What counts towards the minimum amount one must spend on the OCBC Platinum Credit Card to earn an annual fee waiver?

This is probably the only multi-partner loyalty program that allows you to manage your points, exchanges and programmes almost effortlessly. The really try to make rewards programme members really happy.The card allows us to manage rewards points balances and expiring points across participating rewards programmes, all on one single platform. So you can in effect do away with the pain of slow point’s accumulation.

Probably the best Family-Friendly cards out there which is committed to take care of you and your beloved family. If you charge childcare and enrichment programmes to your card, you will get to save up to 35%, and for every S$1 you spent, you will earn 1 OCBC$. You can then redeem your accumulated OCBC$ for Robinsons vouchers, dining vouchers, and more. Alternatively, you can transfer your existing card to OCBC with OCBC balance transfer programme of 0% interest charge for up to 1 year of repayment period. The processing fee will be 1.68% for a 3 months repayment period; 2.50% for a 6 months repayment period; and 4.50% for a 12 months repayment period.

With respect to fees and charges, you will enjoy 2 years annual fee waiver for principal and supplementary cards. Annual fee for main card and supplementary card is S$160.50 and S$80.25, respectively. Sadly if you don’t maintain a good credit history on your card, you will need to pay interest of 25.92% per annum, with minimum charge of S$2.50. If no minimum monthly payment is received by payment due date, you will be charged for late payment, S$100. Minimum monthly payment is S$50, or 3% of your total balance, whichever is greater, plus amounts exceed of the credit limit and/or overdue amounts. Withdrawing cash will charge you S$15, or 6% of withdrawn amount, whichever is greater.

The OCBC Platinum Credit Card is a rewards card that is targeted towards families as it offers special deals and perks on activities, shopping and recreation. The OCBC$ rewards programme allows cardholders to earn 1 OCBC$ rewards point for every dollar spent on this card. Another advantage worthy of note is that these points do not expire for 5 years, and therefore will give cardholders enough time to accumulate points to redeem for rewards that matter.

Introductory annual fee waived for the first two years. You should take advantage of having no principal or supplementary cardholder fees for the first two years of this card after that, the principal cardholder annual fee is $160.50, and the supplementary cardholder annual fee is $80.25. Additional benefits of the card include discounts and offers spanning a wide range of categories from travel to childcare.

OCBC$ rewards programme allows me to earn 1 OCBC$ for every dollar charged to my card. These can be redeemed subsequently for vouchers at a number of stores and malls such as Robinsons, TANGS and Orchard Central. Make the most of the free time with your family engaging in family activities and entertainment discounts For instance, you get to enjoy special discounted rates at Pororo Park Singapore, MasterCard privileges at Adventure Cove Waterpark and S.E.A. Aquarium, movie ticket discounts at Cathay Cineplexes and Shaw Theatres and more.

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.

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%.

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

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.

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.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.