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.

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

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.

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.

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.

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.

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.