Accurate as of
June 2024
Credit cards when used responsibly becomes the best way to earn rewards on our already incurring expenditures. If you’ve followed along on my channel, I tend to accumulate cashback instead of miles. BUT! I’ve officially jump over to the other side, I’m going after miles. My reason was to offer the business class experience to my mom. 😬
💰 CASHBACK OR ✈️ MILES?
You’ve got to ask yourself this question first, would you one day want to experience flying business class?
I chose Cashback instead of miles back then (maybe even now still) as I did not desire for the business / first class experience. Flying budget, then spending more whilst travelling made logical sense + most of the countries I fly to are less than 7 hours away.
A little tip for you if you’ve chosen the Miles game - Find a card that gives you 4 miles per dollar, otherwise the accumulation will take forever. This is my Miles Credit Card strategy video.
My 2024 Ultimate Miles Credit Card Combination (No Minimum Spend)
After all the nerfs 🔫 this is my updated plan from 01 June 2024
Expenses | Credit Card | Redemption Value (KF) | 🎁 | |
🚌 Public Transport (Bus/MRT)
📺 Digital Subscriptions
netflix, spotify, youtube, disney+
☕️ Coffee
toastbox, ya kun, fun toast
🍔 Fast Food
burgerking, kfc, mcd, subway | 5.6 mpd
capped at $818 / Statement month
| 34,500 points for 10,000 miles | ||
🍣 Restaurants
🛵 Food Delivery
🛒 Supermarket
🛍️ Shopping
🚖 Taxi
📞 Phone Bill | Citi Rewards + Instarem Amaze | 4mpd
capped at $1,000 / Statement Month
| 25,000 ThankYou points for 10,000 miles | |
🏥 Insurance
💳 Pay for CC Bill
(for now it’s still this strategy) | HSBC Everyday Global Savings Account
- Everyday Rewards Programme | 1% Cashback | - | |
⚡️ Utilities | UOB One
| SP Power 4.33% | - | |
🏝️ Travel | UOB Lady’s | 4mpd
capped at $1,000 / Calendar Month | UNI$ 5,000 for 10,000 miles | |
Backup Online | DBS Womans World Mastercard | 4mpd
capped at $1,500 / Calendar Month |