Can I make a dispute over a transaction if I am not satisfied with the quality of the product/service provided by the merchant?

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

Generally speaking, I find this card to be pretty good card as quite a number of the merchants that they partner with for the promotions are those whom I visit frequently to earn a decent cash rebate from my purchases and overall spending. And not until recently did I realize that one can get to earn additional bonus cashback with minimum spending of $888 in the statement month, so therefore with proper planning on all your bigger purchase it can help you gain more cash rebates faster.

Best card ever! I have been using their Citibank Credit Cards since 8 years ago. They are probably the pioneers of cashback cards in Singapore essentially changing from their Dividend card to Cashback card. I would like to point out that with this card you can get cash back by charging to the card and also get rebates or discounts for Lazada purchases and Petrol station top up too.

This card has not been pleasant for me, as a matter of fact I am having regrets about it. The card charges me interest every month despite me ensuring to pay up the full figure. I am left to assume that maybe these monthly interest were incurred due to lead-time of requesting them to rectify the previous error. Whatever the reasons may be, I just know that I am not happy with this card presently.

Even as all forms of customer service is done online one would expect that they would make the online customer service seamless however bad customer service is making it difficult for me to commute when problems arises. I even went further to send emails through my account asking them to return my call back, but received none till date save for tons of calls from their marketing department promoting their loans and other services

In respect to the cashback, I was informed that we need to accumulate 50 points before we can redeem it out. This prompted me to be using the card very frequent, but still the percentage of cashback was so low that I only succeeded in reaching 30 points. I have to say this is not a good system and there are better cashback cards out there.

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

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.

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.

The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.

For me nothing beats the 5% year-round cash rebates on dining, groceries, petrol and transport (that is taxis, ride hailing, trains and buses inclusive), locally and overseas when you spend minimum S$600 per month. And the cash rebate is capped at S$150 per month. So if you don’t drive, not to worry as you can enjoy 5% cash rebate for your transportation needs, be it a taxi ride, a booking made via ride hailing apps, or trains/buses.

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.