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AMEX Rewards Card

Standard Chartered Rewards+ Credit Card

Credit Cards

What should I be comparing when I am deciding whether to get the AMEX Rewards Card or SC Rewards+ credit card?
J
Jaye
Top Contributor

Top Contributor (Aug)

Level 6. Master
Answered 9h ago
You would have a few deciding factors to consider: - Annual Fees (and the possibility of waivers) - Credit Card Benefits: think cashback, miles (can we fly soon?) and other rewards - Sign Up Incentives/Bonuses - Acceptance (eg acceptance of VISA compared to other providers like Master Card, AMEX, Diners Club) and for me, I also factor in the user interface and user experience of an issuing bank's mobile app as I have to deal with them to facilitate my card use and spend.
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Fresh Graduates

Savings

Credit Cards

Investments

I’m a fresh grad who has started work. I have consistently saved in Singlife & stashaway. A lot of people are recommending me to upgrade my normal posb acc to DBS multiplier. Should I do that?
AR
Antonius Ricardo
Level 3. Wonderkid
Answered 1d ago
There are many other accounts which are good for temporary substitutes : 1. Elastiq 2. https://sethisfy.com/income-gro-capital-ease/ Please read the details (lock in period, interest rate, etc)
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Forex (FX)

Investments

Retirement

Career

Lifestyle

Savings

Credit Cards

Online Brokerages

COVID-19

Forex Trading?
Lee John
Lee John
Level 7. Grand Master
Answered 1d ago
Advice: dont do it. People often get hyped about getting fast quick but one mistake and end up losing all. Build your wealth slow and steady with methods you properly understand.
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Credit Cards

Personal Finance 101

What is the best credit card combination for a working adult?
Lee John
Lee John
Level 7. Grand Master
Answered 1d ago
Depends on individual spending and preference for rewards, too many factors. Check out valuechampion.
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Credit Cards

Payments

Which credit cards are the best to pay monthly bills? eg. water, electricity, mobile?
Lee John
Lee John
Level 7. Grand Master
Answered 1d ago
Are you looking at cashback or miles? Miles: mileslion Cashback: Valuechampion.
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Credit Cards

SeedlyTV S1E01

How to know if paying tax using credit card through CardUp like service is worth it?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Answered 2d ago
I am a new user of Cardup. Below is my review. Review: Have been contemplating whether to embark on such a platform as I didnt feel secured. However, as more and more banks has stopped issuing points/ rebates for payment to insurance company, I decided to revisit Cardup. After reading up, I am encouraged by lots of reviews that it is indeed quite legit. So my plan is to spread my insurance payments into the different months and try to hit $2000 spending per month (a mixture of cardup for insurance and tax, and retail/ online spendings). I will charge all these to UOB One Card and get $300 cash rebate quarterly. In this way, I will be getting a rebate of 5% - Cardup fee of 2.6% = savings of 2.4%. This is quite decent. Note that for income tax, you can only make a lump-sum payment and monthly instalments is not allowed. By doing so, I do not need to crack my brains on how to spend $500 for my OneAccount to get the bonus interest too, as Cardup is considered an eligible spending. I can then channel my spendings to another credit card for other rebates. By using Cardup, if I spend $2000 consistently for 12 months (which can be quite achievable if you are paying insurance premiums for your family members), you will be getting quite a substantial amount of rebates! Moreover, sometimes, Cardup will have promotional rates, for instance, currently, for rent, there are charging 1.9% fee instead of 2.6% (valid till end Jun 2020) and 2.25% fee on other payments instead of 2.6% (valid till end Jun 2020). This is indeed quite worth it! Use my Cardup promo code PEIFANGC906 to get $20 off your 1st payment if you are keen to explore!
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Credit Cards

Savings

Cashback

Looking for credit card recommendations! My average monthly spending does not exceed $600. Spends more on dining and online retail. Particularly looking for cash back cards. Thanks everyone!?
MK
Mabel Koh
Level 2. Rookie
Answered 2d ago
I have similar expenditure, I’ll recommend DBS Live Fresh, 5% cashback capped at $20 for online and another $20 capped on paywave, if you find it hard to hit the min $600 expenditure, use it as ez-link (simplygo) when you take public transport, that way you can probably hit $600 min expenditure and receive a very good amount of cashback. Tips: can always pay for food when go out with friends and ask them to pay you back to hit min expenditure.
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Credit Cards

Miles

Cashback

AMA The Woke Salaryman

About to have some big-ticket expenses this coming month. Will it still be worthwhile to get a Miles credit card?
S
Samuel
Level 4. Prodigy
Answered 2d ago
Get the AMEX True Cashback card, 3% cashback on your first 5k.
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Credit Cards

Citibank

Standard Chartered

Cashback

Are credit cards with points system more worth it than normal cashback card? Take for example, Citibank SMRT uses point system but their rewards are pretty normal.?
Kevin Seah
Kevin Seah
Level 5. Genius
Answered 3d ago
Generally, cashback cards are used for general spending and miles credit cards are used for large purchases. Rewards credit cards come somewhere in between the two, for people who want to have an all-rounder type of credit card. The points can then be exchanged as cash vouchers or miles. Therefore, you will see that the rewards from these reward points credit cards are somewhat 'normal' as they do not skew much towards cashback or miles benefits.
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Credit Cards

Using Singapore credit card while working overseas?
Z
ZY
Level 5. Genius
Answered 4d ago
Technically yes. I think you are aware that there are extra charges for using your card overseas, usually 3+% on the amount charged. If you value the points more than that, then by all means do so. By the way, if you are working overseas, you should qualify for credit cards there, which may offer more attractive points. For e.g. The miles earn rate in US is pretty attractive.
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