Which is your most preferred credit card?

[edunloaded]

I am also the type of person with many cards!


Various cards offer different discounts at different vendors.

So i try to carry a variety of cards, so as to maximize promotions.

But I mainly use the POSB card and previously the Citibank Dividend Card.

I try to make all my purchases on 1 card! :lol:

[sunset_dae]

I got UOB ladies card and POSB everyday card.

However it always give me a :!: when i see my bill!

So im cutting down on using CC to make payment for my purchases as i find it hard to keep track of what i spent…

[MMM]

edunloaded:

I am also the type of person with many cards!


Various cards offer different discounts at different vendors.

:lol:

:lol: I bought those plastic card holders to store all my CC and discount cards. I carry it around and will determine which card to use when making payment.

I also use the various cards for the following :
1) Diners - instalment and admin fee free road tax payment
2) Amex Krisflyer - to earn krisflyer points faster - This is my 2nd year and they waive off my annual fee so I am happy to stay with them

I don't believe in paying for CC. I would usually call for a waiver. If they can't, then just cancel the card. It's their loss not mine :lol: Usually the bank will oblige.

[edunloaded]

Ya that's true!


There is no need to pay for annual fee or the occasional late payment.

Competition is very tough, so they will waive their fees!

:lol:

[mwchua]

hello,


Wish to seek advice. Any idea which credit card offers cash back deal ?

As in they really issued you a cheque for cashback and not offset against future purchases?

Thanks.

Rgds,
Ming

[tired mom]

Hi


citibank dividend card does. there is a certain percentage of cash rebate (ranging from 0.5 to 5% depending on whether petrol/ groceries/ pharmacy or general merchandise). When the cash rebate hits $50, they will send you a cheque

[hquek]

mwchua:

hello,


Wish to seek advice. Any idea which credit card offers cash back deal ?

As in they really issued you a cheque for cashback and not offset against future purchases?

Thanks.

Rgds,
Ming

POSB everyday card has a cashback option - no rewards points but you can claim the amounts earned against invoice charged. But you have to manually click on redeem when logged into internet banking. There is also a small minimum amount. Good thing about it is the 5% rebate when you go Carrefour.

I use Standard Chatered Xtrasaver. It's a debit card (so you need to have $ in the bank), minimum of 6k at anytime to enjoy the rebate - but there is no minimum sum to be retained otherwise (ie they don't charge you $2 everymonth if you do not maintain the sum). 1% off credit card purchases, 0.5% off nets purchases, 7% off petrol (any station). Full amount credited into your account every month - no minimum value.

[Andaiz]

Hi there, just thought you may like to visit this thread for the discussion thus far:


http://www.kiasuparents.com/kiasu/forum/viewtopic.php?t=3568&highlight=credit+cards

Mods, please merge!

[MMM]

mwchua:

hello,


Wish to seek advice. Any idea which credit card offers cash back deal ?

As in they really issued you a cheque for cashback and not offset against future purchases?

Thanks.

Rgds,
Ming

I am using CIMB and the cashback is on all items and against the current month bill. So it's as good as issuing you a cheque. Think it's around 4.4%.

[KSP]

UOB Signature.