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credit cards suggestion

hi currently pr, me ocbc 360 account kaya gumagamit ng ocbc 365 cc, frank and ntuc visa cc (linkpoints). naka starhub na mobile plan x 2, m1 internet sa bahay, naka link ung 2 ezlink card sa ocbc 365 for auto reload
usually nag grogrocery sa fairprice. kumakain sa labas usually pag weekend. nood cne. anong credit card(s) pinaka ok sa ganitong lifestyle? me kelangan ba ako idagdag or bawasan or palitan na cc? any suggestions?

Comments

  • Hi @silverstar not sure about ocbc but we use Citibank for all our transaction. Mabilis cyang mag earn ng credits then magagamit cya to redeem grocery vouchers :)
  • Sa akin, may OCBC 360 account ako at NTUC CC. Since palagi kami sa fairprice namimili, maximize yung points sa cc, earn linkpoints tapos meeet yung minimum cc spending for 360 account. Yun din ginagamit ko for online payments.

    Try mo din explore yung UOB One. Parang OCBC 360 din at may mga cashbacks.

    Sa OCBC at UOB ko, nakakakuha ako ng halos isang daan na rebates kada buwan. Walang extra spending. Normal monthly spending lang.

    Maganda rin everyday card. walang expiry yung reward points. pwede ipunin.
  • depende sa gusto mo ma earn:
    kung reward points and rebates, better sa CC ng bank mo (kung nasaan ang savings/salary mo). Or yung mga CC na hindi nageexpire ang reward points like POSB Everyday Card.

    Kung dining rewards/saving sgusto mo, at mahilig kayo mag fancy dining ng asawa o gf mo, kuha ka ng Amex Card, 50% kapag 2 diners sa mga fancy restaurants.

    Kung miles/travel rewards, explore mo yung travel/miles CC ng bank mo or ng DBS, AMEX, UOB, ANZ.

  • @admin,

    anong citibank cards gamit mo and for which specific purpose per card?

    me nakita ako hsbc revolution, balak ko sana kumuha 1k first month tapos me samsonite luggage tapos after nun balak ko na ipacut. ok lang kaya un?
  • @silverstar
    ok lang yun, I always do that, all of my luggages (4), got them all from new cc applications, once confirmed ko na qualified ako sa gift I will stop using the card, after I get the gift pinapa cancel ko na yung card.

  • @silverstar gamit ko smrt. Pero ung kay @AhKuan malupit if normal spending lang nakakaaccumulate cya ng 100 a month. Silipin ko nga.
  • @Admin, yung total noon ay kasama na yung OCBC 360 account at UOB One account cashbacks (Giro, online payment, cc spending, salary crediting etc). Yung normal na ginagawa natin every month.
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