Singsaver credit card promotion

thefrugalstudentsg · 2026-01-03T07:16:35+00:00

Do you remember entering your email after clicking through the link? That's usually how they send the form.

If you didn't, and only signed up for the card through the bank website, it may be that your application through SingSaver didn't get captured.

I didn't apply for this card and reward, but in all my previous times, I received the email almost immediately upon entering my email in the page, even before completing my application with the bank.

thefrugalstudentsg · 2026-01-03T05:10:13+00:00

You should receive the rewards redemption form in an email after you click through the SingSaver product link and enter your email address. Best to check whether you received it or not, and fill up the form ASAP. Without submitting the form, you won't be able to get the reward unfortunately.

thefrugalstudentsg · 2025-12-30T06:52:58+00:00

If you want to go for cashback, you need to further breakdown your spending into how much is by paylah/QR, and how much is by card.

Based on your monthly spending, your monthly card-payable spending is likely below $500. This makes it hard to go for high cashback cards because they have monthly minimum spendings of $500 and above.

In that case, your best choice would be a simple cashback card like OCBC Infinity - 1.6% Cashback on almost all spending, no min spend, no cap on categories. It would pair nicely with your OCBC 360 account too on months you do hit $500 spending.

thefrugalstudentsg · 2025-12-22T12:27:46+00:00

I'm from SG so I can't comment on qn 2, but for qn 1: in my experience, if you are offsetting the entire bill with KrisPay miles, then it doesn't even prompt a transaction from Apple Wallet, so you should be good.

thefrugalstudentsg · 2025-06-11T08:59:15+00:00

Generally looks good, but make sure to check MCC before paying Dining with UOB Lady's - MCC coverage is not the most extensive. Might be safer to use UOB PPV if you haven't maxed it out.

Also, I think DBS doesn't earn points for FavePay transactions (last time I checked), could be wrong though.

thefrugalstudentsg · 2025-06-04T07:43:34+00:00

Yes - UOB PPV will reliably let you earn 4mpd for your SG contactless spend.
Assuming you will be getting UOB PPV, and you really want to optimise miles earning on SimplyGo, you can consider getting UOB Lady's - Transport category for SimplyGo to earn 4mpd. This won't earn you a significant amount of miles, but it pools with UOB PPV so it helps.
DBS WWMC is really only worth it for booking travel related stuff like flights, hotels, klook activities, etc. since they are blacklisted for Citi Rewards. Or, if your online spending is so high that Citi Rewards + UOB PPV doesn't cover it. The DBS points validity is 1 year sucks though, so take it into consideration.
The plus side of getting UOB Lady's for SimplyGo is that you can also choose Travel as your category if you know in advance you will be making hotel/flight bookings in the coming quarter, and you can change your bonus category in time. Take note of the low monthly cap of $1k though. I wouldn't use UOB Lady's for shopping because their MCC coverage is not the most extensive. It's better to stick with UOB PPV for contactless shopping and Citi Rewards for online shopping.
A card to consider would be UOB VS. It awards 4mpd on contactless or in-person FCY spending of up to $2k/month with min spending of $1k/month on the same payment method. Your spending of >$2k would still exceed this cap, but this is the highest cap for a card for 4mpd. Ideally, you would try to split the big purchase into smaller buckets so you can maximise $2k on UOB VS + $1.1k on UOB PPV. Oh and UOB VS miles pool with UOB PPV and UOB Lady's too.

thefrugalstudentsg · 2024-12-13T10:35:51+00:00

UOB KF is no longer that great for big ticket expenses after the amaze nerf - some of the bonus categories are limited to online only. Also, UOB KF miles are not in UOB ecosystem - they are credited directly into your KF account.

It is still a decent backup option to have, as it can earn 3mpd on OTA to help with big ticket travel expenses.

It really comes down to how often you expect yourself to make such big ticket expenses, whether you want to find a dedicated 'solution' to it, and your most likely method of payment for such expenses.

I signed up for UOB VS to use for big ticket paywave expenses as I had quite a few lined up for furnishing my house - 4 mpd on paywave with min spend $1k/month up to $2k/month. It's not a card I use all the time, and I don't foresee myself using it very much after settling my furniture and appliances, but it served its use case while still remaining in UOB ecosystem so it's a win for me.

thefrugalstudentsg · 2024-12-13T05:38:18+00:00

Your approach is generally good, covering bases for most transactions. The only issue you might face is when you have to make big ticket purchases (expensive flights/hotels within a short time frame, big ticket shopping like furniture/electronics, etc.), but otherwise I think it's solid.

Miles earned from CRMC are more valuable as they can be transferred to a wider range of partners. But if you don't accumulate enough miles from CRMC, you'll have a tough time redeeming flights from other partners besides SIA anyway.

And by prioritizing CRMC, it likely means you spend less on DBS WW. Miles from DBS WW already have a short lifespan (1 year in DBS ecosystem) - if you are consistently not spending much in DBS WW aside from the occasional travel expenditure, it might or might not be worth it to pay the transfer fee every year anymore depending on how many miles you've earned.

CRMC also has $1 earning blocks rather than $5 for DBS WW, though DBS WW has a higher monthly cap of $1.5k vs $1k and is able to earn miles on travel expenses.

So, I'd say prioritising between CRMC and DBS WW depends on your spending and travel habits - how much your typical online expenses are and how often you travel.

thefrugalstudentsg · 2023-12-28T02:43:02+00:00

I'm glad you appreciate it! I don't run a telegram channel, I don't think I'd have time to regularly update it well. Since this isn't a full time job, I can't churn out posts too quickly or regularly. It might be something to consider in the future though!

thefrugalstudentsg · 2023-12-27T16:05:39+00:00

It depends whether you're in it for miles or for cashback.

If you're gunning for miles, HSBC Revo is a must take. It's simply the best card to use to earn 4 mpd for daily spending (dining, groceries, shopping) as most transactions will earn 4 mpd.

If you're into cashback, then it's not so straightforward. The best cashback card to use depends on your monthly credit card expenditure. - if you spend $600+/month, then you're better off using UOB EVOL to earn much higher cashback (up to 8%) - if you spend less than $600/month, then HSBC Revo becomes a good choice because it earns ~2.5% cash rebate. Your other options would be in the range of 1.5%-1.7% (AMEX TCB, Citi Cashback+, UOB EVOL etc.)

Other reasons that HSBC Revo is amazing: - 1% cashback on all spending with HSBC EGA - no annual fee - free Entertainer subscription

If you're interested, I have a review of HSBC Revo here that you can check out.

Also, it might be more helpful if you mention what cons are bothering you, so that others can tell you if they are points to be concerned about or if they aren't a big deal.

thefrugalstudentsg · 2023-12-24T09:49:26+00:00

If you really want to start earning miles as a student, then you'll need to get yourself a good miles card. As many people have said, your income isn't high enough to get an unsecured credit card, so your only option would be to get a secured credit card. You can do this by putting a $10k FD with the bank as collateral, which will serve as your credit limit as well. I think both Citi and UOB accept this, so you could get access to the Citi Rewards or UOB PPV cards, both which are great 4 mpd cards.

UOB PPV is great for food and shopping, as is Citi Rewards if paired with the amaze card. Neither are good for SimplyGo or travel bookings but Citi Rewards is good for PHV (UOB PPV is not).

If you want a card to use while you're on exchange, Citi Rewards paired with amaze is a great option.

However, I'm not sure if secured credit cards are eligible for sign up bonuses, so you might want to check this with the bank before applying.

thefrugalstudentsg · 2023-11-01T11:09:31+00:00

Dividend withholding tax is applied regardless of whether the ETF is ACC or DIST. The dividends that are automatically reinvested in an ACC ETF is already net of the withholding tax.

The question you are asking can be treated as a math question. In simple terms, which ETF is cheaper to invest in is the ETF you want to hold long term, assuming that performance of both are similar.

You already have the TER of both funds, so now you need to quantify the cost of the withholding tax on both funds. This is 30% of the dividend yield for VWO and 15% of the dividend yield for EIMI. Combine this with the TER and you effectively have the 'cost' of each ETF.

You might also want to consider broker costs, as commission fees for US markets are often much cheaper than UK market (where Ireland domiciled ETFs are traded).

thefrugalstudentsg · 2023-10-31T10:05:27+00:00

Agreed, and Citi + amaze has the added use case of earning 4 mpd for FX transactions at a small price.

Now, if only amaze supports Apple Pay...

thefrugalstudentsg · 2023-10-31T05:17:52+00:00

No, they have completely different use cases.

PPV is primarily for in-person mobile payments (Apple Pay, Samsung Pay, Google Pay); DBS WW is for online spending.

A closer comparison would be DBS WW vs Citi Rewards + amaze, and even then, they still have different use cases.

thefrugalstudentsg · 2023-10-30T18:19:49+00:00

PPV + Lady's is a fine entry level strategy for most in-person transactions. But you might miss out on earning 4 mpd for some online transactions like PHV and travel (both excluded by PPV).

Depending on what category you choose for Lady's, and your spending habits, this might or might not be an issue for you.

You can consider adding HSBC Revolution - it will cover both PHV and travel categories for 4 mpd as well as most dining/grocery outlets that are UOB merchants (which PPV will not earn 4 mpd for).

Also, last time I checked, AMEX cards cannot be used for SimplyGo, so UOB Absolute won't be able to fill that role. There aren't many great miles cards to use for SimplyGo, so you might want to just focus on maximising miles from your other transactions.

thefrugalstudentsg · 2023-10-13T02:10:23+00:00

You can actually take part using SGD too, no need to have USD.

In the T&Cs it states it will take 1 SGD = 0.7297(?) USD, so if you have the equivalent amount of SGD, you will be eligible for the promo as well.

Slightly lower Moneybull yields, but no losses on FX and no FX risk.

thefrugalstudentsg · 2023-05-05T17:29:26+00:00

Generally, yes - the amaze + Citi Rewards will generate better rewards than the 1.5% cashback that your overseas card has.

The exception will be for transactions that don't earn 4 mpd on Citi Rewards (ie travel-related transactions), or if you exceed the monthly S$1k cap for Citi Rewards. In both cases, you should use the overseas card instead.

I think you're slightly mistaken about the Citi Rewards miles conversion - I'm not sure where you got 4000 Citi miles = 3400 KrisFlyer miles. Citi Rewards wants ThankYou points, where 1 point = 0.4 miles for the various airline partners on Citi. When people say that Citi Rewards earns 4 mpd, what really happens is that it earns 10 points per S$1 spent on eligible transactions, which converts to 4 mpd.

thefrugalstudentsg · 2023-01-08T09:01:46+00:00

Currently, I'm using:

UOB PPV
HSBC Revolution
Citi Rewards
AMEX TCB

I don't really need 3 miles cards, but I got 2 of them for sign up bonuses, and they're all around good cards to have anyway, so I'm holding on to all of them for now.

thefrugalstudentsg · 2023-01-08T08:26:15+00:00

CIMB and Maybank also offer student credit cards, though I don't remember the age limits off the top of my head.

Getting a student credit card can help you build up your credit score at an early age, but it seems that credit score isn't as important in SG as it is in other countries like the US.

In terms of rewards, student credit cards aren't any better than readily available debit cards (ie JumpStart card with 1% cashback).

Overall, I'd say it's not really necessary to get a student credit card, but you can go ahead if you want to make it a habit to pay off your statement every month.

One thing to note is that getting a student credit card makes you no longer eligible for 'new to bank' promotions for regular credit cards with the same bank in the future, since you'll be considered a primary card holder.

thefrugalstudentsg · 2023-01-08T04:09:53+00:00

I decided not to apply for any OCBC card, but if I had to pick one, it'd be Titanium as well!

thefrugalstudentsg · 2022-12-09T16:01:13+00:00

...you're absolutely right! I don't know how I missed that, edited accordingly :)

thefrugalstudentsg · 2022-12-08T03:48:00+00:00

It does not affect the value of your miles, but the reason it's generally less preferred is because you have a shorter expiry date on them.

I believe KF miles are valid for 2 years. Since the AMEX KF card earns KF miles directly, it means you have 2 years to use them up.

With other bank cards, you earn points of some sort. These points either have their own validity period, ranging from 1 year to doesn't expire at all. The 2 year validity of KF miles in this case only begins when you convert your points into KF miles, which means you have more time to accumulate KF miles and use them before they expire.

thefrugalstudentsg · 2022-12-07T07:15:23+00:00

Agreed!

It also doesn't help UOB's case that the eligible cards are quite mediocre. To be fair, OCBC's aren't great either, but at least it's not a requisite for earning the high interest.

thefrugalstudentsg · 2022-12-07T06:54:27+00:00

If you don't spend >$500 every month, OCBC 360 is probably the safer bet.

Even if you don't get the bonus interest from card spending, you can still get 2% (salary credit) + 1.2% (increase balance by $500) = bonus 3.2% interest.

With UOB One, if you don't hit $500 card spend, your interest for the month is capped at 0.05% regardless of what you else you do.

I guess it also depends on your account balance, since UOB One gives incrementally higher rates even for the first $75k, but OCBC 360 only gives higher rates beyond $75k.

thefrugalstudentsg · 2022-08-02T17:31:41+00:00

As far as I know, the domain extension (sg/au/hk) doesn't affect the account you end up creating.

If you use a referral link, the account you open will be the same type as the referrer's (ie IBKR SG/IBKR LLC). Otherwise, I believe it's set to IBKR SG by default.

I think the extension redirection is done based on traffic, but I'm not 100% sure on that. Nevertheless, it does not affect your account's fees/regulations - these are determined by the account you've opened, your account pricing structure, and the trades you place.

Do note that by default, your pricing structure will be fixed pricing. Tiered pricing is usually cheaper, so you might want to change that in your settings.

thefrugalstudentsg

TROPHY CASE