UOB Credit Card Promotion

Recently, UOB Bank has been very active in promoting its Credit Cards. You can easily notice UOB Credit Card booth in most of the shopping complexes. UOB has 3 attractive promotions for cardholders especially during the CNY season.

From 10th Jan until 30th Jan 2014, all UOBM Credit Cardholders (except Corporate, Purchasing and Private Label Cards) can enjoy 10% Cash Rebate at ALL hyper/supermarket or departmental stores nationwide with minimum spend of RM 250 in a single receipt. Each Cardmember is only entitled to a maximum of RM 50 Cash Rebate per Transaction Week. The maximum Cash Rebate payout is capped at RM 50000 per Transaction Week and will be awarded on a first come first served basis.

Transaction Weeks:

• Week 1: 10 Jan 2014 until 16 Jan 2014
• Week 2: 17 Jan 2014 until 23 Jan 2014
• Week 3: 24 Jan 2014 until 30 Jan 2014

Do you plan to have family reunion dinner outside? From 10th Jan until 15th February 2014, the first 1388 Cardmembers who meet the cumulative dining spend of RM 500 and above using a UOB Credit or Debit Card at any restaurant will be entitled to receive SMART$ at a rate of 5% on such spending.

The last promotion is exclusively for UOB One Card. From 1st February to 30th April 2014, UOB One Cardmembers can get 5% Rebate + 5% Smart Cash at BHPetrol stations. New petrol cap will be aslo effective from 1st February 2014 onwards. The maximum monthly Cash Rebate payout for the rebate category of petrol is RM 900000 which is to be given out on a first come first serve basis.

If you're not UOB Credit Cardmembers, you can sign up for UOB Cards online. From 1st January to 31st March 2014, new successful applicants will get RM 50 cash back with minimum 3 swipes within 60 days from card approval date.

OCBC Titanium Card Features Revision

OCBC had recently made an important announcement to revise its Credit Card features. The revision will be effective beginning from 29th November 2013.  There will be no more 5% rebate on dining, groceries, utility bills and petrol for OCBC Titanium Card.

Instead, OCBC Titanium Card holders can get 1% rebate on total retail spending with no limit. Besides, OCBC Titanium Card will be free for life and thus no more minimum 12 swipes per year requirement for annual fee waiver.

This is really a bad news to all OCBC Titanium Card holders especially those who just got approved. While continue getting 5% rebate until 28th November 2013, many of us will wonder which cards could be the replacement for OCBC Titanium Card?

My suggestion is to get Maybankard Dual, UOB One Card or Hong Leong Wise Credit Card depend on your spending pattern. Of course, we do hope that there will be another new card to be launched by other banks with similar features like the current OCBC Titanium Card.

Get Extra Rebate for Online Shopping

Online shopping is progressing steadily in Malaysia, especially those websites that sell vouchers for food and services. Do you often shop online to get vouchers, clothes or gadgets? If you do, you would notice that ipay88 and MOLpay are the most common payment gateway used by these websites.

In my previous post, I mentioned that ipay88 started to accept AMEX card but recently when I tried to use Maybankard 2 AMEX for the transaction, it always prompted a message, "This merchant does not support AMEX." What a disappointment! Anyway, don't worry, you still can get 5% discount through ipay88 and MOLpay (Groupon, Mydeal, Milkadeal, Jackcow) by using OCBC Titanium Card except Living Social & Groupon.

If you have AmBank CASA with AmOnline banking enable or AmBank Cards, you can get additional 6% instant discount in Jackcow portal.

There's a card from UOB, called UOB Vox which are tailored for the young generations. Vox card holders can enjoy 5% cash rebate on all online purchases up to RM 1000 every month except insurance, government utilities & bill payments only.

Besides, Vox card holders also can convert purchases of RM1,000 and above to a 6-month 0% Easy Payment Plan (EPP) with 1% upfront interest by calling UOB Card Center after purchase is made. Vox card holders are able to get cash rebates of up to 3% on retail purchases as well.

An example of a cash rebate payout:

	Customer A	Customer B	Customer C	Customer D
Previous Month's Statement Balance	RM1 - RM500	> RM500 - RM5,000	> RM5,000 - RM8,000	> RM8,000
Current Month Spend (for example)	RM1,000	RM1,000	RM1,000	RM1,000
Cash Rebate Rate	0.20%	0.35%	1%	3%
Cash Rebate Earned	RM2.00	RM3.50	RM10.00	RM30.00

Lastly, UOB Vox card holders also can enjoy SMART$ Rebate just like UOB One card. In my opinion, it is a great card to own if you are a fan of online shopping. The UOB Vox card is just like the e-version of UOB One card.

UOB CASA Promotion

UOB is giving out free limited edition water tumbler and RM50000 cash back, starting from 1st November to 31st December 2012.

This promotion is open to new customer, existing customer without Current and/or Savings Account (CASA) and existing customer without Personal Internet Banking (PIB).

The cash back promotion is open to UOB credit card customer without CASA. So if you're holding UOB One card, now it's the best time to open CASA account with UOB to grab the cash back (for first 500 new customers) and limited edition water tumbler.

BHPetrol eCard

I was a loyal customer of Shell petrol since I started driving. However, I've switched from Shell to BHPetrol since I tried a full tank of BHPetrol 2 months ago. I felt that my car became more powerful and had better acceleration with BHPetrol.

With my UOB One card, I'm able to enjoy 5% cash rebate and 2% smart cash. If you apply for the eCard, you can get 1 point for every RM you spend. So, in total, I get 7.8% rebate each time I pumped at BHPetrol with UOB One card and eCard. You can see the comparison of reward system for each petrol station here.

The eCard can be applied at the petrol station but you're not able to get it on the spot. The petrol station will send the application form to HQ to process. After 2~3 weeks, HQ will send out the card to your mailing address.