@@Sethisfy, I am using OCBC 360 I saw ur tiktok u have a rating video, wanted to comment at that video but I couldn't find it anymore.. If I remembered correctly, u place OCBC 360 at rank D. Personally I use 360 as my main account and I really like their rewards and cashback, bcus of salary crediting..etc.. Then since this nerf on UOB EVOL, do u mean to change ur main account to MayBank? Also can explain better why OCBC 360 is considered class D pls.. Appreciate your advise on this 🙏
Note that there are some updates since this video was released. Subscribe for more updates: sethisfy.com/telegram Citi Cash Back now gives 6% cashback on groceries UOB Absolute has decreased cashback rate to 0.3% for some categories of spend
hi I only get around 50 + 52 cashback from UOB one credit card quarterly, should I switch to EVOL? Sounds like I would earn more with EVOL (additionally its credited MONTHLY instead of QUARTERLY)
Yeah I prefer EVOL. If you don’t spend much on the merchants that UOB One gives extra cashback on then the base earn rate is only 3.33% vs 6.67% of EVOL
@@Sethisfy Thank you the fast reply, I have 3 doubts here, hopefully you can help me out :) 1) does insurance premium / SP utilities considered online payment for the $20 cashback for UOB EVOL? 2) my contactless expenses are usually bus+mrt which hits around $100, is there anyway I can convert my online purchases into contactless payment? 3) I see that you are using so many credit cards, isnt the credit cards annual fees going to eat up all the benefits they provide? For UOB ONE & EVOL its around $196++ close to $200 per annual for each card fee. Or is there a way to waive all the credit cards fee you're using? hence you are keeping so many? if so how are you doing it! :)
Great video as always! May understand etc: if I spend $1000 this month, I get 5% cashback; will I be able to use this cashback ($50) to offset for this purchase when I made the bill payment? Or only eligible to offset next purchase?
my credit card strategy is to flip and cancel all bank cards to farm sign up bonuses, and perhaps use a bank card with terrible or no sign up bonus like ICBC/bank of china/UOB for actual spend. That will net at least $1000 a year. $1500 in good years
@@joelpker there is usually no clawbacks for most banks. Citi sometimes require card to be held for 9 months. for other banks, just cancel and wait for a year before applying and you will be fine
Could I check for gym memberships such as safra/anytimr fitness etc, if i pay with citi rewards/amaze, will it count as online purchase and 4 mpd?
Buy house and car which card to use? 😅
Does Citi Rewards card have monthly spending cap to earn the $4 mpd ?
Capped at $1,000 of spend for its 4 miles per dollar earn rate
May I request for an update on this if UOB EVOL is nerf what are u going to use?
Probably Maybank Family and Friends. Made a video on EVOL nerf here: ruclips.net/video/xBQa7D0Q1hM/видео.html
@@Sethisfy, I am using OCBC 360 I saw ur tiktok u have a rating video, wanted to comment at that video but I couldn't find it anymore..
If I remembered correctly, u place OCBC 360 at rank D.
Personally I use 360 as my main account and I really like their rewards and cashback, bcus of salary crediting..etc..
Then since this nerf on UOB EVOL, do u mean to change ur main account to MayBank?
Also can explain better why OCBC 360 is considered class D pls..
Appreciate your advise on this 🙏
Note that there are some updates since this video was released. Subscribe for more updates: sethisfy.com/telegram
Citi Cash Back now gives 6% cashback on groceries
UOB Absolute has decreased cashback rate to 0.3% for some categories of spend
hi I only get around 50 + 52 cashback from UOB one credit card quarterly, should I switch to EVOL? Sounds like I would earn more with EVOL (additionally its credited MONTHLY instead of QUARTERLY)
Yeah I prefer EVOL. If you don’t spend much on the merchants that UOB One gives extra cashback on then the base earn rate is only 3.33% vs 6.67% of EVOL
@@Sethisfy Thank you the fast reply, I have 3 doubts here, hopefully you can help me out :)
1) does insurance premium / SP utilities considered online payment for the $20 cashback for UOB EVOL?
2) my contactless expenses are usually bus+mrt which hits around $100, is there anyway I can convert my online purchases into contactless payment?
3) I see that you are using so many credit cards, isnt the credit cards annual fees going to eat up all the benefits they provide? For UOB ONE & EVOL its around $196++ close to $200 per annual for each card fee. Or is there a way to waive all the credit cards fee you're using? hence you are keeping so many? if so how are you doing it! :)
1) No
2) Kris+ or ShopBack
3) Most cards get waiver pretty easily
Suggest joining telegram where the community can chip in too: sethisfy.com/telegram
Great video as always! May understand etc: if I spend $1000 this month, I get 5% cashback; will I be able to use this cashback ($50) to offset for this purchase when I made the bill payment? Or only eligible to offset next purchase?
Most cards credit to the next statement
@@Sethisfy Sorry I missed out, am referring to Citi SMRT*
Thanks bro. Great video. Do you pay annual fees for all of ur credit cards?
Only on Citi Prestige and Amex Platinum Charge. I made a video on this: ruclips.net/video/5hrDeiyJjjM/видео.html
my credit card strategy is to flip and cancel all bank cards to farm sign up bonuses, and perhaps use a bank card with terrible or no sign up bonus like ICBC/bank of china/UOB for actual spend. That will net at least $1000 a year. $1500 in good years
That’s fine as well. Though it’s always a possibility to be blacklisted from a bank and forever be ineligible for their cards.
@@Sethisfy i will be happy to report to all and stop once the first bank blacklists me
Was considering this too. Could you share how do you manage all the clawback provisions etc that every bank / moneysmart / singsaver have?
@@joelpker there is usually no clawbacks for most banks. Citi sometimes require card to be held for 9 months. for other banks, just cancel and wait for a year before applying and you will be fine
i've just begun this strategy for the last 1.5yrs too! just wondering how long you've been doing this
How many cc do you have in total?
Easily 30+
Haven’t stocktaked in a while
No DBS WWMC?
I still use it every now and then but it is really losing its appeal with its short expiry and the eventual drop to $1,500 cap per month
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Hello 👋 nice meeting you at POEMS today Cheers 🥂 I also trying to do RUclips on smoothie, maybe I can do smoothie and talking about finance 😊
Yes nice meeting you :) See you around at more events in future
Will my credit score be affected if i cancel and move to different credit cards?
You can see this for more on credit cards and credit score: t.me/sethisfying/585
no, it will not