How do I earn more STAR$ using the American Express CapitaCard?

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.

The American express CapitaCard is my first credit card and I find the sign up bonus attractive as I received $20 CapitaVouchers, which come in the form of STAR$ after being referred by my friend while my friend would receive S$30 CapitaVouchers also in the form of STAR$ after referring to me. Besides that, you can get to earn STAR$ points when shopping at Capitalmalls.

I feel this card is only worth its onions because of the sign up bonus. However subsequently, it might be good for families that spend most of their time in capitaland mall for the "free carpark". Pretty much this card offers features that revolve your life around capitaland malls and if you are not excited by that then you could try other cards. By the way this is the only credit card that can be used to purchase capita vouchers

It feels quite good to receive a lot of capitastar points when spending with this card, but still it is not really worth it to convert points to capitamall vouchers and other in-app deals are more value for money. I actually held this card for close to one year when Amex decided to charge me annual fee for second year and couldn't waive it because my spending wasn't high enough to justify the waiver, I converted it to the true cashback card.

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 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.

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

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

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.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.