I Found the Best No Minimum Spending Credit Card Combination for 2024

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Don't spend much but still want some cashback? I've got you! 😏
🔥 Get the Standard Chartered Smart Credit Card Here ➡️ bit.ly/dzscsmart
🔥 Get the HSBC Revolution Credit Card Here ➡️ bit.ly/dzhsbcrevolution
🔥 Get the UOB Absolute AMEX Credit Card Here ➡️ bit.ly/dzuobabsoluteamex
📝 Written Guide ➡️ demizhuang.com/writings
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Not able to hit savings account spend requirement to earn interest on your savings?
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⏳ 23 July 2024, 10:00PM SGT - 31 October 2024, 9:59PM SGT
📝 Step by Step Guide on my website ➡️ bit.ly/4cT4Qsa
Sign up link ➡️ j.moomoo.com/00x8FW
Enjoy 6.8% p.a. Guaranteed Returns with a Money Market Fund on Moomoo Singapore
🎁 Maximum Returns S$447 (deposit S$80,000) | min $0.01
🌟 With my link - Receive $20 ➡️ j.moomoo.com/00x8FW
👉🏼 Deposit S$100, subscribe into a cash plus fund, hold funds for 30 days
2️⃣ Receive 1 Stock Bundle (worth S$70)
👉🏼 Deposit S$3,000, make 3 buy trades, hold funds for 30 days
3️⃣ Receive 3 Stock Bundle (worth S$210)
👉🏼 Deposit S$10,000, make up to 8 buy trades, hold funds for 90 days
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👉🏼 Deposit S$100,000 TOTAL , Hold funds for 90 Days
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FAQ ➡️ www.moomoo.com/sg/support/topic5_128
I Found the Best No Minimum Spending Credit Card Combination for 2024 covering your day to day expenses. Remember, never inflate your expenses just to chase after credit card rewards. Do it the other way around and just earn what you can based on your already incurring expenses. If you enjoyed this video, give it a like, it'll really help with supporting this channel! Constructive feedback is always welcomed!! 🙂
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How I Manage My Money
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🛒 2 in 1 Personal Finances Tracker - ko-fi.com/s/12b3ae7641
🛒 Annual Budgeting Spreadsheet - ko-fi.com/s/e45fe60c1b
🛒 Net Worth Tracker - ko-fi.com/s/d99366e5b5
🛒 My $ Foundation (FREE) - ko-fi.com/s/878c3211cb
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Connect With Me
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📫 Email - demi.zhuangg@gmail.com
💛 Support - ko-fi.com/demizhuang
👋🏼 Instagram - @demiizhuangg
🌐 My Website - demizhuang.com
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Books that Changed My Perspective (Life & Money)
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📚 The Pathless Path - amzn.to/3vxYqOu
📚 The Psychology of Money - amzn.to/3vB4g1p
📚 Die with Zero - amzn.to/3ShqkHb
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Disclaimer
Some links above are affiliate link. I earn a little at no cost to you!
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡
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TIMESTAMPS:
00:00 - Introduction
00:29 - First Credit Card
04:58 - Second Credit Card
07:00 - Third Credit Card
08:15 - Why Not Maybank Visa
#demizhuang #creditcard

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Опубликовано:

28 янв 2024

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Комментарии : 60

@lausj1999 6 месяцев назад

Hi Demi, this is exactly the review Im looking for. Thanks so much for your time and sharing! Wondering about the following purchases, are there any cards available for cashback: 1) income tax 2) Neighbourhood malls merchants/suppliers as well as suppliers online orders (they usually only have paynow transfers which are not qualifying payments for cashback??)

@DemiZhuang 6 месяцев назад

Hello, income tax not that i know of for cashback. for miles people use services like cardup. PayNow transfers no eh. Use Googlepay sometimes you'll get scratch card for $X each time.

@Zjunyi79 6 месяцев назад

Hi Demi, thank you for the video sharing 👍. Can you share what are the different GIRO that I can pay using the HSBC EGA to get the 1% cashback (can I use it to GIRO pax for Income Tax, Property Tax, School Fees, HSBC credit card bills and other CC bills etc). And how do I set it up.

@DemiZhuang 6 месяцев назад

Hi, refer to the official T&C - www.hsbc.com.sg/content/dam/hsbc/sg/documents/accounts/everyday-global/terms-and-conditions-governing-everydayrewards-programme.pdf

@Xamael666 6 месяцев назад

Wonderful! Thanks Demi!

@ClaraFlater_than_surface_board 6 месяцев назад

You are the only reviewer that goes the extra mile to provide the public a very useful guide! Thank you for the time and effort!

@DemiZhuang 6 месяцев назад

Wow thank you for this! I'm glad it helps :)

@chowjiayi1644 День назад

Hi, which bank account/credit card combo do you recommend to maximise interest earned with no min spend?

@eeyekk4858 6 месяцев назад

I have a my stock investments split between normal accounts and a stocks and shares isa should I move all investments over to stocks and shares isa.

@kelvinskirt 6 месяцев назад

How to max the $300 cashback for the EGA account? I don't have so many credit card bills to pay. Also, I do not have $30,000 credit limit. Thank you.

@taeriterry2308 5 месяцев назад

Urm... im 34 this year. But i dont own a single credit card. Is it to own a credit card?

@hafizhamzah2475 5 месяцев назад

Hi Demi great review on the cards, could you elaborate more on getting 1% cashback when paying hsbc credit card bill? you mean via GIRO or normal bill payment using everyday global saving acc?

@DemiZhuang 5 месяцев назад

video coming up this week!

@hafizhamzah7478 6 месяцев назад

Hey Demi, Just wondering on using GIRO to pay insurance premiums to enjoy 1%, do you do monthly payment or annual payment as mostly insurance premiums are annually charged, thanks!

@DemiZhuang 6 месяцев назад

hello~ I've yet to change my singlife plan. Going back to SG to do this in person.

@KakynKhok 5 месяцев назад

Hi Demi which card would you recommend for someone who only wants to use only one card?

@DemiZhuang 5 месяцев назад

Hmm i would need more details! How much do you spend a month. Largely on what kind of transactions?

@edelang3332 6 месяцев назад

Hi demi! I’ve sign up for the sc smart card via your refferal. May i know if the sign up gift is the $288 that I will be getting if I spend $588 using that card? And also if this amount needs to be under the category that is eligible for the 6% cashback (mrt,subscriptions..etc)

@DemiZhuang 6 месяцев назад

Yup thats correct. No it doesnt have to be the 6% cashback merchants as long as its not under the excluded transations like insurance premium payments etcetc!

@ToxicMadridista 6 месяцев назад

Hi Demi, you mentioned the SC Smart Card is more for the 6% Cashback while it's a different story for Miles. Do you mean it's not worth redeeming Miles with this card? Thanks.

@DemiZhuang 6 месяцев назад

It depends on how much you can accumulate in the span of 3 years i suppose. The risk is that you might not accumulate enough points to redeem for miles since this card spending is so particular in order to enjoy 5.6 miles per dollar.

@smeewhee 6 месяцев назад

hi demi! can i check for the uob absolute card, does it cover the stuff that the hsbc rev no longer does (klook, other travel related things)

@DemiZhuang 6 месяцев назад

Yup it does

@smeewhee 6 месяцев назад

@@DemiZhuang thank you! ☺️

@pickachok9900 6 месяцев назад

You can actually use hsbc advance card and get atleast 2.5% cashback.

@Rlergo 6 месяцев назад

Hi Demi. Would like to ask if revolut and wise card is accepted for payment in korea?

@DemiZhuang 6 месяцев назад

Yup

@Xamael666 6 месяцев назад

Btw, what do u mean by Redemption Page = 3 years? & the max points cap is 14,400 per month which will not rollover to the next month if the points are not redeemed? 😕

@DemiZhuang 6 месяцев назад

Ignore the redemption page, in the guide it's actually the link to the rewards redemption of SC. 14,400 additional points is the cap that you can earn in a month. Validity for the points is 3 years.

@khsk8716 6 месяцев назад

Hi Demi, great content! Can you recommend me a card that's good for fashion? Basically brands like H&M, Zara, Uniqlo, Love Bonito, basically all the clothing labels. My job required me to buy a copious amount of clothes (not for my own wear), and the amount I have to spend can be anywhere between $1,000 to $10,000 a month. I'm most interested in air miles, but am happy with cash back as well. Thank you!

@DemiZhuang 6 месяцев назад

UOB Lady's selected category, HSBC Revolution, UOB Preferred Platinum, Citi Rewards + Instarem Amaze. Cashback cards can look at, UOB EVOL, UOB One CC (consistent spending required). You have to maximise accordingly for each of the cards. Maxed out on 1 move to the next etc that way you'll be able to optimise the returns u can get based on your spendings. Hope this helps.

@Lololol555x 6 месяцев назад

Can i check if the hsbc cc just charged and immediately will get 2.5% Cashback??? I been using the uob absolute card wah am i missing out on much Cashback? Caz uob is clear cut immediately will get 1.7% next bill fuss free. Hope to understand more

@DemiZhuang 6 месяцев назад

Hsbc comes in the form of reward points. Accumulate and redeem for cashback or miles. Can check out this video - My FIRST Choice Credit Card & Savings Account | Cashback on Insurance Premiums and Bills ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-4RQqoacaMUk.html

@JL-ud6xx 6 месяцев назад

for UOB absolute, recurring payment in SP app is counted online transaction? there is no catch for mobile/online transaction for this CC right, as long as it's charged?

@DemiZhuang 6 месяцев назад

yup! correct, as long as it doesnt fall under the few excluded transactions in the T&C, most of it should count for 1.7%.

@JL-ud6xx 6 месяцев назад

@@DemiZhuang i love you!

@smaan8979 6 месяцев назад

Why do need apply thru singsaver ? Is there any benefit Can apply directly to bank websites

@DemiZhuang 6 месяцев назад

there are sign up rewards

@MarouenBenMessaoud 5 месяцев назад

Hello Demi , I am a Mile Oriented Guy and not into Cashback, Can u cover a video on the best cards to have for maximising miles and reaching Gold status with Singapore Airlines ?

@DemiZhuang 5 месяцев назад

Don't Accumulate Miles without a Plan | My Miles Strategy 2024 ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-zOmxEiNFJ7o.html

@DemiZhuang 5 месяцев назад

Not sure about reaching Gold stats with SIA though. I’m also relatively new to this.

@multichillex105 6 месяцев назад

how did you arrange for your dbs cc to pay off all your other cc bills?

@DemiZhuang 6 месяцев назад

you can add the card number under dbs bills!

@CreativeKrystal.. 5 месяцев назад

Is there any credit card that I can charge for vet visits for cashback ?

@DemiZhuang 5 месяцев назад

You can look at CIMB Visa Signature!

@josephd9079 5 месяцев назад

hi will like to control spending is there any points or rewards if i just use my hsbc card and top up $4k per month to youtrip ? Also your notion written guide is not working .

@DemiZhuang 5 месяцев назад

No, no points for topping up.

@josephd9079 5 месяцев назад

@@DemiZhuang i see . thanks i still have an ocbc rewards card they use to call it titanium card its a useless card now ? never see you mentioned about it .