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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.
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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.
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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.
This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.
Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend
2 Priority Pass visits per membership year (Visa version only)
DBS Woman’s World Card
Flash Deal:
Existing Rewards:
UOB Lady’s Card
Depending on what your planned usage is, you can change the categories every quarter.
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.
NIL
UOB Krisflyer 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 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:
Maybank World Mastercard
This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)
Flash Deal:
Existing Rewards:
UOB Evol Card
NIL
DCS Flex Card
Flash Deal:
Existing Rewards:
UOB One Card
Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
Tier 1 | Tier 2 | Tier 3 | |
Minimum Spend | S$600 | S$1,000 | S$2,000 |
Minimum Transaction Count | 10 | 10 | 10 |
Base Cashback per quarter | 3.33% (S$60 cashback) | 3.33% (S$100 cashback) | 3.33% (S$200 cashback) |
Additional Cashback on Selected Spends | 5% | 5% | 6.67% |
Additional Cashback on Grocery Spend New | – | 2.67% | 4.67% |
Total | up to 8.33% | up to 8.33% | up to 10% |
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025) | |||
For Existing HSBC Cardholders:
Atome
Atome
Atome is a “buy now, pay later” (BNPL) platform. It lets shoppers split their purchases into three equal, interest-free payments—making it easier to manage cash flow.
Accepted at over 10,000 online and in-store merchants in Singapore
Atome usually codes as MCC 5999 (Misc. & Specialty Retail). Some banks allow points for this, others don’t.
Best Practice: Manual Payment –manually trigger your 2nd and 3rd payments via the app. Auto-payments might be flagged as recurring bills and won’t earn rewards on credit cards. You would want to choose to “Pay in 3” as longer installment plans would incur extra charges. There are often vouchers on the app that you can use to offset the cost further.
For Existing HSBC Cardholders:
HSBC Revolution Card
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$10 off your first transaction.
Flash Deal:
Existing Rewards:
UOB PRVI Card
AMEX Krisflyer Ascend Card
UOB Preferred Platinum Visa
NIL
UOB Preferred Platinum Visa Card
Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward
Mari Credit Card
Option 1: Direct Bank Promotion
Option 2: Singsaver Promotion
Citi Rewards Card
Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
This is on top of 4 miles per dollar on Citi Rewards + Amaze.
Know what this card is best for:
Standard Chartered Bonus$aver
Get Bose QuietComfort Wireless Noise Cancelling Earbuds (Black) (worth S$249)
How to qualify:
Apply for a Bonus$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$aver account yet.
Valid from 01 November – 31 December 2025
Apply for a Standard Chartered credit card first if you are new to SC credit card holder (with sign-up bonus) before joining this promo. I personally recommend these two:
Earn 1.5% cashback with no minimum spend and no cap
Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories
2 Priority Pass visits per membership year
If you open the Bonus$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.
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:
HeyMax
HeyMax
HeyMax is a Singapore-based rewards platform that lets you earn Max Miles on top of your regular credit card rewards when you spend with linked Visa cards. You can redeem these miles for flights, hotel stays, or cash back through its FlyAnywhere feature.
The app helps you identify which card gives the best rewards for each merchant, allowing you to maximise every transaction.
DBS Altitude Card
Maybank Family & Friends Card
Standard Chartered Simply Cash Card
Know what this card is best for:
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
