Overseas travellers willing to pay the S$588.5 non-waivable fee (offset by 35,000 welcome miles) can earn more miles with SC VI Card than with any other on the market. $535. Step-up earn rate of 1.25 air miles per $1 spend only valid from Year 2 of card membership Citi Prestige. What the difference between perpetual endowment and saving plan? Consumers also enjoy free travel insurance, airport lounge access, hotel and golfing privileges and more. POSB Everyday vs Citi Cash Back vs OCBC 365: Find out which credit card fares the best in helping you milk every dollar as you spend on essentials. Complimentary airport limo with $20K spend per quarter Fourth night free on any hotel booking GHA Black hotel elite status. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. Any advice on which option is better? Income RM5,000 /month Annual Fee Free Cashback up to 5%; AFFIN Islamic Visa Business Platinum Card Min. Consider this if you want the ability to redeem your miles whenever you want, without blackout dates. Which is the easiest to hack miles from? I haven't recieve the new citi card but bro the voyage card feels like a … Their earn rates are quite comparable as well. spend). Voyage miles are extremely flexible in that they can be used to offset revenue airfare payments. Earn 2.1 air miles or 2.1 Travel$ (3.00% cash rebate) per $1 spend in foreign currency. Luxury Travel Card with High Miles for Local Dining, OS=Overseas Spend, LG=Local General Spend, LD=Local Dining Spend. The UOB Visa Infinite Metal Card gives Singtel subscribers complimentary data roaming plans. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. While cashback credit cards are a permanent fixture in many people’s wallets, they sure aren’t all the same. Apply for Citi Prestige Card online today! Consumers earn 2.3 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Those spending S$8,000+/month, however, may earn similar or greater return value with OCBC Voyage Card than with many cashback alternatives, while also enjoying the travel perks. What is best credit card for travel and accumulating miles and what is your view on the Amex Plat card for collecting miles vs OCBC Voyage card. ... Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. If you spend more overseas, then the OCBC VOYAGE wins with its 1.2/2.4 mpd local/overseas spending rate. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. Ever wonder what the difference is between the complimentary travel insurance offered with your credit card and conventional standalone travel insurance? Online Shopping (Clothes, Shoes, Bags) HSBC Revolution – 2 mpd; OCBC Titanium Rewards – 4 mpd (Capped at S$1,000 per statement period) Citi Rewards – 4 mpd; UOB Preferred Platinum Visa – 4 mpd (Capped at S$1,000 per calendar month) Consumers looking to maximise value return on their spend may prefer a cashback card. Elijah Lee, Independent Financial Advisor at Phillip Securities (Jurong East). The former one is a good choice for collecting Asia Miles with the earning ratio of HK$8=1 mile with no mileage conversion fee while the latter one offers many travel perks including up … HSBC Visa Infinite. For that, you get Diamond with Hilton Honors which is a notch higher than the “standard” Visa Infinite cards. Benefits: Citi Prestige Accumulating miles: Voyage The OCBC VOYAGE card can get cash rebate of up to 2.2% based on the same calculation method. Consumers can still enjoy free travel insurance and 2 free lounge visits per year, making Citi PMV Card great for average spenders who want perks. The Citi Ultima Visa Infinite is the second most expensive credit card in Singapore today with an annual fee clocking in at over S$4,000 per year. OCBC VOYAGE Visa Infinite Card. With Premier (and above) VOYAGE, I would choose to have both cards. I have both but I think I will cancel VOYAGE if I only want one premium card. If you could, take both. A world of unforgettable experiences awaits. The Citi Prestige 4th night free more than pays for the annual fee. 6 Best Free Airport Lounge Access Credit Cards In Malaysia. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. 120k credit cards) at the moment. The site does not review or include all companies or all available products. Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. OCBC Voyage Card also offers 1.6 miles per S$1 on local dining however, which is great for less frequent travellers. Airport lounges are restricted waiting areas in an airport with comfortable seats, business facilities, and perhaps most importantly, complimentary food … The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. Therefore, we strongly advise you to make your payment in advance. Is one card better than the other? None. $488 (Premier)/ $650 (Regular) Complimentary airport limo and expedited immigration clearance with $2K spend per month. None. What income do I typically need for these cards? We compare and contrast each card to highlight its uniqueness to help you identify the card that you need. I'm looking to start on the Regular Shares Savings Plan with $300 monthly, and deciding between DBS Invest Saver or OCBC Blue Chip Plan. Prestige has same local earning as Voyage but “only” 2.0 overseas. OCBC 90°N Card. Citi PremierMiles Card and Citi Rewards Card are the signature cards for Citibank. What are the pros and cons of each card? There is a S$535 fee, but cardholders receive 25,000 annual renewal miles (worth S$250) which actually offsets the cost to lower than OCBC Voyage Card’s. … Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. Cash vs Credit Cards: Which Is Better To Use When Travelling? Frequent travellers might prefer Standard Chartered Visa Infinite Card, which offers 3 miles per S$1 spend overseas, and consumers with lower spend on dining could earn more miles with Citi Prestige MasterCard (1.3 miles per S$1 local spend). We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. How Affordable Is a Vegan Lifestyle in Singapore? HSBC Visa Infinite Card. Consumers are most likely to benefit from OCBC Voyage Card if they spend most of their budget locally, with at least 25% of local spend on dining. Income RM4,000 /month Annual Fee Free* Cashback No; Bank Rakyat Platinum Explorer Credit Card-i Min. Benefits: Citi Prestige Accumulating miles: Voyage. Ultimately, OCBC Voyage Card is great for miles-seeking consumers with varying travel schedules because of its high rewards rate for local dining and its great travel perks. Cardholders earn 2.3 miles per S$1 spend overseas and 1.2 miles locally–plus a boosted rate of 1.6 miles for local dining. A Priority Banking Account is kind of like achieving elite status in a hotel chain's loyalty program - except instead of room nights, they measure your value to the organisation based on what you have at the bank (also known as Asset Under Management - AUM). Citi Prestige MasterCard v. Consider this if you want to maximise mile rewards without paying an extravagant annual fee. So in the end, they are both unique in their own ways. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. Given that 1 mile has an approximate S$0.01 value-to-consumer, OCBC Voyage Card’s rates are roughly equivalent to 2.3% rebate overseas, 1.6% on local dining, and 1.2% on general local spend. Best Credit Cards in Singapore 2021: RealValue Credit Card Rewards Calculator, Affordable Gifts for the Gen Z in Your Life, How To Maximise the Value of Your SingapoRediscover Voucher. Which one give better return? The next best is Citi Prestige where you get a free ride with $1500 spent in foreign currency within a quarter. Consumers spending S$4,000+/month can earn miles at top rates while avoiding an annual fee with UOB PRVI Miles American Express Card. OCBC Voyage Card is excellent for affluent consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Average consumers seeking miles for spend might consider Citi PremierMiles Visa Card, which offers 1.2 miles per S$1 local spend, 2 miles overseas. Citibank's New Prestige Card 334Likes. Best Plaza Premium Lounge Access Credit Cards In Malaysia . Indulge in exceptional travel and hotel rewards with the Citi Prestige ® Card, one of Citi's ThankYou ® rewards credit cards designed for avid travelers. For example, the Citi Prestige gives you the 4th night free on hotel stays, which can potentially help to pay for the annual fee. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. 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