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 Withdrawing cash will charge you S$15, or 6% of withdrawn amount, whichever is greater.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.

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.

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.

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.

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.

A 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations

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.