Tag Archives: online

HSBC Advance Extends 10X Rewards to 31 May 2017

The 10X Rewards program with HSBC Advance was originally scheduled to end on 31 March 2017. Historically, the program has been renewed numerous times in the past, so there was some hope of another extension.

Well, that’s finally happened. HSBC has added a note on the Advance card site that the 10X rewards program is extended to 31 May 2017.

Needless to say, unlimited 10X rewards points on online and dining/entertainment is ridiculously generous. This program is almost certainly a loss leader for HSBC to get people to sign up for Advance accounts, and I don’t believe it is sustainable in the long run.

Still, make hay while the sun shines!

Cardup adds limited time member get member promotion

EDIT: The Cardup member get member promotion has been extended indefinitely

I’ve written previously about the startup Cardup, which charges a 2.6% fee in exchange for letting you use your credit card to make payments that normally couldn’t be made using a credit card. This means you can earn rewards points and miles on payments like rental, school fees, condo fees, insurance etc. Think of it conceptually as an opportunity to buy miles at a discounted rate.

Give $20, get $20

Cardup has launched a member get member promotion that lasts from now till 31 May 2017.

Under this promotion, any member that signs up via your referral code gets $20 off the Cardup fee for their first payment. You get $20 off your next payment for each successful referral. The maximum amount of free credit you can earn is $200 per account, or 10 referrals. Given the 2.6% fee, a $20 Cardup credit will cover the fees incurred on a ~$770 maximum value transaction.

My promo code is AARONW54, but feel free to post your own referral codes in the comments section below.

I realise the last time I wrote about this there was some confusion as to which cards earn 10X rewards points through Cardup. I have previously confirmed receiving 10X rewards points on Cardup using my DBS Woman’s World card for a transaction made in November 2016. I have not personally tested any of the following cards which offer 10X for online spending

  • HSBC Advance
  • UOB Pref Platinum Visa
  • Citibank Rewards
  • OCBC Titanium Rewards

The long and short of the matter is that there isn’t a whole lot of transparency on the back end of the banks as to how they classify transactions. There’s always a risk that you’ll not get what you were expecting. However- this member gets member promotion presents an opportunity for us to test different cards. Whether or not your 10X successfully posts, you don’t end up out of pocket, so that should lower the barrier to trying.

As a reminder, if you use a card like the UOB PRVI, you’ll get 1.4 mpd, or 1.86 cpm. You could potentially get 0.65 cpm with a 10X card, but that depends on whether you’re willing to gamble with either getting 10X or 1X (0.4 mpd).

Sharing is caring- please post the results of your field testing below. There might not be a point testing the HSBC Advance (assuming they don’t renew the 10X promotion), but I’d be interested to see what happens for other cards. Will give my Citibank Rewards card a test, if someone sends some free credit my way!

8 Miles per $1 with Citibank Rewards and Amazon (edit: extended to 30 Jun 2017)

From now till 31 October, Citibank Rewards cardholders can get 8 miles per S$1 spent on Amazon.com. (EDIT: Extended to 30 June 2017)

No registration is required for this. The maximum bonus you can earn is 8,000 miles or S$1,000 spend per statement period (which may or may not be calendar month).

I know everyone is holding out for the Black Friday sales on Amazon in November. No worries, you can prepay your Black Friday balance by buying an Amazon Gift Card now.

The cap applies per card, not per account. What this means is that if you have both the Citibank Rewards Visa and MC you can get up to 16,000 miles per statement period (spending $1,000 each on the Visa and MC).

The downside of Citibank is that they make it difficult to pool your points for redemptions. I understand that if you dial in you can ask the CSO to pool your points so that you only pay one conversion fee but I’ve not tried this before.

If you need someone to mule your Amazon purchases back home, try AirFrov.