[Membership Card] Palate

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Update! (22 January 2016): New merchants added!

Yesterday, I have covered the FAR CARD Classic which is a good dining benefit membership. Here’s another 1: Palate.

Palate

Discount tiers are slightly different from the FAR CARD.

 Palate the FAR CARD Classic
  • Single adult: 15% Discount
  • Two adults: 50% Discount
  • Three adults: 35% Discount
  • Four adults: 25% Discount
  • Five or more adults (Up to 20.): 20% Discount
  • Beverages: 15% Discount
  • Single adult: 10% Discount
  • Two adults: 50% Discount
  • Three adults: 33% Discount
  • Four adults: 25% Discount
  • Five or more adults (Up to 10.): 20% Discount
  • Beverages: 25% Discount

Here are the participating merchants (Discount rate as above unless otherwise stated.):

  • Alkaff Mansion Ristorante
  • Argo
  • Atrium Restaurant (Buffets only)
  • Bobby’s Restaurant & Bar
  • Bottura
  • Breeze Beer Garden @ Link Hotel Singapore (Closed for renovation. 15% off beverages.)
  • Burlamacco Ristorante
  • Buyan Russian Restaurant and Caviar Bar
  • CATO
  • Dean & DeLuca
  • Escape Restaurant & Lounge (Buffet only)
  • Fabrika (15% off beverages.)
  • FRESH! (15% off beverages.)
  • InterContinental Singapore
    • Lobby Lounge (15% off beverages.)
    • Victoria Bar (15% off beverages.)
  • Kinki Restaurant + Bar
  • Lawry’s The Prime Ribs (New!)
  • Lime House (NEW!)
  • Mad For Garlic
  • Napoleon Food & Wine Bar (15% off beverages.)
  • Nabehide Japanese Hot Pot Dining
  • Pepenero
  • Pind Balluchi Bar & Grill
  • Praelum Wine Bistro
  • Senso Ristorante & Bar (New!)
  • Shima Restaurant
  • Song of India
  • Sopra Cucina & Bar
  • The Clan Restaurant
  • The Marmalade Pantry
  • The Pelican Seafood Bar & Grill
  • TungLok Group (Minimum 4 pax for weekend a la carte.)
    • Dancing Crab
    • Lao Beijing
    • Lingzhi Vegetarian
    • Shin Yeh
    • TungLok Heen
    • TungLok Seafood
    • TungLok Signature
    • TungLok Teahouse
    • TungLok XiHé Peking Duck
  • Xin Cuisine

Blackout dates:

  • Eve of Public Holidays
  • Public Holidays
  • Special Occasions: Valentine’s Day, Mother’s Day, Father’s Day
  • Chinese restaurants:
    • Eve of Chinese New Year
    • 15 days of Chinese New Year

Sounds like a good deal right? Palate used to be an independent program but now they are exclusively under American Express Platinum Credit Card! Just pay using this card at participating merchants listed in this post to enjoy benefits.

Amex Platinum

American Express Platinum Credit Card

You can also use Cardable mobile application to monitor deals offered by Palate. Read more about Cardable here.

[Membership Card] the FAR CARD Classic

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Nowadays there are a lot of dining membership programs which gives discount in following format:

  • Single adult: 10% Discount
  • Two adults: 50% Discount
  • Three adults: 33% Discount
  • Four adults: 25% Discount
  • Five or more adults (Up to 10.): 20% Discount
  • Beverages: 25% Discount

One of such membership program is the FAR CARD Classic membership.

thefardcard logo

It provides following benefits:
Fairmont Singapore Swissôtel The Stamford Swissôtel Merchant Court
Dining (Discount rate as above unless otherwise stated. 50% Discount for 5 adults every Monday at restaurants!)
  • Alligator Pear
  • Mikuni
  • Szechuan Court (20% Discount on dim sum buffet. Not valid for Set lunch at Szechuan Kitchen and Chinese New Year Eve.)
  • Prego (10% Discount at Prego Deli.)
  • Asian Market Café
  • Anti:dote (20% Discount for a maximum of 10 people.)
  • Kopi Tiam
  • Café Swiss
  • Equinox Restaurant
  • City Space (20% Discount for a maximum of 10 people.)
  • Introbar (20% Discount for a maximum of 10 people.)
  • New Asia (20% Discount for a maximum of 10 people and complimentary entry for 2.)
  • Lobby Court (20% Discount for a maximum of 10 people.)
  • Ellenborough Market Café (Not valid for Chinese New Year Eve.)
  • Blue Potato
  • Crossroad Bar (10% Discount for beverages.)
 Accomodation 10% Discount off Best Available Rate 10% Discount off Best Available Rate 10% Discount off Best Available Rate
 Spa Willow Stream Spa (15% Discount off a la carte bookings of spa treatments excluding nail/hair treatment from Monday to Friday excluding eve of public holidays/public holidays.)  NA Spa and Sport (15% Discount off a la carte bookings of spa treatments excluding nail/hair treatment from Monday to Friday excluding eve of public holidays/public holidays.)

Regional dining and accommodation benefits:

  • Swissôtel Nai Lert Park Bangkok
  • Swissôtel Nankai Osaka

Upon membership onboarding, you will also receive a set of vouchers:

  • 1 50% off total food bill for 8 to 10 persons at Asian Market Café, Ellenborough Market Café, or Café Swiss Voucher
  • 2 Complimentary Cake or Bottle of House Wine Vouchers
  • 1 Weekend Rate of SG$230++ per night at Fairmont Singapore Voucher
  • 1 Weekend Rate of SG$200++ per night at Swissôtel The Stamford Voucher
  • 1 Weekend Rate of SG$190++ per night at Swissôtel Merchant Court Voucher
  • 5 Complimentary Room Upgrade Vouchers

Sounds like a good deal right? Normally you will have to pay to get this membership. But you can get it for free with American Express Platinum Credit Card! Just pay using this card at participating merchants listed in this post to enjoy benefits.

Amex Platinum

American Express Platinum Credit Card

You can also use Cardable mobile application to monitor deals offered by the FAR CARD. Read more about Cardable here.

[Credit Card] Credit Report

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[Update 1/4/2016]: You can now apply for a free Credit Report from CBS if you apply for a Credit Card. Regardless of whether it is approved or not. Details here.

Was thinking of writing an article on credit report and Claudia from Cardable beat me to that. That was a good summary on credit report so kudos to that. You can read it at here.

After reading through that article, I thought I can add on to it. So here are some things that I will like to add on.

So how does a credit report look like? I have bought my credit report last July from Credit Bureau Singapore (CBS) and here is how it looks like.

Credit Report(Web)_Page_01

Personal Particulars. Important information: Date of Earliest Known Credit Account, Previous Enquiries, Accounts, Defaults, Bankruptcy Proceedings and Credit Limits

Credit Report(Web)_Page_02

Account Status

Credit Report(Web)_Page_03

Account Status

Credit Report(Web)_Page_04

Account Status, Previous Enquiries and Credit Score

Credit Report(Web)_Page_05

Adverse and Aggregate Outstanding Balances

Credit Report(Web)_Page_07

Explanation (Members and Account Status note on what each alphabet means.)

Credit Report(Web)_Page_08

Explanation (What each credit score means.)

Credit Report(Web)_Page_09

Explanation (Key Contributing Factors to Your Credit Score and Aggregate Outstanding Balances.)

Credit Report(Web)_Page_10

Explanation (Aggregate Outstanding Balances.)

Credit Report(Web)_Page_11

Charts on Credit trends for your age group

Some additional information on credit report:

Who are authorized providers for credit report?
  • CBS.
  • DP Credit Bureau. (Can give it a miss as they only got 5 members which are all members of CBS.)
Who can access your credit report?
  • Member financial institutions of each credit bureau.
  • You.
How much does it costs?
  • SG$6 including GST from CBS.
Where to buy? (CBS)
  • Online. (Singpass needed. Payment by Visa/MasterCard/eNETS.)
  • CBS Office at SGX Centre 1.
  • Singpost.
  • CrimsonLogic Service Bureau at Chinatown Point or Supreme Court.
  • CASE Office at Ulu Pandan Community Building.

Some pointers:

  • When banks reject your credit card application, they will never say why. Buying your own credit report may give you answer. It may be because:
    • Bank may think that you have too much unsecured credit.
    • Bank may think that you have too many credit cards.
    • Bank may see that you have high frequency of defaults.
  • You can have an AA score but still can get rejected for credit card application. (That happened to me.)

Disclaimer: Use credit card responsibly.

[Mobile application] Cardable

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You got a few credit cards/membership cards and having trouble keeping track of deals associated with each card? Here is a mobile application to the rescue.

Cardable Logo

Cardable Logo

What Cardable allows you to do is to select credit cards/membership cards that you own and see deals available based on that information and location. They have a pretty comprehensive list of cards available. Not just credit cards from most banks in Singapore but also membership cards like PAssion, SAFRA, NTUC PLUS!, Palate and the FAR CARD. Main benefit of this application over competing application is that this application allows you to zoom down to benefits associated with a specific card from a bank. So for ladies, you can just select UOB Lady’s card in Cardable and see deals for that only. (Cue slogan: The men don’t get it.)

Cardable Cards

Cardable Cards

Cardable Cards DBS

Cardable Cards DBS List

Cardable Cards DBS Altitude American Express

Cardable Cards DBS Altitude American Express  Card Summary

Cardable Screenshot

Cardable Screenshot

You will then be able to look for deals near you or by categories like Dining, Shopping, Entertainment, Lifestyle & Arts, Travel and Automotives. When you select a deal, you will see distance of merchant from your location, details of deal and cards applicable.

Cardable Screenshot Deal

Cardable Screenshot Deal

This application is available for FREE without ADs on Android Google Play and iOS App Store.

Google Play APP Store