Promotion ends on 31 March 2021. OCBC Voyage Card is great for consumers seeking a flexible card that maximises miles. For travellers seeking both perks and flexibility, OCBC Voyage Card is worth considering. Consider this if you want to maximise mile rewards without paying an extravagant annual fee. Our site may not feature every company or financial product available on the market. Consumers spending S$4,000+/month can earn miles at top rates while avoiding an annual fee with UOB PRVI Miles American Express Card. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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 Premier (and above) VOYAGE, I would choose to have both cards. Any advice on which option is better? 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. 2/ Please note that payments made after 7pm each day will be processed the following working day. Consider this if you want special travel perks like free hotel nights and unlimited lounge access. Earn 2.3 VOYAGE miles (3.54% cash rebate) per $1 overseas spend. Use our quick and easy-to-read guide below to learn how you you can redeem card rewards. Or maybe you're asking yourself if you really need to upgrade to standalone travel insurance. Apply Now. Extend your trip with a 4 th night hotel benefit and receive an annual $250 air travel credit. Is one card better than the other? 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. Which card takes second place depends on what your overall local/overseas spending ratio is. 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). For that, you get Diamond with Hilton Honors which is a notch higher than the “standard” Visa Infinite cards. 120k credit cards) at the moment. The next best is Citi Prestige where you get a free ride with $1500 spent in foreign currency within a quarter. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. We identify these exclusions below. 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. 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. The miles you earn can be easily redeemed with no black-out dates and minimal processing time. 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. 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. 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. 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. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. OCBC VOYAGE. OCBC 90°N Card. Citi Prestige. 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 … Consider this if you travel overseas frequently for business or shopping. $488 (Premier)/ $650 (Regular) Complimentary airport limo and expedited immigration clearance with $2K spend per month. 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. 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. If you spend more overseas, then the OCBC VOYAGE wins with its 1.2/2.4 mpd local/overseas spending rate. Summary: In between these two cards. Which one is better for risk adverse at the age of 20, planning to contribute monthly/yearly and take out around 55 to 60? Consider this if you want the ability to redeem your miles whenever you want, without blackout dates. Actual figures may differ or vary depending on actual circumstances. Income RM5,000 /month Annual Fee Free Cashback up to 5%; AFFIN Islamic Visa Business Platinum Card Min. OCBC Voyage Card is excellent for affluent consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks. How Affordable Is a Vegan Lifestyle in Singapore? 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. 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. Citi has the added benefit of the JetQuay and 4th night free going for it, since the limo benefit is far better on Voyage. $488. You’ll get VIP airport lounge access and a free limo service when you spend more than $3,000 in a month. Similarly, the Citi Prestige will give you a choice of either Citi’s own rewards program or the Krisflyer program. Note specific lounge terms and conditions apply. I haven't recieve the new citi card but bro the voyage card feels like a … While cashback credit cards are a permanent fixture in many people’s wallets, they sure aren’t all the same. While there’s a S$488 non-waivable fee, the card is most likely to benefit affluent consumers in the first place. 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. Also, if you don't qualify for premier VOYAGE, you earn more miles per dollar on local spend with the Citi Prestige. 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. All Personal Accident Insurance Comparison. Some credit card expenditures are ineligible for earning rewards. 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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. 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. The OCBC Premier VOYAGE Card is designed with frequent flyers in mind. Luxury Travel Card with High Miles for Local Dining, OS=Overseas Spend, LG=Local General Spend, LD=Local Dining Spend. Cash vs Credit Cards: Which Is Better To Use When Travelling? DBS Altitude vs Citi PremierMiles vs OCBC 90N. spend). And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. There's no harm in that. Ever wonder what the difference is between the complimentary travel insurance offered with your credit card and conventional standalone travel insurance? However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Income RM - /month Annual Fee RM750 Cashback No; AmBank BonusLink Visa Platinum Min. Plus, enjoy the added benefit of no foreign transaction fees 1, so you can feel free to travel the world without added costs. Best Plaza Premium Lounge Access Credit Cards In Malaysia . Cardholders earn 1.4 miles per S$1 local spend, 2.4 overseas, and 10 with major airlines and hotels. 6 Best Free Airport Lounge Access Credit Cards In Malaysia. Benefits: Citi Prestige Accumulating miles: Voyage I'm considering between the Citi PremierMiles Visa card, OCBC 90N and DBS Altitude card, which should I get? Benefits: Citi Prestige Accumulating miles: Voyage. 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. 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. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. Citi Prestige Card . 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). 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. Step-up earn rate of 1.25 air miles per $1 spend only valid from Year 2 of card membership Which one give better return? 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 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. 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