hi all, the uob card promoter offer 5 yrs af waived if (must) take 2 cards, with bt for new member at 0% for 6 mths or 1% for 12 mths. however i cant find all this information on the uob website, is it common bank not to disclose all their marketing benefit and condition, instead just let the promoter do the talking?

i apply yolo n one believing the cb is quite attractive, with af fee waived for 5 years. however after i do more reading, i then realize yolo is on first come basis, which mean no guarantee? if that the case, i think it render the card quite useless for me since we might have better choice. should have do more research before apply, but it really take time.

hope there is 0% bt for new user.

uob allow new user 0% bt 6 months or 1% bt 12 months, both are pretty attractive.

mean u do more than 8 or 16 reload into laz wallet at earlier of month? how much in total sum? n u are quite sure u can spend all fund in yr laz wallet? need yr guidance as I still don't really understand how this cash wallet mechanism could help us save more.

"Can choose to deduct from wallet if primary payment method is wallet which I always do.
For this UOB promo, looks like primary payment method must be UOB card and not wallet."


whats the diff? is there an option to make uob card a primary payment method? i top up 200 so mean no cb at all? opps!


i think i shd continue to use mbb/hsbc that is less complicated, treat others as my final option.

This post has been edited by YH1234: May 4 2019, 05:25 PM

anyone can confirm if the grab top up entitle the rm20 cb? i called the cs n he said base on his reading and understanding, the cb is on top up not usage.

my utility total up is less than 300, or slightly more, i think 625 is enormous. from another angle, perhaps we should save more on utility to save the rm50?

generally speaking, i notice there is vast diff among bank treatment towards rebate on sst. some bank is rigid, but stick to what they committed, one don't have to call or chase or raise query, for eg mbb n cimb. cimb gave the rebate in the same month after 3 transactions, no need call or pursue further.

some bank are much flexible, we never know if what told by their marketing is correct or truth because the cs have no idea what was committed, and no idea what sort of promotion they do, the most obvious one is singapore bank such as uob. one have to call to get thing done, and most of the time, they don't give direct and frank reply but in the end, one still get what he wants if he persistently pushing and negotiate. the cs told me i must call and make a request in order to get the rebate even though their marketing did make a commitment.

is this a cultural thing?

btw, i will give msia fm a minus point for implementing sst, go tax the superrich, idiot.

haha, so nothing is new in new msia.

thanks for the good education, perhaps I shdnt use the term cultural, what i am trying to imply is that some banks make it a practice not require too much assessment and decision making in their process, while some is always case by case, and depend on how we consumer/user challenge and argue our case.

i hv no idea how yr para 1-3 have anything to do with i wrote, or even the 4th one.

mbb n cimb stick to their tnc on new card user, no need to call or beg. if one disagree, one can always stop using their product.

uob hv no clear tnc, it depend on what their marketing offer, thus even after the marketing told u swipe 3 times to get the rm25 rebate, the bank wont do anything unless one call them and make a request, if no call is made, then they just buat tak tahu and no rebate given even after 3 swipes, cybpsych said all we can do is ask is to me a relevant reply. that said, i still think uob approach is developed out of a kiasu mentality, sort of cultural thingy.

mean 4 cards? wow....they agree to give rebate on sst as well?

i realised mpsj assessment no jompay. seem only option left is perhaps jop.

very slow. do they hv a cordial working relationship with bank? my experience seem to suggest otherwise. that's said, perhaps i am not the lucky one. i still think those agent work at booth seem more aggressive n efficient, problem is there are always bad apple around.

mean can confirm if top up grab will get cashback? just curious whats the rm50?

i think since mbb stop cb for bp n boost, this render my uob one quite useless, my cb cant even cover sst. i dont have enough spending to make full use of mbb cb. i might cancel it even though no af for 5 years.

use boost have otp? if have mean doing 15 times we will receive 15 otp?

i top up grab rm100 on 8 sep n was rebated 0.20c, it seem the 65k used up within second wéek, quite fast.

apr transaction cb out jun right?

odd isnt it!