|Highlights||Credit Card Feature|
|Things We Like||Up to 6% rebate at your favourite Japanese merchants|
|Our Least Favourite||Cap on cash rebate|
|Our Verdict||Great card for earning extra SMART$|
If you travel to Japan often or are a fan of Japanese goods, you will probably be interested in UOB JCB Platinum Card. This credit card gives you rebates at Isetan, Meidi-Ya, Tokyu Hands, UNIQLO, Ichiban Boshi, Ichiban Sushi, Kuriya Dining, Kuriya Japanese Market and Sushi Tei. You also earn rebates at major departmental stores in Singapore. When you travel to Japan, you will enjoy perks like free city tours, dining and shopping offers.
It may already sound like the right card to help you save money on your shopping and other expenses. But before you apply for UOB JCB Platinum Card, take the time to read this review for the full details of the pros and cons of this card.
|Credit Card||Features||Intro Interest p.a.||Standard Interest p.a.||Annual Fee||Minimum Income||We least like||Related links|
UOB JCB Platinum Card
|25% p.a.||$64.20 yearly (first year card fee waiver)||S$30,000 p.a (Singaporeans, Singapore PRs, Japanese), S40,000 (Other foreigners)||Related Links Read our review of UOB JCB Platinum Card or view more details of UOB JCB Platinum Card. See more UOB credit cards.|
Things We Like About UOB JCB Platinum Card
Earn extra SMART$. You will earn double SMART$ when you make purchases at SMART$ merchants and use this JCB card to pay. UOB's SMART$ programme is a rewards programme that lets you earn up to 10% rebates at over 400 participating outlets, such as City Tours, Capitol Optical, Crocodile, Metro, Wan Yang, Ogawa, EpiCentre, Hard Rock Café, Pasarbella, and Cathay Cineplexes.
Enjoy 6% cash rebate at Isetan, Meidi-Ya, Tokyu Hands, UNIQLO and other Japanese merchants. If you like Japanese goods, this is a benefit that you will definitely enjoy. When you use this card to buy your clothes, food or other things at Isetan, Meidi-Ya, Tokyu Hands, UNIQLO, Ichiban Boshi, Ichiban Sushi, Kuriya Dining, Kuriya Japanese Market and Sushi Tei merchants in Singapore, you will enjoy 6% rebate on your purchases. There is a $300 minimum spend per calendar month to earn the 6% rebate or get 3% rebate with no minimum spend.
Earn 0.3% cash rebate on all other spending. When you use this card to make other purchases, be it a cup of coffee, a toy for your baby, groceries for your family, petrol, or any other purchase, you will earn 0.3% cash rebate. Keep in mind some of the card transactions will not be eligible for cash rebate. These non-eligible transactions include cash advances, balance transfers, instalment payment plans, interest-free loans, SmartPay, SMART$ transactions or any other fees and finance charges.
Get exclusive travel privileges. You can get discounts off your trip, air fares, and save on your overseas spending. If you travel to Japan often, this card can help you get more out of your visits. Some of the popular privileges include:
- Discounts off limousine services at Japan's Narita and Kansai International Airport.
- Discount off purchases at TAKEYA Japan.
- Complimentary access to more than 200,000 Wi-Fi hotspots across Japan.
- Enjoy exclusive offers around the world. With this card, you will enjoy JCB Platinum exclusive offers in many countries, including the US, Italy, France, China, South Korea, Hong Kong, Taiwan and many other popular destinations.
- Complimentary Access to JCB Plaza Lounge. You will enjoy free access to JCB Plaza Lounges at many airports around the world. These lounges provide you with free massage chairs, newspapers, internet access and many other amenities and services.
- Enjoy JCB travel assistance. You will get assistance from JCB Overseas Travel Services with all your travel arrangements. The hotline service is toll-free and available 24/7. Besides Japanese, they also provide the service in English, Chinese and Korean.
First-year annual fee waiver. The annual fee is S$64.20 annual fee, waived 1 year. And $64.20 is quite low compared with many other credit cards. The first supplementary card is also free for life!
Only $30,000 annual income required. You can apply for this card if you make $30,000 or more each year. Good news for foreigners! As long as you make $40,000 or more a year, you can apply for this card too. Many other credit cards require a minimum annual income of $60,000 for foreigners.
Here's some good news for Japanese expats: If you are a Japanese national living in Singapore and make just $30,000 or more each year, you are eligible to apply for this card.
Our Least Favourite Things About UOB JCB Platinum Card
There's a cap on cash rebate. The maximum cash rebate you can earn, including the cash rebates you earn at the Japanese chains, cash rebates at departmental stores and on other spending, is capped at $50 per month.
UOB JCB Platinum Card will obviously have an immediate appeal if you shop at participating Japanese stores or travel to Japan frequently on business or holidays. But the real wow factor of this card is that it lets you earn double SMART$ at locations that participate in the SMART$ programme. That makes this one of the best cards in Singapore for earning SMART$ fast. On top of that, you earn 0.3% cash rebate on your other card spending.
So even if you don't spend at Isetan, Meidi-Ya, Tokyu Hands, UNIQLO, Ichiban Boshi, Ichiban Sushi, Kuriya Dining, Kuriya Japanese Market or Sushi Tei to take advantage of the 0.3% rebate, you can still get good rewards for your local shopping.
You also get complimentary access to JCB Plaza Lounges at airports around the world, not just in Japan. If you do travel to Japan, you can enjoy a whole slew of privileges, including special rates for tours in Japan and travel assistance though a dedicated hotline. JCB is also widely accepted in Japan, so you won't have much difficulty using your card to pay.
If you want to earn rebates at popular stores throughout Singapore, but prefer a general rewards credit card instead of JCB, then Citi Rewards Card may be a good alternative. It lets you earn 10 points per $1 spent on shopping and all your online purchases (except travel-related purchases) and you also can get up to 10% Citi Rebate at over 300 locations, including Starbucks, Burger King, Sheng Siong Supermarket, Shell stations and many others.