How to hit minimum spend on credit card?

[toasteroven]

u use 365 to pump what brand patrol?

Diesel lo

 

[regis6]

I no social life. Seldom eat out, and if I do so, usually tabao from coffeeship or hawker where I cannot use cc

Download and install liquid pay. It allows you to use credit card to pay for hawker food as long as they got SG QR.

 

[fake_oranges]

Then ts, the 360 cc doesn’t fit your lifestyle rah. Huai you want force it sia. Wait end up spending moar than necessary.
Cannot earn 4.65% then just take 4.05% rah, Wah rao

maybe TS got $1 million plus. 0.60% big difference

just spend everything on that card. Benefit still better than missing out and gain on another card

 

[compro_1975]

Very easy, top up Revolut account with $801 dollars from OCBC 365 card then transfer back the money from Revolut back to your bank account.

you just spent $801 off the card but without actually spending money.

tot this trick gone liao?

 

[addict951]

Download and install liquid pay. It allows you to use credit card to pay for hawker food as long as they got SG QR.

Eh you scan at hawker ctr stalls can har??

 

[chaiscool]

That is One account.

Im referring to One card.

https://www.uob.com.sg/onecards/uob-one-credit-card.html
For OCBC bank account also just need to spend $500. But for OCBC cc need $800

Huh what’s the difference? Iirc 365 account need $500 minimum on 360 CC to get bonus. The $800 is for annual fee waiver and additional rebate, not necessary if using short term.

Can always change bank after 1 year haha

 

[coyote]

Im using OCBC 365 card, require minumum $800 per month.

Groceries $400
Petrol $300
Utilities $200
HP bills $50 (2 lines)
Wifi $30
Food $100

Total: About $1080

But Im going to get a fuel card which means the $300 is paid for, and I will not hit $800 esp if I dont eat out.

Is there other way to spend without spend unnecessarily?

I thought of buying gold but usually credit card for extra charges for gold.
If I buy NTUC vouchers that will affect my groceries amount.

Get married, make some babies. I'm figuring how to spend less on credit cards instead.

 

[tank_t]

Food $100?? U not qualified bbfa?

 

[cearmouse]

Find a sugar baby and give her ur card

 

[buttbERry]

do some more groceries

 

[beano]

Every month buy a phone, then sell

 

[linzw00]

Total monthly expense should be consistent. I play around with 2 cards and the cut off dates of the cc billing cycle.

 

[leaving_footsteps]

Pay car insurance in installment?

 

[footi3]

offer to pay when eating out
Pay on behalf for your family’s other expenses

if you tabao.. see if those stalls are on platforms like Grab or foodpanda and make pickup orders

 

[fulaien]

maybe TS got $1 million plus. 0.60% big difference

just spend everything on that card. Benefit still better than missing out and gain on another card

Max is 100k for the interest, which is still alot

 

[fulaien]

Huh what’s the difference? Iirc 365 account need $500 minimum on 360 CC to get bonus. The $800 is for annual fee waiver and additional rebate, not necessary if using short term.

Can always change bank after 1 year haha

Spend $500 on cc for 365 account cc bonus

But spend $800 on 360 card to get the 3 to 6% rebates for cc spend.

Its 2 things (interest on bank savings vs rebates on cc spend) that are related

 

[fulaien]

Download and install liquid pay. It allows you to use credit card to pay for hawker food as long as they got SG QR.

Ok i will research on this

 

[Illusionist_85]

Ya but you miss 1 month, the whole quarter lose the rebate.

I dun like how UOB calculates per quarter.

Also means I have to buy groceries at giant instead of ntuc

unless you wanna earn additional rebates lo, I buy from ntuc to clock the minimum monthly expenses

 

[s-ghost]

Use UOB one card and one account better

ah gui each month bank account interest is in the 3 figure sum which pays for all my bills

only need to spend $500 and make three GIRO transactions, best if you credit salary

 

[fake_oranges]

Download and install liquid pay. It allows you to use credit card to pay for hawker food as long as they got SG QR.

safe or not?
The website like sus