Ipaymy

[Trazora]

Thanks for the recommendation. Would ipaymy fall under the online category then?

yes

 

[chiokcc]

I missed those days when I can use UOB one card to hit minimum spend easily .......

 

[blueboat]

I missed those days when I can use UOB one card to hit minimum spend easily .......

You mean like the time when grabpay top ups earned 10% cashback?

 

[Trazora]

You mean like the time when grabpay top ups earned 10% cashback?

Think he referring to ipaymy

 

[wira]

anyone knows if ipaymy txn can still earn miles for UOB PRiv miles ?
I remember reading UOB explicitly exclude ipaymy from miles rewards but ipaymy site still states UOB cards can earn miles still
https://help.ipaymy.com/en/articles/3153490-which-cards-can-earn-rewards-with-ipaymy

 

[sgreview]

Was thinking of using SCB Manhattan and OCBC Frank to make some payments, checked with Cardup and realized both cards not eligible for cashback. Are they still usable to get max cashback with ipaymy?

 

[Trazora]

Was thinking of using SCB Manhattan and OCBC Frank to make some payments, checked with Cardup and realized both cards not eligible for cashback. Are they still usable to get max cashback with ipaymy?

on what basis did cardup say the 2 cards not eligible? The cards' TnC did not indicate cardup or mcc 7399 excluded

 

[sgreview]

on what basis did cardup say the 2 cards not eliligible? The cards' TnC did not indicate cardup or mcc 7399 excluded

There was no reason given, the customer service referred me to this link and these 2 cards were not listed.

https://carduphelp.zendesk.com/hc/e...pend-on-CardUp-earn-rewards-on-my-credit-card

 

[sgreview]

both ok. and dcs flex

Are u referring to dcs flex visa card? Will get 6% (cap $25) for online transactions with minimum $600 spent?

 

[Trazora]

Are u referring to dcs flex visa card? Will get 6% (cap $25) for online transactions with minimum $600 spent?

yes

 

[sgreview]

yes

Anyone can confirm if the below cards can get max cash rebate using ipaymy?

1) SCB Manhattan (min 3k for 3%, cap $200/quarter)
2) OCBC Frank (min 800 for 8%, cap $25)
3) DCS Ultimate Platinum MasterCard (no min, 2%, cap $200)
4) DCS flex visa (min 600 for 6%, cap $25)

 

[Youshallnotknow]

Used to use them pre covid. But now use cc via paypal to cashout. Rinse repeat to earn points and up to 55 days credit term.

 

[iadpotato]

i did a quick calculation. assuming income tax of $4000.

using scb manhattan to pay. ipaymy fees is 1.99% = $79.60
SCB 3% rebate on $4079.60 = $122.39
nett rebate is $42.79

i use GIRO, and put the money in a high yield account of say 4.6%pa (BOC SS)
over 12 months, the interest gained is around $99 (this is after accounting for the monthly GIRO deduction)

1	$ 4,000.00	$ 15.12
2	$ 3,666.67	$ 14.33
3	$ 3,333.33	$ 12.60
4	$ 3,000.00	$ 11.72
5	$ 2,666.67	$ 10.42
6	$ 2,333.33	$ 8.82
7	$ 2,000.00	$ 7.81
8	$ 1,666.67	$ 6.30
9	$ 1,333.33	$ 5.21
10	$ 1,000.00	$ 3.91
11	$ 666.67	$ 2.35
12	$ 333.33	$ 1.30
		$ 99.90

 

[Trazora]

i did a quick calculation. assuming income tax of $4000.

using scb manhattan to pay. ipaymy fees is 1.99% = $79.60
SCB 3% rebate on $4079.60 = $122.39
nett rebate is $42.79

i use GIRO, and put the money in a high yield account of say 4.6%pa (BOC SS)
over 12 months, the interest gained is around $99 (this is after accounting for the monthly GIRO deduction)

1	$ 4,000.00	$ 15.12
2	$ 3,666.67	$ 14.33
3	$ 3,333.33	$ 12.60
4	$ 3,000.00	$ 11.72
5	$ 2,666.67	$ 10.42
6	$ 2,333.33	$ 8.82
7	$ 2,000.00	$ 7.81
8	$ 1,666.67	$ 6.30
9	$ 1,333.33	$ 5.21
10	$ 1,000.00	$ 3.91
11	$ 666.67	$ 2.35
12	$ 333.33	$ 1.30
		$ 99.90

how about split to GIRO instalment and pay monthly on cardup using DCS Flex for 6% rebate (get 6% for online/contactless or 8% for overseas spend, need min 600 monthly)

 

[yiron]

ipaymy raised their base fee from 2.25% to 2.4%, on top of the $1 'safekeeping' fee?

 

[chiokcc]

Getting less attractive in my opinion .... I haven't use iPayMy for while already ....

 

[Youshallnotknow]

Cannot cheat code already so I using paypal

 

[highsulphur]

Cannot cheat code already so I using paypal

what cheat code

 

[Youshallnotknow]

what cheat code

Last time can use ipaymy thru cc to earn points

 

[highsulphur]

Last time can use ipaymy thru cc to earn points

Frank card still works