Most Effective Ways To Overcome Best Credit Card For Wedding's Problem | Best Credit Card For Wedding - best credit card for wedding
It’s no abstruse that accomplishing the accomplished alliance shebang in Singapore is actively expensive, with bells feast table prices activity up badly anniversary year. As of 2019, a table at a top bank 5-star auberge will set you aback about $2,000 at least. Yikes!
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And that’s afore factoring in the bulk of your honeymoon. Seriously, why bother? Aloof elope and alive in sin lah.
But we get it — some bodies absolutely accept “no choice” but to absorb $50,000 on a bells banquet, be it due to your crazy status-obsessed in-laws, associate pressure, or what-have-you.
The abutting best affair you can do is to pay for your bells feast with an air afar acclaim card, so that at atomic you can get chargeless flights for your honeymoon.
Let’s accept a attending at which acclaim cards are best for earning afar on that absurdly big-ticket wedding.
Let’s accept you’re captivation a “typical” aerial SES bells banquet. It’s on Saturday black at Capella Singapore (of course), and you’re booking 30 tables (per your parents’ and in-laws’ awful advancing requests).
At $2,458 per table, that works out to $73,740 in total.
On to the honeymoon. If you’re planning on a Europe honeymoon, you’d be attractive at about $1,500 to $2,000/pax for flights on a full-service carrier (I accept you wouldn’t accede budget, back it’s a long-haul flight). So that’s about $3,000 to $4,000 absolute for the flights alone.
Or, if you’re on a common flyer programme like Singapore Airlines KrisFlyer, that’s 76,000 afar per being or 152,000 afar for both.
In adjustment to save $3,000 to $4,000 on flights, you’d accept to hit 15,200 afar by application the appropriate afar card. Let’s see if it’s possible.
Here’s an overview of how abounding afar you can get with the accepted afar cards on the market, factoring in the accepted sign-up promotions.
* Anniversary fee acquittal required.
As you can see, the best afar you can get with a distinct acclaim agenda is 148,488 afar (the Standard Chartered X Card), which is aloof shy of the 152,000 afar bare for a brace of acknowledgment flights. Urgh! Infuriating.
But all is not lost. Here’s one awe-inspiring little ambush you can try…
Presumably, both of you are earning abundant money at this point to authorize for acclaim cards (otherwise you accept no business captivation a abundant Capella wedding, adolescent man/woman!).
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So nothing’s endlessly you BOTH from applying for abstracted afar cards to pay for the bells bill. Assuming absolute gender equality, you’d both pay bisected the bill anniversary with your new afar cards: $36,870 each, which is absolutely abundant to hit the minimum absorb bare to authorize for any sign-up bonus.
Here’s how abundant anniversary afar agenda would garner:
* Anniversary fee acquittal required.
Potential acclaim agenda ability couples are:
StanChart X Agenda StanChart X Card: 104,244 afar 104,244 afar = 208,488 miles. This gets you the best accessible miles, but you accept to angle out ample anniversary fees — $695.50 each, or $1,391 in total. Ouch.
Alternatively, StanChart X Agenda Citi PremierMiles Agenda (if one of you is new to Citibank): 104,244 afar 65,244 afar = 169,488 miles. The anniversary fee for Citi is $192.60, so your absolute costs are $888.10.
Even StanChart X Agenda Amex KrisFlyer Agenda would work. 104,244 afar 53,057 afar = 157,301 miles. There’s a aboriginal year fee abandonment whether you’re new to Amex or not, so you alone charge to pay the $695.50 anniversary fee for the X Card.
Unfortunately, activity this avenue consistently entails advantageous the ample anniversary fee on the StanChart X Card. No added agenda comes abutting in agreement of afar earned, so you can’t get abundant afar for your amusement with agenda combos that don’t accommodate this card.
I apperceive that best bodies who die-die charge accept auberge bells will not accede this, but if you’re austere about block afar and accepting the best blast for your blade (many thousand bucks, in this case) — you should anticipate about hosting your bells at a nice restaurant instead.
That way, you can accomplish use of acclaim cards with accelerated afar for dining spending.
Wedding banquets at hotels, unfortunately, don’t calculation as dining spend. No, it’s not because the helpmate and benedict don’t get to eat on their bells day (although this is accurate in abounding cases).
It’s because the aggregation charging $70K to your acclaim agenda is Capella or Shangri-La or whatever — it’s registered as a hotel. The acclaim agenda aggregation doesn’t apperceive what you absolutely did with that $70K.
Let’s say you opt for Peony Jade restaurant instead. A table there costs $999, so with the aforementioned 30 table booking, the absolute would be beneath than bisected that of Capella’s: $29,970. The afterward acclaim cards will get you these miles:
Note that for UOB KrisFlyer Acclaim Card, you’ll accept to delay a accomplished year afore you can get the benefit miles, so if you’re not accommodating to wait, aloof accord it a miss.
The Maybank Horizon acclaim agenda has the best afar acquire bulk for dining spending, and as far as we know, there isn’t a super-long delay for the afar to appear in. Unfortunately, due to the abate bulk that you’d absorb at a restaurant, the absolute afar becoming won’t be abundant for both your acknowledgment flights.
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That said, you would accept adored a whopping $43,770 by switching the feast venue, so alike if you angle out $2,000 to pay for one person’s Paris flights in cash, you’d still accept over $40,000 larboard over.
If you are in abounding control of your acumen and accept no ambition to splash out on a big chichi feast — acceptable for you! — you can still pay for your bells feast with an air afar card.
But instead of redeeming your chargeless flights appropriate away, you can accept to accrue afar with added big purchases, such as home accessories and furniture.
Choose a acclaim agenda with afar that don’t expire, and if it awards benefit afar for hitting a assertive minimum absorb e.g. $6,000 or so, all the better.
If you’re new to Citibank, our aces is the Citi PremierMiles Card, as you can get 21,000 benefit afar for spending $7,500 in the aboriginal 3 months. You’d accept to pay a $192.60 anniversary fee, though, contrarily the benefit drops to a added bashful 6,400 miles. Citi Afar don’t expire.
Another abundant another is the DBS Altitude Card, which again, has no-expiry miles, so the burden of accession abundant afar to catechumen into a flight is off. Appropriate now, DBS is additionally active a sign-up afar promotion. You get the best of 20,000 benefit afar if you’re new to DBS and opt to pay the anniversary fee, but you can still get afar if you accept not to, or if you’re an absolute customer.
Do you accept any added tricks for earning afar with your bells banquet? Tell us in the comments.
Singapore Bells Feast Price List (2019) & Tips to Save
The 7 Best Air Afar Acclaim Cards in Singapore (2019)
Wedding Photography & Bells Videography Rates in Singapore
The column Earning Air Afar with Your Bells Feast — Which Acclaim Agenda is Best? appeared aboriginal on the MoneySmart blog.
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