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 22 hours 57 minutes 56 seconds left to grab this offer!

Citi Cash Back

🔥 👍🏼

New to bank*
Choose:

  1. Dyson V8 (worth S$549)
  2. Apple Watch SE (worth S$419)
  3. S$300 S$400 via PayNow!!

Existing customers
$30 via PayNow, no min spend required

Until 24th May 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

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

Citi Rewards

🔥 👍🏼

New to bank*
Choose:

  1. Dyson V8 (worth S$549)
  2. Apple Watch SE (worth S$419)
  3. S$300 S$400 via PayNow!!

Existing customers
$30 via PayNow, no min spend required

Until 24th May 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

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

Citi Prestige

🔥 👍🏼

Promo 1

(direct from Citi): apply here (sign up as a new Citi cardholder if doing so as an existing cardholder does not work)

New to Citi Prestige (including existing cardholder of other Citi cards)

Get 100,000 ThankYou points (40,000 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)


Promo 2

(SingSaver): apply here

New to bank*
Choose:

  1. Dyson V8 (worth S$549)
  2. Apple Watch SE (worth S$419)
  3. S$300 S$400 via PayNow!!

Existing customers
$30 via PayNow, no min spend required

Until 24th May 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

For new to Citi customers: I encourage you to apply for one of the other Citi Cards (under Promo 2) first before getting Citi Prestige under Promo 1. Read the review here

For existing Citi customers: I encourage you to apply under Promo 1 as the bonus miles is significantly better than Promo 2’s $30. Read promo details 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. Dyson V8 (worth S$549)
  2. Apple Watch SE (worth S$419)
  3. S$300 S$400 via PayNow!!

Existing customers
$30 via PayNow, no min spend required

Until 24th May 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

Gives 1.6% cashback on all eligible transactions.

Citi PremierMiles

🔥 👍🏼

New to bank*
Choose:

  1. Dyson V8 (worth S$549)
  2. Apple Watch SE (worth S$419)
  3. S$300 S$400 via PayNow!!

Existing customers
$30 via PayNow, no min spend required

Until 24th May 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

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

StanChart Cards


12 days 22 hours 58 minutes 55 seconds left to grab this offer!

StanChart Smart

🔥 👍🏼

New to bank*
Enjoy a 3-month Disney+ subscription^ and and choose 1*:

  1. Sony WH-1000XM4 wireless headphone worth S$499
  2. AirPod Pro worth S$379
  3. S$300 cash via PayNow

Existing cardholders

Receive $30 via PayNow*

Offer until 31st May 2022

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

  1. Optional: fill in contest form for lucky draw
  2. Apply with the link
  3. Important: find SingSaver email and fill in redemption form
  4. Fulfil spend requirements (if applicable) after getting your card

Terms and conditions apply

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 cards promo details

New to DBS/POSB CardholdersExisting Cardholders
Sign up for one of the below cards
Apply code SSFLASH and make minimum $500 of spend within 30 days of card approvalGet Apple Watch SE (worth $419)!N/A
Or apply code SSFLASH300 and make minimum $500 of spend within 30 days of card approvalGet $300 cashback!N/A
Optional: apply for DBS Takashimaya Card and spend $350 per month for 2 months (outside of Takashimaya)Get $150 cashback!Get $150 cashback!

Please click each link to see the latest promo.

DBS
Altitude

  • 1.2 miles per dollar
  • Free lounge visits

New to bank
Choose:

  1. Apple Watch SE – use code SSFLASH
  2. S$300 cashback – use code SSFLASH300

Min spend of $500 within 30 days of card approval required

Until 29th April 2022

DBS
Altitude (Amex)

  • 1.2 miles per dollar
  • Free lounge visits

New to bank
Choose:

  1. Apple Watch SE – use code SSFLASH
  2. S$300 cashback – use code SSFLASH300

Min spend of $500 within 30 days of card approval required

Until 29th April 2022

DBS
LiveFresh

  • 5% cashback

New to bank
Choose:

  1. Apple Watch SE – use code SSFLASH
  2. S$300 cashback – use code SSFLASH300

Min spend of $500 within 30 days of card approval required

Until 29th April 2022

DBS
Woman’s World

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

New to bank
Choose:

  1. Apple Watch SE – use code SSFLASH
  2. S$300 cashback – use code SSFLASH300

Min spend of $500 within 30 days of card approval required

Until 29th April 2022

POSB Everyday

  • Up to 8% cashback on daily essentials

New to bank
Choose:

  1. Apple Watch SE – use code SSFLASH
  2. S$300 cashback – use code SSFLASH300

Min spend of $500 within 30 days of card approval required

Until 29th April 2022

DBS
Takashimaya (Amex)

New to DBS Takashimaya cards (existing cardholders of other DBS cards qualify too!)
$150 cashback with a minimum spend* of $350 per month for 2 months

*must be outside of Takashimaya. See terms and conditions

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

Amex
True Cashback

 New to Amex

Receive*:

  • S$100 cash via PayNow

Plus:

  • 3% cashback on first $5,000 of spend

*min spend of S$500 required within 30 days of card approval

Until 4th May 2022

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
S$200 cashback*^

Existing customers
S$30* + S$30^ = $60 cashback

*Sign up using SingPass MyInfo
^Minimum spend of $500 before end of following month from application
Valid until 31st July 2022

HSBC
Revolution

New to bank
S$200 cashback*^

Existing customers
S$30* + S$30^ = $60 cashback

*Sign up using SingPass MyInfo
^Minimum spend of $500 before end of following month from application
Valid until 31st July 2022

HSBC
Visa Platinum

New to bank
S$200 cashback*^

Existing customers
S$30* + S$30^ = $60 cashback

*Sign up using SingPass MyInfo
^Minimum spend of $500 before end of following month from application
Valid until 31st July 2022

Maybank
Family and Friends

New customers

Singsaver promo
Receive S$20 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account and receive:

  • First 2,000 applicants: Garmin vívomove Style
  • 2,001 onwards: S$100 cashback

Both promos stack if you sign up with the Apply button above.

Until 20th February 2022

Maybank
Horizon Visa

New customers

Singsaver promo
Receive S$20 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account and receive:

  • First 2,000 applicants: Garmin vívomove Style
  • 2,001 onwards: S$100 cashback

Both promos stack if you sign up with the Apply button above.

Until 20th February 2022

Maybank
Platinum Visa

New customers

Singsaver promo
Receive S$20 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account and receive:

  • First 2,000 applicants: Garmin vívomove Style
  • 2,001 onwards: S$100 cashback

Both promos stack if you sign up with the Apply button above.

Until 20th February 2022

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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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