Friday, August 21, 2015

Insight into the Standard Chartered TigerAir credit card program

If you're like me, you have probably been intrigued by Standard Chartered's (SC's) Tigerair Platinum Credit Card. You have may be considering getting one of these cards, but would like some insight into what's it all about. Here's my insights, based on my own experiences using the card.

You may be thinking one of these things:
  • Is the Tigerair credit card worth getting?  
  • Where can you fly with the Tigerair credit card program? How long does the e-voucher for a flight last for?
  • What are the plans you can choose with the Tigerair credit card?
  • Is there a default Tigerair credit card program?
  • How do I select or change my Rewards program? 
  • Besides free flights, do I get any other benefits with my Standard Chartered Tigerair Platinum Credit Card?
  • Do I get a sign–up gift?
  • How to check Tigerair Credit Card balance? Have I reached my minimum spending amount yet?

Applies to: Tigerair Platinum Credit Card, Singaporean residents

Is the Tigerair credit card worth getting? 
Yes, if you're can charge $5,000 to $8,000 worth of retail transactions over the course of 12 months in order to qualify to fulfil the spend requirement.

Where can you fly with the Tigerair credit card program? How long does the e-voucher for a flight last for?
The E-voucher is valid for 12 months from the date of issue and can be used to make a flight reservation for a one-way Tigerair flight, inclusive of taxes and charges, departing from Singapore to any one of the following 11 destinations – Bangkok, Hat Yai, Ho Chi Minh, Jakarta, Krabi, Kuala Lumpur, Kochi, Penang, Phuket, Surabaya and Yangon (collectively, "Destinations"). E-vouchers are for a specific flight fare class and are subject to availability. Flight reservations must be made via the Standard Chartered Tigerair credit card booking portal. 

What are the plans you can choose with the Tigerair credit card?
You can choose from either Upfront Rewards (UR) or Future Rewards (FR) plan.

The key differences between the two, is Upfront Rewards program gives you rewards automatically before you have reached the minimum spending requirement. The Future Rewards plan gives you rewards afterwards and at your own convenience, but the spending minimum is higher as you'll see below.

Upfront Rewards (UR) plan
You will receive 1 one–way ticket upfront when your principal card application is approved, and you commit to charge $5,000 to you card over the next 12 months.
Tigerair platinum upfront
From the SC website that state that "Simply charge $5,000 over the next 12 months on qualifying transactions to fulfil the spend requirement. If you select a recurring Upfront Rewards plan, you’ll continue to receive one one-way ticket upfront when your plan is successfully renewed. If you do not fulfill the spend requirement or terminate the plan before fulfilling the spend requirement, a $100 fee will be charged to your card".

Future Rewards (FR) plan
You will earn Rewards Points when you charge to your card. When you have earned and accumulated at least 8,000 Rewards Points, you may use it to redeem an e-voucher for 1 one–way ticket.

tigerair platinum future
From the SC website that state that "Redeem one one-way ticket with 360° Rewards Points earned on your card after you charge $8,000 on qualifying transactions".

Is there a default Tigerair credit card program? If you didn't choose a Rewards program, can I still get my free flight?
Yes, if you didn't choose any Rewards plan when you applied for the Tigerair card, you'll get automatically enrolled into the Future Rewards program plan.

From the SC website that state that "As you did not make any selection, you will, by default, be enrolled in the Future Rewards plan, which you can earn 1 Rewards Point for every $1 you spend. With your points, you can then redeem for an e–voucher".

How do I select or change my Rewards program? 
You can shift to a Upfront Rewards plan or Future Rewards plan by calling Standard Chartered's 24–hour Platinum Service Line on +65 6788 3133 or by visiting any of our branches.

Besides free flights, do I get any other benefits with my Standard Chartered Tigerair Platinum Credit Card?
Yes, you can enjoy the below exclusive suite of complimentary Tigerair benefits when booking flights with your card:
Tigerair platinum - advance seat selectionTigerair platinum - board me firstTigerair platinum - free upgradeTigerair platinum - early access to to hot fare deals
  • Standard seat selector: Any seat(s) in the standard rows with the exception of extra leg room seats and emergency exit row seats
  • Priority boarding service boardmefirst
  • Luggage Upsize™ from 20kg to 25kg
  • Membership to 'Stripes' by Tigerair: An exclusive programme that gives you access to the hottest Tigerair deals and discounts.
Do I get a sign–up gift with the Tigerair Credit Card?
From the SC website:
  • "If you signed up under the Upfront Rewards plan, you will receive a free one–way flight ticket outbound of Singapore to 11 destinations upon card approval".
  • "If you signed up under the Future Rewards plan, you will receive $50 CashBack when you charge a minimum of $500 to your card within 30 days of card approval".

What transactions are included in the Upfront Rewards (UR) Tigerair Credit Card program?
Retail transactions, which includes online transactions and insurance premiums. Please see Standard Chartered's response when I reached out to check with them.

Dear Mr. Tran,  

We have received and acknowledge your email dated 14th August 2014 with regards to your enquiry on Tiger airways platinum card eligible transaction.

Please be informed that online transactions and insurance premium charged to your card will be considered as retail transactions.

Please refer to below details on spending criteria or eligible retail transaction:

• Local & overseas transactions
• Fees paid to other organization (eg school fees for Tuition centre)
• 0% instalment monthly amount
• Easy Pay – original charge
• Online purchases
• Online bill payments (ad hoc via merchant’s website)

• Recurring payments or payments made to all billing organizations using SCB Online Banking platform
• All fees and charges (eg annual fees, late payment fees, interest charges, and/or finances charges)
• Balance/ Funds Transfer
• Cash Advance
• On-going Easy Pay monthly amount
• AXS or ATM transactions
• Any amount charged that is subsequently cancelled, voided, refunded or reversed
• Amounts which have been rolled over from the preceding months’ statements

For more information on our Tiger airways platinum card you may refer to link below:

We hope your request has been clarified.
Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us and have a pleasant day.

Thanks & Regards,
Mathiyalagan Naliah
Customer Care Consultant
Standard Chartered Bank (Singapore) Limited

What transactions will NOT count towards the UR spend requirement for the Upfront Rewards (UR) Tigerair Credit Card program?
The following transactions will not be taken into consideration when determining whether the UR Spend Requirement has been:

  1. cash advance,
  2. fees and charges (including but not limited to annual card fees, interest charges, cash advance fees, finance charges and/or late payment charges),
  3. any balance or funds transfer,
  4. any monthly instalment of an EasyPay transaction,
  5. any amount charged to your card that is subsequently cancelled, voided, refunded or reversed,
  6. recurring payments or payments made using Standard Chartered Online Banking;
  7. AXS or ATM transactions made using your card,
  8. any amounts which have been rolled over from the preceding months' statements
  9. any other charge, fee, transaction or payment as we may stipulate from time to time

How to check Tigerair Credit Card balance? Have I reached my minimum spending amount yet?
I reached out to the Standard Chartered helpdesk which kindly gave me this response to find out what my Tigerair Credit Card balance was. I inquired about this twice, so I got two types of responses. The first one is the most helpful, whereas the response from the second customer support representative was not very helpful. 

Dear Mr. Tran,

We have received and acknowledge your email dated 18th August 2015 with regards to your enquiry on the status of spending.

We truly apologize for any delay response and should this have caused any inconvenience to you.

According to our reference, we noticed that the spending requirement for your current cycle (from 04th January 2015 to 03rd January 2016) on your Tigerair Platinum Credit Card has been met.

Please refer to the below steps on how you can re-confirm via our Online Rewards Redemption Portal:
(a) Go to our official website at
(b) Click on “Online Rewards” then log-in
(c) If you are new user on this portal, you will need to perform registration
(d) Once the registration is successful, click on Log-In button.
(e) Insert your Internet Banking username and password, the click on “Login”
(f) Go to “My Rewards Account” on right hand column and click on “View Order Status”
(g) Look for product type named “eVoucher”
(h) Click on the corresponding voucher Order Number to view the e-voucher
(i) You will need to take note on e-vouchers serial number as this number is required when you would like to book a flight.
(j) Expiry Date for this e-voucher will generate on the webpage as well.

You may refer to below steps on how you can perform redemption once you have retrieved the e-Voucher number from our Online Rewards Redemption Portal:
(a) To access the link, you may either proceed to Tigerair’s Login Portal via
(b) Or proceed to Tiger Airways Singapore’s official website at
(c) click on the login button of Booking Portal (upper right hand of the homepage)
(d) For booking flights using the e-Voucher, Click on the 1st button “Redeem free flight with e-Voucher
(e) Choose between One-way and Round Trip
(f) Departing from will be defaulted to Singapore
(g) Arriving (destination) will only show the 11 e-Voucher destinations
(h) Then click on continue to proceed with the booking.

For more information on Tigerair Platinum Credit Card, you may refer to below link:

We hope that this has been of assistance.

Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us, and have a pleasant day.

Warm regards,

Client Care Centre
Standard Chartered Bank (Singapore) Limited

Should you have any feedback about our services or Client Care Associate who attended to you, please provide your valuable comments to us

We appreciate your time and every opportunity given to serve you.  

Thank you.

Tiger credit card
Dear Mr.Tran,

We have received and acknowledge your email dated 6th August 2015 with regards on your inquiry on the spending.

Please be advised that we are unable to advise you on your spending however we can send you the statements for you the calculate your spending from your end.

Please be informed that we will be able to raise the request to send to you the statements and there will be charges applied as per below:

- Current to 3 months = Free
- 3 months to 1 year = $10 per monthly statement
- 1 to 5 years = $20 per monthly statement

Due to security measurement please confirm if we can send you the statement to your email or address as below:

Awaiting your kind confirmation.

For further details on Tigerair Platinum credit card please refer to the link as per below:

For the latest update of our credit card promotions, you may visit our website provided by the link below:

We hope this clarifies your request.

Should you require further assistance or clarification, you may wish to contact us directly at our 24-hour customer service line at 1800 747 7000 or +65 6747 7000 if you are calling us from overseas.

Thank you for banking with us and have a pleasant day.

Best regards,

Client Care Associate
Client Care Centre
Standard Chartered Bank (Singapore) Limited


Sunday, August 16, 2015

To Cameron Highlands I go, heading to Cameron Highlands by bus from KL

I recently went to Cameron Highlands and loved it. It is an amazing place, one that I would love to visit again when I get the chance. I absolutely loved the cold weather and the hot tea and scones with nature around me.

Cameron Highlands, Malaysia

So this post details my recent journey from Kuala Lumpur, Malaysia to Cameron Highlands. With some basic details about it, to help those keen to explore the place as well.

Firstly though, what and where is Cameron Highlands?
Cameron Highlands is nice mountainous town in Malaysia. It has a colder and cooler climate than most of the peninsula and is a town where they often grow tea and various vegetables like tomatoes, and strawberries. You will find tea plantation farms and strawberry farms scattered across this mountain, in small towns such as Tanah Rata and Brinchang. Brinchang has night markets, but from what I understand (as I didn't get a chance to see it this time), it only has them on Fridays and Saturdays - and at times during Malaysian school holidays (makes sense!).

How to get there by bus
I journeyed there by bus, with a journey there varying from 4 to 5 hours, depending on traffic.

My total journey time from Kuala Lumpur (KL), Malaysia - 4 hours, 30 minutes from Pudu Sentral. Pudu Sentral is the Northern bus terminal for KL, in that buses that mainly depart from here head north of KL, to places such as Genting Highlands, Penang, Ipoh, etc. Total cost of the bus ticket if I recall was around 40-50 RM one way.

What to do when you're there
This is the fun part. There many nature based activities to do here. You can visit the Mossy Forest, strawberry farms, tea plantations and even BOH's tea factory (BOH tea is a local Malaysian brand of tea). There are full day tours, half day tours, mainly focused on weather you'd like a guide to drive and take you around the nature walks around the mountain.

Views of the BOH tea plantations

Views of the BOH tea plantation from the BOH tea factory. BOH tea cafe is seen in the right of this photo

BOH's Tea plantation, Cameron Highlands, Malaysia
Half day tour guide. In this photo, he is explaining the history of BOH tea

How to set up auto top up on your Nets Flashpay card

I like to try different services and functionality that available, so this is my experience and guide on how to set up your Nets Flashcard card to automatically top up credit.  That way you don't have to worry about it too much. 

Please note that these steps only apply to users of "Nets Flashpay" card.

This is service offered by Nets is also known as the "Auto Top-Up (ATU) by Credit/Debit Card" or "Auto Reload Nets Flashpay". It works in a similar way as the EZ-Reload (you can read my guide for that one here).

With Auto Top-Up, your FlashPay card will be automatically topped up with a preset amount ($30, $40 or $50) when there is insufficient stored value on the card to make payment for transit, ERP and car park charges.

Note - While I find the Nets Flashpay card as a great card to use and pay cashless - for products and services such as cabs/ taxis, food, shopping and other goodies. It is convenient, but only when there is sufficient funds available on the card. 

That is, while the auto top up is great (like the Ez-link auto top up), it will only auto reload on public transport/ transit, ERP and car park machines. Just like the Ez link card,  I have tested it a few times and it will not auto reload anywhere else (at this time of writing).

Ad from Nets on this auto top/ reload functionality (ad ran from Sep 2014)

Before I go through the process though, please just check that you have everything you need:
  1. Have the Nets Flashpay card  with you - Please just flip the card that you and have a look at the very bottom. It should have a CAN number and an Nets Flashpay symbol somewhere. You'll need this CAN number for later.
  2. Check that you have your NRIC/ FIN and personal details ready - NRIC is a National Registration Identity Card and for foreigners can be an Employment Pass (EP), etc.
  3. A valid email address/ mobile number - This is as the application status and collection slip number will be sent to you via email/ sms.
  4. Credit card or debit card handy - A credit card or debit card that you want to use for the auto top up. Supported Banks include: DBS/POSB, UOB, OCBC, Maybank
  5. Know how much Nets Auto Top Up-Reload amount you want - At the moment you have to go through whole process again (cancel and reapply) if you want to change this amount, so just think about whether you want to reload $30, $40, or $50 for each auto reload. I'd say to help keep track more easily and to factor in the small admin fee that costs $0.25 for each auto reload, the more the better, but this depends on your personal habits. If you often lose things, it may be worth not loading up too much at once or even using this auto reload option at all.

Steps to set up your Nets Flashpay card for auto reload
  1. Visit Net's webpage, (Right click to open link in a new window) 
  2. Click on sign up for and fill in the form,
  3. Wait for activation code to be sent to you via email/ sms - A 6-digit activation code will be typically sent to you via SMS or email 2 days upon successful registration. I received my activation code via sms. 
  4. Register your card with activation code - There are two ways to do this. Options are detailed below.

Option 1 - Visiting Transit Link office
  1. Visit a Transit office. Transit Link offices in Singapore locations are detailed on this website
  2. Pass your Nets Flashpay card and activation code to them - Show them your activation code and your Nets Flashpay and they will activate it on their system. It should only take a few minutes for it to be activated.
  3. Enjoy the auto top functionality on your card!
  • Note - The process above refers to activating this by visiting the Transit Link Ticket office, you can also try the app process (option 2 below) as well.

Screenshot of Nets Flashpay app from Nets

Option 2 - Activate using the Nets Flashpay app
Android Phone (with NFC) users can activate the FlashPay ATU service instantly on their phones after receiving their activation code without having to make a trip to the TransitLink Ticket office. Cardholders will receive the activation code two days after they have registered their card details on the app and the code is valid for 7 days for instant activation.

App requirements - 

  1. You'll need NFC on your phone for this to work
  2. You'll need an Android phone

Follow these steps to activate ATU via the FlashPay ReaderApp:
  1. Place FlashPay Card on the back of the phone with NFC turned on or launch the FlashPay Reader App
  2. On the home screen, select ‘Top-Up Service’
  3. Select “Auto Top-Up Activation”
  4. Enter the 6-digit ATU activation code
  5. Select “Activate
  6. Enjoy the auto top functionality on your card!

Related posts:

Monday, August 10, 2015

My experience upgrading from "Windows 10 Technical Preview" to "Windows 10"

This is an overview of the process I took to upgrade from "Windows 10 Technical Preview Beta" to the new "Windows 10".

This overview only applies for Windows 10 Technical Preview testers
This overview only applies to the beta testers that are part of Microsoft's Windows Insider program. If you were like me, when you heard the announcement that Windows 10 was made available globally, you have been looking to find a way to easily upgrade from "Windows 10 Technical Preview" to "Windows 10".

Now, I wasn't able to find a clean way to upgrade to Windows 10 - from the Windows 10 Technical Preview version. Not at this stage anyway. It may be something that Microsoft may release down the track, but not right now.

I had to reinstall my Windows 7 operating system and then upgrade to Windows 10 from there.

This is the steps I followed:

  1. Reinstall my Windows 7 operating system. 
  2. Registered for free upgrade to Windows 10 via Microsoft's website.
  3. Upgrade to Windows 10 manually using the Media Creation Tool

Tip 1 - if you're missing your Windows 7 Installation CD - Download it again from Microsoft's website. You will need your CD key to download it

Tip 2 - if you're looking for your Windows 7 CD key as you have misplaced it, try this free KeyFinder program (please read the steps in the installation process carefully - to help, I also have written a brief guide with screenshots and details).

If you're wondering, I did try some other ways to install Windows 10, but it was to no avail. You may have some luck with it, as things change and also, one solution does not necessarily work for us all.

Downloaded the Upgrade Adviser
I tried downloading the upgrade adviser, but it only let me upgrade from Windows 7 or Windows 8 only. I did find some guidance online, but it required some coding which I didn't want to do - since I wanted to ensure I had a clean and complete install.

Download the Windows 10 ISO file
The other way is to get Windows 10 is download the Windows 10 ISO file.

Hoping you'll be able to enjoy the new Windows 10 - it's refreshing change!

Other useful guides:

Sunday, August 2, 2015

How to find the CD key for the Windows you are using now (no coding required)

If you are like me and have placed your CD key for your Windows somewhere and do not have it on you. Then you might be wondering how to find your CD key for your Windows computer?

Well, after doing some internet searching, I found a good free program that you can use. It's called "KeyFinder" by Magical Jelly Bean.

You can download a free version of this software

I have tested it and it works on Windows 7 and Windows 10 computers and works as described. In that it helps me to find my CD key for my Windows computer.

This is great if you are too lazy or can't find your Windows 7 CD key or lift your laptop to find it pasted there. No coding to find your CD key required.

Just be sure to read the options in the installation steps very carefully. As there is a freeware offer in the installation steps that I know I did not want installed. So keep that in mind and read the steps carefully.

Here's some screenshots to assist you as well, so you know what to expect.

Page 1 - KeyFinder Setup Initial page

Select "I accept the agreement" and click "Next"

Click "Next " if you are happy with the location to install the program. Normally the default location is okay. 

Tick any of the options here depending on your preferences. Then click "Next". I just leave this unclicked as I don't need to use this software everyday. 

LOOK CAREFULLY HERE - I suggest selecting "Custom Install" and leaving this unticked so you don't install Wander Burst, unless you like ads...

Click "Install" when you are happy and ready

The software program will run and you will see your CD Key for your current Windows.
Happy CD key finding!

PS - I do not work for Magical Jelly Bean. Rather, I just stumbled across this useful app and would like to share it with you! ;)

Other useful guides: