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: 23rd November 2023

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

CardsRewardsEndingRemarksReward Provider
🔥Citi CardsGet miles or S$300 cashback!31st January 2024Citi or SingSaver
🔥💳Citi PrestigeGet 71,000 miles, even for existing Citi cardholders29th February 2024Works even for existing Citi cardholders. Great deal offsets annual fees; useful features. Read this for promo analysisCiti
🔥DCS CardsGet a pair of luggage!30th November 2023DCS
🔥🔥OCBC CardsFor OCBC 365:
Dyson Supersonic hair dryer or

iPad 9th Gen or

Nintendo Switch OLED or

S$350 Cash via PayNow 
15th November 2023SingSaver + OCBC
🔥Maybank CardsS$200 cashback, suitcases, or AirPodsOngoingMaybank
DBS CardsDBS Yuu Card: $150

DBS Altitude: up to 40,000 miles
30th November 2023Many DBS promos work even for existing DBS cardholders!DBS
🔥CIMB CardsDyson Supersonic™ hair dryer (worth S$699)

Sony WH-1000XM5 (worth S$575)

S$370 upsized cash via PayNow 
30th November 2023SingSaver
🔥StanChartStanChart Journey: 45,000 miles + S$120 cash + ReboundTag

StanChart Simply Cash: S$400 cashback (!!)
30th November 2023StanChart or SingSaver
🔥💳HSBC CardsSony Portable Theatre System HT-AX7 (worth S$759)

Dyson Supersonic™ hair dryer (worth S$699)

Apple iPad 9th 10.2″ WiFi 64GB (worth S$503.65)

S$350 upsized cash via PayNow
8th December 2023Existing HSBC cardholders get some rewards too!HSBC + SingSaver
🔥UOB CardsUp to 31,000 Miles!OngoingUOB
Amex CardsUp to 31,500 miles for KrisFlyer cards.

Up to 140,000 points for Amex Platinum Charge
Multiple promos happening in-app
OngoingWallet app with great promos and extra rewards
No income requirement
Big PayS$5 cashbackOngoingWallet app; no income requirementDirect
iChangeS$5OngoingMulti-currency wallet app
No income requirement
YouTripS$5OngoingMulti-currency wallet app
No income requirement
🔥Instarem Amaze325 points (S$3.25)OngoingDirect
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
Deposit S$3,000 for 60 days: S$38 sign-up reward
Deposit S$10,000 for 60 days: S$88 sign-up reward
31st December 2023
WebullFund any amount for at least 30 days and get 10 free shares worth US$80 to US$5,000!7th December 2023
uSMART Cash Voucher Reward Pack (worth up to USD 12)30th November 2023
moomooWelcome Rewards worth up to S$660 (New Users)4th January 2024
Tiger BrokersGet S$120 upsized cash/S$140 Capitaland vouchers when you open a Tiger Brokers account and fund any amount.

Fund a min. of USD 1,000 on your account to get an additional S$60 cash/S$50 Capitaland vouchers. Valid till 20th December 2023. T&Cs apply.
20th December 2023
Syfe TradeUse code SETHISFY, deposit at least S$2,000 and get S$20 cash creditOngoing
For reference only. Please refer to respective terms and conditions

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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