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

The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.

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.

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.

The AMEX Express Singapore Airlines Solitaire PPS Credit Card gives a First Year Fee Waiver for you to enjoy and also for your supplementary card members. In addition there are no transfer fees and all the KrisFlyer miles you can earn are directly transferred automatically to your KrisFlyer account with no transfer fee. I would recommend this card for these few reasons which could really make the difference.

So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.

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.