CardUp (Do not post or ask for referral code)

[shpesft]

Ah ok. Thanks! Understood. Rent is about 650/mth. So I will still earn even if I solely use the BOC card for cardup transactions with 5% rebate on 600.

I thought I would be able to use cardup to hit 600/mth on OCBC credit cards to get additional 0.3% interest on 360 account. But not worth with the 2.6% service fee.

If you're looking at combination of Savings Account with Credit Card spend/CardUp for rebates, you should consider either:

1. BOC Smart Saver + BOC Family Credit card:
-If you satisfy the BOC Smart Saver requirements, the interest can be max 3.55% up to first $60,000

2. UOB One account + UOB One Credit card:
-You can get max 2.43% interest for the first $50,000

If possible, you can get both accounts since UOB One account doesn't use Salary credit as an absolute requirement to hit the higher bonus interest.

Both credit cards give 5% rebates for CardUp with some conditions:
- BOC Family CC: Maximum of $600 per statement month for CardUp or any Online transactions
- UOB One CC: Need to hit $2000 spend per statement month to get the 5% rebates, if less than $2000, rebate is 3.33%

 

[pcmdan]

If you're looking at combination of Savings Account with Credit Card spend/CardUp for rebates, you should consider either:

1. BOC Smart Saver + BOC Family Credit card:
-If you satisfy the BOC Smart Saver requirements, the interest can be max 3.55% up to first $60,000

2. UOB One account + UOB One Credit card:
-You can get max 2.43% interest for the first $50,000

If possible, you can get both accounts since UOB One account doesn't use Salary credit as an absolute requirement to hit the higher bonus interest.

Both credit cards give 5% rebates for CardUp with some conditions:
- BOC Family CC: Maximum of $600 per statement month for CardUp or any Online transactions
- UOB One CC: Need to hit $2000 spend per statement month to get the 5% rebates, if less than $2000, rebate is 3.33%

Hmm I think many people miss Maybank..Maybank beats UOB in interest

 

[Trazora]

Hmm I think many people miss Maybank..Maybank beats UOB in interest

Think it depends if able to salary credit, take car/housing loan etc to meet 3 product criteria on maybank saveup,

 

[vince123123]

I second the recommendation to move to BOC Cardup and BOC SmartSaver and to abandon OCBC.

The only thing good for OCBC now is the Titanium Rewards card for 4mpd on mobile payments.

Ah ok. Thanks! Understood. Rent is about 650/mth. So I will still earn even if I solely use the BOC card for cardup transactions with 5% rebate on 600.

I thought I would be able to use cardup to hit 600/mth on OCBC credit cards to get additional 0.3% interest on 360 account. But not worth with the 2.6% service fee.

 

[shpesft]

Hmm I think many people miss Maybank..Maybank beats UOB in interest

That's true, but the Maybank credit card rebates will lose to the UOB One credit card if you are able to meet the $2000/month spend though.

1. Maybank Saveup Account + Maybank Platinum Visa Credit Card
- You can hit max 3.0% interest for the first $60,000
- CC rebates similar to UOB One if CC spend is $1,000/mth (3.33% rebates per month: capped at $33.33 per month)
- CC rebates lower than UOB One if CC spend is $2000/mth (5% rebates per month: capped at $100 per month)

Personally I'm using BOC Smart Saver + UOB One combination

 

[skl000]

I second the recommendation to move to BOC Cardup and BOC SmartSaver and to abandon OCBC.

The only thing good for OCBC now is the Titanium Rewards card for 4mpd on mobile payments.

how has it been so far for those moving from OCBC to BOC? first thing i would be concerned of is the atm coverage. i dont see any boc atms around at all

an option would be to move my salary crediting + giro 3 bills to BOC, but to set a monthly transfer to OCBC/DBS for expenses and easy atm withdrawal?

 

[Trazora]

how has it been so far for those moving from OCBC to BOC? first thing i would be concerned of is the atm coverage. i dont see any boc atms around at all

an option would be to move my salary crediting + giro 3 bills to BOC, but to set a monthly transfer to OCBC/DBS for expenses and easy atm withdrawal?

Can withdraw from ATM with the ATM5 logo http://www.bankofchina.com/sg/custserv/atms/201503/t20150313_4726238.html

Can using mbanking or ibanking to pay 3 bills of min $30, to meet the bill payment requirement, no need GIRO

 

[shpesft]

how has it been so far for those moving from OCBC to BOC? first thing i would be concerned of is the atm coverage. i dont see any boc atms around at all

an option would be to move my salary crediting + giro 3 bills to BOC, but to set a monthly transfer to OCBC/DBS for expenses and easy atm withdrawal?

If you intend to get the BOC Family Credit Card and Smart Saver, I would suggest applying for the Credit Card first before the Smart Saver account. BOC Family credit card takes at least 6 weeks for the card to be approved (mine took 7+ weeks).

I kept my UOB One account for easy ATM access but ATM5 ATMs are not that rare to find though.

 

[pcmdan]

how has it been so far for those moving from OCBC to BOC? first thing i would be concerned of is the atm coverage. i dont see any boc atms around at all

an option would be to move my salary crediting + giro 3 bills to BOC, but to set a monthly transfer to OCBC/DBS for expenses and easy atm withdrawal?

Got atm5...like what T has mentioned. I would suggest keeping posb for liquidity..smart saver should be used as savings.

 

[pcmdan]

That's true, but the Maybank credit card rebates will lose to the UOB One credit card if you are able to meet the $2000/month spend though.

1. Maybank Saveup Account + Maybank Platinum Visa Credit Card
- You can hit max 3.0% interest for the first $60,000
- CC rebates similar to UOB One if CC spend is $1,000/mth (3.33% rebates per month: capped at $33.33 per month)
- CC rebates lower than UOB One if CC spend is $2000/mth (5% rebates per month: capped at $100 per month)

Personally I'm using BOC Smart Saver + UOB One combination

Wah if you can hit 1500$ spent with BOC still can hit 2k spent..u must be earning damn alot haha

 

[shpesft]

Wah if you can hit 1500$ spent with BOC still can hit 2k spent..u must be earning damn alot haha

No lah... BOC can hit $600 using CardUp and whatever else I can goes to UOB one card.

 

[pcmdan]

No lah... BOC can hit $600 using CardUp and whatever else I can goes to UOB one card.

Den u won't get full 3.55%

 

[Nuggette]

Anyone know if I can still use SCB SingPost card for Cardup? The 7% rebate has been extended for another month.

 

[pcmdan]

Anyone know if I can still use SCB SingPost card for Cardup? The 7% rebate has been extended for another month.

can...whether new or old TnC Singpost did not exclude cardup

 

[bleonz]

can...whether new or old TnC Singpost did not exclude cardup

SCB Singpost / Spree card can recognise cardup as online 7%? Confirm? Have not been using this card, always using BoC....but gonna change liao.

 

[vddgnd]

SCB Singpost / Spree card can recognise cardup as online 7%? Confirm? Have not been using this card, always using BoC....but gonna change liao.

Are u existing Singpost card holder that received letter and/or sms that inform u about the change of benefit from certain date? If yes, then u can get 7% for cardup transaction for transaction posted before the effective change date.

For new spree card holder, the benefit already only 2% for online from the beginning.

 

[dhwang_best]

DBS Women’s MasterCard, 10X points?

 

[Trazora]

DBS Women’s MasterCard, 10X points?

No points..

 

[dhwang_best]

Thanks

10 char

No points..

 

[bleonz]

Are u existing Singpost card holder that received letter and/or sms that inform u about the change of benefit from certain date? If yes, then u can get 7% for cardup transaction for transaction posted before the effective change date.

For new spree card holder, the benefit already only 2% for online from the beginning.

thanks! yes, gotten the sms for the extension of old perks...so will whack it last time for my dec bills ^^