What do you think of the UOB YOLO for a student based on your personal experience?

If you refer to the requirements to earn the additional of 8% and 3% then you should simply spend a minimum amount of $600 in a statement month as total rebate is capped at S$60 per month. To answer your second question, there are transactions that do not earn rebate such as payment of funds to prepaid accounts, instalments payment plans, Charitable/religious organizations, government institutions and services, Balance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals, other financial charges.

Hello there! The following transactions do not earn rebates and they include Payment of funds to prepaid accounts, Instalment payment plans, Charitable or religious organizations, government institutions and services, Balance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals, other financial charges. The bank identifies transactions and their categories via codes assigned by Visa. These are not decided by the bank but rather by the merchants and their acquiring banks.

From my personal experience, they offer pretty attractive dining and entertainment offers, but only if you visit these places. Overall I think they are decent but not the best cashback program. Easy to use for the rebate on weekend and definitely a must for dining and entertainment. It appeals more if you are a youth but I use only mostly use when I dine with friends or watch the movies together, will try to use more next time , now paying minimum payment of $100 for $3000 spent till next pay check.

If you are a tourist then you don't need to worry because it will not apply to those with a temporary presence in Singapore, It will only apply to foreigners who are holders of Work Passes, Long Term Visit Passes, Short Term Visit Passes, Dependant's Passes and Student Passes.

The number of foreigners borrowing from lic.ensed moneylenders increased from 7,500 in 2016, the number rose to 35,000 in the first half of 2018 alone. This is one of the reasons why they changed the law. The police have also observed more foreigners here borrowing from unlicensed moneylenders

Identification or a residence card is required to apply for a telephone line. This must be presented with the completed application form of the chosen service provider. There are four ways to apply: Call the telephone provider, online application, visit the store or visit the customer service provider.

At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.

The main phone provider in Singapore is Singapore Telecom. They provide both land and mobile phones as well as Internet access. The telephone number for Singapore Telecom is 1-800-738-1311 or 1-609-738-1311. When getting a landline installed, it normally takes five business days. These phones are capable of both national and international calls.