Saving up/Spending and get the maximum out of it
1. Earn Points while you spend When spending is required, get the best out of it. Unless you are buying something that does not allow the use of Visa, else you can look at UOB debit/credit cards. For students Don't worry about having to open a saving account with a balance of $500. With UOB, you can apply their UOB campus card with a minimum of $100. (What I do not know is whether do you have to maintain the $100 but you can always asked them to verify these details). It is a Visa debit card (that means you will have to have the $ inside your account before you can do your shopping). where can earn points, where you can redeem the point for vouchers and their redemption categories and items UOB Visa Campus Debit Card Pros: Minimum of $100 deposit Earn points while you spend and redeem vouchers Cons: Sufficient funds to be in your account when you make payment 2. Getting higher interest even with normal savings account As you know, most Savings account are offering 0.25% per annum i...