mmm 1) so if u can spend $800 consistently + UOB one - should u still use UOB EVOL? vs the maybank card u recommend? 2) If u can spend $1000/$2000 consistently then UOB one card is better?
@animacroix
3 ай бұрын
Would like to know if this calculation works: $30 cashback is max for online + mobile contactless, the max spending eligible for this category is $300. For the remaining $500, I use the card to tap and pay physically, it will all be eligible for 0.3% cashback, giving max $1.50. So adding $30 and $1.50 is $31.50, and divided by $800 is ~3.94% cashback instead of 3.75%. Would u agree with this calculation? Not trying to make a case for Evol but just wanting to confirm if the calculation is right also.
@chengyu83
3 ай бұрын
Looks correct. Previously was $40/600 = 6.67% or $40.30/600 = 6.72%.
@techfactsglobal2571
3 ай бұрын
Hey Kelvin, which card among these provide free airport longue access? or any other card you suggest?
@ralphou
3 ай бұрын
so those additional cashbk eg by Cold Storage, Shopee, SP services, using the UOB one card is not counted as the mthly min. S$500?
@IamNinjaOfNinja
3 ай бұрын
Kelvin can u make a video for Trustbank saving account?
@Simplejunk92
3 ай бұрын
If I spend 1k a month, and most of my spending are on dining. I spend the first 500(exclude dining) using UOB one, remaining 500 with UOB ladies card (on dining).
@KelvinLearnsInvesting
3 ай бұрын
Just curious, why split up to 2 cards? Wont it make it harder to earn enough miles?
@Simplejunk92
3 ай бұрын
@@KelvinLearnsInvesting my thinking is to earn bonus miles on dining. Den the rest to hit the 500 spend for bank interest plus the quarter cashback . The cashback for uob one like grab shopee are good. Den if say i am booking flights hotel or anything in klook , I think uob one card isn’t great. I switch the ladies card category to travel. The miles part for myself is not smth im chasing. It is just that I feel spending more than 500 on uob one doesn’t reward well. U think it makes sense?
@Simplejunk92
3 ай бұрын
@@KelvinLearnsInvesting I plan the earn bonus miles after hitting 500 spending on UOB one to get the bank interest and quarter cashback. UOB one cash back on shopee grab are good. The miles part for myself is not something im chasing. I think spending more than 500 on uob one card doesnt reward well. With selected category on Ladies card, I can adjust how I want to spend. Example if I am travelling soon, I can switch to travel category and spend using ladies card.
@Simplejunk92
3 ай бұрын
@@KelvinLearnsInvesting i think spending more than 500 on uob one doesn’t reward well enough. So selectively I choose to use ladies card to spend on my chosen category.
@KelvinLearnsInvesting
3 ай бұрын
Hm, cos the uob lady points expire in 2 years. If don’t earn enough to redeem flight, the points will be wasted
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