Best Miles Card Singapore : Strategy

How to choose the Best Credit Cards for your lifestyle?

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Navigating the credit card rewards landscape can be overwhelming with so many options available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.

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Qatar Airways Qsuites

Qatar Airways Qsuites | Source: Qatar Airways

Analysing Your Spending Habits

The first step is to understand your monthly expenses across different categories such as:

Online

Contactless

Dining

Foreign Currency Spend

General Spend

This information helps us better understand your spending patterns and determine the best set of credit cards based on your spend.

Personalized Credit Card Recommendations

Next, our AI-driven platform compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions. We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also provide options for further optimization such as only looking at cards from specific banks or cards with no required first year annual fee.

Continuous Monitoring and Recommendations

Since the credit card terms can change over time, our platform continuously updates its recommendations based on your spending saved and informs you of changes needed in your card portfolio to optimize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

Sign-up Bonuses

Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card

Sign-up bonuses often offer substantial benefits for spending in the first few months of getting the card. This includes getting additional miles or gifts such as free AirPods Pro 2 or $250 cash.

We partner with financial institutions and Creatory/ SingSaver to ensure that you get the best promotions and sign-up bonuses in the market. For instance, the SCB Journey Card offers a sign-up bonus of a free $280 eCapitaVoucher and 45,000 miles (worth ~ $780) if you spend at least $3,000 within the first 2 months and pay the annual fee of $196.20. If you wish to get the annual fee waived, you will get 25,000 miles (worth ~$437) instead.

UOB PRVI Miles

UOB PRVI Miles

Similarly, the UOB PRVI Miles is also running a promotion of 45,200 miles guaranteed (worth ~$791) if you spend min. S$1,000 per month for 2 consecutive months from card approval date and pay the first year annual fee payment of S$261.60. You can also earn an additional 4,800 miles if you have a min. overseas spend of S$1,000 per month for 2 consecutive months.

Example

To illustrate, let's consider Jonathan's monthly spending:

Online: $1000

Contactless: $800

Dining: $500

Foreign Currency Spend: $0

General Spend: $300

dtenAI Recommendation Engine

dtenAI Recommendation Engine

Based on Jonathan's spending pattern, with a single-click, our platform performs the optimisation and recommends the credit cards that will help him earn a total of 9650 miles (~$168) per month.

UOB Lady's Solitaire: Offers 4 miles per dollar spent on dining, rewarding you with 2000 miles on $500 spent.

UOB Preferred Platinum Visa: Offers 4 miles per dollar on mobile contactless spend, rewarding you with 3200 miles on $800 spent.

DBS Woman World's Card: Offers 4 miles per dollar on online spend, rewarding you with 4000 miles on $1000 spent.

DBS Vantage Card: Offers 1.5 miles per dollar on general spend, rewarding you with 450 miles on $300 spent.

With 115,800 miles earned in a year, Jonathan is able to redeem a SQ Business Saver Award Ticket to Rome, Italy or two return SQ Economy Saver Award Tickets to Tokyo.

Choosing the optimal credit cards will significantly reduce the cost of travel, especially when travelling in premium classes. An SQ Business Ticket to Rome, Italy costs more than $6000 if you did not collect any miles. Our AI-driven platform simplifies this process by providing personalized, data-driven recommendations to ensure that you always have the best set of cards to maximize your rewards and benefits