Even though I have had a terrible first experience with uberPOOL, it has improved ever since then and my trips seem to take only 10 minutes extra on average (which to me is very reasonable). Uber Singapore has just announced that uberX rides are now fixed rates so essentially what you see is what you pay - well the banks still charge a cross border fee of 0.8% (which is not controlled by Uber) so you still need to slap on that 0.8% fee to get what is being charged on your credit card statement.
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1. EVERYTHING is Included
Unlike GrabCar rides, the new fixed rates will even integrate the ERP charges into the final sum (oh the power of predictive data!) so there's no need to walk away feeling like you have been cheated (I know that feeling of having a S$7 ERP charge levied on top of a base rate in the morning).
2. Cross Border Fees still Apply!
Unfortunately even Citibank and DBS has jumped on the wagon of charging cross border fees - this is essentially a fee that banks charge for transactions processed by a payment gateway that is outside of Singapore in SGD. So if you get charged S$12 on an uberX ride, be prepared to see S$12.10 (due to a 0.8% cross border fee levied by your bank) on your credit card statement.
3. Get Cash Back of S$0.30 with ShopBack
While S$0.30 cash back is incredibly pathetic but if you do have a ShopBack account (and of course you should), forwarding an email at the end of a trip of S$0.30 (it takes just 2 seconds!) is really not a bad deal. If like me you take a trip once a day on average, this is S$9 a month that you can put towards buy yourself two cups of coffee - besides, free money!
The American Express Chillax Program needs no introduction - Platinum (including credit card) members get to enjoy 1-for-1 drinks at some of the best bars and restaurants in Singapore. Just to be clear, this benefit is extended to holders of The Centurion Card, The Platinum Card, The American Express Platinum Reserve Credit Card and The American Express Platinum Credit Card issued in Singapore. Today, Amrith by The Song of India has joined the ranks of the other merchants to offer a similar benefit.
Gone are the days in Singapore where your savings accounts only attract a 0.05% p.a. interest rate. While I have always advocated the use of OCBC 360 for a young working adult, the newly-enhanced DBS Multiplier Account looks comparatively attractive now that I have greater expenses and commitments. The bonus interests applicable to the DBS Multiplier Account is capped at S$100,000 (S$30,000 more than the OCBC 360) but more importantly, it rewards you based on the total value of eligible transactions each month.
OCBC has just unveiled a brand new payment facility for OCBC VOYAGE Card Members - you will now be able to apply for the facility (which allows you to pay for anything that requires a bank account deposit instead of credit card payment) and earn 1 VOYAGE Miles per S$1. Now the only catch is this - you will have to pay a 1.90% or 1.95% admin fee depending on whether your transaction amount is S$150,100 and above or between S$10,000 - S$150,000.
Let's face it - Starbucks serves terrible coffee (especially when you are a black coffee drinker) but it does offer convenience and occasionally a nice environment to sit in (sans students studying and taking up the entire real estate). You should already know that the Citi Rebate benefit has been discontinued yesterday (25 April 2019) and you have only until 03 May 2019 to utilise any outstanding balance.
Singapore Airlines and Qatar Airways are now participating airlines in the American Express International Airline Programme and when I compared the IAP to public rates a couple of days ago, Business Class tickets on Singapore Airlines were 28% cheaper (but on average they are approximately 10-15% lower which is still an amazing deal!).
The Platinum Card from American Express offers plenty of benefits and with the recent inclusion of Singapore Airlines in the International Airline Programme (IAP), this card has gotten a lot more useful for me since I can now book Business Class flights at a significant discount (and still earn miles/PPS Value from them)! If you have been on the fence about this charge card, check out my previous article on how I actually rationalised paying for the S$1,712 annual fee.
The new KrisFlyer UOB Credit Card looks great but the only caveat is this - all the 'Accelerated Miles' will only post AFTER your card's membership year. This means to say that you will only expect to see your bonus miles next year!
When I wrote about the changes to the International Airline Programme for American Express Platinum Members earlier today, I did not expect the savings to be drastic. If you have not seen that article, Singapore Airlines and Qatar Airways have essentially joined the IAP and American Express Centurion as well as Platinum Members now have access to discounted Business Class and First Class fares (that is not publicly available).
One of the perks of the American Express Platinum Card that do not get talked about very often is the International Airline Program (IAP). When I rationalised paying the S$1,712 annual fee for The Platinum Card late last year, I noticed that the Business Flex rate for an Emirates flight costed approximately 11.5% lower than the publicly available rate. Today, a number of changes to the IAP have been implemented for The Platinum Card by American Express.
American Express Platinum Members in Singapore can now book Fine Hotels & Resorts rates online - get instant confirmation on luxury properties!