The Best Wallet App, Bank Account, Trading App, and Credit Cards!

Here are the best personal finance products that have given us users the best value over the past year, and would hopefully still hold strong in the new year ahead!

Best Wallet App of the Year

Okay I have talked a lot about Kris+ but I can’t help it because it really is such a strong wallet app and deserves the Best Wallet App of the Year for 2022. From relatively frequent spend and win promos to milesback campagins, Kris+ delivers earn rates that no other wallet app can match. Even its base earn rates of 3 to 9 miles per dollar or 2 to 6% cashback is generous, and you get these rewards on top of your card’s earn rates.

Kris+ does have relatively scarce merchant acceptance, but the list of merchants is growing each month with new retailers and restaurants added. This problem was so bad at first, even shops that accepted Kris+ had cashiers who had no idea how to work the app. Such an issue is long solved now that more users are coming on board, and if you have been missing out, sign up here, and check out my guide for more details.


Remember to enter code W159000

New users

Get S$5 when you sign up with referral code W159000

Until 31st March 2024: spend 2 transactions of at least S$50 each with a Mastercard credit/debit card and get bonus 750 Krispay miles (S$5 rebate). Make sure to start the challenge first and this is limited to the first 2,500

Gives miles on top of your usual card rewards! Not a miles person? The miles can also be used as cashback. Get as much as additional 9 miles or 6% cashback! See the review here and check out the guide

The honourable mention for Best Wallet App of the Year goes to ShopBack Pay which can rival Kris+ in terms of earn rates. It also does have its promos from time to time, and just like Kris+ offers its additional cashback rates on top of our usual credit card rewards.

ShopBack has also been getting their wallet app accepted in places like hawker centres and food courts, and it’s a strong wallet app to use where it’s accepted.


Use code CsgtbD

New users

Get S$5 when you sign up with referral code CsgtbD, make a transaction of at least S$20, and add your withdrawal information.

Terms and conditions

Gives extra cashback on top of your usual card rewards!

Best Trading App of the Year

The trading app scene has been quite competitive over the past couple of years with all manners of animals trying to win you over. This prize has to be given to the one that has been giving the best value to users, and my pick would be Webull.

Do note that Webull has been a regular sponsor of my site and YouTube channel, but I think we can all agree that Webull has been one of the most generous. It has been giving great sign-up offers and its trading fees currently stand at a big fat 0 for commission and platform fees.

Webull has also been introducing new features such as buying of mutual funds, and it also supports fractional trading I really like. These two features mean that you can invest even with a low capital outlay, and you can have a well diversified portfolio without incurring high fees that other brokers tend to charge.


Until 3.59PM 31st May 2024

 Register and open account with this link 0 commission trades for US Stocks and ETFs for 31 days
0 subscription fees for mutual funds
Welcome Promo (New Users)US$200 cash vouchers*

US$650 cash vouchers*

Or US$1,050 cash vouchers*
US$200 cash vouchers: fresh deposit of US$2,000, complete 3 buy trades and maintain until 30thJune 2024)

US$650 cash vouchers: fresh deposit of US$10,000, complete 5 buy trades and maintain until 30thJune 2024

US$1,050 cash vouchers: subscribe at least US$100,000 to Moneybull and maintain until 31stAugust 2024
Moneybull Interest Booster (New Users) Fund up to US$250,000Get as much as US$10,500
with 180 days of 8.4% p.a. return^
Deposit Promo (Existing Users)Fresh deposit of US$10,000 to US$250,000, subscribe at least US$10,000 to Moneybull and maintain until 31st August 20243% investment match* up to US$7,500 return in cash
Transfer-in PromoParticipate in Transfer-in Promo and fill out Share Transfer Form

a) First transfer of US$10,000 of shares and maintain for 90 days

b) First transfer of US$50,000 of shares and maintain for 90 days

c) First transfer of US$150 of shares and maintain for 90 days
a) US$400 cash vouchers

b) US$1,000 + exclusive US$200 trading vouchers

c) US$2,000 + exclusive US$500 trading vouchers

Also get up to US$150 transfer fee subsidy
You can fund the equivalent in Singapore dollars using the rate SGD$ = US$0.7297

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

*T&Cs apply. Principal is not guaranteed. Returns are not guaranteed and not an indication of future performance. All investments involve risks and are not suitable for every investor. This advertisement has not been reviewed by the Monetary Authority of Singapore.

^Figures shown are based on 7-Day Yield (PA.) of the USD Cash Fund in Moneybull as of 25 Mar 2024 plus Moneybull Interest Booster P.A generated after 180 days generated from the first USD 250,000 Moneybull Subscription.

Terms and conditions:

Last updated: 22nd May 2024

The honourable mention for Best Trading App of the Year goes to Syfe Trade. I haven’t talked about that app in a while, but it is perhaps the easiest to use owing to its simple and clean user interface. Syfe Trade recently introduced SGX trading, and you can now buy local stocks which was a missing feature during its launch.

See more trading apps here.

Syfe Trade Promo Details (tap here for review)

Last updated: 18th June 2023

Sign up for Syfe Trade (use phone) with promo code SETHISFY
Fund minimum S$2,000 and place your first trade within 30 days of account creationS$20 for new to Syfe customers
For quick reference only. See terms and conditions

Best Bank Account of the Year

High-interest bank accounts are becoming a thing again, after becoming irrelevant for a good part of the pandemic thanks to suppressed interest rates. They’ve made a big comeback since, and UOB has offered not only attractive interest rates, but great promos too.

You have probably missed the flash sale (see the importance of subscribing to the Telegram?) but UOB still has a Lunar New Year promo that lets you earmark funds for added cash gifts (will write a post on this soon).

UOB One Account

Up to S$110 cash credit comprising EITHER 1a) S$60 cash credit, OR 1b) S$30 cash credit and 2) S$50 cash credit:

Terms and Conditions

1a) S$60 cash credit is only for the first 200 New-to-UOB Deposit customers per calendar month who: 

  1. Successfully open a UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, or UOB One Account online from 1 March 2023 to 30 April 2023, and
  2. Deposits at least S$5,000 Fresh Funds into their new UOB account within the account opening month and hold it till the end of the following calendar month.


1b) S$30 cash credit is only for the first 200 Existing-to-UOB Deposit customers per calendar month who: 

  1. Successfully open a new a UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, or UOB One Account online from 1 March 2023 to 30 April 2023;
  2. Deposit at least S$5,000 Fresh Funds into their new UOB Account within the account opening month and hold it till the end of the following calendar month; and
  3. Fresh Funds deposited into the new UOB Account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all other UOB current accounts and/or savings accounts of the customer as at 28 February 2023.

Click here for full terms and conditions governing UOB Online Account Opening Promotion (1 March to 30 April 2023). 


2) S$50 cash credit is available under the UOB Salary Credit Campaign (1 January 2023 to 30 June 2023) for customers who have: 

  1. Successfully submitted an online participation form here; and
  2. Successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account via GIRO or PayNow within two calendar months from the date of submission of the participation form.

Click here for the Terms and Conditions governing UOB Salary Credit Campaign (1 January 2023 to 30 June 2023).

Get as much as 5% p.a. effective interest on $100,000 balance!

The honourable mention for Best Bank Account of the Year goes to OCBC 360, and you can see a in-depth comparison here. Also, see more savings products here.

Best Miles Card of the Year

My pick for Best Miles Card of the Year is Citi Prestige, and you would probably choose any card that gets you some 300,000 worth of miles in a few months to be your personal favourite too. This was achieved almost entirely with Citi PayAll promos, where I essentially bought miles for cheap by putting all manners of bills and payments through Citibank’s payment service.

While Citi PayAll is also available on other Citi cards, the Citi Prestige is a particularly compelling one to use since PayAll spend counts towards its sign-up promo as well as complimentary airport transfers.

Citi Prestige

If code is required C04233289T

🔥 👍🏼

New or existing Citi Cardholders

Apply here (if you get an error message signing up as an existing cardholder, try again as a new Citi cardholder)

Get bonus 125,000 ThankYou points worth 50,000 miles (even existing cardholders of other Citi cards are eligible!):

Welcome Gift (payment of annual fee)62,500 bonus points
(25,000 miles)
S$2,000 spend in local or foreign currency within qualifying period62,500 bonus points
(25,000 miles)
Total125,000 bonus points
(50,000 miles)

For quick reference only. See terms and conditions for full details.

  1. Fee-paying Citi PayAll transactions also count towards the local spend requirement.
  2. Qualifying period is 2 months after end of card approval month (e.g. card approved on 15th March 2024 → qualifying period until 31st May 2024).
  3. Existing cardholders of other Citi cards can also enjoy this promo.

Until 31st May 2024

⚠️ 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

Honorable mentions go to HSBC Revolution, UOB Preferred Platinum Visa, and Citi Rewards + Amaze. All three cards give 4 miles per dollar on most areas of spend, and they are good choices to get lots of miles for your daily expenditure. A comparison article is coming up, so stay subscribed to the Telegram for that.

See more credit cards here.

Best Cashback Card of the Year

Whether a cashback card is good or not is perhaps one of the most subjective things on this list – we can’t even agree on what earn rate a cashback card gives sometimes – but few people would dispute that UOB EVOL is a strong cashback card deserving to be called the best for 2022. Its contemporary, OCBC FRANK, was nerfed a few months ago, leaving UOB EVOL an easy pick for Best Cashback Card of the Year.

While its “8% cashback” marketing is misleading, the UOB EVOL can easily give an effective 6.67% cashback for S$600 of spend per month. The requirements are simple and straightforward since you just need to split your spend between online and contactless payments. To top it off, UOB EVOL even works as an eligible card for UOB One Account’s requirements.


🔥 👍🏼

S$350 Cash credits: 
 The first 200 new-to-UOB credit card customers in May 2024 who successfully apply for an eligible UOB Credit Card between 1 May 2024 and 31 May 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit. Click here for full terms and conditions.

Terms and conditions

Get 6.67% effective cashback on $600 of spend each month!

Despite UOB EVOL’s strengths, Maybank Family and Friends can be the superior card for many. 8% cashback is nothing to sneeze at, and the requirements for Maybank Family and Friends are not that difficult to meet since you can choose 5 categories out of 10. Once you get a regular, monthly thing going, it is a difficult card to top given how generous 8% cashback is.

Speaking of 8% cashback, the honourable mention for Best Cashback Card has to be Citi Cash Back given how easy any person or family can get essentially an 8% discount on groceries. Longtime readers should already know this “trick”, but it’s worth repeating for those who are unfamiliar: you simply buy $800 to $1,000 of supermarket vouchers with the card to meet the minimum spend of 8% cashback, then spend the vouchers over however many months you need to.

Citi Cash Back

Please note there are different promos so select carefully:

🔥 👍🏼

Citi Promo:

  • Citi PremierMiles: 30,000 miles
  • Citi Prestige: 125,000 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

Last day to apply: 31st July 2024

SingSaver Promo:


  • Apple iPad 10th Gen 64GB WiFi (retailing for S$529)
  • Dyson Supersonic (retailing for S$699)
  • Sony HT-AX7 Portable Theatre System (retailing for S$769)
  • S$450 eCapitaVoucher
  • S$300 cash via PayNow

Optional – upgrade reward:

  • Top up S$999 for MacBook Air 13-inch 256GB M3
  • Top up S$1,099 for iPhone 15 Pro 128GB
  • Top up S$1,488 for Samsung Galaxy S24 Ultra 512GB

Last day to apply: 2nd June 2024

New cardholders only; spend S$500 within first 30 days of card approval to qualify.
⚠️ Fill out SingSaver Rewards Redemption Form after application. No form = no reward
Terms and conditions apply

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

What does 2023 hold?

Will we see even better products come 2023, or will we see nerfs? It’s anyone’s guess what’s going to happen this year, but I look forward to compiling this list again when this year comes to a close.

Keep up to date on the best cashback/mile cards, financial products, attractive deals, and more tips to maximise your financial wellbeing by subscribing to my Telegram channel.

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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 opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).

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