These are the cards for wedding spend (or other major expenses) that gives you two free return tickets to Europe/US.

In our previous post, we talked about the 6 steps in maximising reward airmiles from your wedding banquet.

Where can you go with our tip?


Bringing the game forward, let us assure you that a couple can achieve at least 136k KF miles on a spend of S$28.5k. That gives you two economy class return tickets to Europe (requires 119k KF miles)! And you have some left over.

28 June 16 Bonus cards (04)


Now let’s walk you through and be surprised at what you can achieve!


1. Citibank Premiermiles Visa is your best bonus card

Citibank Premier Visa

This promotion does not last very long, so get it while it’s around! Get this card by 14th August 2016 and spend S$10k by November 2016. That’s 42k miles in your pocket already.

[As pointed out by a friend, 42k miles applies only when you’re a new Citibank credit cardmember, if you’re not, it’s only 12k miles. If you’re an existing Citibank credit cardmember, go with the other generic spend cards. See point 6.]

While you’re at it, get the ANZ Travel Visa also. It’s good value.

28 June 16 Bonus cards (03)

Note that citi miles redemption costs S$25 each time. This is the same for ANZ Travel$ as well.

2a. Let’s assume that AMEX is accepted


This should be the case. The situation is whether or not the restaurant/hotel levies an additional charge for the use of AMEX. How much surcharge is acceptable before you should reject paying by AMEX? The amount of surcharge you should be willing to pay is a function of how much bonus airmiles you should be receiving.

There are five AMEX cards that gives generous bonus miles. In short, the surcharge you can accept –
(i) Singapore Airlines KrisFlyer Ascend Credit Card: 2%
(ii) AMEX Rewards: 8%
(iii) Singapore Airlines Krisflyer: 3%
(iv) Singapore Airlines PPS Club: 4%,
(v) Singapore Airlines Solitaire PPS: 2%.

A detailed writeup on this here.


2b. Five AMEX Cards with bonus miles

Mentioned in the previous point, those are the five cards. Now take note of the eligibility. AMEX Rewards, Krisflyer Ascend and Singapore Airlines Krisflyer have low hurdles. For the other two you must be PPS Club and Solitaire PPS Club principal members.

28 June 16 Bonus cards (01)

Only AMEX rewards costs S$20 per redemption, for the other 4 AMEX cards, miles are credited direct to Krisflyer account at no cost.

3. Apply for your card in advance of 6 month


As you can see, you need to spread out the spend out for AMEX Rewards. As for the other cards, you’ll just have to ensure you can make the spend in the next half year. That said, it then depends on your credit limit. If your credit limit is high, you could do with a lump sum payment. If not, you’ll have to pace your spend.

Conditions for card change without warning. Getting the card earlier gets you in a better bargaining for those miles you should get prior to changes in terms and conditions. Based on my good experience with AMEX, that negotiation is highly doable.


4. You spouse applies and uses the card accordingly as well.


If you had managed to get all the cards 7 cards above (or 14 cards as a couple), you’d have achieved total 189k KF miles as a couple on a combined spend of S$38.5k.

This is very good value for your dollar. This gives you and your spouse a return ticket to Europe/USA/South America on economy class. Earlier in the article we mentioned 136k KF miles. That’s because the PPS cards are not easily achievable for all to obtain.

Will a wedding banquet cost only S$38.5k? Very unlikely. Be prepared to get more miles.


5. Remaining banquet spend on dining card

This is where we distinguish if your hotel is a restaurant or restaurant in hotel.

In a restaurant, the best cards to use are:

(i) UOB Preferred Platinum AMEX


The earn rate is 4 miles/S$ spend.

This card appears to have been ‘de-marketed’. However, there are feedback that this card is still available through the right channel. Check this post from Milelion.

“Apparently, UOB has not updated their back-end applications for SMS applications. Meaning that you can apply via SMS following the method below-
SMS spacespace to 77862
For example: SMS Yespp 7890 S1234567H to 77862.
To give a bit more clarity, “7890” here is the last 4 digits of your existing UOB card (This option will only be available to people who have an existing UOB card and not new applicants). “Yespp” means you want to apply for the Preferred Platinum Account. And yes, 77862 is the official UOB SMS number, you can verify that online.”

So please try that out and share your experience.

There are still a few reasons why this may not work.

Card is no longer available – Hence apply for the card early. If it’s no longer available, you can fall back on other cards.

Restaurant doesn’t accept AMEX – There are alternatives also. See (ii).

There is a surcharge on AMEX transactions – The real question here is how much surcharge is an acceptable level? The magical figure here is 6%. If it’s less than 6%, it’s fine.

(ii) HSBC Advance Platinum Visa


image_hsbc-advance-platinum-card@2x (4)

At 4 miles/S$, and no cap on the reward miles, it certainly is the best card out in the market. With such a good deal, there certainly must be some catch.

Eligibility for rewards requires a minimum deposit of S$30k at HSBC Advance Account. Naturally, the user may consider about the opportunity costs and such about leaving such a sum in a relatively low interest rate environment in Singapore, but that’s a conversation for another day.

(iii) Citibank Clear Platinum Visa

Citi clear PM

The third choice? That probably goes to Citibank Clear Platinum Visa. This is a very generic that is targeted at the larger mass. It’s 2 miles/S$ on dining.

6. Filter down to generic cards

If you are hosting your wedding in a hotel restaurant, you’ll have to use generic spend cards. These are cards that give you a 1.4 miles/S$ on any local spend. Is it of good value?

While I’m all in for miles, it is actually better to hit the rebate cards here. Depending on how you value airmiles, this earn rate works out to be between 2.1% to 2.8% effective discount. There are a few cards that give you way better rebates.

ANZ Travel Visa - Tha card to use in Australia and New Zealand    UOB PRVI MasterCard/Visa

To stay in the topic of airmiles, the two generic spend cards are ANZ Travel Signature and UOB PRVI Visa/Mastercard.

The rebates cards that give better value are ANZ Optimum (5%), UOB One (3.33%), AMEX True Cashback (3%) and SCB Manhattan (3%). We are not going into details here, but do take note of how this mix and match option may give you the best value.

Business class tickets possible?

The number of miles you can get also depends on how much you spend.

But there are other expenses also, such as wedding dresses, photography services and rings. I’ve personally maxed out my rewards and got two free business class to Europe.

Share this and let the spread the joy!

2 thoughts on “These are the cards for wedding spend (or other major expenses) that gives you two free return tickets to Europe/US.

Leave a Reply

Your email address will not be published. Required fields are marked *