Hi Edwin, Please refer to our terms and conditions below. For travellers seeking both perks and flexibility, OCBC Voyage Card is worth considering. What the difference between perpetual endowment and saving plan? Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. Apply for Citi Prestige Card online today! 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HSBC Visa Infinite Card. Affluent travellers seeking luxury perks might consider Citi Prestige MasterCard, which offers 1.3 miles per S$1 local spend, 2 miles overseas–higher than those offered by OCBC Voyage Card. A world of unforgettable experiences awaits. POSB Everyday vs Citi Cash Back vs OCBC 365: Find out which credit card fares the best in helping you milk every dollar as you spend on essentials. There is a S$535 fee, but cardholders receive 25,000 annual renewal miles (worth S$250) which actually offsets the cost to lower than OCBC Voyage Card’s. HSBC Visa Infinite. If you purely go for accumulating miles, OCBC Voyage has a higher earning rate, 1.3 mpd (local) / 2.3 (overseas). Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. Our partners cannot pay us to guarantee favorable reviews of their products or services. Benefits: Citi Prestige Accumulating miles: Voyage Any advice on which option is better? Citi PremierMiles Card Get 18,000 Citi Miles * Earn 2 Citi Miles with every S$1 spent overseas; S$1 = 1.2 Citi Miles on local spend (no minimum spend) Earn up to 10 Citi Miles per S$1 spent on online travel bookings; Citi Miles never expire Cardholders earn 2.3 miles per S$1 spend overseas and 1.2 miles locally–plus a boosted rate of 1.6 miles for local dining. None. Consumers who prioritise luxury benefits and mile rewards might instead consider Citi Prestige MasterCard. Complimentary airport limo with $20K spend per quarter Fourth night free on any hotel booking GHA Black hotel elite status. If your travel schedule is somewhat unpredictable, OCBC Voyage Card offers the flexibility you need with easy mile redemption and high rates both overseas and at home. Citi Prestige. ... Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. Deals and discounts in more than 90 countries. And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. Credit card : Key benefits: DBS Altitude: $1 = 3 miles on online flight & hotel transactions (capped at $5,000 per month) $1 = 2 miles on overseas spend (in foreign currency) $1 = 1.2 miles on local spend Earn up to 10 miles per $1 spent on Agoda, Expedia, and Kaligo: It’s also worth mentioning that, as with many travel cards, high spend is most likely to maximise rewards. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. The current sign-up bonus for the OCBC Voyage Visa card is one of the following options: 15,000 miles for a $488 annual fee (3.25 cents/mile); 150,000 miles for a $3,210 annual fee (2.14 cents/mile); For the 150,000 miles sign-up option, the entire bonus must be converted to KrisFlyer miles (you cannot hold them as Voyage Miles, see below).. Fun fact: The OCBC Voyage card previously … Consumers also enjoy free travel insurance, airport lounge access, hotel and golfing privileges and more. Consider this if you want special travel perks like free hotel nights and unlimited lounge access. We'll help you make informed decisions on everything from choosing a job to saving on your family activities. Dollar value-to-consumer based on 1 mile=S$0.01, All Card fees and charges; card annual fees, membership fees, renewal fees; balance transfer; charges incurred for any balance transfer facility; cash-on-Instalment facility; charges incurred for any cash-on-Instalment facility; Instalment Payment Plan; extended payment plan; income tax payment; interest; late payment charges; goods and services taxes; cash advances, Recurring payments for utilities and telecommunication services; payment of funds to prepaid accounts and merchants who are categorised as "payment service providers" which includes and not limited to EZ-Link, NETS FlashPay, eNETS, SAM, Transit Link and AXS (OCBC Bank has the absolute discretion to determine which provider is considered a “payment service provider”), Cleaning, maintenance and janitorial services; real estate agents and managers (rental); financial transactions (that includes financial services such as money transfer, money order, traveller cheques and securities brokerage payments); charges, fees and other costs payable to any non-profit organisations which includes charitable, religious and political organisations; charges, fees and other costs payable to any government Institutions and services (which includes educational institutions, courts including without limitation court fees and costs, fines, bail and bond payments, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here); any payments to Great Eastern General Insurance and NTUC Income in relation to any insurance policies, {"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis. Which card gives me the best miles rates? What income do I typically need for these cards? However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. Read our comparisons of OCBC Voyage Card with other cards and learn what makes each card unique in their own way. The OCBC VOYAGE card can get cash rebate of up to 2.2% based on the same calculation method. For example, the Citi Prestige gives you the 4th night free on hotel stays, which can potentially help to pay for the annual fee. The former one is a good choice for collecting Asia Miles with the earning ratio of HK$8=1 mile with no mileage conversion fee while the latter one offers many travel perks including up … Income RM4,000 /month Annual Fee Free* Cashback No; Bank Rakyat Platinum Explorer Credit Card-i Min. Apply Now. The site does not review or include all companies or all available products. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. spend). Ever wonder what the difference is between the complimentary travel insurance offered with your credit card and conventional standalone travel insurance? OCBC Premier Voyage MasterCard Min. The OCBC Premier VOYAGE Card is designed with frequent flyers in mind. 120k credit cards) at the moment. ValueChampion Asks Budget Babe: What Personal Finance Lessons Can We Learn From 2020? Benefits: Citi Prestige Accumulating miles: Voyage. Cash vs Credit Cards: Which Is Better To Use When Travelling? UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend. While perks are limited to travel insurance and airport transfers, consumers who spend S$50,000/year are exempt from the S$256.8 fee and earn 20,000 bonus miles. Indulge in exceptional travel and hotel rewards with the Citi Prestige ® Card, one of Citi's ThankYou ® rewards credit cards designed for avid travelers. OCBC 90°N Card. … Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks. Frequent travellers might prefer Standard Chartered Visa Infinite Card, which offers 3 miles per S$1 spend overseas, and consumers with lower spend on dining could earn more miles with Citi Prestige MasterCard (1.3 miles per S$1 local spend). 1/ From the date on which you made payment, please allow at least 4 business days for the payment to arrive at both PolicyPal and the insurers’ end. Affluent travellers seeking luxury perks might consider Citi Prestige MasterCard, which offers 1.3 miles per S$1 local spend, 2 miles overseas–higher than those offered by OCBC Voyage Card. None. If you could, take both. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. Best Credit Cards in Singapore 2021: RealValue Credit Card Rewards Calculator, Affordable Gifts for the Gen Z in Your Life, How To Maximise the Value of Your SingapoRediscover Voucher. Terms and conditions. Note specific lounge terms and conditions apply. While these rates are lower than those offered by OCBC Voyage Card, Citi PMV Card’s fee is just S$196.2 and comes with 10,000 annual renewal miles (worth S$100), which makes the card more affordable. Consider this if you want the ability to redeem your miles whenever you want, without blackout dates. Their earn rates are quite comparable as well. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. ... OCBC debit cards. Which one is better for risk adverse at the age of 20, planning to contribute monthly/yearly and take out around 55 to 60? Is one card better than the other? Earn 2.1 air miles or 2.1 Travel$ (3.00% cash rebate) per $1 spend in foreign currency. Plus, enjoy the added benefit of no foreign transaction fees 1, so you can feel free to travel the world without added costs. While there’s a S$488 non-waivable fee, the card is most likely to benefit affluent consumers in the first place. Prestige has same local earning as Voyage but “only” 2.0 overseas. Standard Chartered Unlimited Cashback Credit Card. Income RM5,000 /month Annual Fee Free Cashback up to 5%; AFFIN Islamic Visa Business Platinum Card Min. Given that 1 mile has an approximate S$0.01 value-to-consumer, OCBC Voyage Card’s rates are roughly equivalent to 2.3% rebate overseas, 1.6% on local dining, and 1.2% on general local spend. However, it has a high non-waivable annual fee of S$488 that is only partially offset by 15,000 bonus welcome miles (worth S$150). 6 Best Free Airport Lounge Access Credit Cards In Malaysia. Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. Online Shopping (Clothes, Shoes, Bags) HSBC Revolution – 2 mpd; OCBC Titanium Rewards – 4 mpd (Capped at S$1,000 per statement period) Citi Rewards – 4 mpd; UOB Preferred Platinum Visa – 4 mpd (Capped at S$1,000 per calendar month) Citi Prestige: $535: Unlimited + 1 guest: HSBC Visa Infinite: $488 (Premier)/ $650 (Regular) Unlimited (supplementary cardholder gets same benefit) OCBC VOYAGE: $488: Unlimited: Maybank Visa Infinite: $600: Unlimited: SCB Visa infinite: $588.50: 6 visits: UOB Visa Infinite Metal Card: $642: 4 visits: SCB X Card: $695.50: 2 visits All Personal Accident Insurance Comparison. 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