Sick of taking budget airlines and want to up your travel game and fly via business class? Welcome to the miles game.

When it comes to earning miles, You have to put in time and energy to learn the miles game. There are many miles hacks to speed up the process of earning more miles, and these miles can be used to redeem your next business class flight out.

Do note that airport taxes and other miscellaneous charges are still payable, even if you fully redeem your air tickets.

From the best miles credit cards to sign-up bonuses, and other useful information that you should know about miles, here is our beginners’ guide to the miles game—our tips and travel hacks on how you can accelerate your miles earnings.

THE BEST CREDIT CARDS FOR MILES

Let’s start with credit cards. The most common question that we get is “which is the best credit card for miles”?

Well, sorry to burst your bubble but one size doesn’t fit all; there is no single best credit card for miles. You need several right credit cards in order to maximise the number of miles you can earn because every card rewards differently.

How to decide which credit card to get? This really depends on your spending. Here are the miles credit cards that every miles chaser should get.

4MPD CREDIT CARDS

There are several credit cards that offer you 4mpd (miles per dollar) for certain transactions. Everyone should definitely have these credit cards.

• DBS Women World Mastercard – 4mpd for online shopping, capped at S$2,000 per calendar month.
• UOB Preferred Platinum Visa Card – 4mpd for contactless payments, capped at S$1,000 per calendar month.
• UOB Visa Signatures – 4mpd for contactless payments, minimum S$1,000 per month & capped at S$2,000 per statement month.
• Citi Rewards Visa – 4mpd for all online shopping, capped at S$1,000 per statement month.
• OCBC Titanium Rewards – 4mpd for online & offline shopping, capped at S$12,000 per membership year.

CREDIT CARD FOR GENERAL SPEND

Unless you can get a credit card that offers you 1.6 mpd—including UOB Reserve Card, DBS Insignia Card, OCBC Premier Voyage Card, Citi Ultima Card—your best bet is probably UOB PRVI Miles Visa card which offers 1.4/2.4mpd for local/overseas spending.

Every cent counts. Charge everything to the right credit cards and you will soon be on your way on a business class flight to your favourite destination.

SIGN-UP BONUSES FROM CREDIT CARDS

Several credit cards in Singapore offer pretty decent sign-up bonus when you apply for the credit cards. Here are some credit cards that you can apply to enjoy sign-up bonuses.

• Citi PremierMiles Visa – 6,400 / 26,500 miles (26,500 miles if you spend a minimum of S$9,000 in the first 3 months, or 6,400 miles if you spend S$3,000 in the same timescale with first-year annual fee waived.)
• Standard Chartered Visa Infinite - 35,000 miles (S$588.50 annual fee)
• HSBC Visa Infinite – 35,000 miles (S$650 annual fee)
• Standard Chartered Visa Infinite X – 30,000 miles (S$695.50 annual fee)
• Citi Prestige MasterCard – 25,000 miles (S$535.00 annual fee)
• OCBC Voyage Visa Infinite – 150,000 miles (S$3,210 annual fee)
• DBS Altitude Visa / Amex – 10,000 miles (free annual fee for the first year)

BOOKMARK MILES WEBSITES AND READ MORE ON HOW YOU CAN EARN AND MAXIMISE YOUR MILES

There are many great miles websites that offer a lot of useful tips and travel hacks on how you can earn and maximise your miles.

Some of the miles websites that we refer to and recommend are Mainly Miles, The Milelion, The Shutterwhale & The Points Guy. They provide really in-depth tips and we have benefited greatly from them.

SOME COMMON QUESTIONS ABOUT MILES

1. Cash-back or miles credit cards?

There’s no right or wrong answer for this. For those of you who don’t like to travel or are happy with whatever class you are flying, you can get credit card(s) for cash-backs if you are looking for rebates. But if you aspire to travel more (be it on economy class or business class), it’s really a no-brainer. You need more miles to make this happen!

The dream to fly on business (or first for some) class may seem very far away. But like all good things in life, you need to work hard for it.

2. Which is the best miles card for dining?

Use a good contactless card such as UOB Preferred Platinum Miles (4mpd, capped at S$1,000 per calendar month) or UOB Visa Signatures (4mpd, min spend of S$1,000 and capped at S$2,000 per statement month) when you pay for your bill at restaurants. Note: this only applies to dining places that accept paywave.

Another good credit card for dining is the UOB Lady’s Card (4mpd, capped at S$1,000 per month). You just have to choose ‘dining’ for the bonus category.

3. I just started my first job. Should I apply for credit card(s)?

If you are the kind who has no discipline and cannot stop yourself from spending money, please do not apply for a credit card. The last thing you want is to get into more debts when you haven’t finished paying your study loan.

For everyone else, please do yourself a favour and apply for credit cards. You are going to spend money on things such as transport, food, buying clothes for your new job etc. Why not accumulate miles while you are at it? Just remember to pay your credit card bills on time (or apply giro for them).

4. How do you remember which credit cards to use for different types of spending?

That is honestly the main challenge. Just try your best to remember or create a simple spreadsheet/note for all the credit cards.

5. Do you recommend redeeming miles for economy class?

If you prefer quantity over quality, by all means, use your miles for economy flights. However, from a dollar value stand point, it’s typically not worth it to accumulate miles to redeem economy flights or to upgrade your flight from economy to business class. If you are really planning to accumulate and maximize the value of your miles, save enough to redeem Business or First Class tickets.

6. Is there any way to earn miles on large payments such as rent, taxes and condo maintenance fee?

YES! This brings us to our next point. You guys need to start using ipaymy!

IPAYMY – THE BEST PLATFORM TO EARN MILES

If you want to really rack in the miles, and collect them fast, here’s our secret.

One of the best things that we did since embarking on our journey on chasing miles—other than applying for the right credit cards—is use ipaymy. Since we started using ipaymy in early 2019, we’ve been sharing it with everyone and haven’t looked back since.

ipaymy allows anyone in Singapore, Hong Kong and Malaysia to use your credit card(s) to pay for virtually anything currently paid by bank transfer or cheque including rent, insurance, taxes, tuition, condo maintenance fee etc locally and abroad to over 30 different countries.

By simply shifting these large expenses you are already paying, to ipaymy and your credit card you can earn those miles much faster than you would on normal spend of dining, shopping, and general expenses.

And if you run your own business, you can sign up for an ipaymy business account to pay operating expenses such as invoices to your suppliers and salaries to your employees. You don’t need us to tell you how much miles you can get from these expenses.

ipaymy business accounts also get access to the ‘BE PAID’ product where businesses can issue and collect invoice payments via credit cards from their customers.

HOW IPAYMY WORKS

It takes minutes to create a free ipaymy account. On the easy-to-use dashboard, select what you want to pay: rent, invoice, tax or salary. From there, let ipaymy know who you need to pay, how much and their bank account details. ipaymy then charges your card that amount plus a small fee and pays your landlord, supplier or employees as fast as the next day. It’s THAT EASY to earn more miles!

Plus, you can set up your rent or other obligations on a recurring basis leaving you with one last thing to think about while you passively earn miles every month.

VALUE OF USING IPAYMY

ipaymy charges a transaction fee starting at 2.25% per payment and occasionally runs promotions for reduced fees. (Tip: follow their Facebook page to be in the know on their latest offers.)

First-time ipaymy users can use our code ‘LIC’ to enjoy a discounted fee of only 1.79% on your first payment made with locally issued Visa or Mastercard.

If you are someone wants to travel better, faster, and for up to 70% less then ipaymy is definitely worth it!

Let’s run through a scenario, a business class ticket to Tokyo on Singapore airlines is 94,000 miles. Assuming you have a credit card such as UOB PRVI Miles Visa card that offers you 1.4mpd and you currently spend S$2,000 a month you will earn 2,800 miles per month ($2,000 x 1.4 mpd). At this rate, it will take you 34 months, or just under three years, to earn enough points for a business class ticket. That is a long time to wait and you also run the risk of airmiles devaluing over time.

Now add ipaymy to the scenario. By also paying you monthly rent of S$3,500 for example, you will now be earning 7,700 miles per month allowing you to accumulate enough miles for a Business Class ticket to Tokyo in just 1 year! Adding other expenses, such as taxes, will only accelerate this. Accelerate your miles balance even further by using a newly issued credit card on ipaymy to quickly reach the sign-up bonus.

To give you a dollar perspective, a business class ticket on Singapore Airlines to Tokyo typically cost around S$3,000. The cost of paying your rent for a year on ipaymy is S$928.60 with the LIC 1.79% promo code on your first payment. This is roughly a 70% savings from the market price of a business class ticket! If you are planning a trip to Tokyo, you might as well do it in style!

Ready to get started with ipaymy? You can find a list of the cards that currently earn miles on ipaymy and they are all backed by ipaymy’s ‘Points Guarantee.’

New users of ipaymy can use our code ‘LIC’ upon signing up for an account to make any transaction on ipaymy for a fee of 1.79% on a one-time payment made with locally issued Visa or Mastercard.

You get the idea now? Good, start using ipaymy.

All the best for your miles game!

This post was brought to you by ipaymy.

Family vacations are important because you get to enjoy  time together and forge precious memories. For those who are unable to travel abroad, having a family staycation is a great and easy way for parents to recharge, relax and spend quality time with the kids.

And if you are having trouble finding the perfect staycation, here are 8 Family-Friendly Staycation Venues In Singapore With The Best Offers.

These hotels are offering packages tailored for families with children and as an HSBC Credit Cardholder, you get to enjoy extra perks such as complimentary breakfast for up to 2 adults and 2 children (up to 15 years old), an extra bed (very useful if you have an older child), complimentary room upgrades and more.

#1 SHERATON TOWERS SINGAPORE

All you busy parents out there who are only free during the weekends can take advantage of the HSBC Weekend Family Staycation Package at S$220++ per night for the Deluxe room when you book with your HSBC credit card.

This package covers an International Buffet Breakfast at The Dining Room for two adults and your child (below 12 years old), complimentary high-speed wifi access and free parking. The best part? Sheraton Towers Singapore will also give you a free room upgrade from Deluxe Room to the Business Deluxe Room, subject to availability!

Starwood Preferred Guest members listen up! You get 15% off food and beverage at The Dining Room and Lobby Bar when you make payment with your HSBC credit card.

Note: HSBC Weekend Family Staycation Package is available only on Fridays, Saturdays and Sundays. 

39 Scotts Road
Singapore 228230
Tel: +65 6839 5755
Nearest Station: Newton

#2 SWISSOTEL MERCHANT COURT

The Family Fun Escape package at Swissôtel Merchant Court is a dream come true for the young ones. Imagine staying in children themed rooms fully furnished with kid-friendly beddings and amenities!

At a special rate of S$569++ with your HSBC credit card, your family gets access to two rooms (1 King + 1 Twin), a complimentary extra bed and a guaranteed late check-out time at 3pm for you to snooze a little more.

And the fun does not end here—you will also receive complimentary tickets (2 adults, 2 children) to spend the day at Universal Studios Singapore. To top it all off, the kids get to enjoy an additional complimentary ice cream treat daily.

20 Merchant Road
Singapore 058281
Tel: +65 6337 9993
Nearest Station: Clarke Quay

#3 CONRAD CENTENNIAL SINGAPORE

If you are looking for a hotel in a convenient location and a package that includes everything you would possibly need for a comfortable family staycation, Conrad Centennial Singapore’s Fun Family Staycation package is the right choice for you!

With this package, you will receive a complimentary extra bed so you and your family can rest in comfort. Complimentary wifi and basement parking for one car is also included, as well as two sets of Conrad Singapore collectible bears and duckies. The little ones get to eat for free at Oscar’s and will also be spoiled with in-room kids’ slippers and bathrobes. How adorable is that!

For S$290++ per night in a Deluxe Room with your HSBC credit card, the night’s stay includes breakfast for 2 adults and 2 children (below 12 years old) at Salon by the Pool.

Note: Fun Family Staycation Package is available only on Fridays, Saturdays and Sundays. Please contact sinci.res@conradhotels.com or call 6432 7192 for reservations. Kids below 12 years old eat for free at Oscar’s with every paying adult.

2 Temasek Blvd
Singapore 038982
Tel: +65 6334 8888
Nearest Station: Promenade

#4 MANDARIN ORIENTAL, SINGAPORE

Overlooking the picturesque Marina Bay and mesmerising city skyline, a 2D1N Family Staycation at Mandarin Oriental, Singapore will give your family the short escape they need. Book with your HSBC credit card to receive a complimentary upgrade from the Ocean View Room to the Marina Bay View Room, subject to availability.

Adults can lounge by the pool area which is surrounded by greenery, or take a dip in the beautiful pool reflecting Italian glass mosaic designs. Your little ones can frolic in the children’s pool that comes accompanied with bubble jet water features.

After a relaxing night, wake up to a complimentary scrumptious buffet breakfast at Melt Café with your other half and two children (up to 15 years old). You will also receive complimentary parking for one car and can relish in the convenience of the hotel’s strategic location to world class attractions and shopping venues.

5 Raffles Ave
Marina Square
Singapore 039797
Tel: +65 6885 3030
Website: http://www.mandarinoriental.com/singapore/
Email: mosin-reservations@mohg.com
Nearest Station: Promenade

#5 THE FULLERTON HOTEL SINGAPORE

Fun Family Staycation packages start from S$348++ per night at The Fullerton Hotel Singapore with HSBC credit cards. Besides an extra bed (worth up to S$115++, subject to availability) and free breakfast for 2 adults and 2 children (worth up to S$135++), there will be free Wi-Fi services and complimentary use of the Handy phone— a portable smartphone device which allows you to surf the net as you roam.

Guests are also encouraged to sign up for Heritage Tours, where you can choose from the Fullerton Monument Tour or the Maritime Journey Tour. Discover more about Singapore’s rich history with Fullerton’s resident guide who will take you back in time.

1 Fullerton Square
Singapore 049178
Tel: +65 6533 8388
Nearest Station: Raffles

#6 JW MARRIOTT HOTEL SINGAPORE SOUTH BEACH

Have you visited this newly opened hotel – the very first JW Marriott Hotel in Singapore? On top of 20% savings on Best Available Rate when you book two Philippe Starck-designed Deluxe Rooms with your HSBC credit card, be assured that you will be given connecting rooms (1 King + 1 Twin), which is ideal for families.

Start your day right with a hearty buffet breakfast for two adults and two children (per room)  plus enjoy complimentary all-day parking –  the staycation is thoughtfully planned for you.

30 Beach Road
Singapore 189763
(Access via Nicoll Highway)
Tel: +65 6818 1888
Nearest Station: Esplanade

#7 MANDARIN ORCHARD SINGAPORE

Enjoy 10% off Best Available Rates when you book the Family Staycation Deluxe Room with your HSBC credit card. In addition, enjoy a complimentary buffet breakfast with your spouse and two kids (up to 12 years), surf to your heart’s content on their wireless network and enjoy free parking at the hotel.

As the hotel is located right in the heart of Singapore’s busiest shopping districts, take this chance to go on a family shopping spree too!

333 Orchard Road
Singapore 238867
Tel: +65 6737 2200
Nearest Station: Somerset

#8 SHANGRI-LA HOTEL, SINGAPORE

For the ultimate experience, enjoy your family staycation at Shangri-la Hotel, Singapore. The HSBC Family Staycation Package is priced at S$500++ per night for a Deluxe Room in the Valley Wing (U.P. S$565++) and offers you and your dear ones an experience to remember.

Sip on complimentary champagne and cocktails throughout the day at the Valley Wing’s Champagne Bar, and enjoy 20% savings on all dining establishments in the prestigious hotel. Of course, you’ll get to surf on unlimited wifi too.

Your morning starts with complimentary breakfast for two in the Summit Room or at The Line. Since the check-out timing has been extended to 2pm, you can choose to go for a relaxing spa session or take a dip in the pool first. What a life!

22 Orange Grove Road
Singapore 258350
Tel: +65 6737 3644
Nearest Station: Orchard

The above staycation offers are valid exclusively for HSBC credit cardholders. Quote ‘HSBC Family staycation’ when you book from 20 Feb to 31 March 2017 with a HSBC Credit Card. Guests can enjoy HSBC Staycation Offers and stay from 20 Feb to 30 June 2017 with more details here.

What’s more, redeem exclusive rewards including a 2D1N getaway, luggage or cash rebate when you charge your staycation bookings or other travel purchases to your HSBC credit card. Click here for more information.

Terms and conditions apply for all promotions herein.

This post is brought to you in partnership with HSBC Credit Cards. 

It is a Singaporean’s culture to dine out, because there are way too many awesome options to choose from. But if only we could have a rebates card that could reward us on all our dining expenditure. Well, good news for everyone who relates to the aforementioned situation, because there IS a card that rewards you every time you eat out in Singapore!

The OCBC 365 Credit Card is the Card for all the foodies out there, as it gives you cashback all year round at any dining establishment. And because it is applicable to cafes, restaurants, fast food outlets and even caterers, it basically means feasting time all year round!

With the OCBC 365 Credit Card, you can enjoy 3% dining cashback on weekdays and 6% dining cashback on weekends. And when you travel overseas, you can also enjoy 3% cashback on your overseas dining too! What’s more, the card also gives 3% cashback on groceries, online spending and more.

But first, let us share with you how much we’ve saved from using the card for our daily meals. Last week, we went on a C-A-S-H-B-A-C-K cafe marathon, and covered eight cafes with names that with the respective alphabets. It was such fun feasting while saving, and here are the eight cafes in Singapore that we love:

C / CRAFTSMEN SPECIALITY COFFEE

One of the newest cafes to open in the East, Craftsmen Speciality Coffee at Siglap V has already garnered a strong following among locals and expats who are staying in the neighbourhood. The food menu is simple and it consists of mainly all day breakfast and brunch items like Croissant Sandwiches (S$15), Toast (S$5 – S$15), Pies (S$9.50 – S$12.50), as well as sweet and savoury Waffles (S$15).

OCBC 365 Credit Card gives you 6% cashback when you dine out in Singapore on weekends.

Total bill at Craftsmens Speciality Coffee: S$45
Cashback earned with OCBC 365 Credit Card: S$2.70

2 First Street
Siglap #01-01
Mon to Thu: 8.30am – 8pm
Fri & Sat: 8.30am – 9.30pm
Sun: 8.30am – 8pm
Nearest Station: Kembangan

A / AFTERGLOW BY ANGLOW

Fancy a guilt-free meal in a chic environment? Then Afterglow is for you! We love its 90′s ambience with dim lights and ditzy tiled floor, but more than that, we actually feel good going all healthy with its eat-clean menu. Nothing is sinful here, nothing is lauded with zero calories and unnecessary fats. The menu is carefully put together by a team of enthusiastic health nuts, and no, healthy eating does not equate salads. Be surprised by the selection of sushis, pastas and sandwiches here at Afterglow!

Total bill at Afterglow By Afterglow: S$96
6% cashback earned for weekend dining with OCBC 365 Credit Card: S$5.76

24 Keong Saik Road
Tel: +65 6224 8921
Mon to Sat: 11.30am – 11pm
Nearest Station: Outram

S / SUNDAY MARKET

Located at Lim Tua Tow Road, Sunday Market serves a small but concise menu including toasts, pastas, duck dishes, salad and waffles — most dishes are reasonably-priced below S$15. We will come back again for the Crispy Duck Leg Confit (S$17.90) and the excellent Sirloin Rendang Toast (S$15.90).

Total bill at Sunday Market: S$82.60
6% cashback earned for weekend dining with OCBC 365 Credit Card: S$4.95

22 Lim Tua Tow Road
Mon to Fri: 1am – 10pm
Sat & Sun: 11am – 11pm
Nearest Station: Serangoon

H / HOOPLA COFFEE & KITCHEN

The moment we stepped in to Hoopla Coffee & Kitchen, we knew we would fall in love with the cafe. It ticked all the right boxes: well-cooked comfort food at affordable prices (everything on the menu is priced below S$17); a welcoming and friendly environment where you can hang around with your friends; good coffee and homemade cakes; and for those who drive, inexpensive and convenient parking at Infinite Studios.

Total bill at Hoopla Coffee & Kitchen: S$47.50
6% cashback earned for weekend dining with OCBC 365 Credit Card: S$2.85

#01-05, Infinite Studios, 21 Media Circle
Tel: +65 6778 0051
Tue to Sun: 9am – 6pm
Nearest Station: One-North

B / BRUNETTI

This well-loved pasticceria and coffee bar from Melbourne has a stunning array of desserts, pastries and gelato that will make your heart skip a beat. Beyond the sweets, Brunetti also dishes out decent main courses, sandwiches and pastas. If you are in the Tanglin area, Brunetti is a good choice to escape from crazy crowd in town.

Total bill at Brunetti: S$60.50
6% cashback earned for weekend dining with OCBC 365 Credit Card: S$3.63

163 Tanglin Road
Tanglin Mall
Tel: +65 6736 4922
Daily: 10am – 10pm
Nearest Station: Orchard

A / ARTISTRY

A stone’s throw from Haji Lane is Artistry, an artsy Indie cafe that we really love. The laidback vibe and creative menu make a winning combination for this cafe. Predominantly monochromatic, Artistry boasts an inviting decor for brunch and a cuppa. The range of unconventional burgers – think Nasi Lemak Burger (S$15) and Crab Burger (S$20) – and a hearty selection of pastas (S$14 – S$16) are note-worthy, and we really love the little arty corner for the creative souls to indulge in and to find themselves.

Total bill at Artistry: S$31
6% cashback earned for weekend dining with OCBC 365 Credit Card: $1.86

17 Jalan Pinang
Tel: +65 6298 2420
Tue to Sat: 10am – 11.45pm
Sun: 10am – 7pm
Nearest Station: Bugis

C / CAFE MELBA

We always love a good “glasshouse cafe” with high ceilings and ample sunlight streaming in. Cafe Melba is one of those rare ones like that in Singapore, with both indoor and outdoor seating, a family-friendly environment, and honest food for the tummy. We popped by on a weekend for brunch, and fell in love with the truffle fries and Homemade Brioche French Toast. The Eggs Florentine and pancakes were decent, too.

Total bill at Café Melba: S$69.50
6% cashback earned for weekend dining with OCBC 365 Credit Card: $4.17

90 Goodman Road
#01-56 Goodman Arts Centre Block N
Tel: +65 6440 6068
Mon to Fri: 10am – 10pm
Sat & Sun: 8am – 10pm
Nearest Station: Mountbatten / Dakota

K / KITH CAFE

Kith Cafe at Park Mall has long been our go-to cafe in town due to its accessible location, but ever since we discovered its branch at the tranquil Quayside Isle, we have been going there more regularly instead. From Blackstone Eggs Benedict (S$18) to Big Breakfast, to Vongole (S$20.80) and Truffle Fries (S$9.50), breakfast at Kith Cafe is always a good idea.

Total bill at Kith Café: S$85
6% cashback earned for weekend dining with OCBC 365 Credit Card: S$5.10

31 Ocean Way #01-08, Quayside isle
Tel: +65 6734 9007
Daily (except Tue): 8am – 10pm
Nearest Station: Harbourfront

For this C-A-S-H-B-A-C-K Cafe Marathon, the total OCBC 365 Credit Card total cashback earned was S$31.02.

The savings that you get from OCBC 365 Credit Card can add up to a significant amount. You can earn up to S$80 cashback each month, which sums up to S$960 every year which equates to getting free air tickets for a holiday All you have to do is to spend a minimum of S$600 on the Card in a calendar month, to enjoy cashback of 6% on weekend dining, 3% on weekday dining and overseas dining.

What’s more the card also gives you 3% on online shopping, groceries and up to 18.3% fuel savings at Esso service stations.c It is as simple as that!

Go to ocbc.com/personal-banking/cards/365card to find out more about OCBC 365 Credit Card, the additional card privileges, as well as the terms and conditions.

This post is brought to you by OCBC 365 Credit Card.

With so many credit cards in the market to choose from, it can be quite a headache to decide on which one to apply for. What we really appreciate is one all-rounder card that complements our lifestyle and rewards us for our daily expenditure, one that resides permanently in our wallet so that we can turn to it for any scenario – travel, dining, shopping.

The Citibank Clear Platinum Card gives you 5X Rewards (5 Rewards Points or 2 miles for every S$1 spend) on dining, overseas spend, and online shopping. While some cards reward you when you only charge for travel, dining or shopping, this card rewards you with all three!

Gone are the days when we’d stand at the cashier, ready to pay for something, only to hold up the queue by spending minutes recalling which credit card offers the best rewards for whatever we are buying.

Here are the Top 4 reasons why you must get the Citibank Clear Platinum Card.

1. EARN REWARDS POINTS WHEN YOU DINE OUT LOCALLY AND OVERSEAS

There are many reasons to get the Citibank Clear Platinum Card, but if we could only choose one, it would obviously be this – you get to earn Reward Points for eating out. How awesome is this? To live in a country where eating is the national hobby, earning 5 Rewards Points or 2 miles for every S$1 spend when dining out at restaurants, cafes and bars, both locally and overseas is really a bonus.

If you have the habit of charging dining bills to your credit card, why not charge to the Clear Platinum Card and stack up your Rewards Points at the same time? Here’s how: maybe you spend S$100 a week on meals and drinks, which translates into S$5,200 in a year, you’ll earn a whopping 26,000 Rewards Points just from eating out! You could redeem these points for 10,400 miles, S$80 worth of shopping vouchers, or cash rebate.

Delicious food and sweet savings? Sounds like a win-win to us! So, don’t forget to use your Clear Platinum Card on your next visit to Din Tai Fung, Sushi Tei, Starbucks and many more – home and away, for even more rewards.

2. EARN EVEN MORE REWARD POINTS WHEN YOU SPEND DURING YOUR HOLIDAYS OVERSEAS

Worried about how much cash to carry or which credit card to bring along on your next overseas trip? Fret not! For folks who travel frequently like us, using the Clear Platinum Card is an effortless way to chalk up Rewards Points while traveling with ease. With 5 Rewards Points or 2 miles for every S$1 spend in a foreign currency, this is the only card we need.

What’s more, enjoy greater savings with exclusive travel deals from Expedia, Emirates, Agoda and more. Remember to charge your airfare to the Clear Platinum Card, and activate your complimentary travel insurance before you travel. Looking forward to your next weekend getaway or year-end holiday already?

3. RETAIL THERAPY IS THE BEST THERAPY, AND YOU WILL BECOME EVEN HAPPIER WHEN YOU USE THE CLEAR PLATINUM CARD FOR ONLINE SHOPPING

Been eyeing that IT bag from Reebonz or that pair of diamond ear rings from Blue Nile? Shop with the Clear Platinum Card and earn 5 Rewards Points or 2 miles on all your online purchases. On top of this, get up to 40% off at your favourite online stores like Luxola, Zalora and UNIQLO and more!

4. WHAT’S GREAT ABOUT THE REWARDS POINTS

So now you’ve earned and accumulated all these Rewards Points, what’s next? Transfer your Rewards Points to your preferred Airlines’ Frequent Flyer Programs like KrisFlyer, Asia Miles, Sky Miles or Hotel Membership Programs. If you’re not a miles junkie, you can use your Rewards Points to offset your next purchase, redeem for vouchers, or get cash rebate. With all these redemption options, there is definitely something for everyone. Remember, there is no limit to the number of points you can earn, and your Rewards Points are valid for 5 years. ‘Nuff said.

For more details and to apply for the Citibank Clear Platinum Card, visit http://bit.ly/1t0Xaw1 or SMS Clearplat to 72484.

This is an advertorial for Citibank Clear Platinum Card.

Terms and conditions apply, visit www.citibank.com.sg/clearplatinum for more details. By responding to this advertisement and providing your personal data, you consent to Citibank contacting you to market Citibank Clear Platinum Card including via the telephone. Citibank full disclaimers, terms and conditions apply to individual products and banking services. ©2014 Citibank. Citi, Citibank and Citi and Arc Design are registered service marks of Citigroup Inc. Citibank Singapore Limited Co. Reg. No. 200309485K