BOC SmartSaver

[Trazora]

According to this fee schedule there are a variety of GIRO-related charges. Is this really saying that BOC collects $20 per salary deposit (for example)?

I use GIRO for income tax instalment and use GIRO to transfer funds to another bank account, no fees for both.

 

[kitkat2]

Can consider maybank saveup.

you people's monthly income tax is $1000 and above?

 

[Trazora]

you people's monthly income tax is $1000 and above?

Why this question?

 

[kitkat2]

Why this question?

uh..ok..was reading the saveup webpage..the income tax payment part is just an additional reward. i guess not many go after this reward

 

[S1mpleGuy]

Gosh, how did I missed this one?!!
Seems like I can qualify for all 3 and achieve 2.75% + base.

With BOC, I could only get 1.95% + base

Saveup might not be better than boc even if the interest is higher.. if the bulk of your spending is on dining, boc is still a better choice in terms of total rebates including cc rebates..

 

[amihe]

uh..ok..was reading the saveup webpage..the income tax payment part is just an additional reward. i guess not many go after this reward

I'll be opening an acct on Tuesday. Will do salary crediting, $500 card spend and giro $300. Seems straight forward like BOC used to be(until dec 1st).

 

[FrontierX]

Saveup might not be better than boc even if the interest is higher.. if the bulk of your spending is on dining, boc is still a better choice in terms of total rebates including cc rebates..

true this

i am very impressed with boc card qualification for 7% dining. im getting easily 50$ a month rebates based on this.

really can be any eatery and they DO NOT ROUND DOWN any one cent of their rebates.

they just aggregate and giv u the full sum, not so sneaky lke ANZ where they do round down for every single transaction.

 

[xXxJavierxXx]

Does spending use atm card count towards total spending? I'm not referring to debit master. Just retail spend using atm.

 

[Trazora]

Does spending use atm card count towards total spending? I'm not referring to debit master. Just retail spend using atm.

BOC dun have nets. Only credit/debit card spending counts anyway.

 

[amihe]

Saveup might not be better than boc even if the interest is higher.. if the bulk of your spending is on dining, boc is still a better choice in terms of total rebates including cc rebates..

True, true.

On hindsight I should close my SC B$.
That one I could only qualify for 2.03 + base.
With SC, we could only use the B$ card am I right?
That card doesn't give any perks or rebates ya?

 

[Trazora]

True, true.

On hindsight I should close my SC B$.
That one I could only qualify for 2.03 + base.
With SC, we could only use the B$ card am I right?
That card doesn't give any perks or rebates ya?

Ya, SCB bonus$aver is not attractive

 

[amihe]

true this

i am very impressed with boc card qualification for 7% dining. im getting easily 50$ a month rebates based on this.

really can be any eatery and they DO NOT ROUND DOWN any one cent of their rebates.

they just aggregate and giv u the full sum, not so sneaky lke ANZ where they do round down for every single transaction.

I see, in that case I will just keep this card for dinning and grocery. Will probably call them tmr to confirm if e-axs(SP bills $300+) will count towards card spend, otherwise quite hard to meet as I don't dine out alot. But groceries about $300+ mthly.

The MayBank one, I hope would be able to do Town council recurring credit card payment, that $270+ would help greatly. Should be good to keep both. For salary, HR is friendly so no issues.

Thanks for pointing that out.

 

[amihe]

Ya, SCB bonus$aver is not attractive

I'm awaiting to read shiny's book and then transfer the 100k into their trading acct and close B$. Until I finish the book, I'll leave the funds there a little longer since I got their $188 already. Don't feel good abt closing it so soon after receiving the welcome gift.

 

[benlau1]

I see, in that case I will just keep this card for dinning and grocery. Will probably call them tmr to confirm if e-axs(SP bills $300+) will count towards card spend, otherwise quite hard to meet as I don't dine out alot. But groceries about $300+ mthly.

The MayBank one, I hope would be able to do Town council recurring credit card payment, that $270+ would help greatly. Should be good to keep both. For salary, HR is friendly so no issues.

Thanks for pointing that out.

No need to call BOC. Not possible to use BOC family card for e-AXS.

 

[fortunecat]

No need to call BOC. Not possible to use BOC family card for e-AXS.

I found AXS cannot accept Visa right? Only Mastercard.

Sent from G4 again using GAGT

 

[amihe]

I found AXS cannot accept Visa right? Only Mastercard.

Sent from G4 again using GAGT

Yes, I don't mind missing out on the rebate. I will be using Masterpass.

 

[Trazora]

Yes, I don't mind missing out on the rebate. I will be using Masterpass.

Can only use mastercard on eAXS, regardless masterpass or not.

 

[leogeo]

true this

i am very impressed with boc card qualification for 7% dining. im getting easily 50$ a month rebates based on this.

really can be any eatery and they DO NOT ROUND DOWN any one cent of their rebates.

they just aggregate and giv u the full sum, not so sneaky lke ANZ where they do round down for every single transaction.

just note that eateries within hotels are usually not counted. e.g. Froth Cafe in Ascott Hotel.

I wonder whether Imperial Treasure in Crowne Plaza Changi will get you the rebate, since Imperial Treasure should have the MCC code under Dining

 

[chopra]

For orochris there are better options come 1 dec.

On 1dec, 1.9% for salary credit+3bill payment is still the best

 

[Joseph99]

hi .. does any1 knows if we pay on e-axs debit card . is there rebate of 0.1% ? TIA.