SingSaver 12 Days of Christmas Bonus Cash Rewards
There is a rare chance right now to earn some extra sign up reward. From now until 20 December 2024, you can earn an additional cash reward of S$50 or S$100 when you apply for multiple credit cards from CIMB, Maybank or UOB.
- Apply for 2 cards: Receive an extra S$50 cash
- Apply for 3 cards: Receive an extra S$100 cash.
Brace yourselves, this promotion is quite complicated but I’ll simplify it for you as much as possible. This is on top of the sign up promotions for each cards. I will give you my maximising sign up bonus strategy at the end!
To be Eligible, you must:
- Be a Singapore resident (including Singaporeans, PRs, and foreigners with valid work passes), aged 21 or older.
- Not be an undischarged bankrupt.
- Meet bank specific requirements (like Income requirement, Qualifying Spend Criteria etc) for the eligible product
Promotion Mechanics:
- Apply for eligible product(s) from UOB, Maybank or CIMB through the links below during the promotion period (now until 20 December 2024).
- You must be a New-to-bank cardholder for at least one credit card. This means, if you can apply for three cards, one card has to be new-to-bank, the other two cards can be existing cardholders, subject to the criteria of the bank cards.
- Agree to receive direct marketing messages from SingSaver.
- Complete and submit the SingSaver Rewards Redemption Form with your full name (as per NRIC) within 14 days of your application or by the promotion end date, whichever comes first.
- One Card Application = One SingSaver form. Even if you can apply the cards in one application, you should not. Click through the links below and apply one by one.
- Have your application approved by the provider with no conditions.
There are three tiers of rewards:
- Christmas Bonus Cash Reward
- Sign Up Rewards From SingSaver
- Sign Up Rewards From the Bank (Stackable)
Christmas Bonus Cash Reward Explained:
Task | SingSaver Reward |
Apply for 2 Eligible Credit Cards 1. Apply for any credit card as a New to Bank cardholder 2. Apply for any UOB, Maybank, or CIMB credit card | S$50 Cash via PayNow |
Apply for 3 Eligible Credit Cards 1. Apply for any credit card as a New to Bank cardholder 2. Apply for any UOB, Maybank, or CIMB credit card | S$100 Cash via PayNow |
But wait, that’s not all! There are sign up rewards for new and/or existing cardholders for the three banks mentioned.
Types of Sign Up Rewards:
Direct Bank Reward – Reward that the bank gives when you sign up directly on their website
SingSaver Reward – Reward that Singsaver gives when you sign up via this promotion in my website
Usually, this is not stackable. But for this promotion, it is, which makes it an excellent deal for anyone who wants to get some extra cash rewards from signing credit cards.
Sign Up Rewards From SingSaver & Bank Explained:
CIMB Cards | Singsaver Reward (New and existing cardholders only) | Stackable with: Direct Bank Reward (For New cardholders only) |
Receive S$100 Cash via PayNow (New cardholder) (No Min. Spend required) | - Receive S$88 Cashback with minimum spend of S$108 within 30 days of card approval date - Receive S$188 Cashback (additional S$100 on top of above) with minimum spend of S$988 within 60 days of card approval date | |
As of 13 Dec, 12pm, Existing Cardholders will no longer earn rewards
Maybank Cards | Singsaver Reward (For new and existing cardholders only) | Stackable with: Direct Bank Reward (For new cardholders only) |
S$50 Cash via PayNow (No Minimum Spend) | Choose from: - S$200 cashback - Samsonite ENOW Spinner 69/25 Luggage with minimum spend of: - S$600 per month for two consecutive months if applying for a CreditAble account. - Without a CreditAble account, spend S$650 per month for two consecutive months. | |
Choose from: - S$200 cashback - Samsonite ENOW Spinner 69/25 Luggage - 10,000 Miles with minimum spend of: - S$600 per month for two consecutive months if applying for a CreditAble account. - Without a CreditAble account, spend S$650 per month for two consecutive months. |
As of 11 Dec, 6pm, Maybank DUO is removed from the promotion.
As of 13 Dec, 12pm, Existing Cardholders will no longer earn rewards
These promotions are only for new-to-bank cardholders. So if you are existing cardholder, you can skip this portion
UOB Cards | Singsaver Reward (New cardholders) | Stackable with: Direct Bank Reward (For New cardholders only) |
Choose from: - Apple AirTag (4 pack) (worth S$149) - Sony LinkBuds S (WF-LS900N) (worth S$199) - S$120 Lazada Vouchers - S$120 Trip.com Vouchers - S$100 Cash via PayNow with minimum spend of: - S$500 within 30 days of card approval | Samsonite EVOA Z Spinner 25” Expandable (worth S$730) with minimum spend of: - S$2,000 per month for 2 consecutive months from card approval date | |
S$60 Cash via PayNow no minimum spend | None | |
20,000 bonus KrisFlyer miles with minimum spend of: - S$2,000 within 60 days from card approval date | ||
Up to 58,000 Miles with minimum spend of: - 20,000 miles: Pay the first-year annual fee of S$240 (plus GST). SMS registration required by 31 December 2024. Send “PMAF last 4 alphanumeric characters of your NRIC/passport registered with UOB” to 77862. - 26,000 miles: Spend at least S$2,000 per month for 2 consecutive months from your card approval date. - 12,000 miles: Spend a minimum of S$2,000 per month overseas for 2 consecutive months. |
Lobang Sis Maximising Sign Up Bonus Strategy:
BEST ROI:
If you are new-to-bank for CIMB Cards:
The highest value with lowest spend required will be to apply for three cards:
- one CIMB card as a new cardholder.
- Receive S$188 Cashback (Bank) + S$100 cash (Singsaver) when you spend at least S$988 within 60 days of card approval.
- two Maybank/CIMB cards as existing cardholder
- Receive S$50 cash per approved card with no minimum spend required (S$100 in total)
Plus, Receive S$100 extra Christmas Bonus Cash from SingSaver’s 12 Days of Christmas Promo.
In total, you will receive a total of S$488 of rewards!
In fact, if you really want the maximum cash bonus, you can actually apply for all the CIMB cards and Maybank Cards and receive S$50 per approved card without any spend required, which is what I did. The only limit is if Maybank or CIMB approves all the cards. But don’t try, don’t know. Just be sure to submit one SingSaver redemption form per card application. This is very important. No form = no rewards. This means, when you click on the apply link, just apply ONE card per time.
What I would choose in order of Card Preference:
CIMB:
CIMB Visa Signature – Receive 10% cashback on Online Shopping, Groceries, Beauty, Wellness, Pet Shops, Veterinary Services & Cruises with minimum monthly spend of S$800
CIMB Visa Infinite – Receive Unlimited 2% cashback on Travel, Online & Overseas spending, golf benefits & much more. Receive 3 complimentary global Dragon Pass lounge access at over 1,000 airports lounges annually. This is for annual income is above S$120K.
All CIMB Cards have no annual fee for life. Saves you the effort to get an annual fee waiver.
Maybank:
Maybank Family & Friends Card – Receive 8% cashback for 5 chosen categories with a minimum monthly spend of S$800
Maybank Horizon Visa Signature – Receive 2.8 miles per dollar on airtickets and foreign currency spending above S$800 per month.
Maybank World Mastercard – Receive 2.8 miles per dollar for all foreign currency spending above S$800 and 3.2 miles per dollar above S$4000, per month. Receive up to 20.05% discount plus 4 miles per dollar with the Caltex Diamond Sky Fuel Card.
Frequently Asked Questions:
- Do I only submit one Singsaver rewards form for all: If applying for more than one (1) card, make sure to submit a separate application and a SingSaver rewards form for each card. One Card Application = One SingSaver form. Check this post to know how to claim SingSaver Rewards
- If I apply for more cards, does that mean, more annual fee: Applying for more credit cards can result in more annual fees, as each card typically comes with its own fee. However, if you’re applying for cards that offer an automatic annual fee waiver in the first year, you can avoid these fees initially. On the year when annual fee renews, you should be able to ask for an annual fee waiver just by calling the bank. Watch my Tiktok video here.
Final Thoughts:
This is a very rare deal for CIMB Cards and Maybank Cards. I am personally going to sign up using my maximising sign up bonus strategy. If you have received value for this, you can use the APPLY HERE above to help keep my channel and website running. If you have any questions, feel free to ask in my telegram channel. K, I’m going to apply now!
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
