As long as tagged as 'dining' like Kopitiam, it will be counted towards the spend.



Most cards allow you to waive annual fee. Only cards that I encountered refuse to waive are AMEX (Platinum), Infinite (except CIMB which is free annual) and perhaps OCBC (Best Denki). The rest are willing to waive once you threaten to cancel. Some cards, like Premier Miles, are willing to wave but they will claw back the free miles provided when you pay annual fee.

Speaking of 'Kopitiam' hawker center, download NTUC Fairprice, and add your card in. Using the NTUC Fairprice App for payment gives you 10% discount. Wish I knew this earlier.

malz89 is referring to old ruling. no longer valid after Apr 2024

I rmb back then only east Malaysian can, not west Malaysian. They changed the rules ah? Haha

Resale is sky high now .. unless 2 years the market can cooldown .. I still have to rent for another 4 years only can get mine .. so I have to fork out another 100k+ more before getting a home

Bro apply from singsaver or moneysmart to see which welcome gift u prefer. and their welcome gift is awesome.

So far i have 2 switch from citibank (me and my wife)
Ipad9 - OCBC
700 shopee voucher - SC
dyson dry&wet vacuum and dyson hairdyer - hsbc
500 capitaland voucher - posb


after a year i plan to cancel them and reapply to get for a welcome gift next year after 12month cooling off period.


i see, no wonder cause i heard my ex colleague says she got a full withdrawal from a chq.

Ah ok .. need to think liao .. but UOB also giving me extra interest from card spending. 3 categories, not sure should I go for trust or not .. haha .. thanks

I'm assuming kopitiam is referring to all food courts and hawkers? Also, the Trust Link card you are referring to is this right: Link

10% sounds amazing to be honest, but does it have to be the combo of the Trust Link card and Fairprice app? Or another credit card will do the same?

My monthly spending excluding rent may be below 500 SGD. My case probably better to get those other cashback cards that will come with free gifts during sign up I think?

Oh Grabpay and Paylah not widely used? Then I suppose its more common for PayNow using banking apps?

The other you mention Paywave is through CC wave or Google/Apple/Samsung Pay then.

Shopback I have not used in ages man, it is still around haha?

Yes, this seems to be an amazing tip being shared here.

I should look at Singsaver and Moneysmart for ideas as well, those gifts are worth quite a bit. Wouldn't you get flagged if you cancel often and reapply just to get gifts?

No need susah susah la.
Go for Uob One Account. Let your payroll know, you want uob for salary. You can check out their tiered interest on the website. With salary credited, just spend 500 monthly to unlock (the other is 3 giro payment). You just need to fulfill 2/3.

The one card is your atm, visa and paywave, nets flash able.

Before the latest adjustment, with 150k, spend 500 you unlock 500 per month, you see that in your account by the 3rd monthly. Now you get 400++

This post has been edited by jojolicia: Jul 30 2025, 07:39 AM

Yes, I am referring to that card. KOPITIAM is a brand of hawker foodcourt owned by NTUC (Fairprice). Since TRUST or LINK card is a collab between NTUC and SCB, you enjoy 10% off when you pay using FairPrice App and link your TRUST or LINK card.


Sales folks more than happy to sign you up. Just ensure you keep track of when you cancelled as there's a ~12 month cooling period to be eligible to be reclassified as new sign up to enjoy welcome gifts. Due to this, I started cancelling my dormant credit cards.


This is good advise. Apart from UOB, OCBC and DBS also have such facilities which they term as 'Workplace banking'. So if you [1] credit your salary, [2] spend on credit cards, [3] do investment and [4] buy insurance, you increase/multiply your account interest - e.g. DBS Multiplier. https://www.dbs.com.sg/personal/deposits/ba...earn/multiplier

I think TS needs to start with either DBS/POSB first before opening up either UOB or OCBC. If I'm not mistaken back then they didn't allow first timer to open with them without a bank account in sg.

Anyway TS you're too soon to consider a CC .. you need to work at least 6 months prior to apply iinm. Can also apply PR by then lol

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This post has been edited by Medufsaid: Jul 30 2025, 11:49 AM

One Account is a normal account. For payroll purpose, sure can

Oh but I rmb I took quite some effort for my ocbc back then. I needed to open up a DBS first

Old days, they point you to posb. Hahaha
Now, so long your payroll ok, you can open at any. If you renting HDB, just ask owner update, print out the registered tenants listing. Good to go

Still dbs, uob, ocbc the common ones.

This post has been edited by jojolicia: Jul 30 2025, 12:51 PM

yeah paynow is accepted almost everywhere, but i still prefer paywave because of the samsung point and credit card rebate / point.

and when u reapply they wont be flag u la, they are happy to get a new customer cause u need to spend 500sgd in the first 30days to get the free gift.

Oh .. dam .. revealing how long have I been stucked here .. contributing to the economy haha

Nah, economy in good hands.
You contribute 3 true-blue babies, ai sai liow 🤣🤣🤣🤣

This post has been edited by jojolicia: Jul 30 2025, 03:20 PM

Already gave 1 .. 2 more hard to afford and no house yet .. renting alone is a pain already. At least the subsidies that we are receiving not too bad la .. haha

Just pace out (time) nicely. Gov manyak supportive

Another would seal the job ba .. hitting 3 abit too much haha. But looking at my surroundings most of them either single or DINK, get to travel quarterly dam syiok. And I get tied down by a kid .. it is pretty apparent that sgreans don't want kid especially those with better education, they appreciate freedom over being tied down. I think living in a small city gets you there .. maybe my kids may turn that way too haha