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dahnoob 29-03-2017 11:25 PM

Best (Miles/Cashback) card for (XXX) payment
 
In view of the influx of new threads asking the same question over and over again, I am proposing a master thread for all related questions. Please ask your questions in this thread instead of creating a new one, and I will update this top level post as time goes. Also, I will be sharing some 'best xxx cards for yyy transactions', but as some of you may know, I am a miles collector instead of cashback. Therefore my knowledge on cashback cards may be quite limited, and I would appreciate if you guys can contribute on those as well. Cheers!

If you have any suggestions to make the thread easier to read and parse, feel free to let me know!

Crowd sourced spreadsheet for online merchant classifications here

A template for asking questions (suggested, but feel free to use your own):

Aim: miles / cashback
Merchant: can either be specific (eg. Amazon) or general (eg. restaurants)
Currency: SGD / foreign
Mode: online / offline / contactless


UPDATED AS OF POST #161, 19 May 2017


Miles:
*All cards earn 4mpd unless otherwise stated

Contactless:
UOB PPV (caps at 24,000 UNI$ or $12,000 spent in a year, shares cap for both contactless and online)
UOB Visa Signature (min $1k/statement, capped at $2k/statement)
OCBC Titanium Rewards (until 31 Sep) (caps at 120,000 OCBC$ from all sources)

Online:
DBS WWMC (caps at $2000 spent in a month)
Citi Rewards (caps at 120,000 TYP in bonus points per year, individual cap for visa and master)
UOB PPV (caps at 24,000 UNI$ or $12,000 spent in a year, shares cap for both contactless and online)
HSBC Advance (until 31 May) (caps at your credit limit each month)

Overseas:
UOB Visa Signature (min $1k/mth, capped at $2k/statement)
OCBC Titanium Rewards (only for shopping categories) (caps at 120,000 OCBC$ from all sources)
UOB PRVI (2.4mpd)

Shopping:
Citi Rewards (caps at 120,000 TYP in bonus points per year, individual cap for visa and master)
OCBC Titanium Rewards (caps at 120,000 OCBC$ from all sources)

Dining:
HSBC Advance (caps at your credit limit each month)
UOB PPA
Citi Clear (2mpd)

*Passion Card 10% @ Food republic - use PPV + paywave/mobile payment (til 31 Sep)

Hotel (OTA):
DBS Altitude (10mpd Kaligo, 6mpd Expedia)
UOB PRVI (10mpd Kaligo, 6mpd Expedia, 6mpd UOB Travel)
Citi PM (10mpd Kaligo)

dahnoob 29-03-2017 11:25 PM

Cashback:
*Information in brackets are (Cashback rate / condition / cap)
**Assume highest cashback tier unless otherwise stated)
*** c.mth = calendar month, s.mth = statement month

Generic:
UOB One (5% | $2k/mth for all 3 s.mths of qualifying qtr | $300/qtr)
Amex TCB (1.5% | NONE | NONE)
SCB Unlimited Cashback (1.5% | NONE | NONE)
SCB Manhattan (3% | min $3k/s.mth | $200/qtr)
Maybank Platinum (3.33% | min $1k/c.mth for c.qtr | $100/qtr)

Contactless:
DBS Live Fresh (5% + 1.2mpd | min $700/c.mth | $70/mth)
DBS Visa debit (5% | Max 3 cash withdrawals and below $400 per c.mth| $50/mth)
UOB Delight (3% in SMART$ | min $400/c.mth | 50SMART$/mth

Hotel (overseas):
CIMB Plat Mastercard (10% | min $500/s.mth + 8x$30/s.mth | $60/mth)
ANZ Optimum (5% optimum$ | choose dining entertainment for the quarter | round down to 0.1optimum $ per transaction then round down total to 1optimum$ at end of s.mth, max 30 optimum$/transaction, no mthly cap)

Online:
SCB Singpost (7% | min $600/s.mth | $60/mth)
DBS Live Fresh (5%+1.2mpd | min $700/c.mth | $70/mth)
BOC Family (5% | min $500/s.mth | $100/mth)

Dining:
POSB Everyday ( 14%/9%/3% | Online food delivery/weekend/weekday + min $600/c.mth | $50/mth)
CIMB Visa Signature (10% | min $500/s.mth + 8x$30/s.mth | $60/mth)
BOC Family (7% | min $500/s.mth | $100/mth)
Citibank Cash Back (8% | min $888/s.mth | $25/mth)
ANZ Optimum (5% optimum$ | choose dining entertainment for the quarter | round down to 0.1optimum $ per transaction then round down total to 1optimum$ at end of s.mth, max 30 optimum$/transaction, no mthly cap)

Groceries:
Citibank Cash Back (8% | min $888/s.mth | $25/mth)
UOB delight (8% in SMART$| Dairy Farm group + min $800/c.mth | 50 SMART$/mth)
Maybank Family and Friends (8% | NTUC, Cold Storage + min $1k/c.mth | $600/c.yr)
Citibank SMRT (7.3%/5% | kallang wave fairprice xtra/ Sheng siong,giant,ntuc + min $300/s.mth + min $50/transaction | 600 smrt$/ year if card renewal after 7 feb17, 280 smrt$ otherwise)
BOC Family (5% | min $500/s.mth| $100/s.mth)
ANZ Optimum (5% optimum$ | choose groceries for the quarter |round down to 0.1optimum $ per transaction then round down total to 1optimum$ at end of s.mth, max 30 optimum$/transaction, no mthly cap)
POSB Everyday Card (5% | Sheng Siong only+ no min spend| $50/c.mth)

Petrol:
Citibank Cash Back (8% | min $888/s.mth | $25/mth)
POSB Everyday Card (5% DBS/POSB discount + 6% rebate | SPC only+no min spend | NONE)


Nets Flashpay ATU:
BOC Family (5% | $500/s.mth | cap on $200ATU/s.mth+ total family rebate max $100/mth)

Merchant Specific:
Best Denki - BOC Family 5% (5% | $500/s.mth | cap on $200ATU/s.mth+ total family rebate max $100/mth)
Uber - SCB (20% until September 30 | min $600 retail spend/c.mth | $50/mth)
Grab: Citibank Cash Back (20% until July 6, 8% thereafter | min $888/s.mth | $50/mth). No DCC.
HSBC Advance Visa Platinum (till 31 May)

dahnoob 29-03-2017 11:26 PM

Reserved for future updating. 2

dahnoob 29-03-2017 11:26 PM

Reserved for future updating. 3

dahnoob 29-03-2017 11:26 PM

Reserved for future updating. Last.

Post away!

Trazora 29-03-2017 11:30 PM

Need min $600 for dining cashback on posb everyday.

Dining
Boc family(7% | min $500/mth | $100/mth)

vince123123 30-03-2017 01:02 AM

Great thread by a great contributor! When this takes off, we should definitely upgrade it to sticky status!

vince123123 30-03-2017 01:03 AM

For "Overseas: UOB Visa Signature (min $1k/mth) / UOB PRVI (2.4mpd)", might be a good idea to state that UOB Visa Signature's 4mpd is capped at S$2k/statement month)

lalaisgongon 30-03-2017 09:27 AM

Dining: HSBC Advance / UOB PPA / Citi Clear (2mpd)

HSBC Revolution (2mpd)


Dining:
HSBC Premier/Plat (1% min $300, 2% min $800) + 0.4mpd

Groceries
HSBC Premier/Plat (3% min $300, 5% min $800) + 0.4mpd *Note, not restriction on which groceries.

w4rdsg 30-03-2017 09:39 AM

Very useful consolidation, thanks.
Online spend classification is a can of worms though so would be useful to link to our very own crowd sourced spreadsheet:

https://docs.google.com/spreadsheets/d/1ffbzrIlK7iTO_IAT7nzk8ULWf1zsRX9F-rniLbRwwR4/edit

arigatoast 30-03-2017 09:50 AM

just to add
For Shopping cashback
DBS BLACK CARD- 5% for spends in stores that sells watches, jewelleries, shirt, shoes etc ( refer to dbs webbie) / min spend $700 per calender month/ max cb is $70

in addition, its gives 1.2miles ( in the form of DBS pts) per $ spent in above categories...

Trazora 30-03-2017 10:16 AM

Quote:

Originally Posted by arigatoast (Post 107170475)
just to add
For Shopping cashback
DBS BLACK CARD- 5% for spends in stores that sells watches, jewelleries, shirt, shoes etc ( refer to dbs webbie) / min spend $700 per calender month/ max cb is $70

in addition, its gives 1.2miles ( in the form of DBS pts) per $ spent in above categories...

Not really, the 3xpoints ie 1.2miles/$ is for paywave, and only apply to the visa version.

The 5% shopping rebate promo ending on 31 mar, not sure if will extend.

final1 30-03-2017 10:31 AM

Nice list. Would be good to state whether miles will expire or will not expire for the respective cards because some are having non-expiry which is an important point for some people.

dahnoob 30-03-2017 11:04 AM

Quote:

Originally Posted by w4rdsg (Post 107170278)
Very useful consolidation, thanks.
Online spend classification is a can of worms though so would be useful to link to our very own crowd sourced spreadsheet:

https://docs.google.com/spreadsheets/d/1ffbzrIlK7iTO_IAT7nzk8ULWf1zsRX9F-rniLbRwwR4/edit

Will do!

Quote:

Originally Posted by Trazora (Post 107170882)
Not really, the 3xpoints ie 1.2miles/$ is for paywave, and only apply to the visa version.

The 5% shopping rebate promo ending on 31 mar, not sure if will extend.

Will add to list if it extends.

Quote:

Originally Posted by final1 (Post 107171140)
Nice list. Would be good to state whether miles will expire or will not expire for the respective cards because some are having non-expiry which is an important point for some people.

I feel that doing this will create too much clutter, and most miles collector should be aware of their own expiry dates. Made this thread mainly for the purpose of eliminating all the "What's the best card for XXX/YYY merchant?" threads, so that other more useful threads can be on the first page as well.

Perisher 30-03-2017 11:24 AM

Admin approved request to consolidate threads into 1 master stickies.
Will add this to sticky thread. Give some time to arrange the stickies.


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