Author: WhatCard Blog

Cash vs Card: Which is better for overseas expenses?

@dexter.tiah wrote: cvc.png1024×747 663 KB For those who travel regularly and are active credit card users, a question that often crops up is whether you should change all the cash you need beforehand at a local moneychanger, or just go ahead and use your Singapore credit card when travelling overseas to get bonus rewards. Most people would already be aware that using your credit cards overseas is not “free”. Your bank will usually charge both a: admin fee on the total transaction amount and, a relatively worse exchange rate than what you would get from the moneychangers These extra...

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StashAway Simple: Is it that simple?

@dexter.tiah wrote: stashaway simple.png1059×805 225 KB While cash management products are not directly related to credit cards, we thought that this was an interesting development in the personal finance industry and that our readers would be interested to read our assessment. Let us know in the comments below if you found this article useful and would like us to spend more time on non-credit card related articles such as these! Note: this is not a sponsored post and the review written is purely a reflection of the author’s views. Edit: This post has been updated to reflect clarifications on...

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StashAway Simple: It is not that simple

@dexter.tiah wrote: stashaway simple.png1059×805 225 KB While cash management products are not directly related to credit cards, we thought that this was an interesting development in the personal finance industry and that our readers would be interested to read our assessment. Let us know in the comments below if you found this article useful and would like us to spend more time on non-credit card related articles such as these! Note: this is not a sponsored post and the review written is purely a reflection of the author’s views. Today, I read an email about StashAway launching their a...

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Get 4.0 MPD on all overseas spend on DBS Altitude, first 5,000 registrations only

@Glenn wrote: DBS just launched its latest promotion targeting the popular DBS Altitude Card (see our detailed review of the card here), offering 4.0 MPD (Mile per Dollar Spent) on all overseas foreign currency transactions, with a minimum of S$2,000 spent overseas within the campaign period of 14 Nov 2019 – 31 Mar 2020. This bonus of 4.0 MPD is capped at a total overseas spending of S$7,000, after which you will go back to the regular Altitude card overseas earning rate of 2.0 MPD. DBS promo message.JPG765×431 51.7 KB Importantly, registration is required and this promo is limited...

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WhatCard of the Week (WCOTW) 15 Nov: StanChart Unlimited Card

@dexter.tiah wrote: Note: As the founders of WhatCard, our users often ask us what credit card we ourselves use. Hence, we decided to start this new weekly credit card feature where we will be taking turns to share about a card that we ourselves own/use and talk about how we use it and potential limitations. Share with us in the comments below which card you would like us to feature for next weeks #WCOTW! StanChart Unlimited Card Key Features: Annual Fee: $192.60/year, first 2 years waived Sign up bonus: $80 cashback Limited time promotion: Get an additional $120 in...

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Limited Time Promo: Get up to $340 in cash and cashback if you apply for these StanChart cards. No requirements, existing cardholders eligible

@dexter.tiah wrote: scb next day2.JPG1105×880 78.2 KB Sign up for these 3 StanChart Cards today and get up to $340 cash and cashback Standard Chartered Unlimited CardStandard Chartered Spree CardStandard Chartered Rewards+ Card 11/11 may be over, but great deals are still up for grab! From now till 30 November 2019, the latest credit card sign-up campaign from our affiliate partner SingSaver will have you receiving $120 (new to StanChart applicant) or $50 (existing StanChart cardholder) in cash via PayNow with each approved card. In addition, this $120 next day reward from SingSaver for new-to-bank cardholders is on top...

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WhatCard of the Week (WCOTW) 8 Nov: BOC Elite Miles World Mastercard

Note: As the founders of WhatCard, our users often ask us what credit card we ourselves use. Hence, we decided to start this new weekly credit card feature where we will be taking turns to share about a card that we ourselves own/use and talk about how we use it and potential limitations. Share with us in the comments below which card you would like us to feature for next weeks #WCOTW! This is not a sponsored post, and all opinions are from the WhatCard team’s personal experiences with the card Key Features: Annual Fee: $190/year, first year waived...

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10 ways to hit your UOB One minimum monthly spending

@Glenn wrote: image.png917×421 94.8 KB The UOB One card is one of Singapore’s most popular cashback cards, and used by many of our readers (you told us in the WhatCard survey ). However, as the UOB One card awards a flat quarterly cashback based on hitting minimum spend amounts, it is very important to consistently hit the minimum spend each month to maximize your cashback rate . For those who are unfamiliar with how the UOB One card works, you can read more in our detailed review of the card It’s a situation that I’m sure has occurred to...

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WhatCard of the Week 23 Oct: DBS Altitude Card

Note: As the founders of WhatCard, our users often ask us what credit card we ourselves use. Hence, we decided to start this new weekly credit card feature where we will be taking turns to share about a card that we ourselves own/use and talk about how we use it and potential limitations. Share with us in the comments below which card you would like us to feature for next weeks #WCOTW! This is not a sponsored post, and all opinions are from the WhatCard team’s personal experiences with the card Key Features: Annual Fee: $192.60/year, first year automatically...

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DBS Digi Portfolio VS StashAway: How do the robos compare against each other?

NOTE: This is not a sponsored post. This article is part of an ongoing series of updates about the DBS Digi Portfolio. For those who are not up-to-date, you can read our earlier post here. A month back, DBS announced that they were launching their own robo-advisory platform. I signed up as a beta tester in order to give readers of WhatCard a quick review of the tool. Before diving into the review proper, I just wanted to share our “house”’s philosophy on robo-advisors; unlike other personal finance sites, we believe that the way to determine a top quality...

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Limited Time Promo: Get $100 cash if you apply for UOB PRIV Amex. No requirements, existing UOB cardholders eligible

In a unique limited time promotion available from 16-31 October 2019, you will get $100 in cash (transferred via PayNow) if you apply for the UOB PRVI Miles Amex Card via SingSaver. To qualify for the promotion, you simply have to apply for the card via the link and be approved within the promotion period – given that it is a short 2 week promo it is better to apply earlier than later as there may always be unexpected delays in approvals, especially likely if application volumes are high due to this promotion. The UOB PRVI Miles American Express...

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The (plastic) X Card is back, with a 60,000 miles sign up promotion

It has been about two months now since new sign-ups were stopped for the Standard Chartered X Card, and after a long wait, they are FINALLY accepting new applications for the X Card again; the card was only available to sign-up for about a month after its initial launch before the cards team cancelled sign-ups abruptly. The Standard Chartered (Metal) X Card This article is an ongoing series of updates around the Standard Chartered X Card that launched with a massive 100,000 miles sign-up bonus. For those who are not up-to-date, you can read our earlier reporting of the...

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Best credit card to top-up YouTrip : It’s (probably) not the card you are thinking of

Note: This is not a sponsored post For those of you frequent travellers out there, you probably have heard of or are already currently using the YouTrip card for all your travelling expenses. For those who haven’t heard of YouTrip, we’ll do a brief summary on the company and why getting the YouTrip wallet and card can be an important personal finance tool in your arsenal. For everyone else you can jump straight into next section to learn more about which credit card you should be using to top up your YouTrip card. YouTrip is a multi currency mobile...

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Best miles credit cards to use with SimplyGo for paying Bus/MRT fares

Photo Credits: TransitLink LTA launched SimplyGo in May this year, enabling commuters to use credit cards to pay for their MRT/bus fares as an alternative to the trusty Ez-Link cards which have been a part of people’s wallets for more than a decade. We had written about this new scheme in an earlier article, and it sparked some great discussions about the pros (you get credit card rewards, no longer have to carry an Ez-Link card around) and cons (you may drop your credit card, there is a short delay/lag when tapping) of using a credit card as opposed...

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WhatCard of the Week (WCOTW) 11 Oct: UOB One Card

Note: As the founders of WhatCard, our users often ask us what credit card we ourselves use. Hence, we decided to start this new weekly credit card feature where we will be taking turns to share about a card that we ourselves own/use and talk about how we use it and potential limitations. Share with us in the comments below which card you would like us to feature for next weeks #WCOTW! This is not a sponsored post, and all opinions are from the WhatCard team’s personal experiences with the card Key Features: Annual Fee: $192.60/year, first year waived...

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