I’m about to fly AIR SERBIA (operated by Etihad) and Thai Airways and wonder if I would be best to maximise points by joining each individual FF program or will I be ok using my Virgin Velocity or South African Airways one? Many thanks in advance guys 
Hi,
Personally speaking, if you are going to rarely fly these airlines or their partner/alliance airlines in the future, best to consolidate your points. 5/10k in 10 different FF program is not as useful as 50/100k in 1.
Check wheretocredit.com too.