The miles vs cash back debate is interesting and never-ending.
There is no one formula that fits everyone 😁
You will have to assess and evaluate for yourself what works best for you.
Sometimes, special promotions/deals come up and they are too good to resist. Follow the relevant influencers to keep up-to-date.
Technically speaking, I should be chasing miles as many influencers would note with my big family of 3 kids.
But I do not combine spent with spouse, etc and I live like really simple 😂. Of course, we should still spend on the kids 😘.
I choose miles over cashback. Because it's actually more fun managing them 😋. With installment payments/BNPL/etc, it serves big items and holidays expenses well.
No | Payment Type | Payment Mode | Card Tag | Rewards |
1 | Groceries | Mobile Contactless | UOB Preferred Platinum | |
2 | Transportation | Mobile Contactless | UOB Lady | |
3 | Dining | Online | Citi Rewards | |
4 | Online Purchases | Online | Citi Rewards | |
5 | Utilities Education Taxes Insurance | Online | Chocolate Finance | |
6 | Medical Telco Broadband | Online | Chocolate Finance Citi Rewards | |
7 | FavePay Shopee 7-Eleven | In-App | Citi Rewards UOB Preferred Platinum | |
8 | Small Amount Payments < $5 | In-App Mobile Contactless | DBS PayLah MariBank | https://www.dbs.com.sg/personal/support/bank-multiplier-eligible-transactions.html https://www.maribank.sg/product/mari-credit-card |
9 | Foreign Currencies | Mobile Contactless Online | Amaze + Citi Rewards YouTrip Trust Card | |
10 | Hotel Flights & Airlines | Online | UOB Prvi Miles UOB Lady | |
11 | Buy Now Pay Later | Atome | Atome Shopback PayLater | Used as installments to clock miles |
12 | Online Purchases | HeyMax Giftano Mooments Wogi | Gift Cards | Used to clock miles |
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