Skip to main content

Good things don't last - CIMB credit cards revision

As usual, good things don't last.

First was BOC Family card, now it seems like the temporary-attractive CIMB cards are going the same way too...


Both CIMB Visa and Platinum requires min $600 spend and gives 10% rebate ($50 cashback per category, up to $100 cashback) on:

  • Visa Signature
    • Dining
    • Online spend
    • Grocery
  • Platinum
    • Travel
    • Health, Beauty & Wellness
    • Transport & Petrol

W.e.f 5 Jun 2019

Both CIMB Visa and Platinum requires min $800 spend and gives 10% rebate ($20 cashback per category, up to $100 cashback) on:

  • Visa Signature
    • Dining (now reflected under Platinum)
    • Online spend shopping ("This excludes all other online websites, not limited to movies, food & beverage, travel, airline, government, brokerages/securities, insurance, tuition and online gambling websites")...wth?
    • Grocery
    • Beauty & Wellness (new)
    • Pets Shops and Veterinary Services (not applicable to me)
    • Cruise
  • Platinum
    • Travel (only in foreign currency)...sian
    • Health, Beauty & Wellness and Medical ("This does not include transactions made at government hospitals, clinics or polyclinics.")
    • Transport & Petrol
    • Electronics and Furnishing (Harvey Norman, Best Denki, Challenger, Ikea, Courts and Parisilk)
    • Wine and Dine
You can refer to the changes here.

To sum up for my reference:

The revisions meant I may use the cards for:
  1. Visa Signature
    • Facial packages
    • Groceries
    • Cruise
  2. Platinum
    • Dining
    • Medical bills at private hospitals????
    • Electronics and Furnishing when I need to buy items for my new house @ Harvey Norman, Best Denki, Challenger, Ikea, Courts.
Only if I know I can clock a minimum $800 bill. Chances are, it will be for cruise and electronics/furnishing.

Gosh. It's getting more difficult to get rebates these days.

Which means I will need to find other cards spending for travel!😩Any ideas?


  1. cruise is a weird category. who spends on cruise every month?


Post a Comment

No rude messages please. Unkind messages and spams will be blocked and deleted.

Popular posts from this blog

I finally cross $700k networth, after 1 year 4 months

I wondered how I should kickstart this post - should I be positive or negative about this? After 1 year 4 months, I finally crossed $700k in networth - returning back to where I've been at, back in Dec 2021.  I am disappointed.  For the past many years, I've always been growing my networth, at around $100-$150k/year. I had big plans to hit a net worth of $850k by December 2022, but the universe had other plans for me. Instead, I only managed to reach $646k, leaving me with a $204k gap to my target.  Ever since I became more aggressive in my "investment" portfolio in 2021, being sucked by greed to deploy most of my cash into stocks and crypto, I fell heavily, along with the crashes. Crypto wiped out 5 digits savings, so did the stock market.  To be honest, ever since the crashes and a bad hit to my net worth, I actually didn't do anything special to improve. I didn't make drastic spending cuts, I didn't stop my holidays, I didn't continue investing (no

First CPF top up in Jan 2023 and tax relief concerns

Detailing my yearly CPF top-up and thoughts.  This is my 8th year of top-up. 1. Top-up $2.5k to Medisave via Paynow Did a $2,500 top up to my Medisave, bringing it to 2023 MA ceiling of $68,500. Done the same for my husband as well. 2. On hold - To top up $5.5k to SA or no? Contrary to the past where I top-up at the start of the year, I have decided to hold off the top-up. A) Running out of cash Firstly, I'm running out of cash. I'm berating myself for degrading to the past where I look forward to my monthly income for cashflow. So I can build up my $100k capital in savings account again, given the current high interest environment.  B) Hitting FRS soon = no tax relief Secondly, I'm concerned about reaching FRS too soon.  The FRS this year is $198,800. I'm now sitting on ~$157k SA which means $41,800 away from reaching this ceiling.  I know some people encouraged maxing this out ASAP. But, as I've crossed 6 digits annual income, maxing FRS soon meant lower tax relie

Starting 2023 with extra $9,979.20

Happy 2023~! I woke up feeling not very positive. It seems like I've brought forward my 2022 negative thoughts along. I ought to be more optimistic! Anyway, my best way of welcoming the new year is to count the new inflow of $ and here's my CPF interest for 2022: Have you check your CPF interest yet?