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Credit Cards UOB Credit Cards, Revamp One Card - It's A Pure Cash Back

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ronnie
post Oct 3 2012, 09:58 PM

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QUOTE(jtcs87 @ Oct 3 2012, 05:07 PM)
Hi, may i know the cash rebates calculation is always perform at end of the month and restart on 1st of every month like Amex?
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For UOB One Card, the rebate is calculated on Statement Date
ronnie
post Oct 29 2012, 12:42 PM

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QUOTE(waeguk @ Oct 29 2012, 12:28 PM)
Anyone tried applying for these cards, by just giving them existing credit cards, without providing salary/tax forms?

I don't like the hassle of giving all photocopies/fax etc. and since I have 3 cr cards already from other banks, hoping can shortcut.
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You were late 10 months.... 10 months ago bank just need photocopy of existing CC (>1 year)
ronnie
post Nov 4 2012, 10:21 AM

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user posted image

T&C : http://www1.uob.com.my/assets/pdf/tnc/RM50...ashBack_tnc.pdf
FAQ : http://www1.uob.com.my/assets/pdf/promotio...ashBack_FAQ.pdf
ronnie
post Nov 28 2012, 09:59 AM

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I received CAMPAIGN CASH CRT RM50 under my UOB One Card Unbilled transaction rclxms.gif rclxms.gif

Don't know what's this for... maybe referral fee
ronnie
post Nov 28 2012, 03:34 PM

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QUOTE(0hmyg0d @ Nov 28 2012, 03:21 PM)
Hi Ronnie, could you please advise on which card to use in China, as I have OCBC tit., UOB preferred plat, and citibank cashback.
I will be travelling on this weekends.. thanks
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Go read up this thread : http://forum.lowyat.net/topic/1845691
ronnie
post Dec 17 2012, 07:22 AM

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QUOTE(ivanting89 @ Dec 17 2012, 04:33 AM)
ohh then, so must go to branches office to open a accounts and i able to pay credit card bill from ibanking via saving accounts right?

btw, any other way to pay for UOB credit card bills?
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You can InterBank Giro (IBG) from other banks via MEPS network.
Other options include cheque, cash deposit into UOB.
ronnie
post Dec 21 2012, 10:26 AM

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QUOTE(mar90 @ Dec 20 2012, 09:31 PM)
UOB One Classic can get 2% smartcash rebate at BHP on top of 5% rebate for petrol. that is correct?
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True.
ronnie
post Dec 23 2012, 01:17 AM

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QUOTE(fkinmeng @ Dec 23 2012, 01:07 AM)
is the one card platinum visa or mastercard, or both?
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VISA only...
ronnie
post Dec 24 2012, 01:19 PM

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QUOTE(nightwalkertzs @ Dec 24 2012, 01:12 PM)
Hi i am freshie here..this is my 2nd time to get the bill. Just wondering, i read the details and get the total is not same as what i count for myself.

Then i read the note there: "the total does not autmatically offset the total payable amount""

Is there mean let's say my 1st month bill is RM300, 2nd month is rm400.

It will show my total pay due is rm700 instead of rm400 at second bill?Although i paid the 1st bill RM300 already? really need guide...this is my 1st credit card..thousand thanks!!
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Did you not pay RM300 before the Due Date ? If the system didn't capture before or on Due Date, the amount will be brought forward to next statement.
ronnie
post Dec 24 2012, 11:23 PM

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QUOTE(nightwalkertzs @ Dec 24 2012, 01:39 PM)
Ya i did pay already and the statement there state that RM300CR and then total there RM700...

so that why i am wondering. Why the total due still state RM700...because i use calculator and count after deduct All CR (cash rebate and RM300CR last month)..this month i should only pay rm400...why the total still state rm700...is this normal?
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Was the RM300CR posted on what date ?
Is this date before or after the previous Statement's Due Date ?
You can just pay RM400 or call UOB CS to ask how much is the actual due....

IMHO, CC Statement is "designed" to mislead those who just look at 2 things
1. Minimum Due Amount
2. Total Due Amount

If you pay Minimum Due Amount, the bank will charge interest --> More Revenue
If you pay Total Due Amount, the bank will get more money (if you had settle previous amount) --> More Revenue
ronnie
post Jan 3 2013, 10:09 AM

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QUOTE(titanic_crash @ Jan 3 2013, 09:47 AM)
got the offer from UOB i.e rm100 cash rebate and 0% BT for 6 months...the rebate will be credited after 3 months from the first usage...still considering the offer...what do you think guys?
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Good offer... ensure the BT program creates a NEW account number.
UOB BT must be paid finish on the expiry date (not 1 day earlier or 1 day late)
ronnie
post Jan 10 2013, 10:31 PM

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QUOTE(nothingz @ Jan 10 2013, 09:59 PM)
seriously, those shops that offer you 0% instalment plan are still making money because they charge you retail price where as you actually can buy the phone at a cheaper rate at LYN garage sales section.  the price difference can be of RM100 to RM300.

simple example, you can use Citibank card to buy a S3 at Senheng/SenQ with RM52.75 * 36 instalments = RM1,899, whereas you can buy from garage sales at RM16xx cash.  the difference of RM2xx can be described as the interest for the instalment plan
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You do have a unique way at looking at 0% Installment
ronnie
post Jan 10 2013, 10:45 PM

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I rather keep cash in bank and slowly pay back to the bank.... since phone depreciates the moment you unboxed it.
ronnie
post Jan 15 2013, 11:36 PM

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QUOTE(HaoYuan @ Jan 15 2013, 11:32 PM)
Actually not much benefits i can see for UOB one card because OCBC titanium and Maybank2card is a better choice
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For me, UOB ONE Card is for Petrol swipes only...
ronnie
post Jan 16 2013, 07:44 AM

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QUOTE(HaoYuan @ Jan 16 2013, 07:34 AM)
But for petrol others card comes with same 5% benefit as well
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True, but those has been maxed out monthly on other categories as well....
ronnie
post Jan 16 2013, 09:57 AM

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QUOTE(arthur88 @ Jan 16 2013, 08:50 AM)
UOB no cap at fuel? hmm...must have miss out this benefits...

just checked...cap at Rm600 rebate...OCBC cap all rebate in Rm50...but depends on requirement, suitable for those travel alot...
me...always ride bike to work if no rain...
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You mis-understood me... UOB One Card has Petrol 5% rebate capped (up to RM600 of Fuel Purchases per statement month)
MY other 2 Cash-back cards are usually maxed out... so I move petrol usages to UOB One Card.
ronnie
post Jan 16 2013, 03:34 PM

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QUOTE(mar90 @ Jan 16 2013, 03:26 PM)
last time i pump petrol at bhpetrol by swiping the cc at the pump. got no smarts cash awarded. today i pump at bhpetrol also but the pump dont have cc machine. so i go inside and pay. this time the resit showed me smarts rebate awarded. so does this mean have to pay at cashier only can get smarts rebate?
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Did you check your monthly CC statement for your SmartCa$h balance for previous transactions ?
ronnie
post Jan 16 2013, 03:45 PM

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QUOTE(mar90 @ Jan 16 2013, 03:36 PM)
i just got this card. n also only swipe twice  biggrin.gif .the latest resit showed smarts rebate awarded and balance as the same so previous purchase got no smarts rebate la. true?
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The swipes at BHP Pump doesn't show SmartCa$h if I remember correctly.
ronnie
post Jan 18 2013, 10:07 AM

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QUOTE(mango27 @ Jan 18 2013, 03:49 AM)
i swipe my uob at BHP pumps all the time... eventho receipt doesnt show smartcash, the monthly statement sent does shows...

btw, i received a call from UOB few days ago... saying theres this insurance thingy from Prudential for UOB cc... something like RM0.65 monthly and if no balance no need to pay the premium...

anyone taking it? should i take it? my credit limit is 8k only and i have no balance every month one... so to me take or not doesnt make much difference...
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Somethin like Citibank's Credit Shield.... I would normally skip it.
ronnie
post Jan 22 2013, 11:21 AM

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QUOTE(arthur88 @ Jan 22 2013, 10:44 AM)
what is the default statement cycle for ONE card?

for example, OCBC Titanium default statement cycle is 11th of every month...
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You can request to change the Statement Date via a call to CS

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