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.
Kris+
Use code W159000 for 500 miles!
Kris+ gives bonus 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 9% rebates! See the review here and check out the guide
🎁 New Users
Get 500 KrisPay miles (worth S$5) when you sign up with referral code W159000
💳 May Promo
Get up to 16 miles per dollar (16% rebate) on dining and 7 miles per dollar (7% rebate) on Pelago bookings. New users get half-price deals for May 2026
For reference only; refer to exact details in terms and conditions
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.
Shopback
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.
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.
Webull
Bonus Rewards From SingSaver
| Requirement | Reward |
| Either: sign up and fund minimum initial of US$2,000 or S$2,741 and maintain for 30 days. | |
| OR: sign up and fund minimum initial of US$10,000 or S$13,705 and maintain for 60 days. | Choose 1: → → Dyson SSHD 15 (retailing S$599) → Bose Quiet Comfort Ultra Earbuds → |
Stacks with Webull’s Offer
Until 30th May 2025 (3.59PM)
| Cumulative Net Deposit of US$2,000 Complete 3 buy trades (US stocks, ETFs, and options) and maintain a net deposit of ≥ US$2,000 or S$2,741 until 29th June 2025, 11:59 PM SGT. | US$60 Apple Shares |
| Cumulative Net Deposit of US$10,000 Complete 5 buy trades (US stocks, ETFs, and options) and maintain a net deposit of ≥ US$10,000 or S$13,705 until 29th July 2025, 11:59 PM SGT. | US$300 Apple Shares |
| Cumulative Net Deposit of US$100,000 Complete 8 buy trades (US stocks, ETFs, and options) and maintain a net deposit of ≥ US$100,000 or S$137,043 until 29th July 2025, 11:59 PM SGT. | US$600 Apple Shares |
Get 0 platform fee, and trade fractional shares from as low as US$5 per trade. Great for dollar-cost averaging small amounts!
If you deposit or withdraw SGD, it will be converted to the equivalent USD amount at the exchange rate of S$1 = US$0.7297 to determine your deposit. E.g. S$13,704.27 = US$10,000
Refer to terms and conditions for exact requirements:
Last updated: 21st May 2025
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.
Syfe Trade Promo Details (tap here for review)
Last updated: 18th June 2023
| Activity | Reward |
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 creation | S$20 for new to Syfe customers |
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:
1a) S$60 cash credit is only for the first 200 New-to-UOB Deposit customers per calendar month who:
- 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
- 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.
OR
1b) S$30 cash credit is only for the first 200 Existing-to-UOB Deposit customers per calendar month who:
- 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;
- 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
- 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).
And
2) S$50 cash credit is available under the UOB Salary Credit Campaign (1 January 2023 to 30 June 2023) for customers who have:
- Successfully submitted an online participation form here; and
- 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).
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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, use
A3021619132Q
Complimentary hotel nights, unlimited lounge access, and airport transfers can make up for the S$651.82 annual fee. S$120,000 annual income requirement. Read the review here
💳 New Cardholders
If you are new Citibank cardholder, I would encourage you to sign up for another Citibank card first so that you can enjoy both welcome offers!
🎁 Welcome Gift
For new or existing Citi cardholders, sign up by 30th November 2026 and pay annual fee of S$651.82 to qualify for sign-up offer:
| Welcome Gift | Bonus Gift | |
|---|---|---|
| Citigold | 80,000 points (32,000 miles) | 82,500 points (33,000 miles) |
| Retail | 50,000 points (20,000 miles) | 62,500 points (25,000 miles) |
Minimum spend required in first 2 months
⚠️ Important Steps
- Apply for the card with link provided (you may need to turn off content blockers)
- Make payment for S$651.82 annual fee when it is charged to statement
- Minimum spend required in first 2 months from card approval
- Citigold Private Client: S$10,000
Citigold: S$12,000
Retail: S$14,000
For reference only; refer to exact details in terms and conditions
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.
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.
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
Get 8% cashback on private commute and petrol, as well as 6% on groceries and dining! Read the review here
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
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.
Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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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).