If I already have a monthly GIRO arrangement with IRAS, is there any point signing up for a payment facility with my HSBC Visa Infinite Credit Card?

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

I find this card to be a good miles-buying opportunity for 40,000 miles at S$488 for HSBC Premier Clients. The unlimited priority pass for both the principal and supplementary cardholder(s) makes this card worth the fee alone but provided of course that there are supplementary cardholders to share the benefits with and that it will be heavily utilized.

On my last overseas trip I discovered that the departure airport limo service offered by the card is a major plus point while the meet-and-assist can be helpful at overly crowded airports without Fast-Track/ABTC/Diplomatic lines. HSBC Premier Clients get to receive four of each benefit upon registration and an additional one of each service for every block of SGD 2,000 spent in a month, all up to 24 a year. Although the services can only be utilized by the principal cardholder only. This card is overshadowed by its poor mile earn rate of 1.0 mpd for local spend and 2.0 mpd for overseas spend, that is superseded by non-fee cards such as the PrviMiles.

To me the HSBC cards have only one good benefit in which they are able to purchase discounted Golden Village movie tickets at a rate that is far better than any other bank's credit cards or prevailing rebates. I find that this is the only plus point of this HSBC credit card and otherwise, this card is a hit and run for me and you can sign up for only its sign up gift and also for discounted Golden Village tickets.

This card offers the most of travel and lifestyle privileges extended to you with personalised assistance from their dedicated concierge service, who can actually be called upon anytime of the day and from wherever one may be. Whether it's making flight or hotel bookings, reserving spa appointments, or recommending dining options, they are always delighted to be at your service.

My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.