Credit card that you use the most and why


amachi

Senior Member
Jul 20, 2009
1,844
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#1
I used my Manhattan Card the most as it gives cash back for most of my purchases :D

Thinking to apply for POSB everyday card though. The cash back for bill payment and groceries@carrefour is tempting :D

Which credit card you guys use the most? And why?
 

Big Kahuna

Senior Member
Dec 15, 2004
2,126
1
38
Singapore, Singapore, Singapor
#2
I kept a few cards just in case your above mentioned happens....5% off from carefour purchase is quite a lot :sweat:

For other consumptions...it will be UOB gold classic....other than the points....probably due to sentimental reason as it has been with me for 10 over years :lovegrin:
 

wildcat

Senior Member
Sep 8, 2004
3,269
1
38
Bedok
#3
I find myself carrying a lot of cards coz like different places have different offers. All things equal, I will tend to use Citibank (same reason as Big Kahuna - longest with me) or AMEX (since they just offered me a waiver to join).
 

sinned79

Senior Member
Jun 18, 2009
10,868
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Singapore
www.aboutlove.sg
#5
used to use Citibank dividend card for the rebates but gave up already, very hard to hit the $50 rebate since i dun drive haha.

now switch to Citibank premier miles card to clock miles instead since no expiry date for the miles points. :)

each $1 purchase = 1.2 mile point
 

yc2005

New Member
May 14, 2009
698
0
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#7
I use Citi Clear as it gives 5X rewards for a lot of my purchases. My Citi Dividend is when i pump petrol.
My UOB cards are used only when the stores have UOB promotions going on
 

behyx

Senior Member
Jun 15, 2002
2,642
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SG
www.danielbeh.com
#8
Same here I use Manhanttan card most frequently.. I usually charge more than 2k a month to it, so the 5% cash back on any purchase every quarter is :thumbsup:

If I catch movie at Cathay, I'd use UOB One or Amex..

Citibank is mostly on dining and pump petrol at Esso... Haha!
 

Sep 28, 2008
896
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#9
i used citi dividend for petrol
uob singtel for my singtel bills
uob 1 card...for most stuff
sometimes citi clear when got offers

haven tried manhanttan though.

is there any credit card can be used to pay erp?
 

limwhow

Senior Member
Jun 9, 2009
7,048
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Life revolves arOnd East Coast
#10
Citibank dividend - favourite.
DBS VISA - occasionally.
Amex - when I travel and when ordering from overseas cos if got merchant fraud, Amex will refund me the money FIRST without question.
 

m3lv1nh0

Senior Member
Sep 24, 2007
2,225
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Serangoon North
#11
POSB Everyday card. Not just cash back from carrefour but also from SPC/Starhub/Waston which I find very useful.
 

May 11, 2009
315
0
0
#12
Hmm for me hmm

HSBC Platinum - for most stuff and Caltex petrol and GV tickets cos each movie just like $7.50
Citi SMART - for lol SMART lo
RBS Platinum - for some discount stuff

and some other cards lor but seldom use etc... apply for the sake of applying haha
 

scud

Senior Member
Jul 28, 2003
1,808
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Singapore
www.fotolightbox.com
#14
Amex - ...when ordering from overseas cos if got merchant fraud, Amex will refund me the money FIRST without question.
wow.. seems like this is good point of having an AMEX.
willing to share any of bad experience when using AMEX for online purchases?
now i can dust my corporate AMEX for online purchases if needed.
:thumbsup: :thumbsup:
 

Burnings

New Member
Dec 10, 2009
152
0
0
Singapore, Singapore, Singapor
#15
Same here I use Manhanttan card most frequently.. I usually charge more than 2k a month to it, so the 5% cash back on any purchase every quarter is :thumbsup:

If I catch movie at Cathay, I'd use UOB One or Amex..

Citibank is mostly on dining and pump petrol at Esso... Haha!
5% cash back for anything that you charged to the card? That would be a huge savings over my DBS Visa....
 

amachi

Senior Member
Jul 20, 2009
1,844
1
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#16
5% cash back for anything that you charged to the card? That would be a huge savings over my DBS Visa....
Up to 5% actually.

They will give you cash back for anything except late fee payment, etc.

But the cash back % depends on total spend reflected on your monthly statement.

I believe < 500 will give you 0.5%
501 - 1500 will give you 1%
1501 - 3000 will give you 2%
>3000 will give you 5%

But I am not too sure on how they count the rebate. If I spend 2500 a month. Will I get:
2% * 2500

OR

(0.5% * 500) + (1% * 1000) + (2% * 1000)

Can anyone clarify?
 

Sep 28, 2008
896
0
0
33
#17
Up to 5% actually.

They will give you cash back for anything except late fee payment, etc.

But the cash back % depends on total spend reflected on your monthly statement.

I believe < 500 will give you 0.5%
501 - 1500 will give you 1%
1501 - 3000 will give you 2%
>3000 will give you 5%

But I am not too sure on how they count the rebate. If I spend 2500 a month. Will I get:
2% * 2500

OR

(0.5% * 500) + (1% * 1000) + (2% * 1000)

Can anyone clarify?
1501 - 3000 will give you 2% = 2500*2% = $50 My guess.
 

ManWearPants

Senior Member
Jul 14, 2008
4,200
6
38
Singapore
#18
used to have Citibank but realized they share information with marketing department and will get loads of cold calls. So cut the card up and terminate. Now peaceful as ever.

used to have Amex but run into problem when travelling cos they say they have different cost center and my card is Southeast Asia or something and cannot use in greater China until I have to call AMEX to get it resolved. Give them one chance and run into the same problem again in Europe. So cut up the card and terminate.

used to have Standchart till on a trip I burst my credit limit while overseas and they say need to fill in form and apply for temporary credit increase. Need to wait 3 days or a week or something like that. Cut card up and terminate immediately.

Now using DBS. No cold calls, usable in every country I have been to, temp credit limit can be increased at a phone call. And also get free insurance coverage if travelling expense is charge to card. :thumbsup: But I also found their late payment fees are quite high. I forgot to make payment once and was slapped with quite a hefty penalty. Luckily they allow reversal as my track record has been perfect and it is a one-off genuine case of forgetfulness.

I also like OCBC for sentimental value as it is the first bank to give me a credit card many years ago when I started on my first job and my salary then didn't even clear the minimum requirement. It meant a lot to me then as it is my first credit card. :). It also has very good Internet banking facilities and is the first local bank to go electronic statement. Save me the hassle of having to shred a lot of papers. :thumbsup:

Actually, I don't really bother about the perks that you get. While it is good you get 5% off here and there. But it is the usability of these cards when you really need them. Imagine being stranded in a foreign country if all you have is one card and that card cannot be used.
 

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yrh0413

New Member
Oct 21, 2004
1,793
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0
Singapore
www.danielyee.net
#19
used to use Citibank dividend card for the rebates but gave up already, very hard to hit the $50 rebate since i dun drive haha.

now switch to Citibank premier miles card to clock miles instead since no expiry date for the miles points. :)

each $1 purchase = 1.2 mile point
:) same here, Citibank Premier Miles. I prefer rewarding myself with a decent holiday at the end of the year ;)
 

cosycatus

Senior Member
Jun 9, 2004
1,132
0
36
#20
:) same here, Citibank Premier Miles. I prefer rewarding myself with a decent holiday at the end of the year ;)
u all dunno that this card need to pay $180 yearly fees after first year? they dun wavie the fees, unless u trade in some miles u acrued.

I use a seldom used RBS switch. Mainly cos i use it to pay for taxi bills without incurring the admin fees and plus have priority book for cabs.
Other than that, i dun support credit cards, have only like POSB everyday card due to 3% at wastson and 5% at carrefour...esp when u buy laptop from there.
 

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