If I already have a monthly GIRO arrangement with IRAS, is there any point signing up for a payment facility with my HSBC Visa Infinite Credit Card?

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

I find this card to be a good miles-buying opportunity for 40,000 miles at S$488 for HSBC Premier Clients. The unlimited priority pass for both the principal and supplementary cardholder(s) makes this card worth the fee alone but provided of course that there are supplementary cardholders to share the benefits with and that it will be heavily utilized.

On my last overseas trip I discovered that the departure airport limo service offered by the card is a major plus point while the meet-and-assist can be helpful at overly crowded airports without Fast-Track/ABTC/Diplomatic lines. HSBC Premier Clients get to receive four of each benefit upon registration and an additional one of each service for every block of SGD 2,000 spent in a month, all up to 24 a year. Although the services can only be utilized by the principal cardholder only. This card is overshadowed by its poor mile earn rate of 1.0 mpd for local spend and 2.0 mpd for overseas spend, that is superseded by non-fee cards such as the PrviMiles.

To me the HSBC cards have only one good benefit in which they are able to purchase discounted Golden Village movie tickets at a rate that is far better than any other bank's credit cards or prevailing rebates. I find that this is the only plus point of this HSBC credit card and otherwise, this card is a hit and run for me and you can sign up for only its sign up gift and also for discounted Golden Village tickets.

This card offers the most of travel and lifestyle privileges extended to you with personalised assistance from their dedicated concierge service, who can actually be called upon anytime of the day and from wherever one may be. Whether it's making flight or hotel bookings, reserving spa appointments, or recommending dining options, they are always delighted to be at your service.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.

A 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations

OCBC Voyage Card is perfect for well-off consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Consumers earn 2.4 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Consumers are most likely to benefit from OCBC voyage card if they spend most of their budget locally, with at least 25% of local spend on dining.