To recap, UOB Visa Signature generates 4mpd for contactless transactions with a minimum spend of $1k and a spending cap of $1.2k. The spending for this card has to be during the statement month (see Milelion's review of the card for an explanation of the difference between statement month and calendar month). Fortunately, my statement date is the 2nd of each month so its virtually the same as calendar month.
I thought it would be useful to document my $1k contactless spending on my credit card in a month when I had no big ticket items (no single item costing more than $100) to see what my spending pattern is like. Obviously if I bought a big ticket item, the spending chart would be quite skewed.
My main contactless spending is understandably F&B at 51%. This includes restaurants, takeaway food, and Starbucks. Many restaurants have switched to ordering via QR code but most collect payment at the counter or have the option open, so that I can make a contactless payment.
On months when I am making a big ticket purchase which results in the $1.2k cap being hit early, I can shift my F&B spending to the UOB Krisflyer card which gives 3mpd for dining.
Its great that the SQ Annual Time to Fly sale takes place after the Global Redemption Sale, because you get to use up your miles first on discounted redemption tickets, and then whatever you are unable to redeem, you use cash. Makes more sense than the other way round.
For this year's sale, I bought one biz class ticket to Australia for $4.5k. That translates to roughly:
- 11,500 miles (to be earned after flying): +25% booking class bonus +25% Elite Silver bonus (yup, my Elite Gold has expired)
- 13,500 miles from UOB Krisflyer Credit Card (3mpd)
- Total 25,000 miles.
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