And here we are, at the fourth quarter and last miles report for 2020. The 2nd and 3rd quarter reports can be found at this page.
Travel was a non-event for 2020 due to the situation we’re in, but I’m quietly hopeful for some travel at least in 2022 (hopefully earlier) and vaccinations kick-start in 2021.
As usual, the first thing to address is – how many miles have I added to my stash in the last quarter?
265,574 miles available as of December 2020
Representing an increase of 13,921 versus my last miles report, this is gradual and constant progress despite having nowhere to use my miles this year.
|Citi Miles||86,876||86,876||1 : 1|
|Citi Points||27,256||68,142||2 : 5|
|DBS Points||29,350||14,675||2 : 1|
|UOB||108||59||2 : 1|
|HSBC||N/A||N/A||2 : 5|
Remember back in 2016 when I started my official status as a miles collector?
In November that year, I had a paltry 11,285 miles to my name and a dream to fly in First Class.
The First Class dream was supposed to materialize this year but we all know what happened to air travel.
I’m contented to count my blessings – my wife and I have flown numerous times on Business Class since our humble beginnings. Our last trip was exactly one year ago when we flew to Bangkok for the countdown celebrations.
Happy 50th month of miles collecting
In a blink of an eye – well, almost – we are now at our 50th month of miles collecting. Woohoo!
If you have been following my blog, you know how it is. Once I’ve said I’m going to do something, I’d get it done!
Something that sounds so simple – simply track and update the number of miles I have – and yet, in practice it is exceedingly difficult to execute because it takes discipline.
During the start of the year at the 40th-month mark, it was just over the 200k miles.
And yet, I have done it for fifty months consecutively. And yes, I can do so for another fifty months easily – only a few minutes worth of effort and best of all, it builds a track record and accountability.
Displays of willpower
To sum it up eloquently, let me quote MrBeast who is the number #2 YouTuber in the world : “Viewers are attracted to displays of willpower”.
My reach is nowhere as influential as he is (and will never be) but the learning point remains the same. It takes perseverance, discipline and willpower to build presence.
In fact, it is the same with blogging. Even during my busiest days, I have only missed a month or two since 2013. Reminder to self – putting effort into whatever I do will always be the right approach!
In this time, I’m super happy to have helped many of you start travelling in business class as well! The step-by-step guide to US$100 Business Class flight is a rather popular blog post even today!
‘Tis the season to be shopping
A few mega events such as 11/11, Black Friday, Cyber Monday and the 12/12 sales helped to boost miles collection. Besides spending on physical items, a lot of expenses was clocked for services-related items such as this blog that you’re reading.
A lot of work actually goes on behind the scenes to help my blog look better, load faster, become easier to navigate and likelier to come up in search results etc.
Channeling this expenditure to credit cards is one of the simplest and easiest method to clock those miles with DBS Woman’s World credit card and Citi Rewards credit card. It is an open secret how business owners can easily earn millions of miles annually and always fly in business class.
Is this goodbye to UOB .. ?
The UOB Platinum Visa credit card has been a mainstay of my miles-collecting tools for their contactless 4 miles-per-dollar (MPD) earn rate. Rules have since changed but I can still pair it with Google Pay to keep earning the 4 MPD.
Guess what? For this year, even as Covid has ravaged the world, I have continued to clock some expenses on the card as usual.
And yet, UOB persists in playing the hard-to-get stance and rejected my fee waiver twice. Calling in doesn’t help anymore, since the CSO can’t make any decisions and simply escalates it to a non-existent backend for approval / consideration, and doesn’t even bother to reply sometimes. Asking them the reason or factor for rejection doesn’t help since they don’t know anything.
I don’t particularly enjoy going to any commercial entity with a cap in hand and so, I would be bringing my business to another bank instead.
I have already transferred out all my remaining UOB points and with the ongoing KrisFlyer miles promo received another 15% bonus miles in the process.
And hello to HSBC .. ?
HSBC Revolution credit card would be the logical alternative to UOB since they offer the following –
- No annual fee, ever
- 4 MPD for contactless payment
Need I say more?
Earned another $150 sign-up bonus in the process. Felt as though I was ditching a sinking ship and cruising with another 🙂
KrisFlyer 15% bonus miles conversion (till 16-Jan-2021)
Earn 15% more miles when you convert your bank reward points to KrisFlyer miles now – plus the offer has been extended to 16 January 2021.
Perhaps I might make it in time for my pooled DBS points to reach 15,000 and convert them for a bonus 4,500 miles? Might as well since I have some expiring miles in 2021 to take care of anyway.
And that’s all I have for the 450th blog post on my blog! Likely going to be my last post of the year, so lots of thanks and appreciation to YOU for reading and coming along with me on my journey this year. Till 2021 then!
Bonus : miles-collecting resources
If you enjoyed my miles posts and found them useful, here are more useful guides to help you out –
- Redeem KrisFlyer Flights + Stopover : A Guide To Your US$100 Business Class Flight
- Redeem DBS Points For KrisFlyer Miles
- Redeem UOB Rewards Points (UNI$) For KrisFlyer Miles
- Redeem OCBC Rewards Points (OCBC$) For KrisFlyer Miles
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Blog news & stuff
Recently, I created free eBooks for you – do check them out here!
No matter which is your preferred app or medium, there are plenty of ways to get notified whenever there are new blog posts!
Did I mention I have a brand new shop? Basically an upgraded version of my dedicated referral links & codes page and some are exclusive offers. In my virtual store, I penned down my thoughts and listed some awesome products and services that I’m already paying for that helped to supercharge my financial journey. Check it out – it might have something you want!
Hello! I’m Kevin, Turtle Investor
At the age of 30, I am the Personal Finance Blogger who laid claim to a negative net worth of minus $25,755 – and decided to turn things around.
- Seven years later in 2019, I hit CPF Full Retirement Sum (FRS) of $176,000 without making a single cent of CPF top-up
- In nine years, I have added more than $1 million to my net worth
- I earned over six-figure in alternative income in 2021 in addition to my full-time job
I am married to a lovely wife and that means dual income with no kids. In my free time, I chase miles so that we can fly in business class. My hobby is making pocket change off this blog and sharing everything I know with you!