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Albert Millardo

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Albert Millardo

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POSB Everyday Card

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Albert Millardo
Albert Millardo
Level 3. Wonderkid
Answered on 24 Oct 2018
Nope there is no minimum spending for POSB Everyday Card. However though the cash rebate is not directly credited to your credit card account. It will be in terms of Daily$ which you will need to manually redeem to offset your credit card balance.

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Albert Millardo
Albert Millardo
Level 3. Wonderkid
Answered on 05 Sep 2018
My card strategy for my wedding payment: 1. UOB One Card Ask if your wedding venue (most hotels should be okay), if they allow you to pay monthly up to your wedding day. If yes, then you can maximize by charging the card $2k for every month and that will give you 5% rebate. Note: UOB One Card requires 5 transactions per month to qualify for the rebate (just simply buy water at NTUC also can :p) AND please check your statement quarter as the rebate is calculated per quarter basis and missing one of the month in the quarter will disqualify the rebate. 2. DBS Debit Visa Paywave / Contactless (Beep Beep Kaching promo) This is good for small items that you might need for your wedding as this debit card can give you 10% rebate (promo til end of September) or 5% (normal rebate). Note: Minimum spending of $400 and maximum $50 rebate. Only transactions below $200 will be considered for the cash rebate, so if the amount is more than $200, ask the merchant if can split into several transactions. I've tried with my bridal studio and managed to split into 6-7 transactions for $2k bill so I can maximise both me and my fiance rebates :) 3. Amex True Cashback For everything else. New sign up will give you 3% rebate for the first 6months with maximum of $5k. So you can utilize this til you hit $5k. After 6 months or beyond $5k will only earn you 1.5%. 4. HSBC Advance Card For everything else. Spending above $2k will give you 2.5% which is 1% higher than Amex True normal rebate or StandChart Unlimited. The cashback is capped with total spending of $2800 though. So do not spend more than that, unless you have an Advance banking relationship with them. Then it's different story. 5. SC Unlimited Card For everything else after you hit all the above. This card will give you 1.5% rebate, similar to Amex True Cashback. However not all merchants accept Amex. So it's good to have this just in case. No cap on the cash rebate. 6. SC Manhattan Card This card is actually discontinued. However if you have this card then you can use this as it will give 3% cash rebate per quarter. I forgot the mechanics to maximise it so please check it online! Extra tips: Sign up credit cards from third party site such as: SingSaver, BankBazaar, MoneySmart, Finty, GoBear. All these sites will normally give you extra perks such as cash gift / capita vouchers / ntuc vouchers etc on top of the welcome gift from the bank by signing up through them. Compare the gifts given for each site and decide :).

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Wedding

Credit Card

Albert Millardo
Albert Millardo
Level 3. Wonderkid
Answered on 08 Jul 2018
If you can spread the payments for a few months, then go for UOB One and pay $2k monthly. That will give you a 5% rebate. Do take note their rebate is quarterly (every 3 months) and if you miss one month then you will not get any rebate. To complement that card, go for SC Manhattan if you have the card. That will give you 3% rebate. There is a min spending to get that 3% but I cant remember. And the card is actually no longer offered the last time I call StandChart. Next best will be Amex True Cashback if you do not havr the card yet as they will have a 3% rebate promo cashback for 6months when you sign up. But maximum of $5k spending. Then after that will be HSBC Advance which will give 2.5% for min spending of $2k. But it has maximum cashback of $70 (so spending max $2.8k).
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