UOB EVOL vs OCBC FRANK vs DBS Live Fresh

[songsongmeow]

There are merchants that give additional cashback on UOB One. Effectively it can be more than 3.33%

You mean Shopee, McDonald's and dairy farm group? I'm going with UOB one too, but doing $500. $800 is a bit too much for me

 

[jianrong]

Soon uob one will be nerfed.

 

[elmohootbigbird]

Soon uob one will be nerfed.

nerfed once many years back, $300 tier no more. since i can hit 800, maybe i just hang in for abit more

 

[iadpotato]

how i wish there will be a card 5% rebate min $2000 spend.

 

[yiron]

how is 3.33% on the UOB one better than 3.75% for the EVOL?

Use it mostly for bonus cashback merchants, which gives an additional 5% to 6.67% cashback depending on which tier u hit ($500/$1000/$2000).

 

[highsulphur]

how i wish there will be a card 5% rebate min $2000 spend.

That was UOB one when it first started

 

[iadpotato]

That was UOB one when it first started

yes, that was my go to card for almost everything. with a family to feed, spending 2k monthly is easy peasy. so sad when they reduce it to 3.33%...

 

[yiron]

That was UOB one when it first started

Good old days. There was even a short period where it essentially gave $200 free per month. Now heavily nerfed, though still quite useful for those who spend heavily on Grab, Shopee, DFI, McDs, SP utilities etc.

 

[cyberac]

There are merchants that give additional cashback on UOB One. Effectively it can be more than 3.33%

Am thinking of switching to UOB One as well with the nerfs to the EVOL card. Does anyone know if this additional cash back on these merchants have a cap?

 

[hyperbole]

Am thinking of switching to UOB One as well with the nerfs to the EVOL card. Does anyone know if this additional cash back on these merchants have a cap?

$100 per statement month of additional cashback

 

[Asphodeli]

The UOB EVOL card seems like it's trying to poke us to use the physical card for "other spend" category I think? But then the cashback % is so low that even UOB One can beat it easily assuming you spend just nice for the tiers

 

[yiron]

The UOB EVOL card seems like it's trying to poke us to use the physical card for "other spend" category I think? But then the cashback % is so low that even UOB One can beat it easily assuming you spend just nice for the tiers

Not much point using it for the others 0.3%. Using this card optimally ($300 online/mobile, $200 fx, $300 others) yields about 5.55% after deducting the 3.25% fx fee (or 6.36% if u don’t deduct fthe fx fee). But hard to achieve unless u regularly have fx in-store spending.

 

[dngth]

Tink I will also be swapping to UOB One card from July to meet the requirement for my UOB Account. Will be aiming for the $500 spend per month.

 

[Asphodeli]

Think I'll go back to DBS livefresh now that they've clarified what "shopping" is

 

[highsulphur]

Think I'll go back to DBS livefresh now that they've clarified what "shopping" is

What is the clarification

 

[hyperbole]

Think I'll go back to DBS livefresh now that they've clarified what "shopping" is

Thanks for the heads up. Wasn’t aware they edited their tncs. This is much clearer now and should’ve been done from the start!

 

[highsulphur]

Thanks for the heads up. Wasn’t aware they edited their tncs. This is much clearer now and should’ve been done from the start!

Can remind me what was the nerf on live fresh recently

 

[hyperbole]

Can remind me what was the nerf on live fresh recently

Become $800 min spend and now bonus cashback only applies to shopping and transport. So major categories like dining and groceries no more.

 

[Asphodeli]

I find it strange that all 3 big banks in SG are giving disproportionately high cashback for spending on transport and ride hailing. Are they trying to cover their NPL for car loans?

 

[hyperbole]

I just put my insurance spend (when I have it) on the LF since no card gives cashback anyway. Then charge whatever transport and shopping spend for that month on it. Can’t spend so much on shopping every month.