This October, sign up for these 4 credit cards and get S$550 Grab Vouchers free – only for Shioktoberfest 2017!
More than convenience and security, credit cards offer privileges, rewards and perks which can add up to significant savings. And with our wildly popular Shioktberfest, you will save even more money.
Did you know that if you sign up for 4 credit cards, you can earn up to S$550 in Grab Vouchers? This will save you a chunk on your commutes – whether for convenient family outings, when you need to rush to an appointment, or simply to enjoy a rainy-day indulgence.
The offer may be tempting, but don’t rush to sign up for all 4 cards by yourself, lest you take a hit to your credit rating. Also, as each card gives you a credit limit, you may be taking on too much unsecured credit.
Having said that, credit cards are created to provide savings in different spending categories, so consider spreading these 4 cards among your family members. That way, everyone can help to reduce the household budget via a wide range of perks and privileges.
The following 4 credit cards offer savings for dining, travel, shopping, travel and daily spending! And if you and your family gets all 4 credit cards, you will receive up to S$550 Grab Vouchers.
Name of Credit Card
Other card perks
|Standard Chartered Spree Credit Card||3% cashback on all foreign transactions and vPost spends
2% cashback on all online local transactions, and contactless and mobile payments
1% cashback on all other retail spend
No minimum spend required
Max S$60 cashback per month
|20% cashback on Grab rides globally, capped at S$50 per month, with min spend of S$900
Discounts for vPost, SingPost, Lock + Store, and Smartpac
Up to 25% fuel savings at Caltex
|American Express Singapore Airlines KrisFlyer Credit Card||Get 1.1 KrisFlyer miles per S$1 spent
Get 2 KrisFlyer miles per $1 spent overseas in June and December
|Get up to 15,000 KrisFlyer miles (Get 5,000 miles on sign-up; 7,500 miles when you spend S$2,500 within first 3 months; 2,750 miles on S$2,500 spend)
Earn 500 KrisFlyer miles when you pay for your first Grab ride with the card
|Citi Cash Back Card||8% cash back on dining, groceries, Grab rides and petrol
8% cash back capped at S$25 per category per month, 0.25% cashback applicable thereafter and on all other transactions
Spend at least S$888 per month to earn 8% cashback
|Get S$120 cash back when you spend S$200 per month for 6 consecutive months.
Up to 20.88% savings at Esso and Shell
|HSBC Advance Credit Card||Earn 1.5% cashback (max S$70 per month) on all spends, no min spend.
Spend above S$2,000 to earn 2.5% cashback (max S$70 per month) on all spends
|Sign up Advance bank account to receive up to 3.5% cashback, capped at S$125 per month||S$150|
Standard Chartered Spree Credit Card: Shopping Savings and S$150 Grab Vouchers
The Standard Chartered SingPost Spree Credit Card will appeal to shoppers, especially if you have a habit of buying from overseas shopping sites.
Not only will you earn up to S$60 cashback per month with no minimum spending, you will also enjoy preferential rates on a variety of shipping and storage solutions, which helps you save more, so you can shop more!
And if you find yourself juggling one too many shopping bags, the card’s 20% cashback on Grab rides will help you save money while getting home conveniently and safely.
Amex Singapore Airlines KrisFlyer Credit Card: Free SQ Flights and S$100 Grab Vouchers
What’s better than flying SQ? How about doing so for free?
Apply for the Amex Singapore Airlines Krisflyer Credit Card and earn KrisFlyer miles to start off your holiday in comfort and style. Especially with the current welcome offer, which lets you earn up to 15,000 KrisFlyer miles.
With 1.1 KrisFlyer miles earned on the dollar; 2 miles per S$1 in June and December overseas; and 2 miles per S$1 at singaporeair.com, SingaporeAir mobile app, silkair.com, KrisShop and SilkAir SkyShop, this card is your ticket to enjoying Singapore Air’s legendary service.
One more thing: Pay for your first Grab ride using this card, and earn 500 bonus KrisFlyer miles for free.
Citi Cash Back Card: Rebates on Dining, Groceries, Grab Rides and Petrol and S$150 Grab Vouchers
If you’re looking to reduce your spending in dining out, household groceries and transport, the Citi Cash Back Card can help you out.
Featuring a generous 8% cashback on dining worldwide (including online food delivery!), supermarkets and online grocers, Grab rides and petrol, you’ll be seeing savings in no time. Although the monthly cashback for each category is capped at S$25 per month, combine the savings across all categories and you can save S$100 or more* each month.
(*You’ll continue to earn 0.25% cashback in excess of the S$25 cap for category, and on all other spends.)
Pro-tip: Assuming you drive, register your Citi Cash Back Card on the Grab accounts of your spouse or children, and keep the card yourself for petrol savings. That way your family can earn cashback on both Grab rides and petrol!
HSBC Advance Credit Card: Cashback on All Spends and S$150 Grab Vouchers
With the HSBC Advance Credit Card you can earn up to 3.5% cashback on all spends, along with maximum cashback of S$125 per month.
These attractive rewards are open only to HSBC Advance banking customers, but they are worth it when you consider that this card gives you the highest cashback on the market right now. At S$125 per month, you’ll be saving S$1,500 over 12 months – that’s enough for a short family getaway, a decent fridge or brand new washing machine.
Even without the bonuses from the Advance banking account, you’ll find that this card has plenty going for it. You can earn 1.5% cashback on all spends (on par with other unlimited cashback cards out there) which increases to 2.5% when you spend more than S$2,000 in a month.
Although your cashback at this tier will be capped at S$70 per month, it is still higher than what you can get with some other cards.
And not forgetting that you will earn cashback on virtually anything you spend on, which offers convenience by the bucket.
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By Alevin Chan
A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimize happiness and enjoyment in his life.