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Best Credit Cards For Grocery Shopping

Grocery shopping can be costly at times especially because businesses are becoming more competitive in their prices. And if you were to use a credit card, be sure to indulge on all of its rewards by paying the bill in full each cycle. That said, here are the 5 Best Credit Cards For Your Grocery Shopping in Singapore…

5. OCBC 365 CREDIT CARD
Minimum Annual Income (Singaporean/PR/Foreigner): S$30,000

Do you want a card that allows rebates on your daily spending – all year round? Well then, say hello to the OCBC 365. It has rebates from grocery shopping, telecom bills, petrol, and dining. Waived for 2 years, the annual fee is S$161. Get 3% off on supermarkets islandwide, on recurring telecom bills (e.g., SingTel, StarHub, and M1), dining on weekdays, and on all your online spending (e.g., travel, movie tickets, and fashion).

4. ANZ OPTIMUM WORLD MASTERCARD CREDIT CARD

Minimum Annual Income (Singaporean/PR/Foreigner): S$80,000

ANZ Optimum World is an all around card with a touch of personalization. It gives you the decision to select your preferred category for a calendar quarter wherein you can earn 5% cash back and 1% cash back on all other spending. You can choose to have grocery, dining & leisure, travel, and shopping as your category. The best things is that there is no minimum spend and no limit on your total accumulated rebate! The annual fee is S$180, waived for a year.

3. CITIBANK SMRT PLATINUM VISA CARD

Minimum Annual Income (Singaporean/PR): S$30,000

As the name implies, Citibank SMRT Platinum Visa will give you good savings for your public transportation. Surprisingly, it is also good for grocery shopping. Get up to 7% savings on Fairprice, Sheng Siong, and Giant. Just pay an annual fee of S$161, waived for 2 years.

2. NTUC PLUS! VISA CREDIT CARD

Minimum Annual Income (Singaporean/PR): S$30,000

NTUC Plus! Visa will give you a whopping 10% off from all the items at FairPrice and FairPrice Online. What’s more? You can save up to 5% off at Unity, 3% off at Popular bookstore or Bata shoes, and 18% off at Esso fuel stations. All you have to do is pay an annual fee of only S$39 – waived for 2 years!

1. UOB DELIGHT CARD

Minimum Annual Income (Singaporean/PR): S$30,000

Does 10% rebate at groceries and pharmacies sound tempting? Then, UOB Delight Card is perfect for you. Enjoy up to 10% off at Cold Storage, Jason’s, Giant, Market Place, and Guardian. To qualify for this, you must have a minimum spend of S$100 a month and pay an annual fee of S$87. Buying in bulk? Get a free home delivery at selected Giant Hyper with minimum S$150 in a single receipt.

Delicious And Affordable Places for Italian Food in Singapore

Italian cuisine is known throughout the world for its pasta, pizza, herbs, and tomato sauce. While Singapore, as a nation, had developed a deeper fondness for food – of all kinds. But the dilemma of the restaurant prices are always at sight.

Cheap does not always come with bad taste if you know the right places to look. That being said, here are 4 delicious yet affordable places to satisfy your hunger for Italian food…

1. SUPER DARIO LASAGNE

A true-blooded Italian, Dario of Super Dario Lasagne, brought forth the first Cafe that showcases lasagna as their star. The menu is coupled with drinks, salads, and desserts of course. Their bountiful plates of homemade lasagna cost about S$7.8-11 while the set meal (i.e., including any lasagna, drink, and dessert) costs S$10.9 only (T&C apply).

And, if you are a student, grab the 20% off discount on any lasagna on Weekdays from 10:30 am (T&C apply). You can also order a tray to take home. Trust me, the food is worth coming back to!

Image Credits: instagram.com/annaloves29

Location: #04-17, City Square Mall, 180 Kitchener Road, Singapore 208539

Online Rating: 88% Upvotes on HungryGoWhere

2. CONCETTO BY SAVEUR

From the makers of the exquisite French restaurant named Saveur, they bring you the Concetto by Saveur. Paraded by good reviews from Savuer, Concetto by Saveur did not disappoint. This is a restaurant that continues to bring artisan-cooking techniques to prepare high-end quality Italian cuisine for all.

Its reasonable prices will not only bring your bellies to bliss but also your wallets. Most of delectable meals range from S$5 to S$18, except for the Wagyu Tender that costs S$26.90. Concetto Pasta ($6.90) is one of their best-rated dishes.

Image Credits: facebook.com/concettosingapore

Image Credits: Concetto Singapore via Facebook

Location: 2 Handy Road, The Cathay #01-11/12, Singapore 229233

Online Rating: 75% upvotes on HungryGoWhere

3. SAIZERIYA

From soup, pizza, pasta, baked rice, and bread – Saizeriya has it all for you. Because of its inexpensive prices ranging from S$4 to S$10, it has been the student’s favorite place to dine. They also incorporate a little of Asian and French cuisine into the mix. In fact they have French Escargot that the online reviews preferred most. It may possibly be the cheapest escargot you will find in Singapore restaurants.

Image Credits: Official Singapore Saizeriya via Facebook

Locations: 8 outlets islandwide, visit here

Online Rating: 73% upvotes on HungryGoWhere

4. SUPPLY & DEMAND

Supply & Demand prides itself as a contemporary Italian and Southeast Asia bistro and bar. With its breezy rooftop bar at Esplanade Mall, it serves as a great place to enjoy a great Italian meal. You may also try their modern-take on Southeast Asian dishes from Malaysia, Indonesia, and Burma. Majority of the pastas, pizzas, and entrées are priced below S$20.

Image Credits: Supply & Demand via Facebook

Locations:

#02-13/14, Orchard Gateway, 277 Orchard Road

8 Raffles Avenue #01-13 Esplanade Mall Singapore 039802

Online Rating: 62% up votes on HungryGoWhere

Enjoy your meal or as they say it in Italy..Buon Appetito!

Best Credit Cards for Singapore’s Students

Being a “poor” undergraduate student with little income is not a problem anymore! With credit cards that have a credit limit of S$500 offering tons of rewards on shopping, dining, travel, and more…here are the four Best Credit Cards For Students in Singapore:

4. DBS LIVE FRESH VISA STUDENT CARD

S$500 Credit Limit

Live Fresh Visa card is designed especially for tertiary students who want to manage their spending comfortably while still enjoying its rewards. The DBS reward points are accumulated for every S$5 charge on your card. It can be exchange with a wide range of shopping, dining, and travel deals. It has no minimum income requirement and the annual fee of S$64.20 is waived for 5 years!

3. MAYBANK EVIBES CARD

S$500 Credit Limit

Maybank’s eVibes card is available for tertiary students or working adults aged 18 to 30. Its credit limit allows clients to spend within their means. With a S$0 annual fee and S$0 minimum annual income required, it is really an ideal credit card for every student. Although there is a quarterly service fee of S$5 but it is waived when you pay using your card once every 3 months.

Get 1% of cash rebates for everything you purchase! And, easily track your expenses online at any time.

2. STANDARD CHARTERED MANHATTAN CREDIT CARD

S$500 Credit Limit

Are you a student wanting to indulge your bountiful appetite and thirst for films? Then, Manhattan is the right card for you. Enjoy 15% off your total bill at Harry’s Bar and Restaurant or S$1 off per movie ticket plus a free popcorn combo set at the Cathay Cineplexes. What’s more? You get .25% cash back for all retail spending, 20% off from items at Nature’s Farm, and 15% off from items at Oroton. Aside from these benefits, the annual fee of S$30 is waived for the first year and there is no minimum income required.

1. CITI CLEAR CARD

Dreaming of having free entry to Zouk and 1-for-1 drinks at wine bar one of these days? Or how about having exclusive deals at good restaurants such as db Bistro, Shin Kushiya, and The Chop House? Dream no more students! With Citi Clear card, you will be pleased with benefits in dining, clubbing, petrol, shopping, and more.

Dining

10% Citi Rebate at Starbucks

5% Citi Rebate at Burger King

Entertainment

Free entry and 1-for-1 drinks at Zouk

10% off total bill at Wala Wala Café Bar

15% off ala carte food menu at Beer Market

Petrol

10% discount at Esso stations

Shopping

6% cash rebate at Tangs

Worry not about your qualifications because there is no minimum income required and besides the annual fee of S$29.96 is waived the first year. Best of all? Upon application, you get S$30 Havaianas or CommonThread voucher.

7 Free Apps That Will Make Your Life In Singapore Better

Did you know that in 2011, CNN dubbed Singapore as the “2nd Coolest Nation in the World” because of its technology savvy nature? Most of the nation’s population is computer literate that even children aged 4 are encourage to use laptops in some learning centers. This is why it comes as no surprise that there are a lot of Apps out there that are making living in Singapore easier. Here are some of the good yet free apps available on the market now…

1. WHERETOGO.SG

Available on ITunes and Google Play

Do you find yourself lost in this fine city and short of cash? Fret not. WhereTo.sg App has a complete range of information on ATMs, AXM machines, bus stops, food centers, wet markets, supermarkets, dialysis centers, S’pore Pools outlets and so much more. This App will show you the location of the place, the estimated time, the exact distance, and the establishment’s operating hours.

2. MOH IHEALTH SG

Available on ITunes and Google Play

Wishing you can easily search for Singapore’s healthcare establishments and healthcare professionals? Wish granted! Lucky for you, Singapore Ministry of Health has compiled a list of clinics locations and its telephone numbers. An interesting feature is that you can view the live feed of the queue in the reception area.

3. SINGAPORE TRANSIT

Available on ITunes

There is a more convenient way to travel. Singapore Transit App has the SMRT rail map, taxi numbers, and bus schedules – all in one handy App.

4. ICHANGI

Available on ITunes, Google Play, and BlackBerry Webstore

Are you traveling through Changi Airport soon or maybe just picking up some of your loved ones? Then feel at ease with the IChangi App. This free app gives you real-time flight arrival and departure information so you would not miss a flight. Its push notifications feature will allow you to receive updates automatically. Information about latest promotions, shopping, dining, and terminal services are also available.

5. THE STRAIT TIMES SOSHIOK

Available on ITunes and Google Play

Shiok, in Singlish, is an expression of excellence or satisfaction. What better way to reach satisfaction than indulging in delectable dishes? The Strait Times SoShiok App is packed with reviews from Strait Times’ food critics. It has restaurant listings that are organized per dish or cuisine. The best thing about this App is its rewards system. Users can win monthly prizes or redeem goodies from their store.

6. HUNGRYGOWHERE

Available on ITunes and Google Play

HungryGoWhere App allows its users to search for island-wide or nearby by dining places arranged per cuisine, price, and distance. You can also post reviews or read articles to check the latest food trends such as the “Top 10 Japanese Restaurant”.

7. HOSAY!

Available on ITunes

Master the language of Singlish with this cool and free App. It comes with 80 unique Singaporean expressions and their meanings. Learn how to pronounce phrases such as “wah lau” or “jialat”. A review by Kitty966 even added that this really funny App has accurate pronunciations.

Image Credits: Hosay! via Itunes

Complete with insults, kopitiam, gambling, and character lingo – this App will surely brush up your Singlish skills while tickling your funny bone.

6 Things Lottery Winners Hid From You

You always see a long queue of diverse people in Singapore Pools outlet. Whether they are young or old, women or men, they all want one thing – to win the jackpot. The truth is, no one really knows what happens next after the winner had claimed the hefty load of cash. Lucky for us, some of the past lottery winners shared their personal experiences.

1. WINNERS ARE STILL BETTING

Past winners are not giving up in hitting the jackpot once more even though they are aware that the chances of winning are remote.

2. IN COMPARISON, MUCH SEEMS LIKE LESS

According to the past winners, after winning they find themselves in a room full of other lottery winners. Some won more than the others. This perceived inferiority made some of them feel poor again.

3. MONEY DISAPPEARS IN A SPAN OF 5 YEARS

Whether the winners won hundred million or a million, about 70% lose the money in five years or less. This is why I suggest you to plan your financial expenditures, make smart consumer choices, and invest in the stock market in case you won. This will help you grow your money and maintain your lavish lifestyle.

4. FIGHT THE IMPULSE

Having loads of money made several of the winners spend it right away. I am not talking of small impulse purchases rather they are serious life choices such as buying a mansion. Now, some of them are selling these said impulse purchases because of its impracticality. The take away from this is that although it is very tempting to spend your money right away, we must handle our money wisely whether it is hundreds or millions. Identify long-term goals first and purchase accordingly.

5. YOUR FRIENDS MAY CHANGE

Due to the sudden change in the winners’ lifestyles, some of their friends seem uninterested in the things they can afford such as flying overseas for the weekend. Also, some so-called friends came up to them with a depressing story and asked for money. Be careful, pretty soon you will know who your true friends are.

6. SHARE YOUR BLESSINGS

What really matters most to the winners is the fact that they are able to help others. When donating money to charity, they suggest to never giving it all at once. This is done one can make sure that the money is spent well.

Image Credits: J. Money via Flickr

Source: Reader’s Digest Magazine January 2014

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