If you’re looking to apply for credit cards, you will probably have seen the sweet credit card sign-up promotions that banks and brands provide!
Who wouldn’t want free gifts like an Apple iPad, a Dyson hair dryer, or cold hard cash?
Of course, nothing really comes for free, as you have to meet requirements such as minimum spending and/or paying annual fees to enjoy these rewards.
Moreover, remember that it is essential that we pick the right credit cards for our lifestyle and avoid getting into credit card debt.
After all, “With great power, comes great responsibility”.
So, if you already have a credit card in mind to sign up for, here are the best credit card promotions and where you can get the best rewards!
TL;DR: Best Credit Card Sign-Up Promotions
Do note that terms and conditions are associated with each promotion, and you’ll often need to be new-to-bank (not have an existing card with the same bank for at least 6 months to a year) to qualify for sign-up rewards.
In This Article
- Credit Card Sign-Up Promotions Comparison: SingSaver vs MoneySmart
- SingSaver Credit Card Sign-Up Promotions & Deals
- MoneySmart Credit Card Sign-Up Promotions & Deals
- Things To Note About Credit Card Sign-Up Promotions
- How Do I Qualify For Sign-Up Rewards?
Disclaimer: This is a non-sponsored article. The information provided by Seedly serves as an educational piece and is not intended to be personalised investment advice. ​Readers should always do their own due diligence and consider their financial goals before investing in any financial product.
Citi
| SingSaver vs MoneySmart Citi Credit Card Sign-up Promotion | SingSaver Rewards | MoneySmart Rewards |
|---|---|---|
| Citi PremierMiles MasterCard Apply Now Citi Prestige Card Apply Now | Heads up! Citi and SingSaver are running an exclusive campaign for the Citi PremierMiles Card and Citi Prestige Card! Apply either the Citi PremierMiles MasterCard or Citi Prestige Card to get a: Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Purifier Cool™ TP10 (worth S$599) or 18K Heymax Miles (worth S$300) or S$320 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. Promotion is valid until 31 July 2024 for new Citi credit cardmembers only. T&Cs apply. For Citi Premier Miles Card: Get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 31 July 2024. T&Cs apply. Alternatively, make a min. spend of S$500 within 30 days of card approval, then top up an additional amount to be eligible for reward: S$1,200 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599) S$1,200 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25) S$1,786 top up – Samsung Galaxy S24 Ultra Titanium 12+512GB (worth S$2,128) Reward Upgrade will replace SingSaver Exclusive promotional reward. Promotion is valid until 31 July 2024 for new Citi credit cardmembers only. T&Cs apply. | No ongoing promotions. |
| Citi Cash Back Card Apply Now Citi Cash Back+ Card Apply Now Citi Rewards Card Apply Now | For other Citi cards, receive an: Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Promotion is valid until 31 July 2024 for new Citi credit cardmembers only. T&Cs apply. Alternatively, make a min. spend of S$500 within 30 days of card approval, then top up an additional amount to be eligible for reward: S$1,200 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599) S$1,200 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25) S$1,786 top up – Samsung Galaxy S24 Ultra Titanium 12+512GB (worth S$2,128) Reward Upgrade will replace SingSaver Exclusive promotional reward. Promotion is valid until 31 July 2024 for new Citi credit cardmembers only. T&Cs apply. | Earn: 5,040 SmartPoints or S$300 Cash via PayNow Use 5,040 SmartPoints to fully redeem a product from MoneySmart's Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. With 5,040 SmartPoints* earned, you can redeem an: Apple iPad (10th Gen) | Top up $110 more only Apple 13-inch MacBook Air M2 | Top up $930 more only Apple iPad (9th Gen) | Redeem in full Sony WH-1000XM5 Noise Cancelling Headphones | Redeem in full OR many other options available at MoneySmart's Rewards Store today Promotion is valid until 7 July 2024 for new Citi credit cardmembers only. T&Cs apply. |
CIMB
| SingSaver vs MoneySmart CIMB Credit Card Sign-up Promotion | SingSaver Rewards | MoneySmart Rewards |
|---|---|---|
| CIMB World Mastercard Apply Now CIMB VISA Signature Card Apply Now CIMB VISA Infinite Apply Now | Up to S$188 Cashback Receive S$88 Cashback when you make a minimum of S$108 eligible spends within 30 days of card approval date. Plus, receive S$100 Cashback (S$188 in total) when you increase your minimum eligible spends to S$988 within 60 days of card approval date. Promotion is valid until 31 July 2024 for new CIMB credit cardmembers only. T&Cs apply. |
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DBS
| SingSaver vs MoneySmart DBS Credit Card Sign-up Promotion | SingSaver Rewards | MoneySmart Rewards |
|---|---|---|
| DBS yuu Visa Card Apply Now DBS yuu American Express Card Apply Now | Get S$388 cashback for new cardmembers when you successfully apply for a DBS yuu Visa/American Express Card with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval OR S$60 cashback for existing cardmembers when you successfully apply for a DBS yuu American Express Card and make a min. spend of S$300 within 30 days of card approval. Promotion is valid until 31 Jul 2024. T&Cs apply. |
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| DBS Live Fresh Card Apply Now | S$388 cashback for new cardmembers when you successfully apply for a DBS Live Fresh Card with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval for new cardmembers. Promotion is valid for new DBS credit cardmembers only and valid until 31 Jul 2024. T&Cs apply. | No ongoing promotions. |
| DBS Altitude American Express Card Apply Now | Up to 60,000 miles with with promo code ALTA60 or Up to 50,000 miles plus first-year annual fee waiver with with promo code ALTAW50 Apply for the DBS Altitude American Express Card and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards - Receive 43,400 miles from S$3,000 min. spend within 60 days of card approval - Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST) - Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend) Promotion is valid for new DBS credit cardmembers only and valid until 15 Jul 2024. T&Cs apply. |
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| DBS Altitude Visa Signature Card Apply Now | Up to 53,000 miles with with promo code ALTV53 or Up to 43,000 miles plus first-year annual fee waiver with with promo code ALTVW43 Apply for the DBS Altitude Visa Signature Card and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards - Receive 36,400 miles from S$3,000 min. spend within 60 days of card approval - Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST) - Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend) Promotion is valid for new DBS credit cardmembers only and valid until 15 Jul 2024. T&Cs apply. |
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| DBS Vantage Card Apply Now | Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. Promotion is valid for new DBS credit cardmembers only and valid until 15 Jul 2024. T&Cs apply. |
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| DBS Takashimaya American Express Card | Apply for the DBS Takashimaya AMEX Card and make a min. spend of S$250 within Takashimaya Department Store, Takashimaya Online Store and participating specialty stores at Takashimaya Shopping Centre within 30 days of card approval to receivie S$150 Cashback. Promotion is valid for new and existing DBS credit cardmembers only and valid until 31 Aug 2024. T&Cs apply. |
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HSBC
| SingSaver vs MoneySmart HSBC Credit Card Sign-up Promotion | HSBC SingSaver Rewards Apply for an HSBC Credit Card and get the chance to win a Mercedes-Benz EQB or 86,000 KrisFlyer miles (enough for a round-trip economy class ticket to Paris). Get up to 30+ chances to win when you apply for HSBC Credit Cards and spend a minimum of S$500. Valid till 23 September 2024. T&Cs apply. | MoneySmart Rewards |
|---|---|---|
| HSBC Advance Credit Card Apply Now | Receive a: Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date. Alternatively, upgrade your rewards when you top up: S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Promotion is valid till 21 July 2024 for new HSBC cardmembers only. T&Cs apply. | New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$200 Cashback from HSBC, while Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply. PLUS live your adventure with HSBC Credit Cards! From 25 June to 23 September 2024, apply, activate and spend with HSBC credit cards and stand to win an all-electric Mercedes-Benz EQB and round-trip air tickets to Paris! T&Cs apply. Promotion is valid till 31 July 2024 for new HSBC cardmembers only. T&Cs apply. |
| HSBC Live+ Credit Card Apply Now | Receive a: FLUJO SmartTrax Standing Desk (worth S$699) or Dyson AM07 (worth S$459) or Sony WF-1000XM5 (worth S$429) or S$300 eVoucher (Redeem from Merchants such as Shopee, Grab) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Plus receive S$100 cashback from HSBC when you charge 1 qualifying transaction. Alternatively, upgrade your rewards when you top up: S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Promotion is valid till 21 July 2024 for new HSBC cardmembers only. T&Cs apply. | For a limited time only, New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) OR S$200 Cashback, AND get additional S$100 Cashback when you charge at least 1 Qualifying Transaction from Card Account Opening Date to the end of the following month. Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply. Live your adventure with HSBC Credit Cards! From 25 June to 23 September 2024, apply, activate and spend with HSBC credit cards and stand to win an all-electric Mercedes-Benz EQB and round-trip air tickets to Paris! T&Cs apply. Promotion is valid till 30 Sep 2024. T&Cs apply. |
| HSBC TravelOne Credit Card Apply Now | Receive: A Dyson Supersonic™ hair dryer (worth S$699) or An Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or An Apple Watch Series 9 (worth S$604.50) or S$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles upon activating and spending min. S$1,000 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date. Alternatively, upgrade your rewards when you top up: S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Promotion is valid till 21 July 2024 for new HSBC cardmembers only. T&Cs apply. Available for both new to HSBC cardmembers and existing HSBC cardmembers. Valid till 21 July 2024. T&Cs apply. | Earn 5,040 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$1,000 from Card Account Opening Date to end of the following calendar month. T&Cs apply. PLUS stand a chance to win exciting prizes: • A Stryv Bundle [Hairdryer & Prostyler (Flat Iron & Curler)] (worth S$288) from MoneySmart when you meet the giveaway criteria! • An all-electric Mercedes-Benz EQB and round-trip air tickets to Paris from HSBC when you apply, activate and spend with HSBC credit card! T&Cs apply. Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints. Available for both new to HSBC cardmembers only. Valid till 31 July 2024. T&Cs apply. |
| HSBC Visa Platinum Credit Card Apply Now | No ongoing promotions. | |
| HSBC Revolution Apply Now | No ongoing promotions. | |
OCBC
| SingSaver vs MoneySmart OCBC Credit Card Sign-up Promotion | SingSaver Rewards Apply for an OCBC credit card via SingSaver and get a chance to win a pair of Cat1 Jay Chou Concert tickets for 11 October 2024. Only 4 pairs are up for grabs! No minimum spend required. Applicable to both existing and new OCBC credit card holders. Valid till 14 July 2024. T&Cs apply. | MoneySmart Rewards |
|---|---|---|
| OCBC Rewards Credit Card Apply Now OCBC 365 Credit Card Apply Now OCBC 90°N Mastercard Apply Now OCBC 90°N Visa Card Apply Now OCBC INFINITY Credit Card Apply Now | Get a: Travel Bundle [Samsonite Volant Spinner 68/25 EXP + Apple AirTag] (worth S$525.40) or an Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274) or S$220 eCapitaVoucher or S$200 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Available for new OCBC cardholders only. Valid till 31 July 2024. T&Cs apply. Plus, apply for an OCBC credit card via SingSaver and get a chance to win a pair of Cat1 Jay Chou Concert tickets for 11 October 2024. Only 4 pairs are up for grabs! No minimum spend required. Applicable to both existing and new OCBC credit card holders. Valid till 14 July 2024. T&Cs apply. | Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply. Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints. |
| OCBC FRANK Credit Card Apply Now OCBC NXT Credit Card Apply Now | No ongoing promotions. | No ongoing promotions. |
Standard Chartered Bank
| SingSaver vs MoneySmart Standard Chartered Credit Card Sign-up Promotion | SingSaver Rewards Reward Upgrade Campaign for all SC cards ⬆️: Upgrade your rewards when you top up S$799 for an Apple Watch Ultra 2 GPS + Cellular, 49mm (Alpine Loop/Ocean Band/Trail Loop) (worth S$1,210.10). Alternatively, top up S$1,150 for a Macbook Air 13" 256GB M3 (worth S$1,599) or iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 31 July 2024 for new Standard Chartered cardholders only. T&Cs apply. | MoneySmart Rewards |
|---|---|---|
| Standard Chartered Simply Cash Credit Card Apply Now | Receive an: Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or an Apple AirPods Pro (worth S$365.70) or a Flujo BEA Ergonomic Office Chair (worth S$509) or S$300 Cash via PayNow upon activating and spending min. S$500 spend within 30 days of card approval. Also, get an additional S$30 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 31 July 2024. T&Cs apply. Valid till 31 July 2024 for new Standard Chartered cardholders only. T&Cs apply. | Earn 4,250 SmartPoints or up to S$350 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date! T&Cs apply. Use 4,250 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$189 on top of your earned SmartPoints. Valid until 08 Jul 2024 for new Standard Chartered cardholders only. T&Cs apply. |
| Standard Chartered Smart Credit Card Apply Now Standard Chartered Smart Rewards+ Card Apply Now | Receive a: Xiaomi Robot Vacuum S10 worth (S$349) or Sony LinkBuds S (WF-LS900N) (worth S$309) or S$200 Cash via PayNow upon activating and spending min. S$250 spend within 30 days of card approval. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Valid till 31 July 2024. T&Cs apply. Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 31 July 2024. T&Cs apply. Valid till 31 July 2024 for new Standard Chartered cardholders only. T&Cs apply. | Earn 1,890 SmartPoints or up to S$230 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date. T&Cs apply. Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple AirPods Pro (2nd Generation) at only S$214 on top of your earned SmartPoints. Valid until 08 Jul 2024 for new Standard Chartered cardholders only. T&Cs apply. |
| Standard Chartered Journey Card Apply Now | Receive: a Sony SRS-XB100 or a S$80 Grab Voucher (GrabCar, GrabMart, GrabFood) upon activating your card within 30 days and no minimum spend required. Receive an additional S$20 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Valid till 31 July 2024. T&Cs apply. Plus, get an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 31 July 2024. T&Cs apply. Valid till 31 July 2024 for new Standard Chartered cardholders only. T&Cs apply. | Earn up to 25,000 Miles when you minimum spend of S$3,000 within the first 60 days of card approval AND have your first year Annual Fee waived when you sign up for the Journey Credit Card. OR, earn up to 45,000 Miles minimum spend of S$3,000 within the first 60 days of card approval and pay your card's first year Annual Fee when you sign up. Click here to apply. Valid until 31 Jul 2024 for new Standard Chartered cardholders only. T&Cs apply. |
UOB
| SingSaver vs MoneySmart UOB Credit Card Sign-Up Promotions | SingSaver Rewards | MoneySmart Rewards |
|---|---|---|
| UOB One Card Apply Now UOB Absolute Cashback Card Apply Now UOB Lady's Card Apply Now | Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 July 2024 for new UOB cardholders only. T&Cs apply. |
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| UOB EVOL Card Apply Now | Get an Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) when you are one of the first 50 new-to-UOB credit card customer to successfully apply for the card and spend a minimum of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 July 2024 for new UOB cardholders only. T&Cs apply. |
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| UOB KrisFlyer Credit Card Apply Now | Be one of the first 100 eligible new-to-UOB credit cardmembers to get up to 31,000 miles plus a first-year annual fee waiver when you apply and take the least days to make a min. spend of S$2,000 within 60 days from card approval date. Valid till 31 July 2024 for new UOB cardholders only. T&Cs apply. |
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| UOB PRVI Miles Mastercard Apply Now UOB PRVI Miles Visa Card Apply Now UOB PRVI Miles AMEX Apply Now | Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 31 July 2024 for new UOB cardholders only. T&Cs apply. Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. T&Cs apply. Plus, get another 4,800 miles (for a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months. Valid till 30 June 2024. T&Cs apply. |
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Things To Note About Credit Card Sign-Up Promotions
Most banks do not allow you to stack rewards. This means that if you sign up through SingSaver, for example, you will only qualify for SingSaver’s rewards and not the bank’s.
SingSaver and Moneysmart usually offer better rewards than sign-up gifts when you sign up directly on the bank’s website.
So make sure you pick carefully!
Regarding rewards from third parties like SingSaver or Moneysmart, you’ll also need to read the terms and conditions for your particular card if you want to qualify for welcome rewards.
How Do I Qualify For Sign-Up Rewards?
Once you’ve decided on a card and the sign-up gift, make sure to apply through the respective website.
For example, if I want the Apple iPad that comes with the OCBC 365 Credit Card, I would click “Apply Now” in the table above, which will take me to the SingSaver application page.
From there, follow the steps and note your Application Reference Number (ARN) once you have completed the signup. To qualify for the gift, you’ll need to provide SingSaver with the ARN, have a successful application, and meet the minimum spending requirement.
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