BOC SmartSaver

[happykapy]

Reduction in interest this month

Hi guys,
how come this month i noticed my interest is lower than previous month.

Spending and bill payment were all above the limits...

Anyone encountered before?

 

[little pupsky]

February is a short month. Interest from that month (paid in March) will be lower.

Hi guys,
how come this month i noticed my interest is lower than previous month.

Spending and bill payment were all above the limits...

Anyone encountered before?

 

[little pupsky]

Hey guys, need a clarification: if I top-up my NETS flashpay using BOC credit card, does it count towards the 500 min spend for bonus interest?

Some say yes, some say no leh..

 

[znltan]

Hey guys, need a clarification: if I top-up my NETS flashpay using BOC credit card, does it count towards the 500 min spend for bonus interest?

Some say yes, some say no leh..

BOC Family credit Card 4x ATU Nets flashpay (Family card itself is also a Nets flashpay card) does count towards $500 minimum spend for bonus interest and 5% cash back on Family credit card if the same is met for Family credit card spend in a calendar month.

Sent from 瑞特斯波德 using GAGT

 

[little pupsky]

Great!
I'm thinking of topping up my flashpay card for the car IU using the BOC Family card. Definitely can't be putting the BOC card into the car IU haha

BOC Family credit Card 4x ATU Nets flashpay (Family card itself is also a Nets flashpay card) does count towards $500 minimum spend for bonus interest and 5% cash back on Family credit card if the same is met for Family credit card spend in a calendar month.

 

[gnooliew]

Great!
I'm thinking of topping up my flashpay card for the car IU using the BOC Family card. Definitely can't be putting the BOC card into the car IU haha

I think its only for atu into the family card only. Manual top up using the family card into another card shouls be no count

 

[Trazora]

I think its only for atu into the family card only. Manual top up using the family card into another card shouls be no count

Lol. Don't mix up tnc for rebate on family card with tnc for bonus interest.

 

[little pupsky]

So Trazora, if I use family card to top up another nets flashpay card, it counts towards bonus interest, correct?
And while it counts towards bonus interest, such top-ups do not count towards cash rebates? (This seems like what the poster below is saying...)
Only ATUs to the family card for flashpay qualifies for rebates (and interest bonus), and only the first 4x per month. Correct?

Lol. Don't mix up tnc for rebate on family card with tnc for bonus interest.

 

[gnooliew]

So Trazora, if I use family card to top up another nets flashpay card, it counts towards bonus interest, correct?
And while it counts towards bonus interest, such top-ups do not count towards cash rebates? (This seems like what the poster below is saying...)
Only ATUs to the family card for flashpay qualifies for rebates (and interest bonus), and only the first 4x per month. Correct?

I am not sure what Trazora is talking about, but looking at the flashpay ATU registration again, seems like similar to ezlink ATU, u can delink the flashpay with the credit card, i.e. u can register for ATU to another flashpay CAN but charged to your BOC family card to get the 5% for up to 4 ATUs since u need to key in the credit card number and the flashpay card CAN separately

 

[Trazora]

So Trazora, if I use family card to top up another nets flashpay card, it counts towards bonus interest, correct?
And while it counts towards bonus interest, such top-ups do not count towards cash rebates? (This seems like what the poster below is saying...)
Only ATUs to the family card for flashpay qualifies for rebates (and interest bonus), and only the first 4x per month. Correct?

Yes.

The following transactions do not qualify for the card spend bonus interest:

Cash withdrawal
Fees or charges
Funds transfer or cash advance
Transactions on BOC Cards that are terminated or unsuccessful
The unposted amounts under Installment Payment Plan (“IPP”) and Flexi-Balance transactions
Any amount charged to your BOC Debit or Credit Cards that is subsequently cancelled, voided or reversed
AXS payments (transactions via all AXS channels, including AXS station, AXS e-station, AXS m-station, etc.)
Any other transactions BOC may determine as not eligible for Card Spend bonus from time to time without prior notice.

Nets flashpay clearly not excluded. But of course better to make use of the 4x $50 ATU to earn 5% family rebate also. Can atu to other nets flashpay card.

 

[little pupsky]

Awesome, thanks! You are the authority on BOC smart saver and family cards, even their customer service can't answer some of these questions with any consistency and clarity

Yes.

The following transactions do not qualify for the card spend bonus interest:

Cash withdrawal
Fees or charges
Funds transfer or cash advance
Transactions on BOC Cards that are terminated or unsuccessful
The unposted amounts under Installment Payment Plan (“IPP”) and Flexi-Balance transactions
Any amount charged to your BOC Debit or Credit Cards that is subsequently cancelled, voided or reversed
AXS payments (transactions via all AXS channels, including AXS station, AXS e-station, AXS m-station, etc.)
Any other transactions BOC may determine as not eligible for Card Spend bonus from time to time without prior notice.

Nets flashpay clearly not excluded. But of course better to make use of the 4x $50 ATU to earn 5% family rebate also. Can atu to other nets flashpay card.

 

[tiertime]

Does paying for the HDB Season Parking at the HDB website (using the BOC Debit card) count towards the Bonus interest?

 

[Squaredot]

Hey guys, need a clarification: if I top-up my NETS flashpay using BOC credit card, does it count towards the 500 min spend for bonus interest?

Some say yes, some say no leh..

paisay i tumpang a similar question.

If I use debit card to top up flashpay, counted for bonus spend interest??
gg to transfer in $$ after many months... any bro can confirm for me? Thanks!

 

[Squaredot]

Don't think it is true that top up via GTM is not eligible for card spend bonus interest requirement, as nothing in the TnC says so. IRRC I got the bonus interest for my GTM top up in Jan.

· 4.1.2 The following are examples of transactions that will not be eligible: a) cash withdrawal transactions arising from the use of any BOC Debit Card and/or Credit Card as an ATM card; b) payment of fees and charges including annual fees, late payment fees, finance charges, cash advance fees, interest charges and all other miscellaneous fees and charges; c) funds transfer and cash advance; d) transactions on BOC Debit Cards and/or Credit Cards that are terminated at any time for any reason, whether by the cardmember or the Bank; e) unposted amounts under IPP and Flexi-Balance transactions; f) any amount charged to the BOC Debit Cards and/or Credit Cards that is subsequently cancelled, voided or reversed. The amount will be deducted from the total amount of retail transactions in the month that it is cancelled, voided or reversed; and g) all other transactions as BOC may determine from time to time without prior notice.

Means can ?

 

[Trazora]

Does paying for the HDB Season Parking at the HDB website (using the BOC Debit card) count towards the Bonus interest?

The following transactions do not qualify for the card spend bonus interest:

Cash withdrawal
Fees or charges
Funds transfer or cash advance
Transactions on BOC Cards that are terminated or unsuccessful
The unposted amounts under Installment Payment Plan (“IPP”) and Flexi-Balance transactions
Any amount charged to your BOC Debit or Credit Cards that is subsequently cancelled, voided or reversed
AXS payments (transactions via all AXS channels, including AXS station, AXS e-station, AXS m-station, etc.)
Any other transactions BOC may determine as not eligible for Card Spend bonus from time to time without prior notice.

So you got your answer?

 

[Trazora]

Means can ?

Yes. But why debit card? No credit card?

 

[Squaredot]

Yes. But why debit card? No credit card?

no credit card

 

[orange_sky]

Axs payment using debit card used to qualify for payment interest bonus but not since March. I realise I didn't receive. Looks like I'm going to bail on BOC for good.

What are the other alternative at the moment? I already have ocbc 360. Not sure if I can maintain the cc spending for uob one as I use mostly cimb visa signature (10% rebate)

 

[tiertime]

The following transactions do not qualify for the card spend bonus interest:

Cash withdrawal
Fees or charges
Funds transfer or cash advance
Transactions on BOC Cards that are terminated or unsuccessful
The unposted amounts under Installment Payment Plan (“IPP”) and Flexi-Balance transactions
Any amount charged to your BOC Debit or Credit Cards that is subsequently cancelled, voided or reversed
AXS payments (transactions via all AXS channels, including AXS station, AXS e-station, AXS m-station, etc.)
Any other transactions BOC may determine as not eligible for Card Spend bonus from time to time without prior notice.

So you got your answer?

i called the BOC hotline and the CSO told me if i pay through HDB website for season parking then got count towards... i paid yesterday liao....

 

[Allen_C_Sharp]

Axs payment using debit card used to qualify for payment interest bonus but not since March. I realise I didn't receive. Looks like I'm going to bail on BOC for good.

What are the other alternative at the moment? I already have ocbc 360. Not sure if I can maintain the cc spending for uob one as I use mostly cimb visa signature (10% rebate)

Axs not eligible since last year Dec if I remember correctly...
March bonus interest not in yet, 360 revised benefits since Apr, no point continue using it..
Maybe shift ur spending from CIMB to boc family target $100 cashback and $170+ interest per month?