Rewards Updates : Discover the Top Air Miles Credit Cards in Singapore for a Luxurious Travel Experience

Source : 

https://lobangsiah.sg/discover-the-top-air-miles-credit-cards-in-singapore-for-a-luxurious-travel-experience/

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✈️ Top Air Miles Credit Cards in Singapore (2025)

1. Citi PremierMiles

- ⭐ 1.2 mpd (local), 2 mpd (overseas), no expiry.

- ✅ Lounge access, travel insurance, flexible airline/hotel transfers.

- 🎁 Welcome gifts via SingSaver (e.g. $400 cash or Dyson Airwrap).

2. DBS Altitude

- ⭐ 1.3 mpd (local), 2.2 mpd (overseas), up to 3 mpd for flight/hotel bookings.

- ✅ No expiry, $1M travel insurance, 2 lounge visits/year.

- 🎁 Sign-up perks via SingSaver.

3. OCBC 90°N

- ⭐ 1.3 mpd (local), 2.1 mpd (foreign), bonus with Agoda.

- ✅ No expiry, flexible redemption in 1,000-mile blocks.

- ✅ DragonPass lounge, spa/dining perks.

4. Standard Chartered Journey

- ⭐ 1.2 mpd (local), 2 mpd (overseas), 3 mpd (online transport/food/groceries).

- ✅ Points don’t expire, 2 lounge visits/year, travel insurance.

- 💡 Good for Grab/Deliveroo/RedMart users.

5. Amex KrisFlyer

- ⭐ 1.1 mpd (local), 2 mpd (overseas), 3.1 mpd (Singapore Airlines/Scoot).

- ✅ Miles go directly to KrisFlyer with no manual conversion.

6. UOB PRVI Miles

- ⭐ 1.4 mpd (local), 2.4 mpd (overseas), 6 mpd (online flight/hotel bookings).

- ✅ Uncapped miles, travel insurance, valid for 2 years.

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🧠 What to Consider in a Miles Card:

- ✅ High earn rates (at least 1.2 mpd local).

- ✅ No expiry or long validity on miles.

- ✅ Bonus categories: travel, online, dining.

- ⚠️ Watch out for earn caps and foreign currency fees.

- 🎁 Use welcome bonuses to jumpstart your miles.

- ✈️ Look for perks: lounge access, insurance, easy redemptions.

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💡 Tip:

Use rewards cards as pseudo-miles cards by maximizing high-mpd categories and converting points to miles. Always pay full balances to avoid negating rewards.

Rewards Updates : 2025 Edition: Best Credit Cards for Hotels

Source : 

https://milelion.com/2025/07/14/best-credit-cards-for-hotels/

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Best Credit Cards for Hotels (2025 Edition)

By Aaron Wong | July 14, 2025

Hotel bookings can earn up to 10 miles per dollar (mpd) if you use the right credit card — but it depends on how and where you book and pay.

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🔍 Key Factors to Consider:

- Merchant Category Code (MCC): Determines how your transaction is classified

- Direct hotels: MCC 3500–3999 (major chains) / 7011 (others, incl. Airbnb)

- OTAs (Agoda, Booking, etc.): MCC 4722

- Payment Mode:

- Online (prepaid) = likely to earn online bonus

- Offline (pay at hotel) = depends on card/payment method

- Currency:

- Use FCY-friendly cards for overseas stays

- Avoid Dynamic Currency Conversion (DCC) scams — always pay in foreign currency

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🏨 Best Cards for Direct Hotel Bookings:

Earn up to 4 mpd with:

- UOB Lady’s / Solitaire (choose “Travel” category)

- DBS Woman’s World Card (online only)

- HSBC Revolution

- UOB Preferred Platinum / Visa Signature (check payment method conditions)

- DCS Imperium, Maybank, StanChart, BOC cards — especially for FCY spend

❌ Citi Rewards Card excluded — no bonus miles for travel-related categories.

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🌐 Best Cards for Online Travel Agents (OTAs):

For public OTA pages:

- Same cards as above (e.g., DBS WWMC, UOB Lady’s, etc.)

For special cardholder landing pages:

- Citi PremierMiles: Up to 10 mpd on Kaligo, 7.2 mpd on Agoda

- UOB PRVI Miles: Up to 8 mpd

- OCBC 90°N: Up to 7 mpd

🛑 Be cautious: special pages might have marked-up prices.

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🪙 Buying Hotel Points (via Points.com):

Not coded as hotel spend — use:

- Citi Rewards Card, DCS Imperium, UOB Visa Signature, or similar FCY-optimized cards

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⚠️ Tips & Caveats:

- Agoda (Mastercard payments) charges 1% cross-border fee — avoid with Atome or Visa.

- Some prepaid hotel rates still charge offline — check with the hotel if unsure.

- Bonus caps and rules vary; refer to each card’s T&Cs for limits and payment conditions.

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✅ Bottom Line:

To maximize miles on hotel stays:

- Know how your booking codes (MCC)

- Choose the right card for online vs offline and SGD vs FCY payments

- Compare prices before booking through bonus-miles landing pages — more miles aren’t worth it if you’re overpaying!

Rewards Updates : Which cards track spending by transaction date vs posting date?

Source : 

https://milelion.com/2025/07/10/which-cards-track-spending-by-transaction-date-vs-posting-date/

ChatGPT : 

Summary: Which Credit Cards Track by Transaction Date vs Posting Date?

When chasing credit card rewards, timing matters—especially near the end of a month or spending period. Whether spending is tracked by transaction date (when you buy) or posting date (when it's processed by the bank) affects whether you hit bonus caps or minimum spend requirements.

🔍 Key Difference

- Transaction date: When you make the purchase.

- Posting date: When the bank processes the transaction (usually 1–3 days later).

💳 Which Cards Track by Transaction Date?

Only DBS and Maybank cards track spending by transaction date, but both come with caveats:

DBS Cards (e.g. DBS Woman’s World, DBS yuu)

- Track by transaction date.

- BUT the date is based on merchant/acquirer timezone, not Singapore time—can be unpredictable.

Maybank Cards

- Maybank Horizon Visa Signature: Transactions made in Month X but posted by the 6th of Month X+1 count towards Month X.

- Maybank World Mastercard: Same logic, but cutoff is the 7th.

- Maybank Visa Infinite: No special treatment—likely based on posting date only.

💳 Cards That Track by Posting Date (Most Others)

- UOB (Lady’s, PPV, Visa Signature)

- Citi (Rewards)

- HSBC (Revolution)

- OCBC (Rewards)

- Standard Chartered (Journey, Smart, Visa Infinite)

⚠️ Common Pitfalls

- Spending on 30th/31st of the month may post in the next month, causing:

- Missed bonus caps

- Failed welcome bonus minimum spend

- Reduced miles earning rate

🛍 Merchants That Often Post Same-Day (Risky but Useful)

Some merchants reportedly post transactions on the same day:

- 7-11

- Cold Storage

- Food Republic

- Genki Sushi

- Starbucks

- Toastbox

  (No guarantees—depends on outlet, bank, and payment network.)

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✅ Bottom Line

- DBS and Maybank give the best shot at “last-minute” spend counting—but timing is still tricky.

- For most other cards, plan to spend at least 2–3 days before month-end to ensure it counts.

- Always verify cutoff policies in card T&Cs to avoid disappointment.