[Gemstar]

Actually wanna spend on NTUC but later I see so many using Youtrip do the transfer so I tried.

Yea is instant 200 bucks transfer to your bank.

but interesting Youtrip also will be sending their youtrip credit card to me. I check is free no need pay but I will not activate it.

Youtrip card is very useful when you travel overseas. The exchange rate is better than bank. I had one too. The latest upgrade is you can trf excess money from yr Youtrip acct back to yr bank. If yr card is lost, you can immediately blocked yr card via Youtrip APP. For credit card if lost, bank hotline take very long to pick up call.