Love it or loathe it, the CPF is something that all Singaporeans and PRs have to accept as a way of life here. Central Provident Fund contributor, While there have been many vigorous discussions about our CPF in recent years. I want to do everthing that I can to increase my returns and make the most of my CPF.
I have held this card for quite a long time and one thing I like about the card is the fact that it is used for CapitaLand malls and they are almost everywhere. So I enjoy dining taking advantage of the 10x rewards merchants to accumulate the points faster. Imagine getting close to 6.5% rebates on dining. Not to forget their sign up bonus of $60 rebates in vouchers when you spend $1,500. That's a 4% rebate excluding the points you will earn which will convert into vouchers too.
American Express CapitaCard / American Express International
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%.
OCBC 365 Credit Card / Oversea-Chinese Banking Corporation
I find it very pleasant and rewarding the Platinum Wellness offerings of the AMEX Express Platinum Credit Card as I get to rest and replenish after a hard week at work. I treat myself to spa privileges that come with my Card Membership with spa vouchers from Adeva Spa, Spa Rael and The Ultimate. I do this one’s a week and enjoy up to 40% off à la carte spa services at Adeva Spa, Spa Rael and The Ultimate. Simply relaxing and feels good to be pampered.
American Express Platinum Credit Card / American Express International
OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.
FRANK Credit Card / Oversea-Chinese Banking Corporation
My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.
HSBC VISA Platinum Credit Card / HSBC Bank Singapore
The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.
American Express Singapore Airlines KrisFlyer Credit Card / American Express International
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Your Ordinary Account earns 2.5% interest per year or the 3-month average of major local banks’ interest rates, whichever is higher.Your Special, Medisave and Retirement accounts earns 4% interest per annum or the 12-month average yield of 10-year Singapore Government Securities plus 1%, whichever is higher From January 2016 onwards, the CPF will now pay an extra 1% interest per annum on the first $30,000 in your CPF accounts. This is on top of the additional 1% interest that is already paid on your first $60,000