My Single Credit Card Strategy for Cashback in 2023

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E-COMMERCE & SHOPPING

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Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR

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2022 had been a great year for credit card stacking.

If you remembered my stacking hack of AMEX, Grabpay, JiPay, Ez-link wallet. But all is gone one by one

One door closes, another will open. Lets look at what is the existing strategy for Cashback users

Citi Rewards with Amaze

- Convert all physical spend to online spend for 10x points EXCLUDING Travel & hotel merchants

- Minimize foreign currency fees to 1.5%, coupled with 1% cashback

- 10x points per $1 for first $1000 eligible spend

- But if redeem for vouchers, more value

- e.g. $50 Mapletree Vivocity voucher = 14262 pts

- Effective Cashback = 50/1426 = 3.5%

HSBC Card Strategy

Revolution VISA

- Other than 10x points or 4 miles per $1 spend

- Can also be redeemed for 2.5% cashback for first $1000 eligible spend

- For more than $2000 spend, can consider HSBC Advance

- +1% for HSBC Everyday+ Rewards with Everyday Global Account, bump up to 3.5% cashback

UOB Credit Card for UOB One

- $500 to hit qualified spend criteria for up to 5% p.a. interest for UOB One account

- EVOL, min $600 spend for effective 6.67% cashback on Online & Mobile Contactless spend

- ONE, min $500 spend for effective 3.33% + 5% additional cashback

- Same theory for OCBC Credit Card for OCBC 360

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