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
Please click Apply under each card to see the most up to date promo.
Citi Cash Back
Please note there are two different promos and select carefully:
🔥 👍🏼
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 120,000 points and more
- Citi Rewards: 40,000 points
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 30th June 2023
SingSaver Promo
- Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or
- Nintendo Switch OLED (worth S$549) or
- S$400 CapitaVoucher or
- S$300 cash via PayNow
Until 15th June 2023.
Terms and Conditions. Click here
Get 8% cashback on groceries and petrol, as well as 6% on dining! Read the review here
Citi Rewards
Please note there are two different promos and select carefully:
🔥 👍🏼
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 120,000 points and more
- Citi Rewards: 40,000 points
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 30th June 2023
SingSaver Promo
- Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or
- Nintendo Switch OLED (worth S$549) or
- S$400 CapitaVoucher or
- S$300 cash via PayNow
Until 15th June 2023.
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 Prestige
Use code C04233289T
🔥 👍🏼
New or existing Citi Cardholders
Apply here with code C04233289T (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$540 and making minimum spend of S$800 within first 2 months.
Until 30th June 2023
⚠️ 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 SMRT
🔥 👍🏼
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®
Please note there are two different promos and select carefully:
🔥
Citi Promo:
- Citi PremierMiles: 30,000 miles
- Citi Prestige: 120,000 points and more
- Citi Rewards: 40,000 points
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 30th June 2023
SingSaver Promo
- Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or
- Nintendo Switch OLED (worth S$549) or
- S$400 CapitaVoucher or
- S$300 cash via PayNow
Until 15th June 2023.
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: 120,000 points and more
- Citi Rewards: 40,000 points
- Citi Cash Back: S$300 cashback
- Citi SMRT: S$300 cashback
- Tap here to see Citi promos
Until 30th June 2023
SingSaver Promo:
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or
- Nintendo Switch OLED (worth S$549) or
- S$400 CapitaVoucher or
- S$300 cash via PayNow
Until 15th June 2023.
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
21 days 7 hours 11 minutes 43 seconds left to grab this offer!
StanChart Smart
Please choose the promo you want carefully:
🔥 👍🏼
StanChart Promo
For new cardholders:
| Activity | Reward |
| Sign up with this link and activate physical card within 30 days, no minimum spend required | S$250 cashback¹ |
| Tap here to fill this Google form³ Make one eligible transaction within 30 days of card approval | Additional S$20 cashback² |
- Terms and conditions (Clause 3)
- Terms and conditions (Clause 10 and 11)
- Form is strictly used to troubleshoot referral incentive of S$20 in the event it is not disbursed by the bank
Offer until 30th June 2023
SingSaver Promo
Choose:
- Apple AirPods Pro Gen 2 (worth S$362.35)
- Xiaomi Robot Vacuum S10 (worth S$379)
- Upsized S$300 Cash via PayNow
Plus: bonus S$20 when you also register their new Smart Credit Card as a payment method and have at least $20
transaction on selected merchants (Shopee, Lazada, Taobao, ezbuy, Qoo10, Carousell, Netflix)
⚠️ Fill in SingSaver form found in email
Offer until 11th June 2023
Gives 19.2 Rewards points for selected merchants. That's 5.57 miles per dollars or 6% cashback! Bundle with Bonus$aver for another sign-up gift! Watch the review here
StanChart Journey
🔥 👍🏼
StanChart + Singsaver Promo
For new StanChart cardholders:
| Requirement | Reward |
| Optional: Pay annual fee of S$194.40 (I personally don’t recommend this) | 10,000 miles |
| Additional 5 miles per dollar on up to S$5,000 spend | Up to 25,000 miles |
| Additional 2 miles per dollar on up to S$5,000 of foreign spend | Up to 10,000 miles |
| Maximum | 45,000 miles¹ |
Use the Apply link and get further S$20 + Rebound Luggage tag!²
⚠️ Important: Remember to fill out the Rewards Redemption Form from SingSaver in your email to secure your rewards.
Offer until 30th June 2023.
Terms and conditions:
Gives 19.2 Rewards points for selected merchants. That's 5.57 miles per dollars or 6% cashback! Bundle with Bonus$aver for another sign-up gift! Watch the review here
StanChart Simply Cash
StanChart Promo
For new cardholders:
| Activity | Reward |
| Sign up with this link and activate physical card within 30 days, no minimum spend required | S$250 cashback¹ |
| Tap here to fill this Google form³ Make one eligible transaction within 30 days of card approval | Additional S$20 cashback² |
- Terms and conditions (Clause 3)
- Terms and conditions (Clause 10 and 11)
- Form is strictly used to troubleshoot referral incentive of S$20 in the event it is not disbursed by the bank
Offer until 30th June 2023
SingSaver Promo
Choose:
- Apple AirPods Pro Gen 2 (worth S$362.35)
- Flujo BEA Ergonomic Office Chair (worth S$509)
- Upsized S$300 Cash via PayNow
Plus: bonus S$20 when you also register their new Smart Credit Card as a payment method and have at least $20
transaction on selected merchants (Shopee, Lazada, Taobao, ezbuy, Qoo10, Carousell, Netflix)
⚠️ Fill in SingSaver form found in email
Offer until 11th June 2023
Gives unlimited 1.5% cashback for almost every transaction.
StanChart Rewards+
StanChart Promo
For new cardholders:
| Activity | Reward |
| Sign up with this link and activate physical card within 30 days, no minimum spend required | S$200 cashback¹ |
| Tap here to fill this Google form³ Make one eligible transaction within 30 days of card approval | Additional S$20 cashback² |
Offer until 30th June 2023
Gives Reward points for transactions. Or something. There are better cards than this.
DBS Yuu
Use promo code: DBSYUU
🔥 👍🏼
New DBS cardholders
Get S$250 cashback¹ when you:
- Apply for DBS yuu (either American Express or Visa)
- Make a min spend of S$500 within 30 days from card approval
Existing DBS/POSB cardholders
Get S$80 cashback¹ when you:
- Apply for for DBS yuu American Express (or S$50 cashback for DBS yuu Visa)
- Make a min spend of S$500 within 30 days from card approval
- Sign up before 30th June 2023. 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
Use promo code FLASHVTG
🔥 👍🏼
New and existing cardholders
New and existing cardmembers will be credited up to 80,000 miles and 60,000 miles respectively in the form of DBS Points, within 90 to 120 days from the Card approval date.
- Apply for a DBS Vantage Card
- Use promo code
FLASHVTG - Make payment for non-waivable annual fee of S$594.00 (inclusive of GST); and
- Charge a minimum spend of S$5,000 within 30 days from card approval date
Until 6th June 2023
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
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.
Works for existing cardholders
DBS Takashimaya (Amex)
🔥 👍🏼
New to DBS Takashimaya cards (existing cardholders of other DBS/POSB cards qualify too!)
- Apply online for DBS Takashimaya American Express® Card from 1 March 2023 to 30 June 2023.
- Spend a minimum of S$600 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$300 cashback.
Until 30th June 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)
🔥 👍🏼
New to DBS Cardholders
Get the DBS Altitude (Amex):
- ⭐️ Recommended: up to 27,000 miles (first-year fee waiver; use code
ALTMEXW)
Existing DBS Cardholders
Get the DBS Altitude (Amex):
- ⭐️ Recommended: up to 16,000 miles (fee waiver; use code
ALTMEXAW)
Until 30th June 2023
⚠️ Please remember to use the promo codes.
Get 1.2 mpd for local spend. Free Priority Pass membership which gives 2 complimentary lounge vists a year (exclusive to Visa version only).
Amex
True Cashback
New to Amex
Receive*
3% cashback on first $5,000 of spend (Grab top ups get 1.5% instead)
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 Revolution
🔥 👍🏼
New HSBC Cardholder
Choose:
- Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670)¹ or
- S$150 cashback¹
- Bonus S$30 cash² (for HSBC Revolution)
Existing HSBC Cardholder
Existing cardmembers receive S$50 cashback² instead
⚠️ 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
- For HSBC Revolution: email your card approval email to info@singsaver.com.sg
- Make a min spend of S$1,000 by end of the following calendar month from the card account opening to be eligible for the reward
Valid till 2nd July 2023
For quick reference only; refer to terms and conditions for exact terms:
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:
- Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670)¹ or
- S$150 cashback¹
- Bonus S$30 cash² (for HSBC Revolution)
Existing HSBC Cardholder
Existing cardmembers receive S$50 cashback² instead
⚠️ 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
- For HSBC Revolution: email your card approval email to info@singsaver.com.sg
- Make a min spend of S$1,000 by end of the following calendar month from the card account opening to be eligible for the reward
Valid till 2nd July 2023
For quick reference only; refer to terms and conditions for exact terms:
Get up to 3.5% cashback on eligible transactions
HSBC Platinum Visa
🔥
New HSBC Cardholder
Choose:
- Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670)¹ or
- S$150 cashback¹
- Bonus S$30 cash² (for HSBC Revolution)
Existing HSBC Cardholder
Existing cardmembers receive S$50 cashback² instead
⚠️ 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
- For HSBC Revolution: email your card approval email to info@singsaver.com.sg
- Make a min spend of S$1,000 by end of the following calendar month from the card account opening to be eligible for the reward
Valid till 2nd July 2023
For quick reference only; refer to terms and conditions for exact terms:
5% cash rebate on dining, groceries, and fuel
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 $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 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).