Best Cash Rebate Credit Card in Singapore for Frequent Travellers

Heartland Boy recently took a leap of faith to accept a job assignment in the chaotic streets that is Jakarta.

As a recently married and henpecked husband, he agreed voluntarily to fly back to Singapore on weekends so as to spend time with his lovely wife, Ms Heartland Girl. Heartland Boy does not have the luxury of having his company fund his weekly trips home; so minimizing his airfares were a huge priority for him. Therefore, Heartland Boy set out to look for the best cash rebate credit card for frequent travellers, instead of the typical credit cards that issue air flyer miles.

ANZ Optimum Mastercard

After comparing across various credit cards in the market, the ANZ Optimum World MasterCard Credit Card is the best cash rebate credit card for frequent travellers due to its headline grabbing 5% cash rebate. In this programme, the cash rebates are awarded in the form of Optimum dollars but essentially, they are effectively as good as cash. Therefore, for simplicity, Heartland Boy shall address Optimum dollars as cash rebates in this article.

Source: https://sg.anz.com/apps/optimum/

HOW ANZ OPTIMUM WORLD MASTERCARD CREDIT CARD WORKS

  • Select 1 out of these 4 categories. [Dining&Leisure, Travel, Shopping, Groceries]

ANZ Optimum Mastercard categories

Table 1: Definitions of the categories under the ANZ Optimum World MasterCard Credit Card

  • The selected category, otherwise known as a core category, will earn 5% cash rebate, while the remaining 3 categories (non-core categories) will earn 1% rebate.
  • The cash rebate is calculated based on every multiple of S$10 where the transaction amount will first be rounded down to the nearest S$10. The table below illustrates the different type of transactions and the cash rebates applicable.

ANZ Optimum Dollar IllustrationTable 2: Cash rebates applicable on the ANZ Optimum World MasterCard Credit Card

  • The cash rebates will accumulate daily and eventually be rounded down to the nearest dollar on your monthly statement. Therefore, assuming that those were the only 2 transactions for the entire month, the ANZ Optimum World MasterCard Credit Card holder will earn a total of S$11 cash rebate for that particular month.
  • Once you have accumulated a minimum of $50 in cash rebates, you can choose to “redeem” the cash rebate to offset the cost of your future transactions. Redemption of cash rebates are in multiples of S$50.

What Heartland Boy likes about ANZ Optimum World MasterCard Credit Card

  • With a cash rebate of 5%, it is easily the best cash rebate credit card for frequent travellers.
  • No minimum spend is required on the ANZ Optimum World MasterCard Credit Card to earn the cash rebate. Therefore, even if you charge S$20 for your core category on the ANZ Optimum World MasterCard Credit Card, you already earn S$1 cash rebate for the month.
  • There is no limit to the amount of cash rebate you can earn in a single month.
  • Cash rebate earned have a long validity period of 3 years.

Tips on optimizing the ANZ Optimum World MasterCard Credit Card (pun intended)

  • As card holders are allowed to change their core categories every quarter, you may want to switch category in anticipation of some big ticket expenditure. For instance, if you are booking year-end holidays for the family, it will be good to switch to “Travel” category to earn the maximum 5% cash rebate. After completing this big ticket expenditure, card holders can still switch back to their original core category in the next quarter.
  • Note that the maximum amount of cash rebate awarded per transaction is S$30. This translates to S$600 and S$3000 per transaction for your core and non-core categories respectively. If your transaction exceed the quantum, you may want to break up your transaction into separate receipts and payments to qualify for more cash rebates.
  • ANZ is having a credit card promotion now whereby new-to-bank customers who apply for the ANZ Optimum World MasterCard Credit Card and have their credit cards approved by 15 March 2016 and spend at least S$488 on their Credit Card will earn a cash rebate of S$100! Readers who are eligible should take advantage of this credit card promotion!

In reality, the ANZ Optimum World MasterCard Credit Card is a fantastic credit card as long as one is a “heavy” user of any of the four categories. For instance, a parent with a large family may find the 5% cash rebate on groceries very useful. Heartland Boy also thinks that readers can be creative and utilise a suite of credit cards to leverage on their respective strengths. For instance, Heartland Boy uses the ANZ Optimum World MasterCard Credit Card to book air tickets and the OCBC 365 Credit Card to pay for bills at restaurants.

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Top Travel Agencies In Singapore That You Can Trust

Although more and more people are booking their itinerary by themselves, there is still a substantial amount of Singaporeans who firmly believes in services provided by the travel agencies.

If you want to discover new amazing destinations in a cost and time efficient manner, simply pick up the phone and contact these top travel agencies:

1. DYNASTY TRAVEL

Kicking off this list is a travel agency that understands the modern generation. It is none other than the Dynasty Travel. Dynasty Travel continuously improves its service in order to serve their clients better. In fact, its comprehensive website is supplemented with a free smartphone app. Imagine how convenient it is to book a tour with a few taps of a finger!

This well-recognized travel agency boasts with various awards such as Singapore Service Excellence Medallion 2015, Singapore Service Class 2015, TTG Travel Award’s Best Travel Agency Singapore 2014, and Enterprise 50 2013. It was even awarded outside of Singapore as it received the “Top Agent” award from the Hong Kong Tourism Board.

Dynasty Travel provides a myriad of services including Free & Easy Tours, MICE Tours (Meetings, Incentives, Conventions and Exhibitions), Group Tours, and Customized Tours. Speaking of Group Tours…there is an going sale to Macao!

Visit this link to know more.

IMPORTANT INFORMATION

Location: 35 New Bridge Road, Dynasty Travel Hub, Singapore 059395
Contact: (65) 6338 4455
Website: dynastytravel.com.sg

Price Comparison: 7D6N Enchanting Korea + Jeju Island Tour starts from S$2083.

2. SA TOURS

Do you want peacefully plan an all-inclusive vacation for your family? Or, do you need to arrange a corporate package for your entire company? All these concerns can be resolved by SA Tours.

SA Tours has an appealing reputation of providing competent travel services to both the individuals and the organizations. They are best known for their reasonably priced “long-haul” tours, which can last for more than 10 days! It is one of the largest tour operators in the country.

https://www.facebook.com/SATours.SG

Image Credits: facebook.com/SATours.SG

It offers different services such as Group Tours, Free & Easy Tours, China Tours, and Customized Tours. You are sure to find a touring package which suits your needs!

Moreover, it is a good idea to consider SA Tours if you are planning to tour in Europe. Group packages to Europe lasts from 8 to 14 days. In this period, you will be delighted by their sincere staff and their highly knowledgeable tour leaders.

IMPORTANT INFORMATION

Location: 1 Park Road, #04-62 People’s Park Complex, Singapore 059108
Contact: (65) 6535 2611
Website: satours.com

Price Comparison: 8D Korea Discovery + Jeju starts from S$1568.

3. HONG THAI TRAVEL

Hong Thai’s longstanding history and strong experience spans more than 30 years. Said potent experience includes assisting government agencies, schools, community centers, corporations, and individuals. It is affiliated with the renowned Hong Thai Travel in Hong Kong. Other supporting branches are scattered across China, Macao, and Hong Kong.

Hong Thai takes pride in its entertaining tour itineraries, pleasing hotels, and helpful tour leaders. Its sought-after “8D All in Korea Deluxe” package had been awarded as one of the eight “Best Korea Tour Programmes in the World” by Korea Tourism Organisation.

Image Credits: facebook.com/HongThaiTravelSingapore

Image Credits: facebook.com/HongThaiTravelSingapore

What are you waiting? Browse thru the exciting tours offered at hongthai.com.sg.

IMPORTANT INFORMATION

Location: 1 Park Road, #02-121 People’s Park Complex, Singapore 059108
Contact: (65) 6533 1788
Website: hongthai.com.sg

Price Comparison: 8D All-In Korea Deluxe starts from S$1199.

Image Credits: pixabay.com

Image Credits: pixabay.com

Enjoy your travel! 🙂

Source: Best Singapore

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Sensible Ways To Save Money When Traveling With A Group

A few months from now, I will be traveling to Bangkok with my beloved friends. I am oozing with excitement as I have never been to this place before nor have I traveled with this group of people. Much like most Singaporeans, I long to explore their indisputable shopping scene! This is why I must employ some strategies to save as much money as I can while traveling.

For this type of trip, you can save money as a group by:

1. CONDUCTING PRIOR RESEARCH

Choosing an affordable destination that is suited to your travel budget is the first step. In our case, we chose Bangkok. If you have a considerable amount of money then, you can go to Europe rather than limiting yourself to Southeast Asian countries.

Image Credits: pixabay.com

Image Credits: pixabay.com

After choosing a destination, research on the possible accommodations, activities, transportation modes, and so on. One of the largest discounts come from availing the group rates for all the said expenses. If you are going to a museum, do not be afraid to ask about the group rate. Same rules apply for booking a flight or a hotel.

2. COOKING YOUR OWN FOOD

There is a greater chance that the breakfast from the hotel is expensive. It is better to walk out the door and find a nice local cafe in the mornings. Take some squad #foodporn photos while you are at it! Remember that locally made food and beverage are often cheaper.

Image Credits: pixabay.com

Image Credits: pixabay.com

Alternatively, you and your friends can cook on several days. Cooking in a new environment can be entertaining especially when you are around with the people you adore!

3. CARPOOLING TOGETHER

Renting a car when traveling alone cannot fully maximize the capacity of your vehicle and your budget. On the flip-side, you can save more money when traveling with others by splitting the car rental costs and by filling all the seats.
4. COMMUNICATING WITH THE LOCALS

Along with your friends, consider talking to the locals to know more about the best places that you can visit. Be honest about whether you are aiming for a lavish or a budget-friendly spot. Some may even offer to let you lodge at their homes.

Image Credits: pixabay.com

Image Credits: pixabay.com

5. CLAIM THE REWARDS

A credit card is utilized at the point of sale as means of paying for services or goods. Credit cards come in different looks and sizes, much like assorted chocolates. What’s more? They vary in the rewards they entail. The card that you shall focus on now is the one that offers you travel miles.

Image Credits: pixabay.com

Image Credits: pixabay.com

Gather up as many miles as you can get by  offering to pay for your friends and later reimbursing it with cash. This may help you enjoy a free trip on your next vacation. To put your “power” into good use, utilize your rewards wisely.

Sources: 1 & 2

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KAYAK.sg reveals the top 5 night markets in Asia for Singaporean foodies

The travel search engine KAYAK.sg has identified the best night markets that Singaporeans should discover in Asia and the best travelling days for maximum savings

  • Singaporean travellers can save up to 55% on a round-trip flight to Phnom Penh when flying on Monday and returning Saturday
  • The cheapest return flight is from Singapore to Kuala Lumpur with an average price of S$76
  • When booking a return flight for a trip to Ho Chi Minh city travellers can save up to 33% flying on Wednesday and returning Friday

Singaporean foodies can never get enough of good food and are always on the hunt for the best local gastronomic experiences. KAYAK.sg reveals which destinations have the best local food at the most wallet-friendly prices, as well as which travel daysafford the best flight deals. Knowing which days are the best to fly on when booking a return trip allows Singaporean travellers to better plan their trip, while spending less on their flights and more on local delicacies in Asia’s best night markets.

Debby Soo, KAYAK Vice President APAC said “Tasting local food is a highlight on every traveller’s itinerary. To avoid disappointment, travellers should make sure to check the opening hours of night markets as they are not all open daily. Also, Singaporean holidaymakers should come prepared with sufficient loose change as the vendors only accept cash payment.”night_markets-v1-01

Top5

 

Kuala Lumpur, Malaysia: Jalan Alor Food Street

@Kheng Guan Toh/Shutterstock.com

@Kheng Guan Toh/Shutterstock.com

Jalan Alor is the best local tip when it comes to night markets in Malaysia. Expect to find a smorgasbord of street food; ranging from local Malay and Chinese food to international cuisine and exotic snacks; it is the perfect place for those who want to try all of the famous, local dishes. The famous food street is open until late to cater to party-goers around the area. Everything is on offer, including barbequed chicken wings, grilled seafood, tofu bakar and belacan fried rice. The street market is open every day from 5pm till late. Travellers should note that some of the street’s restaurants have very specific opening times and are not open every day or at all hours, thus they should be sure to check the opening times before visiting them. To get better flight deals, Singaporean foodies are encouraged to travel to Kuala Lumpur on a Sunday and stay until a Tuesday, when the average price for a return trip amounts to S$83, saving travellers an average of 29% when compared to a Saturday to Sunday getaway. If travellers are making frequent trips to Jalan Alor to satisfy their cravings, they should consider their stay at Parkroyal Kuala Lumpur – a 10 minute walk away from the food street.

Address: Bukit Bintang, 50200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur, Malaysia

Ho Chi Minh, Vietnam: Ky Hoa Night Market

@jreika/Shutterstock.com

@jreika/Shutterstock.com

Adventurous travellers can slip away from the French cafes and tourist heavy spots in District 1 and hop over to District 10 to explore Ky Hoa Night market which offers a wide range of local food. Among the most popular local delicacies, Singaporean foodies can try Vietnamese Com Tam (broken-rice) with grilled pork, bot chien (fried rice flour cake with egg), bun thit nuong (cold rice vermicelli) as well as exotic delicacies including fried insects and arachnids. Travellers should head to Ho Chi Minh City on a Wednesday and return on a Friday, when a return flight costs an average of S$151, saving up to 33% when compared to booking a flight leaving on a Sunday returning Monday. Luckily for Singaporeans, the market is open daily from 5pm to midnight; however, to make the most of it, travellers may consider staying in one of the top 5-star hotels nearby, such as the Windsor Plaza Hotel, and extending their taste-testing spree by couple of days.

Address: Thong Nhat Stadium, 138 Dao Duy Tu, Thanh Binh, Vietnam

Phnom Penh, Cambodia: Psar Reatrey

Phongthon Preuksrirat/Shutterstock.com

Phongthon Preuksrirat/Shutterstock.com

Phnom Penh’s only formal night market, Psar Reatrey, overlooks the riverside from the central reservation that separates downtown and northern Phnom Penh. Singaporeans can enjoy live local pop music as they stroll through this less-crowded and less touristy Cambodian night market. Travellers should make sure to taste some specialties from the local cuisine, including Fish Amok (Cambodian style steamed fish), Kuy Teav (noodle soup), and Prahok (crushed and salted mud fish in banana leaves). Holidaymakers searching for novelties should take a seat at the back of the market and try fried cockroaches and salted grasshoppers. Singaporean travellers who want to save up to 55% should leave on a Monday and return on a Saturday when an average price of a return flight amounts to S$208. Moreover, it is perfect timing as the market is open on Fridays, Saturdays and Sundays from 5pm till midnight. Those who want to extend their stay in the capital and spend more time enjoying the local delicacies may want to consider checking into a 4-star hotel e.g the Sunway Hotel Phnom Penh, located within easy walking distance from the market.

Address: Street 1 (Preah Sisowath Quay) in Wat Phnom Commune, Daun Penh District

Bangkok, Thailand: Rod Fai Market 2

@Kidsada Manchinda/Shutterstock.com

@Kidsada Manchinda/Shutterstock.com

A sea of colourful tents, near the Thailand Cultural Centre, at the BTS station, house row upon row of street food vendors offering travellers everything from stir fried pad thai to barbequed fish and the perennial favourite, mango sticky rice. After eating or when taking a break from it, Singaporeans should head up to the second-story bars, which provide a bird’s eye view of the market below, and enjoy some live music The best days to stay in Bangkok are Monday to Friday, when the average return flight price is around S$173. Also, Singaporean holidaymakers can save up to 27% when booking their flights for these days compared to other booking combinations. For Singaporeans taking advantage of this great deal, take note that the market is only open Thursday to Sunday so book a hotel like the Grand Mercure Bangkok Fortune, just a stone’s throw away from the market, to really make the most of your market dining experience.

Address: Ratcadaphisek Road (close to Esplanade Shopping Mall)

Taipei, Taiwan: Shi-Da Night Market

@Johnson76/Shutterstock.com

@Johnson76/Shutterstock.com

Located in one of the city’s trendiest neighbourhoods and near several universities, Shi-Da has a young and vibrant atmosphere. The market can be found along Longquan Street, which runs parallel to ShiDa Road. Apart from tasting such local delicacies as stinky tofu, black pepper buns and grilled squid, Singaporeans should definitely make time to explore the stalls set up by local fashion designers. Travellers can save up to 16% when flying out a Sunday and back on a Tuesday, with an average price of S$337 when compared to holidaying from Tuesday till Sunday. The market is open from 6pm to 11.30pm daily; however, with so much to see and taste Singaporean travellers, wanting to make the most of their time in Taipei may want to consider somewhere like the Rido Hotel, which is a short stroll away from the market.

Address: Lane 39, Shida Rd, Da’an District, Taipei City


 

Note:

Data analysis is based on flight searches made on KAYAK.sg from June 2015 until June 2016 for travelling dates between June and December 2016. Average prices are quoted in Singapore dollars and based on a return economy flight for one person. All prices quoted may be subject to change and may no longer be available. Hotels are recommended based on short travel distance from the night markets or food streets, rated at least 4 stars. Searches are made on 18 June 2016 for 1 night stay and 2 guests from 27 June to 25 July 2016.

 

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Incredibly Free Things That You Can Get At Hotels

Whether you are a frugal Fred who wants to get your money’s worth or a forgetful Bessy who left some of your travel necessities at home, here are some hotel freebies that are both money-saving and useful:

1. BATH ESSENTIALS

Let us start with the obvious freebies that guests typically take home – the bath essentials. Although you packed a sufficient supply of bath essentials, it does not hurt to pack a little more for future use. Keeping the shampoo and conditioner bottles as well as the soaps can save you a decent amount of cash.

If you have sensitive skin and experience adverse effects with the hotel soap, use it for other purposes. Keep the bar of soap and use it as a freshener for your drawers or shoes at home. Or, you may use it to clean your cosmetic sponges.

2. NEWSPAPERS AND MAGAZINES

The array of newspapers and magazines left at your room are not only free but also helpful. Firstly, you can use the valuable coupons inside to pay less in shopping for groceries, tickets, and more. Secondly, you can use these publications in the event that your child needs to cut pictures for his or her school projects. Lastly, you can use these publications as decorations to your dull office.

3. CURLING AND STRAIGHTENING IRONS

To all my fellow beautiful women out there who want to look their best but forgot to bring their trusty curling or straightening irons to the hotel, worry not! Many major hotels (i.e., large hotel chains such as Hyatt) offer loans for these hair styling items. Simply approach the front desk and ask politely for what you need.

4. SEWING KIT

Tailoring or sewing services in Singapore can range from S$5-40 depending on the type of clothing article. Some of the prices are too much if you asked me! You might as well buy a new one. Good thing there is a better and quicker option – altering clothes by yourself. But, how can you alter your clothing while on vacation?

Say you broke the straps of your backpack. Having a sewing kit can solve this problem right away. Thankfully, your Trump Hotel room has complementary sewing kits. Like Trump Hotel, many major hotels have free sewing kits on-hand. Remember to bring those kits before you checkout!

5. DENTAL CARE

The worst thing that I can forget while on a vacation is my own toothbrush. Unlike the couples who are comfortable with sharing one toothbrush, I will never use someone else’s! This is why I am very grateful that hotels provide basic dental care products such as toothbrush, toothpaste, mouthwash, and floss.

Image Credits: pixabay.com

Image Credits: pixabay.com

Minty fresh breath does not always come in cheap packages! In fact, a bottle of mouthwash can cost you about S$4-14. Hence, I suggest that you pack that free mouthwash with you.
Sources:  1 & 2

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