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NERFED. TL;DR version

  • Writer: therichpoordad
    therichpoordad
  • Jul 1
  • 2 min read
The nerf season has become quite absurd in recent days. What exactly occurred? Here's a brief overview of the main nerfs without delving too deeply into the specifics:

Credit Card Nerfs:
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UOB Lady's Solitaire

Pre-nerf:
  • Max bonus miles given up to S$2k on 2 selected categories

Post-nerf:
  • Max bonus miles given up to S$1.5k instead of S$2k spend
  • Each of the 2 categories selected can only receive max bonus miles up to S$750 each

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UOB Visa Signature

Pre-nerf:
  • Bonus miles given with min S$1k up to S$2k on either foreign currency spend or petrol & contactless category

Post-nerf:
  • Bonus miles given for Foreign currency spend now min S$1k with max S$1.2k
  • Bonus miles given for Petrol & Contactless spend now min S$1k with max S$1.2k

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DBS Woman's World Card

Pre-nerf:
  • Max bonus miles given up to S$1.5k on online transaction

Post-nerf:
  • Max bonus miles given up to S$1k on online transaction

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Maybank Platinum Visa

Pre-nerf:
  • Get 3.33% rebate for S$2k spend monthly (includes CardUp)

Post-nerf:
  • Get 3.33% rebate for S$2k spend monthly BUT Specific transactions (like CardUp) are limited to 30% (i.e. S$600)
  • Remaining S$1400 spend need to be on "General" categories


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Chocolate Finance Credit Card

Pre-nerf:
  • 2 Max Miles per dollar up to S$2k spend (including Utilities & Insurance)

Post-nerf:
  • 1 Max Miles per dollar up to S$1k spend
  • Utilities & Insurance spend capped at S$100 monthly


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Amex Pay

Pre-nerf:
  • Use Amex Pay at hawkers to get Membership Rewards Points

Post-nerf:
  • Amex Pay will be discontinued

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HSBC Revolution Visa

Pre-BUFF:
  • Max bonus miles given up to S$1k on online transaction

Post-BUFF:
  • Max bonus miles given up to S$1.5k on online transaction + travel + contactless
  • Between 1 July to 31 October 2025


Savings Accounts NERFS:

Cashback:

  • HSBC EGA - drops cashback on GIRO payments from 1% to 0.5% (BIG OUCH)

"Realistic" Interest rate drops:

  • OCBC 360 - from 3.25% to 2.40% if you have 100k
  • UOB One - from 4.00% to 3.30% if you have 100k
  • UOB Stash - 3.00% to 2.05% if you have 100k
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The last few weeks have been quite challenging, and I'm definitely going to adjust my strategy. I will definitely start using my HSBC Revolution more often for the next 4 months. Keep an eye out for updates to my credit card cheatsheet soon!

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