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 28th February 2023

24 days 14 hours 4 minutes 2 seconds left to grab this offer!

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)
S$50 cash
(fulfilled by SingSaver)
Apply for Citi Credit Card and make a minimum qualifying spend of $500 within 30 days of card approvalS$350 cash or milesN/A
Deposit minimum S$15,000 in fresh funds within 2 months of account opening and maintain until end of Month 6S$100
(fulfilled by SingSaver)
(fulfilled by SingSaver)
After depositing S$15,000, if you hold a valid primary/main card of an eligible Citi Credit Card within 2 calendar months from enrolmentS$60
(fulfilled by Citi)
(fulfilled by Citi)
Total RewardsS$560 or $210 + milesS$210

For reference only. Terms and conditions apply

Fall-below fees are waived until 31 December 2023. See the review here.

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: 3rd February 2023

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

CardsRewardsEndingRemarksReward Provider
🔥Amex CardsUp to 21,500 miles for KrisFlyer cards.
113,750 points for Amex Platinum Charge
28th February 2023Amex or SingSaver
🔥Citi CardsMiles or S$350 cash14th February 2023Citi or SingSaver
🔥💳Citi PrestigeGet 48,000 miles, even for existing Citi cardholders31st March 2023Works even for existing Citi cardholders. Great deal offsets annual fees; useful features. Read this for promo analysisCiti
Maybank CardsFirst 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
4,501 onwards: S$100 cashback
DBS CardsDBS Yuu Card: $260 for new cardholders, $10 for existing
DBS Taka Card: $150 cashback!!
DBS Altitude: up to 43,000 miles
28th February 2023DBS Taka and Altitude promos work even for existing DBS cardholders! DBS
🔥CIMB CardsMarshall Stockwell II / S$250 Cash28th February 2023SingSaver
🔥StanChart SmartApple AirPods Pro 2nd Gen (worth S$359)
Xiaomi TV A2 HD 32” (worth $329) or 
S$270 cash via PayNow
28th February 2023Stack with Bonus$aver Account for double rewardStanChart or SingSaver
HSBC CardsReceive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or
S$200 cashback
30th April 2023HSBC
UOB CardsS$30 from SingSaver
First XXX reward from UOB
31st January 2022UOB rarely has promosSingSaver + UOB
Multiple promos happening in-app
OngoingWallet app; no income requirementDirect
Big Pay$10 cashbackOngoingWallet app; no income requirementDirect
YouTrip$5OngoingWallet app; no income requirementDirect
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 1st March 2023

55 days 6 hours 4 minutes 2 seconds left to grab this offer!

Register and open account with this link, fund S$100, buy 1 Stock or ETF, and maintain for 30 daysUS$50 cash voucher
0 commission trades for US and HK markets
Execute at least 1 Options buy trade on the US market within 30 daysUS$50 cash voucher
Subscribe to 1 Mutual Fund of any value and maintain for at least 5 days to spin the wheelAdditional US$8 to US$1,888 worth of Apple shares!
Total US$100 + US$8 – US$1,888
For quick reference only. Refer to its terms and conditions.

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 3rd Feburary 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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