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February 13th, 2019 01:11 PM #111Hindi kaya talaga waive after nung first year free annual (if tama recall ko).
So basically offsetting lang. if namaximize mo yung 1k per month rebate, 12k rebate sa ccard bill. less annual fee of 3k, still enough naman i feel.
basically nabawasan lang ng 250php per month yung naclaim ng rebate mo over 12 month period if you want to look at it like that. Pero since immediate nga yung rebate naman na credit sa bill mo, parang naging usable for you yung funds for the first 11 months... dun ka lang sa 12th month need magbayad... so may benefit pa din onti.
I think most credit cards na may cash back, ganun talaga, pahirapan magpa waive ng annual fee unless mataas annual spend mo na, pero pahirapan talaga. Citibank alam ko if more than 1 card ka na sa kanila, wala na waive waive ng annual fee sa kanila.
HSBC ngyn may apply online for free for life na walang annual fee, but basically good for caltex lang yun. Yung cashback ni HSBC for Food purchases lang na 5% rebate naman, 0.5% for other purchases. max rebate per month is 1200php per month. Annual fee, if sinigilin ka naman nila 2500php. =)
Hope it helps.
Amex Cashback is only 1%, Unionbank Cashback is only 1.5%. Alam ko for both Amex and Union no limit sa rebate makuha mo per month, if I'm not mistaken. Walang limitation kung sang purchase yung Amex Cashback. Not sure sa Unionbank. =)
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February 13th, 2019 01:56 PM #112
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February 13th, 2019 04:47 PM #113
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February 14th, 2019 06:04 AM #114Didn't know about EWBank Cashback, basically this is the Hyundai Mastercard correct?
EastWest Bank | credit cards | Hyundai Mastercard | Benefits and Privileges - [EastWestBanker.com]
Per the site, the limit is also 1000php per month. But the rebate itself is either a Hyundai Voucher or Rustans Voucher when claimed, so not as flexible as SECB
Correction of SCB, it is 12k php rebate per year, meaning 1k per month max. I am a cardholder of SCB. The cashback of Citibank, I forgot if you need an initial purchase/spending requirement per month to avail of the 6% rebate. But here is the page.
Citi Cash Back Card | Credit Card with Everyday Rebates/Cashback - Citi Philippines
Per that, you need to have 10k php non grocery purchase first to get the 6% on grocery rebate per month. This is required as well as availing of the rebate via text, so it is also not automatic like SCB which is one of the convenience I like with basically no restrictions, autocredit to the billing period. =)
Hope it helps.
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February 18th, 2019 03:07 AM #115
Nakargahan ko na ng worth 25 liters yung D-Max ko.
Performance wise I couldn't tell the difference.
Smell wise, di ganun kabaho yung amoy from the tailpipe.
Naghahanap na ko ng paraan pano magregister sa SnR for the discount,
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February 21st, 2019 11:00 PM #116
Update lang since I could no longer edit my above post, i've noticed that I seem to produce less power with the Unioil Euro5 diesel compared to Caltex diesel.
At the expressway I could only manage to hover around 70-75km/h with my usual light foot on the pedal (20km/l instant fuel consumption reading). Went back to refuel with the other brand fuel and I could do 80km/h easily at 20km/l fuel reading.
The other difference seems to be that with Euro5 I could no longer smell the stinky fumes from the tailpipe compared to when using Euro4 diesel. My truck is Euro2 rated and has no DPF (diesel particulate filter) so it really has that diesel fume smell. Thats one positive for Unioil Euro5, clean burning. But the slightly lower power output makes me think about which I value more, the environment? Or more power?
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February 21st, 2019 11:06 PM #117
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February 22nd, 2019 12:35 AM #118
There is also an inconsistency with unioil diesel, depending on which station you fill up. Whenever i fill up from unioil edsa proj 7 station my starex engine sound is "garalgal" and response is a bit sluggish than normal. But if i fill up at unioil quezon ave (near d. Tuazon) and unioil mindanao avenue (near t.sora) the engine noise is "pino" and more responsive and seem to have more power. Twice ko na nasubok yung diesel sa unioil edsa proj 7 and i will avoid filling from there again.
My routine is 3-4 full tanks of unioil and 1 full tank of caltex (for the cleaning effect of techron). Di kasi maiwasan idling for long periods as the kids don't have the same out time from school.
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February 22nd, 2019 01:01 AM #119this is exactly what i observed on our Innova diesel, there is no stinky fumes compare sa petron diesel na ang baho ng fumes, lalo yun turbo diesel mas mabaho pero mas may hatak or maybe placebo effect ko lang kasi premium diesel.
even when unioil is only on euro 4 hinde mabaho yun fumes, kasing amoy niya mga usok ng bus sa Singapore. in terms of power i feel mas may power ang unioil compare sa petron.
the only thing i notice sa turbo diesel ng petron compare sa unioil is mas pino ng konti ang tunog ng makina.
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December 5th, 2019 06:19 AM #120
Choice I would have made as well.:nod:
2024 Innova Zenix 2.0 V CVT (non-HEV) vs Innova...