Best Credit Card Promotions in Singapore (Sep-Oct 2023): Citibank, DBS, HSBC, UOB, and More
When it comes to credit card promotions these days, we’re spoilt for choice. Banks offering credit cards in Singapore are competing so hard for new customers that they are practically raining Apple products, Nintendo Switches, ergonomic chairs, cold hard cash and other freebies on us.
But which are the best credit card promotions in Singapore? Here are our picks from Citibank, Standard Chartered, UOB, DBS, and more.
Contents
An overview: Best credit card promotions in Singapore (Sep-Oct 2023)
1. Citibank credit card promotion
Looking to sign up for a new Citibank credit card? Well, you’re in luck! Here’s the spread of what Citibank has to offer this month:
$300 Cash via PayNow
Nintendo Switch OLED ($549)
$450 Amazon Vouchers
Sony WH-1000XM5 ($575)
Apple iPad 9 ($503.65)
ErgoTune Supreme V3 ($599)
All you need to do is sign up for one of the following Citibank credit cards via MoneySmart and spend $500 within 30 days. You’ll also stand a chance to win a MacBook Air M2 15-inch, an Apple iPhone 14 Pro, or an Apple Watch Ultra in our MoneySmart Apple Lucky Draw!
There are 4 Citibank credit cards on promotion. Our top pick is the Citi Cash Back+ Mastercard, an unlimited cashback card with no monthly minimum spend.
MoneySmart Exclusive
Faster Gift Redemption | MONEYSMART LUCKY DRAW
Citi Cash Back+ Mastercard®
MoneySmart Exclusive:
[MONEYSMART LUCKY DRAW]
Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply
PLUS stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra today! T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
1.6% cashback on your spend
No minimum spend required and no cap on cash back earned
Cash back earned does not expire
Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$194.40 |
S$97.20 |
First year annual fee waived |
1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is greater |
25 days |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$42,000 |
Documents Required
SG Citizens or PRs |
|---|
6 months |
6 months |
With Full Name and Address |
Wireless Payment
MasterCard PayPass |
|---|
Card Association
If you’d prefer a miles card, the Citi PremierMiles Card lets you earn Citi Miles that never expire.
MoneySmart Exclusive
Faster Gift Redemption | MONEYSMART LUCKY DRAW
Citi PremierMiles Card
MoneySmart Exclusive:
[MONEYSMART LUCKY DRAW]
Get an Apple iPad Wi-Fi, 64GB 9th Gen (worth S$503.65) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) or S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply.
PLUS stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra today! T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
S$1 = 1.2 Citi Miles on Local spend (no min. spend)
S$1 = 2 Citi Miles on Foreign currency spend
Annual Fee Applies
Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee
Citi Miles never expire
Priority Pass membership gives you access to more than 600 airport lounges twice a year
™ Priority Pass membership is on application basis and is reserved for the Principal cardmember only, limited to 2 complimentary visits per calendar year
Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$194.40 |
S$97.20 |
1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher |
25 days |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$42,000 |
Documents Required
SG Citizens or PRs |
|---|
6 months |
6 months |
With Full Name and Address |
Wireless Payment
MasterCard PayPass |
|---|
Card Association
Here’s a summary of all the Citibank credit cards with ongoing promotions:
Citibank credit card | Key features | Promotion | Valid until |
1.6% cashback that never expires. No minimum spend required and no cap on cash back. | Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth $575) OR a Nintendo Switch OLED Gaming Console (worth $549) OR a $450 Amazon SG Gift Card OR $300 Cash via PayNow when you apply and spend a min. of $500 in “Qualifying Spends” within 30 days from card approval date. Plus stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra. | 7 Sep 2023 | |
6% cashback on dining, 8% cashback on groceries and petrol. | |||
10X Rewards on online purchases, ride-hailing and shopping. | |||
$1 = 1.2 Citi Miles on Local spend and 2 Citi Miles on Foreign currency spend. Citi Miles never expire. | Apple iPad Wi-Fi, 64GB 9th Gen (worth $503.65) OR a Nintendo Switch OLED Gaming Console (worth $549) OR a Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth $575) or $300 Cash via PayNow when you apply and spend a min. of $500 in “Qualifying Spends” within 30 days from card approval date. Plus stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra! |
Other Citibank credit cards, such as the Citibank SMRT Card and Citibank Lazada Card, do not have any ongoing promotions.
2. Standard Chartered credit card promotions
There are a few Standard Chartered credit card promotions ongoing this month that are all very enticing. It’s hard to pick the best, but the Standard Chartered Simply Cash Credit Card promotion comes up top in terms of cash value. This card is an unlimited cashback card with no cashback cap and no minimum spend.
Sponsored
MoneySmart Exclusive
Earn Unlimited 1.5% Cashback | UPSIZED CASH
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive:
[UPSIZED CASH]
Get up to S$360 Ultra Upsized Cash via PayNow* OR an Apple Watch SE, 40mm GPS (worth S$379) OR a Nintendo Switch OLED (worth S$549) OR a Hinomi H1 Pro Ergonomic Chair (worth S$619) when you apply and spend a min. of S$500 in Eligible Transactions. T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
Flat 1.5% cashback rate for all eligible purchases
No cashback cap and no minimum spend
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life benefits program
2 year annual fee waiver, no minimum spend required
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$194.40 |
S$0 |
First 1 year waived |
S$50 OR 1% of principal / interest, fees & charges / overlimit amount / past due amount, whichever is higher |
Available |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$60,000 |
Wireless Payment
Visa Contactless |
|---|
Card Association
Mastercard |
|---|
If you spend less than $500 a month, but at least $250, the Standard Chartered Rewards+ Credit Card and Standard Chartered Smart Credit Card are good options. These will give you $250 cash or an Apple AirPods 3rd Generation (worth $271.50) if you spend $250 within 30 days. That’s giving the full amount you spent back to you!
MoneySmart Exclusive
Earn up to 10X Rewards Points
Standard Chartered Rewards+ Credit Card
MoneySmart Exclusive:
Get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50) when you apply and spend a min. of S$250 in Eligible Transactions. T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
10X Rewards Points per S$1 spent in foreign currency, including online spends
5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
1X Rewards Points per S$1 on all other spends
2 years annual fee waiver, no minimum spend required
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
MoneySmart Exclusive
Earn up to 6% Cashback
Standard Chartered Smart Credit Card
MoneySmart Exclusive:
Get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50) when you apply and spend a min. of S$250 in Eligible Transactions. T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
0% interest 3-month EasyPay on all eligible expenditure with 100% cashback on fees. Earn Rewards Points on your instalments.
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life benefits program
6% cashback on your everyday spend at your favourite merchants across fast food dining, coffee and toast, digital subscriptions and on your daily commute (Bus/MRT). No minimum spend requirement.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Here’s a summary of all Standard Chartered credit card promotions this month:
Standard Chartered credit card | Key features | Promotion | Valid until |
1.5% cashback rate with unlimited cashback and no minimum spend | $340 Cash via PayNow OR an Apple Watch SE, 40mm GPS (worth $382.50) OR a Nintendo Switch OLED (worth $549) OR a Hinomi H1 Pro Ergonomic Chair (worth $619). Get a Sony PlayStation®5 Digital Edition Console (worth $669) when you are one of the first 2 successful applicants to submit the MoneySmart Claim Form at 2PM and one of the first 2 successful applicants to submit the MoneySmart Claim Form at 9PM daily. Get $20 Cash Bonus when you place your card on file and spend a minimum of $20 at any of the following eligible merchants (Shopee, Lazada, TaoBao, Netflix, Carousell, Ezbuy, Qoo10) within the first 30 days from card approval. | 22 Sep 2023 | |
6% cashback on digital subscriptions, at fast food outlets and daily commutes | $250 Cash via PayNow OR Apple Airpods 3rd Generation (worth $271.50). | 30 Sep 2023 | |
10X Rewards Points per $1 spent in foreign currency, 5X Rewards Points per $1 local dining spend | |||
3 miles per $1 spent on online Transportation, Food Delivery & Online Grocery transactions | Stand to receive a MVST Trek Aluminium Carry-on Luggage (worth $557) OR a MVST Trek Aluminium Large Luggage (worth $796). Flash deal valid until 27 Sep 2023. Earn up to 35,000 Miles when you meet the eligible spends AND have your first year Annual Fee waived when you sign up for the Journey Credit Card OR earn up to 45,000 Miles when you meet the eligible spends and pay your card’s first year Annual Fee when you sign up. | 30 Sep 2023 |
The other Standard Chartered credit cards don’t have ongoing sign-up promotions this month. Wondering what happened to the Standard Chartered X Card, with its infamous 100,00 miles sign-up promotion? The X card got X-ed, and has been replaced by the Standard Chartered Journey Credit Card.
3. CIMB credit card Promotion
There are 3 ongoing credit card promotions for those new to CIMB credit cards.
The most accessible CIMB credit card is the CIMB World Mastercard, which has a $0 minimum spend per month. (Note, however, that you’ll need to hit $500 a month to enjoy the card’s higher 2% unlimited cashback rate.)
MoneySmart Exclusive
FLASH DEAL | Cash Bonus
CIMB World Mastercard
MoneySmart Exclusive:
[CASH BONUS FLASH DEAL]
Get S$300 Cash via PayNow OR $320 eCapita Vouchers OR an Apple Watch SE, 40mm GPS (worth $382.50) OR a Titan V1 7 Speed Foldable Bike (worth S$399) when you apply and spend a min of S$988.
PLUS get S$30 Cash Bonus via PayNow when you sign up through MoneySmart! T&Cs apply.
Additionally, enjoy up to 3% Unlimited Cashback* from CIMB with min. spend of S$2,500 per month. T&Cs apply. T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
2% Unlimited Cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods. 1%* Cashback on all other spends.
1% Unlimited Bonus Cashback with min. spend of S$2,500 per month. Promo valid till 31 Oct 2023.
Access to Over 1,000 Airport Lounges via Mastercard® Airport Experiences Provided by LoungeKey
50% Off Green Fees at golf courses across the region
No annual fees for life
Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards
Access to over 1,000 regional deals & discounts across Singapore, Malaysia and Indonesia
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$0 |
Free |
Available |
3% or S$50, whichever is higher |
23 days |
Minimum Income Requirements
Wireless Payment
Card Association
Here are all the CIMB credit card promotions:
CIMB credit card | Key feature(s) | Promotion | Valid until |
2% unlimited cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods. No annual fees for life. | Get $300 Cash via PayNow OR $320 eCapita Vouchers OR an Apple Watch SE, 40mm GPS (worth $382.50) OR a Titan V1 7 Speed Foldable Bike (worth $399) when you apply and spend a min of $988. PLUS get $30 Cash Bonus via PayNow when you sign up through MoneySmart. Additionally, enjoy up to 3% Unlimited Cashback* from CIMB with min. spend of $2,500 per month. | 30 Sep 2023 | |
10% cashback on Beauty & Wellness, Online Shopping, Groceries and more, capped at $100 per month and up to $20 per category. Minimum spend $800. | |||
2% unlimited cashback on Travel, Overseas, Online Spend in Foreign Currencies with $2,000 minimum monthly spend. |
4. AMEX credit card promotions
Are you a Singapore Airlines (SIA) loyalist? This month, AMEX credit cards are offering up to 21,500 KrisFlyer miles and Samsonite Choca Spinner 68/25 (worth $700) if you sign up for the American Express Singapore Airlines Business Credit Card via MoneySmart.
If you aren’t a frequent SQ flyer, the American Express Platinum Credit Card might pique your interest instead:
MoneySmart Exclusive
American Express Platinum Credit Card
Get up to S$200 Statement Credits from Amex when you apply, pay the card's Annual Fee, and spend a min of S$3,000 within three month of card approval. T&Cs Apply.
Valid until 31 Oct 2023
More Details
Key Features
Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants.
Enjoy Chillax By Platinum privileges. Enjoy a drink on the house at places like Anti:Dote and The Auld Alliance
Enjoy up to 40% off à la carte spa services at Adeva Spa, Spa Rael and The Ultimate
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Here are all the American Express credit card promotions this month:
American Express credit card | Key feature(s) | Promotion | Valid until |
American Express Singapore Airlines KrisFlyer Ascend Credit Card | $1 local spend = 1.2 KrisFlyer miles | Up to 21,500 SIA KrisFlyer miles (equivalent to a return trip to Bali OR 1-way trip to Perth/Darwin via Singapore Airlines) with $1,000 spend and annual fee payment within 30 days. | 2 Oct 2023 |
Up to 8.5 HighFlyer Points per $1 spent on eligible Singapore Airlines and Scoot flights | Get a Samsonite Choca Spinner 68/25 (worth $700) upon Annual Card Fee payment and minimum eligible spending of $500 in the first month of Card approval. PLUS enjoy a welcome offer of up to 74,400 HighFlyer points (worth $708), a complimentary Accor Plus membership (worth $418 offering a free night’s stay every year), and up to 20,000 HighFlyer points (worth $190). | 3 Oct 2023 | |
$1.60 spend = 10 Points at participating Platinum EXTRA Partners / 2X Points on all other spend | Up to $200 Statement Credits from Amex with $3,000 minimum spend and annual fee payment within 3 months. | 31 Oct 2023 | |
$1.60 spend = 2 Membership Rewards | Samsonite Sigma Spinner 76cm Expandable Luggage (worth $600) and up to 43,750 worth of Membership Rewards points from Amex with $3,000 minimum spend and annual fee payment within 60 days. | 18 Sep 2023 |
This month, the American Express True Cashback Card, American Express Singapore Airlines KrisFlyer Credit Card, and American Express CapitaCard, do not have any ongoing promotions.
5. UOB credit card promotions
This month, UOB is full of credit card promotions. Currently, there are 2 main types of UOB credit card promotions—cashback and/or Grab vouchers,and miles.
One of the most accessible UOB credit cards is the $0 minimum spend UOB Absolute Cashback Card, which will get you $350 Cash Credit this month.
MoneySmart Exclusive
Online Promo
MoneySmart x UOB GIVEAWAY
UOB Absolute Cashback Card
MoneySmart Exclusive:
[MoneySmart GIVEAWAY]
Stand to receive a ASUS Vivobook x BAPE ® (worth S$2,349) OR a Sony PlayStation®5 Disc Console (worth S$799) OR a Nintendo Switch OLED (worth S$549) when you successfully apply for an eligible UOB Credit Card through MoneySmart and meet the Giveaway eligibility criteria! T&Cs apply.
PLUS receive up to S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
Valid until 17 Oct 2023
More Details
Key Features
1.7% limitless cashback on everything, including groceries, insurance, school fees, wallet top-ups, healthcare, Utilities & Telco Bills and Rental
No minimum spend
No minimum spend
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$194.40 |
1st supplementary card free; $97.20 for subsequent cards |
1st year fee waiver |
3% or S$50, whichever is higher |
21 days |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$40,000 |
Documents Required
SG Citizens or PRs |
|---|
At least 6 months' validity |
EP or S Pass only with at least 6 months’ validity |
Latest Billing Proof |
N/A |
Yes |
Card Association
With a 50,000 miles bonus, the UOB PRVI Miles Card offers one of the biggest miles promotion this month:
MoneySmart Exclusive
Online Promo
MoneySmart x UOB GIVEAWAY
UOB PRVI MASTERCARD Miles Card
MoneySmart Exclusive:
[MoneySmart GIVEAWAY]
Stand to receive a ASUS Vivobook x BAPE ® (worth S$2,349) OR a Sony PlayStation®5 Disc Console (worth S$799) OR a Nintendo Switch OLED (worth S$549) when you successfully apply for an eligible UOB Credit Card through MoneySmart and meet the Giveaway eligibility criteria! T&Cs apply.
PLUS get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.
Valid until 17 Oct 2023
More Details
Key Features
Earn 6 miles with every S$1.00 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
Earn 2.4 miles for every S$1.00 spent overseas (including online shopping from overseas websites), and 1.4 miles for every S$1.00 spent locally
Choice to redeem for miles, cash rebate or vouchers
Complimentary Public Conveyance Personal Accident cover of S$500,000 and up to S$50,000 Emergency Medical Evacuation & Repatriation including illness due to COVID-19. T&Cs apply.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Here’s a summary of all ongoing UOB credit card promotions this month:
UOB credit card | Key features | Promotion | Valid until |
Up to 15% rebate on Shopee, Dairy Farm Group, Grab, SP. Minimum spend of $2,000 per month. | Up to 15% cashback and $350 Cash Credit with $1,000 spend per month for 2 months. | 30 Sep 2023 | |
UOB Absolute Cashback Card | 1.7% limitless cashback with no minimum spend | Up to $350 Cash Credit for first 200 new-to-UOB customers who spend $1,000 per month for 2 months. | 30 Sep 2023 |
8% cashback on Online and Mobile Contactless spend with $600 monthly spend | Get up to $500 worth of Grab Vouchers with $1,000 spend per month for 2 months. | 31 Oct 2023 | |
Up to 30 miles per $5 spent on your preferred category with no min. spend required. | Receive up to $350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply and spend a min. of $1,000 per month, for 2 consecutive months from the card approval date. | 30 Sep 2023 | |
UOB PRVI Miles Credit Card (MASTERCARD / VISA / American Express) | $1 local spend = 1.4 miles; $1 overseas spend = 2.4 miles. No minimum spend and no cap on earned miles. | Receive up to $350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply and spend a min. of $1,000 per month, for 2 consecutive months from the card approval date. | 30 Sep 2023 |
$1 = 3 KrisFlyer Miles (with $800 annual spend on Singapore Airlines Group) $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases | Up to 31,000 miles and first year annual fee of $194.40 (inc GST) waived with $2,000 spend within 60 days. | 30 Sep 2023 |
MoneySmart is also holding a giveaway (until 17 Oct 2023) for eligible cardholders of the following cards:
Absolute Cashback Card
One Card
EVOL Credit Card
Lady’s Card
PRVI Mastercard Miles Card / PRVI Visa Miles Card / PRVI Miles American Express Card
KrisFlyer Credit Card
At the time of writing, the UOB Preferred Platinum Visa Card and UOB Visa Infinite Metal Card have no ongoing promotions.
6. HSBC credit card promotions
Check out all the HSBC credit cards for the latest credit card promotions.
Among their cards, our top pick is the HSBC Revolution Credit Card. The most accessible card with $0 minimum spend, this card is great for earning points through everyday spending.
MoneySmart Exclusive
Earn Points for Everyday Spending
HSBC Revolution Credit Card
Get a Samsonite ZELTUS 69cm Spinner Exp Luggage with built-in scale (worth S$680) or S$150 cashback for new HSBC credit cardholders. Existing HSBC credit cardholders receive $50 cashback. Min. spends of S$1,000 upon card approval required and marketing consent provided upon applying. T&Cs apply.
Valid until 31 Dec 2023
More Details
Key Features
10X Reward points (equivalent to 4 miles or 2.5% Cashback) on online purchases and contactless payments.
1X Reward point for all other types of spending.
No min. spend required.
No annual fee
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Cap of 10,000 rewards points per calendar month on eligible purchases. Other terms apply.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$0 |
S$0 |
3% or S$50, whichever is greater |
20 days |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$40,000 |
Wireless Payment
Visa Contactless |
|---|
Card Association
HSBC credit card | Key features | Promotion | Valid until |
$1= 10X Points on Online Spend and Contactless Payments $1= 1X Points on all other spend Earn 4 Miles for every 10 points | Get a Samsonite ZELTUS 69cm Spinner Exp Luggage with built-in scale (worth $680) or $150 cashback for new HSBC credit cardholders. Existing HSBC credit cardholders receive $50 cashback. | 31 Dec 2023 | |
5% cash rebate on local dining and groceries (food deliveries and online groceries included). 5% cash rebate cap per quarter 1X Reward point per dollar spent. | |||
1.5% base cashback 2.5% cashback owhen you spend more than $2,000. 1% bonus cashback on all your credit card spending with HSBC Everyday+. | |||
$1 = 1.2 miles on local spend $1 = 2.4 miles on foreign currency spend | Up to 20,000 Miles (in the form of 50,000 Reward points) | 31 Dec 2023 |
7. DBS credit card promotions
The juiciest DBS credit card sign-up promotions this month are a $250 cashback promotion and a 60,000 miles promotion. The former applies to the DBS yuu Card—yes, the namesake of that annoying jingle that’s been blaring in our supermarkets!
Online Promo
DBS yuu Visa Card
Online Promo:
Get S$250 cashback (New Cardmembers) or up to S$80 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$500 within 30 days of card approval. T&Cs apply.
Valid until 30 Sep 2023
More Details
Key Features
Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap
Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month
Earn 0.5% cash rebates / 1x yuu Point on all other spend
Great for daily essentials like groceries, dining, telco and recreation
yuu merchant includes Cold Storage, Giant, Guardian, BreadTalk, ToastBox, Food Republic, Food Junction, Mandai Wildlife Group and many more.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
The DBS Vantage Visa Infinite Card comes with a fat miles welcome gift this month, but do note that this is not an entry-level miles card:
Online Promo
Miles or Cashback – you decide
DBS Vantage Visa Infinite Card
Online Promo:
Get up to 60,000 miles when you sign up with promo code VANMILES and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 Jan 2024
More Details
Key Features
1.5 miles or 1.5% cashback for every S$1 local spend
2.2 miles or 2.2% cashback for every S$1 overseas spend
Switch your rewards flexibly between up to 2.2 miles per S$1 or 2.2% Cashback
Receive 25,000 bonus miles (in the form of 12,500 DBS Points) when you pay the annual fee of S$594 (exclusive of GST)
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Here’s the full list of ongoing DBS credit card promotions:
DBS credit card | Key feature(s) | Promotion | Expiry |
DBS yuu Card (Visa / American Express) | 5% Cash Rebate / 10x yuu Points with no minimum spend and no cap. | $250 cashback (new cardmembers) or $80 cashback (existing cardmembers) with $500 minimum spend within 30 days. | 30 Sep 2023 |
DBS Altitude Card (Visa Signature / American Express) | $1 spend = 10 miles that never expire. Get 10,000 miles upon paying annual fee of $194.40. | Up to 40,000 miles with $2,000 spend within 30 days | 30 Sep 2023 |
1.5 miles or 1.5% cashback per $1 local spend; 2.2 miles or 2.2% cashback per $1 overseas spend | Up to 60,000 miles with $4,000 minimum spend and payment of annual fee within 30 days. | 30 Sep 2023 |
These other DBS credit cards do not have ongoing sign-up promotions:
DBS Esso Card
DBS Takashimaya AMEX Card
A word on the DBS Woman’s and Woman’s World Card: Don’t be fooled by the name. You can apply for these cards no matter your gender.
8. POSB Credit Card Promotion
The POSB Everyday Card is a straightforward cash rebates card with no minimum spend. You can apply for it to make the most out of your day-to-day spending. Check back to view the POSB Everyday Card’s latest promotions.
Online Promo
Earn Cash Rebates that Never Expire
POSB Everyday Card
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024
More Details
Key Features
No minimum spend
Base cashback rate: 0.3% POSB Daily$ rebate for all purchases
Activate SimplyGo to use your card as an EZ-Link card. SimplyGo charges MRT and bus fares to your credit card, eliminating the need for auto top-ups
Link the POSB Everyday Card to your DBS or POSB Savings or Current account to use card at ATM
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
Annual Interest Rate and Fees
Annual Interest Rate |
|---|
S$194.40 |
S$97.20 |
First year waived |
3.00% or S$50, whichever is higher |
25 days |
Minimum Income Requirements
Singaporean/PR Minimum Income |
|---|
S$45,000 |
Wireless Payment
MasterCard PayPass |
|---|
Card Association
9. OCBC credit card promotions
If you’ve been looking for a sign to get on board the OCBC train, this is it. MoneySmart is holding an exclusive giveaway with OCBC which gives you the chance to bag an Apple MacBook Air 15-inch M2 Chip, an Apple iPad 10.2inch (9th Gen) or an EverDesk+ Lite Standing Table. You may enter the giveaway on top of enjoying ongoing OCBC promotions:
OCBC credit card | Key feature(s) | Promotion | Expiry |
15x OCBC$ (equivalent to 6 air miles) per $1 spent on eligible online and retail purchases at Apple, Shopee, H&M and more (limited time only) 1x OCBC$ on all other eligible purchases | Get a Samsung 27-inch M5 Smart Monitor (worth $554) OR a ErgoTune Classic Ergonomic Chair (worth $399) or $270 eCapita Vouchers OR $250 Cash via PayNow when you apply and spend a min. of $500 in Qualifying Spend within 30 days of card approval. | 30 Sep 2023 | |
1.3 Travel$ with every $1 spent on Local Currency | |||
5% cashback on everyday dining 6% cashback on fuel spend locally and overseas 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills | Get a Samsung 27-inch M5 Smart Monitor (worth $554) OR a ErgoTune Classic Ergonomic Chair (worth $399) OR $280 upsized Cash via PayNow when you apply and spend a min. of $500 in Qualifying Spend within 30 days of card approval. | 30 Sep 2023 | |
Frank Card | Up to 10% cashback |
Credit card promotions—is there a catch?
With free AirPods Pro, ergonomic standing desks and thousands of miles raining down on us, you might be wondering: Is there a catch to all these freebies?
Truth is, there is one drawback to signing up for credit card promotions: You won’t be eligible for more freebies in the future. Well, at least for a year. Here’s how it works:
Banks and comparison sites like MoneySmart usually offer the best giveaways for new sign ups. Usually this is defined as people who either:
Have never ever owned a credit card from that bank, OR
Cancelled their card at least 12 months ago
If you’re thinking of gaming the system by cancelling your card and re-applying, tough luck!
Another thing to note is that you must hit the minimum spend to get your reward. If you’re really lucky, you’ll get your shiny new iPad or cashback immediately upon card approval. However, most banks require you to spend a minimum sum (say, $1,000 in the first month) and sometimes even fork out the first year’s annual credit card fee (goodbye, fee waiver!). After all that, banks will make you wait a few months before you can even smell the freebie.
So what’s the lesson here? Read the T&Cs carefully, and only sign up when you’re confident you can hit the minimum spend.
Read more about the best air miles, cashback, and rewards credit cards! Plus, learn the differences between air miles vs cashback vs rewards credit cards.
The post Best Credit Card Promotions in Singapore (Sep-Oct 2023): Citibank, DBS, HSBC, UOB, and More appeared first on the MoneySmart blog.
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The post Best Credit Card Promotions in Singapore (Sep-Oct 2023): Citibank, DBS, HSBC, UOB, and More appeared first on MoneySmart Blog.
Original article: Best Credit Card Promotions in Singapore (Sep-Oct 2023): Citibank, DBS, HSBC, UOB, and More.
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