Things to Do Before July
As June ends, deals are ending, and SRS withdrawal age is going up! Speaking of up, so are mortgage rates. Do these things before July comes around:
Get credit card sign-up gifts
Here are excellent deals that are going away end of 30th June 2022:
- CIMB Cards → $250 is the highest cash gift given;
- Citi Cards → S$400 of vouchers
- DBS Takashimaya Card → S$150 cashback even for existing users
- Citi Prestige → 40,000 miles even for existing users
- StanChart Smart → S$300 or Xiaomi Vacuum
Last updated: 21st May 2023
🔥 Great deal
💳 Sign-up gifts for existing bank customers
| ★ | Cards | Rewards | Ending | Remarks | Reward Provider |
| 🔥 | Amex Cards | Up to 21,500 miles for KrisFlyer cards. 93,750 points for Amex Platinum Charge | 31st May 2023 | Amex or SingSaver | |
| 🔥 | Citi Cards | Free iPad! Or choice of other gadgets or cash | 31st May 2023 | Citi | |
| 🔥💳 | Citi Prestige | Get 48,000 miles, even for existing Citi cardholders | 31st May 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 June 2023 | DCS | |
| 🔥 | OCBC Cards | Free Samsonite 28” luggage or S$250 in cashback | 31st May 2023 | ||
| 🔥 | Maybank Cards | S$200 cashback, suitcases, or AirPods | Ongoing | Maybank | |
| 🔥 💳 | DBS Cards | DBS Yuu Card: $350! DBS Taka Card: $300 cashback!! DBS Altitude: up to 37,000 miles | 6th June 2023 | Many DBS promos work even for existing DBS cardholders! | DBS |
| 🔥 | CIMB Cards | S$280 cash | 21st May 2023 | SingSaver | |
| 🔥 | StanChart | StanChart Smart: S$270 cashback with no minimum spend! StanChart Journey: 45,000 miles + S$20 cash + ReboundTag | 31st May 2023 | Stack with Bonus$aver Account for double reward | StanChart or SingSaver |
| 🔥💳 | HSBC Cards | HSBC Revolution: Samsonite suitcase worth S$670 or S$150 cashback + S$30 HSBC TravelOne: 20,000 miles | 31st May 2023 | TravelOne promo works for existing HSBC cardholders too! | HSBC |
| UOB Cards | Bank offer | Ongoing | UOB | ||
| 🔥 | 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 | 1,000 points (S$10) | 10th June 2023 | Direct |
Get a new trading app
WeBull’s US$100 Apple share offer is set to end 30th June 2022.
| Trading App | Sign-up Gifts | Review |
| ProsperUs code: SETHISFY | ~US$75 of shares and S$40 cash credit (around S$139)! | |
| Webull | Fund any amount and get up to US$500 free shares +Tesla Model 3 lucky draw! | |
| uSMART | Cash Voucher Reward Pack (worth up to USD 12) | Tap here |
| moomoo | Deposit S$100: Get S$2* cash back everyday for 10 days (total S$20)! Deposit a cumulative amount of ≥ S$2,000 and complete 2 Buy Trades in Total: Receive 1 Free* Coca-Cola (NYSE: KO) Stock | Tap here |
| Tiger Brokers | Score S$60 Cash via PayNow when you open a Tiger Brokers Account via SingSaver and fund any amount. Plus get an additional S$60 Cash via PayNow (Total S$120 PayNow Reward) when you fund a minimum amount of USD 1000. | |
| Syfe Trade | Use code SETHISFY, deposit at least S$2,000 and get S$70 cash credit | Tap here |
Open and fund your SRS Account
I have nagged on this a few times before, so here’s a final reminder: open and fund your SRS Account! DBS account applications are instant if you do online during business hours, and 7PM on 30th June 2022 is the absolute deadline for you to open and fund your SRS account to lock in the penalty-free age of 62.
Refinance your mortgage
Interest rates keep going up, and if you haven’t already done so, it’s certainly time to refinance before rates go up even further. Some reports indicate as much as 3 to even 4% pa rates in the future, so if you haven’t started comparing quotes… it’s time to do so.
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