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Originally Posted by vsepr
(Post 25177237)
Call UOB everyday from the day, usually the 1st of the month, the UNI$ are deducted for annual fee to request for reinstatement. Stop until the UNI$ are back to your account.
Who knows, sometimes there are double crediting of UNI$ and you get a bonus of 4800 UNI$!! |
What do you guys and gals think of applying for and holding multiple cards specifically for the annual renewal miles 'bonus?'
For example, even without any spending, holding 4 cards (ANZ, Citi PM Visa+Amex and a DBS) gives 50,000 miles via S$927.60 annual fee. i.e. you're effectively buying miles at 1.86 sing cents / 1.35 us cents each. |
Originally Posted by shuigao
(Post 25177274)
What do you guys and gals think of applying for and holding multiple cards specifically for the annual renewal miles 'bonus?'
For example, even without any spending, holding 4 cards (ANZ, Citi PM Visa+Amex and a DBS) gives 50,000 miles via S$927.60 annual fee. i.e. you're effectively buying miles at 1.86 sing cents / 1.35 us cents each. I'm not eligible for Citibank PM Amex though, anybody got any relationship manager can refer me or something so it can get approved? Tried to apply multiple times but denied since I don't earn $80k per annum. |
Originally Posted by lcpteck
(Post 25177265)
You can just call in and request for waiver on their IVR, it's automatic. It will waive if you're eligible. If not, you can speak to a CSO.
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Well I only had the card for a year and it does the job of getting 4mls/$ for the outlets / transactions we maintain in the community Excel, but that part I wasn't aware off. Well I caught it on my statement this month and just called to get a waiver processed, but had never seen this as most banks take your cash first.
Anyways, I find it a bit sneakier by UOB as SQueeze highlighted because folks are more likely to notice a 192$ membership fee on their monthly statement, but not a reduction in UNI$ and hence may never ask for a waiver. YMMV, but transparency doesn't seem the goal here. Oh well. |
Originally Posted by naro
(Post 25177674)
So, UOB will reinstate the points after you call in to request for waiver?
Now say one is not eligible for a waiver, as a customer I should have a choice of cash versus UNI$ which according to my CSR UOB does not offer. That is quite bothersome. 4.8K UNI$ are almost 10K KF miles. I would kick up a major stink if not given a choice. Anyways, theoretical discussion on my end as waiver was given, but not something I was aware of. |
I asked for a waiver and got my points reinstated a few months back. I usually don't call them. Just leave a message though Internet banking
Just received this email. Will be moving all my online purchases to UOB Lady's Solitaire 10X UNI$ on Luxury Shopping, Overseas Shopping , Online Shopping, Departmental Store Spend and Taxi Rides A bonus of 9X UNI$ (“Bonus UNI$”) will be awarded for every S$5 spent on Luxury Shopping Transactions, Overseas Shopping Transactions in foreign currencies, Online Shopping Transactions in foreign currencies, Departmental Store Transactions and Taxi Transactions for the relevant statement cycle subject to a minimum spend of S$3,000 and a maximum spend of S$5,000 charged to the Card and captured/posted in that relevant statement cycle. The total Bonus UNI$ awarded to each Cardmember from qualifying spend will be capped at UNI$9,000 for each statement cycle. |
Originally Posted by naro
(Post 25177674)
So, UOB will reinstate the points after you call in to request for waiver?
Which is the stupidity of this whole exercise... if UOB is ready to approve annual fee waiver, why won't they just suppress the fee BEFORE is charged to the cardholder's statement? Instead, it's a waste of time for cardholder to have to call and 'request' the waiver... |
Originally Posted by chewiegranolabar
(Post 25178244)
Just received this email. Will be moving all my online purchases to UOB Lady's Solitaire
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Originally Posted by demue
(Post 25177688)
Now say one is not eligible for a waiver, as a customer I should have a choice of cash versus UNI$ which according to my CSR UOB does not offer. That is quite bothersome. 4.8K UNI$ are almost 10K KF miles. I would kick up a major stink if not given a choice.
Though arguably one "may" be able to get them to reinstate the 4,800 UNI$ and charge the fee in cash... Failing which, drain your UNI$ before the annual charging process. |
Originally Posted by shuigao
(Post 25177274)
What do you guys and gals think of applying for and holding multiple cards specifically for the annual renewal miles 'bonus?'
For example, even without any spending, holding 4 cards (ANZ, Citi PM Visa+Amex and a DBS) gives 50,000 miles via S$927.60 annual fee. i.e. you're effectively buying miles at 1.86 sing cents / 1.35 us cents each. |
carrotjuice, is that the same earn rate? I don't hold any Citi cards and was looking forward to canceling my bank account soon
$3000 min spending for UOB lady's is OK for me. It is the 5000 limit which is the stickler. I stuck with UOB Preferred Plat from 2012-2014, then HSBC Advance because of the 10x rate and no limit. Happy to find a card with a higher limit than DBS Womans and UOB Preferred Plat |
Originally Posted by vsepr
(Post 25177237)
Call UOB everyday from the day, usually the 1st of the month, the UNI$ are deducted for annual fee to request for reinstatement. Stop until the UNI$ are back to your account.
Originally Posted by demue
(Post 25177678)
Anyways, I find it a bit sneakier by UOB as SQueeze highlighted because folks are more likely to notice a 192$ membership fee on their monthly statement, but not a reduction in UNI$ and hence may never ask for a waiver. YMMV, but transparency doesn't seem the goal here. Oh well.
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Originally Posted by chewiegranolabar
(Post 25181865)
carrotjuice, is that the same earn rate? I don't hold any Citi cards and was looking forward to canceling my bank account soon
$3000 min spending for UOB lady's is OK for me. It is the 5000 limit which is the stickler. I stuck with UOB Preferred Plat from 2012-2014, then HSBC Advance because of the 10x rate and no limit. Happy to find a card with a higher limit than DBS Womans and UOB Preferred Plat |
Originally Posted by naro
(Post 25177674)
So, UOB will reinstate the points after you call in to request for waiver?
However I have heavy usage on UOB cards so not sure if that matters or not. |
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