Points system for taking cab.

With the addition of a new family member, taking cabs is unavoidable nowadays for 笨mummy. Now a point system by Comfort for those people who take cabs is here. http://cabrewards.cdgtaxi.com.sg

From now to end May, there is a 500 points give for those who sign up. Why not sign up now and enjoy that extra head start. 

Under the cabreward system, payment by cashless mode would enjoy 1 point per $1 spent and a total of 1000 point can redeem a $5 comfort taxi voucher. Couple this with the Nets Flashpay, one can enjoy a further 5% rebate on taxi fare if one spent more than $30 per month on cab. (See Nets Flashpay promotion: http://www.nets.com.sg/offers-a-promotions/nets-flashpay/taxi-rebate-flashpaycard) 

The 5% rebate can break-even the admin fee of $0.30 charged at a cab fare of S$6. 

Also for those that have the OCBC Frank credit card, the money that was top up into the credit card Nets Flashpay function is entitled to the 6% rebate (if one fulfill the OCBC  6% rebate requirement) and your break- even limit is even lower of S$3 [$3 x (5% + 6%)].

So yummy.. 3.05% interest from OCBC 360 account.

http://www.ocbc.com/personal-banking/accounts/360-account.html

Revamp to OCBC 360 account makes it so hard to resist. 笨mummy just apply to open the account over lunch.

Time to parking the emergency fund to earn the higher interest. With the FAST, it no longer matter when one's salary is credited. It takes just a few minutes and the money is moved from one bank to another. Plus paying 3 unique bills is a piece of cake and spending $400 a month on OCBC credit card is not an easy task.

Getting back

Yes, 笨mummy has been away for a long long time... her last post was May last year. Now she is back. Last year was eventful for 笨mummy. Coping with pregnancy, emergency C-Section, to being a mummy taking care of a newborn baby, coping with nasty confinement nanny, and dealing with in-laws. Now things have more or less being more stable for 笨mummy, though she is still quite busy and 24 hours a day is always no enough for her. It is good to be back to doing what she uses to do... penning down her thought in a blog and sharing things and ideas with others. :)

Capitastar program

This is a membership program that is introduced by Capitamall. For those interested, can refer to this link for more information on how this program work -http://www.capitastar.com.sg/

The program works well for those who regularly shop at Capitamalls, since you are already shopping there why not tag along this program to max your spending. It also works for one who live near a participating mall, like 笨mummy. Living in the Jurong area, Jcube and IMM are frequently visited by 笨mummy for shopping and dinning.

Spending of $1K would be able to get 5,000 capitastar point and redeem $5 capitamall voucher. Plus there are frequent promotions on going at the malls also allow extra points to earn. 

Standard chartered 360° Rewards Program

 笨mummy cannot deny the fact that she loves her Standard Chartered Bank credit card program and this is not without good reason. It is one of the banks that give reward points to credit card holder for merely having a "relationship" with the bank and no spending is involved.  

Yes,  笨mummy is talking about the 360° Rewards Program. For those interested, you can find the details on Standard Chartered Bank website - http://www.standardchartered.com.sg/personal-banking/cards/rewards/360-rewards/en/.

This is how it works for 笨mummy who is under the preferred banking with the bank: 

Every month 笨mummy would be getting 750 points from SCB and in a year that is 9,000 points. Based on the new updated reward redemption catalogue, this is what items that can be redeem within the 9,000 points: 

• 7,200 points can get a S$30 sakae sushi voucher, 
• 5,500 points can get S$30 GNC voucher
• 5,200 points can get S$20 Paradise Group voucher

Which bank rewards customer with a potential free Japanese meal for just having "relationship" with them? Now you know the answer. :) 

Goodbye to Xtrasaver card

Time for 笨mummy to say goodbye to Xtrasaver card. Wef 1 Arp 2013, Standard chartered SG is going to change the cash rebates for its XtraSaver account. They removed the current cash rebate for NETs transactions. This means that 笨mummy  would not be getting any cash rebate for any payment for credit card bills using AXS. 

Beauty of Standard Chartered Xtrasaver account

笨mummy has been late in discovering the beauty of the Standard Chartered Xtrasaver account. But it is still better late than never. 


So what is so great about this account? It allows one to get cashback from Mastercard spending (extra for petrol) depending on how much you have in the checking account:

Checking account deposit balance	CashBack on petrol with MasterCard	CashBack on local and overseas MasterCard transactions
		If you spend on petrol	Do not spend on petrol
$6,000 and above	7%	1%	2%
$20,000 and above	10%	1%	2%
$50,000 and above	12%	1.5%	3%
$200,000 and above	15%	1.5%	5%

In addition, there is also 0.5% cashback from Nets transaction. This is what that makes 笨mummy excited over the Xtrasaver account. 


Every Jul, 笨mummy needs to pay her annual insurance premium of $3.5K to Prudential and the best credit card to use is , of course, the Standard Chartered Manhattan Credit Card that offers a 5% rebate on any spending of $3K in the month (capped at $200 cash rebate per quarter). 


Now with the Xtrasaver debit card, 笨mummy can now pay the bill to her Manhattan Credit Card using the Net function of Xtrasaver debit card at the AXS machine and this would give her an additional $17.5. 


To let more about Xtrasaver account, please refer to http://www.standardchartered.com.sg/personal-banking/deposits/xtrasaver/en/