Anyone still keeping their UOB One card? Want to see how are you maximising it.
Credit Cards UOB Credit Cards v9, Ex citi read post 2
Credit Cards UOB Credit Cards v9, Ex citi read post 2
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Apr 3 2018, 06:07 PM
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#1
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Senior Member
7,106 posts Joined: Jan 2003 |
Anyone still keeping their UOB One card? Want to see how are you maximising it.
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Jun 8 2018, 11:03 PM
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#2
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Senior Member
7,106 posts Joined: Jan 2003 |
UOB just sent me the YOLO Platinum, I assume it's the same as the YOLO card right?
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Jun 9 2018, 12:10 AM
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#3
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7,106 posts Joined: Jan 2003 |
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Jun 9 2018, 12:10 PM
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#4
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7,106 posts Joined: Jan 2003 |
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Jun 9 2018, 12:26 PM
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#5
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QUOTE(David83 @ Jun 9 2018, 12:11 PM) QUOTE(fruitie @ Jun 9 2018, 12:19 PM) I don't have OneCard and these two cards have different benefits. I will not use OneCard due to its difficulty to waive AF. I barely use the One Card these days with my PBB VS. I actually cancelled the One card earlier but they countered with free AF for 2 years I think so I continued.Will proceed to cancel OC. |
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Jun 9 2018, 12:48 PM
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#6
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7,106 posts Joined: Jan 2003 |
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Jun 9 2018, 01:05 PM
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#7
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7,106 posts Joined: Jan 2003 |
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Dec 30 2018, 05:42 PM
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#8
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QUOTE(David83 @ Dec 19 2018, 01:29 PM) A big one here as well:2018 QUOTE 16. The following transactions shall not be included in the Total Number of Transactions: a) Balance Transfer; b) Cash Advance; c) Flexi-Credit Plans; d) Easi-Payment Plan purchases; e) Refunded, disputed, unauthorized or fraudulent retail transactions; f) Top-up transactions; g) Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, goods and services tax and any other form of service / miscellaneous fees using the Card; and h) Such other transactions as UOBM may determine from time to time. 2019 QUOTE 15. The following transactions shall not be included in the Total Number of Transactions: a) Balance Transfer; b) Cash Advance; c) Flexi-Credit Plans; d) Credit Shield; e) Easi-Payment Plan purchases; f) Refunded, disputed, unauthorized or fraudulent retail transactions; g) Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, goods and services tax and any other form of service / miscellaneous fees using the Card; and h) Such other transactions as UOBM may determine from time to time. I am not sure what both means. |
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Dec 30 2018, 05:57 PM
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#9
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QUOTE(lwc629 @ Dec 30 2018, 05:55 PM) Credit Shield means something like insurance to your cc outstanding balance, so you no need to pay in case anything unfortunate happens. I'm curious if top-up only applies to Mobile, or those BP / GrabPay / Boost is also considered top up thus now is eligible to be counted as an transaction. |
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Dec 31 2018, 12:35 PM
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#10
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Dec 31 2018, 12:41 PM
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#11
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Dec 31 2018, 12:44 PM
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#12
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Dec 31 2018, 12:48 PM
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#13
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7,106 posts Joined: Jan 2003 |
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Dec 16 2019, 06:29 PM
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#14
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Jun 4 2020, 05:59 PM
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#15
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Aug 3 2023, 04:06 PM
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#16
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QUOTE(fruitie @ Aug 2 2023, 01:41 AM) Is it still worth keeping EVOL? I haven’t been spending anything since YOLO revision. Luckily I had cash back credited earlier and it was used to offset the monthly fees. Unfortunately, I will need to pay this month if I’m still not using it. I use it for e-wallet top-up. Thats it. |
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Dec 14 2023, 03:14 PM
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#17
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7,106 posts Joined: Jan 2003 |
QUOTE(aurora97 @ Dec 12 2023, 04:42 PM) Need some input from fellow forummers... You should ask in the enrich miles thread instead.Got my card and here's the breakdown on usage: UOB Privi miles elite (Mastercard) - Based on promotion running - first card activated gets 3 year annual fee waiver. 3 years is a long time for annual fee, at most I lose on SST (totaling about RM 75). After that, I understand annual fee waiver can be requested and usually given. Okay, can. Usage: overseas spend, book air ticket, lounge access (very limited compared to MBB VI) Other usage: insurance, petrol, utility, transportation, payment of taxes, FPX (x1 UNIRM) UOB World Based on promotion running - 2nd card activated gets 1 year annual fee waiver. Subsequent year, must spend RM48K to be entitled for annual fee waiver. If meet 125K (UNIRM) - should not be a problem to meet. Usage: overseas, eommerce/ ewallet reload (limited) & grocery Exclusion: Petrol, Transportation, Utility, Jompay, Payment of taxes or payment to government (you don't get UNIRM) Initial strategy Collect points using UOB World, and use Privi mile elite to convert to enrich. 9K UNIRM to 1K enrich/AsiaMile/SIA. Gap Dinning, ecommercie (Lazada/shoppee), ewallet (sigh... capped at RM 300), need a VISA card to capture VISA promotions. Btw, the solutions are tailored based on my needs, full terms and conditions, please read the respective banks T&C. 1st Solution: UOB VI Reason: keeping all the points together and collect for dinning x5 multiplier. Other perks are bonus. Problem: need to manage annual fee between UOB world, PrivElite (3 years later) and VI. Usage: aside from dinning spend (got multiplier if RM1K above), not much other usage. Exclusions: Petrol, Transportation, Jompay, top up/reload 2nd Solution: MBB VI /Ikwan VI Reason: covers dinning, well lounge access (not like UOB VI limited to Asia Pac) and x2 points except for utility, petrol, education, Ezpay and insurance, which is x1. 7000 TP - 1K enrich/Asiamiles/SIA Downside: 1st year annul fee waived and subsequent year must spend RM 80K for waiver. Split my spending and point collection. 3rd solution: Alliance VI (winner) Reason: Annual Fee Waiver for 1st year and RM 12K spend (FTW? ) Usage: eCommerce, eWallet (cap RM3K),grocery and dinning. Exclusions: Petrol, Gov services, From the looks of the above, the 3rd solution is the best but does anyone has any idea which other card or solution would be the best to cover the gaps? Currently, also holding M2P and Wise. (will phase all this out) |
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Jan 11 2024, 05:00 PM
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#18
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Jan 11 2024, 05:12 PM
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#19
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Sep 10 2024, 11:34 PM
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#20
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Not sure why, but I got like 4 Foreign Spend RM150 CB lol
Happy. |
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