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One of the consequences of higher inflation is an increase in interest rates. Although we have been seeing a marked increase in consumer prices for the past 9 months, Singapore banks have only started to hike interest rates of savings/checking accounts recently. UOB has recently adjusted the interest rates of its popular UOB One Account by increasing the interest rates of its S$75k to S$100k tier and giving a direct incentive to depositors for crediting their salary to the UOB One Account.
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I have a number of posts in scattered about featuring various credit card sign-up promotions. To make them easier to view, I have compiled them here. For my readers who are used to my bank-specific promotions – I present to you a one-stop glance into what three major card issuing companies – HSBC, Citibank, American Express and Standard Chartered are offering at this point in time. Promotion durations are also listed below for convenience.
The credit card sign-up gifts are indeed quite attractive but do note that to get the higher valued gift, you would need to be a new cardholder. A new cardholder is defined as one who has not possessed a card by the respective card issuing company for at least 12 months. A common strategy by some folks is that they sign up for a card by xxx company, cancel the card after receiving the gift, wait for another 12 months then reapply. If you are an existing cardholder and simply wish to get a different card by the same company for the card benefits, you can also get a cash reward of S$30 (only valid for HSBC, Citibank and SCB).
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Update: The Citibank Apple Watch promotion is over. From now to 15th August (11:59PM), there is a new promotion with Singsaver where you can receive a brand new Samsonite Straren Spinner Luggage 67/24 (worth S$600) or Sony WH-1000XM5 Headphones (worth S$569) or Dyson V8 Slim Vacuum (worth S$549) S$350 cash via Paynow. New Citibank cardholders (those who have not held a Citibank card in the past 12 months) who apply for a credit card and get approved can choose to receive one of the aforementioned gifts. Existing cardholders receive S$30 via PayNow. Spend S$500 within 30 days to receive the sign-up gifts. Sign-up here or through the individual card links below.
Annual fee is waived for the first year for all the cards listed below except for the Citi Prestige. Citibank usually waives the annual fee for succeeding years as long as you actively use the card but if not, you can always cancel to avoid paying the annual fee. You can even cancel the credit card after receiving the reward if you wish.
ipad 9th gen (and other mentioned gifts) applicable for the 5 kinds of citi credit cards listed below
Note that this offer is valid only if you apply via the below exclusive links (direct application with Citibank doesn’t count for the promotion). Why is that so? Singsaver actually acts as an aggregator and partner for Citibank cards and from time to time, Singsaver and Citibank may jointly fund the gift in order to split the marketing expense between them.
Similar offers have been running for the past couple of months, with the gift going as low as S$200. The current S$350 cash offer is within the higher end for the cash sign-up reward.
After clicking submit on your credit card application, make sure to take note of your Application Reference Number. You will have to fill out a redemption form (automatically sent to your email once you make a card application) in order to be registered. If you choose to get the cash gift, do ensure that the phone number you fill out in the form is the same as the mobile number for you to receive PayNow payments.
Once your card is approved, remember to spend at least S$500 (can be in multiple transactions) within 30 days of receiving your card in order to receive the reward. You will get an email within 90 days with instructions on how to claim your gift. If you are looking for ways to spend S$500 within a month, there’s that time-honored method of buying vouchers from NTUC Fairprice and paying for it with your credit card.
Here are the Citibank cards that qualify for the promotion:
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DBS has launched the Vantage Card as its attempt into the mass affluent income cards segment. The other DBS “exclusive” credit card is the DBS Insignia which is more geared towards high net worth individuals with a 500k per year income requirement. The new DBS Vantage Visa Infinite Card requires much less – 120k annual income.
As with other credit cards for the affluent such as the Citi Prestige or the UOB Visa Infinite, the DBS Vantage Visa Infinite Card comes with a host of benefits. In summary these are:
The DBS Vantage Card also normally comes with a sign-up bonus of 25,000 miles applicable for both new-to-DBS and existing DBS cardholders with every payment of the S$588.50 annual fee. Until 30th September 2022 (11:59PM), DBS is giving an extra 35,000 miles (new cardholders) / 15,000 (existing cardholders) upon signing up with the promo code: VANMILES after payment of the annual fee and spending S$8,000 within 60 days of receiving the card. This adds up to 60,000 / 40,000 miles. You can sign up here.
You can also check the latest credit card sign-up promotions from other banks here
Let’s take a closer look at the benefits:
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From now to 15th August (11:59PM), there is a promotion with Singsaver where you can receive a brand new Samsonite Straren Spinner Luggage 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or Dyson V8 Slim Fluffy (worth S$549) or S$350 cash via Paynow. New Citibank cardholders (those who have not held a Citibank card in the past 12 months) who apply for a credit card and get approved can choose to receive one of the aforementioned gifts. Existing cardholders receive S$30 via PayNow.
Annual fee is waived for the first year for all the cards listed below except for the Citi Prestige. Citibank usually waives the annual fee for succeeding years as long as you actively use the card but if not, you can always cancel to avoid paying the annual fee. You can even cancel the credit card after receiving the reward if you wish.
Note that this offer is valid only if you apply via the below exclusive links (direct application with Citibank doesn’t count for the promotion). Why is that so? Singsaver actually acts as an aggregator and partner for Citibank cards and from time to time, Singsaver and Citibank may jointly fund the gift in order to split the marketing expense between them.
Similar offers have been running for the past couple of months, with the gift going as low as S$200. The current S$350 cash offer is at the higher end, historically, for the cash sign-up reward. In terms of the gadget, Citibank rarely features the Xbox S so if you have been eyeing this console, this is your chance.
After clicking submit on your credit card application, make sure to take note of your Application Reference Number. You will have to fill out a redemption form (automatically sent to your email once you make a card application) in order to be registered.
Once your card is approved, remember to spend at least S$500 (can be in multiple transactions) within 30 days of receiving your card in order to receive the reward. You will get an email within 60 to 90 days with instructions on how to claim your gift.
Here are the Citibank cards that qualify for the promotion:
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Update: The Apple AirPods Pro promo has ended. The new promotion is as follows: Receive either S$300 cash or Dyson AM07 Tower Fan (worth S$499) or Xiaomi Mi Robot Vacuum-Mop 2 (worth S$399) when you sign up for their Standard Chartered Smart Credit Card as a new cardholder and spend S$350 within 30 days. This credit card gives 6% cashback for MRT/bus rides, Toast Box, McDonald’s, Ya Kun Kaya Toast, Netflix and Disney+ with no monthly minimum spend required. Existing SCB cardholders get S$30 via PayNow. You can apply here. This offer is valid until 31st July 2022 (11:59PM).
Earn 6% on Bus/MRT rides, Toast Box, Ya Kun Kaya Toast, Netflix and Disney +, among others, without a minimum spend.
Annual Fee: No annual fee
Minimum Income Requirement: S$30,000 per year (Singaporean/PR); S$42,000 (foreigner)
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Finished: There is currently a Citibank Singsaver credit card promotion where you can get yourself either a brand new Apple AirPods Pro (UP S$379) OR Dyson AM07 Tower Fan (UP S$499) OR S$350 cash via Paynow. New Citibank cardholders (those who have not held a Citi card in the past 12 months) who apply for the credit cards below and get approved can choose to receive one of the abovementioned gifts. This promotion is valid from now until 13th February 2022 (11:59PM).
Annual fee is waived for the first year for the card. These card issuing companies normally waive the annual fee for succeeding years as long as you actively use the card but if not, you can always cancel to avoid paying the annual fee. You can even cancel the card after receiving the Apple AirPods, Fan or cash reward if you wish.
If you are already an existing Citibank cardholder, fret not. You still get to have S$30 with your successful application.
you can opt to have the apple airpods OR cash gift when signing up
Note that this offer is valid only if you apply via the below exclusive links (direct application with Citibank doesn’t count for the promotion). Why is that so? Singsaver actually acts as an aggregator and affiliate partner for credit cards and from time to time, Singsaver and Citibank may jointly fund the gift in order to split the marketing expense between them.
Once your card is approved, remember to spend at least S$500 (can be in multiple transactions) within 30 days of receiving your card in order to receive the gift or cash reward. You will get an email within 60 to 90 days with instructions on how to claim your gift.
Here are more details on the Citibank cards that qualify for the promotion:
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With travel resuming, I find myself revisiting some of my age-old travel habits. Cameras, selfie sticks and tripods are a must for me. Given that I also tend to visit a lot of offbeat countries, one of the things in my checklist is getting a VPN.
Given that we are now in the age of media streaming and online shopping, a Virtual Private Network (VPN) is no longer something too high-tech for average users. It is, in fact, internet security 101, especially while traveling. It masks your device’s IP address, encrypts your data, and reroutes it through secure networks, allowing anonymous and secure browsing.
What does this mean for you? In this article, we’ve listed five reasons explaining how these VPN features help you when you’re traveling. From bypassing internet censorship to preventing frozen bank accounts, we’ve covered everything. Let’s dive right in.
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With the gradual resumption of international travel and removal (or reduction) of mandatory quarantine in several popular destinations, more Singapore residents are spending their holidays overseas. That being said, international travel is still not totally like what it was in the past and many countries now require pre-purchased travel insurance for entry, whereas travel insurance was just an optional thing in the past.
If you are browsing through travel insurance plans, here is a handy list of those that provide Covid-19 coverage and have some ongoing promotions at the same time. I will also try to expand this list as I get information from more providers. Freebies range from cash rebates to free PCR testing, depending on the plan.
Note that this offer is valid only if you apply via the below exclusive links (direct application with the insurance provider doesn’t count for the promotion). Why is that so? Singsaver actually acts as an aggregator and partner for these insurance plans and from time to time, Singsaver and the insurer may jointly fund the gift in order to split the marketing expense between them. Instead of hiring an insurance agent, part of the savings gets channeled as an incentive to the customer.
To be eligible for the S$10 or S$20 cash rebate, you will be asked to register your email address with Singsaver, who will fulfill the payout. After clicking submit on your travel insurance application, make sure to take note of your Application Reference Number. You will have to fill out a redemption form (automatically sent to your email once you make an insurance application) in order to be registered.
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