BOC SmartSaver

[flikmy]

I think uob one account fits the bill. 3 GIRO payments instead of GIRO Salary credit.

Why not BOC's account itself?
Doesn't it give the highest interest even without salary crediting?

 

[Trazora]

Why not BOC's account itself?
Doesn't it give the highest interest even without salary crediting?

No. Without salary crediting, BOC at best 2.35%, need $1500 card spend. Uob one 2.43%, need $500 card spend.

 

[nomoreliaola]

hihi maybe can help me out?
1. no credit income (cos i using dbs multiplier which max @ 50k)
2. can use 500-1k credit card bill.
3. giro (if needed, then prob can activate 1-2/mth)
4. base deposit of 50k ?

which do u recommend? thanks

 

[Trazora]

hihi maybe can help me out?
1. no credit income (cos i using dbs multiplier which max @ 50k)
2. can use 500-1k credit card bill.
3. giro (if needed, then prob can activate 1-2/mth)
4. base deposit of 50k ?

which do u recommend? thanks

Probably uob one, but need min 3 giro.

 

[nomoreliaola]

Probably uob one, but need min 3 giro.

wa u also think so

Sent from Samsung SM-N910G using GAGT

 

[flikmy]

No. Without salary crediting, BOC at best 2.35%, need $1500 card spend. Uob one 2.43%, need $500 card spend.

Thanks Trazora. Didn't realize that.

Only benefit with BOC is that the special interest is for up to 60k and above 60k, you're still getting 1% on additional balances. For UOB one, anything above 50k will get only 0.05%.

There are differences between the BOC family card and UOB One to figure out as well.

 

[Trazora]

Thanks Trazora. Didn't realize that.

Only benefit with BOC is that the special interest is for up to 60k and above 60k, you're still getting 1% on additional balances. For UOB one, anything above 50k will get only 0.05%.

There are differences between the BOC family card and UOB One to figure out as well.

Yea need to compare the expected interest+rebate

 

[jjonghae]

anyone checked if their rebates from the family cc are aligned to what you spent on? I spent $200+ on dining and other expenses as well, but based on my statement, the rebate was only $1.59

 

[mrwirus]

anyone checked if their rebates from the family cc are aligned to what you spent on? I spent $200+ on dining and other expenses as well, but based on my statement, the rebate was only $1.59

I do check.. but there's nothing they will do even if u dispute.. Cos everything is given based on merchant code..

Do note that u need to spend $500 minimum every month and for online purchases, the extra 4.5% will be given at a later date.

 

[hyperbole]

anyone checked if their rebates from the family cc are aligned to what you spent on? I spent $200+ on dining and other expenses as well, but based on my statement, the rebate was only $1.59

Did you spend 500 in one statement cycle?

 

[jjonghae]

Did you spend 500 in one statement cycle?

I've a $500+ Monthly instalment on the card....maybe it doesn't count into min $500 spend haix

 

[hyperbole]

I've a $500+ Monthly instalment on the card....maybe it doesn't count into min $500 spend haix

Installments are excluded

 

[tiertime]

Got free money again... Today at 3am received $1+ from Smart saver for dunno what

 

[hyperbole]

Got free money again... Today at 3am received $1+ from Smart saver for dunno what

Not cashback from debit card usage?

 

[Trazora]

Got free money again... Today at 3am received $1+ from Smart saver for dunno what

What is the transaction description?

 

[pcmdan]

Likely debit card transactions.

I spent $8.69k recieved $8.69

so is very likely to be

 

[tiertime]

Not cashback from debit card usage?

i think no leh... cozz i used the debit card $500 my account in April.... when should i be getting my bonus interest?

 

[tiertime]

What is the transaction description?

3.05 am received :
Inward Transfer

 

[hyperbole]

i think no leh... cozz i used the debit card $500 my account in April.... when should i be getting my bonus interest?

You get the cashback on first of the month and the bonus interest later

 

[tiertime]

You get the cashback on first of the month and the bonus interest later

Cashback only $1+ for retail spending of $500?