Share your cc planning

[zoossh]

can explain whats that?

ntuc vouchers - smrt 5% (vs anz optimum)

means u use your SMRT to buy voucher at 5% off
or 5% rebate at the end of the month ?

then u use voucher to shop at NTUC later, is it?

buy $600 NTUC vouchers with citibank smrt card, rebate 5% aka $30 via pts, then get the $30 vouchers buy bengawan solo (or other outlets).

 

[zoossh]

taxi use flashpay lor why difficult? coupled with cab rewards yum yum!

a lot of taxi uncles say no flashpay machine.

hospital use manhattan?

is manhattan only restriction on insurance?

maybank property tax giro simi lai eh!?

http://info.maybank2u.com.sg/promotion/deposits-banking/giro.aspx

i did this cos these items all cannot get any rebate anywhere else. insurance. prop tax.

groceries use citi smrt lor. or maybank family for cold storage/ntuc.

is that all ntuc outlets? can buy ntuc vouchers? cash rebate back to cc same mth or next mth?

http://info.maybank2u.com.sg/person...latinum-mastercard-cash-back-credit-card.aspx

casual dining hsbc revolution?

u use that? how much is the cash rebate equivalent?

 

[slowpokie]

Theres a way to get unlimited 5 to 6 percent
just that abit tirring

 

[zoossh]

i wont let go citi premiermiles if i were u as the points never expired.

until they want me to pay annual fee?

i want to look for the thread that talks about 4 miles per $ spent. but cant find it. i think is one of the uob cards.

 

[zoossh]

Theres a way to get unlimited 5 to 6 percent
just that abit tirring

able to share here? or need pm?

 

[slowpokie]

able to share here? or need pm?

later pichar lobang reh...... the hint is still on prepaid card....... if u know how to utilise
it made all rebate card look stupid
esp manhhtan ky cut riao

 

[Polar Bear King]

My Main cards:
BOC Shop (for department stores and online)
UOB JCB (for department stores)
Frank (online)
SC Singpost (online)
Maybank Friends (NTUC)
ANZ Optimum (Shopping)
UOB One (Shopping) ($3000 credit per month)
SC Manhattan (Shopping)
Maybank Platinum (Shopping)
AMEX Cashback (Shopping)
DBS Capital (Shopping)
Maybank Horizon (Air tix)
DBS Altitude (Air tix)

Every month my expenses is around $36K for shopping + $7K for department stores.
A break down of card usage:

Card/1st/2nd/3rd month

Department stores:
BOC Shop/1000/1000/1000
UOB JCB/1668/1668/1668
Citibank Rewards (already used up 120K points, need to wait until July)

Online
Frank/1000/1000/1000
SC Singpost/833/833/833
OCBC 365
DBS Woman/remaining online purchases

Shopping
ANZ Optimum/12000/12000/12000
UOB One/3000/3000/3000
SC Manhattan/3400/3400/0
Maybank Platinum/1000/1000/1000
DBS Capital/12000/12000/12000
AMEX Cashback/remaining shopping purchases

Air tix
DBS Altitude/3200/3200/3200

Groceries
Maybank Friends/500/500/500

Keniphone should have updated my one card one use thread.....anyway I'll quote over later.
Btw I don't think there's a truly unlimited rebate matter. Everything has a reasonable limit. Just that most of us spend within our limits. Who can spend unlimited money anyway?
If one spends millions per month I'm sure it would bust that rebate limit...

 

[wts2013]

dun play samurai seppuku again, self destruct, sabo king, hahaha

 

[purpletoysmum]

Keniphone should have updated my one card one use thread.....anyway I'll quote over later.
Btw I don't think there's a truly unlimited rebate matter. Everything has a reasonable limit. Just that most of us spend within our limits. Who can spend unlimited money anyway?
If one spends millions per month I'm sure it would bust that rebate limit...

It would elicit phone calls from banks ans sometimes a ban.

 

[slowpokie]

Pls do not pm me anymore....... credit card nt always the best....... for some purchase if u know
pay cash is cheaper......

as of now czn enjoy 5 to 6 percent is still true

 

[Suleyman]

Pls do not pm me anymore....... credit card nt always the best....... for some purchase if u know
pay cash is cheaper......

as of now czn enjoy 5 to 6 percent is still true

Lol... You asked for it by bringing it up.

Rest of us keep it to ourselves and never talk about it...

 

[Polar Bear King]

It would elicit phone calls from banks ans sometimes a ban.

I know of a stupid blue bank put up credit card Xmas promo then cut people off for spending money online!
anyway there's no CC planning,just use whichever card you have on the best type of purchase you're going to make,that's all.
e.g. dining....can't be spending $10000 on restaurants every month right? just stick to whichever card gives you best rebate lor,like weekend dining use ocbc365 card.

 

[hogrider88]

a lot of taxi uncles say no flashpay machine.


is manhattan only restriction on insurance?



http://info.maybank2u.com.sg/promotion/deposits-banking/giro.aspx

i did this cos these items all cannot get any rebate anywhere else. insurance. prop tax.



is that all ntuc outlets? can buy ntuc vouchers? cash rebate back to cc same mth or next mth?



http://info.maybank2u.com.sg/person...latinum-mastercard-cash-back-credit-card.aspx



u use that? how much is the cash rebate equivalent?

--- must take comfort or citycab nia. before board ask uncle accept or not, no accept juz close door! now taxi alot whahaahah.

---- i think hospital still can. insurance cannot.

---- citi smrt reward u with smrt$, once ur transaction is posted will reward u, can redeem they will mail u vouchers. all ntuc can, only kallang wave one got more rebates!

---- hsbc revolution x5 points if u wan to redeem cash rebate is about 1.5%, i hv other things to redeem which is about 2.22%. thats why this card dining n entertainmt is taking over my anz travel.

 

[zeledfx]

Theres a way to get unlimited 5 to 6 percent
just that abit tirring

that one super tiring , i got consider before . but lazy.......

 

[naro]

--- must take comfort or citycab nia. before board ask uncle accept or not, no accept juz close door! now taxi alot whahaahah.

---- i think hospital still can. insurance cannot.

---- citi smrt reward u with smrt$, once ur transaction is posted will reward u, can redeem they will mail u vouchers. all ntuc can, only kallang wave one got more rebates!

---- hsbc revolution x5 points if u wan to redeem cash rebate is about 1.5%, i hv other things to redeem which is about 2.22%. thats why this card dining n entertainmt is taking over my anz travel.

HSBC Revolution looks nice for dining. but I've had bad experience with them and vowed not to use them again.

 

[IcYFl4mEz]

Which card is good for booking of flight n hotels? Thru agoda or bookings.com etc . And what about dining? No min spending hopefully, as sometimes might nt hit

 

[keniphone]

HSBC Revolution looks nice for dining. but I've had bad experience with them and vowed not to use them again.

me 2nd
even i don't have their CC yet. I applied from before chinese new year, until now havent' received the card. Damm lousy service.

Which card is good for booking of flight n hotels? Thru agoda or bookings.com etc . And what about dining?

If you book hotel through agoda, any CC can give you additional 5-8% card discount.
If u want cash rebate, book with UOB Visa signature, 5% (Online, foreign currency), min $1000/month.
If you want miles, DBS Altitude, 3 miles/$1 for online tix/hotel purchase.

 

[IcYFl4mEz]

me 2nd
even i don't have their CC yet. I applied from before chinese new year, until now havent' received the card. Damm lousy service.

If you book hotel through agoda, any CC can give you additional 5-8% card discount.
If u want cash rebate, book with UOB Visa signature, 5% (Online, foreign currency), min $1000/month.
If you want miles, DBS Altitude, 3 miles/$1 for online tix/hotel purchase.

The uob preferred plat acct , good? Amex got 10x uni..

 

[purpletoysmum]

The uob preferred plat acct , good? Amex got 10x uni..

For dining is good. If you have other UOB cards for UNI$ and the places where you dine accept Amex.

 

[IcYFl4mEz]

For dining is good. If you have other UOB cards for UNI$ and the places where you dine accept Amex.

But that doesn't include those club/pub right? Since for those, u easily spent few hundred overnight