Things You Missed – 12th to 18th September 2022

All the personal finance discussion from our chatty Telegram group. We have reached 3,000 members! That’s ten times the number of people King Leonidas had in his fight against the Persian army.

From the Archives

Our financial health is perhaps the second most important thing after our physical and mental health, and meeting the wrong “doctor” is disastrous. Check out this video if you haven’t on how to better look for a good adviser:

General card discussion

• Google in-app payments: should be online
• Unity outlets that allow top up of FairPrice gift cards
• Ways to convert offline spend to online
• Food Republic accepts ShopBack Pay
• How long does Maybank take to approve card applications?

Promos

• Complete LTA survey for $10 voucher
• Discussion on which $10 voucher to get
• SimplyGo promo
• $4 to complete EZ-Link survey (gone within an hour)
• $60 Frasers gift card for $50
• Amex’s $5 off $50 Shopee promo works for ShopeePay
• Amex utility promo
• Grab 20% pointsback sale (now gone)

Miles and points

• New redemption rates on OCBC’s STACK Rewards
• Data point: UOB PPV gives 4 mpd for Kris+
• Citi PremierMiles and DBS Altitude gives 2 x 2 lounge visits, but 2 different accounts required
• 15% bonus for point conversion to Asia Miles
• Miles for Amex Pay QR
• Citi Rewards: based on statement month
• Discussion: what happens to your miles if you die?

Cashback cards

• Discussion: Maybank FnF and Trust Card
• Discussion: StanChart Unlimited and Citi Cashback+
• Discussion: calculating cashback rate
• Buffed: Bank of China Visa Infinite
• UOB EVOL: cashback mechanic

What card to use for / MCC

• Checking MCC with DBS Cards
• Public transport / Continued
• Touch ‘n Go
• Fave eCard
• Amazon
• $1,500 per month on groceries
• MacBook

Savings and investments

• UOB One: insurance premium does not get cashback, but spend counts towards bonus interest
• DBS Multiplier: ETF to buy for investment category
• Discussion: ILPs promising bonus units
• UOB One: can eligible spend be done across multiple cards?
• Trust Bank: customer service is lacking
• T-Bills: 3.32%
• Discussion on property

Wallet apps

• Jipay: topping up via PayNow with Grab
• Linkpoints: how to earn
• New Grab Power Up Challenge
• Can’t top up Shopee with Grab anymore

Miscellaneous

• Trust Bank hits 100,000 customers within 2 weeks of launch
• Shopee offering $50 voucher for targeted users to do survey

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