KrisPay has a new miles earning offer for the last 11 days of March 2020. Simply make a purchase at any Harvey Norman outlet in Singapore, with payment by cash or card, and earn 3 miles for every 3 dollars spent in addition to your regular credit card points, instead of the usual 1 mile for every 3 dollars.
That’s the equivalent of 1 mile per dollar rather than the usual rate of 0.33 miles per dollar.
This might be a nice boost for a larger purchase, with Harvey Norman specialising in electrical goods, computers and even furniture items at some stores.
Better still, stacking the deal even with ‘average’ 1.2mpd earning credit cards in Singapore will net you 2.2 miles per dollar total on your transaction, and up to 5 miles per dollar with certain cards offering bonus miles for spending in the right category.
Where?
All twelve Harvey Norman stores in Singapore are participating in the offer.
- Millenia Walk (flagship store)
- Bedok Point
- Bukit Panjang Plaza
- Djitsun Mall
- Hougang Mall
- Jurong Point
- Kinex
- Parkway Parade Superstore
- Northpoint
- Suntec City
- Westmall
- Viva Business Park Factory Outlet
You can check on the exact locations, product types offered in each store and opening hours here.
Terms and conditions
- Valid from 21st March 2020 to 31st March 2020.
- KrisPay miles can only be earned through payment by cash, credit or debit card.
- Not applicable for purchases paid with credit cards’ interest free installment.
- Invoice name must match the KrisFlyer member’s name.
- Not applicable for purchase of Harvey Norman vouchers.
Apart from the expected restriction of not being able to earn KrisPay miles when purchasing Harvey Norman vouchers (that’s always the case, even for the regular earn rate), this is a fairly simple offer with no major catches.
Note that you will earn 3 KrisPay miles for every 3 whole Singapore Dollars spent under this offer, so for example a $26.90 transaction will earn 24 KrisPay miles, while a $27 one will earn 27 KrisPay miles.
This only comes into play significantly for smaller purchases, and is negligible if you’re spending say S$1,700 on a laptop.
Which card to use
As we already mentioned you’ll still do quite well from this offer using a general spend card, without the worry of spending caps for example, earning an additional 1.2 to 1.5 miles per dollar on top of this extra 1 mile per dollar from KrisPay when making your purchase (for 2.2 to 2.5 mpd effective total earn rate).
Better than that though, if you hold the OCBC Titanium Rewards card you’ll get 4 miles per dollar for shopping at Harvey Norman (which trades under MCC 5732 – Electronics Sales), meaning you can effectively earn 5 miles per dollar in total.
Here’s how it looks against a couple of popular general spend cards.
| Card | Miles per S$1 | Notes |
 OCBC Titanium Rewards(see our review) |
4.0 | 4mpd on all electronics (MCC 5732) spend, capped at S$12,000 per card membership year. |
 BOC Elite Miles World Mastercard(see our review) |
1.5 | 1.5mpd on all SGD spend, with no cap. |
 Citi PremierMiles(see our review) |
1.2 | 1.2mpd on all SGD spend, with no cap. |
Remember you’re capped at S$12,000 annual spend at the 4mpd rate with the OCBC Titanium Rewards card, but it’s possible to have both a blue and a pink version to effectively double your earn rate. OCBC$ only convert to KrisFlyer.
Note that Citi Rewards cards only offer 4mpd for online purchases at Harvey Norman, which cannot be combined with KrisPay earn. UOB Visa Signature and UOB PPV 4mpd earn rates are only for Visa PayWave transactions, which we understand are not supported by Harvey Norman stores (let us know in the comments section below if that’s not the case).
How KrisPay earn works
Remember we never recommend using KrisPay miles to pay for goods or services through the KrisPay app, it’s only earning miles which is a good value proposition. We explain how it works in our article from March last year, when earning miles through the KrisPay app was first launched.
In essence:
- You’ll earn miles through KrisPay regardless of the payment method, simply key in the total amount and the merchant will scan the QR code from your phone and approve the miles credit.
- You pay the merchant directly using cash, a credit card or debit card. KrisPay does not handle the transaction in any way. That means you can double-dip by earning KrisPay miles (which convert 1:1 into KrisFlyer) and your usual credit card miles at the same time.
Earned KrisPay miles can be transferred to your KrisFlyer account within 7 days of earning the miles. To do so, simply tap on the “Transfer to KrisFlyer” button which will appear on the miles earned confirmation screen or transaction details screen.
KrisPay miles earned per transaction can only be transferred to your account in their entirety. If you earned 100 KrisPay miles from a single transaction, the full 100 KrisPay miles must be transferred to your KrisFlyer account. If you have already spent some of your KrisPay miles earned, a partial transfer option is not available.
We therefore recommend transferring to KrisFlyer immediately following any earning transaction, in case you either forget or make a mistake later.
You don’t want to be using KrisPay miles as a payment method later, as this represents very poor value.
KrisPay app
If you haven’t got it yet, you can download the KrisPay mobile app at the following links. Remember only use it to earn miles, never be tempted to spend your KrisPay miles at any merchant.
Summary
Last year KrisPay offered up to 6 miles per dollar at its partner coffee and tea outlets throughout November, which was the best deal we’d seen for earning extra miles through the app if you could take advantage.
There haven’t been many other offers worth writing about in the meantime, but with Harvey Norman specialising in some often rather high ticket items like computers and electrical goods this tripling of the usual KrisPay earn rate to an equivalent of 1 mile per dollar is potentially a nice boost over and above your usual credit card points.
Combined with up to 1.5 miles per dollar using a typical general spend credit card it’s good for up to 2.5 miles per dollar in total from the transaction, or 5 miles per dollar when stacked with the OCBC Titanium Rewards card – an excellent return!
Remember as always to transfer any KrisPay miles earned in their entirety straight to your KrisFlyer account.
(Cover Photo: Harvey Norman)