It’s nearly 1.5 years since Version 2 was published and I did not realise that there were so many changes until I started updating the below table! These are the main changes below:
1. ANZ – came up with a new product called Optimum MasterCard which offers 5% rebate on a particular category. However, do note that you need to update your category every quarterly if not you will lose the additional rebate
2. Citibank – The dividend and SMRT cards could be used interchageably at the supermarkets previously but do note there are subtle differences now. For the dividend card, you need to spend a minimum of $50 before you get any bonus rebate of 5%. On top of that, if you spend at Giant or Cold Storage, you get 3% DIV$ only as the other 2% comes in the form of CITI$. Also note that NTUC does not earn any rebate on this card! For SMRT card, you can use it for smaller purchases <$50 as you get 2.7% rebate minimum but only at Giant, Sheng Siong and NTUC
3. HSBC – They have revised their rebate scheme to a 2 tier structure based on your spending of either $400 or $800 minimum a month for the entire quarter. There are easier cards to get the 5% cash rebate if you ask me.
4. OCBC 365 Card – one of the better cards for dining (6% on weekends), but has a minimum spending of $600/month, so you can make up the difference with this card at the supermarkets since there is 3% rebate at all supermarkets
5. POSB Everyday Card – New promotion with 3% rebate at NTUC, Giant, Cold Storage etc but with a minimum spend of $500 per month on the card.
6. Stanchart Singpost Card – The rebate has been reduced from 6% to 2%
7. UOB Delight Credit Card – The rebate structure has been modified as well, now you get a maximum of 8% rebate if you meet the minimum spending of $800.
8. UOB JCB Platinum – If you love the japanese supermarket Meidi-Ya, this card is perfect