With less than 3 weeks to Christmas, you’ll probably be gearing up for some serious shopping to check off your gifting list. Check out these credit card spending rewards to get the most from playing Santa in 2022
It’s the time of the year when indulgent meaningful spending on gifts for your nearest and dearest (including yourself!) is not only highly encouraged but also a tradition for many of us. With credit card rewards and offers galore, we take a look at some of the more popular cards offering some not-to-be-missed redemptions this festive season.
American Express
Promotion: Platinum Christmas 2022
Spending period: The promotion period differs for each participating merchant
Terms and conditions: Varies for different merchants
With four categories of seasonal offers, take your pick for a well-deserved treat for all the hard work you've put in. Whether it's dining, shopping or travel discounts, it's covered under AMEX's Platinum Christmas Selections.
During this season of marathon merry-making, one way to save a little on your party hosting and feasting is to plan ahead. If you're planning to order decadent nosh from some of Singapore's top hotels, the list here includes Swissôtel The Stamford's, The St. Regis Singapore, Singapore Marriott Tang Plaza Hotel and more.
If you're more in the mood for dressing up to wine and dine, look out for dining promotions under "Candlelight Cuisines", whereby a plethora of fine dining options await your selection.
Lastly, don't forget to check out the list of exclusive shopping privileges, and earn 10 Membership Rewards points with every S$1.60 spent with 10Xcelerator from now till 31 December 2022.
CIMB
Promotion: CIMB Credit Cards Christmas 2022 Spend and Get Promotion
Spending period: 10 November to 31 December 2022
Terms and conditions: Link
If hotel buffets or high teas are de rigueur in your Christmas celebrations, this card promotion would fit right into your year-end plans. CIMB credit cardholders who spend a minimum of S$1,288 will stand to receive S$308, S$108, or S$38 worth of dining vouchers at Fairmont Singapore and Swissotel The Stamford.
For holiday gift shopping, the Shopback app lets you earn S$1.88 in your account with a minimum spend of S$5 over 5,000 merchants. On selected “key mega days”, you can earn up to S$5 cashback on your purchases. Terms and conditions apply.
You can also earn up to 50% off festive deals with your CIMB credit card.
DBS
Promotion: DBS Stack Your Rewards Promotion
Spending period: 1 December 2022 to 31 January 2023 and includes 2 Spend Periods:
a) 1 December 2022 to 31 December 2022 (“Spend Period 1”)
b) 1 January 2023 to 31 January 2023 (“Spend Period 2”) , all dates inclusive
Terms and conditions: Link
DBS/POSB credit card spend and redeem card rewards are always worth looking forward to, and this year is no exception.
While you shop up a storm and dine out with friends, stack your card rewards to earn an additional 5% cashback.
This promotion applies to the first 50,000 cardholders with any DBS/POSB Card to register for the ‘Stack Your Rewards’ campaign on your DBS PayLah! app and meet your monthly personalised spend goal across shopping, dining, and travel.
Visit the website for the full terms and conditions.
HSBC
Promotion: Festive Campaign 2022
Spending period: 1 December 2022 to 5 February 2023
Terms and conditions: Link
Planning to splash out on some big gifts for your loved ones? Make your purchases extra worthwhile with HSBC's Festive Spend and Get Promotion.
The range of festive dining, retail, and staycation promotions makes it easy to pamper yourself while enjoying some attractive cashback.
Enjoy S$168 cash rebate (limited to the 1st 1000 redemptions) with a minimum of S$7,000 spent (min. of 10 qualifying transactions). If you're among the 1st 600 cardholders to spend above S$12,000, you'll enjoy a S$328 cash rebate.
To qualify for the redemption, HSBC credit cardholders can simply register using the following steps:
If you're not a HSBC cardholder yet, sign up now and receive up to S$200 cashback.
OCBC
Promotion: OCBC Christmas Spend & Get Promotion 2022
Spending period: 7 November to 26 December 2022
Terms and conditions: Link
This festive season, be rewarded with amazing gifts when you register for this OCBC spend and redeem promotion and pay with any OCBC card, the OCBC Digital or OCBC Pay Anyone™ apps. There are 2 tiers of prizes to be won:
- Tier 1: Apple Watch Series 8 GPS 41mm Aluminium Case with Sport Band – Regular (worth S$599)*
- Tier 2: 2D1N Stay at W Singapore – Sentosa Cove, inclusive of breakfast for two (worth S$1,065)
Qualifying spend includes retail transactions (face-to-face or online purchases) made on any OCBC Credit or Debit card, Scan and Pay transaction via OCBC Digital or OCBC Pay AnyoneTM, i.e. a (i) successful peer-to-merchant payment whether made through PayNow QR, PayNow UEN, Mastercard QR, NETS QR via OCBC apps; or (ii) AXS bill payment made via OCBC Pay AnyoneTM.
The list of non-qualifying spending categories include: payments or transactions relating to all card fees and charges, annual card fees, interest, late payment charges, goods and services taxes, cash advances, balance transfers, other bank fees and charges, income tax payment, bill payments made via Internet Banking and AXS, membership fees, NETS point-of-sale transactions, funds to pre-paid accounts and merchants who are categorized as “payment service providers” including (without limitation) EZ-Link, NETS FlashPay, Transit Link, GrabPay,
Youtrip, Shopee Pay, Singtel Pay.
Winners will be notified by 31 January 2023.
Standard Chartered
Promotion: Christmas 2022 Promotion
Spending period: 8 November to 31 December 2022
Terms and conditions: Link
From 8 November 2022, Standard Chartered cardholders who register on the SC Mobile app can earn up to S$120 cashback for credit card purchases.
Source: Standard Chartered
Do note that the Christmas Cashback awarded is not accumulative. The amount of Christmas Cashback you receive will be based on your final accumulated Spend Amount captured at the end of the promotion period.
A cardholder may only receive one (1) of the three (3) Christmas Cashback Amounts. The maximum amount of Christmas Cashback that can be awarded to each cardholder is capped at S$120.
Non-eligible transactions include payments for insurance premiums, government transactions, top-ups of prepaid accounts like GrabPay or YouTrip, and EZ-Link card transactions. The full list of exclusions is available on the promotion page under “Excluded Transactions”.
UOB
Promotion: UOB Cards Spend & Get Promotion 2022
Spending period: There are 2 qualifying periods for this promotion -
- 21 Nov 2022 to 11 Dec 2022: Xbox Series S + Blue Storage Trunk
- 12 Dec 2022 to 1 Jan 2023: Xbox Series S + Green Storage Trunk
Terms and conditions: Link
From shopping, travel, and dining treats, Christmas provides the best opportunities to gather with your friends and make some serious travel plans for 2023.
While you're at it, UOB's Christmas deals are a great way for credit cardholders to spend and redeem some cool prizes. The grand prize is an Xbox Series S with a limited edition storage trunk designed by local artist Toby Tan (@tobyato).
This promotion is open to UOB credit and debit cardholders who register by sending the following SMS to 77862 from the mobile number registered with the bank:
XMAS<space>Last 4 characters of NRIC/Passport No.<space>Date of birth in DDMMYY (eg. XMAS 234A 010188)
Upon sending the message, you will receive a confirmation message from the bank.
The main criteria is to spend a minimum of S$7,800 on a card during one of the qualifying periods. The first 500 qualified cardholders who are eligible to redeem the Gift for each redemption period will be notified via SMS with the redemption details by 31 Jan 2023.
There is also a host of shopping, travel, and dining promotions which you can take advantage of over the UOB TMRW app to end the year on a bang.
Bonus - SingSaver End Of Year Campaign
With so many cool prizes waiting to be won, there’s also our very own End Of Year campaign where awesome prizes await when you sign up for any of the qualifying financial products on SingSaver. While this is not a credit card spend and redeem promotion, it is certainly one that's worth participating in for the prizes alone.
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