Key in "IJUSTTRYLAHKLOOK" to receive up to 10% off your travel bookings
Receive bonus Max Miles when you sign up for heymax account
Sign Up Here
As featured on my instagram
Get S$5 off using code "KB5-LOBANGSIS"
I am just a typical Singaporean girl on a journey of happiness, prosperity, and progress as she tries new things out. Whenever I see a good deal, I share it. You know, like your lobang sis. On this platform, you will find amazing credit card deals, resources to maximize your bank accounts, travel tips and simple ways to enjoy an incredible life so we can huat together. Don't say bo jio.
Feel free to subscribe for the latest lobangs:
Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.
Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.
Advertisements have not been reviewed by the Monetary Authority of Singapore, unless otherwise stated. This platform does not take into account of your personal financial situation or needs, and makes no representation and assumes no liability to the accuracy or completeness of the information provided here. The information and articles do not constitute financial, investment, or trading advice. This platform shall not be liable for any losses that may arise as a result of materials published.
I am just your lobang sis who shares about personal finance, credit card deals, travel tips so we can huat together. Feel free to subscribe for the latest lobangs:
Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.
Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.
UOB PRVI Card
My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.
Standard Chartered Journey Card
NIL
DBS Vantage Card
Earn 1.5 miles or 1.5% cashback per dollar; 3.75 DBS Points for every S$5 spent locally, such as groceries, shopping and more and 2.2 miles or 2.2% cashback per dollar; 5.5 DBS Points for every S$5 spent on overseas purchases in foreign currency
This comes with ten (10) free airport lounge visits per membership year
This is also best used with CardUp to pay for expenses that typically don’t earn miles, you basically pay a service fee to charge those payments to your DBS Vantage card and accumulate rewards. This is similar to “buying” miles.
The first year’s fee is non-waivable. Subsequent years’ fees can be waived if cardholders spend at least S$60,000 per membership year.
OCBC 360 Account
OCBC 360 Account
OCBC 360 Account is a high-yield savings account that rewards you with bonus interest for crediting your salary, saving, and spending on OCBC cards. You can also purchase insurance or investment products. It’s ideal for working adults who can consistently meet these criteria to maximize their interest earnings.
Comes with 3 Main Requirements:
Standard Chartered Bonus$aver
Get up to S$168 cashback (consists of S$138 welcome cashback + S$30 when you apply using my code: DBF6F) when you deposit and maintain S$50,000 in fresh funds.
How to qualify:
Apply for a Bonus$aver Account and Bonus$aver World Mastercard Credit Card (as main account/principal cardholder).
Deposit S$50,000 fresh funds.
Keep the deposit until the end of the calendar month after account opening.
Who can apply:
New Bonus$aver accountholders, or existing Standard Chartered customers who don’t have a Bonus$aver account yet.
Apply for a Standard Chartered credit card first if you are new to SC credit card holder (with sign-up bonus) before joining this promo. I personally recommend these two:
Earn 1.5% cashback with no minimum spend and no cap
Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories
2 Priority Pass visits per membership year
If you open the Bonus$aver Account + Bonus$aver World Mastercard first, you won’t be considered new-to-bank for other Standard Chartered credit card sign-up rewards.
Standard Chartered Bonus$aver
The Standard Chartered Bonus$aver Account offers up to 8.05% p.a. interest on the first S$$100,000 when you credit salary, spend on the linked card, and opt for investment or insurance products. Salary and card spend alone can earn around 3.05% p.a.
Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward
Mari Credit Card
Singtel-UOB Card
Singtel-UOB Card
AMEX Krisflyer Ascend Card
1. S$60 Cashback Bonus
Apply for a new Maybank XL Cashback Card or Maybank XL Rewards Card and get S$60 cashback when you make just one transaction (limited to first 2,000 eligible cardmembers), for the subsequent customers, you’ll get S$10 cashback. The cashback will be credited automatically to your card account.
⚠️ Maybank does not provide visibility on whether you’re within this cap.
2. Complimentary Etiqa Travel Insurance
Get 12 months of Etiqa insurance coverage for overseas medical expenses (including adventurous activities) up to S$5,000. Coverage applies only to accidental injuries and illnesses during leisure trips.
The XL card’s welcome gift is only S$10 cashback. If you’re new to Maybank and want better sign-up rewards, consider this strategy:
If you planned to get the XL Cashback Card, apply for the Maybank Family & Friends Card instead (also a cashback card).
If you planned to get the XL Rewards Card, apply for the Maybank World Mastercard instead (a miles card).
As a new-to-bank customer, applying for another Maybank credit card first could unlock bigger gifts, such as a Samsonite Interlace Spinner 67/24 luggage (worth S$570) when you spend a minimum of S$1,300 in the first two months.
On top of that, the Maybank World Mastercard also makes your miles non-expiring—so you’re building a stronger rewards foundation right from the start.
Earn 6% or 8% cashback for five of your chosen categories.
Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend
Maybank XL Rewards/Cashback Card
Maybank XL Rewards:
Earn 4 miles per dollar on bonus categories such as
Local currency spend: dining, travel, shopping, play
All foreign currency spending
Earn 0.4 miles per dollar on other spends
Minimum spend of S$500 and a spending cap of S$1,000 per calendar month
Maybank XL Cashback:
Earn 5% cashback on bonus categories such as
Local currency spend: dining, travel, shopping, play
All foreign currency spending
Earn 0.2% cashback on other spends
Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.
Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.
Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.
Terms and Conditions:
UOB Visa Signature
UOB Visa Signature
Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
Note: Categories 1 and 2’s cap are separate — you can meet just one or both.
UOB Preferred Platinum Visa
NIL
UOB Preferred Platinum Visa Card
Standard Chartered Simply Cash Card
Know what this card is best for:
Maybank Family & Friends Card
Tier | Minimum Spend | Cap per Category |
Tier 1 – 6% cashback | S$800 per calendar month | S$20 (max S$333.33 spend) |
Tier 2 – 8% cashback | S$1,600 per calendar month | S$30 (max S$375 spend) |
Base cashback will also drop from 0.3% to 0.22% for all other spend. | ||
Maybank World Mastercard
This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)
