January Deals: Great Start to the Year

Januarys tend to be a relatively soft month for deals – at least for the past couple of years – but January 2023 has been great. There is a whole bunch of promos and deals for most classes of products we care about, and let’s hope this keeps up for the rest of 2023.

Turnaround time for gift fulfilment

Do note that fulfilment of promos through a intermediary like SingSaver can take a few months, so apply if you are willing to wait. Usually, applying directly with the product provider can get you rewards faster, but SingSaver tends to have better promos. Moving forward, I will highlight the source of rewards more prominently.

Last chance for Citi Plus promo

Citi Plus is offering an excellent deal of S$100 when you open your account, an additional S$60 for holding a Citi credit card, and even more when you fund your account. The deal is going to be worse after 8th January, so this is the last weekend for you to grab the current promo:

Citi Plus

Interest Booster Account

Until 31st July 2023

ActivityNew to Citi Customers
(no Citi account nor credit card)
Existing Citi Cardholders
(no Citi account)
Apply for Citi Plus Interest Booster Account and fill up SingSaver form in email ⚠️no form, no rewardS$50 cash
(fulfilled by SingSaver)
Apply for Citi Credit Card and make a minimum qualifying spend of $500 within 30 days of card approvalS$300 cashback or milesN/A
Deposit minimum S$15,000 in fresh funds within 2 months of account opening and maintain until end of Month 6S$150 or Marshall Minor earphones (worth S$199)
(fulfilled by SingSaver)
Potential Total RewardsS$500S$200

Bank account promos

Aside from Citi Plus, other banking deals look good this month, and I’ve collated them over at the Savings page. Notable ones include S$188 for BonusSaver which is recently offering more than 4% p.a. in realistically achievable interest, and S$350 for HSBC EGA.

Excellent credit card deals

This month, we have three banks offering at least S$300 of sign-up promos at once. Citi is giving an excellent choice between an iPad and S$350, while StanChart is offering S$320 with no minimum spend required!

HSBC is also offering S$300 for selected credit cards, and they have been a relatively rare sight for great credit card promos so grab the deal when you have the chance.

Don’t forget also DBS and CIMB – not their highest ever promos, but both are offering S$250 sign-up gifts.

If you are willing to pay annual fees for a lifestyle card, and there are strong reasons to do so, there’s the Citi Prestige promo and the Amex Platinum Charge promo. Both sign-up offers are set to end later this month.

Last updated: 20th September 2023

🔥 Great deal
💳 Sign-up gifts for existing bank customers

CardsRewardsEndingRemarksReward Provider
🔥Citi CardsFree iPad! Or choice of other gadgets or cash1st October 2023Citi or SingSaver
🔥💳Citi PrestigeGet 71,000 miles, even for existing Citi cardholders31st October 2023Works even for existing Citi cardholders. Great deal offsets annual fees; useful features. Read this for promo analysisCiti
🔥DCS CardsGet a pair of luggage!30th September 2023DCS
🔥🔥OCBC CardsApple AirPods Pro
Hinomi H1 Classic V3 (with Headrest)
Ergonomic Office Chair (worth S$459)

S$280 eCapitaVoucher
28th September 2023OCBC
🔥Maybank CardsS$200 cashback, suitcases, or AirPodsOngoingMaybank
DBS CardsDBS Yuu Card: $250

DBS Taka Card: $300 cashback!!

DBS Altitude: up to 40,000 miles
30th September 2023Many DBS promos work even for existing DBS cardholders!DBS
🔥CIMB CardsApple iPad 9th Gen 10.2″ WiFi 64GB (worth S$503.65) or 
S$320 cash
1st October 2023Free iPad!!SingSaver
🔥StanChartStanChart Journey: 45,000 miles + S$120 cash + ReboundTag

StanChart Simply Cash: S$500 cashback (!!)
21st September 2023StanChart or SingSaver
🔥💳HSBC CardsHSBC Revolution: Samsonite suitcase worth S$670 or
S$150 cashback + S$30 cash

HSBC TravelOne: 20,000 miles + S$30 cash
1st October 2023TravelOne promo works for existing HSBC cardholders too!HSBC + SingSaver
🔥UOB CardsUp to 31,000 Miles!OngoingUOB
Amex CardsUp to 21,500 miles for KrisFlyer cards.
93,750 points for Amex Platinum Charge
29th August 2023Amex or SingSaver
Multiple promos happening in-app
OngoingWallet app; no income requirementDirect
Big PayS$5 cashbackOngoingWallet app; no income requirementDirect
YouTripS$5OngoingWallet app; no income requirementDirect
🔥Instarem Amaze325 points (S$3.25)OngoingDirect
For quick reference only. Please check respective terms and conditions for full details.


Webull lowered their promo in the New Year, but recently changed their minds about it. You can still a generous US$150 of cash coupons if you haven’t already done so:


Until 3.59PM 28th September 2023

1 day 23 hours 22 minutes 44 seconds left to grab this offer!

Register and open account with this link0 commission trades for US and HK markets for 183 days
0 subscription fees for mutual funds
Fund any amount3 sure-win shares 5 sure-win shares– TSLA US$3 each
– AAPL US$8 each
– AMZN US$50 each
– GOOG US$100 each
Maintain funds for at least 30 days5 sure-win shares

Get 0% commission and platform fee, and trade fractional shares from as low as US$5 per trade. Great for dollar-cost averaging small amounts!

Last updated 8th September 2023.

Cathay Pacific’s 15% bonus for miles conversion

While Singapore Air is perhaps the biggest frequent flyer programme in Singapore, it is not the only game in town. Cathay Pacific is offering 15% bonus miles when you transfer at least 20,000 miles from your bank points, and this offer is good until 31st January 2023.

While most points conversion take just a couple of days to process, it can take up to a week or two, so convert your points early as points that reach your Asia Miles account after 31st January 2023 will not accrue any bonus points.

Other promos

There are of course other deals like Kris+’s excellent Spend and Win campaign, and DBS’s 5% extra cashback promo (check your PayLah app), and we will probably see even more CNY promos happening over the next couple of weeks.

Stay subscribed to be kept informed of the latest and greatest deals… and a particular Google Pay “game”.

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