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What cards are you holding now and what do you use it for?

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Old 29-08-2019, 04:46 PM   #1
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What cards are you holding now and what do you use it for?

Only hold 2 credit cards.
1.) Amex Platinum Reserve
-all my spendings are on this card, whatever Amex is not accepted I use the below card.

2.) Citibank Premiermiles Visa
-all other spendings that donít accept Amex

What cards do you hold and what do you use it for?
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Old 29-08-2019, 05:05 PM   #2
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Looking to add only 1 more card. Anyone has any recommendations based on what I already have.
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Old 29-08-2019, 05:24 PM   #3
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1st question to ask is what you expect to earn?

Points eventually to miles

or cashback.

It seems that you look at miles. However, both of your cards are not ideal for miles.

There are 4 miles cards for specific categories without minimum spending.

Since you are qualified for platinum reserve, you should be a big spender. List your expense to get optimized cards.
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Old 29-08-2019, 08:33 PM   #4
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For me
In the wallet (Local spds) :
DBS Livefresh : take pub trpt, Dining
HSBC Revo : Entertainment ( pubs , bars) , and if ive exceeded the cashback limit on DBS live fresh.
HSBC Advance Credit card : for all other spends.

Overseas (Overseas spds)
--BOC Elite Miles : nothing beats 3mpd

Online ( must remember to go via Shopback if able):
--Shopping: DBS LiveFresh or DBS Woman.
--Hotels: Citibank Premiermiles Kaligo Promo.
--Air ticket : DBS Woman
*Above will change base on credit card promotions at that point of time.
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Last edited by arigatoast; 29-08-2019 at 09:12 PM..
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Old 29-08-2019, 08:41 PM   #5
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Mainly focus on miles. Cashback as backup if miles is poor.

Citibank Rewards
Altitude
UOB YOLO - mainly for cashback if the other above don’t cover decent benefits. Mainly for grab.
AMEX True cashback - for all other scenarios and shop based promotions.
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Old 29-08-2019, 09:21 PM   #6
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Overseas (Overseas spds)
--BOC Elite Miles : nothing beats 3mpd
OCBC 90N has 4mpd, limited time offer. Can consider.
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Last edited by cassowary18; 29-08-2019 at 09:54 PM..
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Old 29-08-2019, 09:49 PM   #7
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1st question to ask is what you expect to earn?

Points eventually to miles

or cashback.

It seems that you look at miles. However, both of your cards are not ideal for miles.

There are 4 miles cards for specific categories without minimum spending.

Since you are qualified for platinum reserve, you should be a big spender. List your expense to get optimized cards.
Thing is I donít know what to focus on. Should I get another better miles card?
I want a card that will earn me rewards for:

1. Singtel bill
2. SP utilities
3. Town Council fees
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Old 29-08-2019, 09:52 PM   #8
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For my 3rd card Iím looking at DBS Womenís World Master Card.

With that I will have an amex, a miles card and a rewards card.
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Old 29-08-2019, 09:53 PM   #9
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For me
In the wallet (Local spds) :
DBS Livefresh : take pub trpt, Dining
HSBC Revo : Entertainment ( pubs , bars) , and if ive exceeded the cashback limit on DBS live fresh.
HSBC Advance Credit card : for all other spends.

Overseas (Overseas spds)
--BOC Elite Miles : nothing beats 3mpd

Online ( must remember to go via Shopback if able):
--Shopping: DBS LiveFresh or DBS Woman.
--Hotels: Citibank Premiermiles Kaligo Promo.
--Air ticket : DBS Woman
*Above will change base on credit card promotions at that point of time.
Seems that the DBS womenís card is very versatile.
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Old 29-08-2019, 09:54 PM   #10
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Mainly focus on miles. Cashback as backup if miles is poor.

Citibank Rewards
Altitude
UOB YOLO - mainly for cashback if the other above donít cover decent benefits. Mainly for grab.
AMEX True cashback - for all other scenarios and shop based promotions.
Your set up looks very well balanced thatís what I want to achieve too
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Old 29-08-2019, 09:54 PM   #11
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Thing is I donít know what to focus on. Should I get another better miles card?
I want a card that will earn me rewards for:

1. Singtel bill
2. SP utilities
3. Town Council fees
Start by reading this: https://milelion.com/credit-cards/guide/
Then make your own decision on which card you want to own.

Even though I'm not a miles chaser, I can tell your strategy is suboptimal.

Your set up looks very well balanced thatís what I want to achieve too
You gotta make a decision whether you want to chase cashback or miles. Your strategy should be heavily loaded towards your endgoal. Splitting your strategy between cashback and miles ensures you'll get very little of both.

Also, most miles chaser use rewards cards as a means to get miles.

Last edited by cassowary18; 29-08-2019 at 09:57 PM..
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Old 29-08-2019, 10:04 PM   #12
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Thanks for the sound advice, I think I will likely add the DBS womenís world card.
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Old 29-08-2019, 11:23 PM   #13
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Iím a miles chaser -
DBS WWMC - For all online/app purchases up to 2K / calendar month
UOB PPV - For all contactless payment up to 1K / calendar month
Amex KF Ascend - For Grabpay up to $200
UOB one card - To clock $500 monthly as a criteria for bonus interest on UOB one account while also getting 3.33% cashback
Citi Prestige - For any other spending once other cards hit cap, rarely used. Card is kept mainly for travel benefits
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Old 30-08-2019, 02:33 PM   #14
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Amex Cashback for cashback.
UOB PRVI for miles. (Mastercard)

Looking for another VISA to "balance" out the AMEX,MASTER,VISA thingy cos lot of places dont accept AMEX.

Any recommendations for a VISA?
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Old 30-08-2019, 03:03 PM   #15
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Thing is I donít know what to focus on. Should I get another better miles card?
I want a card that will earn me rewards for:

1. Singtel bill
2. SP utilities
3. Town Council fees
except Singtel bills, the other 2 bills have no earning for DBS WWMC.
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