I am one of those people who believe in putting everything I can on credit cards, but I will pay in full when the bills come in. It's so convenient these days where credit cards are accepted everywhere. Aside from the convenience, more interestingly are the discounts and rebates. Getting money back from your spending, why not? Nothing to lose. One of the cards I like to use is the Citibank Dividend Visa Card. A few days ago, Citibank circulated a notice that it is making changes to its Citibank Dividend Card. The changes will take effect from 28 Sep 2015.

Merchant Category Amount of cash back earned on the transaction based on that month's statement of account if spend is less than S$888^ if spend is S$888 or more^ Petrol 0.25% 8%* Grocery 0.25% 8%* Dining 0.25% 8%* All others 0.25% 0.25%

The footnote ......