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Anonymous
Would you prefer Standard Chartered Unlimited or Citibank Cashback Credit Card?
I presently have a Citibank Cashback Credit Card and am considering moving to Standard Chartered Credit Card. The reason for the move is that it is more convenient for the monthly bill.
Citibank has a minimum required amount of cashback deduction ($10, $20, or $50) and allows the user to send an SMS to deduct from the credit card bill, while Standard Chartered automatically deducts from the bill.
What would you do if you are in the same situation?
(I haven't move because of deals)
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thefrugalstudent
06 Apr 2021
Founder at thefrugalstudent.com
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Hi Anon,
Are you referring to the Citi Cashback (8% cashback with $888 spend) or the Citi Cashback+ (1.6% cashback)? If you're using the former, then it would be a big drop in cashback earned from 8% to 1.5% if you switch to SC unlimited cashback, which is probably not worth that convenience factor, if you can hit the $888 spend.
If you're using the Cashback+, and would prefer something more convenient, then I'd say just go for the switch since 0.1% isn't much anyway. Besides the SC unlimited cashback, you may want to consider AMEX true cashback as well. It offers the same rate of 1.5% cashback, but also awards cashback on Grab top ups. So if you use Grab frequently, it may be a better alternative. Otherwise, you can also consider the available sign up bonuses before deciding between SC or AMEX.
Hope this helps & all the best!
Regards,
thefrugalstudent