Deal: Enjoy Up to $1,110 Cash/Cashback Farming Credit Cards in November

Go nuts with cashback and cash this November, and subscribe to the Telegram channel to be notified of more amazing deals

I noticed that there are a lot of cashback card promos ending soon (some earlier than others) so I did a calculation on how much cashback one could get right now. The spoiler is already in the title, but here’s the breakdown:

New to bank customers

New to Citi: $300 via PayNow (make 1 transaction, no min spend) (update 20/11/2020: becoming $250 from 23/11/2020 onwards!)
New to StanChart: $200 via PayNow (min spend $80)
New to DBS: $200 (make 1 transaction, no min spend)
New to Amex: $160 (min spend $500)
New to HSBC: $150 (min spend $800)
New to Maybank: $100 (min spend $250/month for 2 months)

Some of them require minimum spendings, but even if you’re not going to do much Christmas shopping this year, the first three cards already give $700 in cash and cashback with very little spending required. Of course, you may also pick the Apple Watch SE and Sony headphones if you so desire.

Existing cardholders

Existing cardholders aren’t totally left out either. It’s expectedly nowhere near as much, but it’s just a few minutes out of your day while you “work” from home, and it’s a good meal paid for. Every sign up supports this site too, so thank you for that!

Existing Citi cardholders: $30 per card via PayNow (make 1 transaction, no min spend)
Existing StanChart cardholders: $30 per card via PayNow (min spend $80)
Existing HSBC cardholders: $30 (min spend $800)

Wouldn’t applying for multiple cards hurt my credit report?

I can speak from experience and say that having lots of credit cards adds a line “too many enquiries” in your report, but I don’t think it matters much. I have anywhere between 20 to 30 credit cards, a balance transfer, and a mortgage, and my credit report fluctuates between AA and BB.

Not that it matters; as far as I can tell I got the best mortgage rate (at that time) with a report of grade CC. I’m guessing that the credit report only matters when it goes really bad, and that’s more a result of not paying loans and card bills rather than having many credit cards.

Apply here and keep this site going

Apply at the links below, and note the terms and conditions for each may differ slightly. Important: do fill out the Singsaver form you receive in your email! (Applies for Citi, StanChart, and Amex)

Citi cards


5 days 7 hours 8 minutes 35 seconds left to grab this offer!

Citi Cash Back

🔥 👍🏼

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

🔥 👍🏼

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

🔥 👍🏼

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

👍🏼

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+ Mastercard®

🔥

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

🔥 👍🏼

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!

StanChart Cards


5 days 7 hours 9 minutes 34 seconds left to grab this offer!

StanChart Smart

🔥 👍🏼

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.

DBS Vantage

🔥 👍🏼

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 “Apply by uploading your documents here” 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)

🔥 👍🏼

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)

🔥 👍🏼

New to DBS Cardholders

DBS Altitude (Amex):

  • Up to 43,000 miles (pay annual fee; use code ALTMEX)
  • ⭐️ 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)
  • ⭐️ 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
Woman’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.

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

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 a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback 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 a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback 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 a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback 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
Platinum

🔥 👍🏼

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

🔥 👍🏼

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

🔥 👍🏼

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):


Keep up to date on the best cashback/mile cards, financial products, attractive deals, and more tips to maximise your financial wellbeing by subscribing to my Telegram channel.

Subscribe to the channel, then join the group chat. You would often benefit from the tips exclusively shared in the group chat!

Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. None of the information here constitutes personal financial advice. Thank you for supporting my site!

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