Get a massive cash rebate with POSB Everyday Credit Card

Save! Earn! - $160

The long and the short of it:

- Apply for the POSB Everyday Credit Card
- Spend $1,000 of retail transactions within the 1st month of card approval
- Promo period ends on 31st Dec 2015

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This Santa Claus happens to like the colour blue.

It's Xmas and the banks are out for your money!!! 

Well potential money anyway. It's the time of credit card promos.

POSB is out to give you $160 if you apply for their POSB Everyday card online AND make a total retail spend of $1,000 within the 1st month of card approval. It's that simple.

The card is also easy to apply especially if you already have an internet banking account with POSB / DBS. 

Just click a bit here and there and you will be done with the online sign up in no time. I only spent like 3min to breeze through my application for me and my partner. That's some sweet $320 moolah in da bank.

As for the $1,000 retail spend (don't try online), it's the Xmas period so... spending $1,000 within the 1st month shouldn't be too difficult for the majority of Singaporeans.
BUT!
Hey hey hey, this is the Frugal Living SG blog so I'd be mightily disappointed if my readers go on some crazy spending spree just to get that $160 rebate. There is a better way.

There is a more pro-level of hacking this promo to stretch that dollar but you'll have to Like my Facebook here then PM on FB me to find out my secret. 
Why sharing via PM only? Cos good stuff must share but if over share, it might just be taken away!



DO NOTE!!!!
The usual T&Cs apply.
Promotion is valid from 1 August to 31 December 2015. 

Get $80 cash rebate if you spend $500 or $160 cash rebate if you spend $1,000 within one month of card approval.

P.S. Additional Pro-level hacks!
1) Combine this promo with... this
2) Try your luck redeeming mall promo items too. Such as the Mr Men Carrier Box & Gift Wrapper promotion now at Tampines Mall They might reject it or they might not.
(I got lucky heh and managed to snag one set. :D)

Pre-pay your bills to get the maximum rebates

Save! - Depends. You could save between $20-100

The long and the short of it:

Pre-pay your mobile phone bills and utilities to hit the minimum spending per month for higher rebates for credit cards such as UOB One card or Standard Chartered Manhattan card or BOC Shop card or Frank card.

Additional or local tips!

Shop around for the best card that fits your budget and usage! I'm alternating between Standard Chartered Manhattan card for bigger ticket items and UOB One card for recurring smaller bills. Haven't tried out BOC Shop card or Frank card yet though.

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We all have to pay our mobile phone / internet / cable TV bills and our utilities bills. So why not channel those payments towards your monthly credit card spending? You'll need to spend that money anyway, so why not get some rebates from them?

What if the amount is too little to reach the minimum spending to get better rebates? Well just pre-pay your bills. I have pre-paid my Singtel bills up to 6 months in advance before and likewise for SP Power bills. 

You can pay for Singtel bills via mybill site here.
You can pay for Starhub bills via here.

You can pay for SP Power bills at their customer service counters at Woodlands, Toa Payoh and Somerset. Branch info here.

Note:
- SP Power lets you pre-pay up to 2 months in advance based on your existing bill. So plan accordingly.

Starbucks Citibank Credit Card Offer *ENDED*

Save! $5 per $20 top up. (That 25% is a lot btw!)

The long and the short of it

Use Citibank CC to top up your Starbucks card. Top up $20, get $5 off straight away. If you don't have one, just your friend.

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This is another great offer that's going on right now. For every $20 you spend using the Citibank CC, you get $5 straight away. That's a 25% discount! Where else can you get such a good deal?!

Furthermore, there's Citibank rebate points on top of this discount so it stacks. This can also stack with this now if you have one of these Paypass activated Mastercard - Free $20 Starbucks card

If I had a Citibank CC (sadly I don't so the cheapskate me shall use my friend's card and I'll just pay my friend.), I would be using it to top up my card to $100 so I may use it for the rest of the year. Topping up $20, $20, $20, $20, $20 each time. But don't follow me. Scale accordingly to your usage. And the usual applies, get this before they end the promo which should be 30th April 2014.

*EDIT - Was just at the Starbucks outlet at Metropolis (so batman) and the barista told me the offer was pulled as of 1st April! Wah lao! Sadness.

If you want to get their card can consider this one here - SMRT card only because it's giving a $20 rebate on each new application. The other option is some other card for a luggage which... isn't that great. Though honestly, both freebies aren't that good.

Free $20 Starbucks card for select Citibank credit card holders

Earn! $20 for using a credit card to purchase your usual stuff

The long and the short of it

Use select Citibank credit card to pay for regular stuff. Do this 5 times via the MasterCard PayPass contactless thingy and get your $20 Starbucks card.

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Short and simple one here.

I'm seeing a lot of banks doling out MasterCard PayPass offers and my guess is, they are just starting to roll this out and are giving out goodies to get people onboard.

So this frugal tip is to use the following select Citibank credit cards:

• Citibank Rewards World MasterCard

• Citibank Paragon World MasterCard

• Citibank DIVIDEND World MasterCard

Make PayPass purchases for 5 times.

Then you will get a $20 Starbucks card.

If you already have a Starbucks card, you can probably hawk this via a forum for $18. Still a good sum to get.
Use this only if you are already holding onto those cards, otherwise... wait for a better offer to sign up for their credit cards.

Valid till 30 April 2014 and limited to the first 5000 redemption.
Details here - Citibank Tap and Pay $20 Starbucks card

Really free money from Maybank

Save! Earn! $180 if you preserve all the way till the end of the year.

The long and the short of it

Sign up for a Maybank saving account, maintain at least a $500 average daily balance* and use that account to pay for your other credit card accounts. 

Local tips!

Combine this with savings from other credit card offers. Duh!
And for a super chao (smelly) combo, use your family members. Get your ah ma, ah gong, mother, father, sister, brother to sign up an account and use their account to pay off credit cards.

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This is one damn hosay good deal now. It's like one of those mother-of-all good deals kind. This is really free money. Not some bullshit sign up for loans to get rebates crap or spend to save rubbish.

Basically, Maybank is offering a cash rebate of $0.10 whenever you pay for credit card bills via internet banking. It's to any, I repeat, ANY credit card from ANY bank.
So this is a gold mine. You don't even need to use Maybank's credit cards. So basically this is a combo that stacks. Plus there's some lucky draw thing too!

Ok so what's the catch? Well, surprisingly there is no catch, except you need to spend time doing a boring repetitive task to earn that money.

So to make things easier to digest, the key points of this offer are listed below:

•  Cap of $20 issued out per Maybank account each month. It's max $10 for payments to Visa and another $10 for payments to Mastercard. So that makes $20 maximum each month per account.
•  Each payment has to be minimum $5. 
•  To hit that $10, you need to submit 100 payments. No sweat, break down your  transactions to 100  x $5 for each card type and you earn $20 a month. FOC. 

(Well technically not FOC, you will spend ~1hr to do the 100 transactions so you're earning $10/hr wages. Still... it's a chance to earn some moolah. Kinda easy money too.)

So what do you need to do?
1) Sign up for a Maybank saving account. You have to head down to a branch. They can settle that for you on the spot and takes about 1hr to be safe. Internet banking will be available within 2 weeks. 
2) Start using it to pay your credit card bills. 
3) Magic money comes in at the end of the month :D

Read more about it here - Other Banks' Credit Card Payment Cash Back Feature and Lucky Draw

Offer runs till Dec 2014. So you have till the end of the year to enjoy this gravy train.

Note that the offer is for credit cards only. Debit cardholders can weep.

Added note on 16 April 2014
Another way to look at this is at a bank interest rate angle. Say you deposit $12k into the account for paying your credit card bills, maxing out the $20 rebate for Mastercard and Visa ($500 x 2 card companies x 12 mths), that's $240 a yr.
That's 2% returns for that $12k. Better interest rate than any other bank without all that hassle of salary deposits, cannot draw down etc.