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)

Introducing POSB Cash-Point

Save! Earn! - $10

The long and the short of it:

- Go buy some daily essentials from the listed shops
- Withdraw a total of $200 using POSB or DBS cards (ATM or Debit card)
- For first 10,000 customers only
- Promo period ends on 31st Dec 2015

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POSB is marketing its new service, POSB Cash-Point which allows you to withdraw cash at certain shops and to help spread the word, they're once again giving away free money.

Promo details are as follows:
You will basically need to make a small purchase, any amount will do, and then make a total withdrawal of $200 using your POSB or DBS ATM or Debit card to be eligible for a $10 rebate to your POSB or DBS account.

POSB Cash-Point is available at the following shops below.

List of shops:
- 7-Eleven, Guardian, Sheng Siong (withdrawal limit $100 so basically you gotta do it twice to utilize the promo.)
- Giant, Cold Storage, Market Place, Jasons (withdrawal limit $200)
- Singpost (withdrawal limit $5000)


DO NOTE!!!!
There are T&Cs.
Promotion is for the 1st 10,000 customers who withdraw a total of $200 and it valid from 1 November to 31 December 2015. 

I would advise doing it fast as it's for the 1st 10,000 customers only, though it's not clear whether it's 10,000 for each month or 10,000 for the whole promo period. So.... fast hand fast leg hor.

You can only be eligible for this promo once.
i.e. If you qualified in November, you don't be eligible for it in December. Basically the maximum amount you can squeeze from this is $10. BUT hey! This is better than nothing!

UOB's giving moolah to make you use their estatements

Save! Earn! - $20

The long and the short of it:

- Go play the game
- get a score of 7 and above
- subscribe to estatement
- make 2 transactions. Just transfer your funds (min $10) to-and-fro your own accounts with other banks.

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UOB's trying to get people to migrate to estatements and they're dangling carrots.
You just need to:
1) Head over to their game site - http://uob.com.sg/toss-win/

2) Play a game
3) Score above 7
4) Subscribe for estatement
5) Make 2 transactions. Just transfer your funds (min $10) to-and-fro your own accounts with other banks.

DO NOTE!!!!
There are T&Cs.
The most important is being the 1st 50 customers who perform the online transactions during each week. I would suggest trying at midnight for the next opening week which is on 25th August 2014

Doncha say I neber tell you hor.

http://uob.com.sg/toss-win/

A $20 carrot is not too bad!

BTW so... the moral of the story is... Don't do anything like subscribe to estatements unless they dangle some goodies!

I know... Super evil right...

Milk the NS IPPT for what its worth

Save! Potentially Earn $200 extra on top of your incentive for a complete extra 20 RT cycle. 

The long and the short of it

This is obviously only for born and bred Singaporean males with jobs that allow them to leave work early. And are also fit enough to Pass or get Silver or Gold in the first place.

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Face it. If you're a born and bred Singaporean male (or 2nd generation PR), you gotta do NS and that &*%#(@$% shit sucks bricks. So why not milk the system for what its worth.

This here only works for the fit fit kind.

If you Pass your IPPT or get any of the Silver or Gold incentives, you can squeeze out even more just by failing your IPPT first and going for a full 20 session RT before passing on your last session of RT IPPT session.

Why do this? Cos you'll get off work earlier on certain days to go exercise and MINDEF will pay you to exercise. MINDEF actually pays you ~ $16 for each RT or IPT session you attend. It's actually to offset your travel expenses so the savings won't be that much, maybe $10 per session instead?
  
That's still a stinking good deal. And also a damn stinking chao way to earn extra money.
And there's quite a number of people doing it already. I'm talking about those obviously damn fit people who run 10min under at RT sessions. Damn obvious can!

inSing app Voucher mania

Save! Probably about $10 or more depending on how long before the vouchers run out.

*Ok they have thrown in the towel. I think they bled too much from giving out too many vouchers liao. Announcement here

The long and the short of it

Download the app and accumulate points on it by reading their "articles" and liking stuff on FB through their app to redeem vouchers!

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Here's another free money giving app - inSing Po!nts app.
(Yes the name is horrigible but what the heck, they are giving away stuff. Is it beneath me to support bad design? Nope! Gimme gimme gimme!)

Basically, you sign up for an account and accumulate points via a few way and then use those points to redeem for vouchers. Free vouchers = savings so yeah!

Ways to accumulate points include:

• Reading inSing "articles" (basically rehashed news / content since originality is dead nowadays. Sigh.)
• Liking FB posts through on their app (it's a bit weird and inception-y cos you're using a social platform to enter another social platform to be social. Gah! I won't ever understand this...)
• Liking their redemption items
• Posting lame comments on their redemption items page. (choice comments include... "Coffee", "Last day", "Zzz", They are getting smarter", "more coffee"... and the list goes on.)

So far I've managed to redeem about $9.8 worth of Ya Kun vouchers (yeah free kopi!) and $5 city cab / Comfort Cab vouchers. 

Get the iPhone app here - inSing Po!nts
Get the Google play version here - inSing Po!nts

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.