• Blog
  • Giveaway
  • About
  • Contact
  • Sponsors / Advertisers
Early Retirement SG

What Credit Card Should I Use?

5/7/2019

1 Comment

 
Ok so Dexter, one of the co-founders of Whatcard.sg contacted me and just highlighted that he and his pals have a page which he hoped that I could share...

So I was like... $$$... maybe I could make a couple of bucks out of this. 
Like should I ask for some endorsement... you know... free meal... whatever...

Then I flipped thru the site and I was thinking... hmmm... what if we aren't able to come to a conclusion, like what if he's just asking for a favour and he's not thinking about sponsoring...

So I thought to myself... would I hold out on my readers on this service/website, if I don't get any money out of it? 
And the answer is... No... Cos I think this service is quite good.

So, no I didn't go and ask them for any kinda monetary benefits.
And I decided to do a post on it anyway. Cos it's useful.

The website  Whatcard.sg is pretty cool.
This basically shows merchants and the options you can use to pay for it. 
It has a miles option or a cashback option. 
So users can just key in the name of the place they are buying from and check what card is reasonable for them to use. 
Now, of course some cards require a minimum spend. So users will still need to monitor whether they hit the minimum before they get the miles or rebates. 

They use the merchant's MCC code, which is what card companies use to determine the kind of service provided by the merchant and give the rebates based on the code. 
I don't really know how accurate the data is, or how many merchants are inside, I did some searches for NTUC, AirFrance, Singapore Airlines, AirAsia, Pizza Hut, 7-11, etc... and the merchants show up with the credit cards and the respective rebates awarded. 

1) I think it would be quite useful if you want to make a big ticket purchase and want to know what's the best card to use for a once off purchase...
2) Probably also useful if you have the top 10 merchants you go to within a month, then you can shortlist the best cards from the list and see which card you want to hit the minimum spending on. 
3) Also good for people who are playing the Miles game. I wrote about Miles in 2 articles last time, you'll need to read both to get a feel of what Miles is about. (Reward Miles, Reward Miles... Going the extra mile)

UOB One card isn't on the list though, cos it gives a flat 3.33% or 5% rebate for 3 months of consecutive spending so I think there isn't really an easy way to put that into their list. 
Strangely OCBC 365 is not on the list as well. That card gives some of the best rebates and I use it quite often for my flights, so I'm quite stunned that it's not in the list. 

So go and have a look if you're interested. It might save you a lot of hassle if you're planning on going for a trip or planning on which card is most useful for accumulating Miles.


<<PREVIOUS POST // NEXT POST>>

Did you like this post? If so, could you "blanjah" me 1/4 cup of my morning coffee pls. 
You may also consider subscribing to receive the articles in your email, link in the column on the right.
1 Comment
Dexter link
6/7/2019 10:48:59 am

Hello!

Thank you for the shout out!

You are right on UOB One Card. It is currently not in our database, because it has a different way of computing the rewards; we will prioritize adding this into the list after your feedback :)

About OCBC365 card, it is actually on our list (you can try searching "deliveroo"). I just looked at our database and yes, we didn't include the cashback for travel. Thank you for pointing this out! We will update this in the coming days.

Warmest Regards,
Dexter

Reply



Leave a Reply.

    This is the link to my first post... how it all started...
    ​

    Mindset changes
    throughout the years


    How I make use of my wife

    An Interesting Email

    Author

    Male, born in 1982. 
    INTP
    Graduated with a degree majoring in Banking & Finance, Financial Adviser for a period of time resulting in in-depth knowledge of insurance products and marketing techniques of the industry.

    Inspired by MMM and ERE.

    Decided to embark on a mission to retire early in Singapore, a place where such an idea is considered impossible. As I believe that life has a lot more to offer instead of just a working career. I've decided to start a blog to note down my journey to achieve this mission and help others along the way who are willing to listen and try doing things differently from everyone else.

    I have decided to remain anonymous until I finally am able to actually retire, reason being that this idea might not gel well with the company which I am working for currently and also to avoid real life flaming from people who say that such ideas are impossible and that an individual is lazy for choosing early retirement instead of contributing to society in the form of labour.

    More about me.
    ​

    Subscribe here. Enter your email address:

    Delivered by FeedBurner

    Archives

    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    April 2017
    January 2017
    December 2016
    November 2016
    June 2014
    March 2014
    February 2014
    January 2014
    December 2013

    RSS Feed


    ​
    ​Other Cool Sites
    My15HWW
    Investmentmoats
    TheFinance
    SgInvestBloggers
    Singaporemanofleisure
    ​
    ​











    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​










    ​
Powered by Create your own unique website with customizable templates.