Jiax

Jiax

Founder, Truffle

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Singapore miles, cards and investing, explained without the jargon.

I am a Singapore based creator writing about miles, credit cards and investing. I came to this the long way round: a freelance videographer with a background in options trading, who got obsessive about squeezing more out of ordinary spending and ended up flying places I could not otherwise justify.

Everything here is written from the inside. The cards I review are cards I hold and actually pay with, the cabins I write about are ones I have flown, and the portfolios I discuss are ones I own. When I have not tried something myself, I say so.

The reviews are built from each bank's official terms, cross-checked against the fine print rather than the marketing page, and dated so you can see how current they are. Card terms in Singapore change constantly, so I would rather show you the date and the source than pretend a number is permanent.

What I cover

  • Miles and credit card strategy
  • Award redemptions and transfer partners
  • Long term investing and market context
  • Personal finance for people starting out

How the reviews are made

Every rate, fee and cap is taken from the issuer's own terms and marked with the date it was checked. Where a figure could not be confirmed from an official source, it is flagged rather than guessed. If something turns out to be wrong, it gets corrected and the change is noted on the article. The full method is in our editorial policy.

Nothing here is financial advice. It is what I do with my own money, written down.

Articles

Written by Jiax

Card review

HSBC Premier Review (2026): The Highest General Spend Card

The highest general-spend rate of any card in Singapore at 1.68 mpd uncapped, gated behind a S$200,000 relationship balance. Why the fee is the least of what you pay.

11 Aug 2026
Card review

OCBC Rewards Review (2026): The One That Pays In Shops

4 mpd on shopping online and in person, which almost no other card here covers both of. The S$1,110 cap, the two-year clock, and the 6 mpd promo that has been ending for years.

11 Aug 2026
Card review

Citi PremierMiles Review (2026): The Uncapped Fallback

No categories, no caps and miles that never expire. Why the least exciting miles card in Singapore is still the one most wallets are missing, and the fee decision that costs people 22,000 miles.

11 Aug 2026
Card review

Amex KrisFlyer Review (2026): A Good First Card, Not A Last One

A fee that is readily waived and a KrisFlyer balance that maintains itself, at 1.1 mpd. Why that combination suits beginners, and the one question that decides between this and Ascend.

10 Aug 2026
Card review

DBS Vantage Review (2026): The Waiver Is Gone, And That Is Fine

DBS removed the S$60,000 fee waiver on 1 August, making the S$599.50 fee unavoidable and the 25,000-mile credit unconditional. Why heavy spenders came out ahead, and the one number that decides it.

10 Aug 2026
Card review

DBS Woman’s World Review (2026): The One-Year Clock

4 mpd on online spend up to S$1,000 a month, on points that expire in about a year. The arithmetic that decides whether this card works for you, and the spend level where it stops.

9 Aug 2026
Card review

Citi Prestige Review (2026): The Fee Is The Product

S$651.82 a year that cannot be waived, against 32,000 miles handed back at every renewal. Why judging this card on its earn rate misses what it actually is, and the one number that decides it.

9 Aug 2026
Card review

HSBC TravelOne Review (2026): The Best Transfer Desk

Free transfers into about 20 airline programmes, which no other card here offers. Why the earn rate is the least interesting thing about this card, and the KrisFlyer ratio that costs you a fifth.

8 Aug 2026
Card review

UOB PRVI Miles Review (2026): A High Flat Rate, Uncapped

2.4 mpd on foreign currency with no ceiling, the highest uncapped overseas rate here. Why the network you pick changes the fee completely, and the spend level where this beats every 4 mpd card.

8 Aug 2026
Card review

Standard Chartered Journey Review (2026): 3 mpd On Every Ride

3 mpd on transport, a forgiving 1.2 base rate and points that never expire, pointed at what appears to be a single airline. Why that combination works better than it sounds, and what to verify first.

7 Aug 2026
Card review

DBS Altitude Review (2026): The Points That Never Expire

The only miles balance in Singapore with no clock on it, on a card that just lost its spend-based fee waiver. Why that change is better than it sounds, and where 1.3 mpd uncapped actually wins.

6 Aug 2026
Card review

Amex Platinum Charge Review (2026): Benefits First, Miles Second

February’s devaluation cut the conversion by 20%, leaving 0.63 mpd on a S$1,744 fee. Why a free card beats it six times over, and the only basis on which it still makes sense.

5 Aug 2026
Card review

Amex Rewards Card Review (2026): The Maths Does Not Work

0.45 miles per dollar, against 4 mpd on a card that costs nothing. The arithmetic on S$24,000 of spending, and the one honest argument for holding it anyway.

4 Aug 2026
Card review

OCBC 90°N Review (2026): 6 mpd On Agoda, Uncapped

The highest uncapped rate of any card here, on miles that never expire and transfer from 1,000 instead of 10,000. Why the mechanics matter more than the everyday rate, and the link you have to start from.

4 Aug 2026
Card review

BOC Elite Miles Review (2026): Great Rate, Painful Exit

2.8 mpd overseas uncapped, second only to a card asking S$150,000 of income. Then a 50,000-point transfer floor, three working weeks of processing and one remaining airline.

3 Aug 2026
Card review

Maybank XL Rewards Review (2026): All-Rounder With A Short Clock

Four miles per dollar on every foreign currency transaction with no channel rules, and travel agencies included where most cards exclude them. Two conditions decide whether you can use it.

2 Aug 2026
Card review

KrisFlyer Ascend Review (2026): The Vouchers Are The Card

A S$397.85 fee that can return 28,000 miles, if you clear S$10,000 of foreign spend inside a fixed window. The earn rate is beside the point, and the threshold is all or nothing.

1 Aug 2026
Card review

KrisFlyer UOB Review (2026): Uncapped, For SIA Fans

The only card here that credits KrisFlyer miles directly, with no transfer fee and no minimum block. What the S$1,000 Singapore Airlines unlock really asks for, and what one-airline earning costs you.

1 Aug 2026
Card review

UOB Preferred Visa Review (2026): Contactless Spend specialist

Two separate S$600 buckets at 4 mpd (contactless & online shopping). The 4mpd mobile contactless is really the standout here, allowing you to earn for groceries (which most miles cards refuse to reward)

30 Jul 2026
Card review

OCBC VOYAGE Review (2026): The Fee Schedule Is A Mileage Shop

S$3,270 for 150,000 miles, into a balance that never expires and transfers to KrisFlyer with no minimum. Why the fee tiers are the only reason to look at this card, and who they actually suit.

29 Jul 2026
Card review

UOB Lady’s Card Review (2026): Choose Your Own Category

The only card here that lets you pick your own 4 mpd category, capped at S$1,000 a month, sitting on the worst base rate in the lineup. How to choose the category, and where UOB’s definitions bite.

26 Jul 2026
Card review

UOB Visa Signature Review (2026): The S$1,000 Catch

Two 4 mpd buckets and S$2,400 of monthly headroom, behind a minimum spend that pays base rate the moment you miss it. Who this card is genuinely excellent for, and who should not bother.

23 Jul 2026
Card review

Maybank World Mastercard Review (2026): The Expiry Switch

3.2 mpd overseas uncapped, beating cards that ask twice the income. And holding it removes the points expiry on every other Maybank card you own, which no comparison table will tell you.

22 Jul 2026
Card review

Maybank Horizon Review (2026): Three Free Years, One Monthly Gate

2.8 mpd overseas uncapped and no annual fee until year four, sitting on 0.16 mpd for everything else. Plus the second card that switches off the points expiry across your whole Maybank stack.

19 Jul 2026
Card review

Citi Rewards Review (2026): 4 mpd on Almost Everything Online?

Four miles per dollar on almost anything bought online, including the groceries most miles cards refuse to pay on. The S$1,000 cap, the travel exclusion, and the two workarounds that still work.

16 Jul 2026
Card review

HSBC Visa Infinite Review (2026): Beaten By Its Own Sibling

A S$662.15 fee that cannot be waived and returns nothing, on a card TravelOne out-earns at a third of the price. Plus five terms HSBC has not confirmed, including whether it is still taking applications.

15 Jul 2026
Guides · First card

Best Credit Cards for Fresh Grads in Singapore (July 2026)

Just got your first paycheck? The miles cards I would start with in Singapore, how welcome offers really work, and the traps fresh grads fall into.

12 Jul 2026
Card review

Standard Chartered Visa Infinite Review (2026): 3 mpd Overseas, No Ceiling

The highest uncapped overseas rate in Singapore, behind the highest income gate and a S$599.50 fee that returns nothing. The spend level where it beats a PRVI Miles, and where it does not.

12 Jul 2026
Card review

HSBC Revolution Review (2026): Up to 8 mpd & No Annual Fees?

No annual fee, up to 4 miles per dollar on everyday online and contactless spend, and a few MCC traps that quietly cost people miles. Here is the honest breakdown.

9 Jul 2026