[Guide] Holidays round the corner!

The December school holidays are just round the corner. It’s almost always the best time of the year to travel as a family, when kids are not in school and the office is half empty. But it is also a pricey time to travel. The hotels and inter-city travels may set you back a couple of thousands. It’s time to earn big rewards on those expenses.


UOB Visa Signature

UOB Visa Signature
UOB Visa Signature

There are few recommendations on this card, even though it carries the best foreign currency earn rate at 4 miles per S$1 spend. Reason being the relatively difficult criteria to earn that; a minimum spend of S$1,000 for that month before the earn rate kicks in. Failing which a paltry 0.4 miles per S$1 spend applies. Now that’s a 10x difference!

That said, if you are traveling on a holiday to places like Switzerland, or spending a couple of weeks in Sheraton, hitting $1,000 spend is not so much of a problem.


OCBC Titanium Mastercard

OCBC Titanium
OCBC Titanium

There has been zero coverage on this card so far at Card Cow, even as it carries on of the better earn rates of foreign spend at 2.5 miles per $1 spend. If S$1,000 minimum spend for the month is high, consider this: OCBC Titanium Mastercard requires S$1,500 minimum spend.

Of course, a spend of S$1,500 is also dependent on the trip you’re making, and the number of people you are paying for.



UOB PRVI MasterCard/Visa
UOB PRVI MasterCard/Visa

This card comes in both the Mastercard and Visa version. The good thing about it is that it comes with no minimum spend and earn rates do not fall too far back at 2.4 miles per S$1 spend. It is also very versatile, with local spend in Singapore netting a 1.4 miles per S$1 spend. The catch though is the relatively high annual income requirement of S$80,000.


ANZ Travel

ANZ Travel Visa - Tha card to use in Australia and New Zealand
ANZ Travel Visa

How would we miss this one out? This is specific to travel in Australia and New Zealand, hot self-drive destinations for many Singaporeans. The earn rate is 2.8 miles per S$1 for AUD or NZD transactions with no minimum spend requirement. This card is relatively versatile as well, earning 1.4 miles per S$1 for S$ based transactions. In an earlier post, we discuss on versatile cards with decent rewards. Income requirement to apply for this card is S$60,000, pretty mid range. If you are visiting Australia or New Zealand this holidays, get your card here.


Some tips on earning the maximum airmiles?

1. When you are asked if you’d like the charge in SGD or foreign currency, always take the latter. SGD based charged will not net you those earn rates.

2. Consolidate your spending, especially when traveling with friends. Then find a way to divide the airmiles earned. If you enjoy traveling together, plan another trip together. And another, and another. That’s how we bond as friends right?

3. Know your statement date. The minimum spend criteria must happen within the same statement. Hence, if S$1,000 spend has been straddled across two statements, I’m sorry but UOB Visa Signature is only ‘rewarding’ you with 0.4 miles per S$1 spend.


Happy Holidays everyone!

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