Your SIMPLER alternative to HSBC Revolution | UOB One Credit Card
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- Опубликовано: 15 окт 2024
- Just spend $500 monthly consistently and you'll be rewarded with more than 3.33% Cashback.
Note - additional cashback is capped at $100 / statement month = $2,000 in expenses on eligible merchants
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Disclaimer
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡 Some links above are affiliate link. I earn a little at no cost to you!
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I already charge and hitaround 1200 to my UOB card every month including a 1100 subscription and 100 for the 5 transactions. In this case, I should use HSBC card right? And not continue charging to UOB one?
If I shop on shoppee using uob one card after hitting 1200, do I still get the additional cashback?
if you're above the tier amount eligible spendings then yea go with another card. additional cashback is capped at $100 / statement month so yea you'll still get the additional cashback if it's below the cap.
Hi Demi, what are your take of using UOB ladies' solitaire + Ladies acct with 6 mpd as a better alternative to UOB One and HSBC revolution? Hear your comments
Haha I haven't worked out the math whether it's worth it. Are you doing it? My current credit card combination is a little different. It's like a backup card for me now because my cash is all tied up. Citi Rewards + Instarem Amaze is my main combi, has a 1K cap.
Hi Demi, thank you for the great content. My plan is to have 1. citi cashback card for all the dining and grocery 2. UOB eval for more dining and shopping 3.UOB one for all the other stuffs. Does UOB one 3.3% include air ticket, hotel booking? I wonder do I still need UOB absolute to cover some of bigger spending.
Yes it includes hotel etc!
Does UOB One cashback cover things like flights and travel? Can't seem to confirm it online :)
hello! yes the base 3.33% counts travel too. as long as the transaction doesnt fall under point 5.1 under the T&Cs - www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf?s_cid=pfs:sg:paid:sea:go:na:tx:na:001843:010122-311222:na:cvp_cashback:pc-go&vid=ms-sg_google&pid=OneCardQ3
Hi Demi, just to check. I am able to pay my phone bill, supermarket (Giant, Fairprice etc ) and qualify for the 3.33% cash back? And as for the HSBC EGA, the extra 1% is no more already? Even if I were to put $2k inside, its pointless?
Hi, where do u find the activities page ,screenshot in your video, for tracking your expenses in the UOB tmrw app?😅
Hi any credit cards that can be used for paynow transactions?
Hmm i don’t. Usually just paynow. I know people use XNAP?
Hihi, great video. May I ask if I purchase Yale door lock, which cc gives 4miles/$? Any idea please..Thanks
You can use HeyMax to check what is the Merchant Category Code for Yale Door Lock to see if it qualifies.
@@DemiZhuang yea.. did a search but no indication. Tried to google and the emp asked his mgr and he doesn't kW.. Thnx alot Demi..like all your videos
@@BernardLee-x7i Some people do the Instarem link to wallet method, with insufficient balance the txn will be voided then you can see the MCC code too! Hope this helps~
@@DemiZhuangthanks alot. Good idea
@@DemiZhuang hi peiseh..may I ask if I pair the Instarem amaze W Citi rewards CC.. if I use the amaze card for payment..what is the MCC code that will appear under Citi rewards side?
Will it be under fave pay MCC or that purchase item merchant MCC?
Cause I understand that for Citi rewards, anything online is entitled 4miles/$1
My credit card bill statement is always dated 24th. Then this monthly of $500 spend. Does it take from first till last of the month transaction? Or from 24th till 23th of next month?
Been using uob one for many years. How to know which months are for my quarter month? Does the tracking screen on the app tell u which month you are in now for the quarter?
Can ask CS for what months are your quarter. Card monthly spend is based on statement cycle and not calendar month. Savings Account Spend is Calendar days 1- last of the month hence I mentioned better to ask them to align it otherwise it's going to be confusing.
@@DemiZhuang hi what happens when i clock different tiers 500 to 2000 across the quarter - what will the cash back be then?
@@clarkkent3242 the lowest amount for that quarter.
Nice video! What is a good credit card to pair with HSBC Savings account without any min spend?
For the HSBC EGA account 1% Cashback? HSBC Revolution but be careful there are exclusions.
@@DemiZhuang Ok thanks. If we link UOB Ladies card with Amaze card, are we able to spend on other categories as well?
How U apply for new credit card when U don't have job
Hi Demi, I am looking to sign up for a UOB One Credit Card to build up my credit score.
I currently already have a UOB One Debit Card and spend about $1,000 a month. Should I split my spending to $500 on debit card and $500 on credit card to ensure that I hit the minimum spend on both cards and reap the rewards?
If it isn't a consistent spend of $1K per month then you should split but I'd consider getting another Credit card instead of using the debit card.
i think the only bad thing about UOB one is that their cashback automatically credit into the card, so i have to spend extra during the cashback month, instead of HSBC to redeem as and when i prefer
But the cashback received can also deduct your min spend of $500 in the next quarter so technically you aren’t spending more?
@@DemiZhuang hah yeah thats true, depends on how we see it. I prefer the flexibility to redeem as and when i want :)
What about Citi rewards credit card?
lower cashback rate although easier to use.
So what if 1st spend 1k, next month 600 amd 3rd month 500? Considered 1st tier still?
Yes
insightful as always!
Can u be my friend?❤
Ok I can be your friend.
Hello just to check if I link xnap with uob 1 credit card and with Google pay or apple pay. Should be able to hit the $500 minimum spending right ? ( I.e. using xnap does not disqualify it )
yeah should be possible.