Card Deals

Last updated: 26th September 2022

๐Ÿ”ฅ Great deal
๐Ÿ’ณ Sign-up gifts for existing bank customers

โ˜…CardsRewardsEndingRemarks
๐Ÿ”ฅAmex CardsUp to 40,000 miles30th September 2022Bonus miles
๐Ÿ”ฅ
๐Ÿ’ณ
Citi CardsApple iPad 9th Gen (worth S$499) or
an ErgoTune Supreme V3 (worth S$850) or
latest Apple Watch SE 2nd Gen (worth S$379) or
S$350 cash

Flash deal: S$400 via PayNow
2nd October 2022Make sure to get this promo first before Citi Prestige to enjoy both promos.
๐Ÿ”ฅ๐Ÿ’ณCiti PrestigeGet 48,000 miles, even for existing Citi cardholders31st October 2022Works even for existing Citi cardholders. Great deal offsets annual fees; useful features
๐Ÿ”ฅMaybank CardsFirst 4,500 applicants:ย Samsonite Harts 68/25 Spinner (worth S$500)
4,501 onwards:ย S$100 cashback

+ Extra S$80 via PayNow
13th October 2022
๐Ÿ”ฅ
๐Ÿ’ณ
DBS CardsDBS Taka Card: $150 cashback!!
DBS Altitude: up to 43,000 miles
30th September 2022DBS Taka and Altitude promos work even for existing DBS cardholders!
๐Ÿ”ฅCIMB CardsReceive a ErgoTune Classic (worth S$399) or S$250 cash2nd October 2022Highest cash offer!
๐Ÿ”ฅStanChart SmartXiaomi Mi Smart Air Purifier 4 Pro or
Apple AirPods Pro (worth S$379)ย 
orย 
S$300 cash


Upsized Deal: $324 cash and cashback
2nd October 2022Stack with Bonus$aver Account for double reward
๐Ÿ’ณHSBC CardsWelcome Gift:Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval.

Existing cardmembers can receive up to S$150 cashback when they successfully apply for supplementary cards.  
31st December 2022
UOB CardsUOB Absolute gets $3031st August 2022UOB rarely has promos
๐Ÿ”ฅKris+$5
Multiple promos happening in-app
OngoingWallet app; no income requirement
Big Pay$10 cashbackOngoingWallet app; no income requirement
YouTrip$5OngoingWallet app; no income requirement
For quick reference only. Please check respective terms and conditions for full details.

Click here for a list of non-card deals.

For card deals: please remember to fill up the Singsaver form in your email with the reference number of your card application (unless no email was entered at the start). No form no rewards!

Information provided here is for reference only. Please refer to the respective terms and conditions for each promo before proceeding.

Keep up to date on the best cashback/mile cards, savings accounts, attractive deals, and more tips to maximise your financial wellbeing by subscribing to my Telegram channel. You can also ask questions in the chat!

StanChart Cards


5 days 6 hours 59 minutes 57 seconds left to grab this offer!

StanChart Smart

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank*
Choose one*:

  1. Xiaomi Mi Smart Air Purifier 4 Pro
  2. Apple AirPods Pro (worth S$379) or
  3. S$300 cash

Offer until 2nd October 2022

Requirements
*min spend of $350 within 30 days of card approval.
^activate card within 30 days of card approval
Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Gives 19.2 Rewards points for selected merchants. That’s 5.57 miles per dollars or 6% cashback! Bundle with Bonus$aver for another $250!

StanChart Unlimited

No current promo. Apply for the StanChart Smart Card first.

Gives unlimited 1.5% cashback for almost every transaction.

StanChart Rewards+

No current promo. Apply for the StanChart Smart Card first.

Gives Reward points for transactions. Or something. There are better cards than this.

Citi SMRT

Citi SMRT

๐Ÿ‘๐Ÿผ

Citi SMRT has no current promo. If you are new to Citi cards, you should apply for one of the other Citi Cards first before applying for this as your second card.

One of the only high-earn cashback cards with no monthly cap! Gives 5% cashback on online transactions. Read the review here.

Citi cards


5 days 6 hours 58 minutes 58 seconds left to grab this offer!

Citi Cash Back

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank*
Choose:

  1. Apple iPad 9th Gen (worth S$499) or
  2. ErgoTune Supreme V3 (worth S$850) or
  3. Apple Watch SE 2nd Gen (worth S$379) or
  4. S$350 Cash

Until 2nd October 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 8% cashback on groceries and petrol, as well as 6% on dining! Read the review here

Citi Rewards

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank*
Choose:

  1. Apple iPad 9th Gen (worth S$499) or
  2. ErgoTune Supreme V3 (worth S$850) or
  3. Apple Watch SE 2nd Gen (worth S$379) or
  4. S$350 Cash

Until 2nd October 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 10X ThankYou Points (4 mpd or 2.27% cashback) on online and shopping transactions. Read the review here

Citi Prestige

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New or existing Citi Cardholders

Apply here (if you get an error message signing up as an existing cardholder, try again as a new Citi cardholder)

Get 120,000 ThankYou points (48,000 miles) with payment of annual fee of S$535 and making minimum spend of S$800 within first 2 months. Read promo details (terms and conditions)

Until 31st October 2022

For new to Citi customers: I encourage you to apply for one of the other Citi Cards first before getting Citi Prestige. This way you enjoy both promos.

This promo works for existing Citi customers too.

Read the review here

Citi SMRT

๐Ÿ‘๐Ÿผ

Citi SMRT has no current promo. If you are new to Citi cards, you should apply for one of the other Citi Cards first before applying for this as your second card.

One of the only high-earn cashback cards with no monthly cap! Gives 5% cashback on online transactions. Read the review here.

Citi Cash Back+ Mastercardยฎ

๐Ÿ”ฅ

New to bank*
Choose:

  1. Apple iPad 9th Gen (worth S$499) or
  2. ErgoTune Supreme V3 (worth S$850) or
  3. Apple Watch SE 2nd Gen (worth S$379) or
  4. S$350 Cash

Until 2nd October 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Gives 1.6% cashback on all eligible transactions.

Citi PremierMiles

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank*
Choose:

  1. Apple iPad 9th Gen (worth S$499) or
  2. ErgoTune Supreme V3 (worth S$850) or
  3. Apple Watch SE 2nd Gen (worth S$379) or
  4. S$350 Cash

Until 2nd October 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 1.2 mpd on eligible transactions. Get free Priority Pass membership which grants 2 complimentary lounge visits a year!

American Express cards

Amex KrisFlyer

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to Amex Basic Cards

Receive*:

  • Receive up toย 27,000 KrisFlyer miles (equivalent to a return trip to Phuket on SIA Economy Class)

Plus:

  • 5,000 KrisFlyer miles upon first successful transaction (new to Amex KrisFlyer only)

Until 30th September 2022

Requirements
*min spend of $2,000 within 3 months of card approval.
Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Amex KrisFlyer earns 1.1 KrisFlyer miles per S$1 spent, and it’s credited directly to your KrisFlyer Account.

Amex KrisFlyer Ascend

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to Amex Basic Cards

Receive*:

  • Grab up toย 40,000 KrisFlyer miles (equivalent to a return trip to Maldives on SIA Economy Class)ย 

Features

Plus:

  • Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier
  • 5,000 KrisFlyer miles upon first successful transaction (new to Amex KrisFlyer only)

Until 30th September 2022

Requirements
*min spend of $3,000 within 3 months of card approval.

Annual fee of S$337.05 payable

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Amex KrisFlyer Ascend earns 1.2 KrisFlyer miles per S$1 spent, and it’s credited directly to your KrisFlyer Account. Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier, plus 4 complimentary lounge passes each year. Annual fee of S$337.05 is payable.

American Express Platinum Charge Card

Receive a Dyson AM07 (worth S$499) or S$250 Cash

Promotion applicable for new cardmembers only

Make a min. spend of S$500 and payment of S$321 annual fee to be eligible

Please see terms and conditions on Apply link.

Until 30th September 2022

American Express Platinum Charge Card

Receive 65,000 Membership Rewards points upon annual fee payment and up to 120,000 Membership Rewards points with minimum spending of S$20,000 in the first 6 months of Card Membership.

Please see terms and conditions on Apply link.

Enter a world of warmer welcomes, richer experiences and special treatments.

Amex
True Cashback

 New to Amex

Receive*

  • S$80 CapitaVouchers^
  • 3% cashback on first $5,000 of spend (Grab top ups get 1.5% instead)

*min spend of S$250 required within 30 days of card approval

Amex
CapitaCard

New to Amex

Receive up to 150,000 STAR$ยฎ (worth S$150 eCapitaVouchers) when you make a min. spend of S$1,500 within the first 3 months of card approval. T&Cs apply.

DBS Vantage

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank*
Get 60,000 miles upon sign up with code VANMILES, payment of $588.50 annual fee, and spending S$8,000 in eligible transactions within 60 days

Existing cardholders*
Get 40,000 miles upon sign up with code VANMILES, payment of $588.50 annual fee, and spending S$8,000 in eligible transactions within 60 days

*Apply by end of 30th September 2022

Note: if a message saying you are not eligible pops up, use the โ€œApply by uploading your documents hereโ€ link after pressing the Apply button.

Get free Accor Plus Explorer membership with one free hotel night per year! Also get 10 free lounge visits a year via Priority Pass. $120,000 annual income requirement.

DBS Takashimaya (Amex)

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to DBS Takashimaya cards (existing cardholders of other DBS/POSB cards qualify too!)

$150 cashback with a minimum spend of $250 online.

See terms and conditions

Until 30th September 2022

After being taken to DBS site, scroll down and look for the Apply Now button in red. Promo code can be left blank for DBS Takashimaya Card

Please click each link to see the latest promo.

DBS cards promo details

New to DBS/POSB CardholdersExisting Cardholders
Sign up for one of the below cards
Refer to the bank page for latest promos
Optional: apply for DBS Takashimaya Card and spend $250 onlineGet $150 cashback!Get $150 cashback!

DBS Altitude
(Amex or Visa)

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to DBS Cardholders

DBS Altitude (Amex):

  • Up to 43,000 miles (pay annual fee; use code ALTMEX)
  • โญ๏ธ Recommended: up to 33,000 miles (fee waiver; use code ALTMEXW)

DBS Altitude (Visa)

  • Up to 34,000 miles (pay annual fee; use code ALTVIS)
  • Up to 24,000 miles (fee waiver; use code ALTVISW)

Existing DBS Cardholders

DBS Altitude (Amex):

  • Up to 32,000 miles (pay annual fee; use code ALTMEXA)
  • โญ๏ธ Recommended: up to 22,000 miles (fee waiver; use code ALTMEXAW)

Get 1.2 mpd for local spend. Free Priority Pass membership which gives 2 complimentary lounge vists a year (exclusive to Visa version only).

DBS
LiveFresh

  • 5% cashback

New to bank
Click Apply to see the bank’s latest promo.

DBS
Womanโ€™s World

  • 4 miles per dollar on online
  • Men can apply too

New to bank
Click Apply to see the bank’s latest promo.

POSB Everyday

  • Up to 8% cashback on daily essentials

New to bank
Click Apply to see the bank’s latest promo.

HSBC Cards

Please click Apply under each card to see the most up to date promo.

For reference only. Tap here for the terms and conditions.

HSBC
Advance

New to bank
Welcome Gift:Receive aย Samsonite Prestige 69cm Spinner Exp (worth S$670)ย orย S$200 cashbackย when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply.

Existing customers
Receive: S$50 after fulfilling the same conditions


^Minimum spend of $500 before end of following month from application
Valid until 31st December 2022

HSBC
Revolution

New to bank
Welcome Gift:Receive aย Samsonite Prestige 69cm Spinner Exp (worth S$670)ย orย S$200 cashbackย when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply.

Existing customers
Receive: S$50 after fulfilling the same conditions


^Minimum spend of $500 before end of following month from application
Valid until 31st December 2022

HSBC
Visa Platinum

New to bank
Welcome Gift:Receive aย Samsonite Prestige 69cm Spinner Exp (worth S$670)ย orย S$200 cashbackย when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply.

Existing customers
Receive: S$50 after fulfilling the same conditions


^Minimum spend of $500 before end of following month from application
Valid until 31st December 2022

Maybank Cards

Maybank
Platinum

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New customers

Get up to S$180 cash/cashback with these two promos:

Singsaver promo
Receive S$80 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Both promos stack if applied through this site.

Until 13th October 2022

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Spend $300/$1,000 per month for a quarter and get $30/$100 cashback! That is 3.33% and it works for Cardup and ipaymy.

Maybank
Family and Friends

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New customers

Get up to S$180 cash/cashback with these two promos:

Singsaver promo
Receive S$80 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Both promos stack if applied through this site.

Until 13th October 2022

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 8% cashback on selected categories like groceries, telco, and more! Read the review here

Maybank
Horizon

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New customers

Get up to S$180 cash/cashback with these two promos:

Singsaver promo
Receive S$80 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Both promos stack if applied through this site.

Until 13th October 2022

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Earn up to 3.2 mpd for restaurant dining, petrol stations, public transport (including Grab and taxi rides with our selected taxi service providers), and hotel bookings at Agoda.com/horizon.

Other Maybank cards (same promo):

UOB Cards

UOB EVOL

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to bank

Gift A: S$150 cash credit for signing up card

Gift B: S$80 for customers new to UOB bank; or
S$60 for customers new to UOB deposit accounts; or S$30 for existing UOB deposit customers

Gift C: S$50

Total: Gifts A + B + C = up to S$280!

Terms and Conditions

Gift A: successfully apply for a UOB personal credit card in the month of July 2022 and spend a min. of S$1,500 within 30 days from card approval date on their new UOB credit card. Card exclusions apply. Tap here for full terms and conditions.

Gift B:

  1. Successfully open a new Eligible UOB Account online from 1 May 2022 to 31 July 2022, and
  2. Deposit at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.
  3. S$5,000 must be fresh funds for existing customers
  4. Tap here for full terms and conditions

Gift C:

  1. successfully submitted an online participation form here; and
  2. successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account+ via GIRO within two calendar months from the date of submission of the participation formd

Get 6.67% effective cashback on $600 of spend each month!

UOB One

๐Ÿ‘๐Ÿผ

New to bank

Gift A: S$150 cash credit for signing up card

Gift B: S$80 for customers new to UOB bank; or
S$60 for customers new to UOB deposit accounts; or S$30 for existing UOB deposit customers

Gift C: S$50

Total: Gifts A + B + C = up to S$280!

Terms and Conditions

Gift A: successfully apply for a UOB personal credit card in the month of July 2022 and spend a min. of S$1,500 within 30 days from card approval date on their new UOB credit card. Card exclusions apply. Tap here for full terms and conditions.

Gift B:

  1. Successfully open a new Eligible UOB Account online from 1 May 2022 to 31 July 2022, and
  2. Deposit at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.
  3. S$5,000 must be fresh funds for existing customers
  4. Tap here for full terms and conditions

Gift C:

  1. successfully submitted an online participation form here; and
  2. successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account+ via GIRO within two calendar months from the date of submission of the participation formd

Get 3.33% base cashback if you spend $500, $1,000, or $2,000 a month for three consecutive months. Up to 6.67% additional cashback for Grab, Shopee, and Diary Farm merchants.

UOB Absolute

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

For new-to-UOB cardholders: receiveย S$30 cashย when you sign up. Valid till 31 Aug 2022. T&Cs apply.

The first 100 new-to-UOB credit cardmembers can receiveย S$150 cash creditย when they apply for a card and make a min. spend of S$1,500 within 30 days from card approval date. Valid till 31 Aug 2022.

*Terms and conditions

Get 1.7% cashback on nearly anything including Grab top-ups

New to UOB Cards
Get up to 21,000 miles when you spend $1,500 within first 30 days.

Until 31st July.

TnCs here.

Get 1.4 mpd on local spend.

KrisFlyer UOB Card

๐Ÿ”ฅ ๐Ÿ‘๐Ÿผ

New to UOB Cards
Get up to 21,000 miles when you spend $1,500 within first 30 days.

Until 31st July.

TnCs here.

Get 1.2 mpd on normal expenditure, and bonus 1.8 mpd on dining,
food delivery, online shopping and travel, and transport spend when you spend S$500 in a year with Singapore Airlines Group.

Good deals for OCBC cards – get 6% cashback with FRANK!

Read my reviews of OCBC Titanium Rewards and OCBC FRANK.

OCBC
365

OCBC
Titanium Rewards

OCBC
FRANK

New cardholders
First 300 gets S$50 cashback

Existing cardholders
First 300 gets S$30 cashback

Until 30th April 2022. See terms and conditions

OCBC
90ยฐN

Frequently Asked Questions

How does this work?

Just sign up for a card (or a few) and get the stated rewards upon card approval.

Is there a catch?

Some may need a certain amount of spend, while some just require you to get the card. Annual fees are waived for the first one or two years! See full terms and conditions of each card for more details.

Why are the rewards so generous?

Credit card companies have large marketing budgets. Through an online medium, they save on costs like hiring telemarketers or roadshow promoters, and tend to be able to provide greater sign up benefits.

How to sign up?

Use the links above to sign up for credit cards you may be interested in. I have also created an instructional guide found below.

Thanks for supporting my site!

Sign Up Instructions

Step 1: Input email

Input your email and you will be redirected to the next page.

SingSaverโ€™s rewards (if any) will be shown here.

Step 2 : Go to bank’s site

Press click here and begin your application at the bankโ€™s website.

Step 3: Complete application

Make sure to note the reference or application number at the end.

Bankโ€™s rewards (if any) will be shown here.

Step 4: Fill in rewards form

Find the rewards form link in your email.

Once you’re done, it may take up to 2 to 3 months for you to get your reward.

Please leave a comment if you require help.

10 thoughts on “Card Deals

  1. Hi Seth,

    I am rather new to credit cards and would like to hear your advise on which card should i consider getting for a first timer? Thanks.

    1. Hi Kenny, thanks for your comment.

      It very much depends on your spending habits (monthly spending amount, what you spend on etc.) and if you are the kind who would go out of your way to optimise your rewards. Perhaps start with that and I can give better advice.

      For cashback, I would suggest DBS LiveFresh which is 5% on minimum $600 spend on PayWave and online (but max $400 on each). Quite easy to use. Generally, if you want to chase miles, you can look at CitiRewards + GPMC for fuss-free 4 mpd.

      But do let me know more if you want more accurate advice, and I would appreciate if you sign up for cards through here!

    2. Hi Seth,

      Thanks for your reply and sorry for the late reply. I just entered the working world not too long ago and my monthly spending habits is rather simple for now. Just for food, transportation etc. As such, which would you recommend? Thanks for your advise.

    3. You can probably look at Maybank FnF card if you can hit $500 to $800 a month on dining and transport. I will email you the form.

      Otherwise DBS LiveFresh is also a good contender.

      For miles Iโ€™ll look at UOB Preferred Platinum (PayWave and online) and UOB PriviMiles (everything else and transportation for a limited time).

      Apply for these cards in the links above, and donโ€™t forget to get some cards for the generous sign-up bonuses!

  2. Hi Seth,

    If we use google pay and link with StanChart Unlimited cashback card, do we still get 1.5% cashback from StanChart? ๐Ÿ™‚

  3. Hi Seth,

    Would like to check if i link StanChart Unlimited Cashback card with google pay… and i spend on MRT expenses.
    do i still get 1.5% cashback from StanChart?

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