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2016’s Best Credit Cards For Grocery Shopping

As businesses are adopting increasingly competitive prices, grocery shopping became costlier. And if you were to use a credit card, be sure to indulge on all of its rewards by paying the bill in full each cycle. That said, here are the 2016’s Best Credit Cards For Grocery Shopping (listed in no particular order)…

1. HSBC VISA PLATINUM CARD

Minimum Annual Income (Singaporeans): S$30,000
Minimum Annual Income (Non-Singaporeans): S$40,000

Do you want a card that allows rebates on your daily spending? HSBC Visa Platinum Credit Card may just fill your heart’s desire. It has rebates for grocery shopping, telecom bills, petrol, and dining. Waived for 2 years, the annual fee is S$180. Get 3% cash rebates on your grocery shopping with a minimum spending of S$400/month or 5% cash rebates with a minimum spending of S$800/month.

2. OCBC PLUS! VISA CARD

Minimum Annual Income (Singaporeans/PRs): S$30,000
Minimum Annual Income (Non-Singaporeans): S$45,000

OCBC Plus! Visa Credit Card will give you a whopping 5% off on all the items at FairPrice and FairPrice Online. What’s more? You can save up to 5% off at Unity, 3% off at Popular bookstore, and 18.3% off at Esso fuel stations. All you have to do is pay an annual fee of S$80 – waived for the first year!

3. UOB DELIGHT CARD

Minimum Annual Income (Singaporeans): S$30,000
Minimum Annual Income (Non-Singaporeans): S$40,000

Does 10% rebates at groceries and pharmacies sound tempting? Then, UOB Delight Credit Card is perfect for you. Enjoy up to 10% off house brands at Giant, Cold Storage, and Guardian. For the rest of the products, you can get 3% or 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian (T&Cs apply). To qualify for this, you must pay S$85.60 annually.

Buying in bulk? Get free home delivery at selected Giant stores with a minimum spending of S$150 in a single receipt.

4. CITIBANK SMRT PLATINUM VISA CARD

Minimum Annual Income (Singaporeans): S$30,000
Minimum Annual Income (Non-Singaporeans): S$42,000

As the name implies, Citibank SMRT Platinum Visa Credit Card will give you good savings for your public transportation. Surprisingly, it is also good for grocery shopping. Get up to 7% savings on Fairprice, Sheng Shiong, and Giant. Just pay an annual fee of S$161.50, waived for 2 years.

5. CITIBANK DIVIDEND CARD

Minimum Annual Income (Singaporeans): S$30,000
Minimum Annual Income (Non-Singaporeans): S$42,000

Looking for a credit card that does not limit your grocery shopping? Look no more as Citibank DIVIDEND Card gives you up to 8% cashback at all supermarkets nationwide (e.g., Cold Storage, Jasons, Sheng Shiong, and more)! Aside from this, you shall receive 0.25% cashback on your other retail spending. The basic card annual fee is S$192.60.

Image Credits: www.citibank.com.sg

How to make the best out of your last $300?

Experts estimate that more than 90% of the diseases are stress related. And rapid aging is probably another negative by-product of sustained elevated stress levels. While eradicating anxiety and stress altogether in fast-paced Singapore may be unrealistic, indulging in therapeutic treatments and one’s favourite hobbies can certainly help to manage stress.

Continuing from the article “How to maximise your life with a $3,000 paycheck”, this article is the last in a five-part series and it will zoom in to the ways of deriving the ultimate satisfaction and gratification from life with the last 10% or $300 of a $3,000 salary.

Image credit: taxisingapore.com

1. A short getaway to Johor Bahru

While it is a well-known fact that JB is a shopping and food haven, many may still feel that it is not worth a hassle to beat the checkpoints and commit to the distant travel. However, depending on one’s schedule and opportunity cost, the huge cost savings are hardly resistible. Indeed, food, accommodation, wares and massage services are priced at a steep discount to those in Singapore, especially when the favorable exchange rate persists. Therefore, it may be more sensible and economical to shop in the foreign land to maximize your spending power.

Image credit: outlet.com.sg

2. Go online shopping

Being economically vibrant and prosperous is honorable, but it is not without its costs. Prohibitively high rental and labour costs in Singapore have created much hardship for local businesses, and consequently, the consumers who have to bear the inflated price tags. However, it pays to be technologically savvy. The major growth spurt of online retailers has simply thrived on a low-cost but high-quality principle. Furthermore, online businesses are easily accessible, which enables effortless comparisons. And it is precisely this unmitigated flow of information that heightens competition and further drives down our bills. So, time to hitch on to this modern trend if you haven’t!

Image credit: appleandradish.com.au

3. Learn a fun skill

Learning is limitless. By continually expanding your knowledge and skills, you gain others’ respect while becoming an increasingly invaluable asset to their lives (and of course, you are the greatest beneficiary of your own abilities). It does not have to always be intellectual. It could be an indispensable skill that most people overlook. Thankfully, this gap is plugged by LessonsGoWhere, an online marketplace that brings exciting and enriching lessons covering a diverse blend of 9 categories from baking to photography to an aspiring community. Who knows if one day, the new skill may even change your entire course of life and carve out a rewarding career niche?

3 ways to look for the best in people

Some people we know adopt generally negative and cynical attitudes towards others, but in doing so, they fail to realize that they have missed out on the joys of life. These people sometimes impose self-righteous beliefs on to others and form judgments of how others should behave. They keep close tabs on people’s mistakes rather than focusing on the positive experiences all of you can create and share. And such behaviours potentially strain friendships and social ties.

On the other hand, if everyone recognizes the fact that life has its own struggles, we could be more forgiving and compassionate. We can alleviate our own suffering while not adding to others’ emotional burden by being positive and looking for the best in people in 3 ways.

Image credit: fastcompany.com

Cultivate a compassionate attitude in which we are empathetic, receptive, understanding, and loving towards others. We all have independent minds that think differently due to disparate cultural and social influences. Most of the time, there isn’t a clearly superior or inferior viewpoint. It is thus often in our best interest to expose ourselves to the universe of diverse ideas and beliefs and learn the beneficial ones through methodical comparison and evaluation. At the same time, when we cultivate compassion instead of negativity, we become closer to the people we love and care about and experience a greater sense of moral fulfilment within ourselves.
Image credit: interviewling.com
Understand everyone has their own strengths and weaknesses and seek to recognise and complement people’s strengths instead of being unduly obsessed with their weaknesses. More often than not, it reaps far more extraordinary results by spending one’s limited time and resources on building strengths than minimising weaknesses.
Image credit: themaritzinstitute.com
Put yourself in other’s shoes and think from their angle. Always think of how you would want to be treated. Do you like somebody to nitpick your mistakes? If not, the best way to solve a problem is rarely blame shifting or lashing out on others. Instead, maintaining a cool-headed composure and providing constructive (rather than destructive) feedback would be a much more effective remedy. This speeds up learning, resolves the issue and gains other’s favour.

It is important to accept that we create and shape the world we want to live in. If we want others to be compassionate, considerate and understanding, we have to first be comfortable with exhibiting these traits. If we want others to discover and augment our strengths, we should first have a stake in developing others’ strengths and bringing them success. The old adage “don’t do unto others what you don’t want others to do unto you” still holds unwaveringly. Start appreciating what others have as opposed to getting sore at what they lack could be the first step. Every effort to make the world a more congenial place to live in counts.

Delicious And Affordable Places for Indian Food in Singapore

The taste of Indian cuisine consists of a myriad of regional dishes native to India. Each region of diverse culture, language, and climate bring their own popular dish to the mix. Nonetheless, aromatic spices are the essence of Indian food. In Singapore, you will find several restaurants and stalls that offer authentic Indian food, here are 4 good ones that are worth trying…

4. SARAVANNA BHAVAN

Saravanaa Bhavan is an Indian Vegetarian Restaurant Located at Syed Alwi Road. With more than 30 outlets across the world, its first Singapore outlet was established in 2001. They offer nothing but authentic Indian vegetarian food with online voters raving for the tongue licking goodness of Ghee Roast Masala Dosa, Mini Tiffin, and Mango Lassi. Affordable prices range from S$2.20-12.50. You can even order your Saravannaa Bhavan food online by visiting: saravanabhavan.com.sg/online-order.

Image Credits: Saravanaabhavan singapore via Facebook.com

Location: 84 Syed Alwi Rd, Singapore 207663

Online Rating: 64% up votes on HungryGoWhere

3. SAKUNTHALA’S FOOD PALACE

Sakunthala’s Food Palace’s modern decor sets the tone for its exquisite ambiance and home-style Indian cooking. They offer a mixture of South Indian, Northern Indian, Vegetarian, and Chinese fusion dishes. Their chefs handpick each ingredient from the freshest produce to ensure highest quality at an affordable price. Their inexpensive prices range from S$1.50-14 with an exemption of the Fish Head Curry that costs about S$30.

Locations:

66 Race Course Road, Singapore 218570

88, Syed Alwi Road Singapore 207667

No.8, Changi Park, Avenue 1 UE Biz Hub East, #01-53 Singapore 486018

151, Dunlop Street Singapore 209466

Online Rating: 67% up votes on HungryGoWhere

2. SING MING ROTI PRATA

Sin Ming Roti Prata, located in Jin Fa Kopitiam, is a gem for flavorful, fragrant, and texture rich pratas in Singapore. Several reviews online (1, 2) have enjoyed Sing Ming Roti Prata’s prata and considered it as one of the best. One HungryGoWhere online voter even said that it as the best prata he ever had. This is why it is recommended to try their plain prata. The average price of the food is only S$4.

Location: #01-51, Jin Fa Kopitiam, 24 Sin Ming Rd, Singapore 570024

Online Rating: 94% up votes on HungryGoWhere

1. TANDOORI CORNER

What is special about Tandoori Corner is that it serves affordable traditional Indian cuisine in a fine dining setting. In fact, food prices of S$2.50-20.90 gives you the value for your money. Offering good ambiance and good service, it is recommended for you to try their Butter Chicken for S$11.90.

Locations:

400 Balestier Road, #01-12 Balestier Plaza, 329802 #01-01

5 Boon Tat Street Singapore 069613

Online Rating: 100% up votes on HungryGoWhere

Image Credits: http://www.tandooricorner.com.sg/

Image Credits: www.tandooricorner.com.sg

Enjoy your meal!

Best Credit Cards For Frequent Flyers

Visualize beautiful and serene sandy beaches of Boracay, Philippines or the bountiful shopping escapades in New York City, USA. Your everyday spending using your frequent flyer or air mileage credit card can turn your dreams into reality. Bringing the world closer to you, here are the best credit cards in Singapore that you shall consider:

4. DBS ALTITUDE AMERICAN EXPRESS CARD

DBS Altitude American Express Card offers rewards for air mileage and dinner deals. Dinner deals include discounts at over 1, 000 places nationwide with the DBS Indulge program. For example, cardholders get 1-for-1 Buffet Dinner at Hotel Jen Singapore.

With a fee of S$180 every year (waived for 1 year), and a minimum annual income of S$80, 000 for Singaporean, PR, and Foreigners, you can earn 3 miles for every dollar spent on online flight and hotel transactions. Earn 2 miles for every dollar spent overseas and 1.2 miles for every dollar spent locally. The best thing about this is that your accumulated miles will never expire! Use it at your convenience.

3. ANZ TRAVEL VISA SIGNATURE CARD

ANZ Travel Visa Signature Credit Card’s minimum annual income eligibility for Singaporeans/PR is S$60, 000 while its S$90, 000 for Foreigners. With ANZ Travel Visa Signature, you may indulge on the complimentary access to airport limousine at departure or to airport lounges around the world. Earn 2.8 miles per S$1 spent on direct flight booking with Qantas and Jetstar airlines and 1.4 miles per S$1 for local spending. Aside from giving you rewards on air mileage, this card lets you convert your Travel$ to Cash Credit. The annual fee of S$200 is waived for a year.

2. CITI PREMIERMILES CARD

I cannot begin to enumerate the wide selection of rewards, Citi PremierMiles Card can gives to its faithful cardholders. You earn 2 Citi Miles for every dollar spent overseas and 1.2 Citi Miles for every dollar spent locally. These miles are redeemable in 70 airlines worldwide!

By signing on to S$193 fee a year (waived in the first year) and a minimum annual income of S$60, 000 for Singaporean, PR, and Foreigners, you are entitled to not just milage rewards but also dining and petrol deals. Enjoy up to 14% discount at Esso stations and 13.6% discount at Shell stations. Exclusive dining deals to Wooloomooloo Steakhouse, Yan Ting, LaBrezza, Tiffin Room, Long Bar Steakhouse, Bar & Billiard Room and more, are courtesy of Citi Gourmet Pleasures. What’s more? REceive 10, 000 Citi Miles upon annual membership renewal and round-trip ticket to Bali on Singapore Airlines with S$12, 500 (15, 000 miles) spending.

1. AMERICAN EXPRESS SINGAPORE AIRLINES KRISFLYER GOLD CREDIT CARD

With the lowest minimum annual income eligibility among these 4 cards…American Express Singapore Airlines KrisFlyer Gold Credit Card requires S$30, 000 annual income for Singaporean/PR and S$60, 000 for Foreigners. Enjoy 1 KrisFlyer mile for every S$1.60 spent. Earn 50% more KrisFlyer miles when you charge S$5, 000 or more to your card in a year and 50% additional KrisFlyer bonus miles for a minimum spend of S$12, 000 in a year. Not only is the first year waived but you also get a welcome bonus of KrisFlyer miles.

Worry not about the accumulation process since miles are credited directly to your KrisFlyer account.

Read Also: Best Credit Cards for Travel

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