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Hello! I'm Audz!

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:

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Citi Rewards

Get Dyson Airstrait™ straightener or Ergotune Joobie or S$450 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Airwrap Origin or Apple iPad (A16) 11" Wi-Fi 128GB or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 30, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

Citi Rewards

Get Dyson Airstrait™ straightener or Ergotune Joobie or S$450 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Airwrap Origin or Apple iPad (A16) 11" Wi-Fi 128GB or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 30, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

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.

Best Cards For

Featured

MOOMOO

Receive extra S$20 on top of the Welcome Rewards

Interactive Brokers

Receive up to S$1,000 in IBKR stock when you sign up via this link

CMC Invest

Get 4 free Grab shares on top of their welcome offer.

VIEWQWEST

Enjoy S$50 off your internet bill​

Click Here

Trip.com

Receive S$20 worth of coins when you sign up a Trip.com account

Klook

Key in "IJUSTTRYLAHKLOOK" to receive up to 10% off your travel bookings

Dobin

Key in "IJTL" upon sign up + connect to 1 bank account

Azgo

A cashback app that gives 1% more than Shopback. Receive S$5 with code "X8FKAT" with min. spend of S$20

Click Here

HeyMAX

Receive bonus Max Miles when you sign up for heymax account

Choc Visa Debit Card

Sign Up Here

Portable Dryer

As featured on my instagram

Pocket Tripod

Get S$5 off using code "KB5-LOBANGSIS"

Click Here

CREDIT CARDS REVIEWS

hsbc revolution cardface with beach in a suitcase background
uob lady savings account banner + calculator
ocbc nerf
HSBC credit card offer with free Nintendo Switch 2025 – promo for new applicants
dbs woman's world card singapore nerfed
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standard chartered logo
gxs logo
amaze cardface
gsx logo with card and background

TRAVEL

BANK ACCOUNTS

uob lady savings account banner + calculator
Should You Put Money in UOB Lady's Savings Account? Use This Calculator to Find Out
A simple tool to help you decide if chasing bonus miles is worth it I get this question all the time:...
uob one account banner
Nerfed: UOB One Account Interest Rate from 4% to 3.3% Explained
UOB has announced that the interest on the UOB One Account will drop from 4% to 3.3% p.a., starting 1...
chocfin & heymax
Earn 2 Miles Per Dollar On Insurance, Charity Donations, AXS Bills & Hospital Bills on Chocolate Visa Debit Card
https://youtu.be/wSj_AOXUZgM&list=PLDFEQWdI9twYf6nbW01yPgv9eWB61THP4 From 11 February 2025, you...
gxs bank
Receive an easy S$40 when you sign up for GXS Bank Account and Debit Card
Overview: For a limited time period, GXS Bank is offering sign up bonuses when you sign up for a new...
lobangsis profile pic 3

Hello! I'm Audz!

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:

Follow on

SC Journey

Get Samsonite Straren Spinner 67/24 or 12,000 Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval.

Valid till: June 30, 2025

SC Smart

Get Apple Airpods 4 (with Active Noise Cancellation) or Hinomi H1 Classic V3 Ergonomic Office Chair (Without Headrest) or S$250 Shopee Voucher or S$200 Cash via PayNow when you spend S$800 within 30 days of card approval date

Valid till: June 30, 2025

OCBC Infinity

Get Apple Airpods 4 or Shark Wandvac Handheld Vacuum - WV203 or S$180 Shopee Voucher or S$150 Cash via PayNow when you make at least one transaction with no minimum spend within 30 days of card approval

Valid till: June 30, 2025

OCBC Rewards

Get Apple Airpods 4 or Shark Wandvac Handheld Vacuum - WV203 or S$180 Shopee Voucher or S$150 Cash via PayNow when you make at least one transaction with no minimum spend within 30 days of card approval

Valid till: June 30, 2025

Citi Rewards

Get Dyson Airstrait™ straightener or Ergotune Joobie or S$450 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Airwrap Origin or Apple iPad (A16) 11" Wi-Fi 128GB or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 30, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

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.

Kris+

Receive 750 miles free with code “Y066895”

CardUp

Receive S$30 OFF for new sign ups with code “PINING,AGNESN515″

iPayMy

Receive $30 off as a NEW user via link above

Shopee Ambassador Programme

Receive S$5 with code “8HYHGHH”

Atome

Receive S$10 OFF your first Atome purchase

YouTrip

Receive S$5 via link below

Wise

Receive a fee-free international transfer up to S$900

Amaze

Receive sign up bonus points with code “Ac6aso

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.

HSBC Revolution Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
  • Valid from from 24 June (3PM) to 30 June 2025
  • Available for New HSBC Cardholders
    • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email to secure your rewards after you have applied!

HSBC Revolution Card

  • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month
  • The categories include:
    • Department Stores and Retail Stores
    • Dining (excluding hotel dining)
    • Transportation & Membership Clubs
    • Travel-Related (until 31 October 2025 only)
  • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
  • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
  • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 31 October 2025. 

 

Special hack: 

Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

 

Annual Fee
  • None

 

Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (foreigners)

 

Points Expiry
  • 37-month period, starting from the month after the month in which the points were acquired

 
Transfer Partners
  • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

UOB Lady’s Card

NIL

UOB Lady’s Card

    • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
    • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
    • No minimum monthly spending required
    • Spending Cap:
      • Classic Card: S$1,000
      • Solitaire & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

    Depending on what your planned usage is, you can change the categories every quarter. 

     

    Annual Fee
    • S$196.20 (incl. GST), waived for first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Points Expiry
    • They expire 2 years after the final day of each periodic quarter in which they were earned
     
    Know what this cards is best for

     

    Terms and Conditions

    Read Full Review

    ocbc logo

    OCBC 360 Account

    • Get 1-year Disney+ Premium subscription (worth S$189.98) when you credit at least S$1,800 monthly salary to your account via GIRO or FAST/PayNow by the following month of account opening
    • Must enter the code: VHW8FDOS
    • Only for the first 2,000 eligible customers
    • Valid from 1 July to 31 July 2025
    • You’ll receive the Disney+ subscription code in your registered email address by the 15th working day of the following month after satisfying the qualifying action
    • Read Terms and Conditions here
    ocbc360logo

    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:

    • Salary Crediting: Your salary must be deposited from a corporate account with the purpose of payment being “SALARY” to qualify for the full interest rate.
    • Savings Increase: You need to increase your balance by S$500 monthly for bonus interest, with potential “resets” impacting your ROI. Check the OCBC app under “Money Insights” > “Total Balance” to see if you meet this criteria.
    • Spend S$500 a month on one of these OCBC Credit Cards: OCBC 365, OCBC Infinity Cashback, OCBC NXT, OCBC 90N or OCBC Rewards.

    HSBC Advance Card

    • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
    • Valid from from 24 June (3PM) to 30 June 2025
    • Available for New HSBC Cardholders
      • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email to secure your rewards after you have applied!

    HSBC Advance Card

    • Earn 1.5% cashback on all local & overseas purchases with no minimum spend and 2.5% cashback on all local & overseas purchases if you spend more than S$2,000 in a calendar month. Cashback capped at S$70 per calendar month; maximum sweet spot spend is S$2,800
    • This card is best used when you have a large monthly spending of S$2,000 to S$2,800. Particularly best for wedding banquets.
     
    Annual Fee
    • S$196.20, first year waived
     
    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)
     
    When is Cashback Credited
    • It will appear on your card statement and be credited to your account before the end of the next calendar month.
     
    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    HSBC TravelOne Card

    • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent + pay annual fee
    • Valid from from 24 June (3PM) to 30 June 2025
    • Available for New HSBC Cardholders
      • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email to secure your rewards after you have applied!

    HSBC TravelOne Card

    • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
     
    Annual Fee
    • S$196.20 (inclusive of GST), first year free waiver
     
    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)
     
    Points Expiry
    • After 37 months
     
    Transfer Partners
    • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
     
    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    HSBC Live+ Card

    • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
    • Valid from from 24 June (3PM) to 30 June 2025
    • Available for New HSBC Cardholders
      • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email to secure your rewards after you have applied!

    HSBC Live+ Card

    • Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
    • There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

    Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

     

    Annual Fee
    • S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    When is Cashback Credited
    • It will be credited within 2 months, after the end of each calendar quarter.

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    amaze cardface

    Instarem Amaze

    How To Apply an Instarem Amaze Card:

    1: Download the Instarem app and create an account

    2: Link your mastercard to amaze

    3: Start using your card

    Receive bonus instapoints with code “Ac6aso

    amaze cardface

    Instarem Amaze

    Amaze Card: Think of it as a smart hub for up to 5 Mastercards. Pay with just one card and still enjoy the rewards from your linked cards.

    • Earn card reward points (must use correctly).
    • Get lowered fx spread of 2+% instead of usual bank card’s FX markup of 3.25% to 3.75%
    • 1% fee on all SGD Spends

     

    Amaze Wallet: Like a digital travel wallet, it lets you store multiple currencies and lock in great exchange rates ahead of time—perfect for easy, cashless spending overseas.

    • Overseas ATM Withdrawals
    • Exchange and hold 11 currencies: SGD, MYR, THB, USD, EUR, CHF, NZD, CAD, AUD, GBP, JPY 
    • Wallet limit of S$15,000 per transaction, up to S$75,000 in calendar year
    • Transfer balance from amaze wallet directly to bank account
    • Set spend limits by daily or per-transaction for security
    • Earn 0.5 Instapoints per dollar on local or overseas spend, no cap
    • Fee-free on currency exchanges in wallet
    • 2% ATM withdrawal fee

     

    Full Review

    Mari Credit Card

    • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
    • You must be among the first 500,000 New Mari Credit Card Holders
    • Must be a new-to-bank customer
    • Valid until 31 December 2025
    • Read Terms and Conditions here

    Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

    Mari Credit Card

    • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
    • Earn 1.7% Unlimited Cashback on eligible card spend
    • No minimum monthly spend requirement and no maximum cashback cap

     

    Annual Fee
    • None

     

    Income Requirement
    • S$30,000 (Singaporeans or PR)

     

    When is Cashback Credited
    • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

     

    1.7% Cashback Terms and Conditions

    3% Shopee Coins

    3% Overseas Spend

    Read Full Review

    trust card cardface

    Trust Cashback Card

    • Receive a scratch card worth up to S$1,000 with promo code “FYS31XY4”
    • How to Apply:

      Step 1: Download the App

      Step 2: Apply for Credit Card through MyInfo

      Step 3: Use you Singpass to continue application

      Step 4: Once redirected on the app, enter important information and enter promo code “FYS31XY4”

      Step 5: Choose preferred credit limit and name on card

      Step 6: Choose repayment date, then done!

    trust card cardface

    Trust Cashback Card

    • Earn unlimited 1% cashback on overseas spending.
    • A great option for overseas transactions.
    • No need to transfer money like a multi-currency card when tapping at a payment terminal or making online purchases abroad.
    choc visa debit card cardface

    Chocolate Finance

    Currently, there is no sign-up bonus, but you can earn 250 Max Miles when you register for a HeyMax account.

    choc visa debit card cardface

    Chocolate Finance

    • Earn 1 Max Miles per dollar on the first S$1,000 spent each month
    • Earn 0.4 Max Miles per S$1 after S$1,000 spend
    • Bill payments will continue to earn miles, but will be capped at 100 miles per month
    • Earn miles on insurance payments, charity donations, utilities, education fees, and AXS Bill payments
    • Zero foreign exchange fees — Visa’s exchange rates are passed directly to you with no hidden fees or markups

     

    Know what this card is best for