Asked on 07 Nov 2019
What do you keep in mind when choosing them?
Without any doubt, for Paywave, use the UOB Preferred Platinum Visa (PPV). 4mpd, up to a cap of 1K per month.
If i am at a restaurant and they accept paywave as a payment method, i will use UOB PPV. At the cinema and paywave accepted? UOB PPV. However, do take note that UOB has a $5 block rule. Points are awarded in terms on $5. Spend $4.99? No points.
If i hit the cap, using what card for paywave will depends a lot on the merchant category and how much mpd i can get. At department store? Use OCBC Titanium Card or Citi Rewards Card for paywave. At a restaurant? Use Maybank Horizon Visa for paywave.
What is always in mind is always how to maximise mpd. Paywave is just another method of processing payment. Won't think too deep into it.
I would take the UOB PPV for its 4mpd earn rate, and the UOB Visa Signature if I know I will go over the $1K cap of the PPV. Unfortunately the UOB cards are all constrained by a number of problems such at the $5 blocks rule, etc. Still, their 4mpd earn rate makes up for it.
The UOB Preferred Platinum Visa Card gives 4 miles per dollar (through their UNI$ scheme) which looks very strong
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