Why the Single Card Strategy with Instarem Amaze is NOT Perfect
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- Опубликовано: 7 сен 2024
- Sponsor: 🐂 Webull Singapore hmsg.link/sgwe...
Citi Rewards hmsg.link/citi...
💴 Instarem Amaze NhkWBH hmsg.link/amaze
Cards mentioned in video:
DBS Woman’s Gold World Mastercard hmsg.link/dbswwmc
HSBC Revolution hmsg.link/hsbc...
DBS Live Fresh hmsg.link/dbsl...
UOB EVOL hmsg.link/uobevol
UOB ONE hmsg.link/uobo...
🚌 Revolut SG hmsg.link/revolut
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AMEX True Cashback hmsg.link/amextcb
🦅 AMEX Highflyer Card hmsg.link/high...
Maybank Platinum VISA hmsg.link/mayb...
HSBC Everyday Global Account hmsg.link/hsbcega
UOB Absolute hmsg.link/uoba...
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CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) t.me/sgpromocode
🔎 Google Pay $3 hmsg.link/goog...
🚌 Revolut SG hmsg.link/revolut
☯️ YouTrip ($5 Bonus) hmsg.link/youtrip
🙏Trust Bank Code: HUQPC614 www.trustbank.sg
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✈️ SIA Kris+ App Code: C647172 hmsg.link/kris...
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💰 iPayMy hmsg.link/ipaymy
💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment app.cardup.co/...
LIFESTYLE
🛍 Lazada hmsg.link/lazada
🛍 Qoo10 hmsg.link/Qoo10
🛍 Shopback $5 hmsg.link/shop...
🏬 Lendlease Plus $5 referral code NsHQKY
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ROBO-ADVISORS
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TRAVEL
✈️ AirAsia hmsg.link/airasia
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✈️ MSIG Travel Insurance hmsg.link/msig...
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PROFESSIONAL FINANCIAL PLANNING:
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If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!
Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
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_________________________________________________
Citi Rewards + Instarem Amaze has been an amazing combo to include almost every spend to get 10x reward points due to amaze being able to change payment method to online, BUT does not change the MCC Merchant category code
- Citi Thank you points can be converted to either 4mpd or up to 3.5% Cashback
But it is definitely not perfect because there are some exclusions with this strategy which we will discuss today, but fret not, as I will also offer alternative solutions to combat the issues!
Travel
- Airlines, Hotels, Restaurants in Hotels, Cruise, Travel Agencies
- Miles Alternatives: SGD use DBS WWMC, HSBC Revolution for online. FCY/Non-online use UOB Lady’s with Instarem Amaze Travel category
- Cashback Alternative: DBS Live Fresh, UOB EVOL for online
Public Transport
- SimplyGo Bus/MRT will not get
- Alternatives: SC Smart, DBS Live Fresh, UOB EVOL, UOB One
Grabpay Wallet
- Obviously not, especially with Grabpay consistent nerf
- Alternatives: AMEX TCB, AMEX Highflyer
Insurance
- Common exclusion
- Maybank Platinum Visa 3.33% min $300 monthly, or 1% Cashback with HSBC EGA GIRO
Utilities
- Electricity: Grabpay 1.2% for Geneco, coupled with 1.5% Amex TCB 1.5% total 2.7%
- UOB One for SP Utilities 3.33%+1%
Govt Services/Education
- AMEX TCB or Highflyer
- Otherwise route through Grabpay mastercard
#Sponsoredby #Webull
Sponsor: 🐂 Webull Singapore hmsg.link/sgwebull
Citi Rewards hmsg.link/citirewards
💴 Instarem Amaze NhkWBH hmsg.link/amaze
Cards mentioned in video:
DBS Woman’s Gold World Mastercard hmsg.link/dbswwmc
HSBC Revolution hmsg.link/hsbcrevolution
DBS Live Fresh hmsg.link/dbslivefresh
UOB EVOL hmsg.link/uobevol
UOB ONE hmsg.link/uobonevisa
🚌 Revolut SG hmsg.link/revolut
☯ YouTrip ($5 Bonus) hmsg.link/youtrip
🙏Trust Bank Code: HUQPC614 www.trustbank.sg
SCB Smart hmsg.link/scbsmart
SCB Smart (Singsaver) hmsg.link/singsaversmart
AMEX True Cashback hmsg.link/amextcb
🦅 AMEX Highflyer Card hmsg.link/highflyer
Maybank Platinum VISA hmsg.link/maybankplatinum
HSBC Everyday Global Account hmsg.link/hsbcega
UOB Absolute hmsg.link/uobabsolute
INVESTING
🐮 moomoo SG (Free Stock) hmsg.link/sgmoomoo
🐯 Tiger Brokers SG Code HONEYMONEY (Free stock): hmsg.link/sgtiger
🐬 uSMART Securities Code nn8gx7 (Free Stock) hmsg.link/sgusmart
📝 POEMS Cash Plus: hmsg.link/poems
📈 Interactive Brokers: hmsg.link/ibkr
📗 Seeking Alpha Premium $119 ONLY hmsg.link/seekingalpha
🐯 Tiger Brokers International Code HMONEYSG: hmsg.link/ustiger
🐮 moomoo US by Futu Inc (Free Stocks) hmsg.link/usmoomoo
CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) t.me/sgpromocode
🔎 Google Pay $3 hmsg.link/googlepay
🚌 Revolut SG hmsg.link/revolut
☯ YouTrip ($5 Bonus) hmsg.link/youtrip
🙏Trust Bank Code: HUQPC614 www.trustbank.sg
🅱 BigPay $10 referral code KJN6MN5GS0 at bigpay.link/referrals
🚩 Wise hmsg.link/wise
✈ SIA Kris+ App Code: C647172 hmsg.link/krisplus
😻 Favepay hmsg.link/fave
💰 iPayMy hmsg.link/ipaymy
💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment app.cardup.co/users/sign_up
LIFESTYLE
🛍 Lazada hmsg.link/lazada
🛍 Qoo10 hmsg.link/Qoo10
🛍 Shopback $5 hmsg.link/shopback
🏬 Lendlease Plus $5 referral code NsHQKY
🛒 NTUC Union hmsg.link/ntucunion
ROBO-ADVISORS
☣ Syfe Trade & Wealth: Use code HONEYMONEY @ hmsg.link/syfe
🦉 MoneyOwl RoboAdvisor Code: 8JPW-62FZ (FREE $20) hmsg.link/moneyowl
🤖 Endowus RoboAdvisor (FREE $20) hmsg.link/endowus
TRAVEL
✈ AirAsia hmsg.link/airasia
✈ Airasia App hmsg.link/airasiaapp
✈ MSIG Travel Insurance hmsg.link/msigtravel
✈ Allianz Travel Insurance hmsg.link/allianztravel
✈ Starr Travel Insurance hmsg.link/starrtravel
✈ TIQ by ETIQA R56612 hmsg.link/tiqtravel
PROFESSIONAL FINANCIAL PLANNING:
🤝 DareToFinance hmsg.link/daretofinance
If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!
Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
🔭 Telegram Group: t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG instagram.com/honeymoneysg
📧 Email (Business only): sghoneymoney@gmail.com
☕ Buy from my shop: ko-fi.com/honeymoneysg/shop
💵 Patreon: www.patreon.com/honeymoneysg
Love the subtle raining sound in the background haha. Since your house is coming, maybe you can do a credit card strategy for your reno expenses? Thanks!
Yes, it's part of the plan
So this combo, does it mean that I just need to use amaze card and it will link to Citi automatically?
Thank you Chris for yet another extremely informative video.
For the Citi Rewards + Amaze combo, is there any downside for using it to pay for restaurants (not the ones in the hotel) / souvenirs when overseas??
Not that I know of
Omg I love this video , finally all my questions are answered.
for overseas spend on retail merchants, are they considered under 'Shopping' or 'Travel' category for UOB Lady's card?
UOB Signature Visa is a good option for overseas car rentals with it's high cap.
Yes, good card too
Hi Chir, just to clarify in other words physical card payment no longer works? as in if i physically pay at a restaurant or shop something at toysRus it'll i'll not get the 4 miles per $1 reward?
Still works
@Chris @HoneyMoneySG thanks for the clarification, cheers 😋👍
Does anyone use UOB evol overseas these days? If you could earn 8% from transactions - ~4% (3.5% foreign currency charge + bank rates). That's still about 4% interest
I've used UOB Evol via the mobile contactless when I'm overseas. These transactions are earning the high rebate too (I've met the min spend req for the month). Yup, after taking into account of the rebate, the foreign exchange rate is in fact quite good.
@@Foodierary hey, appreciate your reply on this! Perfect understanding. Primarily because I'm located overseas for long term now and it'll be a good leverage too with the UOB savings interest:)
so paying for McDonalds still use Instarem card?
So if I tap amaze card at McDonald’s kiosk, does it get cashback?
Yes, with the right cards
@@HoneyMoneySGis citi rewards card the right card?
When will you build an inhouse studio?
When I actually have a house of my own
Ok I thought you actually managed to buy a flat and reach FRS.
i kena kicked by the bot cos i answer the question wrongly.. how to join back the telegram group :(
Just click again to join t.me/honeymoneysg
why are you in the rain ????? 🤣🤣😂😂😂🤣
Singing in the rain?😂
@@isaacng315 he probably recorded it today lol
Don't worry I'm under shelter. And light rain makes the backdrop nicer
Hi Chris, I become your fans of your channel but sometimes I find you speak too fast :p
Try 0.75x speed it sounds ok .
@@owariz9344 it's really great idea! Thank you
I use sc simple cash unlimited cash back card link to amaze card can no get 1.5 cash back..Tq