Right here’s Learn how to Maximise Your Credit score Card Spending This Festive Season for Air Miles and Cashback Galore

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Ho ho ho! You recognize the festive season is upon us when procuring malls islandwide are beginning to get away the decor and jolly tunes.

Throughout this time, most of us belong to both of those two camps: Searching for Christmas presents or making these final minute journey plans. So naturally we’re looking out for good offers just like the latest 11.11 sale and airfare promotions.

When you’ve been following our weblog, you’ll know that OCBC simply launched a brand new bank card in August (take a look at our unbiased assessment of the OCBC 90°N Card). Although marketed as an air miles card, there are such a lot of different methods to maximise it, particularly when the miles incomes charge is at an all-time-high through the launch promo interval.

Able to get probably the most mileage (pun supposed) in your buck? Learn on.

Go forward, ebook that year-end vacation

Simply to place issues in perspective, listed here are the present promotional miles incomes charges in the event you plan to journey quickly:

Sort of spend	OCBC 90°N Card miles earn charge (promo — until 29 Feb 2020)
Lodging	Earn 8 mpd in your lodging* For Agoda/Expedia* (should be through these designated OCBC reserving hyperlinks), Airbnb, Millennium Motels and Resorts, and Mr & Mrs Smith
Flights	Earn 4 mpd in your flight reserving **For Singapore Airways, SilkAir, AirAsia, Jetstar Asia, and Scoot
Buying	Earn 4 mpd on procuring at DFS/The Shilla Responsibility Free @ Changi Airport
Overseas foreign money spend	S$1 = 4 miles on overseas foreign money spend Be aware: You don’t even should be abroad. Simply make sure the spend is charged in overseas foreign money and never a part of OCBC’s exclusion record

When you want extra cause to ebook that much-needed vacation, right here’s a comparability of miles incomes charges that different comparable bank cards have to supply:

Sort of spend	OCBC 90°N Card miles earn charge (promo — until 29 Feb 2020)	An identical air miles bank card
Lodging	Earn 8 mpd in your lodging*	Earn 3-10 mpd in your lodging reserving, increased tier earn charge restricted to sure distributors
Flights	Earn 4 mpd in your flight reserving**	Earn 3 mpd in your flight reserving (4 mpd on SQ)
Overseas foreign money spend	S$1 = 4 miles on overseas foreign money spend (promo) / S$1 = 2.1 miles on overseas foreign money spend (after promo)	S$1 = 2 miles

So cease hemming and hawing — go forth and journey!

Perks for buyers

When you usually store for stuff on-line (and on abroad websites), now’s the window to make all of your purchases and pamper your family members with presents, as a result of (a) you want time for the objects to be shipped to Singapore, and (b) all new OCBC 90°N Card candidates will get $50 once they apply on-line.

With Black Friday, Cyber Monday, the loopy end-of-year gross sales and Chinese language New 12 months across the nook, maximise your spend on this card by going all out on Taobao to revamp your own home or refresh your wardrobe on ASOS. Go wild with presents gleaned from Amazon, Guide Depository, ColorPop, iHerb… the record goes on.

Simply to recap:

Sort of spend	OCBC 90°N Card miles earn charge (promo — until 29 Feb 2020)	An identical air miles bank card
Overseas foreign money spend	S$1 = 4 miles on overseas foreign money spend (promo) / S$1 = 2.1 miles on overseas foreign money spend (after promo)	S$1 = 2 miles

Reward time! Would it not be cashback, presents or free flights?

Congrats! So that you’ve managed to earn all of the bonus miles attainable and accumulate a tidy variety of Journey$ (AKA miles) in your OCBC 90°N Card — what’s subsequent?

Properly, cashout after all! Within the type of free flights, cashback and different rewards!

Reward	OCBC 90°N Card (promo — until 29 Feb 2020)	An identical air miles bank card
Cashback	Convert Journey$ to cashback @ 1.2% (native foreign money spend) Convert Journey$ to cashback @ 2.1% (overseas foreign money spend) 1,000 Journey$ = $10	1,000 miles = $6
Award flights	Redeem in blocks of 1,000 No switch/conversion payment	Redeem in blocks of 10,000 miles Switch/conversion payment $25
Redemption platform	Sure, unique offers on STACK Market	Sure

So as a substitute of taking SQ to Bali and again for 15,000 miles, you’ll be able to fly Scoot as a substitute the place the minimal variety of KrisFlyer miles for redemption is simply 1,050 — and you’ll high up the distinction with money. So there’s much less wastage when changing your miles for an award flight.

Even in the event you don’t plan to journey simply but, the miles will look ahead to you, as there’s no expiry.

Different methods to maximise this card

When you die-die wish to squeeze each single drop of utility from this card, listed here are some further issues you are able to do:

Pay your annual payment of $192.60 to get 10,000 factors (first 12 months waived)
Since there’s no cap on incomes Journey$, contemplate making a supplementary card for that sibling who’s planning to check or work abroad…
Planning to get married or have your pre-wed photoshoot? Do it abroad to earn miles — psst…a Bali seashore marriage ceremony can be nice for the ‘Gram
Begin planning now in your New 12 months or CNY purchases/getaway to maximise the miles you’ll be able to earn. Your selection — organise an enormous household journey or escape abroad to evade relations’ pesky questions

With all of the tantalising miles you’ll be able to earn through the promotional interval, there’s no higher time to get the brand new OCBC 90°N bank card. Click on right here to seek out out extra and to enroll.

Do you could have extra tricks to maximise your air miles earnings? Tell us within the feedback under!