2022 - Credit Cards / Deals / Discounts / Cashbacks

[vyral_143]

My strategy is as follows;

- HSBC VS + HSBC Red (yet to get) combo for rent payment
- PrimeCredit EarnMore for AAVS Octopus 2%
- CCB JD for AliPay to be used almost everywhere 4%
- Citi Cashback for Citi PayAll (moving funds across two accounts and getting rewards) and dining 2%
- ZA Bank for spends upto $30-40 (easily averages to 5-6%)
- any other virtual bank for a specific purpose with better cashback at a given time e.g. WeLab has 10% rebate on dining upto 31st Dec for spend of $5000
- might (a random thought at the moment) get a supplementary HSBC VS card for dining

[pin]

My strategy is as follows;

- HSBC VS + HSBC Red (yet to get) combo for rent payment
- PrimeCredit EarnMore for AAVS Octopus 2%
- CCB JD for AliPay to be used almost everywhere 4%
- Citi Cashback for Citi PayAll (moving funds across two accounts and getting rewards) and dining 2%
- ZA Bank for spends upto $30-40 (easily averages to 5-6%)
- any other virtual bank for a specific purpose with better cashback at a given time e.g. WeLab has 10% rebate on dining upto 31st Dec for spend of $5000
- might (a random thought at the moment) get a supplementary HSBC VS card for dining

Hi can you explain payall? I thought there were fees for this.

[vyral_143]

Hi can you explain payall? I thought there were fees for this.

Citi PayAll has been rewarding differently. Generally, Citi runs campaign for doing 3 months of transfers and rewarding credit or vouchers of supermarket. First time when I tried for 3 months, it gave me $1500 credits. It did charge me 1% fees but card gives 1% cashback, so overall it gets nullified. Second time when I tried, I got $900 Wellcome vouchers; in this instance I was not charged a fee, so I set it up for 7 months instead of 3 months. In third instance, starting from next month, I have again set it up for 3 months. This time it was charging 1% fees and also gave option of no fee if you opt for no cashback; I chose later. This time Citi will again give $900 super market vouchers.

[pin]

Copying @icecreamed with his/her 2022 suggestions

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%)


And these are my possible suggestions for 2022:

- 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.

[zechi]

BOC i-card virtual (has to be the UnionPay one) for 4% up to $1,111 for bill payment as well, via the UnionPay app.

[vyral_143]

via the UnionPay app.

Any way to change language on UnionPay app ? or like Taobao, it will be in CHI only ?

[zechi]

Any way to change language on UnionPay app ? or like Taobao, it will be in CHI only ?

Upon launching the app press bottom right button -> setting/gear logo -> 5th option down (通用設置) -> first option (語言設置)

[Paxbritannia]

BOC i-card virtual (has to be the UnionPay one) for 4% up to $1,111 for bill payment as well, via the UnionPay app.

So 4% back on electricity and water?

[zechi]

So 4% back on electricity and water?

somehow the UnionPay app doesn’t let you pay water bills but everything else like electricity gas broadband are there

[LetsDiscuss]

- Citi Cashback for Citi PayAll (moving funds across two accounts and getting rewards)

which 2 accounts ? do you mean no need to spend and just transfer money from one account to another ?

- ZA Bank for spends upto $30-40 (easily averages to 5-6%)

I checked merchants and I don't find any useful merchants which we shop usually. Am I missing anything ?

Use ZA Card to spend at designated merchants to earn rebate. Rebate is in a form of ZA Coin. User must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion.