Wednesday, 21 November 2018

HSBC Visa Platinum Credit Card - Benefits have been enhanced

The new HSBC Visa Platinum Credit Card now gives you yearly savings of up to S$1,000 with 5% cash rebate* on dining, groceries and fuel.

Simply charge a minimum of S$600 to your HSBC Visa Platinum Credit Card every month in a calendar quarter to earn cash rebate on the categories below. Rebate is capped at S$250 per quarter.

5% cash rebate on fuel
On top of up to 16% instant discount at Caltex and Shell stations
5% cash rebate on dining
5% cash rebate on groceries

Sunday, 18 November 2018

BOC : Family Visa Platinum Card - New TNC w.e.f 10 Dec 2018

Total rebate is reduced from $100 to $80
Min spend increased from $700 to $800

-10% Dinning rebate capped at $25
-Transport, Online, Supermarket and Telco reduced from 5% to 3%, capped at $30
-5% for selected merchants (BEST Denki, POPULAR Bookstore, Unity Pharmacy, Watsons and Welcia-BHG), rebate capped at S$25
-Remove flashpay auto topup rebate

Time to cancel this card...

http://bit.ly/FCDec18

Eatigo – Discount For Restaurants In Singapore!

Eatigo provides time based discounts for dining at restaurants.

Depending on the time you dining at the participating restaurant through Eatigo booking, your discounts can be anything from 10% to 50%.

How?
Go to eatigo or download their app IOS or Andriod
Search for your favourite restaurants
Select your date, time and number of people
Enjoy! Discounts are automatically applied.

Note:
No coupons needed!

Maybank iSAVvy savings account - up to 1.90% p.a.(till 31 Dec 2018)

This Promotion is available from 1 July 2018 to 31 December 2018

Maybank iSAVvy savings account is an online savings account.

More info here

Friday, 9 November 2018

CIMB Visa Signature card (improved benefits w.e.f 23 Nov 2018)

CIMB has recently improved the benefits of CIMB Visa Signature card.

Key benefits:
-10% cashback on dining and wine, groceries and online spending
-No credit card annual fee 

Notes:
- Included both local and overseas transactions
- Online payment for dining will fall under Dining category
- Online payment for grocery will fall under Grocery category
- Cashback does not include transactions with descriptions containing “Ez Link”, “Transit” and “Transitlink”.
- Minimum spending of $600 per statement month
- Cashback capped at $50 per category (hence not to spend more than $500 for each category)
- Total cashback cap is $100 per month
- To qualify for the 10% cashback, the minimum spend can consist of all spending, however, the cashback will only be awarded on spend falling within the designated spend categories




P.S. Someone created a spreadsheet to track valid expenditure that entitle for cashback: https://tinyurl.com/cimbvisasig


My personal notes:
1. SWEE HENG BAKERY -> no rebates

Tuesday, 6 November 2018

CIMB - 1.9% p.a. promotion till 30 Nov 2018

Get 1.90%* p.a. on CIMB's SGD Fixed Deposit from now to 30 November 2018! Did you know that with our CIMB Why Wait Fixed Deposit-i, you can collect your profit, upfront without waiting for your deposits to mature?

What's more, min. placement is only S$10,000, it's all done online and takes only 10 mins. To apply, visit www.cimbbank.com.sg/whywaitfdi-promo

*T&Cs apply. Insured up to S$50k by SDIC.

Sunday, 21 October 2018

DBS Multiplier Account FAQ (for my own info)

The below key information is extracted from the official DBS Multiplier Account FAQ for my own reference.


Fall-below fee $5 for Average daily balance of <S$3,000


Do I have to move my existing banking transactions in other DBS/POSB accounts to the Multiplier Account to enjoy the higher interest rates?

That is not necessary. Once you open your Multiplier Account, your eligible transactions will be tracked across the different products you hold with us. 


When will I receive my interest?

Base interest - Last calendar day of each month
Preferential interest  (if any) - 7th working day of the following month


To get high interest rate :
Up to 2.08% p.a. if your Salary Credit and transactions in 1 category adds up to S$2,000 or more • Up to 3.5% p.a. if your Salary Credit and transactions in 2 or more categories adds up to S$2,000 or more


My salary is credited into a joint account. My joint account holder also credits his salary into the same joint account and we each have our own Multiplier Accounts. What’s the salary credit amount recognised for me then?
It is the total amount of eligible salary credits in that joint account.  Example: John and Mary credit their salaries (S$3000 and S$3100 respectively) into a joint DBS eMCA account. They have their own Multiplier accounts too. They are each accorded a total salary credit amount of S$6,100.


My joint account holder and I credit our dividends from Central Depository (CDP) into a joint account. We both have our own Multiplier accounts. How will the dividends be recognised? The combined total dividend credits in that joint account will be recognised. 
Example: Michael and Sally have CDP dividend credits (S$800 and S$700 respectively) in a joint DBS account. They both have their own Multiplier Accounts. They are each accorded a total dividend credit amount of S$1,500