BOC SmartSaver

[ekardo]

4.6% is on top tier? Or is overall?
The salary , can we FAST it in ourselves? Or must be from a company ?

Think cannot fast in ourselves.

 

[ahnyaahnya]

Think cannot fast in ourselves.

The banks don't want the money of non salaried persons. Self employed, retirees , etc money is dirty to the banks

 

[FlyGuardX]

After contact Grab helpdesk for failed adding BOC debit card, they responded for me to contact the bank. Its nerfed for sure on this one.

hi bro, did you manage to get it work in the end?

 

[ekardo]

hardly used the hard token since the last time I replaced as the token had display issue. Today changed phone and trying to set up the boc app and token ran low on batt, got display but when press on OTP, the display blanked out.

have to make another trip to BOC bank… sian.

 

[Cumzilla]

hardly used the hard token since the last time I replaced as the token had display issue. Today changed phone and trying to set up the boc app and token ran low on batt, got display but when press on OTP, the display blanked out.

have to make another trip to BOC bank… sian.

Even if the battery doesn't run out, you will be informed to replace by the app, if not after 90 days cannot use liao...was informed recently and LL had to go down to the counter to replace...

 

[ekardo]

Even if the battery doesn't run out, you will be informed to replace by the app, if not after 90 days cannot use liao...was informed recently and LL had to go down to the counter to replace...

must use every 90 days ?

 

[Cumzilla]

must use every 90 days ?

no, i was informed to replace within 90 days...

 

[ekardo]

no, i was informed to replace within 90 days...

oh, i didnt get any warning in app to replace my hard token...

wondering if I should use this chance to terminate my BOC....

although 4.2% (with 3 criteria) looks better than OCBC for 1st 80k

 

[Cumzilla]

oh, i didnt get any warning in app to replace my hard token...

wondering if I should use this chance to terminate my BOC....

although 4.2% (with 3 criteria) looks better than OCBC for 1st 80k

why 80k? not able to acheive 4.2, the most I can get is 3.6+0.3%...

 

[ekardo]

the interest is for first 80k right ?

used to be 60k

 

[Cumzilla]

the interest is for first 80k right ?

used to be 60k

already 100K

https://www.bankofchina.com/sg/pbservice/pb1/202212/t20221230_22348761.html

 

[ekardo]

already 100K

https://www.bankofchina.com/sg/pbservice/pb1/202212/t20221230_22348761.html

oops..means I have to revisit the family card rebates also...

 

[Cumzilla]

oops..means I have to revisit the family card rebates also...

I use debit card to clock, as u can see, quite easy to achieve. Used to have family card, but hard to hit $800 per month and what I remember then was unable to waive annual fee or need to spend certain amount to waive, so I cancelled the card...

 

[vsvs24]

oops..means I have to revisit the family card rebates also...

I use debit card to clock, as u can see, quite easy to achieve. Used to have family card, but hard to hit $800 per month and what I remember then was unable to waive annual fee or need to spend certain amount to waive, so I cancelled the card...

So far they waive annual fee for me.

BOC Family card is suitable for my spending. 10% for dining. And gives lower rebate for online and simplygo.

 

[ekardo]

So far they waive annual fee for me.

BOC Family card is suitable for my spending. 10% for dining. And gives lower rebate for online and simplygo.

10% for dining, but $25 cap..so spending $250 and hit cap liao..

what else to spend for $550 sia...

 

[ekardo]

I use debit card to clock, as u can see, quite easy to achieve. Used to have family card, but hard to hit $800 per month and what I remember then was unable to waive annual fee or need to spend certain amount to waive, so I cancelled the card...

debit card have no benefit?

I was able to waived during the old pre-covid days... but I have stopped using since OCBC/UOB up their interest to 4.6/5%. guess I will be charged with annual fee for my BOC family card soon..

 

[Cumzilla]

debit card have no benefit?

I was able to waived during the old pre-covid days... but I have stopped using since OCBC/UOB up their interest to 4.6/5%. guess I will be charged with annual fee for my BOC family card soon..

if just to topup, then no need benefits, other than that, use for payment of other credit card bills via AXS (0.1% rebates?). UOB One is my main card, OCBC 365 secondary, dun want to use too many cards, no point spend more just for the sake of getting interest...

 

[ekardo]

if just to topup, then no need benefits, other than that, use for payment of other credit card bills via AXS (0.1% rebates?). UOB One is my main card, OCBC 365 secondary, dun want to use too many cards, no point spend more just for the sake of getting interest...

U mean using credit card to top up, or pay other credit card qualify for minimum spending? I didn’t know that.
But not many credit card allows u to use another credit card to pay right?

 

[Cumzilla]

U mean using credit card to top up, or pay other credit card qualify for minimum spending? I didn’t know that.
But not many credit card allows u to use another credit card to pay right?

top up wallet ok, AXS not ok, u can see under exclusions...

 

[FlyGuardX]

After contact Grab helpdesk for failed adding BOC debit card, they responded for me to contact the bank. Its nerfed for sure on this one.

strange my boc debit card got auto removed from list of cards. now also cannot get back.