Can I make a dispute over a transaction if I am not satisfied with the quality of the product/service provided by the merchant?

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.

Generally speaking, I find this card to be pretty good card as quite a number of the merchants that they partner with for the promotions are those whom I visit frequently to earn a decent cash rebate from my purchases and overall spending. And not until recently did I realize that one can get to earn additional bonus cashback with minimum spending of $888 in the statement month, so therefore with proper planning on all your bigger purchase it can help you gain more cash rebates faster.

Best card ever! I have been using their Citibank Credit Cards since 8 years ago. They are probably the pioneers of cashback cards in Singapore essentially changing from their Dividend card to Cashback card. I would like to point out that with this card you can get cash back by charging to the card and also get rebates or discounts for Lazada purchases and Petrol station top up too.

This card has not been pleasant for me, as a matter of fact I am having regrets about it. The card charges me interest every month despite me ensuring to pay up the full figure. I am left to assume that maybe these monthly interest were incurred due to lead-time of requesting them to rectify the previous error. Whatever the reasons may be, I just know that I am not happy with this card presently.

Even as all forms of customer service is done online one would expect that they would make the online customer service seamless however bad customer service is making it difficult for me to commute when problems arises. I even went further to send emails through my account asking them to return my call back, but received none till date save for tons of calls from their marketing department promoting their loans and other services

In respect to the cashback, I was informed that we need to accumulate 50 points before we can redeem it out. This prompted me to be using the card very frequent, but still the percentage of cashback was so low that I only succeeded in reaching 30 points. I have to say this is not a good system and there are better cashback cards out there.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

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.

I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.