UOB ONE Account

[Trazora]

Thank you for your reply.

Sorry but I am confused... I am very new to this ONE account since I only recently transfer over from OCBC to UOB last week.

For the 3 giro transaction required for the ONE account,

1) I create 3 giro payment which will be deducted from my ONE account?
2) I create 3 giro payment which will be deducted from my ONE credit card?
3) Online payments to credit card is not counted?
4) I intend to create giro transaction for M1, Starhub, HDB town conservancy bills, and SP services. I need to go to them separately to create giro?


Sorry for the many questions... I am new to the UOB ONE account

1) yes
2) no
3) only giro payment counted
4) can fill up the relevant GIRO application forms, and send one form to each billing organisation

 

[lls0101]

1) yes
2) no
3) only giro payment counted
4) can fill up the relevant GIRO application forms, and send one form to each billing organisation

Thanks. Guess my interest will only start rolling in next month after i set everything up

 

[jmapsmylife]

delight card good meh? U like cold storage?

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cause easier to spend delight card. if i spend more than 500/mth still have some rebate unlike one card. debit card spend also qualify for the 500 spend?

 

[sheinked]

is this account good for those who wants to earn interest for only salary component?

a bit hard to hit $500 credit card spending every month

 

[Trazora]

is this account good for those who wants to earn interest for only salary component?

a bit hard to hit $500 credit card spending every month

No. Min $500 spend in a month is a must to get the bonus intetest.

 

[Mecisteus]

For salary <$6k, >$500 CC spending AND has >$50k savings,

I think the best options are OCBC360 and UOB One.

This way max is 1.55% for 70k and 2.43% for 50k savings. Effective rate is 1.92% for 120k.

Trazora comments?

 

[Trazora]

For salary <$6k, >$500 CC spending AND has >$50k savings,

I think the best options are OCBC360 and UOB One.

This way max is 1.55% for 70k and 2.43% for 50k savings. Effective rate is 1.92% for 120k.

Trazora comments?

It depends how much >$500 spending (> $1000? 1500?) and how much savings you are talking about.

 

[Mecisteus]

I did the calculation here

http://forums.hardwarezone.com.sg/107403655-post4252.html

Think maybank saveup is better

Yes I saw that one. But max is 2.97% for up to $50k only.

My assumption is up to 120k, salary <$6k AND ~$500 CC spending.

 

[Trazora]

Yes I saw that one. But max is 2.97% for up to $50k only.

My assumption is up to 120k, salary <$6k AND ~$500 CC spending.

Yea what you suggested seem to be the best combi for the set of assumption.

 

[Layers]

cause easier to spend delight card. if i spend more than 500/mth still have some rebate unlike one card. debit card spend also qualify for the 500 spend?

3% paywave Cashback is gd. One card dun have debit card ba.

So u use it mainly for the 3% paywave?

Uob one card, u can pay for anything, hit 500 every month and get back 3.33% every quarter. I think that is better. And link to one acc too

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[jmapsmylife]

Any excess spending for example if I spend $800 onli $500 got rebate. Like troublesome need to keep track. But than I will still do it since uob one account give better interest

3% paywave Cashback is gd. One card dun have debit card ba.

So u use it mainly for the 3% paywave?

Uob one card, u can pay for anything, hit 500 every month and get back 3.33% every quarter. I think that is better. And link to one acc too

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[Layers]

Any excess spending for example if I spend $800 onli $500 got rebate. Like troublesome need to keep track. But than I will still do it since uob one account give better interest

once I hit 500 I use other cards liao

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[nomoreliaola]

Hmm curious. U guys got consider dbs multiplier account?

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[Ddarksire]

3% paywave Cashback is gd. One card dun have debit card ba.

So u use it mainly for the 3% paywave?

Uob one card, u can pay for anything, hit 500 every month and get back 3.33% every quarter. I think that is better. And link to one acc too

Sent from Sony E6853 using GAGT

Does pay for anything includes payment to town council and hdb carpark?

 

[Layers]

Does pay for anything includes payment to town council and hdb carpark?

I think so. Telco bills has no issue. the only exclusion is the monthly installment

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[Trazora]

I think so. Telco bills has no issue. the only exclusion is the monthly installment

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Prepaid card/account also excluded

 

[Ddarksire]

Does pay for anything includes payment to town council and hdb carpark?

I think so. Telco bills has no issue. the only exclusion is the monthly installment

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My apologies. My question on the payment to town counil and hdb carpark is not giro related to One account. It is for the One card. Does payment to town council and hdb carpark earn 3.33% rebate if total monthly spend = $500 for 3 mths.

 

[Ddarksire]

Does setting up Giro for One account to pay One card consider 1 out of the 3 Giro requirement?

 

[Trazora]

My apologies. My question on the payment to town counil and hdb carpark is not giro related to One account. It is for the One card. Does payment to town council and hdb carpark earn 3.33% rebate if total monthly spend = $500 for 3 mths.

installment and prepaid excluded from the card rebate. Payment to town council and hdb carpark should get the rebate

 

[Trazora]

Does setting up Giro for One account to pay One card consider 1 out of the 3 Giro requirement?

yes counted