HSBC 6-Month and 12-Month Time Deposit Promotion

Enjoy up to 1.35% p.a.* on a 6-month SGD time deposit and attractive rewards* worth up to S$450 and more.

Time Deposit Option	New and Existing	New and Existing
(SGD)	HSBC Premier Customers	HSBC Advance Customers
6-month	1.35% p.a.	1.30% p.a.

The minimum and maximum fresh funds placement amounts for the SGD TMD Promotion are S$30,000 and S$1,500,000 respectively. For placement amount greater than S$1,500,000, please contact either HSBC or your Relationship Manager.

Minimum placement amount in fresh funds	Rewards+
S$200,000	S$50 Dairy Farm shopping vouchers
S$500,000	S$150 Dairy Farm shopping vouchers
S$1,000,000	S$450 Dairy Farm shopping vouchers

Time Deposit Option	New and Existing	New and Existing
(SGD)	HSBC Premier Customers	HSBC Advance Customers
12-month	1.40% p.a.	1.35% p.a.

Minimum placement amount in fresh funds	Rewards+
S$200,000	S$80 Dairy Farm shopping vouchers
S$500,000	S$250 Dairy Farm shopping vouchers
S$1,000,000	S$650 Dairy Farm shopping vouchers

+ Only HSBC Premier customers residing in Singapore who place minimum fresh funds of S$200,000 in a new 6-month or 12-month SGD TMD during the Promotional Period are eligible to receive Dairy Farm shopping vouchers.


Promotion is valid till 31 March 2015.


Please refer to the website for more details.

HSBC Advance Welcome Rewards Promotion

If you sign up for a new HSBC Advance relationship now, you will

• Stand to enjoy welcome gifts worth up to S$150 upon sign-up and qualifying for HSBC Advance, the HSBC Advance Visa Platinum credit card and Personal Internet Banking

• Enjoy up to 1.145% p.a. preferential interest rates for up to 3 months on your incremental average daily balance

• Get a cash credit of S$35 upon FX conversion with Worldwide Transfer and a successful online overseas telegraphic transfer transaction in foreign currency of a minimum amount of S$10,000 (or foreign currency equivalent)

• Enjoy a free one-month premium offer on any new regular premium life insurance plan.

Do note that this Promotion is only limited to the first 800 Eligible Customers who successfully sign up for a new HSBC Advance relationship with the Bank during the Promotional Period.

To qualify for the Welcome Reward of $70 direct cash credit, an Eligible Customer must satisfy the following criteria:

Enrol in HSBC Advance through :-

(a) (i) Total Relationship Balance ("TRB") eligibility criteria by placing a minimum of S$30,000 in deposits and/or purchase investments and/or insurance (cash / surrender value) with the Bank using fresh funds during the Promotional Period, which must be maintained with the Bank for at least 90 consecutive days from the date such funds are fully deposited; OR

(ii) salary crediting of at least S$3,750 every month for at least 2 consecutive months; OR

(iii) reoccurring deposit of at least S$2,500 every month for at least 2 consecutive months;

AND

(b) sign up for Personal Internet Banking.

HSBC Advance Visa Platinum Credit Card
Sign Up Gift - S$80 Cash Rebate
This Promotion is only applicable to new applicants of HSBC's Advance Visa Platinum credit card who submit Card applications during the Promotional period.

To be eligible for the $80 Cash Rebate, a minimum of one Qualifying Transaction must be charged to the newly issued Card within one month of issuance of the Card approved under this Promotion.

HSBC Advance is a tier of preferred banking below HSBC Premier banking and is targeted at middle-income bank customers and those with potential to become priority banking customers later on.

This Promotion is valid from 02 January 2015 to 31 March 2015

Please refer to the website for more details.

Best Credit Cards for Petrol 2015

So, which credit cards offer the best discounts on petrol? There are some questions you need to ask yourself. Are you a creature of habit who will only pump petrol with a certain brand or you are a spontaneous person who is not brand conscious and will pump petrol at the nearest petrol station?

Where you pump your petrol will affect which card is right for you as banks usually have tie-ups with one or two brands. The Citibank Dividend Card offers up to 18.3% savings at Esso and Shell while HSBC Visa Platinum Card offers up to 18.3% at Shell and Caltex with minimum monthly spending of $800 for each qualifying quarter. OCBC 365 Card on the other hand requires minimum monthly spending of $600 for the rebates to apply, otherwise only 0.3% cash rebates are awarded. In terms of flexibility, Citibank Dividend Card comes up tops and does not come with a monthly minimum spending requirement. However, to qualify for the rebates, each transaction must be $50 and above, which should be easily met if we are talking about a full tank of fuel.

Car owners typically spend $300 to $400 on petrol each month and credit cards typically offer 5% up to 20% discount / rebate on your petrol spend which can add up to a lot in a year.

Below is a summary of how much savings you can potentially get at the various fuel stations.

	Savings offered at
	Esso	Caltex	Shell	SPC
Citibank	Up to 18.3%	Up to 5%	Up to 18.1%	Up to 5%
HSBC	Up to 5%	Up to 18.3%	Up to 19.2%	Up to 5%
OCBC	Up to 18.3%	Up to 18.3%	Up to 5%	Up to 5%
UOB		Up to 21.7%		Up to 20%

Based on data provided on sgcarmart.com, there are a total of 190 petrol kiosks in Singapore -
Esso (63), Shell (58), SPC (40), Caltex (29)

The Best Credit Cards are:

The Citibank Dividend Card which promises more savings on petrol, groceries and health & beauty / pharmacies spend, dining spend and 0.5% on all other spend. What we like about the card is that it does not have any monthly spending requirements and you can have the flexibility of pumping your petrol at all fuel stations in Singapore and get some form of rebate / discount. However, one thing to note is that all eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. It is an amount that is not too difficult to hit if you pump a full tank each time. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. 

Savings at Esso - up to 18.3%

Esso site discount	Esso Smiles Card discount	Citibank Card discount	Citibank DIVIDEND Card*	Total Savings
5%	5%	4%	5% Cash rebate (on nett purchase)	18.30%

Savings at Shell - up to 18.1%

Shell site discount	Shell Escape discount	Citi Rebate (Applies after Shell discount)	Citibank DIVIDEND Cashback (applies after Shell Discount)	Total Savings
5%	5%	4%	5%	18.10%

Current Promotion
Online Festive Special: Get a $68 Instant Citi Rebate when you apply for two Credit Cards and a Ready Credit account.

Click here to Apply Now and we will direct you to the official card issuer's website.

HSBC Premier MasterCard Credit Card is the card that offers up to 19.16% savings at Shell and up to 18.6% savings at Caltex.

This card is only offered only to HSBC Premier customers. To start an HSBC Premier relationship, a minimum of S$200,000 in deposits, investments and/or insurance is required.

Current Promotion

Be rewarded with up to 15,000 air miles when you sign up for HSBC Premier MasterCard along with supplementary applicant today.

Click here to Apply Now and we will direct you to the official card issuer's website.

Alternatively, the HSBC Visa Platinum Credit Card also allows you to enjoy cash rebates of up to 5% on petrol and also 14% instant petrol discounts at all Caltex and Shell stations, that is up to 18.3% savings. Not forgetting up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme with a minimum spending of $800 per month for all 3 months in a quarter. The rebates earned are subject to the conditions below.

 

 

Savings at Shell - up to 19.16%

 

HSBC Card Privileges at all Shell Stations	Instant site discount +	Additional HSBC cash rebates**	Effective savings
	Shell Escape card discount +
	exclusive HSBC instant discount*
HSBC Premier MasterCard® Credit Card	14%	6%#	19.16%
		OR
		3%+	16.58%
HSBC Visa Infinite/HSBC Visa Platinum	14%	5%#	18.30%
		OR
		3%+	16.58%
Other HSBC Credit/Debit Cards	14%	-	14%

* 14% instant discount is applicable for Shell fuel purchase only. 14% discount is calculated based on 5% site discount + 5% Shell Escape discount + 4% HSBC credit/debit cards discount. Excludes non Singapore issued Credit/Debit cards and HSBC Corporate Cards.
# Subject to minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter.
+ Subject to minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter.
** Rebates are capped at S$60 or S$120 (as the case may be) per Account per Quarter.

HSBC-Shell Escape Programme

With HSBC-Shell Escape programme, earn 1 Shell Escape point for every $5 charged to your HSBC credit cards and get 20% more Shell Escape points when you pump Shell V-power.

Refer to the illustration below to see how you can accelerate your fuel savings with HSBC-Shell Escape Programme:

If you charge S$2,000 (including S$200 at Shell) monthly on your HSBC credit card:

Monthly Spend Amount	Shell Escape points earned
HSBC credit card spend of S$2,000	400 (every S$5 spend = 1 Shell Escape point)
Shell spend of S$200 (earned on your Shell Escape Card)	100* (1L of Shell FuelSave98/95 & Shell Diesel = 1 Shell Escape point)
Total	500         (Approx. S$16 worth of Shell fuel)

Savings at Caltex - up to 18.3%

HSBC Card privileges at all Caltex Stations	Prevailing site discount	HSBC card discount	HSBC cash rebates	Effective savings
HSBC Premier MasterCard® Credit Card/ HSBC Visa Infinite/ HSBC Visa Platinum	5%	9%	5%#	18.30%
			OR
			3%+	16.58
All Other HSBC Credit/Debit Cards	5%	9%	-	14%

^# Subject to a minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter.
⁺ Subject to a minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter.
 

Current Promotion
 

Receive a welcome gift of a United Colors of Benetton Slash 24" luggage (worth S$319) when you sign up now, plus an additional United Colors of Benetton Slash 20" luggage and a kid's backpack (worth S$348) when you sign up with an additional supplementary card.

Online sign up exclusive:
Enjoy an additional S$20 cash rebate when you apply and submit your supporting documents online.

Click here to Apply Now and we will direct you to the official card issuer's website.

 

OCBC 365 Credit Card is a cashback card which offers up to 18.3% savings at Caltex and Esso and up to 5% at other petrol stations. It also offers rebates on online shopping, dining, groceries and telecommunications with a minimum spend of S$600 based on posted transactions in a calendar month. If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month or $960 per calendar year.

Savings at Caltex - up to 18.3%

Fuel savings of 18.3% at Caltex comprises of :
(i) 14% upfront discount which includes station onsite discount and OCBC 365 Credit Card discount and (ii) 5% cashback on the nett petrol amount charged to OCBC 365 Credit Card.

This promotion is valid till 30 June 2015 at all Caltex service stations in Singapore.

Savings at Esso - up to 18.3%

Please see below for the various types of rebates.

Current Promotion

Apply now and get 2 years of annual fees waived.



Click here to Apply Now and we will direct you to the official card issuer's website.

With the UOB One Card, you can earn up to 3.33 % cash rebate on all spend and an additional 2% cash rebate on overseas spend. Besides that, you can also enjoy up to 20% SMART$ rebate at participating merchants

Simply spend over S$300 a month to get up to 3.33% in cash rebate per quarter to automatically offset your credit card bills! The more you spend, the more cash rebate you will get.

Assuming your UOB One Card Statement date is 15th of every month, a minimum of 3 purchases with a total minimum spend must be posted before the statement date in order for you to earn the quarterly cash rebate.

UOB Fuel Power
UOB Fuel Power is the fuel savings programme by UOB cards.

Savings at Caltex - up to 21.7%
Enjoy generous savings of up to 21.7%* on Caltex Platinum 98 petrol at Caltex with your UOB One Card or up to 20.0% with other UOB Cards.

For even more savings, sign up for a Caltex Thanks! card and earn 1 Thanks! Point with every litre pumped and get S$1 off your next Caltex purchase with just 40 Thanks! Points. Promotion ends 30 June 2015 at all Caltex service stations in Singapore.

Savings at SPC - up to 20%

Now you can enjoy up to 20% off your petrol purchases* at SPC with your UOB and SPC&U Cards. Plus, get another S$10 off instantly with just UNI$600⁺.
For even more savings, sign up for an SPC&U Card and receive it instantly at the station.

• Enjoy an incredible 15% off petrol purchases with your UOB Credit/Debit Card and SPC&U Card.
• Save up to 5% discount in a single transaction for every S$51 charged to your UOB Visa or MasterCard Card.
• Boost your savings with an additional S$10 off instantly with just UNI$600.

• Promotion is valid till 31 Mar 2015.

Click here to Apply Now and we will direct you to the official card issuer's website.

Even though UOB cards offer higher savings at Caltex and SPC, they are subjected to validity periods and tend to be less flexible as no discounts are offered at the other petrol stations.

We hope you have found your most suitable credit card from this post. Please share this with your friends if you find this useful. Thanks and have a great day ahead!

HSBC Premier Banking Promotion

From now until 30 June 2015, start your banking relationship with HSBC and be rewarded with one night stay at Capella Singapore.

Eligible customers	Requirements	Welcome rewards#
New HSBC Premier customer	Minimum fresh funds and incremental Total Relationship Balance of S$200,000	One night stay at Capella Singapore's Premier Garden Room (worth S$1,100).
	Minimum fresh funds and incremental Total Relationship Balance of S$1,200,000	One night stay at Capella Singapore's One Bedroom Garden Villa with breakfast for 2 persons + S$150 Dining Credits + S$150 Spa credits (worth S$2,200).

Preferential rates of up to 1.28% p.a.^{+^} on your savings when you top up your HSBC Premier SGD account.
Receive preferential interest rate on the fresh funds placed into your HSBC Premier account. Enjoy up to 1.28% p.a. for up to 3 months on your incremental average daily balance.

Eligibility	Top-up Amount (SGD) in fresh funds	Preferential Interest Rate+^
New+ and existing^ HSBC Premier customers.	S$1 to S$5,000,000	Up to 1.28% p.a.

Wealth Rewards

Eligibility	Requirements	Wealth Rewards
New and existing HSBC Premier customers	Minimum S$100,000 (or foreign currency equivalent) within any calendar month during the promotional period in any of the following eligible products: Unit Trust, Structured Products, Fixed Income, Insurance (Regular or Single premium policy).	Receive S$100 cash credit** with a minimum investment amount of S$100,000 (capped at S$1,500 for amount of S$1,500,000 maximum lump sum investment across full promotional period).
		Plus for any Protection or wealth need fulfilled, enjoy free one-month premium## on any new regular premium life insurance plan.

** Till 31 March 2015 and completed Goal Planning Report
## The free one month premium offer is valid till 31 March 2015

Please refer to the website for more details.

Best Credit Cards for Cash Rebates 2015

Cashback credit cards are gaining in popularity as they give you cash rebates, usually at the end of month or quarter instead of the reward points that many credit cards offer. They work much better than rewards points as you don't have to redeem them for vouchers which will just force you to spend more instead.

Whether you own a car or not will determine which credit card you should be using as drivers typically spend $300 to $400 on petrol each month and credit cards typically offer 5% up to 20% discount / rebate on your petrol spend which can add up to a lot in a year.

Where you pump your petrol will also affect which card is right for you as banks usually have tie-ups with one or two brands. The Citibank Dividend Card offers up to 18.3% savings at Esso and Shell while HSBC Visa Platinum Card offers up to 18.3% at Shell and Caltex with minimum monthly spending of $800 for each qualifying quarter. OCBC 365 Card on the other hand requires minimum monthly spending of $600 for the rebates to apply, otherwise only 0.3% cash rebates are awarded. In terms of flexibility, Citibank Dividend Card comes up tops and does not come with a monthly minimum spending requirement. However, to qualify for the rebates, each transaction must be $50 and above, which should be easily met if we are talking about a full tank of fuel. Below is a summary of how much savings you can potentially get at the various fuel stations.
 

	Savings offered at
	Esso	Caltex	Shell	SPC
Citibank	Up to 18.3%	Up to 5%	Up to 18.1%	Up to 5%
HSBC	Up to 5%	Up to 18.3%	Up to 18.3%	Up to 5%
OCBC	Up to 18.3%	Up to 18.3%	Up to 5%	Up to 5%
UOB		Up to 21.7%		Up to 20%

Based on data provided on sgcarmart.com, there are a total of 190 petrol kiosks in Singapore -
Esso (63), Shell (58), SPC (40), Caltex (29)

Also, how much you typically spend monthly, whether it is $300 or $3,000, there is a credit card to cater to your needs. The American Express True Cashback card and CIMB World MasterCard  do not have any minimum spending requirements, making them more suitable for small monthly expenditure. The Citibank Dividend Card and the Manhattan World MasterCard are more suitable for high spenders.

Some cards offer a complicated cashback system or low cashback rates with many conditions attached. Some cards like the UOB One Card, Manhattan World MasterCard, HSBC Visa Platinum Card offer tiered rebates based on monthly and / or quarterly spending.

For Drivers, our Top 3 Cards are:

The Citibank Dividend Card promises more savings on petrol, groceries and health & beauty / pharmacies spend, dining spend and 0.5% on all other spend. What we like about the card is that it does not have any monthly spending requirements. However, all eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. 



Current Promotion
Online Festive Special: Get a $68 Instant Citi Rebate when you apply for two Credit Cards and a Ready Credit account.

Click here to Apply Now and we will direct you to the official card issuer's website.

HSBC Visa Platinum Credit Card allows you to enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme with a minimum spending of $800 per month for all 3 months in a quarter. On top of enjoying the cash rebates of up to 5% on petrol, you will also enjoy 14% instant petrol discounts at all Caltex and Shell stations, that is up to 18.3% savings. The rebates earned are subject to the conditions below.

 

Earn 1 Rewards point with every S$1 charged and reap the benefits of a 3-year validity period. That means more time to accumulate points for higher-value Rewards items. Plus, earn HSBC's Rewards points with your tax payment. Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account.

 

Current Promotion

Receive a welcome gift of a United Colors of Benetton Slash 24" luggage (worth S$319) when you sign up now, plus an additional United Colors of Benetton Slash 20" luggage and a kid's backpack (worth S$348) when you sign up with an additional supplementary card.

Online sign up exclusive:
Enjoy an additional S$20 cash rebate when you apply and submit your supporting documents online.

Click here to Apply Now and we will direct you to the official card issuer's website.

 

OCBC 365 Credit Card
This OCBC cashback card is a latecomer into the local credit card scene but is a pretty strong contender to the other cashback cards as it offers rebates on online shopping and more attractive dining rebates with a minimum spend of S$600 based on posted transactions in a calendar month. If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month or $960 per calendar year.

Please see below for the various types of rebates.

Current Promotion
Apply now and get 2 years of annual fees waived.



Click here to Apply Now and we will direct you to the official card issuer's website.

For Non-Drivers, our Top 3 Cards are:

For those who spend below $1,500, we have a tie between 2 cards.

American Express True Cashback Card

Enjoy 1.5% cashback anywhere 24/7 365 days. There is no minimum monthly spending as well as minimum spending per transaction required. There is also no cap on the amount of cashback you can earn. This is especially useful for those with small monthly expenditure or those with irregular spending patterns each month. It helps if you can maximise the usage of the card by charging all your recurring bills like Telco, utilities, insurance, monthly subscriptions, gym memberships to the card as well.

Current Promotion
As an welcome offer, you will enjoy 5% Cashback for the first 3 months (up to a total of $5,000 spending) plus a fee waiver for the first year.

Click here to Apply Now and we will direct you to the official card issuer's website.

AND

OCBC 365 Credit Card
This OCBC cashback card is suitable for you if you have a regular spending pattern, with a minimum spend of $600 per month. It offers rebates on online shopping and more attractive dining rebates based on posted transactions in a calendar month. If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month or $960 per calendar year.

Please see below for the various types of rebates.

Current Promotion
Apply now and get 2 years of annual fees waived.



Click here to Apply Now and we will direct you to the official card issuer's website.


For those who spend $1,500 and above,

The Citibank Dividend Card promises more savings on petrol, groceries and health & beauty / pharmacies spend, dining spend and 0.5% on all other spend. What we like about the card is that it does not have any monthly spending requirements. However, all eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. 

Current Promotion
Online Festive Special: Get a $68 Instant Citi Rebate when you apply for two Credit Cards and a Ready Credit account.

Click here to Apply Now and we will direct you to the official card issuer's website.

For those who spend $3,000 and above,

With the Manhattan World MasterCard, you'll get up to 3% CashBack (up to a maximum of $800 a year) on eligible purchases plus a suite of exclusive lifestyle privileges.

To receive the maximum rebate of S$200 per quarter, the best way to do it is to accumulate your big ticket purchases in one month and charge at least S$6,667 in that month. Alternatively, if you spend $3,000 or more per month, you can also enjoy 3% rebate, subject to a cap of $200 per quarter which means that the effective cashback you can enjoy is just over 2.2% or less.

See table below for the tiered spending and the respective cashback you can enjoy with the card.

Total eligible	Applicable CashBack	Maximum CashBack
monthly spend	tier for the month	earned and received
		per quarter
$1–$999	0.50%	Capped at $200
$1,000–$2,999	1%
$3,000 and above	3%

Current Promotion




For new customers, apply for both cards by 28 February 2015 and choose from three great gifts (Samsung GALAXY Tab 4 (7.0") LTE OR BOSE Soundlink Mini Bluetooth speaker OR American Tourister Puzzle-Lite Spinner 59cm luggage). Simply charge a combined minimum of $200 in eligible retail transactions to your Cards (with at least one transaction on each card) within 30 days of card approval. This promotion is only applicable if you do not hold a principal credit card and do not have a personal loan with Standard Chartered Bank.

Click here to Apply Now and we will direct you to the official card issuer's website.

 

Other Cashback Cards considered are as follows:

With the UOB One Card, simply spend over S$300 a month to get up to 3.33% in cash rebate per quarter to automatically offset your credit card bills. The more you spend, the more cash rebate you will get. Assuming your UOB One Card Statement date is 15th of every month, a minimum of 3 purchases with a total minimum spend must be posted before the statement date in order for you to earn the quarterly cash rebate. See table below.

 

Also, you will get up to an additional 10% SMART$ rebates on top of your One Card cash rebates, at over 600 participating merchants islandwide which let you earn up to 13.33% cash rebates. Earn an additional 2% on all overseas spend with your UOB One Card. This additional 2% rebate applies to all transactions made overseas, capped at S$5,000 overseas spend per calendar year, awarded to you every month to offset your monthly credit card bills.

If your credit card monthly spend are very regular and is very close to the tier cut-offs by UOB, you can stand to save a lot. However, excess spending on the card exceeding the tier cut-offs will bring down the effective savings. For example, if you spend $600 per month, your effective cash rebates will be only 1.7% instead of 3.33%. One point to note is if you do not meet the minimum spend for just one month, you will not get any cash rebate for that quarter.

Click here to Apply Now and we will direct you to the official card issuer's website.

CIMB World MasterCard
Enjoy a 1% cash rebate on all your purchases and no monthly cap, no annual fees for life, complimentary green fees at prominent golf courses in Singapore, Malaysia and Indonesia, travel insurance of up to S$1 million, special dining discounts and unique privileges across borders.

However, the prohibitive factor is the income requirement of $120,000 per annum which will put it out of most people's league.

Click here to Apply Now and we will direct you to the official card issuer's website.

What is your favourite cashback credit card? How much rebates can you get from the card each month?

Let us know if you have a better card to recommend to us.