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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:

Follow on

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

HSBC Live+

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

Valid till: July 6, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

HSBC Live+

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

Valid till: July 6, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 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

upb ppv cardface with mountain background
DBS/POSB cardface with mountain background
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
airplane window
standard chartered logo
gxs logo

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
If you ever considered putting your money on UOB Lady's Savings Account, you might want to check with...
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

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

HSBC Live+

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

Valid till: July 6, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

AMEX True Cashback

Get Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval

Valid till: July 30, 2025

HSBC Advance

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

Valid till: July 31, 2025

HSBC Revolution

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

Valid till: July 31, 2025

HSBC TravelOne

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

Valid till: July 31, 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.

uob ppv cardface

UOB Preferred Platinum Visa

NIL

uob ppv cardface

UOB Preferred Platinum Visa Card

    • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
    • Earn 0.4 miles per dollar on other spendings
    • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
      • Apple Pay
      • Google Pay
      • Samsung Pay (excluding MST)

     
    Annual Fee
    • S$196.20, first year waived

     

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

     

    Points Expiry
    • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

     

    Terms and Conditions

    Read Full Review

    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 01 July to 31 July 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.

     

    For Existing HSBC Cardholders:

    • Get S$50 cashback when you spend S$500 by the end of the following month
    • Valid until 31 August 2025
    • Available for Existing HSBC Cardholders
      • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
      • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
    • Read Terms and Conditions here
    • Must provide marketing consent to HSBC
    • This gift will be fulfilled directly by HSBC

    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 Cardface

    UOB Lady’s Card

    NIL

    UOB Lady Cardface

    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 01 July to 31 July 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.

       

      For Existing HSBC Cardholders:

      • Get S$50 cashback when you spend S$500 by the end of the following month
      • Valid until 31 August 2025
      • Available for Existing HSBC Cardholders
        • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
        • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
      • Read Terms and Conditions here
      • Must provide marketing consent to HSBC
      • This gift will be fulfilled directly by HSBC

      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 pay the annual fee, spend S$500 by the end of the following calendar month + provide marketing consent
      • Valid from from 01 July to 31 July 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.

       

      For Existing HSBC Cardholders:

      • Get Up to 24,000 miles when you pay the annual fee and spend S$1,000 by the end of the following month
      • Valid until 31 August 2025
      • Available for Existing HSBC Cardholders
        • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
        • Eg. You already hold an HSBC Live+ Card and you apply for HSBC TravelOne, you are already an existing cardholder.
      • Read Terms and Conditions here
      • Must provide marketing consent to HSBC
      • This gift will be fulfilled directly by HSBC

      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 01 July to 31 July 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.

       

      For Existing HSBC Cardholders:

      • Get S$50 cashback when you spend S$500 by the end of the following month
      • Valid until 31 August 2025
      • Available for Existing HSBC Cardholders
        • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
        • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
      • Read Terms and Conditions here
      • Must provide marketing consent to HSBC
      • This gift will be fulfilled directly by HSBC

      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