I am a student and want to reap extra benefits like air miles when I use my card to pay my school fees, which card will benefit me?

I can afford to pay the fees but I just want to reap extra benefits like air miles from recurring payment such as insurance and Spotify.

  • user image

    No Name

    From my knowledge, Amex true cashback offers cashback for just about anything you can think of plus all new signups get 3% cashback up to $5000 for the first 6 months after which it drops to 1.5%.

    2019.08.01 2:16

    Please leave your knowledge and opinion!

    Recommending Reviews

    Customer care service at top notch

    American Express True Cashback Card / American Express International

    This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

    A great cashback card for people who are making large expensive life commitments

    American Express True Cashback Card / American Express International

    As is the case with most unlimited cashback cards, the Amex True Cashback Card is a great cashback card for people who are making hugely expensive life transitions. For example paying for a 5-star hotel wedding banquet or moving into a new home type of purchases would fit perfectly with this card.

    This credit card can not be used to repay your home loan.

    American Express True Cashback Card / American Express International

    Before we get all excited, let’s first try to put the record straight, and that is that you cannot use your credit card to repay your home loan. I find this to be very unfortunately but irrespective, it pays to sign up for a credit card with very relaxed terms & conditions when you’re about to move in to your new home. That is because, apart from home loan repayments, you’re going to be paying for a lot of assorted items like furniture, appliances, renovations, an interior designer, etc. Many of these won’t fall into bonus cashback categories like online shopping, dining or groceries.

    Benefit even more from the True Cashback Card when you travel overseas

    American Express True Cashback Card / American Express International

    It is worthy to note that you can benefit even more from the True Cashback Card when you travel overseas. You get to enjoy an additional 1% cashback on all foreign currency spending with no minimum spending requirements, even through your Welcome Bonus period. In order to enjoy the additional 1% cashback, existing and new card members must register online at amex.co/tcbfcs.

    Enjoy 3% cashback on everything you spend on in the first 6 months up to $5,000

    American Express True Cashback Card / American Express International

    Generally this is a cashback card as you get to enjoy 3% cashback on everything you spend on in the first 6 months up to $5,000. Subsequently, you get 1.5% cashback. At first glance, the cashback rate of 1.5% may not be impressive especially when other cards are offering cashback rates as high as 6% to 9%. But upon closer inspection, cards that offer very high cashback rates usually only do so subject to two conditions; spending in certain categories, and that you satisfy their minimum spending requirements.

    1.5% cashback rate is offered with no strings attached.

    American Express True Cashback Card / American Express International

    While certain cards might limit their generous cashback rate to specific categories for e.g. online purchases only, and/or require you to spend at least $600 a month to qualify for the cashback. In that respect therein lies the American Express True Cashback Card’s real strength, which is their 1.5% cashback rate is offered with no strings attached.

    Recommending Forums

    I know there are many but what is the best credit card to use to book Singapore Airlines for cash back?

    American Express True Cashback Card

    What are the advantages of an Amex True Cashback Card for a fresh graduate earning about $3,000 with a monthly spend of $1,500?

    American Express True Cashback Card

    Is there a limit on how much Cashback one can earn every month using The American Express True Cashback Card?

    American Express True Cashback Card

    Related Forums

    At what age can you get a landline in Singapore?

    What will happen if a foreigner borrows money from unlicensed money lenders?

    How much can foreigners borrow under the amendments to the Moneylenders Act?

    Which University Majors in Singapore has the highest return on Investments?

    What are investments in Singapore that would provide guaranteed principal and returns?

    Is it true that foreigners would be subjected to aggregate loan caps?

    Related Reviews

    Too bad it is not an unlimited cashback card

    HSBC Advance Credit Card / HSBC Bank Singapore

    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.

    Earn up to 1% rebate on your purchase

    OCBC Cashflo Credit Card / Oversea-Chinese Banking Corporation

    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.

    Consumers earn 2.4 miles per S$1 spend overseas and 1.2 miles on general local spend

    OCBC VOYAGE Card / Oversea-Chinese Banking Corporation

    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.

    Protection of up to 90 days for online purchases

    American Express Gold Card / American Express International

    The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.

    American Express Personal Card membership rewards points do not expire

    American Express Personal 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.

    You get 10X points when you shop at retails for babies and children's wear

    OCBC Titanium Rewards Credit Card / Oversea-Chinese Banking Corporation

    I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.