DBS Multiplier Top-up Promotion - Enjoy up to 3.96% Interest p.a.

Enjoy up to 2.08% p.a. on the first $50,000 of your savings in the DBS Multiplier Account, just based on your regular banking with us.

Additionally, enjoy 1.88% p.a. for 3 months when you top up your DBS Multiplier Account with fresh funds of S$1,000 to S$3,000,000. How to qualify:

1. Register your DBS Multiplier Account by 28 February 2015. Your existing account type will be “DBS Multi-Currency Autosave”, please ensure you fill in your Multiplier Account number.
2. Complete a one-time top-up by 28 February 2015.
3. Maintain top-up amount for 3 months.

So, new account holders can enjoy up to 3.96% p.a. on the first S$50,000 of your savings with DBS and up to 1.88% p.a. on new funds exceeding S$50,000 for 3 months. For existing account holders, however, you will only get to enjoy the 1.88% p.a. on the new funds exceeding S$50,000 for 3 months if you already have S$50,000 in your account before the start of the promotion.

That is still pretty good in the market right now. It is also probably better to keep your funds locked up in shorter tenures as opposed to longer tenures as interest rates are expected to go up. DBS is moving aggressively to attract deposits in a rising interest rate environment as the SOR (Swap Offer Rate) and SIBOR (Singapore Interbank Offered Rate) increases to maintain its market share. We can probably expect more promotions to come in the near future.

Please refer to the website for details and to register for the promotion.

Please also refer to our previous post here on the DBS Multiplier Account.

Chinese New Year new notes at SingPost Post Offices and Community Clubs

This year, you can get Chinese New Year new notes from all SingPost Post Offices and specially set-up ATMs at 10 selected Community Clubs (CCs) from 2 February 2015.

 

Standard Combination packs of $500 and $1,000 will be available at the Post Offices while combination packs of $100, $300, $500 and $1,000 will be available at the CCs.

 

eAng Bao with DBS PayLah!

For those of us who are more tech savvy, you can even send an eAng Bao to your loved ones with DBS PayLah! I somehow feel that it lacks the personal touch but for those of you who are away from your loved ones this holiday season, this will be very convenient to use.

 

Please refer to the POSB website or the DBS website for more details.

POSB Savings Account 1.88% p.a. Promotion

Enjoy 1.88% p.a.* for 12 months with POSB when you top up your savings account between S$1,000 and S$1,000,000. First 10,000 customers will get a S$88 Hong Bao each! This is one of the best deals in town for a 12-month "time deposit" as funds will be earmarked for 12 months and not be available for withdrawal during the same period.

To qualify:

1. Register by 28 February 2015.
2. Complete a one-time top-up by 28 February 2015.
3. Maintain top up amount for 12 months.

Please refer to the website for more details.

The last time POSB introduced a similar promotion in Dec 2014, it was giving 1.5% p.a. for funds earmarked for 6 months. Seems like the interest rates are climbing much faster than expected and depositors could expect better rates in the near future.

POSB National Schools Savings Campaign 2015

In conjunction with SG50, POSB is proud to introduce The National School Savings Campaign 2015 for our next generation. I'm sure many of us have fond memories of opening our first bank account with POSB in Primary School and the Smiley Squirrel.

According to The Business Times and Singapore Business Review, 6 out of 10 Singapore kids do not save. By making savings fun, POSB hopes to instil the savings habit in our young and make them learn the value of savings.

Your child can have fun saving with the Smiley Savings Card and even earn a $1 bonus (10% savings bonus) with every completed stamp card with 20 Smiley stamps affixed (valued at $10).

Support the campaign and sign up now!

Please refer to the website for more details.

SG50 Jubilee Baby Perks

2015 is the year when Singapore celebrates its Golden Jubilee and for those of us who are welcoming new babies into this world, you have a lot to look forward to. What better way to celebrate the future of this nation?

Singapore Government
In conjunction with the SG50 celebrations to commemorate Singapore’s Golden Jubilee, every Singapore Citizen child born in 2015 will receive the SG50 Baby Jubilee Gift. It consists of a small set of meaningful items from all Singaporeans to welcome every Singapore Citizen baby born in 2015. It consists of a total of 8 items including a commemorative medallion, a diaper bag, a set of baby clothes, a multi-functional shawl, a baby sling, a scrapbook, a family photo frame and a set of baby books. Parents are encouraged to register for the Gift within two months of the child’s birth, as it includes items designed for newborn babies.

Please refer to the website for more details.

 



Babies born in 2015 are entitled to receive a commemorative Smiley Gift bag upon registration with POSB, the "people's bank". The limited edition gift comprises of 9 items which includes a diaper bag, a pair of mittens and booties, a plush toy, a coin bank, a height chart, a Bluetooth selfie stick, a 2R picture holder, a "baby on board" car sign and a pack of Zappy baby wipes.

In addition, 5 lucky babies born in 2015 are entitled to a S$10,000 Education Grant each for parents who register before 15 June 2015.

Please refer to the website for more details.

Great Eastern Life
Great Eastern Life celebrates Singapore's 50th birthday and the birth of your baby with the Great Eastern SG50 baby gift pack which includes free health coverage for a year, SG50 baby accessories and Live Great privileges.

Please refer to the website for more details.

AIA

Parents with babies born in 2015 have plenty to be cheerful about. Because AIA is giving each family free one year's worth of insurance cover and up to $200 worth of Robinsons Gift Card to begin your parenthood journey.

Please refer to the website for more details.

Thomson Medical Centre
If you choose to delivery your baby at Thomson Medical, you will receive the Thomson SG50 Jubilee Joy Pack.

• $50 Cordlife cord blood banking premium [FBI/SBI members will receive an additional $650 premium (total value of $700)]
• SG50 rates for Single and Two-Bedded rooms
• AXA 6 months medical coverage for newborn and premium vouchers up to $450 [FBI/SBI members will receive an additional $150 voucher (total value of $600)]
• OCBC bank exclusive (Receive up to $100 in your OCBC Child Development Account)
• 6 months online subscription to Mother & Baby and 8 Days magazines
• Huggies Newborn Diaper Pack (24 pcs), Huggies Gentle Care Wipes (10pcs) and $5 diaper voucher
• Thomson Medical 36^th Anniversary special edition Baby’s Health Booklet cover
• Education book made of fabric to aid child’s learning
• Baby latex bean pillow
• Diaper caddy
• Selfie stick
• Baby changing mat
• A copy of Thomson Mummies’ Pampering Treats on Dental/Aesthetic/Traditional Chinese Medicine (TCM) services
• Thomson SG50 Tote Bag

Please refer to the website for more details.

That's a whole lot of goodies in store for your new baby this year. Did I miss out anything that you might want to highlight?

POSB 1.5% p.a. Interest on Savings Promotion

Enjoy 1.5% p.a.* for 6 months when you top-up your savings account between S$1,000 and $20,000!

How to qualify:

1. Register by 22 Dec 2014.
2. Complete a one-time top-up by 31 Dec 2014.
3. Maintain top-up amount for 6 months.

* Promotion period is from 18 Nov 2014  to 22 Dec 2014. Qualifying customers will receive 1.5% p.a. lump sum cash gift on the fresh funds deposit by 30 June 2015. The fresh funds deposit will be earmarked for the next 6 months and not be available for withdrawal.

Please refer to the website for more details.

POSB Child Development Account (CDA) Launch Promotion

POSB CDA account will launch in 2015. Previously, parents can only open CDA accounts for their child with OCBC and Standard Chartered Bank. Please refer to an earlier post on this by clicking on the link.

To attract new sign-ups, POSB will pay a 6-month early bird bonus interest of 1% p.a.* on top of the POSB CDA interest rate. These rates are not defined yet.

Simply,
(1) Register your interest at www.posb.com.sg/cda before 31 Oct 2014.
(2) Open POSB CDA by 30 June 2015

* The first 10,000 customers who fulfil the eligibility criteria will qualify to earn 6 months early bird bonus of 1% p.a. on the ending balances (capped at S$12,000) in the POSBCDA account on 30 June 2015.

Best Shopping Credit Cards 2014

Which credit card is the best for shopping? This again depends on your shopping habits. Are you one who spends more on grocery shopping, fashion or prefers to do online shopping in the privacy of your home or likes to shop when you are overseas?

(1) Grocery Shopping

 

With the POSB Everyday Card, Singapore's favourite credit card, 
you will enjoy 5% rebate on groceries at Sheng Siong, 3% on personal care items at Watsons, 3% at Airasia.com, 1% on Comfort / Citycab taxi fares and HDB Season Parking fees, 1% on recurring utility bills with SP Services and Starhub telco bills and 0.3% on everything else as well as up to 17.55% savings at SPC. There is no minimum monthly spending criteria to earn the rebates on local spend unlike most other credit cards.

Also, you can get up to 2% cash rebate on your overseas spend, subject to a minimum total spend of S$1,000 within the same calendar month and capped at a maximum of S$5,000 overseas spend (equivalent to Daily$100) per calendar year.

You can also use it as your ez-link card to pay for your daily transport. When you sign up for EZ-Reload, an auto top-up facility for your ez-link card, you get a 2% cash rebate when charged to your POSB Everyday Card.

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

The Citibank Dividend Card promises more savings on petrol: up to 18.3% at Esso and 18.1% at Shell stations and 5% at all other petrol stations, up to 5% savings on all groceries at Cold Storage, Giant, Sheng Siong and all other supermarkets world-wide and health & beauty / pharmacies spend, up to 2% savings on all dining spend and 0.5% on all other spend. All eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. There is no minimum monthly spending criteria to earn the rebates unlike most other credit cards. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank SMRT Visa Platinum Card

Depending on whether your monthly statement spending is more or less than S$600 and whether your transaction amount is more or less than $50, you get to enjoy different rates of rebate up to 7% rebate on grocery at NTUC, Sheng Siong and Giant, up to 15% rebate on coffee at Starbucks, up to 2% rebate on your EZ-Link top up as you tap and go. On other spending, get 0.3% rebates. You also get to redeem your SMRT$ for vouchers and free rides.

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

HSBC Visa Platinum Credit Card now gives you more savings so you can enjoy more with your loved ones, making family moments even more valuable. Enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme. 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. 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.

You will receive a Sign up gift of American Tourister 3-piece luggage set + 2-piece accessory worth S$380. Online sign-up exclusive: additional S$20 cash rebate as well as a 2-year Annual Fee waiver.

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

OCBC 365 Credit Card
This card rewards with 6% cashback on weekend dining locally; 3% cashback on weekday dining locally, overseas dining, online spending (travel, fashion, movie tickets, etc.), groceries at all supermarkets & recurring telco bills; 0.3% on others (with min spend of S$600 in each calendar month, capped at S$80 per month). If you spend less than S$600, a flat 0.3% cashback is awarded. It also offers up to 18.3% fuel savings at Esso and Caltex petrol stations and 5% Cashback at all other petrol service stations.

Maybank Family & Friends Platinum MasterCard

Enjoy 5% cash rebates at selected merchant outlets plus earn 0.3% cash rebates on all other purchases. Selected merchants include Cold Storage; NTUC Fairprice/Finest/X-tra; FOX Kids & Baby; Mothercare; POPULAR Bookstores; Toys "R" Us; Yamaha Music; Canadian Pizza Delivery; KFC Delivery; McDonald’s Delivery; Pizza Hut Delivery; Guardian; Unity NTUC Healthcare; Watsons; LEGOLAND® Malaysia Resort tickets. To enjoy the 5% cash rebate at designated merchants on your Maybank Family & Friends Platinum MasterCard, a minimum spend amount of S$500 per calendar month is required. Otherwise, the 0.3% cash rebate will apply.

Receive a set of American Tourister 31” and 20” luggage when you apply for Maybank Family & Friends Platinum MasterCard and CreditAble now! The annual fee of S$80 is waived for the Principal Card for the first year and when you spend a minimum of S$12,000 p.a. in subsequent years. Supplementary Cards are free.

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

(2) Shopping at Departmental Stores

For shopaholics who cannot get enough shoes, clothes and bags, with the Citi Rewards Visa / MasterCard, you will earn 10 Citi$ for every S$1 spent both locally and overseas. This is capped at 120,000 Citi$ per year. On other spending, you will earn 1 Citi$ per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website.

For those who like to shop at Robinsons, the OCBC Robinsons Credit Card is your best companion. Enjoy 5% cash rebate on any amount charged at Robinsons, Marks & Spencer and John Little on your monthly statement. Enjoy 10% cash rebate when you charge beyond S$5,000 during the qualifying periods. Be invited to members-only sales and events and enjoy up to 2 hours of complimentary parking every Saturday and Sunday at Centrepoint, Raffles City and The Heeren. Also, receive a 25% Robinsons Bonus Discount Letter when you charge a minimum of S$500 at Robinsons, Marks & Spencer and/or John Little during the qualifying periods (1 January to 30 June or 1 July to 31 December).

Earn 1 Robs$ for every S$2 charged outside of Robinsons, Marks & Spencer and John Little. Earn 2x Robs$ (3 Robs$ for S$2 spent) on overseas purchases and purchases made every last weekend of the month (Friday to Sunday). No annual fee is charged for the first year.

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

For those who love shopping at Takashimaya, we have also have the DBS Takashimaya Visa Platinum Credit Card. It allows card holders to accumulate Takashimaya Bonus Points and redeem for gift vouchers. Every S$10 (in a single receipt) charged to your Takashimaya Visa Platinum Card at Takashimaya Department Store, including designer boutiques within the store, will earn you 1 Takashimaya Bonus Point. Accumulate 100 points (after charging S$1000 to your card) and you can redeem for a S$30 Takashimaya Gift Voucher(s) at the Customer Service Centre on Level 2.

Enjoy an additional 10% discount at the Takashimaya Department Store during selected sale events. Get on the VIP guest list for sale previews, special events, promotions and more.

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

This is another card good for shopping at Takashimaya, the DBS Takashimaya Platinum American Express® Card. Every S$10 (in a single receipt) charged to this card at Takashimaya Department Store, including its high-end designer boutiques, earns you Takashimaya points. Simply accumulate 100 points (after charging S$500 to your card) and you can redeem S$30 Takashimaya Gift Voucher(s). That's equivalent to a 6% voucher rebate. This gives much better value than the Visa Platinum card above. Enjoy an additional 10% discount at the Takashimaya Department Store during selected sale events. Get on the VIP guest list for sale previews, special events, promotions and more.

Click here to Apply Now and we will direct you to the official card issuer's website. 
(3) Online Shopping

For those who prefer online shopping, DBS Woman's World MasterCard® Credit Card provides 10 DBS points for every S$5 spent on online purchases. This is capped at S$2,000 spending per month (ie. 4,000 DBS points) However, for local spend, only 1 DBS points for for every S$5 spent while 3 DBS points will be rewarded for every S$5 spent overseas. Click here to Apply Now and we will direct you to the official card issuer's website. 

(4) Overseas Shopping

For shopaholics who love to buy designer shoes, clothes and bags from Europe, US and airport duty-free shops, with the Citi Rewards Visa / MasterCard, you will earn 10 Citi$ for every S$1 spent both locally and overseas on shopping. This is capped at 120,000 Citi$ per year. On other spending, you will earn 1 Citi$ per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website. 

UOB PRVI Miles Platinum American Express Card gives you 2.5 KrisFlyer miles for every S$1 (or equivalent to 6.25UNI$ for every S$5) of overseas spend. A further 20,000 KrisFlyer miles will be awarded for S$50,000 spent in a year. Charge a min of S$500 on air tickets, hotel or package within 3 months prior to date of travel and get unlimited limousine rides to the airport. However, points expire in 2 years and minimum income qualification is S$80,000 per annum. Click here to Apply Now and we will direct you to the official card issuer's website.

DBS Altitude American Express Card gives you 1.2 KrisFlyer miles for every S$1 of local spend and 2 KrisFlyer miles for every S$1 of overseas spend. Points never expire and there is no cap on spendings. The only gripe I have of the DBS programme is that it requires a minimum of 10,000 DBS Points to be converted to 20,000 KrisFlyer points which means a minimum spending of S$5,000 before any conversion is possible. That is, if you are looking to convert to KrisFlyer miles. Otherwise, the DBS points can be redeemed for shopping vouchers. The annual conversion fee of $42.80 allows you to make an unlimited no. of conversions in one year. Click here to Apply Now and we will direct you to the official card issuer's website.

Citi PremierMiles Visa Card has the same rewards as the DBS Altitude Amex Card but lower income qualifications of S$50,000 per annum versus S$80,000 for the latter. The PremierMiles card allows conversion at $25 at a minimum of 500 miles which makes it a lot more flexible than DBS. Citi Miles can be converted at over 70 airlines under KrisFlyer, Asia Miles, Royal Orchid Plus, SkyMiles, Executive Club, Enrich, Infinity MileageLands, Garuda Frequent Flyer and Etihad Guest frequent flyer programmes. You get 10,000 miles upon renewal of the card by paying annual fees of $192.60. If you wish to request for waiver of card fees, you will not get the bonus miles. I like it because there is no minimum monthly spending requirement and there is no cap on your spendings for which rewards can be earned. Click here to Apply Now and we will direct you to the official card issuer's website.

The above are some of the best shopping cards in the market. Have you found what is best for you?

Best Cash Back Credit Cards 2014

If you are the type who prefers cashback rather than vouchers or miles as rewards for spending on your credit card, look no further as we are reviewing the best cash back credit cards today.

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

Apply online before 31 August 2014, charge $200 within 30 days and choose from two awesome gifts, the Samsung GALAXY Tab 3 (7.0") WiFi (with admin fee of $99 – exclusive online offer) or American Tourister Puzzle-Lite Spinner 59cm luggage (free of charge)

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%

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

The POSB Everyday Card has been voted Singapore's favourite credit card 6 years in a row by a poll conducted by Asia One People's Choice 2014.

You will enjoy up to 5% rebate on groceries, personal care items, daily transport, recurring utility and telco bills as well as other everyday essentials. Also, you can get up to 2% cash rebate on your overseas spend, subject to a minimum total spend of S$1,000 within the same calendar month and capped at a maximum of S$5,000 overseas spend (equivalent to Daily$100) per calendar year.

You can also use it as your ez-link card to pay for your daily transport. When you sign up for EZ-Reload, an auto top-up facility for your ez-link card, you get a 2% cash rebate when charged to your POSB Everyday Card.

Partners	Cash Rebates
Airasia.com	3%
Sheng Siong	5%
SPC	Up to 17.55% savings
Watsons	3%
POPULAR and UrbanWrite	1%
SP Services	1%
Starhub	1%
Comfort/ CityCab taxi fares	1%
EZ-Reload	2%
HDB Season Parking fees online	1%
Everything else!	0.3%

 

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

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.

Get a free OTO Sphere Air Purifier worth S$168 by applying for UOB card online and charge a minimum of S$500 to your UOB Principal Credit Card within the first month of approval for new UOB card customers only. For a limited period only, a Limited edition card + S$50 cash rebate² is yours when you apply now. The Limited Edition One Card is given to new card applications approved from 9 August to 30 September 2014, while stocks last. To qualify for the bonus S$50 cash rebate, the Principal One Card account must be approved between 9 Aug and 31 Oct 14. Limited to the first 3,000 applications.

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

The Citibank Dividend Card promises more savings on petrol: up to 18.3% at Esso and 18.1% at Shell stations and 5% at all other petrol stations, up to 5% savings on all groceries and health & beauty / pharmacies spend, up to 2% savings on all dining spend and 0.5% on all other spend. 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. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank SMRT Visa Platinum Card

Depending on whether your monthly statement spending is more or less than S$600 and whether your transaction amount is more or less than $50, you get to enjoy different rates of rebate up to 7% rebate on grocery at NTUC, Sheng Siong and Giant, up to 15% rebate on coffee at Starbucks, up to 2% rebate on your EZ-Link top up as you tap and go. On other spending, get 0.3% rebates. You also get to redeem your SMRT$ for vouchers and free rides.

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

HSBC Visa Platinum Credit Card now gives you more savings so you can enjoy more with your loved ones, making family moments even more valuable. Enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme. 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. 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.

You will receive a Sign up gift of American Tourister 3-piece luggage set + 2-piece accessory worth S$380. Online sign-up exclusive: additional S$20 cash rebate as well as a 2-year Annual Fee waiver.

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

OCBC 365 Credit Card
This card rewards with 6% cashback on weekend dining locally; 3% cashback on weekday dining locally, overseas dining, online spending (travel, fashion, movie tickets, etc.), groceries at all supermarkets & recurring telco bills; 0.3% on others (with min spend of S$600 in each calendar month, capped at S$80 per month). If you spend less than S$600, a flat 0.3% cashback is awarded. It also offers up to 18.3% fuel savings at Esso and Caltex petrol stations and 5% Cashback at all other petrol service stations.

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

Maybank Family & Friends Platinum MasterCard

Enjoy 5% cash rebates at selected merchant outlets plus earn 0.3% cash rebates on all other purchases. Selected merchants include Cold Storage; NTUC Fairprice/Finest/X-tra; FOX Kids & Baby; Mothercare; POPULAR Bookstores; Toys "R" Us; Yamaha Music; Canadian Pizza Delivery; KFC Delivery; McDonald’s Delivery; Pizza Hut Delivery; Guardian; Unity NTUC Healthcare; Watsons; LEGOLAND® Malaysia Resort tickets. To enjoy the 5% cash rebate at designated merchants on your Maybank Family & Friends Platinum MasterCard, a minimum spend amount of S$500 per calendar month is required. Otherwise, the 0.3% cash rebate will apply.

Receive a set of American Tourister 31” and 20” luggage when you apply for Maybank Family & Friends Platinum MasterCard and CreditAble now! The annual fee of S$80 is waived for the Principal Card for the first year and when you spend a minimum of S$12,000 p.a. in subsequent years. Supplementary Cards are free.

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

CIMB Platinum MasterCard
Enjoy 0.5% cash rebate on local spend and 1% overseas, with no minimum spend and no monthly cap. What's more, the process is fast and convenient, with rebates automatically offset from your bill every month. Earn additional bonus 3.3% cash rebate on insurance, education and home furnishing and appliances. Simply spend a minimum of S$500 and you can enjoy a cash rebate of up to S$600 per year. To be eligible for the additional 3.3% cash rebate which is capped at S$50 per statement month, Cardmembers have to make at least 3 transactions and it must be posted within the same statement month. No annual fees for the Principal Cardmember, ever.
Click here to Apply Now and we will direct you to the official card issuer's website.

Conclusion
So, after looking at all these options, which of these cards do you think is ideal for your lifestyle and spending needs? Perhaps you can take a look at your credit card statements in the recent months to determine in which areas you spend most of your money on and how much on average are you spending each month to help you to decide. You can also consolidate and charge, your SP services, telco bills, town council conservancy charges and so on, to one card in order to earn rebates too.


Update @ 6 Nov 2014

American Express True Cashback Card
Enjoy 1.5% cashback anywhere 24/7 365 days.
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. Also, receive a :
- S$50 AirAsia E-Gift Voucher for the first 3,000 approved applicants
- S$20 CapitaVoucher when you apply online
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.

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

POSB National Day Deposit Promotion

Our friendly POSB is also offering 1.5% p.a. when you top up your savings account to celebrate our National Day. To qualify for the promotion, 

(1) Top up your account with S$1,000 to S$10,000 by 31 Aug 2014

(2) Register for the promotion by 31 Aug 2014

(3) Maintain the top-up amount till 30 Nov 2014

The promotional rate of 1.5% p.a. is applied on the top-up amount from date of top-up to 30 Nov 2014 and will be credited to your account on 5 Dec 2014.

Please refer to the website for more details.

POSB Invest-Saver

POSB Invest-Saver is a Regular Savings Plan (RSP) that allows you to invest on a monthly basis via a GIRO arrangement. You will be investing in Nikko AM Singapore STI Exchange Traded Fund (ETF) which means that you will be investing in the 30 blue-chip companies in the STI Index (based on market capitalization).

The benefits are many. It is affordable, convenient, flexible and helps you to build up long term savings. You can start investing with as little as S$100 at 1% sales charge per transaction. No fees will be charged for selling the units. No CDP or securities trading account are required. You have the convenience of starting and managing your investments at any of the ATMs islandwide. You may buy and sell units anytime. There is no lock-in period.

No more excuse for not starting to build your nest egg due to lack of huge capital. Always remember that a journey of a thousand miles begins with a single step.

Please refer to the website for more details.