UOB visa signature

[lcpteck]

Thanks for the above explaination, is it common to kena dcced in Italy?

So another safe way to know it's not dcc is if the charge slip shows only euro currency or their local currency right?

I've never been to Italy let alone Europe. However, as long as you're billed in foreign currency (FCY), there is a chance DCC will take effect.

That is correct, if the slip just shows their local currency, then there's no DCC. Make sure you don't see the DCC message which is usually in smaller print.

 

[ambasnakeman]

for overseas transaction include online - min 1k SGD value to qualify for x10.
for petrol, paywave - min 1k sgd.
to qualify for both, is it min 1k sgd in total or min 2k sgd across both categories?
any uni is capped at 4000 per statement

 

[sky1977]

Do check spending carefully to meet 1k minimum requirement. I got spent 990 on Jun, sad

 

[beri stupid idiot]

I am lost here: You give bank frequent flyer miles and bank give you $? Does SQ buy back frequent flyer miles and give you $?

bank gives per spending as rebates

 

[Polar Bear King]

5% as cash rebate quite good for paywave thing!

 

[ilovecheese]

I am lost here: You give bank frequent flyer miles and bank give you $? Does SQ buy back frequent flyer miles and give you $?

sq allows you to pay with Miles, so is miles return them for cash discount or free flight

 

[naro]

Just checking, is the UNI$ statement for UOB Visa Signature separate from the UNI$ statement for other UOB cards?

Would be quite difficult for one to keep track.

 

[ralliteknik]

Just checking, is the UNI$ statement for UOB Visa Signature separate from the UNI$ statement for other UOB cards?

Would be quite difficult for one to keep track.

UNI$ all consolidated.

 

[naro]

UNI$ all consolidated.

How one knows if its UNI$ earned from the Visa Signature card?!?!

 

[ralliteknik]

How one knows if its UNI$ earned from the Visa Signature card?!?!

Keep track of your spending on a spreadsheet from all your UOB credit cards is the only sure way.

 

[beri stupid idiot]

abit too hardcore hehehe

 

[zoossh]

which amex card r u using?

after promotion period, amex true cashback is 1.5%

ocbc frank at 6% (+dcc ?-3-4 %)
uob visa signature at 5% (+dcc ?-3-4 %)

so is frank still better for overseas online transaction? uob visa signature as backup. then offline use amex instead of anz?

When you get the slip to sign, the slip is supposed to show 2 currencies, you're supposed to ticket the currency, AND they're supposed to give you another slip to show the currency that you ticked earlier, then you sign that.

There's always a DCC verbage at the bottom of the slip, remember to read that before you decide to sign or not. If you see it, tell them you don't want DCC and want to be billed in their local currency. The problem with this is that sometimes they person may not understand and sometimes the merchant's bank put a lock on the terminal to force DCC (hence the person can't cancel). So there are genuine cases where it isn't the person's fault, it's more of the bank. This happens frequently in China (I've see it in KL as well).

I use an Amex card to avoid all these issues since DCC only affects Visa and Mastercard. Sure, it's more expensive to use Amex but still cheaper than getting DCCed.

If your bank statement doesn't show the foreign amount next to the transaction, that means it is DCCed.

 

[lcpteck]

which amex card r u using?

I'm using UOB PRVI Miles Amex to earn miles. It's my general spending card both overseas and local. My backup is my Citibank PremierMiles Visa Card if Amex is not accepted.

 

[lcpteck]

for overseas transaction include online - min 1k SGD value to qualify for x10.
for petrol, paywave - min 1k sgd.
to qualify for both, is it min 1k sgd in total or min 2k sgd across both categories?
any uni is capped at 4000 per statement

After reading the T&Cs, it looks like it's separate spending category.

I wonder if I should subscribe to this card. It's only good for those FCY transactions (offline or online) that can hit S$1k equivalent per month. Easy to hit if you have big FCY purchases.

I don't drive so petrol + Paywave would be useless to me.

 

[sneggg]

So this card is only good for overseas spending above 1k and petrol right?

 

[purpletoysmum]

And paywave. But mainly for FCY transactions. Beware of DCC as discussed before.

 

[Suleyman]

So this card is only good for overseas spending above 1k and petrol right?

Unless you can spend >$1k on petrol and pay wave, this card doesn't help.

For me, I primarily use it for overseas spending only. Paywave, Preferred Platinum is easier. Same points, no minimum spending required & no cap.

 

[highsulphur]

Unless you can spend >$1k on petrol and pay wave, this card doesn't help.

For me, I primarily use it for overseas spending only. Paywave, Preferred Platinum is easier. Same points, no minimum spending required & no cap.

Same here. Easiest way to earn that 4k to 8k of miles

 

[ForumRider]

just now i called UOB regarding the 5% cash rebate for overseas spending..

CSO told me that 5% cash rebate is separate from UNI$. Meaning I will get 5% cash rebate + UNI$. Is that true?

All along I thought i will get UNI$ 5% rate and to get cash rebate, I need to use UNI$ and convert to cash rebate.

Can some one please clarify and enlighten me?

 

[adviseandadvices]

just now i called UOB regarding the 5% cash rebate for overseas spending..

CSO told me that 5% cash rebate is separate from UNI$. Meaning I will get 5% cash rebate + UNI$. Is that true?

All along I thought i will get UNI$ 5% rate and to get cash rebate, I need to use UNI$ and convert to cash rebate.

Can some one please clarify and enlighten me?

CSO told you the wrong thing.

You will get UNI$. You need to redeem S$100 credit with the 4000 UNI$ earned. This will work out as 5%.

You just get more UNI$ for the amount spent in foreign currencies.