This card is highly recommended if you shop at Robinsons and Marks & Spencer. One could earn a rebate of 5% with no minimum spend. With more spending, one could earn a rebate of up to 10%. For example, if one spends $8000, the first $5000 earns him/her a rebate of 5% and the next $3000 earns him/her a rebate of 10%. Otherwise it is a pretty average card.
The phone system is not intuitive. I had to key my card numbers many times before it registered. I keyed in correctly but it keep saying wrong card number. But when I tried to speak to customer service, first it said the system is down and to try again later. I tried the next day and was put on hold for more than 10 minutes until I gave up.
This is one of my favourite credit card for shopping! I mainly use this card during Robinsons sales as on top of the Robinsons discount, this card also gives a very good cashback of 5% with no minimum spend required. If buy expensive stuff like mattress the expenses can easily reach few thousands dollars, cashback will be upgraded to 10% if spend beyond 5k within the qualifying period. This is literally the more you spend the more you save. 😄