大叔想講渣打銀行張Simply Cash信用卡其實可以當一張懶人卡用,因為絕大部分簽帳都有1.5%回贈,包括以下2樣。
Payme增值
用Simply Cash增值Payme的話都會有1.5%回贈,但每個月增值上限是$1000。大叔先將Simply Cash信用卡連結至Payme,然後每個月做一次$1000增值,就會有$15回贈($1000 x 1.5%)。
雖然回贈金額不多,但既然Payme定時都要做增值,沒有理由不要這$15回贈。
2024年 7月 20日
官方摘要:PayMe宣佈將於2024年8月19日起,向非滙豐信用卡增值的用戶收取1.2%的手續費。直至2024年底,使用非滙豐信用卡增值的用戶,只要在任何接受PayMe付款的商店消費滿$30或以上,即可獲得手續費回贈。
大叔對策:暫時不變,原本每個月增值$1000回贈$15,新規例下手續費是$12。大叔每個月會用Payme消費一次去對沖手續費,基本上不是問題。
八達通增值
另外,如果八達通有開通信用卡自動增值,用Simply Cash信用卡一樣有1.5%回贈。大叔的八達通每個月大約$500車費 + $2500食飯買野,所以會有$3000 x 1.5% = $45回贈。
以上2樣加埋每個月就會有60元回贈,雖然這個未必是最多回贈的方法,但大叔覺得做了一次設定後,往後就不需再操心左計右計,省回一定時間成本。加埋張渣打Smart Card既回贈,唔覺唔覺回贈都差不多夠買一部Kobo電子閱讀器了。
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