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:

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

★	Cards	Rewards	Ending	Remarks	Reward Provider
🔥	Citi Cards	Free iPad! Or choice of other gadgets or cash	1st October 2023		Citi or SingSaver
🔥💳	Citi Prestige	Get 71,000 miles, even for existing Citi cardholders	31st October 2023	Works even for existing Citi cardholders. Great deal offsets annual fees; useful features. Read this for promo analysis	Citi
🔥	DCS Cards	Get a pair of luggage!	30th September 2023		DCS
🔥🔥	OCBC Cards	Apple AirPods Pro or Hinomi H1 Classic V3 (with Headrest) Ergonomic Office Chair (worth S$459) or S$280 eCapitaVoucher	28th September 2023		OCBC
🔥	Maybank Cards	S$200 cashback, suitcases, or AirPods	Ongoing		Maybank
🔥 💳	DBS Cards	DBS Yuu Card: $250 DBS Taka Card: $300 cashback!! DBS Altitude: up to 40,000 miles	30th September 2023	Many DBS promos work even for existing DBS cardholders!	DBS
🔥	CIMB Cards	Apple iPad 9th Gen 10.2″ WiFi 64GB (worth S$503.65) or  S$320 cash	1st October 2023	Free iPad!!	SingSaver
🔥	StanChart	StanChart Journey: 45,000 miles + S$120 cash + ReboundTag StanChart Simply Cash: S$500 cashback (!!)	21st September 2023		StanChart or SingSaver
🔥💳	HSBC Cards	HSBC Revolution: Samsonite suitcase worth S$670 or S$150 cashback + S$30 cash HSBC TravelOne: 20,000 miles + S$30 cash	1st October 2023	TravelOne promo works for existing HSBC cardholders too!	HSBC + SingSaver
🔥	UOB Cards	Up to 31,000 Miles!	Ongoing		UOB
	Amex Cards	Up to 21,500 miles for KrisFlyer cards. 93,750 points for Amex Platinum Charge	29th August 2023		Amex or SingSaver
🔥	Kris+	$5 Multiple promos happening in-app	Ongoing	Wallet app; no income requirement	Direct
	Big Pay	S$5 cashback	Ongoing	Wallet app; no income requirement	Direct
	YouTrip	S$5	Ongoing	Wallet app; no income requirement	Direct
🔥	Instarem Amaze	325 points (S$3.25)	Ongoing		Direct

Webull

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:

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.

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