Would I earn a cashback on my HSBC Advance credit card if I charge my University fees to it?

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 pretty much use this card only when I know that I will spend more than $2000 in a given month and these transaction does not earn more than 2.5% cash back in other card categories. I don't really fancy their internet banking layout as it doesn't seems very friendly to me. Therefore I always rely on the paper statement to make payment.

My experience with their customer service is not clement furthermore not getting back to me on the queries I had highlighted but overall, it’s my card of choice especially with the 1.5% cashback across all categories, which allows me to buy discounted Golden Village Tickets and have access to HSBC 1 to 1 Dining deals. Until another credit card offers a greater than 1.5% cashback across all categories without a time frame, this is the card I am sticking to now.

I am a low spender hence it may not be easy for me to clock $500 monthly expenditure on credit cards but this is actually a good cashback card at 2.5%, especially where you spend above $2,000. Otherwise, other cards will be a better alternative to this for smaller purchases. This is a good cashback credit card for those who have high spending amount every month. My father uses it to pay for insurance premium as it gives cashback for insurance premium too.

I only just recently purchased this card. There are a lot of rebates features that come with the card, some I am still getting familiar with which I can use to offset my next purchases. When I signed up for this card I got $100 vouchers for it. However there are yet still a lot of promotions going on for this card.

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.

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.

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

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

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.

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%.