FAQ

Are there any requirements to earn the additional cash rebate of 8% and 3%?
Simply spend a minimum amount of S$600 in a statement month. Total rebate is capped at S$60 per month.
Does all my spend contribute to the minimum spend requirement?
The minimum spend requirement does not include the following transactions:
  • Payment of funds to prepaid accounts
  • Installment payment plans
  • Balance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals and other financial charges
Are there any types of transactions that do not earn cash rebate?
The following transactions do not earn cash rebate:
  • Payment of funds to prepaid accounts
  • Installment payment plans
  • Balance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals, other financial charges
  • Donations
  • SMART$ merchants (with the exception of Cathay Cineplexes)

Donations and transactions at SMART$ merchants constitutes to your minimum spend requirement but no rebate will be earned.
When will the monthly cash rebate be credited to my Card Account?
Your monthly cash rebate earned will be credited to your Card Account in the next statement month.
How does the bank classify transactions into categories to earn cash rebate?
The bank identifies transactions and their categories via codes assigned by Visa. These are not decided by the bank but rather by the merchants and their acquiring banks.