My thoughts when I was first told about it, however it comes with a convenient app which makes management a breeze. It quickly became my main card. I'm not aware of the Tranferwise card but I'm sure there are similar products out there.
With no data roaming the transactions could only appear if connected to wifi so not much of the difference for the OP as he mentioned he was without roaming.bgd wrote: ↑Mon, 16 Dec 2019 3:03 amCheck out YouTrip. It's a Sg based card aimed at travelers which you top up via a phone app using CC or DC. In the OP's scenario loss is limited to the value on the card. All transactions appear instantly on an App so you see what you are spending when you spend it. Top up takes seconds so you can keep the stored value on the card low.
I heard about it from a pilot friend, air crew are big users. The only limitation I've found so far is I can't set it up as my Grab card. All my incidental spending is now via YouTrip and my CC is used just for top up or online purchases. And an added bonus, it can be used as an SMRT card.
And this $100 is not some generous gesture of DBS, this is the law.Limited to S$100 only if :
you have immediately notified us of the loss, theft or unauthorised disclosure;
you assist us in the recovery of the unauthorised charges incurred;
you furnish us with a police report accompanied by written confirmation of the loss, theft or unauthorised disclosure and any other information that we may require; and
we are satisfied that such loss, theft or unauthorised disclosure is not due to your negligence or default.
a) Prior to notification of credit card loss to card issuers, the maximum liability forcardholders due to unauthorised charges is $100 unless the cardholder has acted fraudulently, or has been grossly negligent, or has failed to inform the card issuers as soon as reasonably practicable after becoming aware that his or her card has been lost or stolen. Card issuers will investigate and may consider waiving at their discretion the $100 liability for unauthorised charges on a case by case basis. Interest charges and late fees will not be levied during the period when investigations are being carried out
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