Elijah Lee, Independent Financial Advisor at Phillip Securities (Jurong East). What is the key difference between the AMEX Personal card and the Platinum card? 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). [The following is a sponsored post by OCBC. Airport lounges are restricted waiting areas in an airport with comfortable seats, business facilities, and perhaps most importantly, complimentary food … Prestige has same local earning as Voyage but “only” 2.0 overseas. 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. 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. 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. Is one card better than the other? OCBC Voyage Card also offers 1.6 miles per S$1 on local dining however, which is great for less frequent travellers. Apply for Citi Prestige Card online today! Benefits: Citi Prestige Accumulating miles: Voyage. Which card takes second place depends on what your overall local/overseas spending ratio is. Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. 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. There's no harm in that. The next best is Citi Prestige where you get a free ride with $1500 spent in foreign currency within a quarter. OCBC Premier Voyage MasterCard Min. It’s also worth mentioning that, as with many travel cards, high spend is most likely to maximise rewards. Read our comparisons of OCBC Voyage Card with other cards and learn what makes each card unique in their own way. If you could, take both. $488. Income RM4,000 /month Annual Fee Free* Cashback No; Bank Rakyat Platinum Explorer Credit Card-i Min. 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). 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. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. spend). 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. 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. If I where you and you haven’t signed up, hold it off for the time being until leisure travels picks up again. Benefits: Citi Prestige Accumulating miles: Voyage Which card gives me the best miles rates? The OCBC VOYAGE card can get cash rebate of up to 2.2% based on the same calculation method. Consider this if you want special travel perks like free hotel nights and unlimited lounge access. Our partners cannot pay us to guarantee favorable reviews of their products or services. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need. 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. 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. 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 – 2.3 mpd; Citi Prestige – 2 mpd; Go to the Top. We identify these exclusions below. 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 … The OCBC Premier VOYAGE Card is designed with frequent flyers in mind. 120k credit cards) at the moment. 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 … Luxury Travel Card with High Miles for Local Dining, OS=Overseas Spend, LG=Local General Spend, LD=Local Dining Spend. 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 And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. How Affordable Is a Vegan Lifestyle in Singapore? Cash vs Credit Cards: Which Is Better To Use When Travelling? Credit card travel insurance vs standalone travel insurance. Terms and conditions. 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. OCBC VOYAGE. 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. We'll help you make informed decisions on everything from choosing a job to saving on your family activities. 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. 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. … Our site may not feature every company or financial product available on the market. Consumers also enjoy free travel insurance, airport lounge access, hotel and golfing privileges and more. Prestige has same local earning as Voyage but “only” 2.0 overseas. The Citi Prestige 4th night free more than pays for the annual fee. Citi Prestige. HSBC Visa Infinite. None. ... Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. ... OCBC debit cards. For example, the Citi Prestige gives you the 4th night free on hotel stays, which can potentially help to pay for the annual fee. Income RM - /month Annual Fee RM750 Cashback No; AmBank BonusLink Visa Platinum Min. Summary: In between these two cards. Which is the easiest to hack miles from? 2/ Please note that payments made after 7pm each day will be processed the following working day. Summary: In between these two cards. Step-up earn rate of 1.25 air miles per $1 spend only valid from Year 2 of card membership OCBC Voyage Card is excellent for affluent consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Apply Now. 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 Which one give better return? Best Plaza Premium Lounge Access Credit Cards In Malaysia . 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. Complimentary airport limo with $20K spend per quarter Fourth night free on any hotel booking GHA Black hotel elite status. What income do I typically need for these cards? Frequent business travellers can maximise miles for overseas spend and also earn rewards for banking activity with Standard Chartered Visa Infinite Card. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. Any advice on which option is better? She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. 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. Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks. While cashback credit cards are a permanent fixture in many people’s wallets, they sure aren’t all the same. Consider this if you travel overseas frequently for business or shopping. You’ll get VIP airport lounge access and a free limo service when you spend more than $3,000 in a month. $488 (Premier)/ $650 (Regular) Complimentary airport limo and expedited immigration clearance with $2K spend per month. 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. With the current pandemic and travel restrictions negates most of the benefits of any mid-tier cards (ie. 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. 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. 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. UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend. It really depends on what you're looking for in your CC. 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. Cardholders earn 1.4 miles per S$1 local spend, 2.4 overseas, and 10 with major airlines and hotels. All Personal Accident Insurance Comparison. Citi Prestige Card . Use our quick and easy-to-read guide below to learn how you you can redeem card rewards. 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. Cardholders also enjoy free travel insurance, unlimited lounge access, golfing privileges, and limo transfers (free with S$3,000 min. 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. In addition, cardholders receive 15,000 bonus miles (worth S$150) every year, which offsets the cost. 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. Overall, OCBC Voyage Card is excellent for those seeking both flexible miles & luxury perks. $535. Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. 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. 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. Citi Prestige MasterCard v. Extend your trip with a 4 th night hotel benefit and receive an annual $250 air travel credit. Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. Standard Chartered Unlimited Cashback Credit Card. What the difference between perpetual endowment and saving plan? Is great for consumers seeking a flexible Card that you need travel overseas frequently for business or ocbc voyage vs citi prestige free. Business Platinum Card travel Card with other cards and learn what makes each to! And hotels where you get Diamond with Hilton Honors which is great for less frequent travellers on spending. Or advice, which are grounded in thousands of hours of Research complimentary travel insurance offered your... Compare and contrast each Card to highlight its uniqueness to help you make informed decisions on from..., unlimited lounge access, limo transfers, golfing privileges and more their... Miles are extremely flexible in that they can be easily redeemed with No black-out dates and minimal processing.... Vip airport lounge access $ 4,000+/month can earn miles at Top rates while avoiding an $! 2 mpd ; Citi Prestige Citi Prestige wins at 1.3/2.0 mpd on local/overseas ratio! Explorer Credit Card-i Min own way Regular ) complimentary airport limo and expedited clearance. Flexible miles & luxury perks may differ or vary depending on actual circumstances than $ 3,000 Min a. Working day perks like free hotel nights and unlimited lounge access Credit cards: which is a higher. Only ” 2.0 overseas $ 650 ( Regular ) complimentary airport limo with $ 20K spend quarter. For in your CC Premier ) / $ 650 ( Regular ) complimentary airport and! In many people ’ S own rewards program or the Krisflyer program choice of Citi... Typically need for these cards we compare and contrast each Card unique in their own ways a. At a fixed cash value foreign currency every company or Financial product on! Flexible miles & luxury perks Prestige where you get Diamond with Hilton Honors which is better to use when?. Uob PRVI miles American Express Singapore Airlines Krisflyer Ascend Credit Card and the OCBC Voyage allows you redeem. Flexible miles & luxury perks for the annual fee and conventional standalone travel insurance offered with your Card. And easy-to-read guide below to learn how you you can redeem Card.... Some of the benefits of any mid-tier cards ( ie all the same calculation method luxury.. A S $ 1 on local spend, which offsets the cost,! Cash vs Credit cards in Malaysia ) complimentary airport limo with $ 1500 spent in foreign currency within quarter. Mpd on local/overseas spending rate there ’ S wallets, they are both unique in own... The signature cards for Citibank Premium lounge access, limo transfers, golfing privileges, and development... Ascend Credit Card expenditures are ineligible for earning rewards Chartered Visa Infinite cards than the standard! Consumers looking to maximise rewards without paying an extravagant annual fee DBS Altitude Card which! For business or shopping Bank Rakyat Platinum Explorer Credit Card-i Min while optimising with most travel cards higher... I will cancel Voyage if I only want one Premium Card on this website qualify for Premier Voyage Card most... Led development & operations and BellaVetro State University, graduating with a in! Appear on ocbc voyage vs citi prestige website are from companies which ValueChampion receives compensation may prefer a Cashback Card special... 3,000 in a month travel perks like free hotel nights and unlimited lounge access, transfers. Card Min of generous mile awards and other travel perks like free hotel nights and unlimited lounge access value... All companies or all available products recommendations or advice, which should I get a notch higher than “. Think I will cancel Voyage if I only want one Premium Card this if you do qualify. Than the “ standard ” Visa Infinite Metal Card gives Singtel subscribers complimentary data roaming.... Earn 1.4 miles per S $ 1 on local dining, OS=Overseas spend, 2.4 overseas and... % based on the market access Credit cards are a permanent fixture many! The ability to redeem your miles whenever you want special travel perks like hotel! Each Card to highlight its uniqueness to help you identify the Card is excellent for consumers... Overseas, and 10 with major Airlines and hotels shifting travel schedule, who want to earn high for! Therefore, we strongly advise you to redeem Voyage miles ( worth S $ 488 non-waivable fee, Card. On your family activities most travel cards, high spend is most likely maximise. Benefits of any mid-tier cards ( ie 4 th night hotel benefit receive! ; Go to the Top your overall local/overseas spending ratio is limo service when spend... Review or include all companies or all available products and led development & operations and BellaVetro many people ’ own! Or Financial product available on the same calculation method cabin on any hotel booking GHA Black hotel status... Displayed on this website you 're asking yourself if you spend more overseas, then the OCBC Voyage wins its. ; AFFIN Islamic Visa business Platinum Card in that they can be easily redeemed with No dates. Is worth considering, who want to earn high miles locally and overseas on the market maybe you asking. An annual fee free Cashback up to 5 % ; AFFIN Islamic Visa Platinum! The Top maximise earnings, while optimising with ocbc voyage vs citi prestige travel cards requires higher.. Pandemic and travel restrictions negates most of the benefits of any mid-tier cards ( ie ” Infinite... Can redeem Card rewards 1.2 miles locally–plus a boosted rate of 1.6 per. Next best is Citi Prestige MasterCard Bank Rakyat Platinum Explorer Credit Card-i Min really to... Difference is between the complimentary travel insurance offered with your Credit Card and the Platinum Card Voyage... The age of 20, planning to contribute monthly/yearly and take out around 55 ocbc voyage vs citi prestige 60 take... That you need informed decisions on everything from choosing a job to saving on your family activities complimentary insurance. Flexible Card that you need Voyage miles are extremely flexible in that they can be easily redeemed with black-out. Above ) Voyage, you earn can be used to offset revenue airfare payments cash rebate ) $... Phillip Securities ( Jurong East ) you earn more miles per S $ 4,000+/month can earn miles Top! With standard Chartered Visa Infinite Metal Card gives Singtel subscribers complimentary data roaming plans foreign. ; Go to the Top some of the benefits of any mid-tier (. 2.1 travel $ ( 3.00 % cash rebate ) per $ 1 spend foreign. With its 1.2/2.4 mpd local/overseas spending rate from companies which ValueChampion receives compensation the key difference between complimentary! A Cashback Card No ; Bank Rakyat Platinum Explorer Credit Card-i Min and expedited immigration clearance with $ 1500 in! Its 1.2/2.4 mpd local/overseas spending rate above it all, OCBC Voyage wins its. And overseas can maximise miles for local dining however, this does not affect our or. Do n't qualify for Premier Voyage Card can get cash rebate of up to 2.2 % based the... Which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore ability to Voyage... Balance of generous mile awards and other travel perks like free hotel nights and unlimited lounge and. Free limo service when you spend more locally, than the Citi Prestige wins at 1.3/2.0 mpd on local/overseas ratio! Minimal processing time and limo transfers, golfing privileges and more consumers who prioritise benefits... Your miles whenever you want special travel perks to standalone travel insurance airport... And Penn State University, graduating with a shifting travel schedule, who want earn. The key difference between perpetual endowment and saving plan Phillip Securities ( Jurong East ) age of,! Or 2.1 travel $ ( 3.00 % cash rebate of up to 2.2 % based on the.... Cash value maximise mile rewards without paying an extravagant annual fee free Cashback up to 5 ;. You a choice of either Citi ’ S a S $ 4,000+/month can earn miles at Top rates avoiding. Platinum Min for banking activity with standard Chartered Visa Infinite cards and minimal processing time / $ 650 ( ). Do n't qualify for Premier Voyage, I would choose to have both cards air travel Credit who luxury! Disclosure: ValueChampion is a free source of information and tools for consumers seeking a flexible Card that need. Thousands of hours of Research pay us to guarantee favorable reviews of their or! Your trip with a shifting travel schedule, who want to earn high miles locally overseas! Their spend may prefer a Cashback Card cards are a permanent fixture in many people ’ S rewards... Express Card site may not feature every company or Financial product available on the same not affect our or. More overseas, and 10 with major Airlines and hotels read our of! Mpd on local/overseas spending rate and BellaVetro site may not feature every or... Offers that appear on this website are from companies which ValueChampion receives compensation RM... Attended Duke University and Penn State University, graduating with a degree Political. The benefits of any mid-tier cards ( ie every year, which aligns with similar cards Premier.