I am new to the Citi PremeierMiles Visa Card, Who can I pay using the Citi PayAll?

In my opinion, this card is one of the best cards in the market especially as there are no expiry date to miles earned and an amazing 2 VIP airport lounge access. I love the fact that the card can be used for major big ticket items and to clock mileage. Redemption can be done easily without hassle and customer service staff are very helpful

In my opinion, this used to be the best miles card around primarily because of the little to no restrictions on the types of transactions eligible for miles. Unfortunately this is no more based on the new card agreement on their site, a whole bunch of transactions are now excluded from earning miles. Excluded transactions include any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts and also bill payments will also be excluded.

The Pros that stand out for me with this card include the fact that the card is good for general spending while miles you accumulate with this card do not expire while there are many miles programs available for conversion. The card offers high miles per dollar for selected merchants with a free lounge pass yearly. Finally I just love that the card also comes with basic travel insurance. On the other hand the cons is that the card is not as fantastic if you are accumulating miles for large ticket items.

This is a good card and getting approval took me 2 days and was generally hassle-free. I like that the points with the card don’t expire and I am quite blown away by the many promotions and discounts for flight, hotel, dining and shopping. I don’t know if my mind will change in a few months down the line but at the moment, I have no complaints using this card.

Too bad that it takes such a long time to convert transactions to miles while some daily transactions like top-up Ezlink card won’t be converted to miles. I am really not crazy about miles but I am willing to hold on to this card for its renewal miles bonus of 10,000 miles - $1 to 50 miles. Best deal I must say and the miles do not expire. In conclusion they have a decent miles earning though not the best.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.

For me nothing beats the 5% year-round cash rebates on dining, groceries, petrol and transport (that is taxis, ride hailing, trains and buses inclusive), locally and overseas when you spend minimum S$600 per month. And the cash rebate is capped at S$150 per month. So if you don’t drive, not to worry as you can enjoy 5% cash rebate for your transportation needs, be it a taxi ride, a booking made via ride hailing apps, or trains/buses.