What Credit Card is recommended for one looking for the best deals with air miles?

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

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

I have held this card for quite a long time and one thing I like about the card is the fact that it is used for CapitaLand malls and they are almost everywhere. So I enjoy dining taking advantage of the 10x rewards merchants to accumulate the points faster. Imagine getting close to 6.5% rebates on dining. Not to forget their sign up bonus of $60 rebates in vouchers when you spend $1,500. That's a 4% rebate excluding the points you will earn which will convert into vouchers too.

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

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.

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

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.