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:

Last updated: 24th May 2024

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

CardsRewardsEndingRemarksReward Provider
🔥Citi CardsGet miles or S$300 cashback! Or choose between gadgets or S$350 S$450 eCapitaVouchers

Option for Rewards Upgrade
2nd June 2024Citi or SingSaver
🔥💳Citi PrestigeGet 50,000 miles, even for existing Citi cardholders31st May 2024Works even for existing Citi cardholders. Great deal offsets annual fees; useful features.Citi
🔥Maybank CardsS$200 cashback, suitcases, AirPods, or 10,000 milesOngoingMaybank
🔥
💳
DBS CardsDBS yuu: $388 cashback

DBS Vantage: 85,000 bonus miles

DBS Altitude: 43,400 bonus miles 

DBS Takashimaya:
S$150 cashback
31st May 2024Many DBS promos work even for existing DBS cardholders!DBS
CIMB CardsStay subscribed for updatesN/ASingSaver
🔥StanChartGadgets or S$330 cash + bonus S$50 regardless of gift choice2nd June 2024StanChart
🔥💳HSBC CardsS$350 eCapitaVoucher or gadgets

Option for Rewards Upgrade
2nd June 2024Existing HSBC cardholders get some rewards too!HSBC
🔥UOB CardsUp to 31,000 Miles!31st May 2024UOB
Amex CardsAmex True Cashback: S$150!

Amex Platinum Charge: up to 140,000 points
4th June 2024Amex/SingSaver
🔥Kris+$5
Multiple promos happening in-app
OngoingWallet app with great promos and extra rewards
No income requirement
Direct
Big PayS$5 cashbackOngoingWallet app; no income requirementDirect
iChangeS$5OngoingMulti-currency wallet app
No income requirement
YouTripS$5OngoingMulti-currency wallet app
No income requirement
Direct
🔥Instarem Amaze325 points (S$3.25)OngoingMulti-currency wallet app
No income requirement
Direct
For quick reference only. Please check respective terms and conditions for full details.

Get a new trading app

WeBull’s US$100 Apple share offer is set to end 30th June 2022.

Trading AppSign-up GiftsLast Date
ProsperUs
code: SETHISFY
Use code SETHISFY and deposit any amount for S$30 Ryde credits
Deposit S$3,000 for and complete 3 trades: US$30 sign-up reward
Deposit S$20,000 and complete 3 trades: US$90 sign-up reward
31st March 2024
WebullUp to US$3,000 of free shares welcome offer + up to US$10,000 transfer in promo!!30th April 2024 (3.59PM)
moomooWelcome Rewards worth up to S$97030th June 2024
Tiger BrokersChoice of an Apple AirPods 3rd Gen with MagSafe charging case (worth S$274) or S$200 cash 30th April 2024
Syfe TradeUse code SETHISFY, get between S$20 to S$100 depending on deposit amount. Ongoing
uSMARTCash Voucher Reward Pack (worth up to USD 14)30th June 2024
For reference only. Terms and conditions apply. Please refer to respective terms and conditions for exact details.

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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