Standard Chartered Unlimited Cashback Credit Card
Asked by Anonymous
Asked on 04 Nov 2019
I spend about $600 per month and have to top up the credit card before the bill is here. Thinking of going for UOB One or SCB Unlimited Card. Any advice?
UOB One's general rebate is really hard to fully take advantage of - for the headline "up to 5% on everything" - the key part is UP TO you need to get exactly $2k per month for 3 months to get the 5%. Any less and you get lower tiers (3.3% or worse), even any higher you won't get more cashback so starts to effectively be lower than 5%.
Given your spend amount - you could qualify for lowest tier and if you are confident that you could put through $500 per month consistently then maybe worth considering otherwise I would give it a pass.