Rewards Updates : UOB Lady’s Cards: Which bonus categories should you choose?

Source : 

https://milelion.com/2025/08/11/uob-ladys-card-which-bonus-categories-should-you-choose/

ChatGPT : 

UOB Lady’s Cards give 4 mpd on selected bonus categories (Dining, Family, Fashion, Transport, Travel, Entertainment, Beauty/Wellness) but only 1 category for Lady’s Card (S$1K/month cap) or 2 for Lady’s Solitaire (S$750/category cap, S$1.5K total). Categories can be changed quarterly.

Best picks depend on spend patterns and other cards you own. Dining is broad but has MCC gaps; Family is mainly supermarkets; Transport suits high taxi/petrol spend; Travel caps limit big-ticket use; Entertainment/Beauty are niche. Fashion is powerful via HeyMax vouchers (MCC 5311), covering many merchant types indirectly.

Author’s choice: Dining + Fashion, splitting across principal/supplementary cards to manage caps.

Opinion : 

UOB Lady's Card for the win!

Shopee purchases are included too.

Rewards Updates : PSA: HealthHub and Health Buddy now coding as MCC 9399 on some cards

Source : 

https://milelion.com/2025/08/10/psa-healthhub-and-health-buddy-now-coding-as-mcc-9399-on-some-cards/

ChatGPT : 

HealthHub and Health Buddy payments with Citi Rewards Mastercard/Visa are now coding as MCC 9399 (Government Services), making them ineligible for rewards. Previously, they coded as MCC 8099 (Medical Services), allowing up to 4 mpd. DBS Woman’s World Card transactions still code as 8099, with points awarded, and NUHS app remains unaffected for all cards. The MCC change may be issuer-specific, so other cards can still earn 1.2–2 mpd. Users are advised to check MCC before paying, using tools like HeyMax, Instarem, or DBS Digibot.

Opinion : 

MCC code management is such a chore.

We're so high tech in many areas.

We need transparency of this through the apps.

Rewards Updates : Should you downgrade to the UOB Lady’s Card?

Source : 

https://milelion.com/2025/08/04/should-you-downgrade-to-the-uob-ladys-card/

ChatGPT : 

Due to the 1 Aug 2025 nerf to the UOB Lady’s Solitaire—lowering its monthly bonus cap from S$2,000 to S$1,500, and splitting it into S$750 per category—the regular UOB Lady’s Card may now be more attractive.

Key Comparisons:

Feature	Lady’s Card	Lady’s Solitaire
Bonus Categories	1	2
Monthly Bonus Cap	S$1,000	S$750/category (S$1,500 total)
Minimum Income	S$30,000 p.a.	S$120,000 p.a.
Annual Fee	S$196.20	S$414.20

Downgrade If:

- You prefer simplicity and tracking one bonus category

- You’re a single-category spender (e.g., travel)

- You can’t fully utilize both categories each month

Alternatives:

- Metal Solitaire card retains the old S$2,000 flexible cap, but it’s invite-only with a S$589.99 non-waivable fee and high spend requirement.

Logistics:

- No fee refunds on downgrade

- Must re-select bonus category

- Bonus cap changes apply next month

Bottom Line: If you mainly use one bonus category or find tracking two limits tedious, downgrading to the UOB Lady’s Card makes sense.

Opinion : 

Interesting development.

Sticking with trio of UOB cards combo, Lady/Prvi/PPV.

Rewards Updates : Psst: The UOB PRVI Miles Visa is a Visa Infinite once again!

Source : 

https://milelion.com/2025/07/21/psst-the-uob-prvi-miles-visa-is-a-visa-infinite-once-again/

Apple Intelligence : 

Newly issued UOB PRVI Miles Visa cards are now Visa Infinite, offering benefits like Visa Infinite Concierge, GHA DISCOVERY Titanium status, and Avis President’s Club status. While some benefits are limited or available to Visa Signature cardholders, the GHA DISCOVERY Titanium membership is a worthwhile perk. The card has a minimum income requirement of S30,000 and an annual fee of S261.60.

Opinion : 

Wonderful news for a user like me 😄

But I'm unlikely to use any of the additional benefits.

Continuing to use the card to book big ticket airlines for my big family to gain miles.

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/

ChatGPT : 

✈️ 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/

ChatGPT : 

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!