Wednesday, 26 November 2014

Best credit card for grocery shopping!

This question has been bugging many people for quite some time. Now, I shall reveal to you, the best credit card for grocery shopping!

I browsed through all the credit cards offered by different banks with benefits for grocery shopping and tabulated the results in a table.

I included most of the credit cards that are offering rebates on grocery shopping except HSBC Visa Platinum which I find ridiculous as you need to fulfill minimum spending per month for a QUARTER before you are entitled to the cash rebate. Most cards do have minimum spending to fulfil but that is on a MONTHLY basis. So I do not know what HSBS is trying to do here.

There are also a few that are offering 3% cash rebate and yet require minimum spend  monthly while other banks are offering 5% for the same minimum amount. These are DBS Safra and OCBC 365. Don't they know that there are better cards out there that are better than theirs?

best credit card for grpcery shopping
Compilation of credit cards for grocery shopping



As you can see from the table above, the best credit card for grocery shopping at Cold Storage, Giant, Jasons, Market Place is the UOB Delight credit card. However, that is if you can hit $1000 and above with the card every month. (up to 10%)

Best credit card for grocery shopping at Cold Storage, Giant, Sheng Siong will be Citibank SMRT credit card with 5% SMRT$ + 2% CitiRebates with minimum of $50 per transaction and minimum of $600 spent on card per month. Even if you spent less than $600 a month, you still get up to 4.7% SMRT$ + up to 2% CitiRebate with minimum of $50 per transaction.

Otherwise, Standard Chartered Singpost credit card will be the best credit card for grocery shopping at Cold Storage, Giant and NTUC.(up to 6% with minimum of $500 spent on card per month)

And the best credit card for grocery shopping at Sheng Siong will be the POSB Everyday credit card as it is fuss free with no minimum spending to meet per transaction or per month. (5% cash back)

Just to add on, if you happen to stay near or  if you frequent Kallang Wave, Citibank SMRT credit card will be the best for grocery shopping with minimum of $50 per transaction. (7.33%)


Personally, I like to use Citibank Dividend CC for NTUC and POSB Everyday for Sheng Siong as they are fuss free with no minimum spent required per month, though the Citibank Dividend requires minimum of $50 per transaction. Cold Storage and Giant, I would use Citibank SMRT, though I rarely do my grocery shopping there.



Tags: best, credit card, grocery, shopping, BOC, Citibank, DBS, Diners, Maybank, OCBC, POSB, Standard Chartered, UOB, Cold Storage, Four Seasons, Giant, Jasons, Market Place, NTUC, Sheng Siong, Kallang Wave



Friday, 21 November 2014

Best credit card(s) for overseas!

FOR THE LATES UPDATE, click the link below:

Best Credt Card(s) for Overseas 2015

I have numerous requests asking for the best credit card for overseas use and after considerable time spent on close examination of different credit cards offered by different banks, I tabulated the results and came up with this table, giving you an overall view of the benefits of recommended credit cards. Also, based on this table, I rocommend the best credit card for overseas use depending on different situations.

I must say there is no 1 card that offers the best deal for overseas spending in my opinion. It all depends on where you are going to and what you are swiping your card for.

Anyway, for your information. And do let me know if you spot any mistakes or if I had missed out any cards.




As I have mentioned earlier, there is no 1 card that is best for overseas use.

If you are travelling to AUS/NZ, the best card is ANZ Travel Visa Signature.

Any other countries, UOB Visa Signature will be your best card, but do remember to spend more than S$1000.00 in foreign currency during your statement period of the maximum rewards.

If you are a small spender or going on a short getaway, and you know your expenses oversea will definitely to less than S$1000.00, bring along your CITI Rewards CC and charged to it at department stores, shops that sell bags, clothes, shoes. Then charge the rest to your ANZ Travel Signature.

Hope this table is useful to those who are travelling in this holiday season!

PS. The table does not take into account of special promotions which may happen from time to time. I also did not take into account of conversion rates, cross border charges etc.



Tags: overseas, spending, credit card, ANZ Travel Visa Signature, Citibank Clear Platinum, Premiermiles, Rewards, DBS Altitude, Maybank Horizon, OCBC Titanium, Standard Chartered Manhattan, UOB PRVI Platinum, Visa Signature, VISA, MASTER, AMEX, cash rebate, miles, shopping, holiday, vacation, getaway










Wednesday, 19 November 2014

Debit card and the risks of using it!

I have heard and seen a few cases of fraudulent charges made on debit cards. Amounts charged ranged from a few dollars to a few thousand dollars! But luckily, almost all the cases ended on a happy note with the money returned to the owner after investigations by the bank.

Personally I have never used a debit card before (used cash before I had a credit card) but I know the risks faced by debit card users, are the same with credit card users.

Let me give you a few tips to protect your money.

Before that, you must know how a debit card works.
A debit card works exactly like credit card and NETS combined. The parts that are identical to credit card: the card goes through the card terminal, signature may be required and there is a charged slip for the purchase. The part that is identical to NETS: the money is deducted right away! Hence, you need to have money in your account before the transaction is approved.



So how can you prevent or minimise your loss?

1) Never use a debit card at all.

Giving your debit card to the waiter/waitress at the restaurant while you wait at your table is akin to giving your ATM card + your pin number to a stranger. You never know what can happen in between the wait.

2) Never use a debit card for online transaction

Using a debit card for online transaction is as unsecured as using a credit card for online transaction. Your card details may be stolen and you may get fraudulent charges on your card.

3) If you really need to use a debit card, keep the money in your account low like S$500.00 or S$1000.00

Or, keep it low at all times. Transfer the money only when you need to make the purchase.

4) Never use a debit card that is linked to your main savings account

You are giving thieves out there to access your entire piggy bank if you use a debit card linked to your main savings account!

For points (1) and (2), you may argue that the risks faced by debit card and credit card users are the same, then why is using credit cards encouraged but using debit cards is not encouraged?

Firstly, credit cards offer perks which are usually much better than those offered by debit cards. Some debit cards do not offer any perks for some purchases at all. Weighing the pros and cons, the benefit of using a credit card is there but debit cards may not give you much benefit for the same exposed risk!

Secondly, if you get a fraud charge on your credit card, you do not need to pay for it while investigations are ongoing. BUT if your entire kitty has been wiped out due to fraud charge to your debit card, you may not get any cent back until investigations are completed and this may take weeks! Worse if your main account is being wiped out. You will be broke for the duration investigations are ongoing! (Of course, you may seek redress from the bank and they may return the money to you first, but there is no guarantee on this)

The point to take home is, try not to use your debit card and if you really need to, link it to an account with small amount of money.



Tags: debit card, credit card, fraud, fraudulent charge, risk, loss

Tuesday, 18 November 2014

Error in Straitstimes article: PM Lee Hsien Loong and other G-20 Summit leaders pose with koala bear named Jinbelung

I was reading the Straitstimes during lunch today when I found a common error in one of the headlines:

PM Lee Hsien Loong and other G-20 Summit leaders pose with koala bear named Jinbelung 

Article here

Before I reveal the error, have you spotted it too?

Image credit: PM Lee's facebook
Well, it is the word "bear" after koala. 

Strictly speaking, a koala is NOT a bear. It is closer to the wombat family than to the bear.

According to Wikipedia, koala is an arboreal herbivorous marsupial native to Australia. It is the only extant representative of the family Phascolarctidae, and its closest living relatives are the wombats.

I have been to Australia and the locals are pretty protective of their native species, and they kept educating tourists that a koala is NOT a bear. They also emphasised the fact that the koala is native to Australia.

Now, Ms Chew Hui Min (writer of the article), better correct your error before the Australians are offended!

PS. PM Lee got it right in his facebook post by using "koalas" instead of "koala bears".



Tags: Singapore, Straitstimes, G-20 summit, Australia, koala bear

 

Friday, 14 November 2014

ESSO Vouchers Giveaway - S$5.00 off S$50.00 gross fuel purchase!

Giveaway has ended!

Post updated with payment by OCBC 365 CC.


A booklet of Esso vouchers!
S$5.00 off synergy fuel with purchase of S$50.00 gross fuel!

Terms and conditions

The vouchers are valid from 1 Dec 2014 to 31 Dec 2015! 

Yes! You did not see wrongly! Your monitor is not faulty as well!

The vouchers are valid for a whole 13 months!!! Total of 52 vouchers in the booklet!

And the vouchers can be used in any ESSO station!

Yes! You did not see this wrongly as well!

There are 4 vouchers given for every single month, starting from 1 Dec 2014 and the last batch of vouchers are valid till 31 Dec 2015! Each voucher gives you S$5.00 off S$50.00 gross fuel purchase! So you get to save S$20.00 using the vouchers alone!
Use the vouchers together with the DBS Esso Platinum to get the maximum discount without fuss!

DBS Esso Platinum

S$50.00 - 17% - S$5.00 = S$36.50 (27% discount! And FUSS FREE)

Citibank Dividend

If you only pump petrol at Esso, you will need to pump S$64.00 gross to be entitled to 5% Citibank Dividend cash rebate. (Requires minimum of S$50.00 to be charged to your Citibank Dividend CC)

S$64.00 - 14% - S$5.00 = S$50.04 - 5% = S$47.54 (25.73% discount)

If you purchase a booklet of parking coupons everytime you pump at Esso, you only need to pump S$52.40 gross petrol:

S$52.40 - 14% - S$5.00 =  S$40.06 - 5% = S$38.06 (27.37% discount) 
Note: 5% cash rebate still applicable because you charged a total of S$50.06 (petrol + parking coupon) to your Citibank Dividend CC.

OCBC 365 CC

S$50 - 14% - $5 - 5% = S$36.10 (27.8% HIGHEST DISCOUNT!)
Note: You have to accumulate $600 every month on this card before you can get the 5% cash rebate 




Tags: Esso, $5.00 discount, voucher, Hougang Avenue 3

Credit cards: Let them be your slave and not the other way round!

Recently, I saw and heard a few cases of people owing money to banks due to overspending using credit cards instalment plans, paying minimum sum for credit card bills every month etc. All these can be avoided and should be avoided.

Credit card is like fire. Let it serve you and you are well. Let it climb over your head and you are doomed.

We should make our credit cards work for us and not the other way round. We should exploit discounts, cash rebates, freebies, rewards points offered by credit cards. But never, ever let the banks exploit us by charging us their ridiculous annual fees, late payment and interests.



1) Instalment Plans

Instalment Plans are in place to people feel and think that they can afford certain things when they actually cannot afford.

For instance, a person earning $3,000.00 with zero savings will not be able to afford a television priced at $5,000.00. He does not have the means to cough out $5,000.00 to pay for the television upfront. However, with instalment plans offered by merchants and banks, one can easily pay for the television by 12-months ($417.00 per month), 24-months ($209.00 per month) instalment plans.

Worse still, after purchasing the $5,000.00 television on 24-months instalment plan, the person finds that he still has room for more instalments! And he went on to purchase a new washing machine, a new stereo system etc etc. All on instalment plans! If his monthly instalment payment (assuming all are 24 months IPP) is $1,000.00 (around a third of his monthly salary), that means he had purchased $24,000.00 worth of goods! 8 times his monthly salary!

If this is not over-spending, then I do not know what is.

My advice is:
One should never make use of instalment plans offered by banks. Instalment plans are there to make you feel that the item is relatively "cheap" and "affordable". Instalment plans make you spend more than you can afford in actual dollars and cents.


2) Never use future money

Swipe your card for purchases that you know you already have the cash to pay for.  
Never depend on your next paycheck to pay for the current item that you want to buy. 

You swipe your credit card and not pay cash for the item, simply because you want to take advantage of the cash rebates/points earned for the purchase! You should never swipe your card because you have no money to pay for the item now and you have to wait for the next paycheck to pay for the item!



3) Pay your bills in full all the time

Always pay your bills in full and never ever pay the min sum and let the debt roll over. With typically 24% per annum interest charged on balance, this is almost the highest interest rates you could be paying your whole life! You will NEVER be able to pay up your debt if you just pay the minimum sum every month because you will be paying for the interest only most of the time!

Follow the above 3 rules and you will be safe!

Remember: credit cards should be our slave; we should not be the slaves of credit cards/banks!





Tags: bank, credit card, interest, annual fee, debt, roll over, instalment, installment, IPP, bills, future money,

Thursday, 13 November 2014

Get 10% cash rebate at Sheng Siong this weekend (15 & 16 Nov 2014) with POSB Everyday card!

For this weekend only (15 & 16 Nov 2014), get 10% cash rebates (additional 5% to be credited by 31 Mar 2015) by using POSB Everyday card to pay for your purchases at Sheng Siong.

Just charge a minimum of S$200.00 (posted local and foreign retail sales, posted 0% interest-free instalment plan, posted recurring bill payment but excludes interest, finance charges, cash withdrawal, balance transfer, smart cash and all fees charged by DBS) to your POSB Everyday CC on this weekend (15 & 16 Nov 2014) to enjoy this promotion!


Max of S$50.00 in rebates to be earned!


Hurry and shop at Sheng Siong this weekend! Of course, don't forget to charge a minimum of S$200 to your POSB Everyday CC to enjoy the 10% cash rebates!

More information here!



Tags: POSB, Everyday, Sheng Siong, weekend promotion, 15 & 16 Nov 2014, 10%, cash rebate

Receive a S$50 prepaid card from Masterpass!

Sign up and register for a MasterPass account and get a prepaid card with S$50.00!

Offer applies to the first 3,500 registrants only! So hurry up!

Promotion period is from 12 November to 31 December 2014 (both dates inclusive).

Step 1: Register for your new MasterPass wallet with your bank at masterpass.com.sg.  A confirmation email will be sent to you upon successful registration.

Step 2: Fill up the short form with your details and you’re done!

You will see this statement after step 2:

Thank you for participating in this promotion! 
An email will be sent to you within 3 business days once we have verified your registration.
Stay around and enjoy a little something extra as well with our range of exciting offers from our merchants below.


And you are done!


More information here!

Important terms and conditions to take note:

1) To be eligible to participate in the Promotion, Qualifying Cardholders must first register for a
MasterPass account on the MasterPass webpage at www.masterpass.com.sg (“Registration
Landing Page”).

2) Each Qualifying Cardholder who (i) registers for a MasterPass account on the Registration Landing
Page; (ii) receives an electronic mail (email) notification from his/her preferred MasterCard card
issuing bank (selected when registering for the MasterPass account on the Registration Landing
Page) notifying the Qualifying Cardholder that his/her registration has been successful
(“Registration Notification Email”); and (iii) registers for the Promotion by completing the
submission instructions stipulated in clause II(b) below will be entitled to receive one (1) SGD50
MasterCard branded prepaid card (“Prize”) issued by EZ-Link Pte. Ltd. (“Issuer”).



Tags: Masterpass, S$50.00, prepaid card

Wednesday, 12 November 2014

12 GOOD HABITS motorists should have

1) Signal your intention

The signal indicator is there for a reason - to signal your intention. Quite a handful (and it is a really BIG hand) of motorists do not use the signal indicators at all. And this BAD habit poses a danger to you and other motorists.

Signal when you want to change lane.
Signal when you are going to make turns.
Signal if you are going left/right on a lane where you can go left/right or straight.

Let others know your intention and there will be less accidents. (I'm not joking)


2) Turn on your headlights/headlamps

Turn on your headlights/headlamps when the environment is dark. This includes night time, carparks, dimly lit area, rainy days, tunnels. Let others see you and let yourself see the front.

I seriously do not understand why one would turn into a carpark and turn off the headlights/headlamps. Come on, turn on your headlights/headlamps and when you go up the ramp, others who are coming down the ramp can see you and stop for you.

DO NOT USE THE FOG LIGHTS as a replacement for your headlight/headlamps.


3) Wave when someone gives way

Wave to "say" thank you. And the society will be a more gracious one. Wave when someone gives way to you and the person will feel happier. And it doesn't kill you to wave, right?

 
4) Give way to vehicles, especially to ambulance, fire-fighting vehicle etc

Give way to vehicles whenever possible without endangering your life or others. Be gracious and others will pay it forward.


5) Drive close to the speed limit (Do not hog the road)

I do not encourage speeding and I do not encourage hogging. Drive close to the speed limit whenever possible. Speed limit in Singapore is 50km/h unless otherwise specified.

Do not drive at 70km/h (for cars) when you are on the expressway with speed limit of 90km/h, especially on lane 1 and 2. There is ERP because of slow speed. If everyone drives as close to the speed limit (or the speed limit of your vehicle for vans/lorries/bus etc) as possible without endangering other motorists, ERP could be a thing of the past (like real).

Do not speed at more than 10km/h above the speed limit (my own limit)! Do not endanger your own life and others' life with your irresponsible antics! Do not exceed the speed limit AT ALL TIMES on normal roads.


Do not hog lane 1 (extreme right lane).
Do not speed on normal roads (non expressways).
Limit your max speed to speed limit + 10km/h on expressways. (My personal max speed limit, not recommendation by Singapore Traffic Police. Follow at your own risk!)


6) Plan your journey and prepare in advance

Plan your route well and move to the correct lanes in advance. Shift to the left lane in advance if you are making a left turn and shift to the right lane in advance if you are making a right turn. Shift to the extreme left lane well in advance prior to your exit on the expressways.

Many delays are caused by last minute lane changing which will create a domino effect of braking, reducing the overall speed.


7) Be alert and prepare to stop on AMBER. DO NOT BEAT THE RED LIGHT!

Amber light is to let you know that you should slow down and stop. When you are approaching a traffic junction, you will see 3 arrows drawn on the floor.

If you are at the 1st arrow (furthest from stop line and can only see 2 arrows ahead of you) and the light is AMBER, you should stop accelerating and start braking to stop at the STOP LINE.

If you are at the 2nd arrow (can only see 1 arrow ahead of you) when the light turns AMBER, you should stop accelerating and start braking to stop at the STOP LINE IF it is safe for you to do so. You may also accelerate and cross the junction if there is a car following you closely or if there is heavy vehicle behind you (as heavy vehicle has longer braking distance).

If you are at the 3rd arrow (cannot see any more arrow ahead of you, closest to stop line) and the light is AMBER, you should proceed to cross the junction. DO NOT E-BRAKE as you may cause a collision!


8) Check your tail/brake lights

Check your tail and brake lights periodically and ensure that at least 2 are working. Driving without working tail/brake lights is dangerous. Do not endanger your own life as well as others' lives.

You can ask your passenger to help check your tail/brake lights.

If not, do a self check by turning on your head lights and look at the wall behind when parked to check if your tail lights are working. Depress the brake pedal and check if the brake lights are working.

You can also check your tail/brake lights when you are stopped at traffic lights and there is a bus/lorry behind your. Just check your rear view mirror and look at the reflection off the bus/lorry.


9) Check your blind spots

Check your blind spots before you change lane. Do not be lazy and rely on your small blind spot mirror. Turn your head and check!


10) Use your hazard lights when you are stopping or when you intend to park

Nobody can read your mind except yourself. Hence, no one will know if you are stopping unless you turn on your hazard light to indicate your intention.

Do not use your hazard lights when there is heavy rain! Otherwise, other motorists do not not if you are stationary or moving. And no one will know if you are turning left or right! Just turn on your headlights/headlamps will do.


11) Turn to the correct lanes

If there is no road marking to guide you, the rule of thumb is:

Turn left, keep left
Turn right, keep right

If there is road marking to guide you, FOLLOW the road marking. DO NOT encroach other lanes!


12) Do not tail-gate

Tail-gating will not make you go faster. Instead you are risking banging into the car in front. Keep a safe distance from the car in front. 2 second rule is a good indicator to follow. Everyone wants to leave home and return home alive. Do not risk your life and others' too.



Tags: good habits, motorists, driving, car, signal, change lane, head light, tail light, brake light, hazard light, parking, blind spot, wave, give way, speed limit, traffic police, amber, red light

Tuesday, 11 November 2014

What do I do with points earned in Esso, Shell, Caltex?

Well, I received an email asking me for advice in this area.

I did my research and found the way to make the most out of your rewards points from different petrol brands.

Caltex

Image credit: Caltex Singapore
 




The point system in Caltex is known as Thanks! and you earn 1 point for every litre of petrol, with no decimal point.

So what do I redeem with my Thanks! Points?

For Caltex, the best thing to redeem is Car Wash.

Every 220 Thanks! points earn you 1 car wash which is worth S$8.00, which works out to be about 1.81%, assuming petrol price is S$2.00.

Every 40 Thanks! points earn you S$1.00 off your petrol purchase, which works out to be about 1.25%

Rewards catalogue here.



ESSO

Image credit: Esso Singapore










The point system in Esso is known as the Smiles Rewards and you earn 1 point for every litre of petrol, down to 1 decimal point.

So what do I redeem with my Smiles Rewards Points?

For Esso, the best thing to redeem is Esso fuel.

Every 750 Smiles points earn you S$30.00 worth of petrol, which works out to be about 2%, assuming petrol price is S$2.00.

Rewards catalogue here.


SHELL 

Image credit: Shell Singapore













The point system in Shell is known as the Shell Escape and you earn 1 point for every litre of petrol, down to 1 decimal point. 1.2 point for every litre of Shell Vpower.

So what do I redeem with my Escape Points?

For Shell, the best thing to redeem is Car Wash.

Every 200 Escape points earn you 1 car wash worth S$8.00, which works out to be about 2%, assuming petrol price is S$2.00.

Every 600 Escape points earn you $20.00 worth of petrol, which works out to be about 1.67%, assuming petrol price is S$2.00.

Rewards catalogue here.



As you can see, Esso has the most superior rewards system if you would lke to redeem petrol with the points. Shell has the lousiest rewards system in comparison.

However, if you are ok with redeeming petrol or car wash with the points, then Caltex is the lousiest. Esso and Shell are on par.



Tags: Caltex, Esso, Shell, Thanks!, Smiles, Escape, rewards, points, petrol, car wash

Friday, 7 November 2014

Get 10% cash rebate at Watsons this weekend (8 & 9 Nov 2014) with POSB Everyday CC!

Just this weekend only (8 & 9 Nov 2014), get 10% cash rebates (additional 7% to be credited by 28 Feb 2015) by using POSB Everyday card to pay for your purchases at Watsons.

Just charge a minimum of S$200.00 (posted local and foreign retail sales, posted 0% interest-free instalment plan, posted recurring bill payment but excludes interest, finance charges, cash withdrawal, balance transfer, smart cash and all fees charged by DBS) to your POSB Everyday CC on this weekend (8 & 9 Nov 2014) to enjoy this promotion!


Max of S$50.00 in rebates to be earned!


Hurry and shop at Watsons this weekend! Of course, don't forget to charge a minimum of S$200 to your POSB Everyday CC to enjoy the 10% cash rebates!

More information here!



Tags: POSB, Everyday, Watsons, weekend promotion, 8 & 9 Nov 2014, 10%,cash rebate

Wednesday, 5 November 2014

Passion Card and its benefits!


Do you know what is a Passion Card? Do you know what benefits this card gives you?


Let me tell you!










1) Shopping at Capitamalls

If you shopped frequently at Capitamalls, PAssion Card members can now earn exclusive 1.5 STAR$® daily at CapitaMalls and exchange them for CapitaMalls vouchers. Every S$1 gives you 5 STAR$® but for Passion Card holders, every S$1 gives you 7.5 STAR$®.

You may redeem 5000 STAR$® for S$5 Capitamall voucher. And this works out to be 0.75% rebates instead of 0.5%!

2) Shopping at participating retail banners under Dairy Farm Singapore

Do you shop at these retail stores?
  • Cold Storage
  • Market Place
  • Giant hypermarkets
  • Guardian Health & Beauty stores
If you do, you can earn TapForMore points at these retail stores! Every S$1.00 spent on eligible purchase earns you 1 TapForMore point. 1500 TapForMore points is equivalent to S$10.00 and you are allowed micro-redemption (meaning you can redeem with whatever credits you have inside your card)!

This works out to be 0.67% rebates!

(Eligible purchases exclude online purchases at www.coldstorage.com.sg, Guardian Departure Transit Lounge East T1 and Budget Terminal, purchases done at self-checkout counters, statutory services and products, The Choice vouchers, newspapers, magazines, tobacco and infant milk formula products.)


3) Complimentary National Library Board Premium Membership for 5 years

4) Easy travel on buses, MRT/LRT and taxis with EZ-link CEPAS

The Passion Card is also an Ez-link card!

5) Exclusive privileges at all Community Clubs & other PA outlets islandwide, and further 2% off members' rates when you pay with your Cards at all CCs or online

Furthermore, you get discounts with merchants that tied up with the Passion Card. Click here to find out which merchants are associated with the Passion Card.

And the best thing of all, it only costs S$10 - S$12 for a 5 year membership! So hurry, sign up for the Passion Card now! Click here to apply for the Passion Card now!





Tags: Passion card, PA, Cold Storage, Giant, Guardian Pharmacy, Market Place, Ez-Link






Tuesday, 4 November 2014

Enjoy up to 20% savings on petrol with SAFRA Nov/Dec Special Caltex coupons!

Pick up a fuel discount coupon booklet from any SAFRA Club to enjoy up to 20 per cent savings on petrol* - each booklet contains three discount coupons (worth a total of $9). Each coupon is redeemable with a minimum of $50 gross fuel pumped!

All SAFRA members
Enjoy $2 off your fuel purchase with each special coupon.

SAFRA DBS Credit and Debit Cards
Enjoy an additional $1 off with special coupon.
(Payment must be made with a SAFRA DBS Credit or Debit Card.)

Collection Details:
From 8 Nov 2014 onwards, 6,000 discount coupon booklets are available for collection at all SAFRA Clubs. Valid for use till 31 Dec 2014.

Terms & Conditions

  • The percentage savings shown are for illustrative purposes only. The total percentage saving of 20% is calculated based on a transaction amount of $50 on Premium 95 with Techron® and an illustrative pump price of Premium 95 with Techron® at $2.24 a litre – SAFRA Card members will be entitled to 5% Caltex site discount and 9% SAFRA card discount on Caltex petrol with Techron®, 1.15% equivalent of Thanks! Points (if applicable) and $2 or $3 discount coupon distributed by SAFRA from 8 Nov to 31 Dec 2014; 40 Thanks! Points are equivalent to $1. Other Thanks! Points. Terms and conditions apply.
  • Limited to one fuel discount coupon booklet to each SAFRA member, on a first come, first served basis. Each club has a minimum of 1,000 booklets available.
  • Each coupon is redeemable with a minimum purchase of $50 gross fuel pumped in a single receipt at any Caltex service station in Singapore. Only one coupon may be used in each transaction.Other coupon terms and conditions apply. Please refer to the coupons for details.
More information here!



Now, while the website recommends paying with SAFRA DBS card for additional S$1.00 off, it is not worth it.

Pay with SAFRA DBS Card

S$50.00 - S$2.00 (coupon) - S$1.00 (S$1.00 off for SAFRA DBS) - 14% (Site 5% + SAFRA 9%)  = S$40.42 (19.16% discount)

Pay with Citibank Dividend CC to get the most out of this promotion.

S$62.00 - S$2.00 (coupon) - 14% (Site 5% + SAFRA 9%) - 5% (Citibank Dividend) = S$49.02 (20.94% discount)
NOTE: Pump S$62.00 if you are using Citibank Dividend CC because you need to charge min S$50.00 to get 5% cash rebates.



Tags: Caltex, Safra, coupon, petrol, diesel, discount, DBS

Spend S$300 ONLINE with FEVO Prepaid MasterCard and get S$50 CapitaVoucher!

Spend S$300 online with FEVO Prepaid MasterCard® and receive S$50 CapitaVoucher!

Be the first 600 registered FEVO cardholders to spend S$300 online and be rewarded with S$50 CapitaVoucher.

This promotion is valid from 1 November to 31 December 2014


Terms and Conditions:
  • This promotion is valid from 01 November to 31 December 2014.
  • This promotion is only available to the first 600 Registered FEVO cardholders who spend $300 or above for online purchases.
  • S$300 minimum accumulated spend must be on online merchant purchases. Spend excludes payment of funds for top-ups made to prepaid accounts.*
  • S$300 minimum accumulated spend must be on the MasterCard purse.
  • S$300 minimum accumulated spend must fall within 01 November and 31 December 2014 to qualify.
  • Only settled transactions by 5 January 2015 will qualify.
  • An email notification will be sent to the FEVO cardholder’s registered email address who qualifies to receive the S$50 CapitaVoucher.
  • CapitaVouchers will be mailed to cardholder’s mailing address 4 weeks after the campaign.
  • Cardholders are responsible to update their mailing address before 31 December 2014. EZ-Link shall not be responsible for any non-receipt where any mailing address detail is inaccurate.
  • Promotion is restricted to one voucher redemption per registered FEVO card.
  • EZ-Link reserves the right to vary the terms and conditions of the promotion.

More info here!




Do note that topping up your Fevocard will incur a 1% admin fee.

That means for this promotion, you will get:

S$303 (including 1% top up fee) - S$50 = S$253.00 (15.67% discount)

IT'S WORTH IT!



Tags: Fevo, prepaid, mastercard, Capitavoucher

Monday, 3 November 2014

Shop at Capitamalls and earn 0.5% rebates!

Do you find yourself shopping at Capitamalls frequently?


If you do, have you enrolled yourself in the Capitastar programme? If not, hurry and enrol now!

Terms and conditions (some important ones only, please visit the link below for more information):
  • Earn 5 STAR$® with every S$1.00 spent (minimum S$20 in a single receipt)
  • Scan within 24 hours of purchase (via CAPITASTAR APP or self-service kiosk located in the mall)
  • STAR$® earned in a calendar year will expire on the 31 December of that year. However, shoppers are given an additional six months´ grace period to redeem their STAR$®
  • Max of 1000 STAR$® per day
You may redeem S$5 Capitamall voucher for every 5000 STAR$® earned and this works out to be 0.5% rebates! This is on top of whatever discounts, rebates you have earned from your credit cards, membership cards etc. 0.5% is better than nothing!

So hurry and enrol in the Capitastar programme now!

More information here!



Tags: Capitamall, STAR$®, rebate, Capitaland, Bedok Mall, Bugis Junction, Bugis+, Bukit Panjang Plaza, Clarke Quay, Funan Digitalife Mall, IMM Building, JCube, Junction 8, Lot One, Plaza Singapura, Raffles City, Rivervale Mall, Sembawang Shopping Centre, Tampines Mall, The Start Vista, Westgate, shopping