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2021 Credit Cards

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  1. #191

    Join Date
    Nov 2005
    Location
    Cramped island
    Posts
    4,906
    Quote Originally Posted by zechi:
    1.5% for SCB simply cash according to this site.

    I only checked the list of AAVS-rebatable cards so may not be the best one
    Not that sure if that works.. clause (a) is very encompassing.
    Anyway looking at the comments below, Payme is limited to 1k/month (in contrast with HSBC CC that gives 0.4% for up to 3k per month). So maybe a combi of both SCB Easy Cash and HSBC CC is idea if you spend more than 1k per month from payme.

    Eligible Transactions means retail transactions (including online
    transactions and interest-free monthly instalment) and Octopus
    Automatic Add-Value transactions made with the Card but does
    NOT include the following:
    a. any transfer/top up transaction from the Card account to
    any account as designated by the Bank from time to time,
    including but not limited to, Octopus O! ePay, Alipay
    account, transactions effected through Faster Payment
    System or using the FPS Services or services from
    non-card association and other digital payment account as
    may be made available by the Bank from time to time,
    insurance payment, bill payment transactions made through
    Standard Chartered Online Banking, Standard Chartered
    Phone Banking or JET Payment Services, phone order, mail
    order, transactions made at merchants in the gambling and
    betting, security brokers or dealers, non-financial
    institutions (including but not limited to the purchase of
    foreign currency, money orders and travelers cheques),
    financial institutions (including but not limited to the
    purchase of merchandise and services from banks, savings
    and loans, thrifts and credit unions and face-to-face cash
    disbursement), wire transfer, money orders and wholesale
    purchase of precious stones and metals, watches and
    jewelry, according to the merchant codes issued by Visa
    International from time-to-time, cash advances, balance
    transfers, “Instalment Credit” amounts, “Credit-to-Cash
    Preferential Annual Rate” amounts, tax payment, financial
    charges and fees;

  2. #192

    thanks for all the updates guys

    so I am thinking my updated strategy is:
    HSBC VS for dining (3.6%)
    HSBC red card for online spending (4%)
    MOX for designated merchants e.g. Amazon, Google Play, Apple Services (5%)
    UP earnmore for octopus AAVS, bill payments (via octopus wallet) and everything else (2%)

    any thoughts?
    damn my CCB JD just got approved but seems useless now


  3. #193
    Quote Originally Posted by icecreamed:
    thanks for all the updates guys

    so I am thinking my updated strategy is:
    HSBC VS for dining (3.6%)
    HSBC red card for online spending (4%)
    MOX for designated merchants e.g. Amazon, Google Play, Apple Services (5%)
    UP earnmore for octopus AAVS, bill payments (via octopus wallet) and everything else (2%)

    any thoughts?
    damn my CCB JD just got approved but seems useless now
    SCB Smart if you go to ParknShop / Fusion, Circle K, Watsons, or Donki often - 5%. Also 8% for HKTVMall, but only till end of this year.

  4. #194
    Quote Originally Posted by icecreamed:
    damn my CCB JD just got approved but seems useless now
    They have 4% for all payments made via AliPay. Except bill payments on which they are going to put 2.5% fees (still netting 1.6%), you can pretty much use it everywhere !

  5. #195

    Thanks vyral
    so to sum up again:
    HSBC VS for dining (3.6%)
    HSBC red card for online spending (4%)
    MOX for designated merchants e.g. Amazon, Google Play, Apple Services (5%)
    SCB Smart for designated merchants e.g. Park n Shop, Watsons
    UP earnmore for octopus AAVS, bill payments (via octopus wallet) and everything else (2%)
    CCD JB with Alipay everywhere that offers it (4%)

    that’s quite a lot of cards… any other refinements or suggestions anyone?

    pin likes this.

  6. #196

    Join Date
    Oct 2006
    Location
    Hong Kong
    Posts
    14,932
    Quote Originally Posted by icecreamed:
    Thanks vyral
    so to sum up again:
    HSBC VS for dining (3.6%)
    HSBC red card for online spending (4%)
    MOX for designated merchants e.g. Amazon, Google Play, Apple Services (5%)
    SCB Smart for designated merchants e.g. Park n Shop, Watsons
    UP earnmore for octopus AAVS, bill payments (via octopus wallet) and everything else (2%)
    CCD JB with Alipay everywhere that offers it (4%)

    that’s quite a lot of cards… any other refinements or suggestions anyone?
    So my thoughts for 2022 are as follows:

    - Alipay: CCB JD [4%] up to HKD142,857 a year. Will also keep bills there even if there is a charge as I can't see where I can get better cashback for bills
    - Online: HSBC Red [4%] up to HKD25k a month
    - Google Pay: BOC Sogo [5%] up to HKD2k a month
    - Google Pay after BOC Sogo: Citi Rewards [2%] [as long as this applies in 2022]
    - Restaurant: HSBC Visa Signature [3.6%] up to HKD100k a year
    - AAVS: SCB Simply Cash [1.5%]
    - Everything else: SCB Simply Cash [1.5%]

    For me the only real change will be to ditch the CCB Eye card and start using the Citi Rewards card again.

    I may consider the UP Earnmore ate 2% for AAVS and bill payments, just need to do some research on it.

  7. #197
    Quote Originally Posted by icecreamed:
    any other refinements or suggestions anyone?
    I forgot to mention that CCB JD card gets you 4% for online spends as well (equivalent to HSBC Red) but I am somehow more confident on HSBC Red for covering online categories more correctly.
    icecreamed likes this.

  8. #198

    Join Date
    Oct 2021
    Posts
    16
    Quote Originally Posted by icecreamed:
    Thanks vyral
    so to sum up again:
    HSBC VS for dining (3.6%)
    HSBC red card for online spending (4%)
    MOX for designated merchants e.g. Amazon, Google Play, Apple Services (5%)
    SCB Smart for designated merchants e.g. Park n Shop, Watsons
    UP earnmore for octopus AAVS, bill payments (via octopus wallet) and everything else (2%)
    CCD JB with Alipay everywhere that offers it (4%)

    that’s quite a lot of cards… any other refinements or suggestions anyone?
    If your concern is portability, you could argue that you won’t ever take a lot of these physical cards outside (e.g supermarkets would most definitely have contactless, CCB JD should be hooked up to Alipay anyway)
    icecreamed likes this.

  9. #199

    Join Date
    Oct 2021
    Posts
    16
    Quote Originally Posted by pin:
    So my thoughts for 2022 are as follows:

    - Alipay: CCB JD [4%] up to HKD142,857 a year. Will also keep bills there even if there is a charge as I can't see where I can get better cashback for bills
    - Online: HSBC Red [4%] up to HKD25k a month
    - Google Pay: BOC Sogo [5%] up to HKD2k a month
    - Google Pay after BOC Sogo: Citi Rewards [2%] [as long as this applies in 2022]
    - Restaurant: HSBC Visa Signature [3.6%] up to HKD100k a year
    - AAVS: SCB Simply Cash [1.5%]
    - Everything else: SCB Simply Cash [1.5%]

    For me the only real change will be to ditch the CCB Eye card and start using the Citi Rewards card again.

    I may consider the UP Earnmore ate 2% for AAVS and bill payments, just need to do some research on it.
    i got the same set as you except for contactless (Apple Pay for me) I got every BOC card there is (Sogo, Dual Currency Diamond, i-Card)

  10. #200
    Quote Originally Posted by pin:
    - Alipay: CCB JD [4%] up to HKD142,857 a year. Will also keep bills there even if there is a charge as I can't see where I can get better cashback for bills
    For water bills, Birdie/SmartOne/CMHK bills, Octopus wallet with AAVS can be used. But I could not see CLP or TownGas in Octopus app !