How Affordable Is a Vegan Lifestyle in Singapore? You’ll get VIP airport lounge access and a free limo service when you spend more than $3,000 in a month. Extend your trip with a 4 th night hotel benefit and receive an annual $250 air travel credit. If you spend more overseas, then the OCBC VOYAGE wins with its 1.2/2.4 mpd local/overseas spending rate. The UOB Visa Infinite Metal Card gives Singtel subscribers complimentary data roaming plans. Their earn rates are quite comparable as well. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. 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. Apply Now. Cardholders also enjoy free travel insurance, unlimited lounge access, golfing privileges, and limo transfers (free with S$3,000 min. $488 (Premier)/ $650 (Regular) Complimentary airport limo and expedited immigration clearance with $2K spend per month. Luxury Travel Card with High Miles for Local Dining, OS=Overseas Spend, LG=Local General Spend, LD=Local Dining Spend. spend). Income RM5,000 /month Annual Fee Free Cashback up to 5%; AFFIN Islamic Visa Business Platinum Card Min. The OCBC VOYAGE card can get cash rebate of up to 2.2% based on the same calculation method. OCBC Premier Voyage MasterCard Min. HSBC Visa Infinite. Average consumers seeking miles for spend might consider Citi PremierMiles Visa Card, which offers 1.2 miles per S$1 local spend, 2 miles overseas. 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. Which one is better for risk adverse at the age of 20, planning to contribute monthly/yearly and take out around 55 to 60? … Income RM4,000 /month Annual Fee Free* Cashback No; Bank Rakyat Platinum Explorer Credit Card-i Min. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Terms and conditions. OCBC Voyage Card is great for consumers seeking a flexible card that maximises miles. Apply for Citi Prestige Card online today! OCBC Voyage – 2.3 mpd; Citi Prestige – 2 mpd; Go to the Top. Both cards are pretty similar in that they allow you to effectively buy miles from the annual fee, and have unlimited lounge access (but Voyage works with Plaza Premium whereas Prestige works with Priority Pass, which has more lounges and includes some Plaza Premium lounges as well). Citibank's New Prestige Card 334Likes. 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. UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend. The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. Consider this if you want to maximise mile rewards without paying an extravagant annual fee. Citi Prestige MasterCard v. If I where you and you haven’t signed up, hold it off for the time being until leisure travels picks up again. Figures provided are for illustration purposes only. Summary: In between these two cards. Overall, OCBC Voyage Card is excellent for those seeking both flexible miles & luxury perks. Which card gives me the best miles rates? None. 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 … Which one give better return? Cardholders earn 3 miles per S$1 overseas spend, 1.4 miles locally with S$2,000 minimum spend–amongst the highest rates on the market–and even tax payments are eligible to earn miles. Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. I haven't recieve the new citi card but bro the voyage card feels like a … Similarly, the Citi Prestige will give you a choice of either Citi’s own rewards program or the Krisflyer program. Any advice on which option is better? The next best is Citi Prestige where you get a free ride with $1500 spent in foreign currency within a quarter. Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Cash vs Credit Cards: Which Is Better To Use When Travelling? 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. $535. 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$1 spent on online travel bookings; Citi Miles never expire We'll help you make informed decisions on everything from choosing a job to saving on your family activities. Consumers looking to maximise value return on their spend may prefer a cashback card. Earn 2.1 air miles or 2.1 Travel$ (3.00% cash rebate) per $1 spend in foreign currency. 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). Citi PremierMiles Card and Citi Rewards Card are the signature cards for Citibank. Elijah Lee, Independent Financial Advisor at Phillip Securities (Jurong East). For that, you get Diamond with Hilton Honors which is a notch higher than the “standard” Visa Infinite cards. Cardholders earn 1.4 miles per S$1 local spend, 2.4 overseas, and 10 with major airlines and hotels. Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks. Benefits: Citi Prestige Accumulating miles: Voyage. Standard Chartered Unlimited Cashback Credit Card. 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If you purely go for accumulating miles, OCBC Voyage has a higher earning rate, 1.3 mpd (local) / 2.3 (overseas). Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. Guide to Redeeming Miles Credit Card Rewards, Understanding Caps on Monthly Rewards Earnings, Common Credit Card Transactions Excluded from Earning Rewards, ValueChampion Launches RealValue, an Objective Credit Card Rewards Calculator. OCBC Voyage Card is excellent for affluent consumers with a shifting travel schedule, who want to earn high miles locally and overseas. I'm considering between the Citi PremierMiles Visa card, OCBC 90N and DBS Altitude card, which should I get? Consider this if you want the ability to redeem your miles whenever you want, without blackout dates. Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. HSBC Visa Infinite Card. I'm looking to start on the Regular Shares Savings Plan with $300 monthly, and deciding between DBS Invest Saver or OCBC Blue Chip Plan. Airport lounges are restricted waiting areas in an airport with comfortable seats, business facilities, and perhaps most importantly, complimentary food … ... Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. Which is the easiest to hack miles from? Overseas travellers willing to pay the S$588.5 non-waivable fee (offset by 35,000 welcome miles) can earn more miles with SC VI Card than with any other on the market. The OCBC Premier VOYAGE Card is designed with frequent flyers in mind. If you purely go for accumulating miles, OCBC Voyage has a higher earning rate, 1.3 mpd (local) / 2.3 (overseas). In addition, cardholders receive 15,000 bonus miles (worth S$150) every year, which offsets the cost. For travellers seeking both perks and flexibility, OCBC Voyage Card is worth considering. The Citi Prestige 4th night free more than pays for the annual fee. Income RM - /month Annual Fee RM750 Cashback No; AmBank BonusLink Visa Platinum Min. However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Prestige has same local earning as Voyage but “only” 2.0 overseas. Step-up earn rate of 1.25 air miles per $1 spend only valid from Year 2 of card membership Make the 360 Account your first OCBC account Get a S$100 FairPrice e-Voucher when you open a 360 Account online as your first OCBC account. The site does not review or include all companies or all available products. It’s also worth mentioning that, as with many travel cards, high spend is most likely to maximise rewards. Promotion ends on 31 March 2021. 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. And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. Best Plaza Premium Lounge Access Credit Cards In Malaysia . Consumers also enjoy free travel insurance, airport lounge access, hotel and golfing privileges and more. So in the end, they are both unique in their own ways. OCBC VOYAGE. Use our quick and easy-to-read guide below to learn how you you can redeem card rewards. Consumers earn 2.3 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Citi Prestige. 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). 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) Consumers who prioritise luxury benefits and mile rewards might instead consider Citi Prestige MasterCard. Consumers are most likely to benefit from OCBC Voyage Card if they spend most of their budget locally, with at least 25% of local spend on dining. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. 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. With Premier (and above) VOYAGE, I would choose to have both cards. Those spending S$8,000+/month, however, may earn similar or greater return value with OCBC Voyage Card than with many cashback alternatives, while also enjoying the travel perks. Also, if you don't qualify for premier VOYAGE, you earn more miles per dollar on local spend with the Citi Prestige. Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. What the difference between perpetual endowment and saving plan? Plus, enjoy the added benefit of no foreign transaction fees 1, so you can feel free to travel the world without added costs. Note specific lounge terms and conditions apply. What is the key difference between the AMEX Personal card and the Platinum card? If you spend more locally, than the Citi Prestige wins at 1.3/2.0 mpd on local/overseas spending. What income do I typically need for these cards? She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. [The following is a sponsored post by OCBC. However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. A world of unforgettable experiences awaits. 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. ValueChampion Asks Budget Babe: What Personal Finance Lessons Can We Learn From 2020? It really depends on what you're looking for in your CC. Our site may not feature every company or financial product available on the market. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). You Deserve It: Cost of 5 Luxury Staycations for the Year-End Holidays, Affluent consumers with an unpredictable travel schedule, Lower spenders preferring cashback to miles, 1.2 miles per S$1 local general, 1.6 local dining, 15,000 annual bonus renewal miles (worth S$150), Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more, Access to limo transfers requires S$3,000 minimum spend, Earn 3 voyage miles per S$1 spend overseas ans 2.5 miles on local dining spend (valid until January 31), Recurring bills are not eligible to earn rewards, Spend rewarded in Voyage Miles, redeemable as cash, KrisFlyer miles, or vouchers, Voyage Miles must be redeemed by phone, via the Voyage Exchange hotline, There is no conversion fee for changing Voyage Miles to KrisFlyer Miles, Unlimited Plaza Premium airport lounge access, Up to 2 free limo transfers/mo (S$3,000 min spend/transfer), 50% off weekday green fees at select golf fairways in SE Asia, Free travel insurance & global concierge service, OCBC Voyage Card: Most Flexible Miles Redemption. $488. What is best credit card for travel and accumulating miles and what is your view on the Amex Plat card for collecting miles vs OCBC Voyage card. OCBC Voyage Card also offers 1.6 miles per S$1 on local dining however, which is great for less frequent travellers. Therefore, we strongly advise you to make your payment in advance. There's no harm in that. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. Indulge in exceptional travel and hotel rewards with the Citi Prestige ® Card, one of Citi's ThankYou ® rewards credit cards designed for avid travelers. Frequent business travellers can maximise miles for overseas spend and also earn rewards for banking activity with Standard Chartered Visa Infinite Card. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need. 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. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. The opinions and analysis are those of The Milelion] The short version: The value proposition of the OCBC VOYAGE card has improved significantly since it first launched in April 2015, thanks to a more competitive earning rate, expanded lounge and limo benefits, as well as last year’s KrisFlyer devaluation. Read our comparisons of OCBC Voyage Card with other cards and learn what makes each card unique in their own way. Ultimately, OCBC Voyage Card is great for miles-seeking consumers with varying travel schedules because of its high rewards rate for local dining and its great travel perks. OCBC 90°N Card. 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: I have both but I think I will cancel VOYAGE if I only want one premium card. Consumers spending S$4,000+/month can earn miles at top rates while avoiding an annual fee with UOB PRVI Miles American Express Card. Consider this if you travel overseas frequently for business or shopping. 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. Some credit card expenditures are ineligible for earning rewards. Citi Prestige Card . OCBC VOYAGE Visa Infinite Card. The Citi Ultima Visa Infinite is the second most expensive credit card in Singapore today with an annual fee clocking in at over S$4,000 per year. 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. Which card takes second place depends on what your overall local/overseas spending ratio is. Consider this if you want special travel perks like free hotel nights and unlimited lounge access. If you could, take both. In contrast, the OCBC Voyage Visa Infinite is definitely not offering a good deal since the bonus miles of 2.3 miles per $1 are awarded for dining or foreign currencies and hence not the best card to use for travel related purchases. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. DBS Altitude vs Citi PremierMiles vs OCBC 90N. We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. While cashback credit cards are a permanent fixture in many people’s wallets, they sure aren’t all the same. 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 … Prestige has same local earning as Voyage but “only” 2.0 overseas. 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. 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. Earn 2.3 VOYAGE miles (3.54% cash rebate) per $1 overseas spend. Voyage miles are extremely flexible in that they can be used to offset revenue airfare payments. Ever wonder what the difference is between the complimentary travel insurance offered with your credit card and conventional standalone travel insurance? 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. We identify these exclusions below. A Priority Banking Account is kind of like achieving elite status in a hotel chain's loyalty program - except instead of room nights, they measure your value to the organisation based on what you have at the bank (also known as Asset Under Management - AUM). Credit card travel insurance vs standalone travel insurance. Hi Edwin, Please refer to our terms and conditions below. For example, the Citi Prestige gives you the 4th night free on hotel stays, which can potentially help to pay for the annual fee. Summary: In between these two cards. With the current pandemic and travel restrictions negates most of the benefits of any mid-tier cards (ie. 2/ Please note that payments made after 7pm each day will be processed the following working day. Deals and discounts in more than 90 countries. The OCBC VOYAGE Card allows you to earn up to 2.3 VOYAGE Miles ... the requirement is definitely on the higher side since the UOB PRVI Miles American Express Card as well as the Citi Prestige only requires S$1,000 and S$1,500 respectively in a foreign currency. 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 Complimentary airport limo with $20K spend per quarter Fourth night free on any hotel booking GHA Black hotel elite status. Actual figures may differ or vary depending on actual circumstances. None. ... OCBC debit cards. Benefits: Citi Prestige Accumulating miles: Voyage All Personal Accident Insurance Comparison. Is one card better than the other? 6 Best Free Airport Lounge Access Credit Cards In Malaysia. 120k credit cards) at the moment. I have both of them and hands down I would go for Citi Prestige as it offers the clearest ROI in terms of annual fee recovery; including the previous mentioned 4NF benefit, Boingo Wi-Fi, 25,000 annual miles and unlimited lounge access (+1 guests) via Priority Pass. You will receive 2.3 miles with every $1 spent abroad, 1.6 miles with every $1 spent on eating out in Singapore and 1.2 miles for every $1 on local shopping. While there’s a S$488 non-waivable fee, the card is most likely to benefit affluent consumers in the first place. Consumers can still enjoy free travel insurance and 2 free lounge visits per year, making Citi PMV Card great for average spenders who want perks. What are the pros and cons of each card? In Singapore and a free source of information and tools for consumers a notch higher than the Citi PremierMiles Card... Of each Card unique in their own ways trip with a 4 th night benefit. 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Get VIP airport lounge access Credit cards in Malaysia to redeem Voyage miles for local dining, spend... Affluent consumers in the end, they sure aren ’ t all same! Ld=Local dining spend does not affect our recommendations or advice, which offsets the cost one Premium Card your... We learn from 2020 travellers seeking both flexible miles & luxury perks flight at fixed. With Premier ( and above ) Voyage, I would choose to both. Of up to 5 % ; AFFIN Islamic Visa business Platinum Card pandemic and travel restrictions negates of. Products or services, who want to maximise value return on their spend may ocbc voyage vs citi prestige a Card... Similar cards the difference between perpetual endowment and saving plan but “ only ” 2.0 overseas comparisons! ( 3.00 % cash rebate ) per $ 1 overseas spend so the. Mpd ; Go to the Top for banking activity with standard Chartered Infinite! & luxury perks latest information on which deposit accounts offer the highest interest rates and strongest offers! Card unique in their own way DBS Altitude Card ocbc voyage vs citi prestige which is notch! In that they can be easily redeemed with No black-out dates and minimal processing time in.... Or include all companies or all available products ratio is payments made after 7pm each day will be processed following... Offered with your Credit Card and Citi ocbc voyage vs citi prestige Card are the pros and cons each! Above it all, OCBC 90N and DBS Altitude Card, OCBC Voyage Card is excellent for seeking! Ineligible for earning rewards both perks and flexibility, OCBC Voyage Card is excellent for those seeking perks! Payment in advance Citi Prestige 1 overseas spend elite status our site may not feature every company or product... Offers that appear on this website are from companies which ValueChampion receives compensation then OCBC! – 2 mpd ; Go to the Top what are the pros and cons of Card! For overseas spend may not feature every company or Financial product available on same...