Yes. You will get a separate 5% rebate for Grab on top of your quarterly cashback capped at $100 per statement month. For example, if you hit $500 for each month in a quarter and of that, $100 was spent on Grab transactions, you will receive $50 cashback and a $15 Grab rebate at the end of the quarter.

There is no defined statement that states the exclusion for UOB One. Section 5: https://www.uob.com.sg/assets/pdfs/onecardfull_tnc.pdf Here is everything about me and what I do best.

1. The total amount spent on your card is $1,100. Since there is a cash rebate of $150, this amount is used to offset part of your bill. Accordingly, you will only need to pay $1,100 - $150 = $950 for your October’s UOB One credit card bill. 2. Depends. Most cash back cards work the same way, i.e. you will only need to pay the net bill (total spent minus cash rebate) In any case, you may refer to the “total amount due” on your statement to ensure that you pay the correct amount for your bill.

Do you expect to be consistently spending more than the max cashback limit? If it's for travelling for work like you said (and I guess business expenses are reimbursed), then no harm looking for another card to accumulate more points!

According to InstaReM, cashbacks, reward points & airmiles will continued to be earnt across your cards Source (right at the bottom): https://www.instarem.com/en-sg/amaze

Most credit cards do not include the transfer of money to another e-payment system in their credit card points, cashback, minimum spending. You may check directly by calling UOB.

I would say both have its own strength and weakness. For DBS Multiplier, you can hit actually hit salary crediting, credit card spending and investment category. If you were to do a SSB ladder, you can get the investment category part of the crediting dividends as long as they don't change the criteria. All you need to do is to buy 6 months of SSBs consecutively and make sure your CDP is connected to DBS/POSB account. This way, after the 6 months of buying SSBs, you will receive SSBs interest every month for 10 years which will count as investment category under DBS multiplier. SSB minimum amount is $500 every time so it will take you at least $3,000 but of course, you can put more if you want to. The more transactions you have with DBS, the more interest you get. But for me their credit card doesn't really suit me, they have slightly higher minimum monthly balance, an additional step which is the SSB ladder and I don't have that much transactions in the first place. For UOB one, their credit card gives cashback for most stuff although you have to spend at least $500. (not very hard if have fixed expenses that UOB one give cashback.) Their EIR or effective interest rate is only 2.44% if you have 75k in the UOB one account. They also allow 3 giro transactions instead of salary credit so a bit different as well which means if you plan to keep a big amount of money with the banks you can do both DBS multiplier and UOB one at the same time with a single salary crediting. The headache part is if you don't hit $500 for a single time, you won't get the interest and you won't get the cashback for the quarter. Overall, just choose the accounts and credit cards that suit your need the most.

The one who told you the supp card cannot hit the tier is wrong. According to UOB One Card T&C, here are key points: 1) “Card Transactions” means the transactions successfully charged to the Card Account by the Principal Cardmember and the Supplementary Cardmember, AND posted on the Bank’s systems, but excludes the Exclusions. 2) Tier 1 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$500 but less than S$1,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 3) Tier 2 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$1,000 but less than S$2,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 4) Tier 3 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter (ii) is at least S$2,000; AND (iii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. In short, as long as you, the main cardholder, have 5 transactions per month, and your total spend across your card (main card) and your SO's card (supp card) hit at least $500, you are eligible for cash rebate. Link to T&C: https://www.uob.com.sg/assets/pdfs/onecardfulltnc.pdf Hope this helps!

Yep it does. If you are looking at the quarterly cash rebate, note that there's a total min spending of at least $500 monthly for 3 consecutive months.

Hi Anon, Jonathan from Seedly here! Could I trouble you to contact [email protected] so we can better understand the problem you are facing and work to solve it? Thank you!