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: 26th September 2022

πŸ”₯ Great deal
πŸ’³ Sign-up gifts for existing bank customers

β˜…CardsRewardsEndingRemarks
πŸ”₯Amex CardsUp to 40,000 miles30th September 2022Bonus miles
πŸ”₯
πŸ’³
Citi CardsApple iPad 9th Gen (worth S$499) or
an ErgoTune Supreme V3 (worth S$850) or
latest Apple Watch SE 2nd Gen (worth S$379) or
S$350 cash

Flash deal: S$400 via PayNow
2nd October 2022Make sure to get this promo first before Citi Prestige to enjoy both promos.
πŸ”₯πŸ’³Citi PrestigeGet 48,000 miles, even for existing Citi cardholders31st October 2022Works even for existing Citi cardholders. Great deal offsets annual fees; useful features
πŸ”₯Maybank CardsFirst 4,500 applicants:Β Samsonite Harts 68/25 Spinner (worth S$500)
4,501 onwards:Β S$100 cashback

+ Extra S$80 via PayNow
13th October 2022
πŸ”₯
πŸ’³
DBS CardsDBS Taka Card: $150 cashback!!
DBS Altitude: up to 43,000 miles
30th September 2022DBS Taka and Altitude promos work even for existing DBS cardholders!
πŸ”₯CIMB CardsReceive a ErgoTune Classic (worth S$399) or S$250 cash2nd October 2022Highest cash offer!
πŸ”₯StanChart SmartXiaomi Mi Smart Air Purifier 4 Pro or
Apple AirPods Pro (worth S$379)Β 
orΒ 
S$300 cash


Upsized Deal: $324 cash and cashback
2nd October 2022Stack with Bonus$aver Account for double reward
πŸ’³HSBC CardsWelcome Gift:Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval.

Existing cardmembers can receive up to S$150 cashback when they successfully apply for supplementary cards.  
31st December 2022
UOB CardsUOB Absolute gets $3031st August 2022UOB rarely has promos
πŸ”₯Kris+$5
Multiple promos happening in-app
OngoingWallet app; no income requirement
Big Pay$10 cashbackOngoingWallet app; no income requirement
YouTrip$5OngoingWallet app; no income requirement
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 GiftsReview
WebullUp to US$130 TSLA + S$10 Grab shares!
uSMART 0.5 shares of Apple (~S$112, min. deposit S$2,000)
2 shares of Apple (~S$449, min. deposit S$50,000)
S$15 Stock Coupon
Tap here
moomooS$10 Stock Cash Coupon
S$30 Fund Cash Coupon
Sure-win share between S$20 to S$1,000 value
Tap here
Tiger Brokers1 Grab Share and S$88
Syfe TradeS$70 cash credit (use code SETHISFY)Tap here
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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