Is it just me or UOB One online card application services are just so bad?

Yes it does, take a second glance at the quarterly cash rebate and you will notice that there is a total minimum spending of at least $500 monthly for three consecutive months to qualify for benefits.

I too have a joint one account with my partner and based on our experience, the supplementary card does not count towards the $500 minimum spend as we were made aware of this reality a few months into it. You can try to request another card for the main card holder making it two debit cards under the main holders name but say a MasterCard and one Visa. It will probably help both spending counts to hit the tier.

Well you definitely can as you should understand that a bank account is only one type of product the bank offers from very many. For me personally I have credit cards with both DBN and CITI but I have no bank accounts with them. Be rest assured they will give you an iBanking account to access the credit card rewards portal.

In my opinion, I think you can charge your expenses to the company then look into more cash back cards or get a miles card, however If your income is high enough then look into the higher tier cards, that is those with an income of $120,000 and above that offer free lounge access as this will make your travel more comfortable. So if you expect to be spending consistently more than the max cashback limit, then no harm looking for another card to accumulate more point. Good luck!

If you don’t have a payment slip, you can submit your Income tax statement as that works too but they will require about two years’ worth of it and a minimum annual income of S$30,000 OR a Fixed Deposit collateral of at least S$10,000. If you are able to automate payments of at least $500 to the card, it will get you 3% cash rebate. Also, you will have privileges to UOB promotions as well.

You need not worry about using your credit cards when buying your medical supplements here in Singapore. There are big pharmacies that accepts credit card transactions .You can just go directly to the local pharmacy, show your medical perscription i your medication needs one and just ask them to swipe your credit card and then you're good to go.

Singapore is known to be one of the safest countries in the world. Age restrictions are part of Singapore's safety measure so the answer to your question is "Yes" there are age restrictions in getting a landline in Singapore. You need to be at least 17 if you are a Singaporean Citizen and you need to be at least 21 if you're not a citizen.

Those with an annual income of less than S$20,000 may borrow up to S$3,000 from all moneylenders combined and those who earn more thanS $20,000 a year may borrow up to six times their monthly income from all moneylenders combined. Meanwhile, for foreigners residing in Singapore, a lower aggregate loan cap of S$1,500 will be imposed on those who earn less than S$10,000 annually. Foreigners who earn between $10,000 and $20,000 a year can borrow up to $3,000, and those who earn at least $20,000 can borrow six times their monthly income.

In a joint statement, the Ministry of Law (MinLaw) and Ministry of Manpower (MOM) said that foreigners living in Singapore will be subject to new aggregate loan caps and the self-exclusion framework for borrowing from licensed moneylenders just like Singaporeian citizens. This just implies that this will better protect foreigners such as yourself residing here and your/their employers from the effects of over-borrowing.

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

Just like in any country, there aren't many investments that guarantee your principal as well as returns in Singapore but of those that do, you should be very careful of scams. One other thing to understand is that when you get to enjoy such safety in your investments and visibility in your cashflows, you need to be prepared to accept a rate of return that is close to the risk-free rate. Your first bet is to invest on Singapore Government Treasury bills and/or Singapore Government Bonds. You can also try investing on saving plans or fixed deposits but the returns are low. If you want higher returns then you really need to invest on high risk investments.