Isabel Leong, Author at MoneyDigest.sg

NIVEA MEN Knows MEN Best

Gentlemen.

You’re not forgotten. We know men have equally as high demands as women when it comes to skin care, and NIVEA knows it best. With significantly thicker and tougher skin as compared to women, it’s important for men to have a specialized skincare regime that can thoroughly and gently cleanse the skin.

That is why they have come up with a whole range of NIVEA MEN products. In addition to shower gel, shampoo and deodorant, NIVEA has a wide range of skincare and care products, shaving creams and after-shave products for men to choose from.

NIVEA MEN has recently launched the newest range – the Deep Range – to cater to the needs of modern busy men.

With everything from skincare products to deodorants and shaving foam, NIVEA MEN takes you every step of the way to clear out dirt, oil, sweat and pollutants accumulated from your daily busy life, leaving you clean, energized and hydrated.

Nicks and cuts from shaving, blemishes and dull skin will now be a thing of the past. The secret? Ingredients such as charcoal, black vitamins and black seaweed that are specially formulated for the Deep Range products.

Speaking of which, with the range of Men Deodorant products by NIVEA MEN that keeps you smelling naturally fresh and masculine, who needs expensive cologne?

Another feature we like is the travel-sized bottles and tubes that NIVEA produces, making it perfect for carrying around with, whether it is for post-gym session, a swim, or for travelling.

And if you need more reason to try out NIVEA products, here’s a big incentive:

Spend $15 on any NIVEA Men products (Men Face Care and/or Men Deodorants) at any Fairprice outlet and stand a chance to win a Philips 43” Ultra Slim Full HK LED Smart TV with Saphi and Pixel Plus HD.

There are 6 sets to be won!

How to join:

Spend $15 on any NIVEA Men products (Men Face Care and/or Men Deodorants) at any Fairprice outlet.
Take a photo of the qualifying receipt.
Submit the photo at https://bit.ly/2T1wTMj along with your name, mobile number, mailing address and email.

Draws are held every Wednesday, and the first draw is happening on 10th April 2019! Increase your chances by spending early – for every draw that you didn’t win, your entries are carried forward to the next draw.

All winners will be notified by phone.

Promo period: 1st Apr – 30th Apr 2019.
Entries must be submitted by 11.59pm of 9th, 16th, 23rd & 30th April 2019 to qualify for each week’s draw.
Beiersdorf Singapore Pte Ltd reserves the right to reject submissions if participants details are incomplete.

Maximize your SAFFRA perks before the year ends!

With deals in store for you from shopping to gifting, food, games and hampers – both at SAFRA clubs and their partnering merchants, what are you waiting for!

Still holding on to your NS50 SAFRA vouchers? Use them up before they expire on 31 December 2018!

What’s more, use your NS50 SAFRA vouchers at SAFRA Clubs and for every $20 NS50 SAFRA vouchers spend, receive a $5 Club voucher.

SAFRA clubs also frequently play host to crazy branded sales. This festive season, don’t miss bazaars ranging from books to homeware and electronics!

CLUB MERCHANT DEALS

That’s not all. Here are even more deals brought to you by SAFRA to set the holiday season right.

Some of them include:

iDARTS @ SAFRA Punggol

Round your friends up – get a ZERO dart board (worth $98) when you spend $150 on F&B. A worthy investment when you can take your game of darts home!

Siam Thai @ SAFRA Punggol

Get 1-for-1 green curry fried rice with egg and lemon grass drink or Thai Ice Milk Tea at $8.90.

Orchid Bowl @ SAFRA Punggol & @ SAFRA Yishun

Does your birthday coincide with Christmas time? Get a free bowling game (worth $5.50) on your birthday anytime from now until 31 December 2018!

PARTNERING MERCHANT DEALS

Cold Storage

Free 50ml Anti-bacterial shower gel with min. spend of $10 at selected outlets

Caltex

14% off Petrol and Diesel, and enjoy a Magnum Bomboniera Promo Festival Pack @ $7.90 (U.P. $9.90)

PastaMania

10% off total bill with min. $20 spend

Al-Futtaim: Royal Sporting House and Marks & Spencer

(Note: Members to change NS50 SAFRA vouchers to Al-Futtaim vouchers @ Robinsons counters: Raffles City, Hereen and JEM and use at the participating outlets.)

Royal Sporting House: Up to 20% off at participating stores
Marks & Spencer: 20% off regular-priced items
Marks & Spencer Café: 10% off à la carte items and more

Shaw Theatres

Movie tickets from $7.50

Wildlife Reserves Singapore

10% off prevailing Adult and Child admission ticket prices

Sentosa

Up to 30% off tickets to Singapore Cable Car, Wings of Time and Sentosa Merlion

Bakerzin

1-for-1 starters

Andersen’s of Denmark

Up to 10% off all regular-priced items

Siam Kitchen

Up to 20% off à la carte food & drinks with min. spend of $50

NS50 SAFRA vouchers can be used at some of these participating merchants and bazaars. More details can be found on the SAFRA website. For the whole list of promotions, visit SAFRA.

MEMBERSHIP PROMOTIONS

With a SAFRA membership, the deals are endless. The list above is just the icing on the cake.

Sign up or renew your SAFRA Membership (Ordinary/Associate) and enjoy a special buy of $40 NTUC Fairprice vouchers at only $2! Also get a complimentary watch (valued at $389).

It simply is the promo card of choice!

Valid from now till 31 December 2018.

What are you waiting for? Visit one of the SAFRA clubs or their merchants to start your festive shopping!

Tefal and WMF Singapore YEAR-END SALE IS HERE AGAIN!

In need of a kitchen rehaul?

Don’t miss this great opportunity to replace your old, worn home and kitchen appliances with Tefal and WMF appliances!

Unbeatable prices starting from $8, enjoy up to 80% discount on your favourite home and kitchen appliances from Tefal and WMF and improve your living with their innovating appliances now!

There’s no better year-end sale than this.

HOURLY FLASH DEALS

Don’t miss the hourly flash deals happening on both days. You’ll be surprised at what you’ll be able to snag!

The hourly flash deals happen at:

1-2pm
4-5pm

Event Details
Date: 1 & 2 Dec 2018, Saturday & Sunday
Time: 10am to 7pm
Venue: The Grassroots Club, Banquet Hall (Level 3), 190 Ang Mo Kio Avenue 8, S(568046)
Mode of Payment: Cash and Nets only

Share this good news and see you there!

How to recoup from the 11.11 sales shopping disaster

Lelong lelong!

What’s better than a Great Singapore Sale? The 11.11 crazy Singles’ Day sales.

If you’re an avid fan of online shopping, you wouldn’t have been spared from the numerous “virtual” billboard signs plastered on your favourite e-commerce shopping platforms, screaming descriptions claiming to offer the biggest and largest deals of the year.

Even if you’re not, you’re not spared either. Virtually every social media platform would have had advertisers interrupt your viewing pleasure with attention-seeking colours to tempt you to shop, shop, shop.

I hate to admit it, but even I have fallen prey to such sales tactics.

Have you accumulated too much credit card charges during the 11.11 sale? Here’s how you can make yourself feel better – choose to repay your credit card outstanding amount with a credit card balance transfer card that has a short-term loan tenure at 0% interest with $0 processing fees.

What is a balance transfer?

Simple logic – the lower the interest rate, the less you have to repay your credit card charges. Balance transfers involve a transfer of funds from a high-interest credit card to a lower-interest card.

This is where the Standard Chartered Credit Card Funds Transfer card comes in.

Some of the Standard Chartered Credit Card Funds transfer card features include:

Loan tenure of 6-12 months
0% interest rate during tenure
Exclusive 0.9% processing fee, which can be offset by $220 cash back, for new Standard Chartered cardmembers
Flexible repayment amounts
Comes together with a Standard Chartered Unlimited card

Instead of having to suffer from high interest charges for loan amounts that can be fully repaid in a short period, i.e. 6-12 months, you can now pay them off without these incurring these interest fees and putting an even greater dent on your shopping expenses.

Find out more about the Standard Chartered Credit Card Funds Transfer card on the SingSaver website.

The Best Credit Cards for Frequent Travellers

Many of us are ignorant about how much side benefits our daily spending can reward us because of the many complicated terms and conditions that come with signing on a credit card. But trust me, once you’ve figured out the one (or multiple) card that fits your lifestyle, you’ll wish you had started using them earlier.

Unless you are impossibly rich or are covered by your company, hardly any one of us would be willing to pay over $10,000 for a First Class seat for what may be a few hundred dollars’ worth of flight ticket.

But what if you had the opportunity of enjoying First Class without having to fork out actual money?

That is why accruing air miles on your credit cards is the way to go.

Your next question would then be: what are some of the most travel-friendly credit cards to use to convert as many dollars into air miles?

If you’re a serial traveller, or have a dream to be one, this is going to be one post that will help you re-evaluate your credit card spending with these points below.

I give you a breakdown below on the best credit cards to get the best (miles) bang for your buck with the least limitations.

Citibank PremierMiles Visa Card

With a Citibank PremierMiles Visa Card, earn 10 mpd for booking hotels online on Kaligo. What this card trumps over the other credit cards is that you don’t have to pay in foreign currency, there is no limit on spending per month, and you certainly don’t have to fully prepay your reservation online – that means you can cancel your hotel reservations anytime without incurring any charges!

Apart from hotel bookings, earn 2.4 Citi miles per S$1 overseas spend in foreign currency and 1.2 Citi miles per S$1 local spend.

1 Citi Mile = 1 Mile with KrisFlyer, Asia Miles, Royal Orchid Plus and etc.

For new customers – Get 30,000 bonus miles with an annual fee payment of $192.60 and when you spend a minimum of $7,500 within the first 3 months.

Find out more perks about this card here.

DBS Woman’s World Card

Earn 4 miles per dollar when you purchase air tickets online. Unlike other credit cards, this card doesn’t limit you to certain carriers you book with and there is no minimum monthly spending. The only drawback is that you can only spend $2K a month.

UOB Preferred Platinum Visa Card

An easy go-to card for everyday spending. Earn 4 miles per dollar each time you pay with Paywave/ Samsung Pay/ Apple Pay/ Google Pay on the go. The only limit is that you can only spend up to $1000 per calendar month, except where SMART$ are issued.

BOC Elite Miles World MasterCard

Earn 5 miles per dollar on your overseas currency transactions. There is no minimum or maximum spending, so this is one convenient card you can carry around while travelling and not have to worry about using to shop overseas!

Learn more about these credit cards now!