Is Paying Service Fees Worth It? My Decision Framework [Citi Payall, CardUp, iPayMy etc]
When are credit card service fees worth paying for miles? The cost-per-mile framework, the milechaser ceiling, and when to skip it.
When are credit card service fees worth paying for miles? The cost-per-mile framework, the milechaser ceiling, and when to skip it.
CardUp and iPayMy are raising fees in June 2026. Here are the cheapest ways to keep paying income tax, rent and bills by credit card and earn miles — iPayMy on Mastercard, Citi PayAll, and more, with cost per mile compared.
How Citi PayAll lets you pay income tax, rent and bills by Citi credit card and earn miles in 2026 — the promo fees, qualifying conditions, per-card cost per mile, and which Citi card to use.
Are premium credit card annual fees worth it for miles? The breakeven-spend math, when premium cards pay off, and when to downgrade instead of cancel.
The best Singapore credit and non-credit cards for car rentals overseas in 2026 — ranked by cost per mile and net return after FX fees, with the deposit-hold, prepay-vs-counter and DCC traps explained.
Find the best cards for utilities in Singapore here
Groceries are essential and of course, we want to earn rewards with it! Here’s the best cards for grocery shopping. Read more.
Tribecar codes as MCC 4121 (taxi); GetGo and Shariot code as MCC 7512 (car rental). Most cards quietly exclude these. Here are the cards that actually earn — split into miles, cashback, and a HeyMax voucher hack for higher rewards.
The best credit and debit cards for overseas spending in Singapore for 2026 — Mari (1.5% cashback, 0% FX), Trust, Chocolate, Wise, YouTrip, plus the top miles cards (Maybank XL Rewards, Citi Rewards + Amaze, UOB PRVI Miles).
Earn 4 miles per dollar reward on selected online payments with HSBC Revolution Card! No annual fee. Read my cheatsheet here.
When are credit card service fees worth paying for miles? The cost-per-mile framework, the milechaser ceiling, and when to skip it.
CardUp and iPayMy are raising fees in June 2026. Here are the cheapest ways to keep paying income tax, rent and bills by credit card and earn miles — iPayMy on Mastercard, Citi PayAll, and more, with cost per mile compared.
How Citi PayAll lets you pay income tax, rent and bills by Citi credit card and earn miles in 2026 — the promo fees, qualifying conditions, per-card cost per mile, and which Citi card to use.
Are premium credit card annual fees worth it for miles? The breakeven-spend math, when premium cards pay off, and when to downgrade instead of cancel.
The best Singapore credit and non-credit cards for car rentals overseas in 2026 — ranked by cost per mile and net return after FX fees, with the deposit-hold, prepay-vs-counter and DCC traps explained.
Find the best cards for utilities in Singapore here
Groceries are essential and of course, we want to earn rewards with it! Here’s the best cards for grocery shopping. Read more.
Tribecar codes as MCC 4121 (taxi); GetGo and Shariot code as MCC 7512 (car rental). Most cards quietly exclude these. Here are the cards that actually earn — split into miles, cashback, and a HeyMax voucher hack for higher rewards.
The best credit and debit cards for overseas spending in Singapore for 2026 — Mari (1.5% cashback, 0% FX), Trust, Chocolate, Wise, YouTrip, plus the top miles cards (Maybank XL Rewards, Citi Rewards + Amaze, UOB PRVI Miles).
Earn 4 miles per dollar reward on selected online payments with HSBC Revolution Card! No annual fee. Read my cheatsheet here.
Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.
Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.