Anyone heard of the OCBC Robinsons Group Credit Card and is willing to share on the exclusive card member perks?

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.

This is one of my favourite credit card for shopping and I mainly use this card during the Robinsons sales together with the Robinsons discount, as this card also gives a very good cashback of 5% with no minimum spend required. If you are buying expensive items then the expenses can easily reach a few thousand dollars, cashback will be upgraded to 10% if spend is beyond S$5,000 within the qualifying period.

With this cards rebate scheme it means you can only use back rewards earn to spend at Robinson groups of company while most items in Robinson store were unique yet overpriced. Thus the rebates value or purchasing power is way lower compared to other cards, cash back or miles rewards.

Good rebates if you're considering purchasing big stuffs and some household appliances but again price is high and you may get better deals elsewhere still. However, Robinson does offer some useful packages which at the end of the day is what consumer are looking for and don't mind the pricing.

Prompt and helpful service provided by customer service teams. No issue in using the card. Able to use points for cashback and to enjoy 5% cash rebates when you charge any amount to your card at Robinsons Group of Stores which include 18 retail brands. The 18 retail brands are Robinsons, Marks & Spencer, Coast and Oasis, Zara, Royal Sporting House, Golf House, bebe, Lacoste, Nautica, Quiksilver / Roxy, DC Shoes, Reebok, Speedo, Sperry, Ted Baker and The Social Foot

You can enjoy with this card a 10% cash rebates at Robinsons and Marks & Spencer on any amount charge beyond $3,000 during the qualifying periods and an unlimited rebate on all merchandise in-store with no minimum spend and same day crediting, even on top of existing discounts. You receive a 25% Robinsons bonus discount letter when you charge at least $500 at Robinsons and/or at Marks & Spencer during the qualifying periods

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

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.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

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.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.