This is the third and final post in our 3-part blog series that takes a look at credit cards that specifically accrue rewards for Singapore Airlines’ Krisflyer program. In Part 1, we took a look at the different sorts of travelers, broken down by their estimated monthly credit card expenditure. In Part 2, we looked at the same spending ranges specifically for the very frequent flyer (businessmen, entrepreneurs, etc.) and which cards stacked up. Now, let's summarize and make our final recommendations.

In this concluding post, we feel it prudent to categorize cardholder preferences according to individual consumer needs before we declare our overall winner.

1. If you're in the first category of not-so-frequent flyer wanting to take advantage of your mileage package but it is NOT a budget priority, then the UOB Preferred Platinum Visa and Citi PremierMiles card are the cards for you. We make this recommendation based on the conversion/mileage rate and expiration date, given your card spending range as well as the time it might take for travel miles to gradually add up.
2. If you're in the next category of fast-paced, free-spending frequent traveler who is seeking to gain as fast as you go, then the UOB PRVI AMEX card is probably your best choice, considering all its other virtues as well as its ease of use and generous waiver fees. The Citi PremierMiles card comes in a very close second.  Making the final decision between these two cards really boils down to your flying frequency/distance covered as the ultimate deciding factor.

Our overall winning card for Singapore Airlines’ Krisflyer program is the Citi PremierMiles card. In terms of all factors considered: budgets, lifestyles, spending ranges, travel schedules -- this card emerges tops for its ease of use and suitability to different permutations of travel/spending needs. Its handy mile packages cater quite comfortably to every type of traveler from the jet-setter to the occasional holidaymaker.

We'd like to leave you with this final caveat to remember when making your decision about frequent flyer credit cards. All the cards offer generic air miles that can be converted to KrisFlyer miles but the conversion rate varies between different between banks. This is something that the more thrifty consumer might want to watch more closely and evaluate.  Also, for the frugal shopper, yearly waivers and maintenance fees might be an additional consideration.

Well, not directly related to credit cards, but today we have launched our new web portal for the avid ski and snowboarding community in Singapore and the region. We invite you to take a look at www.ski.sg or join our Facebook group Ski.sg.