My Credit Card Spending and Rebate 2016



So far since the beginning of my 'credit card journey', I have saved thousands of dollars. From sign up cash rebates, online prepaid top ups rebates to credit cards cash rebates themselves, these helped me reduce my day to day expenses quite substantially.


First it was the Amex Imagine prepaid top up card. I have ten of those card(5 under my name and 5 under my wife's name. If you were to use an online rebate card to top up $72 in each card and spend them all to buy ntuc vouchers, you will get 14% rebate. 7% for spending $72 on the imagine amex card itself and another 7% from the online credit card top up. Not to mention, I have been using this card to take the train which gives me an effective rebate of 9%(online credit card rebate plus Imagine Amex ATU 2% rebate) Sadly, after using it for quite awhile now, the Amex imagine card will be discontinued from April 15th onward. Can click here to view the announcement.

Here are some of the crucial cards that are in my wallet now post Imagine Amex:


As I have mentioned previously, I have been crediting my salary to BOC Smartsaver, but I have not been using their cards(You don't need to use their credit cards to get the full 3.55%), because I have been using their Great Wall debit card to pay my other credit card bills. With the new and revised BOC Family Card which gives 7% rebate to dinning and 5% rebate to Nets FlashPay ATU, I will be using this card on April 17th onward and will most likely pay $20 for their new ATU version. Do note that a maximum of four ATUs will be awarded the 5% rebate and the spending from ATU is counted in the $500 min spending.


There is also the newly revised DBS live card. DBS has reduced the rebate to 5% and 3x DBS reward points with min spending of $700 online. Even though it is not as good as their previous promotion, paying using pay wave is counted to the 5% rebate and 3x DBS points this time. I could use this to buy $700 dollars of ntuc vouchers every month to get 5% rebate + 3x DBS points. Pay wave max one time spending is $100, so you can ask the staff to tap 7 times. If you use the 3x DBS point to exchange for ntuc vouchers you will effectively get close to 6% rebate(Similar to the M1 prepaid/fevo online credit card top up method). Full tnc here.


ANZ Optimium I will continue to choose the 5% rebate for grocery category and use it to pay the excess after using the ntuc vouchers. It is a good way to maximize the vouchers as this card do not have min spending.


I have also applied to be an ntuc member which has given me even more rebates. The membership fee is $117 p.a. I mainly just swipe the membership card for link points(1.33% rebate) and to get my 4% yearly rebate. Which means I still pay using either ANZ optimum or ntuc vouchers. That is almost close to 12%(excluding the membership fee). Previously with Imagine Amex prepaid cards, I have been getting almost 20% rebate!


The new BOC Shop and UOB One tnc have excluded prepaid top up for their rebate so I will not be using them much. I have CIMB infinite and World MasterCard to make sure my lowest rebate for all credit card spending will always be 1%. They are free for life so its good to have them in your wallet. They are good for big emergency spending.


SCB Singpost visa credit card will be my main online card as it gives 7% rebate with $600 min spending cap at $60. So far the highest rebate for online spending. Which means you can use this card to pay for your telecommunication bills directly online to get 7% rebate. I will go into more detail on how to get max rebates from paying utilities and other monthly miscellaneous payments in my future post.

The most important thing to remember is to always keep track of your spending and make sure its as efficient as possible. For me, majority of my expenses are on ntuc groceries, weekend dinning and telecommunication bills. Also make sure you pay all your credit cards on settlement date. If you have too many cards and cant remember, you can try to giro them.

58 comments :

  1. Hi. Can i check how do you pay your credit card bills using the boc debit card? Thanks.

    ReplyDelete
    Replies
    1. Hi Ryan can read the comment section of this post: http://scg8866tstockinvesting.blogspot.sg/2016/03/boc-355-smart-saver-update-and-tips.html?m=1

      Delete
    2. Thank you very much.

      Delete
    3. Hello, My name is Amara Carr from Florida. I just feel like saying this to people who really want a Blank Atm Card. There is this new way of making money with a particular ATM Card called the Blank ATM card. I got one through the help of a hacking group called MEYER TRAVIS ATM HACKERS. This Blank ATM card is programmed to malfunction any ATM machine and CCTV cameras. Thereby allowing you to withdraw up to $ 10,000 daily from any ATM machine all over the world. So far i have being able to withdraw $ 600,000.00 from several ATM machines. Thought it is illegal, there's no risk of being caught. For those of us in need of financial stability, you can get more information about this Blank ATM card by contacting MEYER Travis Curtis ATM HACKERS now on their email: Atmhackers@aol.com. I got this Blank ATM card at a very unexpected low rate.Email them they we tell you more about it and also how much it cost for you to get it. or text +1 402 892 2486 And they also give out loan of 2 %.

      Delete
    4. PLEASE READ!!!!
      Hello Guys,i am a living testimony of this great work ,This is a Life Time transformation !!!Am so happy I got mine from Annie. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Annie because i met two people before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie's email address is anniemellor233@yahoo.com...,

      Delete
    5. GET YOUR BLANK ATM CARD AND BE RICH FOREVER EMAIL: DICKSONBLANKATMHACKER@GMAIL.COM

      Alicia Orlando by name from USA.. i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Dickson. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Dickson because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Dickson sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: dicksonblankatmhacker@gmail.com and make your purchase immediately.

      Delete
  2. Hey, ntuc voucher is consider as ntuc voucher as well ?

    ReplyDelete
    Replies
    1. Hey, ntuc voucher is consider as grocery purchase as well ? **
      Sorry typo.

      Delete
    2. Hi, yes if you buy in ntuc itself.

      Delete
    3. Thank you very much. How about great wall international debit card to pay credit card bills , any positive reward?

      Delete
    4. Yes you get a 0.1% cash rebate for paying your other credit cards.

      Delete
  3. Hi,

    I just got a BOC smart saver account too.
    How do you pay other credit card bills with your BOC debit card?

    ReplyDelete
  4. Think I found the answer, using axs. If u have other avenues, pls share :)

    ReplyDelete
    Replies
    1. http://scg8866tstockinvesting.blogspot.sg/2016/03/boc-355-smart-saver-update-and-tips.html?m=1Yes please do check my previous post on BOC smartsaver. Under the comment section here:

      Delete
  5. Hi there, I visited BOC website but there's nothing mentioned about the Family Card's dining rebate at all?
    In terms of dining, isn't CIMB visa signature 10% rebate a better deal ?

    ReplyDelete
    Replies
    1. Hi, you can go to this link: http://mp.weixin.qq.com/s?__biz=MzA5MjEwMTA4Mw==&mid=401459137&idx=1&sn=6a984dd8298ed6c090bcf976f90b5bc4#rd

      Cimb visa signature is not efficient you need to spend a min number of times and each time its capped at a small amt, it also doesnt synergize with a savings acct like boc.

      Delete
  6. Hi, the min spend for Singpost credit card is $600 instead of $500 as mentioned. Thanks for sharing your tips on maximizing credit card rebates!

    ReplyDelete
    Replies
    1. Thanks for the correction! Corrected :)

      Delete
  7. Hi Hayden,

    Thanks for the. Summary of credit cards. It's really good.

    Just few observations:

    1) you said you buy ntuc vouchers using Amex imagine and DBS live fresh. I imagine you have to spend a lot at ntuc. For me I do spend a lot but at most 300-400$ a month. But good information on the two cards; I wasn't aware.

    2) you said you use cimb infinite and world MasterCard for minimum 1%. Actually anz optimum card gives 1% rebate already. So don't need to bring out so many cards in wallet

    3) is it worth it to get the ntuc plus card considering you need to pay for membership? How did you calculate 12% rebate? Do you need to spend a certain amount at ntuc per year to get 12%? Also as compared to Ocbc plus card isn't Ocbc plus card good or better as there is no member ship fee to pay..

    4) also you said that you would use boc family card from April 17 onwards, I was thinking of using the Ocbc 365 card instead as it also gives 0.5% on the 360 account on max 50k. Isn't it a better option since can earn more interest on 360 account?

    Anyway these are my thoughts. Hope that you can reply. Thanks :)

    ReplyDelete
    Replies
    1. Hi Cheryl

      1) yes those two were the best combo.

      2) cimb infinite is free for life and you dont need to get min $50 before u can claim(like anz optimum). Anz optimnum has a max cap spending and they always round down. Cimb infinite has no cap, no exclusions and no need to worry about annuel fee.

      3) Dont get the plus card its bad. You need $500 outside spending to get the rebate if i remember correctly. Be ntuc member is better they give u a few ntuc shares which gives you 4% rebate per annum for all spending on top of the rebate u get from yoir credit cards and link points.

      4) im using BOC smartsaver acct which gives 3.55% for 60k it beats ocbc 360 hands down. I have cancelled my ocbc 360 acct since their frank card is useless now. Boc now has better cards and a better savings acct. to consider to switch to it.

      Np:)

      Delete
    2. Hi Hayden thanks for your reply! So even with membership fee it is still worth it to get the ntuc plus card? That is provided the spending at ntuc is a lot so that the points gotten can more than offset the membership fee. Also what is the full name of the card? Its nebo plus! Or ntuc plus! That gives the 1.33% plus 4% rebate?

      Delete
    3. Buying of NTUC vouchers will not be given linkpoints IIRC.

      Delete
  8. Hi Cheryl, np. Its NTUC plus without the visa. Dont pay with it only use it to swipe for the link point and for them to detect your spending so that they can give you a 4% rebate by the end of the year. Cheers!

    ReplyDelete
  9. Hi Hayden I got one more question.. The boc family card must spend 500$ within the calendar month? Coz it's effective from 17 April..

    ReplyDelete
    Replies
    1. Yes if you want to get the BOC smart saver bonus interest. But the 7% rebate is within your cards statement month. If you think you dont have enough time, just go ntuc and buy vouchers.

      Delete
  10. Hi Hayden! I am planning to use the scb signpost card to make a online purchase transaction for hotel accommodation via hotel website. Do u know if that qualifies for 7% rebate?

    ReplyDelete
    Replies
    1. Hi, I used the Singpost card and made a payment online via the agoda website last month. The cash rebate that I received subsequently did not include that for the agoda booking. I called in to SCB customer service hotline and they confirmed the transaction as a valid online payment. They credited the short fall in cash rebate within a few days. Hope this helps.

      Delete
  11. Oh thank you anonymous!! I am not sure what online transactions would qualify. Tried searching the scb website but not much information.

    ReplyDelete
  12. Hi Hayden, my monthly spending is only $300 - $400 and salary $2,500, which credit card and saving account do you recommend?

    ReplyDelete
    Replies
    1. If you cant hit the $500 spending, can consider CIMB Fast Saver. It gives 1% interest plain and simple. Cap at 60k. Credit card can consider world woman mastercard or anz optimum.

      Delete
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    ReplyDelete
  15. Hi Hayden,

    do you happen to have any idea whether season carpark fees payment through HDB website is eligible for the 7% rebate for scb singpost card? Try searching and even checking with scb customer svs, but they can't advise.

    Regards,
    Ong

    ReplyDelete
  16. Currently, which are the credit cards which still recognize prepaid FEVO/M1 card topup as an online transaction that qualifies for the cashback/benefits? Singpost and DBS Live Fresh?

    ReplyDelete
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    ReplyDelete
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  25. Hello Hayden. What cards get the cashback rebate for topping up Fevo?

    ReplyDelete

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  38. After too many disappointments with hackers. O my God i still can believe the world still have legit hackers like this out there. i came across Sabina Roman’s post on a blog where she talked about a hacker whom helped her out with a bank hack so I contacted him to see if its truth because of my experience with some hackers that I had to stop looking for a hacker until I saw the post and I decided to try for the last time. its actually impossible to put in words how much of a Genius he is and also can't stop thanking him for helping me through my divorce case because I needed to hack into my husband’s telephone to get some proof before going for the bank hacking .Jonny Belter is a Black-hat hacker and very capable of any type of hack in the hacking world as they call it. He is actually one of the best out there and also very good to understand what so ever you are going through, in my own case the money wasn't the problem and i can gladly say every money spent was so worth it. I made a promise to him that I must tell the world of his good works and if you are interested in any type of hacking jobs you can contact him through his email hackwithjonny-AT-gmail-DOT-com and please tell him Amanda Josh told you about his good works and I keep saying thank you Jonny belter and God bless you for everything.

    ReplyDelete
  39. After too many disappointments with hackers. O my God i still can believe the world still have legit hackers like this out there. i came across Sabina Roman’s post on a blog where she talked about a hacker whom helped her out with a bank hack so I contacted him to see if its truth because of my experience with some hackers that I had to stop looking for a hacker until I saw the post and I decided to try for the last time. its actually impossible to put in words how much of a Genius he is and also can't stop thanking him for helping me through my divorce case because I needed to hack into my husband’s telephone to get some proof before going for the bank hacking .Jonny Belter is a Black-hat hacker and very capable of any type of hack in the hacking world as they call it. He is actually one of the best out there and also very good to understand what so ever you are going through, in my own case the money wasn't the problem and i can gladly say every money spent was so worth it. I made a promise to him that I must tell the world of his good works and if you are interested in any type of hacking jobs you can contact him through his email hackwithjonny-AT-gmail-DOT-com and please tell him Amanda Josh told you about his good works and I keep saying thank you Jonny belter and God bless you for everything.

    ReplyDelete
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