Money has a way of tugging at our emotions…sometimes even breaking us down. Recently, I found myself in tears over an academic setback. I had poured a significant amount of money into my studies, only to face disappointing results at the final dissertation stage. The thought of spending even more to fix the situation felt overwhelming.
Negative emotions tied to money can easily spiral into despair, but managing these feelings is essential. Start by examining the impact of your emotions.
#1: EXAMINE THE IMPACT OF YOUR EMOTIONS
Intense emotions aren’t always bad. My initial reaction to failing or needing to revise my dissertation wasn’t “wrong.” Big emotions often mean we’re deeply invested in our lives. However, letting emotions spiral unchecked can wreak havoc on your personal and professional life. When money-related stress takes over, it can lead to:
Strained relationships
Trouble at work or school
Emotional outbursts
Reliance on unhealthy coping mechanisms
Take a moment to reflect. Are your emotions affecting your daily life? Identifying these triggers helps you turn emotions into tools for growth and motivation instead of barriers.
#2: IDENTIFY SPECIFIC NEGATIVE FEELINGS ABOUT MONEY
Our emotional connections to money often run deep, even if we don’t realize it. Start by journaling about your feelings toward debt, spending, and saving. Ask yourself:
Does your debt make you feel trapped or ashamed?
Do unplanned purchases leave you feeling guilty?
Does budgeting feel suffocating, triggering anxiety or conflict?
Unpacking these emotions can help uncover their root causes. Once you know what’s driving your feelings, you’re better equipped to change them.
#3: PRACTICE EMOTIONAL REGULATION
There’s no switch to turn off negative emotions, but you can learn to regulate them. Bottling up feelings can harm your mental and physical health, causing:
Anxiety or depression
Sleep disturbances
Chronic stress
Muscle tension and pain
Instead, aim for balance. Allow yourself to feel emotions without judgment. Acknowledge them, let them flow, and then refocus. This practice prevents overwhelm without forcing you to suppress how you feel.
#4: REPLACE NEGATIVE THOUGHTS WITH POSITIVE ONES
Once you’ve identified the negative emotions tied to money, work on replacing them with empowering ones. For instance, if debt makes you feel ashamed, strive to feel motivated instead.
Affirmations can help. Start with phrases like:
“I am in control of my finances.” “I attract opportunities for financial growth.”
It might feel awkward at first, but over time, these affirmations can reshape your mindset and help you feel more confident about money matters.
#5: BUILD RELIABLE FINANCIAL SYSTEMS
Systems can take some of the emotional weight out of managing money. Small steps like setting up autopay for bills, automating savings, or enabling low-balance alerts can make a world of difference.
However, don’t “set and forget” your finances. Schedule a weekly check-in to calmly review your financial situation. This routine helps you stay proactive and prevents money worries from spiraling.
#6: JOIN A FINANCIAL SUPPORT GROUP
Money stress is incredibly common, yet many people avoid seeking help. Luckily, online resources make support more accessible than ever.
Consider exploring:
Financial literacy courses, like those FREE from the Institute for Financial Literacy
Budgeting communities on social media
Credit counseling services, such as CCS.org.sg
Being part of a positive, informed community can help you develop a healthier relationship with money. Remember, you’re not alone—sharing your challenges and successes makes the journey less isolating.
Image Credits: unsplash.com
Dealing with negative emotions about money takes time, self-awareness, and intentional action. By reflecting on your feelings, building solid financial habits, and leaning on support systems, you can turn money from a source of stress into a tool for growth.
Chocolate Finance is thrilled to introduce an upgrade to its popular Chocolate Top-Up Programme, enhancing its appeal for those looking to make the most of their cash reserves. With a new cap of S$50k for eligible balances, users can now enjoy boosted returns at 3.6% p.a. on the first S$20k and 3.2% p.a. on the next S$30k. This substantial boost represents Chocolate Finance’s commitment to delivering reliable, accessible returns that fit seamlessly into a customer’s financial goals.
Top-Up Programme now supports balances up to S$50k!
Under the new structure, a balance of S$50k could yield S$4.50 daily, S$138 monthly, and S$1,650 annually, all conveniently accessible in the Chocolate Finance app. This improvement aligns with Chocolate Finance’s mission to simplify the path to financial growth without the usual barriers or restrictive terms. Users can rest assured knowing they have the flexibility to withdraw their funds whenever they need, with no lock-ins or complicated criteria to meet.
Guaranteed 3.6% p.a. during the qualifying period
If they don’t make the target returns for your first S$50k (3.6% p.a. on your first S$20k and 3.2% p.a. on your next S$30k), the difference will be topped up during the qualifying period. In the app, you will now see a breakdown of your returns for amounts up to S$50k and for any amounts above S$50k, making it easier for you to track your earnings. You can tap on the first S$50k to view the detailed breakdown of 3.6% on your first S$20k and 3.2% on the next S$30k.
How to Get Started
Opening an account with Chocolate Finance is completely free. Simply download the Chocolate Finance app, sign up with Singpass MyInfo, and start growing your savings today.
The company’s innovative Top-Up Programme has also added a valuable assurance: if the target returns on the first S$50k are not met, Chocolate Finance will top up the difference during the Qualifying Period, which extends until March 31, 2025, or until reaching the ambitious target of S$1 billion AUM.
Important Information
Is the money in Chocolate Finance Account safe from capital losses, can I lose my principal sum?
The short answer is the money you put into your Chocolate Finance account is not safe from capital losses. However, for the long answer, you need to understand these 3 things:
Investment strategy: Any money you put into your account (capital) is then invested into a portfolio of fixed-income funds designed to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency.
Market fluctuations and how they deal with them: Markets do go up and down and so will the portfolio value. For balances below S$50k, if the value of your portfolio is lower than your capital at any given point in time, the shortfall will be topped up (on both losses incurred on capital and target returns) so you earn the 3.6% p.a. returns on your first S$20k and 3.2% p.a. on your next S$30k. I.e: This means, while the Qualifying Period is live, your capital sum for balances below S$50k won’t go down. Read more about the Top-Up Programme here or dive into the details for the Top-Up terms and conditions.
Segregated funds: All funds invested with Chocolate Finance are segregated and held separately by third-party licensed custodians. This means if anything happens to them – your money is still safe. Only the balancing item (i.e. any top-up that they may have provided) is not protected (and this is why they can’t say your capital is guaranteed).
Chocolate Finance’s strategy for delivering these returns rests on a meticulously selected portfolio of fixed-income funds. The focus is on optimizing risk-adjusted returns by thoroughly evaluating factors such as yield, credit quality, currency, and duration. This approach ensures that returns are not only competitive but also sustainable, making the programme an ideal solution for those who want to grow their money without taking on undue risk.
Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore. Returns illustrated above are rounded for presentation purposes. Actual returns may differ. Past performance is not indicative of future results. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. T&Cs apply. This advertisement has not been reviewed by the Monetary Authority of Singapore. Please refer to the full disclaimer at https://www.chocolatefinance.com/?risk=readdisclosure
When thinking about long-term financial security, building wealth is a top priority. However, with rising living costs and ever-changing economic conditions, many people wonder what to do with their spare cash to ensure a prosperous future.
Saving money is essential, but leaving cash in a regular savings account may not be the most strategic approach. Whether you’re looking to grow your assets, diversify your income streams, or safeguard against inflation, it’s important to make smart decisions that will help secure your financial future.
Read on to learn what to do with the spare cash to secure your future.
Open High-Interest Savings Accounts
One of the most straightforward ways to grow spare cash is by placing it in a high-interest savings account. Unlike regular accounts, these specialized accounts offer better interest rates, allowing your extra money to grow without taking significant risks.
Many banks now offer savings accounts with competitive interest rates, making them attractive options for risk-averse individuals. For instance, if you’re from Singapore or similar locations, exploring the latest Singapore savings account options could yield higher returns while maintaining flexibility.
Furthermore, savings accounts are ideal for short-term financial goals, such as building an emergency fund or saving for a large purchase. However, due to inflation, savings alone may not be enough to grow wealth long-term, which is why it’s essential to consider other options for your financial situation.
Purchase Rental Properties
Real estate has long been regarded as one of the most stable and profitable ways to build wealth. Purchasing rental properties or establishing real estate investment trusts (REITs) allows individuals to generate passive income while benefiting from property appreciation.
Unlike stocks, real estate investments often require more time and management, but they also offer the potential for significant returns. Rental properties provide a monthly cash flow, which can be reinvested or saved, while the property’s value appreciates over time. However, if purchasing a rental property seems overwhelming, REITs allow you to buy into a pool of properties and earn returns without the hassle of managing a property directly.
Start or Contribute More to Retirement Accounts
Another essential step for building wealth with spare cash is investing in retirement accounts. For example, contributing to tax-advantaged accounts like a 401(k) or IRA can significantly enhance long-term wealth-building efforts. These accounts allow your investments to grow tax-free or tax-deferred, depending on your account type.
Moreover, employer-sponsored retirement plans often come with matching contributions, meaning you can receive free money by contributing up to a certain percentage. If you have spare cash, consider increasing your contributions to these accounts, as the tax benefits and compound interest will significantly boost your savings over time.
Pay Off High-Interest Debt to Increase Net Worth
If you want to build wealth, managing debt is crucial. High-interest debts such as credit card balances can quickly erode any gains made from investments or savings. As such, paying off these debts should be a priority because the interest rates on many debts far exceed the returns one might get from savings or investments.
By paying off high-interest debt, you can effectively “earn” the interest rate of the debt, which can be as high as 20% or more on some credit cards. Once these debts are eliminated, spare cash can be funneled into wealth-building ventures rather than going toward interest payments.
Create Multiple Income Streams for Financial Security
Relying on a single source of income can limit your ability to grow wealth effectively. Creating multiple income streams is a powerful way to secure your financial future. One option is buying dividend-paying stocks, which generate a regular income through dividends. Dividend stocks provide passive income and have the potential for capital appreciation.
On the other hand, some alternative income streams can include starting a side business, freelance work, or investing in peer-to-peer lending. By diversifying your income, you can reduce your reliance on a single source and open more opportunities for growing your wealth.
Consider Precious Metals and Commodities for Diversification
Precious metals, such as gold and silver, are another option for diversifying their investments and protecting against market volatility. These assets are often considered a haven during economic downturns and can help balance a portfolio that’s heavily invested in stocks or real estate. Commodities, like oil or agricultural products, can also hedge against inflation and provide portfolio diversification.
Also, while precious metals and commodities don’t generate income like stocks or real estate, their value tends to rise when traditional markets experience turbulence, making them an essential part of a well-rounded investment strategy.
Invest in Yourself Through Education and Skill Development
Building wealth isn’t just about investing in external assets—investing in yourself can also yield significant returns. Using spare cash to enhance your skills, gain new qualifications, or start a business can increase your earning potential over the long term. For example, enrolling in courses that teach high-demand skills like digital marketing, coding, or data analysis can lead to higher-paying job opportunities or the chance to launch a side business.
Remember, continuing education is an investment that pays off through better career prospects, higher income, and job security, all of which contribute to wealth-building efforts and avoiding unexpected expenses.
Final Thoughts
Building wealth with spare cash requires a thoughtful approach that balances risk, diversification, and long-term growth. By keeping the information mentioned above in mind, you can maximize your spare cash’s potential and secure your financial future.
🎉 Get a FREE Apple iPad, Dyson Vacuum & More When You Apply for a Credit Card via SingSaver! 🎉
Looking to level up your lifestyle? From now until 31 Oct 2024, SingSaver is offering an exclusive promotion where you can score amazing freebies like a FREE Apple iPad (worth S$508.30), a Dyson Micro 1.5kg Vacuum (worth S$599), and more when you apply for selected credit cards from Citi, Standard Chartered, or HSBC!
Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more. With no caps on miles earned, redeem your miles for flights, hotels and merchandises.
Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
Complimentary access to over 1,300 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.
Welcome gift: Receive an Apple iPad 9th Gen 10.9 Wi-Fi 64GB (worth S$508.30) or Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Max Miles or 50,000 Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Unlock the power of savings with the CITI SMRT Card! Enjoy an incredible 5%* savings every time you shop at supermarkets, grocery stores, or online, and even on your daily taxi and public transport rides island-wide. Plus, earn 0.3% savings on all other retail spend. The best part? You can easily redeem your SMRT$ for cash rebates or shopping vouchers, maximizing the value of every dollar you spend. Upsize your savings and make every purchase count with the CITI SMRT Card!
*Terms and conditions apply.
Welcome gift: Receive an Apple iPad 9th Gen 10.9 Wi-Fi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or 50,000Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Maximize your savings and enjoy exclusive perks with the Citi M1 Platinum Visa Card! Earn up to 10% Citi M1 Rebate on your M1 recurring bills and 0.3% Citi M1 Rebate on all retail transactions^—with no expiration on your rebates. Plus, enjoy 10% off device accessories and earn up to 1% Citi M1 Rebate when you shop at M1 Stores. Stay connected worry-free with complimentary SIM card replacement for lost or damaged cards, and save more with waived activation fees for Data Passport and M1 Value-Added Services. Experience unmatched value and convenience with the Citi M1 Platinum Visa Card!
Welcome gift: Receive an Apple iPad 9th Gen 10.9 Wi-Fi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or 50,000Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.
Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
Enjoy six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China
Savour an enchanting Four Hands collaboration presented by Citi Gourmet Pleasures
From travel and entertainment to day-to-day tasks such as organising a delivery, the global Citi Prestige Concierge team is there to support your lifestyle at home and abroad
Choose to travel in comfort to or from Changi International Airport, with complimentary one-way airport limousine transfers: Enjoy 2 complimentary rides per quarter with a minimum spend of S$12,000 within the same quarter.
Enjoy peace-of-mind when you travel abroad with their complimentary insurance
Welcome gift:Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Max Miles or 50,000 Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Groceries and Petrol, and 6% on dining, daily, worldwide. Subject to cash back cap of S$80 across all retail spend per statement month with a min. spend of S$800 per statement month.
Imagine this: every $800 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!
Welcome gift: Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or 50,000 Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop. For example, you can earn 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you’ll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month. If you are looking for a versatile card, look no further than the Citi Rewards Card!
Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
Earn 10X Rewards^ (4 Miles) on online food delivery
Earn 10X Rewards^ (4 Miles) on online groceries
Earn 1X Reward on all other spend.
Welcome gift: Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or 50,000 Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.
Welcome gift: Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or 50,000 Yuu Points or S$400 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval
Unlock a world of rewards with the HSBC Live+ Credit Card. Get up to 8% cashback on the things you love—whether you’re dining out, indulging in some retail therapy, or enjoying your favorite movies and shows. From delicious meals at restaurants across Asia to exclusive shopping deals and entertainment offers, you’ll earn cashback on every purchase. Plus, enjoy additional perks like up to 17% fuel savings and 1-for-1 deals worldwide through the ENTERTAINER with HSBC app. With the HSBC Live+ Credit Card, life’s little pleasures just got more rewarding. Learn more and start earning cashback today!
Welcome gift: Receive an Apple Airpods Pro (Gen 2) With Magsafe Charging Case (worth S$349) o S$260 Lazada Voucher or Flujo SmarTrax Standing Desk (worth S$739) or S$199 Cash via PayNow or Xiaomi Robot Vacuum S20+ (worth S$449)
Requirements: New-to-bank customers to activate and spend min. $500 by end of the following calendar month from the card account opening date. All applicants must provide marketing consent.
The HSBC TravelOne Credit Card opens up a world of elevated travel with its incredible features. This card stands out as the first HSBC credit card to offer instant redemptions with a wide array of airline and hotel partners, all accessible through your mobile app, providing unprecedented convenience. Additionally, you can earn up to 2.4 miles (6X Reward points) for every dollar spent, accelerating your journey towards your travel dreams. The card further enhances your travel experience with complimentary travel insurance coverage, including protection against COVID-19, airport lounge visits, and more. Moreover, its flexibility shines through with the option to split purchases across various tenors to suit your individual needs through HSBC Instalment Plans, ensuring that your travel experiences are tailored to your preferences.
Welcome gift: Receive an Apple Airpods Pro (Gen 2) With Magsafe Charging Case (worth S$349) or S$260 Lazada Voucher or 15,000 Max Miles or S$199 Cash via PayNow
Requirements: New-to-bank customers to activate and spend min. $500 by end of the following calendar month from the card account opening date. All applicants must provide marketing consent and pay the annual fee of SGD196.20 (inclusive of GST)
The HSBC Advance Credit Card is a cashback credit card designed to help you save as you spend with up to 3.5% cashback without minimum spend. Spending less than S$2,000 monthly gets you 1.5% cashback while spending more than S$2,000 will get you 2.5% cashback. The maximum cashback you can earn per month is capped at S$70.
The extra 1% cashback can be earned when the HSBC Advance Cardholder also has an HSBC Everyday Global Account that fulfills S$2,000 of monthly deposit AND charges 5 qualifying Credit Card transactions.
Welcome gift: Receive S$50 eCapita Voucher from SingSaver + Receive Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth SGD680) or SGD200 cashback from HSBC. (Existing cardholders will receive S$50 cashback)
Requirements: New-to-bank customers to activate and spend min. $500 by end of the following calendar month from the card account opening date. All applicants must provide marketing consent.
Elevate your financial journey with the Standard Chartered Simply Cash Credit Card, a gateway to a world of exciting possibilities and unbeatable rewards. Imagine earning a generous 1.5% cashback on all your expenditures, transforming your everyday transactions into a treasure trove of savings. But the benefits don’t stop there – this card is designed to revolutionize the way you manage your finances. Whether it’s settling your IRAS dues, investing in education, securing insurance coverage, or managing rental payments, the Simply Cash Credit Card showers you with not just cashback, but also reward points and even bonus interest.
Welcome gift: Receive a Dyson Micro 1.5kg Vacuum (worth S$599) or Nintendo Switch OLED (worth S$549) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$380 Cash via PayNow
Requirements: : New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.
The Standard Chartered Smart Credit Card allows you to earn 6% cashback in the form of reward points on selected merchants with no min. spend required. You can also enjoy S$0 fees on annual fee and cash withdrawal with 3-month interest-free instalments with 100% cashback on service fees. Now that is the smarter way to spend and you can say goodbye to fees!
Welcome gift: Receive a Flujo BEA Ergonomic Office Chair (worth S$549) or Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or S$280 Lazada Voucher or S$210 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.
Up your rewards game with the Standard Chartered Rewards+ Credit Card, your passport to exceptional benefits. Earn up to 10x rewards points on foreign currency for overseas retail, dining, and travel adventures, and enjoy up to 5x rewards points on dining transactions in SGD, adding a new dimension to your dining experiences. Plus, the perks kick in from the get-go with S$200 cashback upon spending S$388 within 30 days of card approval, setting the stage for a rewarding journey. Terms and conditions apply, so seize the opportunity to unlock a world of enhanced rewards and privileges.
Welcome gift: Receive a Flujo BEA Ergonomic Office Chair (worth S$549) or Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or S$280 Lazada Voucher or S$210 Cash via PayNow
Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.
Experience the extraordinary with the Standard Chartered Journey Credit Card, where every purchase becomes a gateway to your dream vacation. Earn 3 miles per S$1 for selected bonus categories, 2 miles per S$1 for overseas spending, and 1.2 miles per S$1 for local expenses, accelerating your rewards like never before. Revel in exclusive travel benefits, from 3 miles per $1 on online transactions to non-expiring rewards points that kick in from your very first dollar spent. Indulge in 2 complimentary Priority Pass lounge visits annually and travel with peace of mind through up to S$500,000 in coverage. Embrace a world of travel and rewards beyond the ordinary – your journey starts here.
Welcome gift: Get an Samsonite Straren Spinner 67/24 (worth $600) or 15K Max Miles or S$200 Lazada Voucher or S$160 Cash via PayNow
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
How to redeem your rewards:
Search for any of the cards that matches your spending habits
Click on Apply Now and Enter your email address on the new page (SingSaver will be sending the redemption instructions here. Check SPAM folder if you don’t receive any emails)
Login with Google or share your email to receive the rewards claim form.
Complete the application form from the bank and remember to take a screenshot upon completion so you can take note of the application reference number (ARN). Here’s where to find it.
Submit your Rewards Redemption Form and Choose your preferred rewards and submit the form.
Important: If you did not received the Rewards Redemption Form, please check your SPAM folder in your email OR drop and email to [email protected] with your application details.
Once you fulfill all the requirements (i.e. meeting the $500 mininum spend in 30 days from card approval), please allow some time for SingSaver and the bank to validate. Click here to understand more about the process.
You may also click here to check on the rewards redemption status.
For redemption follow-ups and enquiries, drop an email with your details to [email protected]
This promotion is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Apple, Dyson, Flujo or any of its subsidiaries or its affiliates. The names Apple, Dyson, Flujo as well as related names are registered trademarks of their respective owners.
Unlock incredible rewards with your next credit card with SingSaver! From now until 31 October 2024, when you apply for a selected Citi or Standard Chartered credit card, you can choose between S$320 in FairPrice Vouchers or S$320 in cash—perfect for your next grocery run or a boost to your savings.
Not only that, but there’s a range of other tempting gifts to pick from, such as an Apple iPad 9th Gen (worth S$508.30), Dyson Micro 1.5kg Vacuum (worth S$599), Nintendo Switch OLED (worth S$549) and more. Please refer to the details below.
Here’s the best part: the rewards are fulfilled in as fast as 4 weeks once you meet the minimum spending criteria. Simply apply within the promotion period, fill out the SingSaver Reward Redemption Form within 14 days, and make sure your card is approved. Then, activate the card and spend at least S$500 within the first 30 days from approval.
Illustration below for reference on how gift redemption works:
It’s that easy to get rewarded! Start today and choose the gift that works for you. Apply now!
Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more. With no caps on miles earned, redeem your miles for flights, hotels and merchandises.
Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
Complimentary access to over 1,300 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.
Welcome gift (Fastest Fulfillment): Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Max Miles or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Unlock the power of savings with the CITI SMRT Card! Enjoy an incredible 5%* savings every time you shop at supermarkets, grocery stores, or online, and even on your daily taxi and public transport rides island-wide. Plus, earn 0.3% savings on all other retail spend. The best part? You can easily redeem your SMRT$ for cash rebates or shopping vouchers, maximizing the value of every dollar you spend. Upsize your savings and make every purchase count with the CITI SMRT Card!
*Terms and conditions apply.
Welcome gift (Fastest Fulfillment):Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Maximize your savings and enjoy exclusive perks with the Citi M1 Platinum Visa Card! Earn up to 10% Citi M1 Rebate on your M1 recurring bills and 0.3% Citi M1 Rebate on all retail transactions^—with no expiration on your rebates. Plus, enjoy 10% off device accessories and earn up to 1% Citi M1 Rebate when you shop at M1 Stores. Stay connected worry-free with complimentary SIM card replacement for lost or damaged cards, and save more with waived activation fees for Data Passport and M1 Value-Added Services. Experience unmatched value and convenience with the Citi M1 Platinum Visa Card!
Welcome gift (Fastest Fulfillment):Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.
Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
Enjoy six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China
Savour an enchanting Four Hands collaboration presented by Citi Gourmet Pleasures
From travel and entertainment to day-to-day tasks such as organising a delivery, the global Citi Prestige Concierge team is there to support your lifestyle at home and abroad
Choose to travel in comfort to or from Changi International Airport, with complimentary one-way airport limousine transfers: Enjoy 2 complimentary rides per quarter with a minimum spend of S$12,000 within the same quarter.
Enjoy peace-of-mind when you travel abroad with their complimentary insurance
Welcome gift (Fastest Fulfillment): Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Max Miles or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Groceries and Petrol, and 6% on dining, daily, worldwide. Subject to cash back cap of S$80 across all retail spend per statement month with a min. spend of S$800 per statement month.
Imagine this: every $800 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!
Welcome gift (Fastest Fulfillment): Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop. For example, you can earn 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you’ll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month. If you are looking for a versatile card, look no further than the Citi Rewards Card!
Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
Earn 10X Rewards^ (4 Miles) on online food delivery
Earn 10X Rewards^ (4 Miles) on online groceries
Earn 1X Reward on all other spend.
Welcome gift (Fastest Fulfillment): Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.
Welcome gift (Fastest Fulfillment): Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$320 FairPrice Vouchers or S$320 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Elevate your financial journey with the Standard Chartered Simply Cash Credit Card, a gateway to a world of exciting possibilities and unbeatable rewards. Imagine earning a generous 1.5% cashback on all your expenditures, transforming your everyday transactions into a treasure trove of savings. But the benefits don’t stop there – this card is designed to revolutionize the way you manage your finances. Whether it’s settling your IRAS dues, investing in education, securing insurance coverage, or managing rental payments, the Simply Cash Credit Card showers you with not just cashback, but also reward points and even bonus interest.
Welcome gift (Fastest Fulfillment): Receive a Dyson Micro 1.5kg Vacuum (worth S$599) or Nintendo Switch OLED (worth S$549) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$380 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
The Standard Chartered Smart Credit Card allows you to earn 6% cashback in the form of reward points on selected merchants with no min. spend required. You can also enjoy S$0 fees on annual fee and cash withdrawal with 3-month interest-free instalments with 100% cashback on service fees. Now that is the smarter way to spend and you can say goodbye to fees!
Welcome gift (Fastest Fulfillment): Receive a Flujo BEA Ergonomic Office Chair (worth S$549) or Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or S$280 Shopee Voucher or S$210 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Up your rewards game with the Standard Chartered Rewards+ Credit Card, your passport to exceptional benefits. Earn up to 10x rewards points on foreign currency for overseas retail, dining, and travel adventures, and enjoy up to 5x rewards points on dining transactions in SGD, adding a new dimension to your dining experiences. Plus, the perks kick in from the get-go with S$200 cashback upon spending S$388 within 30 days of card approval, setting the stage for a rewarding journey. Terms and conditions apply, so seize the opportunity to unlock a world of enhanced rewards and privileges.
Welcome gift (Fastest Fulfillment): Receive a Flujo BEA Ergonomic Office Chair (worth S$549) or Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or S$280 Shopee Voucher or S$210 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
Experience the extraordinary with the Standard Chartered Journey Credit Card, where every purchase becomes a gateway to your dream vacation. Earn 3 miles per S$1 for selected bonus categories, 2 miles per S$1 for overseas spending, and 1.2 miles per S$1 for local expenses, accelerating your rewards like never before. Revel in exclusive travel benefits, from 3 miles per $1 on online transactions to non-expiring rewards points that kick in from your very first dollar spent. Indulge in 2 complimentary Priority Pass lounge visits annually and travel with peace of mind through up to S$500,000 in coverage. Embrace a world of travel and rewards beyond the ordinary – your journey starts here.
Welcome gift (Fastest Fulfillment): Receive a Samsonite Straren Spinner 67/24 (worth S$600) or 15K Max Miles or S$200 Shopee Voucher or S$160 Cash via PayNow in as fast as 4 weeks!
Requirements: Activate and spend a minimum S$500 within 30 days of card approval.
How to redeem your rewards:
Search for any of the cards that matches your spending habits
Click on Apply Now and Enter your email address on the new page (SingSaver will be sending the redemption instructions here. Check SPAM folder if you don’t receive any emails)
Click Apply via SingSaver’s unique link
Complete the application form from the bank and remember to take a screenshot upon completion so you can take note of the application reference number (ARN). Here’s where to find it.
Submit your Rewards Redemption Form and Choose your preferred rewards and submit the form.
Important: If you did not received the Rewards Redemption Form, please check your SPAM folder in your email OR drop and email to [email protected] with your application details.
Once you fulfill all the requirements (i.e. meeting the $500 mininum spend in 30 days from card approval), please allow some time for SingSaver and the bank to validate. Click here to understand more about the process.
You may also click here to check on the rewards redemption status.
For redemption follow-ups and enquiries, drop an email with your details to [email protected]
This promotion is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Apple, Dyson, Flujo, Shopee or any of its subsidiaries or its affiliates. The names Apple, Dyson, Flujo, Shopee as well as related names are registered trademarks of their respective owners.
