My Singapore Credit Card Spending Strategy (Update: 23 April 2014)

Rule 1

Groceries – All Cold Storage, NTUC Fairprice, Guardian Pharmacy, Unity Pharmacy, Popular Bookstore, Pizza Hut and McDonalds delivery spending to charge to Maybank Platinum Family and Friends Mastercard.
5% cash rebate
Source: info.maybank2u.com.sg/personal/cards/credit/family-friends-platinum-mastercard.aspx

Fuel – All petrol to be filled at Esso using Citibank Dividend Platinum linked to Esso Smiles Card.
18.3% discount/cashback
Source: www.citibank.com.sg/gcb/credit_cards/citi_esso_promotions.htm

Dining – All dining charge to UOB Preferred Platinum American Express.
Get 10xUNI$, i.e. $1 = 2UNI$
= 4 Krisflyer miles

Source: www.uob.com.sg/personal/cards/credit/uob_preferred_platinum.html

Online Transactions – All transactions with “online merchants” charge to UOB Preferred Platinum Visa.
Get 10xUNI$, i.e. $1 = 2UNI$ = 4 Krisflyer miles
“Online merchants include bookstores, cinemas, entertainment, electronics, fast food, music and retail shopping, BUT excludes all airlines, travel, transport, top-ups for any pre-paid card,
government, utilities, telecommunications, brokerage/securities, insurance, education/tuition,  online money transfers and online gambling websites.”
Source: http://www.uob.com.sg/personal/cards/credit/preferred_platinum_visa_card.html

Paywave Transactions – All Visa Paywave transactions at these merchants charged to UOB Preferred Platinum Visa.
e.g. 
ANDERSEN’S OF DENMARK
CEDELE
CHALLENGER
COFFEE BEAN & TEA LEAF
COLD STORAGE
DIAN XIAO ER
FAIRPRICE SUPERMARKET
GIANT
HOME-FIX D.I.Y STORE
JASON’S MARKET PLACE
SHENG SIONG 
STARBUCKS 
SUSHI-TEI 
TAKASHIMAYA DEPARTMENT STORE 
TOAST BOX
WATSON’S
ZOUK
Get 10xUNI$, i.e. $1 = 2UNI$ = 4 Krisflyer miles
Source: www.uob.com.sg/personal/cards/credit/preferred_platinum_visa_card.html

10xUNI$ worked examples:
– Spend $7,500 = 30,000 Krisflyer miles = Economy SIA ticket SIN-HK-SIN worth $696 (excl. taxes)
Effective cash rebate = $696/$7,500 =9.28% rebate
– Spend $13,750 = 55,000 Krisflyer miles = Business SIA ticket SIN-HK-SIN worth $2,156
Effective cash rebate = $2,156/$13,750 = 15.7% rebate
Source: www.krisflyer.com

Overseas Transactions – All overseas spending charge to UOB One Visa (subject to spending cap of $5,000 per calendar year)
2% cash rebate
Source: www.uob.com.sg/personal/cards/credit/uob_one_card.html

Rule 2
Subject to Rule 1, all monthly recurring expenses (GIRO payments, Straits Times, phone bill, internet bill, gym membership, utilities bills etc) and any additional expenditure up to $1,500 to charge to UOB One Visa.
3.33% cash rebate (provided that at least $1,500 is spent for 3 consecutive months)
Source: www.uob.com.sg/personal/cards/credit/uob_one_card.html

Rule 3
All expenses that are not caught by Rules 1 and 2 above will be charged to DBS Altitude Visa.
1.2 miles per $1 spend below $2,000, 1.6 miles thereafter
Source: www.dbs.com.sg/personal/cards/credit-card/visa-altitude/default.page
DBS Altitude Visa worked examples:
– Spend $25,000 = 30,000 Krisflyer miles = Economy SIA ticket SIN-HK-SIN worth $696 (excl. taxes)
Effective cash rebate = $696/$25,000 =2.78% rebate
– Spend $45,833 = 55,000 Krisflyer miles = Business SIA ticket SIN-HK-SIN worth $2,156
Effective cash rebate = $2,156/$45,833 = 4.7% rebate
Source: www.krisflyer.com

Q&A
Why don’t you use the Citibank Dividend card which gives a 5% cash rebate for all groceries/pharmacies or a 2% cash rebate for dining outlets?

Because there is a minimum spend of $50 for each transaction, so if your bill falls below $50, you don’t get the cash rebate.

How about the UOB Visa Delight card which gives 10% cash rebate for groceries?
Because you need to have a minimum total qualifying spend of $1,000 per calendar month to be eligible., Plus the 10% rebate drops to 5% after 30 June 2014 (read the fine print).

SCB Singpost Platinum Visa for 5% cash rebate for groceries and 2% for online merchants?
Minimum monthly spend of $500.

This post supersedes the original post: nicolastang.com/2013/06/11/credit-card-spending-strategy/

The Summer Day

Who made the world?
Who made the swan, and the black bear?
Who made the grasshopper?
This grasshopper, I mean –
the one who has flung herself
out of the grass, the one who is eating sugar out
of my hand,
who is moving her jaws back and
forth instead of up and down –
who is gazing around with her
enormous and complicated eyes.
Now she lifts her pale forearms and
thoroughly washes her face.
Now she snaps her wings open,
and floats away.
I don’t know exactly what a prayer is.
I do know how to pay attention,
how to fall down
into the grass, how to kneel down
in the grass,
how to be idle and blessed, how
to stroll through the fields,
which is what I have been doing all day.
Tell me, what else should I have done?
Doesn’t everything die at last, and too soon?
Tell me, what is it you plan to do
with your one wild and precious life?

~ Mary Oliver

Paul Oakenfold – Toca Me (Benjani Remix)

Paul Oakenfold: “Toca Me was a massive record for me in the late 90’s – as I know it was for a lot of my peers at the time. It was one of those tracks that you could play in any situation and the place would go off. When the idea came up of doing the Trance Mission covers album this was one of the first titles I immediately knew I wanted to cover. There have been some great remixes of the original Fragma version over the years so I knew I had to make something different and so I went for a style and direction that many are currently referring to new school trance.”

The Invitation – Oriah Mountain Dreamer

It doesn’t interest me what you do for a living. I want to know what you ache for and if you dare to dream of meeting your heart’s longing.

It doesn’t interest me how old you are. I want to know if you will risk looking like a fool for love, for your dream, for the adventure of being alive.

It doesn’t interest me what planets are squaring your moon. I want to know if you have touched the centre of your own sorrow, if you have been opened by life’s betrayals or have become shrivelled and closed from fear of further pain.

I want to know if you can sit with pain, mine or your own, without moving to hide it, or fade it, or fix it.

I want to know if you can be with joy, mine or your own; if you can dance with wildness and let the ecstasy fill you to the tips of your fingers and toes without cautioning us to be careful, be realistic, remember the limitations of being human.

It doesn’t interest me if the story you are telling me is true. I want to know if you can disappoint another to be true to yourself. If you can bear the accusation of betrayal and not betray your own soul. If you can be faithless and therefore trustworthy.

I want to know if you can see Beauty even when it is not pretty every day. And if you can source your own life from its presence.

I want to know if you can live with failure, yours and mine, and still stand at the edge of the lake and shout to the silver of the full moon, ‘Yes.’

It doesn’t interest me to know where you live or how much money you have. I want to know if you can get up after the night of grief and despair, weary and bruised to the bone and do what needs to be done to feed the children.

It doesn’t interest me who you know or how you came to be here. I want to know if you will stand in the centre of the fire with me and not shrink back.

It doesn’t interest me where or what or with whom you have studied. I want to know what sustains you from the inside when all else falls away.

I want to know if you can be alone with yourself and if you truly like the company you keep in the empty moments.

Coldplay – Magic

Call it magic, call it true
I call it magic when I’m with you
And I just got broken, broken into two
Still I call it magic, when I’m next to you

And I don’t, and I don’t, and I don’t, and I don’t
No I don’t, it’s true
No I don’t, no I don’t, no I don’t, no I don’t
Want anybody else but you

No I don’t, no, I don’t, no, I don’t, no, I don’t
No I don’t, it’s true
No I don’t, no I don’t, no I don’t, no I don’t
Want anybody else but you

Ooh ooh ooh

Call it magic, cut me into two
And with all your magic, I disappear from view
And I can’t get over, can’t get over you
Still, I call it magic, such a precious truth

Wanna fall, I fall so far
I wanna fall, fall so hard
And I call it magic
And I call it true
Call it magic

Ooh ooh ooh
Ooh ooh ooh
Ooh ooh ooh
Ooh ooh ooh

And if you were to ask me
After all that we’ve been through
“Still believe in magic?”
Well yes, I do
Oh yes, I do
Oh yes, I do
Oh yes, I do
Of course I do