CIMB Credit Card

[Ysc3]

 

Is it? Maybe that's why Maybank didn't want to loan me 80% for my property, I had cards from at least 8 different banks. As long as they give freebies, I sign up for the card.

 

But I always pay on time. No rollover of balance.

 

same here ... i sign up for the freebies or free credit ... if free just take lah !

[Matoonia]

CC experts, which is a good all rounder card.

 

I have 2 that have to stick with it:

1. Dbs esso MasterCard. I only use this for petrol and nothing else

2. Citibank M1 card that is linked to my phone bill. Can earn points

 

So I intend to have just 1 go-to card for everything else, including overseas, online purchase etc. I actually quite like CIMB for its lifetime membership. Is it any good?

[Ysc3]

CC experts, which is a good all rounder card.

 

I have 2 that have to stick with it:

1. Dbs esso MasterCard. I only use this for petrol and nothing else

2. Citibank M1 card that is linked to my phone bill. Can earn points

 

So I intend to have just 1 go-to card for everything else, including overseas, online purchase etc. I actually quite like CIMB for its lifetime membership. Is it any good?

ANZ switch also no fees ... and they really give 4x salary credit !!

[Sabian]

CC experts, which is a good all rounder card.

 

I have 2 that have to stick with it:

1. Dbs esso MasterCard. I only use this for petrol and nothing else

2. Citibank M1 card that is linked to my phone bill. Can earn points

 

So I intend to have just 1 go-to card for everything else, including overseas, online purchase etc. I actually quite like CIMB for its lifetime membership. Is it any good?

Are you after cash rebates or airmiles?

[Matoonia]

Are you after cash rebates or airmiles?

Prefably outright rebates

[RadX]

most give 4x credit, depending on your income.

CC experts, which is a good all rounder card.

I have 2 that have to stick with it:
1. Dbs esso MasterCard. I only use this for petrol and nothing else
2. Citibank M1 card that is linked to my phone bill. Can earn points

So I intend to have just 1 go-to card for everything else, including overseas, online purchase etc. I actually quite like CIMB for its lifetime membership. Is it any good?

 

 

the signature is pretty gd with the 3.8% rebates.

[Alpha78]

most give 4x credit, depending on your income.

 

 

the signature is pretty gd with the 3.8% rebates.

 

Still prefer my Citibank Dividend card. 5% rebate at all petrol stations, and with Esso, all Citibank cards get 14% outright discount.

 

And they are generous with their credit limit.

[Spring]

CC experts, which is a good all rounder card.

 

I have 2 that have to stick with it:

1. Dbs esso MasterCard. I only use this for petrol and nothing else

2. Citibank M1 card that is linked to my phone bill. Can earn points

 

So I intend to have just 1 go-to card for everything else, including overseas, online purchase etc. I actually quite like CIMB for its lifetime membership. Is it any good?

 

CIMB World Platinum Mastercard is quite good I feel cos they give 1% rebate for all transactions and the 1% rebate is automatically given ie deducted from the bill at billing date.

 

For petrol, as some others have mentioned I use Citi Div card at Esso but sometimes when there's promo on DBS Esso Card like recently got $3 discount, vouchers etc, the DBS Esso Card is better

[Sabian]

Prefably outright rebates

Check out citi dividend, UOB one card, Scb Manhattan.

 

For cimb signature, beware of the T&C to get 3.8%. It is from 0.5 from all spending and additional 3.3 from certain qualifying category spending and limit to about $1500 spend.

 

You'll need to do some homework to see how the cards fit into your spending pattern to maximise it beyond the base 0.5% rate.

 

It may sound like a hassle but given that annual FD barely pays 1%...

[Matoonia]

Check out citi dividend, UOB one card, Scb Manhattan.

 

For cimb signature, beware of the T&C to get 3.8%. It is from 0.5 from all spending and additional 3.3 from certain qualifying category spending and limit to about $1500 spend.

 

You'll need to do some homework to see how the cards fit into your spending pattern to maximise it beyond the base 0.5% rate.

 

It may sound like a hassle but given that annual FD barely pays 1%...

 

There are just too many different perks for CC now, and it is too headache to rem to use which card for which purpose, and to rem their T&C, min spending, max cap on rebate etc.

 

Anyway I prob spend ard $1k per month on CC, excluding Petrol (which I use DBS Esso) and Handphone Bill (which I use M1 Citibank). Most prob I will just use the CIMB World mastercard for everything else. Though it's just 1% which is less than what others offer (depending on type of spent), but there are no T&C, min spent, max cap etc and most impt lifetime membership. Some more got waiver of green fees in some golf courses here, though I have not taken yet haha

[Sabian]

Certain spending are like clockwork. Once you set it, no need to think liao for subsequent months. That's when the cards are slaving for you.

[Heng51]

Currently using OCBC 365 now. Clock $600 to enjoy

 

1. 6% weekend dining and 3% for local and overseas - Quite good.

2. I'm using Esso so the 18.3% is also decent for me.

3. Online, grocery and telco is 3%

 

This credit card spend also entitles 1% in the OCBC 360 account up to $50k. So that is a nice $500 annually. The OCBC 360 account gives 3.05% interest provided

 

1. Spend $400 on its core credit cards (1%)

2. Salary credit into the 360 account (1%)

3. Pay 3 bills via OCBC (1%)

 

Don't know when it will end but pretty good. My 2 cents.

[Kangadrool]

1. Maybank Family and Friends - outright rebates offsetting your next bill. No headache. Use it in Boleh Land, ROE almost on par with money changer.

 

2. POSB Everyday - earn everyday$ that never expire, almost like real cash which can be accumulated to offset purchase or bill payment.

 

The rebate amount varies, but sure have a bit here and there, beats most other cards with many strings attached. So simple, less headaches.

 

Prefably outright rebates

 

Edited November 18, 2014 by Kangadrool

[Sabian]

Maybank F&F card has minimum monthly amount.

[Kangadrool]

got meh? I charge cheap cheap things like $50 also got rebate.

 

Maybank F&F card has minimum monthly amount.

 

[Karoon]

Yeah i just signed up for a cimb card for a free xiaomi. Apart from the 0 annual fee, i have absolutely no idea what i'm doing

 

LOL

[Evillusion]

Yeah i just signed up for a cimb card for a free xiaomi. Apart from the 0 annual fee, i have absolutely no idea what i'm doing

 

LOL

no need to worry if u also dont know what you are doing.....hahaha! I am using maybank.....no need headache.....they have a branch a stone throw from my home!

[Janling3]

Yeah i just signed up for a cimb card for a free xiaomi. Apart from the 0 annual fee, i have absolutely no idea what i'm doing

 

LOL

Ya, me too... dunno if they would be able to handle all applications. I got their earlier free suitcase promotion, though.