If I pay my school fees through HSBC Advance credit card, do I earn cashback? if I charge my University fees (SIM) to it?

Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.

I pretty much use this card only when I know that I will spend more than $2000 in a given month and these transaction does not earn more than 2.5% cash back in other card categories. I don't really fancy their internet banking layout as it doesn't seems very friendly to me. Therefore I always rely on the paper statement to make payment.

My experience with their customer service is not clement furthermore not getting back to me on the queries I had highlighted but overall, it’s my card of choice especially with the 1.5% cashback across all categories, which allows me to buy discounted Golden Village Tickets and have access to HSBC 1 to 1 Dining deals. Until another credit card offers a greater than 1.5% cashback across all categories without a time frame, this is the card I am sticking to now.

I am a low spender hence it may not be easy for me to clock $500 monthly expenditure on credit cards but this is actually a good cashback card at 2.5%, especially where you spend above $2,000. Otherwise, other cards will be a better alternative to this for smaller purchases. This is a good cashback credit card for those who have high spending amount every month. My father uses it to pay for insurance premium as it gives cashback for insurance premium too.

I only just recently purchased this card. There are a lot of rebates features that come with the card, some I am still getting familiar with which I can use to offset my next purchases. When I signed up for this card I got $100 vouchers for it. However there are yet still a lot of promotions going on for this card.

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.

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 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.

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.