Yahoo Finance The UOB Absolute Cashback Card is Getting Nerfed—MoneySmart Review 2024
“The only credit card with no spend exclusion”, UOB promises of their UOB Absolute Cashback Card. For now.
From 6 May 2024, UOB is nerfing their “limitless” cashback credit card. It currently offers a $0 minimum spend, no spend cap cashback rate of 1.7%—the highest in the market for no minimum spend cashback credit cards. It’s a remarkable credit card for being one of the rare few that even allow you to earn cashback on payments like your taxes and insurance payments.
Come 6 May, the 1.7% highest cashback rate will still hold. Phew. But its breadth of categories will take a hit. It’ll no longer apply to categories like charity, education, government, healthcare, utilities, and other professional services. Instead, these categories will earn 0.3% cashback.
Is the UOB Absolute Cashback Card still worth getting? We review its pros and cons.
UOB Absolute Cashback Card Review—Is it MoneySmart? | ||
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Category | Our rating | The deets |
Earn rates: Cashback | ★★★★★ | – 1.7% unlimited cashback |
Earn categories | ★★★★☆ | |
Annual fees and charges | ★★★★☆ | $196.20 (first year waived) |
Accessibility | ★★★★☆ | Minimum income requirement: $30,000 (Singaporeans and PRs) / $40,000 (Non-Singaporeans) |
Extras/periphery rewards | ★☆☆☆☆ | – Earn 3% cashback on overseas spend from now till 30 Jun 2024. |
Sign-up bonus | ★★★★☆ | Sign-up reward: Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart. Plus, the first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow. |
See our credit card ranking rubric to find out how we rank credit cards.
Don’t miss our ultimate list of credit card reviews for the low-down on credit cards in Singapore.
UOB Absolute Cashback Card—MoneySmart Review 2024
1. The UOB Absolute Cashback Card is getting nerfed.
MoneySmart Exclusive
AMAZING APRIL PROMOTION
UOB Absolute Cashback Card
MoneySmart Exclusive:
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Sony PlayStation®5 (SLIM) Disc Edition (worth S$799) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
PLUS enjoy 10% cashback (equivalent to S$100) on the first S$1,000 spend within thirty days and get S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
1.7% limitless cashback on everything, including groceries, insurance, school fees, wallet top-ups, healthcare, Utilities & Telco Bills and Rental
No minimum spend
No minimum spend
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
The UOB Absolute Cashback Card was launched in May 2021 and is currently Singapore’s most generous entry-level unlimited cashback card, thanks to its cashback rate of 1.7%. This doesn’t look like it’s going to change for the immediate future.
Another of the UOB Absolute Cashback Card’s biggest draws is the lack of the usual exclusions, meaning you can earn cashback on almost anything, including taxes, school fees and insurance premiums. This is going to change come 6 May 2024, when you’ll only earn 0.3% cashback instead of 1.7% cashback on charity, education, government, healthcare, utilities, and other professional services. View the full list of categories affected below.
2. UOB Absolute Cashback Card: Annual Fee, Minimum Income
The UOB Absolute Cashback card is a pretty friendly and affordable credit card with minimum income requirements at $30,000 per year.
UOB Absolute Cashback Credit Card | |
Annual Fee | $196.20 |
Annual Fee Waiver | First year |
Supplementary Card Annual Fee | $98.10 (waived for first card) |
Interest Free Period | 21 days |
Annual Interest Rate | 27.8% |
Late Payment Fee | $100 |
Minimum Monthly Repayment | 3% or $50, whichever is higher |
Foreign Currency Transaction Fee | 3.25% |
Cash Advance Transaction Fee | 8% with minimum fee of $15 |
Overlimit Fee | $40 |
Minimum Income | $30,000 (Singaporeans and PRs) / $40,000 (Non-Singaporeans) |
Card Association | American Express |
3. UOB Absolute Cashback Card Minimum Spend
If you’ve been trawling MoneySmart for credit cards, you should already have an inkling of what unlimited cashback cards are. They basically give you a flat cashback rate on all spending, usually with no minimum spending requirements or cashback caps.
The UOB Absolute Cashback Card is one such card, and at the moment, it’s the most generous of its kind, at least as far as entry level cards go. It magnanimously offers a bounteous 1.7% cashback on all your spending.
One of the great things about these kinds of cards is their simplicity. They’re so easy to use that even a kindergartener could figure it out. There’s no need to worry about meeting minimum spending requirements or figure out what spending categories to use the card in.
When it comes to unlimited cashback cards, there’s no need to collect them all—one is more than enough.
Back in the day, the Standard Chartered Simply Cash Credit Card (then called the Standard Chartered Unlimited Cashback Card) and the American Express True Cashback Card were the main unlimited cashback cards on the market, offering a 1.5% unlimited cashback.
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive:
Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
Flat 1.5% cashback rate for all eligible purchases
No cashback cap and no minimum spend
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program
1 year annual fee waiver, no minimum spend required
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
MoneySmart Exclusive
Unlimited Cashback | UPSIZED OFFER
American Express True Cashback Card
MoneySmart Exclusive:
[UPSIZED OFFER]
Get S$200 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
Unlimited & Immediate Cashback - No min spend and no cap on how much you earn. Get your cashback in the same month's statement.
3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members.
1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Then the Citi Cash Back+ Mastercard entered the scene, one-upping the competition by offering 1.6%.
Sponsored
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Citi Cash Back+ Mastercard®
MoneySmart Exclusive:
[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
1.6% cashback on your spend
No minimum spend required and no cap on cash back earned
Cash back earned does not expire
Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
In 2021, the UOB Absolute Cashback Card completely upstaged its competitors by offering a cool 1.7% unlimited cashback. And this is a war we’re completely enjoying.
So far, the UOB Absolute Cashback Card sounds like a fantastic deal. I mean, even after it nerfs some categories from 6 May 2024, it still offers the highest limitless cashback rate for an entry level card. And the categories getting nerfed? Well, it’s not as if the other unlimited cashback cards include them either.
But as with all things in life there’s a catch…the UOB Absolute Cashback Card is an American Express card. Nooo! Why?
4. UOB Absolute Cashback American Express Card
Don’t get me wrong, AMEX is still pretty widely accepted. But there are still lots of merchants who only accept Visa or MasterCard, especially smaller businesses.
You see, credit card networks/associations like Visa or MasterCard require merchants to pay a service fee—that’s how they make money. The issue with AMEX is that the service fee they charge merchants is higher than Visa’s and MasterCard’s. The result is that fewer shops are willing to use AMEX.
That said, in places that do accept AMEX, you can’t find a better unlimited cashback card than UOB Absolute Cashback thanks to the 1.7% rebates.
5. UOB Absolute Cashback Card Benefits
The cashback benefits the UOB Absolute Cashback Card offers are pretty damn straightforward. There are no bonus cashback rates that you’ll have to memorise or contend with.
UOB Absolute Cashback Card Benefits | Cashback amount |
Base Cashback Rate | 1.7% |
Bonus Cashback | – |
Petrol Cashback | – |
6. UOB Absolute Cashback Card Terms and Conditions
Most unlimited cashback cards have certain exclusions that you cannot earn cashback on.
But according to the UOB Absolute Cashback Card’s terms and conditions, there are hardly any exclusions. That means you can earn cashback on almost anything except the following:
Grab mobile wallet top-ups
NETS or NETS-related transactions
Installment payment plans and SmartPay transactions
Cash advances
Fees and/or charges imposed by UOB (eg. late payment charges)
Personal loans, balance and/or fund transfers
Any transaction that is subsequently cancelled, voided, refunded or reversed
Amounts which have been rolled over from any preceding month’s statement
What about school fees, hospital bills, taxes and insurance premiums? Well for now, you can earn 1.7% cashback on them. But from 6 May 2024, these categories will only earn you 0.3% cashback instead.
Here’s the full list of merchant category codes affected:
7911 Schools, Dance Halls and Studios
8211 Schools, Elementary and Secondary
8220 Colleges, Universities, Professional Schools and Junior Colleges
8241 Schools, Correspondence
8244 Schools, Business and Secretarial
8249 Schools, Trade and Vocational
8299 Schools and Educational Services–Not Elsewhere Classified
9311 Tax Payment
9399 Government Services—not elsewhere classified
9402 Postal Services—Government Only
0742 Pet stores and Veterinary Services
5047 Medical Equipment and Supplies
5122 Drug Stores
5912 Drug Store and Pharmacies
5975 Medical Equipment, Hearing Aid
8011 Medical Services, Doctors
8021 Medical Services, Dentist and Orthodontist
8041 Medical Services, Chiropractors
8042 Medical Services, Optometrists and Ophthalmologist
8043 Medical Services, Opticians
8049 Medical Services, Chiropractors and Podiatrists
8062 Hospitals
8071 Medical Services, Dental Laboratories
8099 Medical and Health Services
4900 Utilities
8398 Organizations, Charitable and Social Service
6513 Real Estate Agents & Managers – Rentals
7261 Funeral Services and Crematories
7278 Shopping Services
7311 Advertising Services
7361 Employment Services and Agency
7392 Consulting and Public Relation Services
8999 Professional Services
7. How do I maximise my UOB Absolute Cashback Card?
The 1.7% cashback offered by the UOB Absolute Cashback Card is good, but it’s not as good as the rebates, rewards and air miles offered by some cards for specific spending categories like dining or shopping.
If you’ve got other cards that you prefer to use for certain types of spending, by all means use them. The UOB Absolute Cashback Card has no minimum spending requirement, so you can just keep it on hand for spending that you have no other card for.
Of course, if this is your only credit card, you can go ahead and use it to pay for any transaction that accepts AMEX. There is no cap on the cashback you can receive, so you can spend millions on it if you want!
Another tip is to use the UOB Absolute Cashback Card for big purchases like wedding dinners since there is no cashback cap. Other cards with a higher cashback rate on certain categories will earn you more cashback per dollar, but the UOB Absolute Cashback Card may earn you more in absolute terms because it doesn’t put a cap on the amount of cashback you can receive.
8. Other cashback cards better than UOB Absolute Cashback Card
If you’re new to the world of cashback cards, 1.7% cashback might sound good, but it’s actually quite miserly compared to the generous rebates being dangled by other cashback cards, which can offer up to 6% or 8%. Take the UOB EVOL Credit Card (8% cashback on online and mobile contactless spend) and Citi Cash Back Card (up to 8% cashback on groceries, petrol and private commute) for example:
MoneySmart Exclusive
AMAZING APRIL PROMOTION
UOB EVOL Credit Card
MoneySmart Exclusive:
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Sony PlayStation®5 (SLIM) Disc Edition (worth S$799) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
8% cashback on Online and Mobile Contactless spend
No annual fees when you make 3 transactions per month consecutively for 12 months before your card annual fee charge date
S$60 cashback cap (capped at S$20 per category: Online, Mobile Contactless and Other spend)
With min S$600 spend per statement month, otherwise base cashback of 0.3% will be awarded for all spend. Exclusions and T&Cs at uob.com.sg/evoltncs
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Citi Cash Back Card
MoneySmart Exclusive:
[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
8% cash back on petrol and private commute spend
6% cash back on dining and groceries spend
0.2% cash back on all other retail spend
20.88% savings at Esso and Shell
Up to S$1,000,000 coverage when you charge your travel tickets to the card
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
But the difference is that these cashback cards tend to come with minimum spending requirements, have cashback caps, and limit the cashback to certain spending categories like dining or groceries.
This makes it more complicated to know what to card to use when.
Here’s a cautionary tale: When I first started earning enough to qualify for credit cards, I signed up for 7 credit cards and created a spreadsheet of all the benefits and minimum spending requirements. At times, I’d find myself stuck at the cashier counter trying to pull up the spreadsheet on my phone so I’d know which card to use.
Within a year, the banks started to change the credit cards’ terms and conditions, and all my research went down the drain. So if you’re the kind of person who doesn’t like the hassle of tracking your expenses—or switching credit card strategies when the banks inevitably change their terms and conditions, earning 1.7% on everything seems like a perfectly reasonable trade-off.
MoneySmart Exclusive
AMAZING APRIL PROMOTION
UOB Absolute Cashback Card
MoneySmart Exclusive:
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Sony PlayStation®5 (SLIM) Disc Edition (worth S$799) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
PLUS enjoy 10% cashback (equivalent to S$100) on the first S$1,000 spend within thirty days and get S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
1.7% limitless cashback on everything, including groceries, insurance, school fees, wallet top-ups, healthcare, Utilities & Telco Bills and Rental
No minimum spend
No minimum spend
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
9. Should I get the UOB Absolute Cashback Card?
The UOB Absolute Cashback Card is a good credit card for most of us, no matter the spending habits.
Whether you want to use it for huge purchases or just as a back-up card for spending you have no other card for, it’s useful to have on hand.
UOB Absolute Cashback Card | |
Pros | Cons |
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10. UOB Absolute Cashback Card Promotions
Sign up for the UOB Absolute Cashback Card and you’ll stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart!
Plus, you could receive a $88 cash bonus via PayNow just for being timely and fast. All you need to do is be one of first 6 successful applicants who submit the claim form at 2pm or 9pm daily. Promotion valid till 14 Apr 2024.
UOB is also giving you goodies to sweeten the deal. You’ll also receive:
10% cashback (equivalent to $100) on your first $1,000 spend within 30 days
$350 Cash Credit from UOB
You need to spend a minimum of $1,000 per month for 2 consecutive months from the card approval date to be eligible for the gifts above. That’s quite a tall order. As such, you might want to sign up for the card just before making a big purchase. Promotion valid till 30 Apr 2024.
Alternatives to the UOB Absolute Cashback Card
Still shopping around for a cashback credit card? Here are UOB Absolute Cashback credit card’s main competitors that you can consider as well:
Citi Cashback+ MasterCard: 1.6% cashback on everything with no minimum spending requirement and no cashback cap. Generous welcome bonus.
Sponsored
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Citi Cash Back+ Mastercard®
MoneySmart Exclusive:
[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
1.6% cashback on your spend
No minimum spend required and no cap on cash back earned
Cash back earned does not expire
Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Standard Chartered Simply Cash Credit Card: 1.5% cashback on everything with no minimum spending requirement and no cashback cap.
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive:
Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
Flat 1.5% cashback rate for all eligible purchases
No cashback cap and no minimum spend
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program
1 year annual fee waiver, no minimum spend required
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
AMEX True Cashback Card: 1.5% cashback on everything with no minimum spending requirement and no cashback cap.
MoneySmart Exclusive
Unlimited Cashback | UPSIZED OFFER
American Express True Cashback Card
MoneySmart Exclusive:
[UPSIZED OFFER]
Get S$200 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply.
Valid until 21 Apr 2024
More Details
Key Features
Unlimited & Immediate Cashback - No min spend and no cap on how much you earn. Get your cashback in the same month's statement.
3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members.
1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
P.S. Here’s our MoneySmart credit card ranking rubric
In case you’re wondering, here’s how we decide on our credit card rankings.
Is that credit card MoneySmart? Our MoneySmart credit card ranking rubric | |
Category | Our rating |
Overall | The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we’ll give you a one-liner on who we think the credit card is best suited for. |
Earn rates: Air miles / Cashback / Rewards points | Air miles / Cashback / Rewards points . This category looks at the depth rather than breadth of earn rates. 
|
Earn categories | This category looks at the breadth rather than depth of your earnings.
|
Annual fees and charges |
|
Accessibility | Minimum income requirements:
Exclusivity: We dock 1-2 stars if there is/are another category/categories that make the card exclusive and very specific to a certain clientele. |
Extras/periphery rewards | These include:
We count the number of benefits and award between 0.5 to 2 stars for each, depending on how good the perk is. |
Sign-up bonus |
|
Don’t miss all our Singapore credit card reviews.
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