A dollar saved is a dollar earned. As I continue to pursue my interest in S-REIT Investment through s-reitinvestmentblog.sg, I am also increasing aware of the amount of money which I will save through these credit cards.

Therefore, the purpose of this blog is to consolidate all these credit card offers or rebates which we will be using everyday. I hope that this blog can be a one-stop blog on credit card rebates so that you can use and save money.

Moreover, I am going to post all the major discounts and perks that I currently enjoy for only one purpose. When I need to find data, I know where to look for it all at one place. :-)

Monday, May 15, 2017

Review of my Credit Card Savings

Hi everyone, here is an update on how I use my credit cards to save money. Here it is.

From Citibank CashBack Card (Dividend Card)

Groceries - $6000 yearly purchase => $300 rebate ($25 x 12 months)
Esso Petrol - $2400 purchase => $192 rebate (8% Cash rebate)
Singtel - $2400 purchase => $6 rebate (0.25% Cash rebate, more to topup the $888 minimum)
Weekend Dining - $1200 purchase => $96 rebate (8% Cash rebate)

From Singpost Standard Chartered Card 

Insurances - $1400 yearly purchase => $88 rebate (7% Cash rebate)
Online Purchase - $2000 purchase => $140 rebate (7% Cash rebate)
Travel (Online) Purchase - $3000 purchase => $210 rebate (7% Cash rebate)

From DBS Visa Debit Card (Paywave or Samsung Pay)
Provided that you don't make 3 withdrawal from ATM every month

Department Store - $1200 yearly purchase => $60 rebate (5% Cash rebate)
Other Purchase - $2400 purchase => $120 rebate (5% Cash rebate)

From POSB Everyday Card 

SP Services - $1400 yearly purchase => $14 rebate (1% Cash rebate)

Total Savings = $1646 per year

Thursday, July 21, 2016

Get $10 Off + Extra cash rebates when you buy online on Qoo10, Taobao, Lazada through Shopback.

Hi everyone,

Just to share if you are still unaware. If you want to buy stuffs at Qoo10, Lazada and other online shops, you can buy through Shopback.sg which gives extra cash back for your purchases. You can sign up through this link here. https://www.shopback.sg/?raf=cZefDy

A dollar saved is a dollar earned. Every dollar counts towards our overall investment return so enjoy your savings and returns.

Monday, January 11, 2016

Reviewing my Credit Card Cash Rebates - Part Two (Singpost Standard Chartered Bank Card)

Hi everyone,

After looking at Citibank Dividend Card, let's take a look at others which helps to generate cash rebates and thus saves some money. Here is another one, Singpost Standard Chartered Bank Card which gives 7% Cash rebate on Online purchases with a minimum of $600 purchase.

HDB Parking (Online Purchase)
=> $1,140 per year (Must buy on a per 9 months basis to maximize the cash rebates.)
=> $79.85 cash rebates
=> $6.65 cash rebate per month

Car Insurance (Online Purchase)
=> $1,000 per year
=> $60 cash rebate
=> Average of $5 cash rebate per month

Personal Insurance (Online Purchase)
=> $200 per year (Need to choose the right month to buy)
=> $14 cash rebate
=> Average $1.20 cash rebate per month.

=> $2,340 per year
=> $155 cash rebate per year
=> $13 per month

Monday, January 4, 2016

Reviewing my Credit Card Savings - Part One (Citibank Dividend Card)

Hi everyone,

It has been a while since I made my last post on Citibank Dividend Card which is now my main card, taking most of my purchases to chalk up the $888 minimum every month. I am glad that I am able to do it at this point.

How do I do it? Well, here is my expenses and savings.

Supermarket Groceries
=> $250 per month in NTUC, $250 per month in Giant
=> $40 cash rebates

=> $150 per month
=> $12 cash rebates

=> $200 per month
=> $16 cash rebates

Others (Singtel & S&CC)
=> About $220 per month
=> $0.55 cash rebate (miserly)

=> $1,070 per month
=> $68 cash rebate

What do you think? :-)

Wednesday, December 30, 2015

Other Saving Methods... iHerbs for health supplements...

Hi everyone,

Apart from savings from credit cards, I will also share about more savings which I have accumulated through online shopping here. Therefore, whatever I felt that it is cheap and value for money and I actually bought it, I will post it here.

First is iHerbs (http://www.iherb.com?rcode=RVZ522). Usually I buy Sambucol for Kids and I buy in bulk to accumulate extra savings and save delivery cost. Sambucol for kids are already difficult to find in retail stores and here, it is cheaper than retail stores. Another is probiotics for children which I am currently trying it out. Here is the shopping cart which I have compiled.


If you use my link to buy your stuffs, you can save $5 on your orders. Buy above $60 and you get 10% off and use Singpost Standard Chartered Bank card and you get extra 7% cash rebate. Just sharing the good news with all of you. Enjoy.

Monday, December 28, 2015

CIMB Visa Signature Card and Platinum MasterCard - Changing their Rebate Programme

Hi everyone,

CIMB Visa Signature and Platinum MasterCard are changing the way they give rebates to encourage more usage of their cards. Here are the changes.

CIMB Platinum MasterCard
- No more rebates for Home Furnishing and Insurance
- 10% Cash rebate for Travel and Health & Wellness provided...
--> $60 rebate cap
--> Swipe at least 8 transactions of $30 minimum each
--> Overall $500 minimum spend.

CIMB Visa Signature Card
- No more rebates for Visa PayWave in foreign currencies
- 10% Cash rebate for Wine & Dine and Online Transaction in Foreign Currencies provided...
--> $60 rebate cap
--> Swipe at least 8 transactions of $30 minimum each
--> Overall $500 minimum spend.

To me, there is no more usage on CIMB Platinum MasterCard. For Visa Signature Card, the restriction of swiping at least 8 transactions of $30 minimum each is too much for me.

Thus, I won't be using CIMB Cards anymore.