What is the Denki Safety 5 Premium Warranty Programme? Anyone conversant with it?

I was really surprised and delighted when I found out I could get free Delivery when I get to spend a minimum of S$200 in a single receipt on bulky items, mostly items that do not fit into a car boot like my furniture set and home appliances. Those types of purchases have been delivered to mefor free.

First of all, OCBC has excellent customer service worth mentioning. I was also impressed by the customer service who were extremely helpful and often able to resolve any queries over the phone. Responsiveness is on point. They are cordial and professional in terms of communicating and relatively easy to be contacted via the hotline with minimal waiting time.

OCBC cards can obtain instant approval when you apply for them via MyInfo and can be used immediately. With the principal card you need a spend of S$160.50 a year to earn an annual fee waiver for your OCBC BEST Denki Credit Card and you must spend a minimum of at least S$5,000 in one year, starting from the month after your OCBC BEST Denki Credit Card was issued. Annual fees waived for the first 2 years. Instant S$50 cash rebate upon approval with no minimum spend required.

Highlight of the perks with this card should be receiving 12% BEST Rewards equivalent to 3% cash rebate for any amount charged at BEST Denki, including items purchased on the 0% interest instalments plan. For example, S$100 spent at BEST Denki equals 12 BEST Rewards equals S$3 cash rebate. Also, spend a minimum of S$200 in a single receipt on bulky items such as items that cannot fit inside your car and have your purchases delivered for free.

With the cards safety 5 Premium Warranty Programme you can use your OCBC BEST Denki Credit Card and pay only 16% of the purchase price for more coverage with Safety 5 Premium Warranty Programme. This 5-year extended warranty will cover Product Failure, Flood Protection, Fire Protection, Theft from Home Protection and Damage Protection.

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 am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

I find it very pleasant and rewarding the Platinum Wellness offerings of the AMEX Express Platinum Credit Card as I get to rest and replenish after a hard week at work. I treat myself to spa privileges that come with my Card Membership with spa vouchers from Adeva Spa, Spa Rael and The Ultimate. I do this one’s a week and enjoy up to 40% off à la carte spa services at Adeva Spa, Spa Rael and The Ultimate. Simply relaxing and feels good to be pampered.

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

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%.

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.