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
52 days 23 hours 59 minutes 26 seconds left to grab this offer!
Citi Cash Back
Please note there are two different promos and select carefully:
🔥 👍🏼
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 177,500 points and more
- Citi Rewards: 40,000 points + S$50 FRx gift card
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 31st January 2024
SingSaver Promo
- Dyson Supersonic™ hair dryer (worth S$699)
- Dyson V8 Slim Fluffy (worth S$509) or
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65)
- S$300 cash via PayNow
Last date to apply: 14th December 2023.
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Terms and Conditions. Click here
Get 8% cashback on groceries and petrol, as well as 6% on dining! Read the review here
Citi SMRT
🔥 👍🏼
One of the only high-earn cashback cards with no monthly cap! Gives 5% cashback on online transactions. Read the review here.
Citi Prestige
If code is required C04233289T
🔥 👍🏼
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 177,500 ThankYou points worth 71,000 miles (even existing cardholders of other Citi cards are eligible!):
| Welcome Gift (payment of annual fee) | 62,500 points (25,000 miles) |
| S$1,000 spend in local currency¹ within qualifying period² | 57,500 points (23,000 miles) |
| S$1,000 spend in foreign currency within qualifying period² | 57,500 points (23,000 miles) |
| Total | 177,500 points (71,000 miles) |
For quick reference only. See terms and conditions for full details.
- Fee-paying Citi PayAll transactions also count towards the local spend requirement.
- Qualifying period is 2 months after end of card approval month (e.g. card approved on 15th August 2023 → qualifying period until 30th October 2023).
- Existing cardholders of other Citi cards can also enjoy this promo.
Until 31st January 2024
⚠️ 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.
Complimentary hotel nights, unlimited lounge access, and limousine service. Annual requirement of S$120,000 (fairly flexible and up to the bank’s discretion). Read the review here and an analysis if the promo is worth it
Citi Rewards
Please note there are two different promos and select carefully:
🔥 👍🏼
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 177,500 points and more
- Citi Rewards: 40,000 points + S$50 FRx gift card
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 31st January 2024
SingSaver Promo
- Dyson Supersonic™ hair dryer (worth S$699)
- Dyson V8 Slim Fluffy (worth S$509) or
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65)
- S$300 cash via PayNow
Last date to apply: 14th December 2023.
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Terms and Conditions. Click here
Get 10X ThankYou Points (4 mpd or 2.27% cashback) on online and shopping transactions. Read the review here
Citi Cash Back+ Mastercard®
Please note there are two different promos and select carefully:
🔥
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 177,500 points and more
- Citi Rewards: 40,000 points + S$50 FRx gift card
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 31st January 2024
SingSaver Promo
- Dyson Supersonic™ hair dryer (worth S$699)
- Dyson V8 Slim Fluffy (worth S$509) or
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65)
- S$300 cash via PayNow
Last date to apply: 14th December 2023.
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Terms and Conditions. Click here
Gives 1.6% cashback on all eligible transactions.
Citi PremierMiles
Please note there are two different promos and select carefully:
🔥 👍🏼
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 177,500 points and more
- Citi Rewards: 40,000 points + S$50 FRx gift card
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 31st January 2024
SingSaver Promo
- Dyson Supersonic™ hair dryer (worth S$699)
- Dyson V8 Slim Fluffy (worth S$509) or
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65)
- S$300 cash via PayNow
Last date to apply: 14th December 2023.
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Terms and Conditions. Click here
Get 1.2 mpd on eligible transactions. Get free Priority Pass membership which grants 2 complimentary lounge visits a year!
StanChart Cards
29 days 25 seconds left to grab this offer!
StanChart Simply Cash
Remember to fill rewards redemption form
Choose a gift:
- Receive a AirPods Pro Gen 2 + AirTag bundle (worth S$407.35) + S$20
- Nintendo Switch Gen 2 (worth S$399) + S$20
- Xiaomi Robot Vacuum S10 EU (worth S$379) + S$20
- $350 cash via PayNow + S$20
| Requirement | Reward |
| Use the Apply links found on this site and fill up SingSaver gift redemption form in email. | Form must be filled for reward! |
| Spend at least S$500 within 30 days from card approval | Receive gift of choice |
| Put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of selected merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix | Bonus S$20 |
| Last date to apply | 7th January 2024 |
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Gives unlimited 1.5% cashback for almost every transaction.
StanChart Smart
Remember to fill rewards redemption form
🔥 👍🏼
Choose a gift:
- AirPods Gen 3 + MagSafe Charger bundle (worth S$330.50) + S$20
- Fujifilm Insta Mini Evo Camera + Photo Instax Mini Film (Rainbow) bundle (worth $324) + S$20
- S$280 cash via PayNow + S$20
| Requirement | Reward |
| Use the Apply links found on this site and fill up SingSaver gift redemption form in email. | Form must be filled for reward! |
| Spend at least S$250 within 30 days from card approval | Receive gift of choice |
| Put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of selected merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix | Bonus S$20 |
| Last date to apply | 7th January 2024 |
⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given
Gives 19.2 Rewards points for selected merchants. That’s 5.57 miles per dollars or 6% cashback! Bundle with Bonus$aver for another sign-up gift! Watch the review here
StanChart Journey
🔥 👍🏼
StanChart + Singsaver Promo
For new StanChart cardholders:
| Requirement | Reward |
| Use the Apply links found on this site and fill up SingSaver gift redemption form in email. No minimum spend required! | Get AirTag Bundle of 4 (worth S$149) or S$100 via PayNow² |
| Optional: Pay annual fee of S$194.40 (I personally don’t recommend this) | 10,000 miles |
| Spend S$3,000 in eligible transactions within 2 months of card approval | 35,000 miles |
| Put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of selected merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix | Bonus S$20 |
| Maximum | 45,000 miles¹ + S$140 cash |
⚠️ Important: Remember to fill out the Rewards Redemption Form from SingSaver in your email to secure your rewards.
Offer until 7th January 2023.
Terms and conditions (save a copy for future reference):
Gives 1.2 miles per dollar on local transactions, 2 miles per dollar on foreign transactions, and 3 miles per dollar on online groceries, transportation, and food delivery merchants
DBS Yuu
🔥 👍🏼
New DBS cardholders
Get S$150 cashback¹ when you:
- Apply for DBS yuu (either American Express or Visa)
- Make a min spend of S$300 within 30 days from card approval
Existing DBS/POSB cardholders
Get S$60 cashback¹ when you:
- Apply for for DBS yuu American Express (or S$30 cashback for DBS yuu Visa)
- Make a min spend of S$300 within 30 days from card approval
- Sign up before 29th February 2024. Terms and conditions (save a copy for your own reference)
Get staggering 4.5% with no minimum spend, or 17.5% with S$600 eligible spend with a month! Staggering earn rate with few conditions required. Watch the review
DBS Vantage
No promo code required
🔥 👍🏼
New and existing cardholders
New and existing cardmembers will be credited up to 60,000 miles and 40,000 miles respectively in the form of DBS Points, within 90 to 120 days from the Card approval date.
- Apply for a DBS Vantage Card
- Make payment for non-waivable annual fee of S$594.00 (inclusive of GST); and
- Charge a minimum spend of S$4,000 within 30 days from card approval date
Until 31st January 2024
See terms and conditions and save a copy for your future reference.
Get free Accor Plus Explorer membership with one free hotel night per year! Also get 10 free lounge visits a year via Priority Pass. S$120,000 annual income requirement. Watch the review here
Works for existing cardholders
DBS Takashimaya (Amex)
🔥 👍🏼
New or Existing DBS/POSB Cardholders:
- Apply online for DBS Takashimaya American Express® Card (last date 31st December 2023)
- Spend a minimum of S$250 within Takashimaya (Takashimaya Department Store, Takashimaya Online Store and participating specialty stores at Takashimaya Shopping Centre) within first month from Card approval date with your DBS Takashimaya American Express® Card to receive S$200 cashback
- Existing cardholders get S$80 instead
Until 31st December 2023
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
DBS Altitude
(Amex or Visa)
🔥 👍🏼
American Express version:
| Annual Fee Waiver | Annual Fee Payment | |
| New Cardholders | ALTMEXW: up to 27,000 miles ⭐️ | ALTMEX: up to 37,000 miles |
| Existing Cardholders | ALTMEXAW: up to 16,000 miles ⭐️ | ALTMEXA: up to 26,000 miles |
Visa version:
| Annual Fee Waiver | Annual Fee Payment | |
| New Cardholders | ALTVISW: up to 21,000 miles ⭐️ | ALTVIS: up to 31,000 miles |
Spend S$2,000 on eligible transactions within 30 days from approval.
Until 31st January 2024
⚠️ Please remember to use the promo codes.
Get 1.3 mpd for local spend. Free Priority Pass membership which gives 2 complimentary lounge vists a year (exclusive to Visa version only).
Other DBS cards
DBS Woman’s World Mastercard
Promo code: 150CASH
👍🏼
New to bank
- Apply and use promo code
150CASH - Charge a minimum of S$800 within the first 60 days from card approval date
- Get S$150 cashback!
Consider the DBS Yuu Card as your first DBS card for a better promo
Get 4 miles per dollar on online transactions. Men can apply too! Tap here for review
DBS LiveFresh
Promo code: 150CASH
🔥 👍🏼
New to bank
- Apply and use promo code
150CASH - Charge a minimum of S$800 within the first 60 days from card approval date
- Get S$150 cashback!
Consider the DBS Yuu Card as your first DBS card for a better promo
Get 5% cashback on contactless and online transactions with S$600 minimum spend per month. Tap here for a review (I’ll update this soon™)
POSB Everyday
Promo code: 150CASH
🔥
New to bank
- Apply and use promo code
150CASH - Charge a minimum of S$800 within the first 60 days from card approval date
- Get S$150 cashback!
Consider the DBS Yuu Card as your first DBS card for a better promo
Get up to 5% cashback on groceries, 5% on selected online retailers, 3% on utilities and more. No minimum spend required for these earn rates.
Amex
True Cashback
New to Amex
Receive*
3% cashback on first $5,000 of spend (Grab top ups get 1.5% instead)
22 days 25 seconds left to grab this offer!
HSBC Revolution
🔥 👍🏼
New HSBC Cardholder
Choose:
- HSBC CC Samsonite Zeltus¹
- S$150 Cashback¹
Get 2 × chances to win S$1,010 or S$5,000 weekly!
⚠️ Important – complete all the following steps to be eligible for rewards:
- Provide HSBC consent to receive marketing/promotional materials during application
- Submit SingSaver Rewards Redemption Form in email
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Last date to apply: 31st December 2023
For quick reference only; refer to terms and conditions for exact terms:
- HSBC terms and conditions (Valid till 31st December 2023)
Get 10X points on eligible Paywave and online transactions. Annual fee waived for life. Tap here for the review
HSBC
Advance
🔥 👍🏼
New HSBC Cardholder
Choose:
- HSBC CC Samsonite Zeltus¹
- S$150 Cashback¹
Get 2 × chances to win S$1,010 or S$5,000 weekly!
⚠️ Important – complete all the following steps to be eligible for rewards:
- Provide HSBC consent to receive marketing/promotional materials during application
- Submit SingSaver Rewards Redemption Form in email
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Last date to apply: 31st December 2023
For quick reference only; refer to terms and conditions for exact terms:
- HSBC terms and conditions (Valid till 31st December 2023)
Get up to 3.5% cashback on eligible transactions
HSBC Platinum Visa
🔥
New HSBC Cardholder
Choose:
- HSBC CC Samsonite Zeltus¹
- S$150 Cashback¹
Get 2 × chances to win S$1,010 or S$5,000 weekly!
⚠️ Important – complete all the following steps to be eligible for rewards:
- Provide HSBC consent to receive marketing/promotional materials during application
- Submit SingSaver Rewards Redemption Form in email
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Last date to apply: 31st December 2023
For quick reference only; refer to terms and conditions for exact terms:
- HSBC terms and conditions (Valid till 31st December 2023)
5% cash rebate on dining, groceries, and fuel
HSBC TravelOne
Remember to complete all requirements for your reward!
🔥 👍🏼
New HSBC Cardholders
Get:
- Sony Portable Theatre System HT-AX7 (worth S$759)
- Dyson Supersonic™ hair dryer (worth S$699)
- Apple iPad 9th 10.2″ WiFi 64GB (worth S$503.65)
- S$350 upsized cash via PayNow
Note that for HSBC TravelOne, you need to pay S$194.40 annual fee to qualify for these rewards (other HSBC cards have a fee waiver).
⚠️ Important – complete all the following steps to be eligible for rewards:
- Provide HSBC consent to receive marketing/promotional materials during application
- Submit SingSaver Rewards Redemption Form in email
- Make a min spend of S$500 by end of the following calendar month from the card account opening to be eligible for the reward
Last date to apply: 8th December 2023
For quick reference only; refer to terms and conditions for exact terms:
- HSBC terms and conditions (Valid till 31st December 2023)
- SingSaver terms and conditions (Valid till 8th December 2023)
Get 4 complimentary lounge visits via DragonPass. Full review
Maybank
Platinum
⚠️ Please remember to refer to Application Steps and complete all requirements
🔥 👍🏼
New to Maybank Customers
First 5,000 applicants: apply for both an eligible Maybank Credit Card and a CreditAble Account, make a min spend of S$600 per month for 2 consecutive months, and receive:
- A pair of American Tourister Linex 66/24 Luggage TSA; or
- AirPods (3rd generation) with Lightning Charging Case; or
- S$200 cash credit
Note that you need to apply for the CreditAble account, although you do not need to use it.
Application Steps
- Sign up here
- Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
- Fill up this Google form
Please view the terms and conditions here and save a copy for your reference.
Spend S$300, S$1,000, or S$2,000* per month for a quarter and get S$30, S$100, or S$200* cashback! That is 3.33% and it works for Cardup and ipaymy.
*S$2,000 tier from 1st October 2023 onwards
Maybank
Family and Friends
🔥 👍🏼
New to Maybank Customers
First 5,000 applicants: apply for both an eligible Maybank Credit Card and a CreditAble Account, make a min spend of S$600 per month for 2 consecutive months, and receive:
- A pair of American Tourister Linex 66/24 Luggage TSA; or
- AirPods (3rd generation) with Lightning Charging Case; or
- S$200 cash credit
Note that you need to apply for the CreditAble account, although you do not need to use it.
Application Steps
- Sign up here
- Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
- Fill up this Google form
Please view the terms and conditions here and save a copy for your reference.
Get 8% cashback on selected categories like groceries, telco, and more! Read the review here
Maybank
Barcelona
🔥 👍🏼
New to Maybank Customers
First 5,000 applicants: apply for both an eligible Maybank Credit Card and a CreditAble Account, make a min spend of S$600 per month for 2 consecutive months, and receive:
- A pair of American Tourister Linex 66/24 Luggage TSA; or
- AirPods (3rd generation) with Lightning Charging Case; or
- S$200 cash credit
Note that you need to apply for the CreditAble account, although you do not need to use it.
Application Steps
- Sign up here
- Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
- Fill up this Google form
Please view the terms and conditions here and save a copy for your reference.
1.6% unlimited Cashback with no minimum spend nor maximum cashback cap, even on education transactions!
Maybank
Horizon
🔥 👍🏼
New to Maybank Customers
First 5,000 applicants: apply for both an eligible Maybank Credit Card and a CreditAble Account, make a min spend of S$600 per month for 2 consecutive months, and receive:
- A pair of American Tourister Linex 66/24 Luggage TSA; or
- AirPods (3rd generation) with Lightning Charging Case; or
- S$200 cash credit
Note that you need to apply for the CreditAble account, although you do not need to use it.
Application Steps
- Sign up here
- Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
- Fill up this Google form
Please view the terms and conditions here and save a copy for your reference.
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):
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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opnion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).