Share your cc planning

[zoossh]

I start the ball rolling for myself

miles - no idea: kiv 4miles/$ cards
taxi - no idea: flashpay difficult to us

6.00% flight - frank (no complimentary insurance) if >500/mth
5.00% flight - optimum (no complimentary insurance) >1k/total
3.00% flight - 365 (insurance) if >600/mth

5.00% hotel - anz optimum > 1k/total
3.00% hotel - manhattan > 3k/mth

gov - no idea:
hospital - no idea
education - no idea
for the above 3, dunno if can get this
uob or bonussaver or amex?

0.00% iras - anz not good anymore
6.00% pub - giro + secret, max 100/mth/pax
5.00% s&cc - citibank smrt voucher use on few outlets
3.33% s&cc - uob one
$25 (1x) property tax - maybank (4 giro)

$25 (1x) insurance life (manulife) - maybank (4 giro)
$25 (1x) insurance life (NTUC) - maybank (4 giro)
0.00% insurance health (NTUC) - deduct from bank
1.50% insurance health (bupa) - amex tcb
1.50% insurance income (aviva) - amex tcb

6.00% telco - frank
6.00% cable - frank
6.00% online - frank (500-1000)
7.00% online - singpost (500-715)

6.00% groceries local - frank flashpay
5.00% ntuc vouchers - citibank smrt voucher on few outlets
5.00% ntuc vouchers - optimum (dunno can or not)

2-3.4% clothings - citibank rewards
3.33% casual dining - uob one
3.33% local miscellaneous - uob one (300/800/1500)
1-2.6% local miscellaneous - bonussaver 500 (? exclusion)
1.50% local miscellaneous - amex tcb (after uob quota)

5.30% overseas offline - uob one (any)
5.00% overseas - uob visa sig (1000-2000)
5.00% overseas groceries - optimum

3.00% sudden noninsurance big bill - manhatten (3-6.6k/mth)
1.50% sudden need insurance large amt - amex tcb

i know is above is messy. and if ignored, i wont be annoyed, but if anyone can help to comment on anything for me to improve, i wanna say thanks. those who like to share their cc planning can also post here.

my current cards
- ocbc frank, 365, plus
- uob visa sig, one, delight
- scb manhatten, bonus saver, visa, master, singpost
- citi rewards, premiermiles, dividend
- anz travel
- amex tcb
- dbs, may cimb boc no card.

those in teal i wan to let go liao.

 

[naro]

Citibank Dividend is useful for petrol for those who drive.

 

[zoossh]

Citibank Dividend is useful for petrol for those who drive.

do they ask for annual fee and give waiver?

i not driving now

 

[naro]

do they ask for annual fee and give waiver?

i not driving now

i've no issues waiving the fees so far.

 

[keniphone]

I start the ball rolling for myself

miles - no idea: kiv 4miles/$ cards
taxi - no idea: flashpay difficult to us

flight - anz optimum 5%, or use the online cards.
hotel - anz optimum 5%, or use the online cards.

gov - no idea:
hospital - no idea
education - no idea
for the above 3, dunno if can get this
uob or bonussaver or amex?

iras - anz, gonna cancel *
pub - giro + secret
s&cc - uob one, kiv convert to smrt
property tax - maybank giro $100 cashback)

telco - frank 6%
cable - frank 6%

insurance life (NTUC, manulife) - maybank giro
insurance health (NTUC) - deduct from bank
insurance health (bupa) - anz travel 1.1%, going to change **
insurance income (aviva) - amex 1.5%

online - frank 6% (500-1000)
online - singpost 6% (500-715)

groceries local - frank flashpay 6%
ntuc vouchers - smrt 5% (vs anz optimum)
overseas groceries - anz optimum
overseas groceries - 4 miles card
clothings - citibank rewards 2-3%
casual dining - uob one

local miscellaneous - uob one (300/800/1500)
local miscellaneous - bonus saver 500 (? dunno exclusion)
local miscellaneous - amex tcb (after uob quota)

overseas offline - uob one (any)
overseas - uob visa sig (1000-2000)

sudden non insurance big bill - manhatten (3-6.6k) at 3%
sudden need insurance large amt - amex tcb 1.5%

i know is messy. and ignored, i wont be annoyed, but if anyone can help to comment on anything for me to improve, i wanna say thanks. those who like to share their cc planning can also post here.

my current cards
- ocbc frank, 365, plus
- uob visa sig, one, delight
- scb manhatten, bonus saver, visa, master, singpost
- citi rewards, premiermiles, dividend
- anz travel
- amex tcb
- dbs, may cimb boc no card.

those in teal i wan to let go liao.

wow you have many cards leh

 

[beri stupid idiot]

I start the ball rolling for myself

miles - no idea: kiv 4miles/$ cards
taxi - no idea: flashpay difficult to us

flight - anz optimum 5%, or use the online cards.
hotel - anz optimum 5%, or use the online cards.

gov - no idea:
hospital - no idea
education - no idea
for the above 3, dunno if can get this
uob or bonussaver or amex?

iras - anz, gonna cancel *
pub - giro + secret
s&cc - uob one, kiv convert to smrt
property tax - maybank giro $100 cashback)

telco - frank 6%
cable - frank 6%

insurance life (NTUC, manulife) - maybank giro
insurance health (NTUC) - deduct from bank
insurance health (bupa) - anz travel 1.1%, going to change **
insurance income (aviva) - amex 1.5%

online - frank 6% (500-1000)
online - singpost 6% (500-715)

groceries local - frank flashpay 6%
ntuc vouchers - smrt 5% (vs anz optimum)
overseas groceries - anz optimum
overseas groceries - 4 miles card
clothings - citibank rewards 2-3%
casual dining - uob one

local miscellaneous - uob one (300/800/1500)
local miscellaneous - bonus saver 500 (? dunno exclusion)
local miscellaneous - amex tcb (after uob quota)

overseas offline - uob one (any)
overseas - uob visa sig (1000-2000)

sudden non insurance big bill - manhatten (3-6.6k) at 3%
sudden need insurance large amt - amex tcb 1.5%

i know is messy. and ignored, i wont be annoyed, but if anyone can help to comment on anything for me to improve, i wanna say thanks. those who like to share their cc planning can also post here.

my current cards
- ocbc frank, 365, plus
- uob visa sig, one, delight
- scb manhatten, bonus saver, visa, master, singpost
- citi rewards, premiermiles, dividend
- anz travel
- amex tcb
- dbs, may cimb boc no card.

those in teal i wan to let go liao.

thats an awesome bunch of high class ammo

 

[beri stupid idiot]

wow you have many cards leh

agree we just need one good card is enough, hit mb plat visa for 3.33 %, peasants like me cannot spend alot wor ~

 

[sk0065]

SIC leh

pub - giro + secret


mine is:

Town Council - POSB Everyday
HDB Season carpark - GIRO
SP Services - DBS ESSO
petrol - DBS ESSO
online shopping - OCBC Frank
normal shopping - OCBC Frank
SingTel - UOB SingTel
if vpost - Stand Chart Vpost
if Uniqlo - UOB JCB
if MRT - Citi SMRT

 

[sk0065]

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?

 

[hogrider88]

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

hospital use manhattan?

s&cc definitely citi smrt.

maybank property tax giro simi lai eh!?

insurance no prudential? the rest all best giro nia.

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

casual dining hsbc revolution?

i feel miscelleneous spending u put under uob one very xin ku.. never hit need to do a bit forced spendings !

the rest looks fine to me!

 

[keniphone]

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

 

[ORELLE]

I start the ball rolling for myself

miles - no idea: kiv 4miles/$ cards
taxi - no idea: flashpay difficult to us

flight - anz optimum 5%, or use the online cards.
hotel - anz optimum 5%, or use the online cards.

gov - no idea:
hospital - no idea
education - no idea
for the above 3, dunno if can get this
uob or bonussaver or amex?

iras - anz, gonna cancel *
pub - giro + secret
s&cc - uob one, kiv convert to smrt
property tax - maybank giro $100 cashback)

telco - frank 6%
cable - frank 6%

insurance life (NTUC, manulife) - maybank giro
insurance health (NTUC) - deduct from bank
insurance health (bupa) - anz travel 1.1%, going to change **
insurance income (aviva) - amex 1.5%

online - frank 6% (500-1000)
online - singpost 6% (500-715)

groceries local - frank flashpay 6%
ntuc vouchers - smrt 5% (vs anz optimum)
overseas groceries - anz optimum
overseas groceries - 4 miles card
clothings - citibank rewards 2-3%
casual dining - uob one

local miscellaneous - uob one (300/800/1500)
local miscellaneous - bonus saver 500 (? dunno exclusion)
local miscellaneous - amex tcb (after uob quota)

overseas offline - uob one (any)
overseas - uob visa sig (1000-2000)

sudden non insurance big bill - manhatten (3-6.6k) at 3%
sudden need insurance large amt - amex tcb 1.5%

i know is messy. and ignored, i wont be annoyed, but if anyone can help to comment on anything for me to improve, i wanna say thanks. those who like to share their cc planning can also post here.

my current cards
- ocbc frank, 365, plus
- uob visa sig, one, delight
- scb manhatten, bonus saver, visa, master, singpost
- citi rewards, premiermiles, dividend
- anz travel
- amex tcb
- dbs, may cimb boc no card.

those in teal i wan to let go liao.

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

 

[naro]

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

Wah! High roller! Why ur uob one spending is $3k each mth? Thought $1.5k each month cos max rebate is $150 each quarter?

 

[keniphone]

Wah! High roller! Why ur uob one spending is $3k each mth? Thought $1.5k each month cos max rebate is $150 each quarter?

Case by case UOB gives different T&C.

 

[naro]

Case by case UOB gives different T&C.

i see, uob gives u special rate cos u high roller.

 

[keniphone]

i see, uob gives u special rate cos u high roller.

Still 3%, but max spend up to 3K

 

[naro]

Still 3%, but max spend up to 3K

But commoners like me can only go for $30, $80 or $150, quarterly rebates. no option for $300 quarterly rebate.

 

[keniphone]

But commoners like me can only go for $30, $80 or $150, quarterly rebates. no option for $300 quarterly rebate.

that's why it's case by case basis only. $30, $80, $150, $200 or $300 quarterly.

And I don't think I'm the only one that received this offer.

UOB sent mailer asking me to spend this amount. I think lot more ppl also receive it.

 

[beri stupid idiot]

Keniphone jin awesome ^.^

 

[keniphone]

Keniphone jin awesome ^.^

You also. $1500 you can get $300 rebate