Personal Finance Archives | MoneyDigest.sg

Renovating your home? Skip the awkward favors from friends and family members and borrow smart!

Congratulations on reaching the incredible milestone of owning your new home! As you stand in your living room, envisioning it as the perfect spot for get-togethers, reality sets in. Do I have the budget needed to create my dream home?

Sounds familiar? Well, you’re not alone.

Many of us have found ourselves in this situation. We need a temporary cash boost for home improvements but, at the same time, are hesitant to rely on awkward favors from friends or family members.

That’s where borrowing smart comes into play. Here’s why GXS Bank, Singapore’s home grown digital bank, might have the best solution for you.

The Best Friend To Borrow Money From

Borrowing from those close to you can be a double-edged sword. It might be easy to get that “loan” but fail to fully understand the unspoken terms, or worse, be late in paying them back, and you could end up with a very strained relationship. This is where GXS FlexiLoan steps in, like a trusted friend who understands your needs but less the drama.

The GXS FlexiLoan lives up to its name by being incredibly flexible. Whether you need a small amount for a quick fix or a larger sum for a home renovation project, it’s there to support you.

Why GXS FlexiLoan stands out as the ideal financing option:

Flexible Borrowing

Borrow what you need, when you need it, for however long you need it

When it was launched, the GXS FlexiLoan was hailed as a revolutionary game-changer in personal finance. It is the first financing option in the market that lets you tailor your borrowing experience according to your individual needs.

Think about it – a renovation loan typically has a higher loan quantum that is more suitable for larger renovation projects. If you just want to upgrade your kitchen or create a cozy haven in your living room, you might not need such a large quantum. The GXS FlexiLoan puts control in your hands and allows you to draw down multiple loans from your credit line starting from as little as S$200, up to $100k (subject to your available credit limit). GXS FlexiLoan has got your back, on your terms.

Low Interest Rates

Interest rates start from as low as 2.99% (EIR 5.65% p.a.) which is lower than the interest rate you’d pay if you used your credit card. By taking advantage of competitive rates, you can save on interest costs, and stretch your renovation dollar.

Flexible Repayment Options

You call the shots with GXS FlexiLoan

With GXS FlexiLoan, you call the shots. Imagine you’re in the midst of your home renovation project, and you want to establish a clear timeline with your interior designer to keep track of progress.

The GXS FlexiLoan is designed to let you call the shots on how much and how long you want to take up the loan. This means you have the power to align your repayment plan with your renovation timeline. Want a shorter repayment period of 2 months to swiftly tackle smaller upgrades or an extended tenure of up to 60 months for comprehensive renovations? The choice is yours.

No Early Repayment Fees

Why pay more when you can save on interest?

You can enjoy interest savings with GXS FlexiLoan because interest on the loan is calculated daily, based on the outstanding balance at the end of the previous day, without compounding interest. This means that if you make an early repayment, the outstanding balance is reduced, resulting in immediate interest savings.

Moreover, there are no early repayment fees, giving you added financial benefits and motivation to settle your loan sooner. This way, you can allocate more funds towards your home renovation project and achieve your dream space without unnecessary financial burdens.

No Hidden Fees

Suppose you’re still not ready to take the loan immediately, there’s no need to worry because, with GXS FlexiLoan, you have the option to apply beforehand and keep it as a reliable standby credit line. There will be no interest charged till you make a drawdown, giving you peace of mind as a backup during your renovation journey.

Limited Time Offer

From April 3rd till June 30th 2024, when you sign up and use your GXS FlexiLoan, you stand a chance to win fantastic prizes in their dream giveaway. Prizes include a dream home makeover, a thrilling overseas adventure for two, an iPhone 15 with free Singtel mobile postpaid bills for a year. You also stand to get a S$50 Grab voucher.

Apply via the app which it is available for download on:

For more information, and to check the results of the giveaway, check here

Visit www.gxs.com.sg/flexiloan for the full terms and conditions, and start your journey towards financial empowerment today.

Footnotes:
GXS is a digital bank proudly backed by Grab and Singtel. GXS FlexiLoan is provided by GXS. GXS holds a banking licence and is regulated by the Monetary Authority of Singapore. GXS is a separate entity and is not associated with the businesses of Grab Holdings, Singtel, and their entities, or Money Digest.

Terms and conditions apply. For the full terms and conditions on GXS FlexiLoan and the campaign, visit www.gxs.com.sg/flexiloan. All figures in the images are illustrative only.

Get a FREE PlayStation 5 Disc Version (worth S$799), Dyson Airwrap (worth S$859) & more from 9 – 30 Apr 24

Ask us questions, discover the latest offers & more on Telegram.

Imagine getting your hands on a PlayStation 5 Disc Version (worth S$799), a Dyson Airwrap (worth S$859), or S$500 e-CapitaVouchers! Sounds dreamy, right? Well, it’s real! SingSaver has partnered Citi to run an exclusive promotion. All you need to do is be among the first 500 applicants from 9 April, 9am to apply for a credit card, activate it, and spend at least S$500 within 30 days of getting your card approved. The promotion will run till 30 April 2024.

How it works:

When you apply for any credit cards below, a new window appears
The timestamp will be logged when you submit your email address and at the end time of your submission of the rewards redemption form
The first 500 eligible applicants who applied and meet the promotion terms and conditions will received an email by October 2024.
Successful applicants will be announced on this page.

For more details of how the selection process works, click here.

Not the first 500! No problem! You can still choose from other guaranteed SingSaver gifts, such as:

Apple iPad 10th Gen (worth S$691.60)
Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30)
Dyson Supersonic (worth S$699)
Dyson V8 Slim Fluffy (worth S$509)
S$400 eCapitaVoucher
S$300 cash via PayNow

To be eligible, you need to apply for these cards (via the links below):

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.

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.

For the first 500th applicant: Choose to receive a free PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers

From the 501th applicant onwards: Receive an Apple iPad 10th Gen (worth S$691.60) or Dyson Supersonic (worth S$699), or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.

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

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!

For the first 500th applicant: Choose to receive a free PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers

From the 501th applicant onwards: Receive a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.

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

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. 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.

For the first 500th applicant: Choose to receive a free PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers

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

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.

For the first 500th applicant: Choose to receive a free PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers

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

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 and Dyson or any of its subsidiaries or its affiliates. The names Apple and Dyson as well as related names are registered trademarks of their respective owners. Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period

Cash Crash? 5 Ways to Get That Fast Cash Loan!

Life can be unpredictable! One minute you’re cruising along, the next you hit a bump in the road (literally, with a flat tire!). Emergencies can come in all shapes and sizes:

Car Trouble: Your car might sputter its last breath, leaving you stranded.
Medical Mishap: Unexpected health issues can pop up, requiring a trip to the doctor (and potentially some bills you weren’t expecting).
Bill Bungle: You might get a surprise call about a forgotten bill (seriously, who calls about money that early?).
Aircon Apocalypse: Imagine your air conditioner decides to play dead on the hottest day of the year. Ugh!
Travel Turmoil: Unexpected travel needs might arise, like needing to rush to see a sick family member.

Don’t panic, buddy! Singapore’s got your back. Here’s the lowdown on 5 ways to snag some quick cash to conquer those surprise expenses:

1. Superhero Savings Account (to the rescue!)

This might be a captain obvious moment, but hey, it’s worth a shot! Having an emergency fund tucked away is your financial superhero cape. Think of it like a secret stash of cash you built up for rainy days (or leaky aircon days!). The best part? You avoid any loan drama and those sky-high interest rates.

Here’s the Winning Move: Set up your bank account to automatically transfer a bit of your paycheck (or salary bonus!) towards your savings every month. Even a small amount, like the money you make from your side hustle, can add up fast. This way, you’ll be building a safety net without even thinking about it. Then, when those emergencies pop up, you’ll have a nice chunk of cash ready to tackle them head-on!

2. Buddy Up & Borrow (from the good kind of friend)

Need a smaller amount? Maybe a close friend or family member can be your knight in shining armor. This can be a great option if you’re comfortable talking money with them and you have a solid repayment plan.

Turn Up the Awesome: Before borrowing, sit down and have a clear conversation. Agree on an interest rate (hey, even a token amount shows respect!), a specific repayment date, and stick to it! This keeps things transparent and avoids any misunderstandings down the road. Pro-tip: Don’t forget the power of gratitude! Bake them some cookies, write a heartfelt thank you note, or offer to help them out in return – good karma is always a good thing.

3. Instant Cash Loan: Fast Like Flash

Banks and licensed moneylenders offer instant cash loans. These are like fast cash superhero loans that can get approved super quickly, almost as fast as getting a library card (but way easier than memorizing that Dewey Decimal System stuff!). They’re a great option for emergencies when you need cash right away, like when your fridge decides to take a permanent vacation.

Instant loans can be a lifesaver in a pinch, but it’s important to be aware of the costs. Think of it like paying a small access fee to get to your money super-fast. The key is to use them only for true emergencies and have a plan to repay them quickly so you can avoid any extra fees. This way, you can get the cash you need fast without any long-term headaches!

Use Your Spidey Senses: Only use instant cash loans for true emergencies and borrow the exact amount you need. Think of it as a small, temporary solution, not a free money machine. Remember, responsible borrowing is key!

4. Credit Card Cash Advance: Plastic to the Rescue (use wisely!)

Do you have a credit card? It can act like a magic ATM card and let you take out cash when you really need it. But remember, it’s not without cost. Think of it as if there’s a hidden fee monster inside your card. This monster takes a bite out of your money whenever you use your card to get cash. The fees for doing this can be pretty big, so be careful and think twice before you decide to get cash on your credit cards!

Think Like a Chess Master: Cash advances come with high interest rates that start ticking immediately. Only do this if you can repay it immediately, like within your next billing cycle. Otherwise, that debt snowball gets heavy, fast, and you’ll be wishing you had used your superpowers for better financial decisions.

5. Personal Loan: Spread the Cost

Banks and money lenders offers personal loans with lower interest rates compared to credit card cash advance. Think of it as a more manageable way to borrow money. The downside? Approval might take a tad longer, like waiting in line for the hottest bubble tea flavor (totally worth it for the perfect sip, though!). But, the upside is you get more time to repay the loan, making it easier on your wallet.

Be a Financial Robin Hood: Shop around and compare different online personal loan options before you commit. Look for the lowest interest rate, low documentation fees, and a flexible repayment plan that fits your budget. Remember, borrowing is all about responsibility. Use it right, and you’ll be back to spending on fun things in no time!

Final thoughts: Before you jump into any loan, compare interest rates, fees, and repayment terms. Don’t be afraid to shop around! Also, be honest about how much you can afford to repay. These are just tools, use them wisely and you’ll be a financial whiz in no time!

There you have it! With a little planning and these handy tips, you can conquer those emergencies and get back to the fun stuff – like devouring your favorite chili crab without a care in the world! Just remember, borrowing is all about responsibility. Use it right, and you’ll be a financial whiz in no time!

Get a FREE PlayStation 5 Disc Version (worth $799) or the Dyson Airwrap (worth $859) when you apply for selected credit card from 28 Mar – 7 Apr 24

Ask us questions, discover the latest offers & more on Telegram.

We’ve got some thrilling news for you! SingSaver and SCB are teaming up to bring you an exciting Lightning Deal!

From 28 March to 7 April 2024, you have the chance to seize fantastic prizes like the PlayStation 5 Disc Version (worth $799) or the Dyson Airwrap (worth $859). Act fast, as the deal kicks off on 28 March at 3 pm!

Here’s what you need to know:

The first 500 applicants for the Standard Chartered Simply Cash Credit Card from 28 Mar, 3pm, will have the privilege to choose between these amazing rewards.
To qualify, spend a minimum of S$500 within 30 days of card activation and approval.

Winners will be announced on SingSaver’s contest winners page by September 2024.

Don’t worry if you are not the first 500! You can still choose from exclusive SingSaver gifts, such as:

Dyson SuperSonic (worth S$699)
Nintendo Switch OLED (worth S$549)
Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30)
S$330 cashback and up to S$90 e-Capita Voucher upon activating and spending a minimum of S$500 within 30 days of card approval.

For those who are unfamiliar with SingSaver, you can check out their reviews on Google:

Apply Now

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.

First 500th applicant: Receive a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers

501th applicant onwards: Receive a Dyson SuperSonic (worth S$699) or Nintendo Switch OLED (worth S$549) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or S$330 and get up to S$90 e-capitaland voucher

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

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 Sony, Apple, Dyson, Nintendo or any of its subsidiaries or its affiliates. The names Sony, Apple, Dyson, Nintendo as well as related names are registered trademarks of their respective owners.

Get a FREE Apple iPad 10th Gen (worth S$691.60), Dyson Airwrap (worth S$859) & more when you apply for UOB Credit Cards via SingSaver

Ask us questions, discover the latest offers & more on Telegram.

Are you ready for the BEST UOB Promotion EVER?

Starting 22 March at 12 pm, brace yourself for an EPIC Promotion that will blow your mind! SingSaver and UOB have joined forces to bring you an unbeatable offer that is one of the best in the market!

For the first time ever, users can choose from an amazing lineup of rewards including the coveted Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or the revolutionary Dyson Airwrap (worth S$859) or indulge in S$350 worth of vouchers of their choice! This offer is limited to the first 200 applicants.

New iPad 10th Gen

Not the first 200? Fret not! The 201st applicant onwards will still be receiving S$60 worth of vouchers of their choice! Plus, stand a chance to win a pair of Round Trip Business Class tickets to Tokyo, worth a staggering S$13,144!

As if that’s not enough, SingSaver rewards are stackable with UOB’s welcome offer, ensuring you receive even more benefits, cash credits, miles, and beyond!

The promotion will run till 31st March 2024.

Choose from the cards below:

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.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive S$350 cash credit for the first 200 new-to-UOB Credit Cardmembers

Requirements: Make a minimum spend of S$1,000 for 2 consecutive months from Card Approval date. New-to-bank cardmembers only.

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.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive S$350 cash credit for the first 200 new-to-UOB Credit Cardmembers

Requirements: Make a minimum spend of S$1,000 for 2 consecutive months from Card Approval date. New-to-bank cardmembers only.

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.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive S$350 cash credit for the first 200 new-to-UOB Credit Cardmembers

Requirements: Make a minimum spend of S$1,000 for 2 consecutive months from Card Approval date. New-to-bank cardmembers only.

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.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive S$350 cash credit for the first 200 new-to-UOB Credit Cardmembers

Requirements: Make a minimum spend of S$1,000 for 2 consecutive months from Card Approval date. New-to-bank cardmembers only.

UOB PRVI Miles Credit Card

Apply Now

Embark on a journey of boundless possibilities with the UOB PRVI Miles Credit Card, 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 Credit Card.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive up to 30,000 miles

Requirements: Make a minimum spend of $1,000 for 2 consecutive 30-day periods from Card Approval date, plus first-year annual fee and SMS enrollment. New-to-bank cardmembers only.

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.

SingSaver’s Offer:

The first 200 applicants: Get a FREE Apple iPad 10th Gen 10.9 Wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 vouchers
201st applicant onwards: S$60 worth of vouchers

(Vouchers: Choose from: eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride)

UOB’s Welcome Offer: Receive up to 31,000 miles

Requirements: Pay the first-year annual fee of S$194.40 (incl. GST) and make a minimum spend of S$2,000 within 60 days from card approval. New-to-bank cardmembers only.

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 can click here to check the rewards redemption status.

For redemption follow-ups and enquiries, drop an email with your details to [email protected]. More questions? Ask us on Telegram!

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.