People who don't want the hassle of transferring miles, paying for conversion fees. People who frequently travel with SIA
Grab, Starbucks, McDonalds, SIA, SilkAir, KrisShop, overseas spending only in Jun and Dec
One-off big purchases and everyday spending
You have upcoming expenses that will hit the minimum spending requirement for sign up bonuses. You travel frequently with Singapore Airlines and prefer to avoid the hassle of converting points to miles. You don't mind paying the annual fee.
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