Visa Signature to get 10% cashback on food in-store and online.
Car owners and private car drivers can save on fuel by getting 8% cashback at gas stations in Singapore and Malaysia. This card offers 8% cash back on groceries, fast food, food delivery and more.
Get cashback on your retail treatment using CIMB Visa Signature. This card offers you 10% cashback on food, beauty & wellness and shopping and veterinary services.
Loyal grab riders, this card is for you. UOB One offers up to 10% cashback on your Grab ride and Grabfood usage, excluding wallet payments.
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A cash back credit card gives you back a percentage (sometimes called cash back) of what you spend. This money will be credited to the same credit card you used and can be used to pay off your next credit card.
Just make a purchase with your credit card and you will get cash back on your credit card at the end of the month or next month. This refund will be a percentage of your income. For example, if your credit card offers 5% cash back on grocery spending, a $100 grocery bill will earn you $5 in cash back.
If your credit card has a monthly minimum spending requirement, you must spend a minimum amount at the end of the month to get your money back.
Most credit card rebates have set rebates of $20 to $25 for each category. Full refund within one month period. It can range from S$60 to S$80.
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It depends on the type you use. Special merchants such as food, grocery, shopping, online, entertainment, transportation, travel, and gas typically offer more discounts.
Many cash back credit cards require you to meet minimum spending requirements to get more cash back. If you don’t spend a lot of money, you can consider credit cards with no minimum spend. Also remember that once you reach the cashback cap, you can’t get more cashback on your next purchase.
It depends on the type you use the most. Choosing a credit card that fits your spending habits can help you maximize your income. You can narrow down your selection based on these main categories:
Yes yes. These credit cards do not require a minimum spend and have no cash back limit
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