I wish to settle off my UOB personal housing loan in full as I am expecting some inheritance from my mother’s family. I would like to use the opportunity band free myself of the housing loan I have with UOB personal loan.
So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.
OCBC Robinsons Group Credit Card / Oversea-Chinese Banking Corporation
My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.
HSBC VISA Platinum Credit Card / HSBC Bank Singapore
This card offers a few thrills if you are one for accumulating miles as you can earn 1.3 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, you can earn 2 KrisFlyer miles. Furthermore the card allows earnings of 1.3 KrisFlyer miles for every S$1 spent locally in Singapore dollars on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, earnings are 1.4 KrisFlyer miles. Highly recommended for those who seek to accumulate miles.
American Express Singapore Airlines PPS Club Credit Card / American Express International
I find it very pleasant and rewarding the Platinum Wellness offerings of the AMEX Express Platinum Credit Card as I get to rest and replenish after a hard week at work. I treat myself to spa privileges that come with my Card Membership with spa vouchers from Adeva Spa, Spa Rael and The Ultimate. I do this one’s a week and enjoy up to 40% off à la carte spa services at Adeva Spa, Spa Rael and The Ultimate. Simply relaxing and feels good to be pampered.
American Express Platinum Credit Card / American Express International
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
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.
OCBC Cashflo Credit Card / Oversea-Chinese Banking Corporation
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As stated in the Letter of Offer, you have to give the Bank three months’ written notice to redeem your loan or pay three months’ interest in lieu of notice. You should appoint a lawyer to act for you in your loan redemption and to provide the date for completion. The Bank will appoint its lawyer to act for the Bank if your lawyer is not on the Bank’s panel. The lawyers will handle the legal documentation for the discharge of the mortgage and release of the title deed. Please check your Letter of Offer for any applicable fees/refunds to be made to the Bank. Please also note that all legal fees including fees for the discharge of mortgage are to be borne by you. During the redemption process, the Bank will provide only one preliminary statement to your lawyer three weeks before the completion date and one final redemption statement on the actual day of completion. Any subsequent requests for additional redemption statements or changes in completion date will result in additional fees being imposed. Please note that you are required to serve a fresh notice to the Bank if your loan is not redeemed upon the expiry of the three months’ written notice. Please note that the Bank will not accept any request for capital partial prepayments after they have received your notice of redemption. Any capital partial prepayment notices received prior to the banks receipt of your redemption notice will be treated as cancelled. The Bank’s final claims may include any unpaid insurance premium and related borrowings such as credit card overdue amount. Your cashier’s orders for your full settlement must be received by the Bank before 10am on the day immediately after the date of completion otherwise additional interest will be payable. For a completion date that falls on a Friday before the weekend or the eve of a public holiday, you may arrange with your solicitor to provide advance written authorization to the Bank to debit from your designated account. This will avoid payment of additional interest accruing over the weekend or public holiday. If your credit facilities or loan is fully paid-up, you may wish to engage a lawyer to discharge your mortgage with the Bank. Otherwise, please note that there is an annual custody fee payable for Title Deeds that continue to be kept with the Bank.