Can I get someone to explain the term Balance Transfer?
What is the meaning of the term Balance Transfer with the OCBC Platinum and can unused credit limit be converted to extra cash with flexible repayments?
What is the meaning of the term Balance Transfer with the OCBC Platinum and can unused credit limit be converted to extra cash with flexible repayments?
This is probably the only multi-partner loyalty program that allows you to manage your points, exchanges and programmes almost effortlessly. The really try to make rewards programme members really happy.The card allows us to manage rewards points balances and expiring points across participating rewards programmes, all on one single platform. So you can in effect do away with the pain of slow point’s accumulation.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
Probably the best Family-Friendly cards out there which is committed to take care of you and your beloved family. If you charge childcare and enrichment programmes to your card, you will get to save up to 35%, and for every S$1 you spent, you will earn 1 OCBC$. You can then redeem your accumulated OCBC$ for Robinsons vouchers, dining vouchers, and more. Alternatively, you can transfer your existing card to OCBC with OCBC balance transfer programme of 0% interest charge for up to 1 year of repayment period. The processing fee will be 1.68% for a 3 months repayment period; 2.50% for a 6 months repayment period; and 4.50% for a 12 months repayment period.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
With respect to fees and charges, you will enjoy 2 years annual fee waiver for principal and supplementary cards. Annual fee for main card and supplementary card is S$160.50 and S$80.25, respectively. Sadly if you don’t maintain a good credit history on your card, you will need to pay interest of 25.92% per annum, with minimum charge of S$2.50. If no minimum monthly payment is received by payment due date, you will be charged for late payment, S$100. Minimum monthly payment is S$50, or 3% of your total balance, whichever is greater, plus amounts exceed of the credit limit and/or overdue amounts. Withdrawing cash will charge you S$15, or 6% of withdrawn amount, whichever is greater.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
The OCBC Platinum Credit Card is a rewards card that is targeted towards families as it offers special deals and perks on activities, shopping and recreation. The OCBC$ rewards programme allows cardholders to earn 1 OCBC$ rewards point for every dollar spent on this card. Another advantage worthy of note is that these points do not expire for 5 years, and therefore will give cardholders enough time to accumulate points to redeem for rewards that matter.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
Introductory annual fee waived for the first two years. You should take advantage of having no principal or supplementary cardholder fees for the first two years of this card after that, the principal cardholder annual fee is $160.50, and the supplementary cardholder annual fee is $80.25. Additional benefits of the card include discounts and offers spanning a wide range of categories from travel to childcare.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
OCBC$ rewards programme allows me to earn 1 OCBC$ for every dollar charged to my card. These can be redeemed subsequently for vouchers at a number of stores and malls such as Robinsons, TANGS and Orchard Central. Make the most of the free time with your family engaging in family activities and entertainment discounts For instance, you get to enjoy special discounted rates at Pororo Park Singapore, MasterCard privileges at Adventure Cove Waterpark and S.E.A. Aquarium, movie ticket discounts at Cathay Cineplexes and Shaw Theatres and more.
OCBC Platinum Credit Card / Oversea-Chinese Banking Corporation
HSBC Personal Loan
First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.
American Express Personal Card / American Express International
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.
OCBC VOYAGE Card / Oversea-Chinese Banking Corporation
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.
American Express Rewards Card / American Express International
In my opinion, this card is one of the best cards in the market especially as there are no expiry date to miles earned and an amazing 2 VIP airport lounge access. I love the fact that the card can be used for major big ticket items and to clock mileage. Redemption can be done easily without hassle and customer service staff are very helpful
Citi PremierMiles Visa Card / Citibank Singapore
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
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
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The OCBC Balance Transfer basically allows you to convert the unused available limit on your OCBC Credit Card or OCBC EasiCredit account to cash and enjoy interest savings on it, therefore allowing you to get extra cash for the things you need without the stress that comes with high interests. This is an interesting deal as it highlights a 0% interest with a one-time processing fee for 1 year from as low as 4.5% p.a. (EIR from 5.20% p.a.) and a flexible minimal monthly repayment of 3% or S$50 of your total outstanding balance, whichever is higher.