17 July 2016

4 Credit Cards with Great Cashbacks and Discounts [updated]

Here are 4 credit cards that I use regularly. The first two cards from UOB and Citibank both offer rebates that are sometimes so similar I may not be getting the best deal if I use the wrong card. The other cards offer various discounts.

So this post is a reminder to myself to use the right cards when I frequent such places! Haha.


Citibank Dividend Visa Card

Esso - up to 20.88% (min $50 fuel)
Shell - up to 20.88% (min $50 fuel)
Burger King - 5%?
Prima Deli - 5%?
Starbucks - 10%?

8% discount only for >$350 in each category of Petrol, Groceries, Dining.

[Source: https://www.citibank.com.sg/gcb/credit_cards/citi_dividend.htm]

UOB One Visa Card

Singapore Zoo, River Safari - 5%+10%
Xpressflower.com - 5%
World of Sports - 2%
Metro - 2%
Caltex - 2% + 14%
Homefix - 2%
Cathay Cinema - 2%
Bengawan Solo - 3%
Breadtalk - 3%
Coffee Bean & Tea Leaf - 10%
Hard Rock Cafe - 3%
Overseas spending - 2% (max $100 rebate)

* Above are on top of SMART$ and a separate quarterly rebate of up to 3.33% based on consistent spending each month of the quarter:

Spend $500 per month for 3 months, $50 rebate.
Spend $1,000 per month for 3 months, $100 rebate.
Spend $2,000 per month for 3 monts, $300 rebate.

[Source: http://www.uob.com.sg/personal/cards/credit/uob_one_card.html]

OCBC Robinsons Visa Card

Robinsons, Marks & Spencer - 5%
Royal Sporting House - 5%
KFC Delivery - 10% (min $35)
Tajimaya Yakiniku - 10% (min $80)
Singapore Zoo - 20%
Night Safari - 5%
Golden Village Cinema - 4 for price of 3 (Fri-Sun only)
Agoda.com - up to 8%
Swissotel Equinoz - 20% off Sunday Brunch (till 2 Oct 16)

[Source: https://www.ocbc.com/personal-banking/Cards/robinsons-visa-platinum-card.html]

POSB Everyday Mastercard

Popular - 1%
SP Services - 1%
Starhub - 1%
Sheng Siong - 5%
Watsons - 3%
Hotels.com - 8%?
Hertz - 10%?
Overseas spending - 2%
All others - 0.3%

[Source: https://www.posb.com.sg/personal/cards/credit-cards/posb-everyday-card]

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The above is not comprehensive. I am only listing those that I am more likely to patronise.

For a wider comparison of credit cards, you may want to try: get.com

Ladies may find this interesting: Infographic: 2015's Best Cashback Credit Cards For Women In Singapore

Related:

13 comments:

Serendib said...

The Citi Dividend card is my perennial favourite - it may not always be the best, but its consistent, there is no min spend and the cash rebates are valid for a year

Jes said...
This comment has been removed by the author.
Jes said...

Hi Lizardo,

Seems like you can hit the minimum spending of UOB One card. How about OCBC 365 for food (3% to 6%), Esso (18.3%), groceries/online/telecom (3%)?

Lizardo said...

Jes,

UOB card minimum spending met. The rest goes into Citibank Dividend Card for the rebate. It has the same discount for Esso.

Looks I should explore OCBC 365 next. 8)

Lizardo said...

Serendib,

Citibank has indeed been a steady ship.

BfGf Money Blog said...

Oooh Nice post!

Just like to share the credit cards that my gf and I are using. She blogged about it here:
http://bfgfmoneyblog.com/bf-gf-credit-cards-best-credit-cards-in-singapore/

I will be sharing this informative page with her.

Thanks Lizardo!

Lizardo said...

BfGf,

By all means. Thanks for sharing as well.

SS said...

Thanks for sharing this post, Lizardo. Compared to the Citibank Dividend card, the OCBC 365 credit card suits us better because (1) we seldom spend more than $50 each time on groceries; and (2) half of our spending is on dining out, which the OCBC 365 card offers a better rebate.

Lizardo said...

SS,

Guess we should optimise against our spending patterns to better capitalise on the benefits. If it works, it works. Glad you have an optimised credit card to manage spendings.

Serendib said...

Lizardo, looks like the steady ship has decided to .. well not sink, but rather be rather unsteady. Min $888/mth required to qualify for rebate above 0.25%, rebates for petrol, dining and groceries are now 8%, but capped at $25 per category per mth - so if you spend about $300/mth on each category you're safe. Otherwise seems like OCBC 365 is the best rebate card around now...

Lizardo said...

Hi Serendib,

My credit expenses are high. So I think it still works for me.

But it gets increasingly confusing to manage and maximise the respective cards.

Anonymous said...

For UOB One card, it should be quarterly rebates of $50/$100/$300 for monthly spending of $500/$1000/$2000.

M

Lizardo said...

Thanks for highlighting on UOB One card.