Credit & Loan Archives | MoneyDigest.sg

Get a FREE Apple iPad 10th Gen 10.9 Wi-Fi 64GB (worth S$529) & more with this limited-time offer

Now is the perfect time to apply for a credit card!

For the month of July, SingSaver is rewarding new cardholders with a FREE Apple iPad 10th Gen 10.9 Wi-Fi 64GB (valued at S$52), Dyson Supersonic and much more.

Whether you’re looking to earn air miles or to enjoy cashbacks, these credit card offers are too good to miss!

New iPad 10th Gen

This promotion is a limited-time offer, so don’t miss out on the chance to grab these credit card sign-up offers!

Choose from any of the products below:

HSBC TravelOne Credit Card

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The HSBC TravelOne Credit Card opens up a world of elevated travel with its incredible features. This card stands out as the first HSBC credit card to offer instant redemptions with a wide array of airline and hotel partners, all accessible through your mobile app, providing unprecedented convenience. Additionally, you can earn up to 2.4 miles (6X Reward points) for every dollar spent, accelerating your journey towards your travel dreams. The card further enhances your travel experience with complimentary travel insurance coverage, including protection against COVID-19, airport lounge visits, and more. Moreover, its flexibility shines through with the option to split purchases across various tenors to suit your individual needs through HSBC Instalment Plans, ensuring that your travel experiences are tailored to your preferences.

Welcome gift: Receive a Dyson Supersonic™ hair dryer (worth S$699) or Apple iPad 10th Gen 10.9 wifi 64GB (worth $529) or Apple Watch Series 9 (worth $604.50) or S$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles

Requirements: Activate and spend min. S$1000 plus pay an annual fee of S$196.20 by end of the following calendar month from the card account opening date

HSBC Advance Credit Card

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The HSBC Advance Credit Card is a cashback credit card designed to help you save as you spend with up to 3.5% cashback without minimum spend. Spending less than S$2,000 monthly gets you 1.5% cashback while spending more than S$2,000 will get you 2.5% cashback. The maximum cashback you can earn per month is capped at S$70.

The extra 1% cashback can be earned when the HSBC Advance Cardholder also has an HSBC Everyday Global Account that fulfills S$2,000 of monthly deposit AND charges 5 qualifying Credit Card transactions.

Welcome gift: Receive a Dyson V8 Slim™ Fluffy (worth S$509) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30) or BEA Office Chair (worth S$509) or S$350 eCapitaVoucher

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

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.

Welcome gift: Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Heymax Miles (cost S$300) or S$320 eCapitaVoucher or S$300 cash via PayNow

Requirements: 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 Dyson TP10 (worth S$599) or 18K Heymax Miles (cost S$300) or S$320 eCapitaVoucher

Requirements: 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$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow

Requirements: 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. For example, you can earn 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you’ll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month. If you are looking for a versatile card, look no further than the Citi Rewards Card!

Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
Earn 10X Rewards^ (4 Miles) on online food delivery
Earn 10X Rewards^ (4 Miles) on online groceries

Earn 1X Reward on all other spend.

Welcome gift: Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow

Requirements: 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$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow

Requirements: 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: Get Dyson Supersonic™ hair dryer (worth S$699) or Apple IPad 10th Gen 10.9 wifi 64GB (worth S$529) or Apple Watch SE (GEN 2) GPS + Cellular 44mm (worth S$503.60) or S$350 Cash via PayNow

Requirements: Activate and spend a minimum S$600 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: Get a Dyson AM07 (worth S$459) or Sony WF-1000XM5 (worth S$429) or S$300 eCapitaVoucher or S$280 Cash via PayNow

Requirements: Activate and spend a minimum S$250 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: Get a Dyson AM07 (worth S$459) or Sony WF-1000XM5 (worth S$429) or S$300 eCapitaVoucher or S$280 Cash via PayNow

Requirements: Activate and spend a minimum S$250 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 an Apple AirPods Pro (worth S$365.70) or 15K Max Miles or S$280 eCapitaVoucher or S$250 Cash via PayNow

Requirements: Activate and spend S$500 within 30 days of card approval to be eligible for rewards

Here’s how to redeem your rewards:

Scroll through the list above and find a specific product that matches your need
Click on Apply Now and fill in your email address (SingSaver will be sending the redemption instructions here. Check SPAM folder if you don’t receive any emails)
Complete the application form from the bank and remember to take a screenshot so you can take note of the application reference number
Once your card is approved, check your email inbox for the reward redemption instructions from SingSaver (Check junk/spam inbox too)
Sign up for an account on SingSaver’s website to access the redemption form
Fill up the form with the application reference number and you are good to go!

For redemption follow-ups and enquiries, drop an email to [email protected]

This promotion is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Dyson, Apple, Nintendo, or any of its subsidiaries or its affiliates. The names Dyson, Apple, Nintendo as well as related names are registered trademarks of their respective owners.

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

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.

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!

Standard Chartered launches the new Journey Credit Card and you can earn up to 3 miles per dollar

The ‘X Credit Card’ is rebranded to the new ‘Journey Credit Card’ with enhanced benefits

Are you ready to embark on an incredible journey? Look no further than the Standard Chartered Journey Credit Card, the ultimate companion for all your travel aspirations. Packed with fantastic benefits and unmatched rewards, this card will take you places you’ve only dreamed of. Let’s dive into the incredible features that make this card a must-have for avid travelers.

First and foremost, the Standard Chartered Journey Credit Card offers an amazing welcome gift of up to 45,000 miles for new cardmembers! Yes, you read that right—just for joining the Standard Chartered family, you’ll receive a generous welcome gift that will kickstart your travel goals in the most extraordinary way possible. Imagine the possibilities as you jet off to your dream destinations, all thanks to this exceptional welcome offer.

Here’s how can you pick up the bonus miles:

Up to 25,000 miles: Earn additional 5 miles per dollar from eligible spends within 30 days of card approval, capped at S$5,000
10,000 miles: From annual fee payment of S$194.40
10,000 miles: From S$5,000 eligible foreign currency spends

This limited-time offer is is valid until 30 June 2023. T&Cs apply.

But the journey doesn’t end there. With the Standard Chartered Journey Credit Card, you’ll earn up to 3 miles for every dollar spent, ensuring that every purchase you make brings you closer to your next adventure. This is the only card where you can earn 3 miles for every S$1 spent on online transactions from transportation, grocery and food delivery merchants. On top of that, you can earn 2 miles per S$1 for foreign spends and 1.2 miles for every S$1 spent locally.

Whether it’s booking flights, accommodation, dining at your favorite restaurants, or indulging in retail therapy, your spending will be rewarded with miles that can be redeemed for flights, hotel stays, and a variety of other travel experiences. With this card, every dollar spent is an opportunity to unlock remarkable rewards.

But that’s not all. The Standard Chartered Journey Credit Card comes with a host of other enticing benefits designed to enhance your travel experiences. Enjoy exclusive access to airport lounges, where you can relax and unwind before your flight. Take advantage of complimentary travel insurance that provides coverage for you and your loved ones, giving you peace of mind wherever you go. Additionally, the card offers attractive dining and lifestyle privileges, allowing you to enjoy discounts and special offers at a wide range of partner establishments.

Applying for the Standard Chartered Journey Credit Card is quick and easy. Simply fill out the online application form on SingSaver to get started. As part of an ongoing offer till 31 May 2023, you will also receive an additional $20 Cash via PayNow plus 1x ReboundTag, on top of the 45,000 miles!

For more information about the Journey Credit Card, click here.