My battle plan for the Project Singapore Airlines Suites is moving along pretty smoothly. Seems like I’m not the only one that’s playing this little game! Please feel free to share tips and good deals if you come across any.

I think that this would be a fun little project, especially with year end approaching and that’s typically when my expenditure goes up a fair bit. Great for clocking those spending requirements to earn those bonus miles.

Warning : The air miles game is not for you if you have problems paying your credit card bills in full every month. Close your browser tab and don’t search for air miles hacks, ever. If the problem is not financial but you’re simply too forgetful, simply hook up GIRO payments for your cards.

So, a little update on what’s happening so far. I need 85,000 KrisFlyer miles in total, and I currently have about 12,000 Citi Miles already in my account. I’m projected to earn another 14,500 in bonus miles which brings the total to 26,500 miles. That’s a little over 30% of what I need.




Eligibility : By 15th November 2016
Projected Bonus Miles : 9,500 minimum (excluding earned miles)

I applied for the Amex Singapore Airlines KrisFlyer and have started to clock some spendings. Not many merchants take Amex so I’m guessing it will take a while. No worries though, as I’ll have 6 months to do it.


DBS Altitude Visa


Eligibility : By 31 December 2016
Projected Bonus Miles : 5,000 minimum (excluding earned miles)

DBS Altitude Visa has a running promotion whereby you can get up to 8,000 (new cardmembers ) or 5,000 (existing cardmembers) bonus miles when you charge a min. of S$1,000 per month to your new Card for the first 2 months from your card approval date. This is a pretty easy requirement for me because I already planned expenditure coming up in this 1-2 months.

  • S$1 = 3 miles on all online flight & hotel transactions
  • S$1 = 2 miles for overseas spend (Online shopping in foreign currency counts too)
  • S$1 = 1.2 miles for local spend
  • Miles never expire


Getting Past Min. Income Requirement

If you are worried about the income requirements for some of the credit cards (there are a few good ones that require $50K or $80K annual income), don’t fret. There are a few known tricks.

For example, I applied for and received my Citi PremierMiles a year or two after graduation. I don’t remember whether it was a $50K or $80K card but there was no chance of me getting it. Or so I thought. But well, it was a road show and it seemed like they didn’t really care about the income requirements after all. I should also mention that the card has a dedicated hotline so you actually wait less when you call them.

Specifically for DBS, they have an online application option for credit cards after logging in to iBanking. If you have an existing credit card with them e.g. POSB Everyday Card, you can go ahead and apply for any of their credit cards. Usually, if the cards aren’t the ultra-prestigious type, they will actually approve the card for you despite not meeting the income requirement.

So yeah, both tricks tried and tested by myself.


Annual Fee – Times When I Don’t Request For Waiver

Open secret – with the exception of Amex card most banks are pretty OK with waiver of the annual fee. I’ve never seldom paid for the annual fees for my credit cards.

Yes, I said seldom. Most times, you would think it is stupid to pay since you can easily waive it. Banks even have automated call-in options to request a waiver.

But you see, there are situations whereby I would want to pay the annual fee! That would be when banks give you bonus air miles upon payment of annual fees. Don’t assume that all air miles credit cards work in this manner. There are air miles credit cards that don’t offer bonus miles upon payment of annual fees.

Before I go any further, remember what I said previously on an important metric called the redemption value? For redemption of a Suites Class ticket, the redemption value is 8.75 cents per mile.

Let’s check out Citi PremierMiles Visa annual fee of $192.60 for 10,000 bonus miles. The redemption value is therefore 1.926 cents per mile.

I’ll let that sink in for a while. I’m paying 1.926 cents for one mile that is worth 8.75 cents to me. Sounds like a good deal to me! I have three cards that offer me bonus miles upon annual renewal, and I choose whether to pay for the miles depending on whether I need them. Ideally, I would be earning most of my miles via intended expenditure but there are times when I would want to accelerate the process.

In this instance, it would be equivalent to paying $577.80 for 30,000 miles that is worth $2625. In case you’re wondering, purchasing KrisFlyer miles directly from SIA if you’re short of miles would cost you dearly at USD$40 per 1,000 miles or about 5.558 cents per mile at today’s exchange rate.

Ping me if you’re into travel hacking or hoarding air miles. Bon voyage!

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