Christmas Deal: Get up to S$1350 cash, Apple iPad, Dyson Micro Vacuum & more from now till 20 Dec 24

This holiday season (and for the first time ever), SingSaver is channeling its inner Santa and delivering attractive rewards worth up to S$1,300 in cash, an Apple iPad, Dyson Micro Vacuum, and more when you apply for credit cards through their platform.

Here’s How You Can Unlock These Gifts:

  1. Apply for a Credit Card via SingSaver: Browse and select the perfect card tailored to your needs.
  2. Meet The Respective Requirements: Apply and meet the respective requirements
  3. Redeem Your Festive Rewards: Choose from cash rewards, the latest gadgets, or home essentials like the Dyson Micro Vacuum.

Apply now and let SingSaver play Santa for you this holiday season. Don’t wait—unwrap your rewards before the promotion ends 20 December 2024.

Receive Up To $1,350 In Cash

  • Applications for 2 Eligible Products:
    • (a) One of the products must be a valid New-to-Bank application.
    • (b) One of the products must be from UOB, Maybank, or CIMB Bank.
      Reward: S$50 cash via PayNow.
  • Applications for 3 or More Eligible Products:
    • (a) One of the products must be a valid New-to-Bank application.
    • (b) One of the products must be from UOB, Maybank, or CIMB Bank.
      Reward: S$100 cash via PayNow.

Choose Other Attractive Rewards

Don’t want cash? Opt for other attractive gifts like the Dyson Micro Vacuum, Apple iPad, and more!

Apply For The Following Credit Cards

Citi PremierMiles Card

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.

  1. Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
  2. Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
  3. 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 wifi 64GB (worth S$479), or Dyson Micro 1.5kg Vacuum (worth S$599), or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659), or 50,000 yuu Points, or S$370 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Citi Cash Back Card

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$479), or Dyson Micro 1.5kg Vacuum (worth S$599), or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659), or 50,000 yuu Points, or S$370 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Citi Rewards Card

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.

  • 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$479), or Dyson Micro 1.5kg Vacuum (worth S$599), or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659), or 50,000 yuu Points, or S$370 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Citi Cash Back+ Mastercard® 

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$479), or Dyson Micro 1.5kg Vacuum (worth S$599), or Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659), or 50,000 yuu Points, or S$370 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

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 Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30), or 18K Max Miles, or 50,000 Yuu Points, or S$370 Cash

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Citi SMRT Card [NEW]

Apply Now

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 wifi 64GB (worth S$479), or Dyson Micro 1.5kg Vacuum (worth S$599, or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408), or 50,000 yuu Points or S$370 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Citi M1 Platinum Visa Card [NEW]

Apply Now

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 wifi 64GB (worth S$479), or Dyson Micro 1.5kg Vacuum (worth S$599, or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408), or 50,000 yuu Points or S$370 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval

Standard Chartered Simply Cash Credit Card

Apply Now

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 Supersonic (worth S$649), or Dyson Micro 1.5kg Vacuum (worth S$599), or Apple iPad 9th Gen 10.2 Wifi 64GB (Space Grey/Silver) (worth S$479),or S$400 Lazada, 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.

Standard Chartered Smart Credit Card

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 an Apple AirPods 4 (with Active Noise Cancellation) (worth S$249), or Flujo BEA Ergonomic Office Chair (worth S$549), or S$280 Lazada Voucher, or S$240 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.

Standard Chartered Rewards+ Credit Card

Apply Now

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 an Apple AirPods 4 (with Active Noise Cancellation) (worth S$249), or Flujo BEA Ergonomic Office Chair (worth S$549), or S$280 Lazada Voucher, or S$240 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.

Standard Chartered Journey Credit Card (Fee Waiver)

Apply Now

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 a Samsonite Straren Spinner 67/24 (worth S$600), or 12,000 Max Miles, or S$200 Lazada Voucher, S$190 Cash via PayNow

Requirements: New-to-bank customers to activate and spend a minimum S$500 within 30 days of card approval.

HSBC Live+ Credit Card

 

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: Get a Dyson SSHD 15 (worth S$699), or Dyson Micro 1.5kg Vacuum (worth S$599), or FLUJO SmarTrax Standing Desk (worth S$739), or S$199 Cash via PayNow + S$200 eCapita Voucher, or S$400 eCapita Voucher

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.

HSBC Revolution Card

Apply Now

HSBC Revolution Card is a rewards credit card ideal for savvy online shoppers. It allows you to earn up to 10X Points on online purchases or the usage of contactless payment like Visa PayWave and Apple Pay. Alternatively you can choose miles as your reward, with 4 miles for every dollar spent ($1 = 4 miles). Benefits of the HSBC Revolution card include no annual fees, travel insurance, no required minimum spend and more.

Welcome gift: Get a Dyson SSHD 15 (worth S$699), or Dyson Micro 1.5kg Vacuum (worth S$599), or 20,000 Heymax Miles, or S$400 UPSIZED Cash via PayNow + S$200 eCapita Voucher, or S$400 eCapita Voucher

Requirements: Activate and spend min. S$500 for 30-day periods following card approval

HSBC TravelOne Credit Card

Apply Now

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: Get a Dyson SSHD 15 (worth S$699), or Dyson Micro 1.5kg Vacuum (worth S$599), or 20,000 Heymax Miles, or S$199 Cash via PayNow + S$200 eCapita Voucher, or S$400 eCapita Voucher

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)

HSBC Advance Credit Card

Apply Now

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: Get a Dyson SSHD 15 (worth S$699), or Dyson Micro 1.5kg Vacuum (worth S$599), or FLUJO SmarTrax Standing Desk (worth S$739), or S$199 Cash via PayNow + S$200 eCapita Voucher, or S$400 eCapita Voucher

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.

UOB One Credit Card

Apply Now

Unlock unparalleled cashback rewards for your everyday expenditures with the UOB One Credit Card. Elevating your savings game, this card offers an astounding up to 15% cashback across categories including online shopping, groceries, health and beauty, convenience stores, transport, food delivery, and utilities. Enjoy up to 4.33% cashback on Singapore Power utilities bills and up to 3.33% cashback on all retail spending. Drive further with fuel savings of up to 22.66% at Shell and SPC. As if that wasn’t enough, link your card to the UOB One Account+ for potential interest savings of up to 7.8% p.a. Elevate your cashback experience and make the most of every expense with the UOB One Credit Card.

Welcome gift: Receive S$60 Cash via PayNow

Requirements: New-to-bank customers.

UOB Absolute Cashback Card

Apply Now

Experience the epitome of straightforward cashback rewards with the UOB Absolute Cashback Credit Card. Say goodbye to complexities – this card offers an unbeatable 1.7% limitless cashback rate, setting a new standard in Singapore. With no minimum spend requirements and absolutely no spend exclusions, your cashback journey becomes refreshingly seamless. Embrace a world where earning cashback is pure simplicity, and your spending yields limitless rewards.

Welcome gift: Receive Apple AirTag (4 pack) (worth S$149), Sony LinkBuds S (WF-LS900N) (worth S$199), S$120 Lazada Vouchers, S$120 Trip.com Vouchers or S$100 Cash via PayNow

Requirements: New-to-bank customers to activate and spend of S$500 within 30 days of card approval

UOB Lady’s Credit Card

Apply Now

Empower your choices and embrace rewards tailored to your desires with the UOB Lady’s Card. Your preferences matter, and with this card, you’re in control. Opt for your preferred rewards category and relish 15X UNI$ for every S$5 spent, equivalent to an impressive 6 miles per S$1, or earn UNI$1 per S$5 spent (0.4 miles per S$1) on other purchases. Your financial flexibility expands with the enticing 0% Lady’s LuxePay, allowing 6 or 12-month interest-free installment plans with no processing fees. Plus, enjoy the added peace of mind with free e-Commerce protection for online purchases up to USD200. Elevate your choices, rewards, and financial experiences with the UOB Lady’s Card by your side.

Welcome gift: Receive S$60 Cash via PayNow

Requirements: New-to-bank customers.

UOB EVOL Credit Card

Apply Now

Enjoy an impressive 8% cashback on both online and mobile contactless spending with the UOB EVOL Credit Card, while also securing up to 7.8% p.a. interest when linked to the UOB One Account+. As Southeast Asia’s pioneer in bio-sourced cards, it’s not just a card but a testament to a greener future, complete with a suite of sustainable privileges. With the added perk of waived annual fees through just three monthly transactions, the UOB EVOL Credit Card is your gateway to a progressive, rewarding, and environmentally conscious lifestyle.

Welcome gift: Receive S$60 Cash via PayNow

Requirements: New-to-bank customers.

UOB PRVI Miles World Mastercard

Apply Now

Embark on a journey of boundless possibilities with the UOB PRVI Miles World Mastercard, the ultimate choice for limitless miles. Whether at home or abroad, every S$1 spent unfolds a world of rewards: earn 1.4 miles on local spending, 2.4 miles on overseas transactions, including online shopping on international websites, and an astonishing 6 miles on Agoda, Expedia, and UOB Travel bookings via the UOB PRVI Miles website. With the power to redeem for miles, cash rebates, or vouchers, your options are as endless as the destinations you dream of. Elevate your adventures and embrace the freedom of limitless miles with the UOB PRVI Miles World Mastercard.

Welcome gift: Receive S$60 Cash via PayNow (SingSaver) OR Get up to 58,000 miles (UOB)

Requirements: New-to-bank customers.

UOB KrisFlyer Credit Card

Apply Now

Unlock a world of elevated travel with the UOB KrisFlyer Credit Card, your key to a sky-high journey. Earn 3 KrisFlyer miles per S$1 spent on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases. What’s more, earn up to 3 KrisFlyer miles per S$1 spent on dining, food delivery, online shopping, travel, and transport expenses. At the same time, enjoy 1.2 KrisFlyer miles per S$1 spent on all other categories.

Welcome gift: Receive S$60 Cash via PayNow

Requirements: New-to-bank customers.

CIMB Visa Infinite Card

Apply Now

The CIMB Visa Infinite Card lets you earn unlimited 2% cashback on Travel, Overseas and Online Spend in Foreign Currencies and unlimited 1% cashback on all other spend. With no annual fees for life and 3X complimentary access to airport lounges around the world, this card offers unparalleled benefits for frequent travelers. Other perks include exclusive dining and shopping privileges, and free travel insurance coverage.

Welcome gift:  Receive up to S$100 Cash via PayNow (New-to-bank) or S$50 Cash (Existing)

Requirements: –

CIMB Visa Signature Card

Apply Now

The CIMB Visa Signature Card is designed for customers who love to shop, dine, and travel. With attractive 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises, this card makes it easy to earn cashbacks The card also offers exclusive dining and shopping privileges, as well as travel insurance coverage for added peace of mind. Plus, with no annual fees for life, this card is a great choice for anyone looking for a reliable and rewarding credit card.

Welcome gift: Receive up to S$100 Cash via PayNow (New-to-bank) or S$50 Cash (Existing)

Requirements: –

CIMB World Mastercard™

Apply Now

The CIMB World Mastercard™ is a premium card that offers a host of exclusive privileges, including the highest unlimited cashback in Singapore of 2%^ on Dining, Online Food Delivery, Movies, Digital Entertainment, Taxi Rides, Ride-Hailing, Automobile & Luxury Goods! The CIMB World Mastercard also offers cardholders 50% off green fees at 42 prestigious golf courses across the region, making it an excellent choice for avid golfers. With no annual fees for life and generous cashback and rewards programs, this card is a great choice for anyone looking for a rewarding credit card. Customers can also enjoy exclusive dining and shopping privileges, as well as travel insurance coverage for added peace of mind.

Welcome gift: Receive up to S$100 Cash via PayNow (New-to-bank) or S$50 Cash (Existing)

Requirements: –

Maybank Family & Friends Card

Apply Now

The Maybank Family & Friends Card offers the ultimate freedom of choice, tailored just #ForYou. With this card, you have the flexibility to pick and choose cashback categories that align perfectly with your lifestyle, all while relishing an impressive 8% cashback rate – one of the most competitive in town! This versatile card allows you to earn 8% cashback not only in your local area but globally as well, encompassing your five preferred cashback categories from a diverse list of ten options. These categories span the spectrum, from Groceries and Dining & Food Delivery to Transport, Data Communication & Online TV Streaming, Retail & Pets, Online Fashion, Entertainment, Pharmacy, Sports & Sports Apparels, and Beauty & Wellness, making it an ideal choice for those who value personalization and rewards tailored to their individual preferences.

Welcome gift: Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: New-to-bank customers.

Maybank Platinum Visa Card

Apply Now

The Maybank Platinum Visa Card is your ultimate lifestyle companion, offering a seamless way to earn cashback on both local and foreign currency expenditures. With up to 3.33% cashback on all your spending, it’s a hassle-free way to save while you spend. The card’s simplicity is further accentuated by a straightforward cashback scheme – just ensure you spend a minimum of S$300 every month for each quarter, and you can enjoy cashback rewards of up to S$200. Beyond cashback, the card also delivers exceptional value at the pump with an impressive 20.05% fuel discount at Caltex stations when you link your Diamond Sky Fuel Card to your Maybank Platinum Visa Card. With its dual focus on cashback and fuel savings, this card is designed to make your spending more rewarding and efficient.

Welcome gift:  Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: –

Maybank FC Barcelona Visa Signature Card

Apply Now

The Maybank FC Barcelona Visa Signature Card is a true delight for football enthusiasts and savvy shoppers alike. With an impressive 1.6% unlimited cashback on all purchases within Singapore, it eliminates the need for minimum spending requirements, making it a practical choice for everyday expenses. The card also packs a punch when it comes to international spending, offering 2X TREATS Points for every S$5 spent in foreign currencies. What sets this card apart, besides its financial perks, is the exciting opportunity it presents – cardholders have a chance to win a trip for two to witness FC Barcelona LIVE every football season, an experience that’s sure to be cherished by any football fan. Additionally, the card grants a generous 5% discount at the FCBotiga official store in Camp Nou, making it a valuable asset for supporters of the club. Whether you’re a football fanatic or just looking for a rewarding credit card, the Maybank FC Barcelona Visa Signature Card has something special to offer.

Welcome gift: Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: –

Maybank World MasterCard

Apply Now

The Maybank World MasterCard is the epitome of sophistication, catering to those who appreciate a luxurious lifestyle. This elite card not only allows you to play golf and travel in style but also supercharges your journey by helping you earn air miles up to 10 times faster with each purchase. By offering an impressive 10X TREATS Points, equivalent to 4 air miles, at selected merchants, it transforms your everyday spending into a means to elevate your travel experiences. Whether you’re a frequent flyer or simply seeking the finer things in life, the Maybank World MasterCard paves the way for a world of exclusive benefits and privileges.

Welcome gift: Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: –

Maybank Manchester United World Platinum Visa Credit Card

Apply Now

The Maybank Manchester United Platinum Visa Credit Card is a dream come true for passionate Manchester United fans, offering a unique way to share in the club’s victories. With this card, you can revel in up to 3% cashback and 5X TREATS Points on all transactions when Manchester United secures a Premier League win, making every win a double victory for you. As a dedicated fan, you’ll also have the opportunity to win a trip for two to witness Manchester United LIVE, turning your devotion into an unforgettable experience. This card not only unites you with fellow fans but also provides practical benefits, such as 1% unlimited cashback, no minimum spending requirements, and no cashback cap. It’s the perfect card for true enthusiasts, offering exclusive privileges and rewards that align perfectly with your passion for the club.

Welcome gift: Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: –

Maybank Horizon Visa Signature Card

Apply Now

The Maybank Horizon Visa Signature Card is the ultimate companion for those with a passion for travel and dining. With this card, your dreams of exploring far-flung destinations become a reality as it offers up to 3.2 Air Miles on dining, transportation, and more, making it one of the top choices for air miles and dining enthusiasts. The rewards are remarkably straightforward – you can earn up to 3.2 air miles (equivalent to 8X TREATS Points) or 2 air miles (5X TREATS Points) with a minimum monthly spending of just $300 on your Maybank Horizon Visa Signature Card. With these exceptional benefits, you’ll find yourself jetting off to your dream destinations faster than ever before, while savoring delectable dining experiences along the way.

Welcome gift: Receive S$50 Cash via PayNow. (Reward stackable when you apply for multiple Maybank Credit Cards!)

Requirements: –


How to redeem your rewards:

  1. Search for any of the cards that matches your spending habits
  2. 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)
  3. Click Apply via SingSaver’s unique link
  4. 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.
  5. Submit your Rewards Redemption Form and Choose your preferred rewards and submit the form.
  6. 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.
  7. 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 can click here to check 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 or any of its subsidiaries or its affiliates. The names Apple, Dyson as well as related names are registered trademarks of their respective owners.

 

Read More...

Why “Buy Now, Pay Later” Might Not Be Your BFF

Browsed any online store recently? You’ve probably encountered the enticing “Buy Now, Pay Later” (BNPL) option. With the promise of splitting payments over weeks or months without interest or hefty fees, it seems like a dream come true. For many, it has been. Yet, as it becomes a tool for essentials like groceries, it’s worth pausing to consider: is BNPL as great as it seems?

#1: BUYER’S REMORSE HITS TOO LATE

Remember the days of saving for that dream pair of sneaks, making payments, and only taking them home after they were fully yours? BNPL flips this script. You get your purchase instantly, and with the click of a button, you’re locked into a commitment before common sense kicks in.

If regret creeps in later, BNPL doesn’t care. Essentially, you’ve handed over control of your wallet.

#2: RISKY CONNECTION TO YOUR CARDS

BNPL payments are often tied directly to your debit or credit card. Miss a payment due to insufficient funds? Expect a late fee. Fail to pay off your credit card balance on time? That BNPL purchase suddenly carries a hefty interest charge. What starts as a seemingly free loan could snowball into a mess of late fees and mounting credit card debt.

#3: IMPULSE SPENDING MADE EASY

Saving up for a purchase gives you time to evaluate if it’s truly necessary. BNPL removes that waiting period, nudging you to click buy without hesitation. So, if you’re going to use BNPL, be intentional. A new wardrobe for a job might be justifiable. A shopping spree because it’s interest-free? Not so much.

Image Credits: unsplash.com

#4: HAVING A MINDSET OF “ZERO” INTEREST

While many BNPL services advertise zero-interest payments, not all plans are created equal. Larger purchases, like appliances or electronics, may come with longer terms and interest. Sometimes, the interest rates are even higher than what your credit card might charge.

The trouble? It’s all too easy to click “BNPL” without fully reading the terms. Once the purchase is processed, undoing it can be a challenge.

#5: TRAPPED BY HIDDEN PSYCHOLOGY TRICKS

One of BNPL’s sneakiest pitfalls is how it breaks down costs. A purchase of S$80 might feel like a mere S$20 every fortnight. While this makes items feel more affordable, it also detaches you from the full cost. Couple this with a lack of financial education and relentless advertising, and many see BNPL as a way to manage money. The result? Early reliance on debt and a lifetime habit of paying things off in chunks rather than saving.

Image Credits: unsplash.com

IN A NUTSHELL

Don’t buy it if you cannot afford it. If you’re tempted, ask yourself: Do I truly need this? Can I pay for it outright?

Financial freedom isn’t about splitting payments or juggling debts. It’s about saving and spending within your means. BNPL may be a tool, but it’s not a safety net. In the end, whatever you’re buying will feel far better when they’re truly yours.

Sources: 1 & 2

Read More...

Best Credit Cards for Beginners in Singapore

In a 2022 survey by the Institute of Policy Studies and Talking Point, 35% of participants admitted to spending more than they earned, with over 60% stating they used to subscribe to “buy now, pay later” (BNPL) schemes. How serious is the prevalence of these schemes? According to the Monetary Authority of Singapore, BNPL transactions reached around S$440 million in 2021. With the growing popularity of BNPL, navigating credit card ownership has become trickier, especially for younger generations.

If you’re a Gen Z, a younger millennial, or a guardian looking for the right credit card for a young adult, consider this guide to credit card recommendations and tips.

START WITH THE ELIGIBILITY

While requirements vary between financial institutions, these are the most common requirements:

a. Minimum Annual Income: typically S$30,000 for Singapore citizens/PRs or S$45,000 for foreigners
b. Minimum Age: at least 21 years old
c. Good credit history: Certain cards may require a solid credit record of several years

IDENTIFY THE RIGHT CREDIT CARD FOR YOU

Identifying the right credit card can feel overwhelming because of the variety of options in the market today. A good place to begin is by examining your lifestyle. Are you a frequent traveler or do you spend more money on groceries? After identifying the factors that matter to you the most, you can shop around and compare each credit card’s features.

On that note, here are some of the best credit cards for beginners in Singapore:

#1: FOR AVID TRAVELERS: KRISFLYER UOB CREDIT CARD

The KrisFlyer UOB Credit Card allows you to earn 3 miles per S$1 spent on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases. Additionally, you can earn 3 miles per S$1 spent on dining, food delivery, online shopping, travel, and transport. For all other spending, you’ll earn 1.2 miles per S$1.

What’s more? From now until 30 Sep 2024, you can take advantage of a promotion offering up to 31,000 miles and a first-year annual fee waiver (worth S$196.20, including GST) when you spend a minimum of S$2,000 within 60 days of approval (T&Cs apply). Apply for KrisFlyer UOB Credit Card at uob.com.sg.

#2: FOR TRANSPORT AND SHOPPING REWARDS: DBS LIVE FRESH CARD

If you are looking for a credit card that rewards you for transportation and shopping, look no further than the DBS Live Fresh Card. It offers up to 6% cashback on transportation and shopping, along with 0.3% unlimited cashback on every eligible purchase. Keep in mind that a minimum spend of S$800 is required, with a cashback cap of S$70.

Best of all? There’s a promotion of S$150 cashback when you spend a minimum of S$800 within 60 days of card approval (T&Cs apply). This promotion is valid until 30 Sep 2024. Learn more about the DBS Live Fresh Card at dbs.com.sg.

#3: FOR ONLINE & IN-STORE SHOPPING: CITI REWARDS CARD

The Citi Rewards Card allows you to earn 10x points or 4 miles per S$1 on online and shopping purchases. You can also earn 1x point for all other spending. Additionally, you can redeem your points for every purchase via the Citi Mobile App. You will get S$1 with every 440 points.

If you’re interested in applying now, you can receive up to S$450 in cash rewards or 5,540 SmartPoints, plus a chance to win a Rolex Submariner Date 126610 (T&Cs apply)! Hurry, as the promo runs until 13 Sep 2024. Sign-up for Citi Rewards Card at citibank.com.sg.

READ THE ANNUAL FEES

Much like the benefits, annual fees vary across credit cards. Some cards offer no annual fees, while others may waive the fee for the first year. However, don’t automatically choose a no-fee card as you need to compare the features before deciding what suits you best.

Pro tip: Sometimes, you can get the annual fee waived simply by requesting it from your bank. It doesn’t hurt to try!

FINAL THOUGHTS

Getting your first credit card is an exciting milestone, but it also brings new responsibilities. As a newbie, it is important to do your research first before committing to a credit card application. Then, always monitor your spending and stay within your credit limit to avoid financial stress. Lastly, make sure to pay off your balance on time to build a solid credit history.

Image Credits: unsplash.com

Disclaimer: All data provided is accurate as of 10 September 2024. Promotional details are subject to change at the discretion of the respective banks. Please conduct your own due diligence when comparing credit cards and their offers before signing up, as individual lifestyles and needs may vary. Use this article as a guide only. Thank you.

Sources: 1 & 2

 

Read More...

How To Choose The Best Personal Loan For Your Needs

Life is full of unexpected twists and turns. Car repairs, medical bills, or maybe that dream vacation you’ve been eyeing—whatever the reason, sometimes you need a little financial boost. That’s where personal loans come in. They provide quick access to cash when you need it most.

But many people find themselves overwhelmed by the sheer number of options and confusing terminology. It’s easy to feel lost or even make a decision you’ll regret later. This comprehensive guide will explain the ins and outs of personal loans, help you understand the key terms, and walk you through the steps to find the perfect loan for your unique situation. Read on.

Understanding Personal Loans

Personal loans serve a specific purpose and can be incredibly handy in the right situation. Several different types are available, each with unique features.

Secured vs. unsecured

Secured loans require you to offer something valuable as collateral, like your car or savings account. This gives the lender a safety net, so they often offer lower interest rates. Unsecured loans don’t require collateral, but they might come with slightly higher rates.

Fixed-rate vs. variable-rate

A fixed-rate loan means your interest rate stays the same throughout the entire loan term. On the other hand, variable-rate loans can fluctuate with market conditions. It might be lower initially, but it could also rise, making your payments unpredictable.

Debt consolidation loans

If you’re juggling multiple high-interest debts (credit cards, student loans, etc.), debt consolidation personal loans could be your lifesaver. You combine all your debts into one loan with a lower interest rate, making it easier to manage and potentially saving you money in the long run.

july 29.7.jpg

Here are some key terms you’ll encounter:

  • Principal: This is the amount you borrow, the core of your loan.
  • Interest rate: Think of this as the lender’s fee for letting you borrow their money. It’s expressed as a percentage of your principal.
  • APR (Annual Percentage Rate): This is a broader measure of the cost of borrowing, including both the interest rate and any fees.
  • Origination Fees: Some lenders charge an upfront fee to process your loan application.
  • Prepayment Penalties: Some lenders might charge a penalty if you pay off your loan early.

Knowing these terms helps you understand loan offers, compare options, and ultimately make the best decision for your financial well-being. Don’t be afraid to ask lenders questions if anything is unclear. After all, knowledge is power!

Assess Your Financial Needs

Before you apply for a loan, take a step back and assess your financial needs. Start by asking yourself some key questions:

Why do you need a personal loan?

Be honest with yourself. Is it for a home renovation project, consolidating high-interest debt, or covering unexpected medical bills? Knowing your purpose will help you determine the right loan amount and repayment term.

How much do you need to borrow?

Don’t be tempted to borrow more than you actually need. Crunch the numbers and figure out the exact amount required to achieve your goal. Remember, every dollar you borrow will need to be paid back with interest.

How long do you need to repay the loan?

Shorter loan terms mean higher monthly payments but less overall interest. Longer terms offer lower monthly payments, but you’ll pay more interest in the long run.

What is your ideal monthly payment?

Take a look at your income and expenses to figure out how much you can comfortably afford to pay each month. There are plenty of online calculators that can help you estimate payments based on different loan amounts and terms.

Answering these questions will help you narrow down your loan options and choose the one that best suits your situation.

Research Lenders

Each lender offers different loan products with varying interest rates, fees, and terms. It’s crucial to shop around and compare your options to find the best fit for your needs.

Traditional banks

Traditional banks offer a wide range of financial products and services, including personal loans. If you already have a relationship with a bank, they might offer you preferential rates or terms. However, they tend to have stricter eligibility requirements, especially for those with less-than-perfect credit.

Credit unions

Credit unions are member-owned, not-for-profit organizations that often offer competitive rates and personalized service. They might be a good option if you’re looking for a more community-oriented approach.

Online lenders

These lenders offer convenience and speed, with many applications processed entirely online. They may be more flexible with their eligibility requirements, but their interest rates can vary widely, especially for those with lower credit scores.

Peer-to-peer lending platforms

They connect borrowers directly with individual investors, cutting out the traditional middleman (the bank). This can lead to more flexible terms and potentially lower rates, but it’s important to research the platform and its reputation.

So, how do you actually research lenders? Here are a few tips:

    • Check their websites: Most lenders list their loan products, rates, and terms online.
    • Read reviews and ratings: See what other borrowers have to say about their experiences with different lenders.
    • Talk to friends and family: Get recommendations from people you trust. They might have had positive experiences with certain lenders.
    • Use comparison tools: Many websites and financial tools allow you to compare multiple loan offers side-by-side.

Remember, don’t be afraid to ask questions and negotiate with lenders. You’re the customer, and you have the power to choose the lender that best suits your requirements.

Evaluate Your Eligibility

Lenders have specific criteria they consider in determining whether you’re a good candidate for a loan. Here are the main factors they check:

Credit score

Your credit score summarizes your credit history, including your payment history, outstanding debts, and credit utilization. A higher score signals to lenders that you’re a responsible borrower.

Income and employment history

Lenders will typically ask for proof of income, such as pay stubs or tax returns. A stable job history demonstrates reliability and increases your chances of approval.

Debt-to-income ratio (DTI)

The debt-to-income ratio measures your monthly debt payments (including credit cards, student loans, and potential loan payments) relative to your income. Banks prefer borrowers with lower DTIs, as it indicates they have more disposable income to handle additional debt.

By understanding these factors, you can set realistic expectations and increase your chances of finding a loan that works for you.

Final Thoughts

The path to securing the best personal loan might feel winding, but with a bit of knowledge and the right tools, you can find something that aligns with your needs and financial goals. So, take a deep breath, trust in your newfound knowledge, and embark on your journey towards financial freedom. The right personal loan is out there, waiting to help you turn your dreams into reality.

Read More...

7 Purchases to Always Charge to Your Credit Card

Using a credit card can be a savvy move for various purchases, thanks to the added security and potential perks. Beyond building a strong credit history, some purchases are best made with a credit card to maximize these benefits.

Many cards offer rewards like points or cashback, which can accumulate over time, essentially giving you “free money” if you consistently pay off your balance without incurring interest fees. Remember to use your credit card wisely!

SCORING EVENT TICKETS

Credit cards often offer special access to event tickets. Many card companies have partnerships with event promoters or venues, giving cardholders the chance to buy tickets for concerts, sports events, and other activities before the general public. Sometimes, there are even exclusive events just for cardholders.

For instance, when Taylor Swift’s concert tickets in Singapore went on early sale, UOB cardholders had the advantage of grabbing tickets before others.

PURCHASE BIG-TICKET ITEMS

When buying big-ticket items like refrigerators, laptops, or other electronics, using a credit card is a great idea. Not only can you earn significant rewards points, but many credit cards also provide additional insurance on these items.

This might include extended warranties that double the manufacturer’s warranty or price protection if the item’s price drops shortly after purchase.

MAKE TRAVEL ARRANGEMENTS

Booking travel with a credit card can offer substantial benefits. Many cards provide travel-related perks such as trip cancellation or interruption coverage, lost luggage insurance, and even emergency medical coverage. These benefits can save you from purchasing separate travel insurance.

Travel-themed credit cards typically offer higher rewards points for travel-related expenses. Plus, a credit card is often required to secure bookings for flights, accommodations, and car rentals.

SECURE OVERSEAS PURCHASES

Credit cards are generally more widely accepted than debit cards when traveling abroad. They are also safer to carry compared to large amounts of cash, as lost or stolen credit cards can be cancelled easily. Some credit card companies offer favorable exchange rates, providing additional savings.

Before traveling, notify your credit card provider of your itinerary to avoid any security issues or hindrances with your card while overseas.

ADD TO CART

Using a credit card for online shopping offers several advantages. Credit card transactions are easier to trace and often come with protections against fraudulent charges. Many cards also provide insurance for items lost or damaged in transit.

Always ensure that you never send your credit card information over email or text to safeguard your details.

CHARGE YOUR BUSINESS PURCHASES

For business owners, using a credit card to manage expenses can simplify accounting and help build business credit. Many business credit cards offer cash-back rewards or statement credits for purchases like internet services, cell phone plans, and office supplies, which can aid in tracking and managing cash flow.

Using a dedicated business card for recurring expenses can also help with tax deductions.

PROTECT PHONE PURCHASES

If you enjoy buying products via home shopping channels or infomercials, always use your credit card. This provides protection if you don’t receive the item or if it doesn’t match what was advertised. Credit card protections can save you from potential scams or disappointments from phone orders.

Image Credits: unsplash.com

Using your credit card for these types of purchases can provide additional security, rewards, and peace of mind, making it a smart choice for managing your finances.

Sources: 1 & 2

Read More...