What do I stand to gain from participating in the HSBC's Mileage Programme of the HSBC Premier MasterCard Credit Card?

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.

With this card the outstanding highlight will probably be that you can earn one Rewards point for every S$1 charged to your card. In addition, you can also enjoy the exclusive privilege to redeem more rewards with fewer points on selected rewards items. Plus the application process for this card was not stressful as is the case with other cards.

The HSBC Premier MasterCard offers a quick, convenient and fuss-free payment with your contactless-enabled HSBC Premier MasterCard credit card. You can with this feature simply tap and go in front of a secured reader at participating merchants to make payments but be aware that this is subject to applicable limits on the contactless payment amount.

If you ever are tired of worrying about your fare card balance at the gantries just like I used to do then this card is for you too. You can now beat the hustle and bustle of daily commute as you can now tap and go on buses and trains. This without a doubt makes your daily commute smoother and helps to ease and take away those worries behind.

With the Apple Pay feature of the HSBC Premier MasterCard making payments in stores, in apps and on the web with your iPhone, Apple Watch, iPad and Mac is now very easy with just a touch on it, secure and private as well. A unique transaction code is used for each purchase so your card details are never shared with any merchant or saved on your device

OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.

This card offers a few thrills if you are one for accumulating miles as you can earn 1.3 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, you can earn 2 KrisFlyer miles. Furthermore the card allows earnings of 1.3 KrisFlyer miles for every S$1 spent locally in Singapore dollars on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, earnings are 1.4 KrisFlyer miles. Highly recommended for those who seek to accumulate miles.

First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.

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.

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.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.