Make Your Money Work Harder For You

There’s nothing quite as magical as these words: ‘1-for-1’

Many issuers in Singapore can gauge your likelihood of approval without a credit check. If you're seeking a credit card with pre-approval, this guide is for you.

American Express has announced a devaluation to its Membership Rewards (MR) programme, which will increase the cost of transfers to all eight of its airline partners. There is a subtle but important distinction to note here. Unlike other credit card nerfs we’ve seen, American Express is devaluing the burn rate (i.e. the rate at which you can redeem points), not the earn rate.

Got a craving that needs to be satisfied, but too lazy to dabao food under the blazing sun? Not a problem.

The Citi Rewards Card lets you rack up rewards points effortlessly if you spend on select categories. Learn more about what this rewards card has to offer.

Here’s how you can eliminate missed payments and streamline your credit bills, even if they’re from other banks.

Trust’s latest credit card is a TRUST-worthy card for your wallet if you are a fan of shopping overseas or shopping at NTUC FairPrice.

Want to earn 4 miles per dollar on all your preferred mobile payments, online shopping, and entertainment? The UOB Preferred Platinum Visa (PPV) Credit Card might do just the trick.

Thanks to the convenience and power of digital banking, applying for a credit card is easier than ever. All it takes is a few clicks to submit your credit card application in a snap.

Credit card rewards are awesome, but earning them can be tricky. But with HeyMax, you’ll never miss another credit card reward again.

Is it possible to get a credit card in Singapore if you don't meet the minimum income requirement?

More than just a shiny accessory, the best metal credit cards in Singapore offer a blend of luxury, durability, and a host of premium benefits. They're not just heavy in your wallet, they're heavy on rewards and perks, making them a statement piece for your financial life. Forget statement jewellery, these metal cards are where it's at.

As 2026 kicks off, now would be a great time to think about how you’re going to accumulate miles in the year ahead. The fact is: many credit card strategies are painfully unoptimised, causing cardholders to earn far fewer miles than they could with just a few easy tweaks! So in the spirit of New Year’s resolutions, here are a few things you might want to commit to doing this year, in order to earn your next vacation faster.

If you’re planning to head overseas for a year-end holiday, one of the key decisions you’ll need to make is what cards to bring along. Even if you plan to use mostly cash, it’s always a good idea to have some cards as a backup, or for situations where cash may not be accepted (such as in-app payments).

The short answer? It's a mix: they earn from your interest and fees, and the businesses you use your card at.

Credit cards offer perks and privileges that help holidaymakers travel in style. Here are six ways you can make use of them to elevate your next overseas trip.

As much as we want to maximise the miles on every transaction, a common mistake that first-time miles chasers make is to only look at quantitative factors, such as earn rates. But not all points are made equal! For example, if two cards offer the same earn rate, you would want to pick the card that wins on qualitative factors, such as non-expiring points, more transfer partners, or free points conversions. By that same token, a lower-earning card could still trump a higher-earning card once points quality is taken into account. That’s why it’s crucial to look beyond top-line earn rates, and in this column, I’ll explain what makes credit card points truly useful, and highlight which banks excel in this area.

Though usually unseen and unnoticed by the average shopper, credit card interchange fees influence everything from the perks you enjoy to the prices you encounter.

Certain credit cards in Singapore offer a valuable feature known as purchase protection, providing a temporary safety net against the unexpected theft or damage of your new purchases.

You can use your credit card to pay for virtually everything in Singapore. Here’s why you should, and how you can do so safely.

Trying to get a personal loan when you’re unemployed can be challenging. Here are some tips to help you secure a loan even if you don’t have a full-time job.

Thinking about taking out a personal loan? Understanding personal loans and how they work is key to making the right financial decision. It all starts with checking your credit, getting pre-qualified, and comparing loan options to find the best deal.

Depending on the type of purchase you are making, you may find that a personal loan works better for you than a credit card or the other way around.

Got your loan rejected? Don’t panic. Understand why it happened, fix the gaps, and improve your chances the next time you apply.

Looking to buy a new home or exploring options for your mortgage in 2026? Here’s everything you need to know about the best home loan rates in Singapore right now.

Refinancing your mortgage can help reduce monthly payments, shorten your loan term, or give you access to your home's equity. 

CIMB, SCB, and Citi offer some of the lowest interest rates on personal loans in Singapore [https://www.singsaver.com.sg/personal-loan]. Learn more about these loans on SingSaver if you find yourself in need of an emergency cash loan.

Debt consolidation lets you take all of your unsecured debt, such as personal loans and credit card bills and pay them off with a single loan. It can also help you reduce interest rates, streamline payments, which in turn aids in managing repayment.

Mortgage rates in Singapore are influenced by your credit score, loan-to-value ratio, economic trends, and benchmark rates like SORA.

Joint loans facilitate shared borrowing, offering partners equal rights and responsibilities in managing the loan.

Are you ready to buy a house? Find out how to tell if you’re financially ready and the questions you need to ask yourself.

Family loans and friendly loans can provide a cheaper leg up when money is needed — but they also risk the relationship. Before you decide to lend money to a family member, you need to carefully consider the circumstances and know the risks.

Payday loans in Singapore: Quick cash solutions, but high costs and risks demand careful consideration. Explore alternatives and understand the facts before you borrow.

Unlocking funds with your assets: A guide to secured loans.

In the financial hub of Singapore, securing the best interest rate for a personal loan is crucial, especially with rates fluctuating based on one's credit profile. This guide offers insights into navigating these waters, helping you secure favourable terms amidst varying economic conditions.

Want to get the best deal on your car without the hassle of running around? Selling your car online is a great way to score a competitive price from the comfort of your own home!!

With $100k savings being a common ‘magic number’ goal among millennials, what’s next for those who have reached this goal?

Wondering how to buy gold? Explore options like bullion, stocks, funds, and futures. Learn their pros and cons and how you can invest in them.

There are numerous ways to invest your hard-earned money in Singapore, from high-yield savings accounts to stocks and bonds. However, the best investment for you depends on various factors, including your financial goals, risk tolerance, and investment timeline.

Gold is attracting attention as a potential hedge against market volatility and inflation in 2025. Let's explore how investors in Singapore can get in on the action with gold ETFs. Gold prices are soaring, recently surpassing the $3,000 per ounce mark, fueling investor interest in using it as a hedge against inflation and economic uncertainty. This surge makes it a good time to consider gold ETFs as part of a diversified investment strategy.

S-REITs are regaining momentum and drawing renewed interest from investors. We discuss some metrics that help you evaluate their investment potential, as well as four S-REITs that you should keep your eye on.

Creating a solid financial plan is like mapping out your route to financial success. It's about understanding where you are now, where you want to be, and how you'll get there. This guide provides a step-by-step approach to financial planning, with a focus on strategies and resources relevant to Singaporeans.

Market orders let you buy or sell instantly at the current price, while limit orders give you control to trade only at your chosen price.

First in Singapore! Earn guaranteed 3% p.a. on your shareholdings with IG Markets. Enjoy monthly income with no lock-ins, no minimum trade amount, and $0 commission and platform fees.

Term life insurance is generally more affordable than whole life insurance but provides coverage only for a fixed duration.

A stock market crash involves a sudden, sharp decline in stock prices. While unsettling, understanding how to prepare and react is key. This guide equips Singaporean investors with strategies to navigate downturns and build long-term financial resilience.

Most Singaporeans invest in traditional assets like stocks, bonds, CPF, or savings accounts — but alternative investments are gaining ground.

While both exchange-traded funds (ETFs) and index funds offer valuable investment opportunities for both novice and experienced investors, it's crucial to understand their distinct characteristics before making investment decisions.

In Singapore's fast-paced market, technology Exchange-Traded Funds (ETFs) offer a dynamic investment avenue. They bundle tech stocks into a single, tradable fund, providing diversification and growth potential.

REIT ETFs offer a convenient way to diversify your portfolio with real estate. Explore the leading performers for this month.

Fixed deposits (FD) and Singapore Savings Bonds (SSB) are both safe investment options, but what exactly are the differences between the two?

With global interest rates on the decline, banks in Singapore have started to slash the returns on their flagship savings accounts. GXS, Maribank, and Trust Bank have already cut their interest rates earlier this year, while Bank of China (BOC), OCBC and UOB will make rate cuts on 1 May 2025. Several of these flagship accounts reward customers for credit card spending, so if you're a miles collector, how do these changes affect the best bank account for you?

Find out how fixed deposit rates work and what are the best current promotional FD rates in Singapore.

Closing a bank account in Singapore won't directly impact your credit score, but doing it the wrong way could still land you in financial trouble.

Whether you're a local or a newcomer, opening a bank account online has never been easier — and faster. Online banking is just a few clicks away!

Secure your legacy. Explore the benefits and drawbacks of putting your house in a trust, and discover if this estate planning strategy is the right fit for your needs.

The Qualifying Child Relief (QCR) is a popular benefit for parents with children in Singapore. Learn more about who qualifies and how it works.

For most Singaporeans, the deadline to file taxes is just around the corner-here's what you need to know to stay on track.

Calculate your income tax in Singapore accurately with this guide to the 2024 tax brackets and rates, effective for Year of Assessment 2025.

The best methods to send money overseas involve using providers that offer competitive exchange rates and avoid imposing excessive fees.

When substantial funds are involved, a cashier's order provides a secure, bank-backed alternative to traditional cheques, ensuring peace of mind for both payer and payee.

Overdraft fees can be a significant expense, and the charges vary considerably among banks in Singapore.

A wire transfer is an electronic method for moving money between bank accounts. These bank-to-bank transfers are often used for significant transactions like overseas tuition payments, property down payments, or sending remittances.

Learn the best ways you can transfer money both overseas and locally within Singapore.

Travelling internationally should be an adventure, not a financial headache. Choosing the right bank can save you significant money on fees and offer convenient access to your funds abroad.

High-yield savings accounts give you easy access to your money, while fixed deposits reward you with higher interest—if you're okay to lock your funds in for a while.

Unlock spending freedom with these top prepaid cards, designed for savvy Singaporeans.

When it comes to international travel, you can fill the gaps in your coverage with travel health insurance, protecting you from unexpected medical bills and emergency situations.

Your travel-hack guide for scoring cheap flights from Singapore.

You can still buy travel insurance after booking. Some plans even allow purchase up to a day before departure, but coverage may be limited if you buy after departure.

Timing and flexibility are crucial in securing affordable international flights. The advent of budget-friendly airlines and various travel platforms has opened up new horizons for Singaporeans eager to explore the world. Yet, the volatile nature of airfares remains a challenge for those on a budget.

Maternity insurance is one of the many things you'l need to purchase when your baby bump starts to show. Here's a handy guide to help with your baby steps into parenting.

These renewable insurance standalones cost very little in defraying very large medical bills. Here are the best ones for you to consider.

It's time to plan your next getaway.

Not all flight tickets are created equal — and knowing whether your airfare is refundable can save you stress and money.

This guide compares the most trusted travel agencies in Singapore for seamless flight booking, personalised tour packages, and unforgettable experiences.

Now that COVID-19 has become the new normal, do I still need to purchase travel insurance with COVID-19 coverage?

Planning your next getaway? With Income Travel Insurance, you’ll enjoy reliable protection for medical emergencies, trip disruptions, and baggage mishaps, so you can travel with peace of mind. Whether it’s a short regional trip or a long-haul adventure, Income offers flexible plans to suit every traveller’s needs.

Emirates offers one of the world's best Economy Class experiences, thanks to its ergonomic seats, thoughtfully selected meals and impressive entertainment system.

Emirates Premium Economy bridges comfort and value, offering Singaporean travellers enhanced amenities without the full Business Class price. Ideal for long-haul flights, it's a savvy upgrade.

Explore crucial travel insurance tailored for scuba diving, a necessity for any diver venturing into the depths. These plans are designed to address the unique risks and potential emergencies associated with underwater exploration, from equipment loss to decompression sickness, ensuring that your adventurous spirit remains free from worry.

Driving in a foreign country means unique challenges, including unfamiliar road rules and different driving norms, so don't assume your personal travel insurance will cover you as you take to international roads!

Unlock free flights and travel perks with savvy miles accumulation. Navigating frequent flyer programmes can be tricky, but this guide simplifies it for Singaporeans.