Best Credit Card Promotions: DBS, UOB, Citibank, OCBC (Nov 2022)

I have to admit, I absolutely love credit card promotions. These days, banks offering the best credit cards in Singapore compete so hard for new customers that they practically rain Apple products, staycations, cold hard cash via PayNow and other freebies on us.

All right, let’s cut to what you’re actually here for… the best credit card promotions in Singapore.

Contents

Best credit card promotions
DBS credit cards
UOB credit cards
Citibank credit cards
Standard Chartered Bank credit cards
AMEX credit cards
HSBC credit cards
POSB credit cards
Maybank credit cards
CIMB credit cards
OCBC credit cards
Do I qualify for credit card promos?

1. Best Credit Card Promotions in Singapore

If you’re looking out for your first credit card, or an extra credit card to make the best use of your upcoming big purchase, wedding, or travel bookings, do not miss the welcome promotions for new sign ups

Practically all credit cards in Singapore offer promotions for new applicants. You’ll be silly to not get something out of your credit card application.

Here are just a few of the best credit card promotions from each bank (scroll down for more details and credit card promos below) when you apply via our website with MoneySmart:

Credit Card
Promotion
Minimum Spend
Expiry

CIMB
Apple Airpods Pro 2nd Generation, Titan V1 7 Speed Foldable Bike, $250 cash
$988
30 Nov 22

DBS
$150 cashback with promo code 150CASH, or 60,000 miles with promo code VANMILES
$800
31 Jan 23

UOB
$150 cash, Apple Airpods Gen 3, or Lenovo Tab M10 HD
$500 (for 2 months)
13 Nov 22

Citibank
Google Pixel 6A Smartphone, Apple Watch SE, or $350 cash
$500
15 Nov 22

Standard Chartered
$320 cash, Apple Watch SE, Titan V1 7 Speed Foldable Bike or Nintendo Switch Lite
$350/ $250
15 Nov 22

American Express
17,000 KrisFlyer Miles, 27,000 KrisFlyer Miles, Apple iPad 10.9-inch Wi-Fi 64GB, Apple Watch Series 8, or $350 cash
$500 / $1,000
30 Nov 22

HSBC
$200 cashback
$500 
31 Dec 22

POSB
$150 cashback with promo code 150CASH
$800
31 Dec 22

Maybank
Samsonite Harts Spinner
$350 (for 2 months)
30 Nov 22

2. DBS Credit Card Promotion

The best DBS credit card promotion that’s going on right now is the DBS Vantage Visa Infinite Card sign-up promo. The latest credit card on DBS’s roster has a very generous promotion of 60,000 miles. That’s enough to claim 2 economy tickets on Singapore Airlines to Bali from Singapore. Here’s how you can earn those tickets:

DBS Vantage Visa Infinite Card: Get 60,000 miles with promo code VANMILES (min. spend $8,000 within 60 days), until 31 January 2023. To qualify you also have to make payment for a non-waivable credit card annual fee of $588.50.  

Miles or Cashback – you decide
Local SpendS$1 = 1.5 miles or 1.5% cashback
Overseas SpendS$1 = 2.2 miles or 2.2% cashback
Dining and Petrol Spend (capped at S$2,000 per calendar month till 31 Dec 2022)S$1 = 4 miles or 4% cashback

Air Miles Features

1.5 miles for every S$1 local spend

2.2 miles for every S$1 overseas spend

4 miles for every S$1 dining and petrol spend

See all card details 

The DBS Vantage Visa Infinite Card’s sign-up promo is fantastic but you can only apply for the card if you earn more than $120,000 a year. 

DBS Woman’s and Woman’s World Card: If you’re looking for an everyday credit card, consider the DBS Woman’s Card ($30,000 annual income) or DBS Woman’s World Card ($80,000 annual income) instead. You get a straightforward $150 cashback when you use the promo code 150CASH and clock $800 in 60 days).

Other DBS credit card promotions include:

DBS Credit Card
Promotion
Min spend
Expiry

DBS Live Fresh Card
$150 cashback (promo code 150CASH)
$800 (in 60 days)
31 Jan 23

DBS Woman’s Card
$150 cashback (promo code150CASH)
$800 (in 60 days)
31 Jan 23

DBS Woman’s World Card
$150 cashback (promo code 150CASH)
$800 (in 60 days)
31 Jan 23

DBS Altitude Visa Signature Card
$150 cashback (promo code 150CASH)
$800 (in 60 days)
31 Jan 23

Other DBS credit cards such as DBS Black Visa CardDBS Esso Card, SAFRA DBS Card, DBS Live Fresh Student Card, DBS Takashimaya AMEX Card, and the DBS Visa Debit Card do not have ongoing promos.

3. UOB Credit Card Promotion

With travel officially being back on the agenda, banks are in full swing to entice you to sign up for their air miles cards. Well, if you’re still shopping for an air miles card, the odds are definitely in your favour!

There are a few UOB credit card promotions ongoing but the UOB PRVI Miles Card and KrisFlyer UOB Card promotions are pretty decent:

UOB PRVI Miles Card: Get $150 cash, Apple AirPods, or Lenovo Tab M10 when you apply for the UOB PRVI Miles card and spend $500 monthly for 2 months.

MoneySmart Exclusive
Local SpendS$1 = 1.4 Miles
Overseas SpendS$1 = 2.4 Miles
Selected Online Hotel and Flight bookingsS$1 = 6 Miles
MoneySmart Exclusive:

Apply and spend S$500 monthly for the first 2 consecutive months to get S$150 Cash via PayNow OR Apple Airpods Gen 3 (worth S$269) OR Lenovo Tab M10 HD (2nd Gen) (worth S$269) (First 200 applicants) or S$50 Cash via PayNow (201 applicant onwards). T&Cs Apply.

Valid until 13 Nov 2022

Key Features

Earn 6 miles with every S$1.00 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda

Earn 2.4 miles for every S$1.00 spent overseas (including online shopping from overseas websites), and 1.4 miles for every S$1.00 spent locally

Choice to redeem for miles, cash rebate or vouchers

Complimentary personal accident coverage and emergency medical assistance of up to S$500,000

See all card details 

KrisFlyer UOB CardGet $150 cash, Apple AirPods, or Lenovo Tab M10 when you apply for the UOB KrisFlyer card and spend $500 monthly for 2 months.

MoneySmart Exclusive
Earn Miles on Everyday Spending
on Singapore Airlines, SilkAir, Scoot and KrisShopS$1 = 3 Miles
on dining, food delivery, online shopping and travel, and transport spendS$1 = 3 Miles
on all other spendS$1 = 1.2 Miles
MoneySmart Exclusive:

Apply and spend S$500 monthly for the first 2 consecutive months to get S$150 Cash via PayNow OR Apple Airpods Gen 3 (worth S$269) OR Lenovo Tab M10 HD (2nd Gen) (worth S$269) (First 200 applicants) or S$50 Cash via PayNow (201 applicant onwards). T&Cs Apply.

Valid until 13 Nov 2022

Key Features

$1 = 3 KrisFlyer Miles for spend on everyday spend categories with S$500 min. annual spend on Singapore Airlines Group

$1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases

$1 = 1.8 KrisFlyer Miles on Dining, Online Shopping and Travel, and Transport Card Transactions with a min sum of S$500 charged on Singapore Airlines Related Card Transactions in a year

$1 = 1.2 KrisFlyer Miles on all other spend

See all card details 

Other UOB credit card promotions include:

UOB Credit Card
Promotion
Min. spend
Expiry

KrisFlyer UOB Card
$150 cash, Apple AirPods, or Lenovo Tab M10
$500 (for 2 months)
13 Nov 22

UOB One Card
$150 cash, Apple AirPods, or Lenovo Tab M10
$500 (for 2 months)
13 Nov 22

UOB Lady’s Card
$150 cash, Apple AirPods, or Lenovo Tab M10
$500 (for 2 months)
13 Nov 22

If you’re looking to sign-up for UOB Absolute Cashback credit card, and the UOB Preferred Platinum Visa Card this month, there are no ongoing promotions unfortunately.

4. Citibank Credit Card Promotion

Looking to sign up for a new Citibank credit card? Well, you’re in luck! There are multiple ongoing promotions for you to make the most out of your card application. 

On a mission to start your air miles journey? The Citi PremierMiles Card promotion gives you a spare Oppo Pad Air to travel with.

Citi PremierMiles Card: Google Pixel 6A Smartphone, Apple Watch SE or $350 cash when you apply for the Citi PremierMiles card and spend $500 in 30 days. Promo ends 15 Nov 2022.

MoneySmart Exclusive
Extra S$50 Cash via PayNow
Local SpendS$1 = 1.2 Miles
All Foreign Currency Spend including Retail and OnlineS$1 = 2 Miles
Selected Online Hotel BookingsS$1 = Up to 10 Miles
MoneySmart Exclusive:

Apply and Spend $500 to get a Google Pixel 6A Smartphone (worth S$749) OR NEW Apple Watch SE (worth S$379) OR S$350 Cash via PayNowT&Cs apply.

Valid until 15 Nov 2022

Key Features

S$1 = 1.2 Citi Miles on Local spend (no min. spend)

S$1 = 2 Citi Miles on Foreign currency spend

Annual Fee Applies

Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee

Citi Miles never expire

Priority Pass membership gives you access to more than 600 airport lounges twice a year

Priority Pass membership is on application basis and is reserved for the Principal cardmember only, limited to 2 complimentary visits per calendar year

Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage

With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

See all card details 

Other Citibank credit card promotions include:

Citibank Credit Card
Promotion
Min. spend
Expiry

Citi Cashback+ Mastercard
Google Pixel 6A Smartphone, Apple Watch SE, or $350 cash
$500 (in 30 days)
15 Nov 22

Citi Cashback Card
Google Pixel 6A Smartphone, Apple Watch SE, or $350 cash
$500 (in 30 days)
15 Nov 22

Citi Rewards Card
Google Pixel 6A Smartphone, Apple Watch SE, or $350 cash
$500 (in 30 days)
15 Nov 22

Citibank Lazada Card
3 X $50 Lazada Vouchers and 4 X $25 RedMart Vouchers
$250
28 Feb 23

Citibank SMRT Card
$300 cashback
$1,000
31 Jan 23

5. Standard Chartered Credit Card Promotion

There are a few Standard Chartered credit card promotions ongoing this month that are all equally enticing. It’s hard to pick the best, but if you agree that cash is king, the Standard Chartered Smart Credit Card promotion this month will come up top:  

Standard Chartered Smart Credit Card: Get $320 cash, Apple Watch SE, Oppo Pad Air when you apply and spend $500 in 30 days.

MoneySmart Exclusive
6% cashback* on everyday spend
Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.6%*
Annual FeeS$0
Minimum SpendS$0
MoneySmart Exclusive:

Apply and spend S$500 to get S$320 Cash via PayNow OR Apple Watch SE, GPS (2022) (worth S$379) OR Titan V1 7 Speed Foldable Bike (worth S$399). T&Cs apply.

Valid until 15 Nov 2022

Key Features

6%* cashback on your everyday spend at your favourite merchants across fast food dining, coffee and toast, digital subscriptions and on your daily commute (Bus/MRT). No minimum spend requirement. *T&Cs apply.

No Annual Fees ever

3-month interest-free instalments with no service fees

Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Programme

See all card details 

Other Standard Chartered credit card promotions include:

Standard Chartered Credit Card
Promotion
Min. spend
Expiry

Standard Chartered Unlimited Cashback Credit Card
$250 cash, Apple AirPods, or Nintendo Switch Lite
$250 (in 30 days)
15 Nov 22

Standard Chartered Rewards+ Credit Card
$250 cash, Apple AirPods, or Nintendo Switch Lite
$250 (in 30 days)
15 Nov 22

Standard Chartered Visa Infinite Card
Up to 45,000 miles
$5,000 
31 Dec 22

6. AMEX Credit Card Promotion

With travel back in full swing, it’s no doubt time to get back into the miles game. If you’re ready to join the tribe of Singapore Airlines loyalists, AMEX credit cards allow you to collect KrisFlyer miles directly. 

While you’re at it, make the most out of it by signing up for a AMEX credit card via MoneySmart for a sweeter deal: 

AMEX Singapore Airlines KrisFlyer: Get 17,000 SIA KrisFlyer miles when you apply and spend $1,000 in a month. Offer until 30 Nov 22.

MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local SpendS$1 = 1.1 Miles
Overseas SpendS$1 = 2 Miles
Grab ridesS$1 = 3.1 Miles
Get up to 17,000 worth of KrisFlyer Miles (worth a return trip to Bali via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of Card Approval required. T&Cs Apply.

Valid until 30 Nov 2022

Key Features

Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency on eligible purchases during June and December each year, with no cap.

S$1 = 3.1 KrisFlyer miles for Grab Singapore transactions, capped at S$200 per month

First Year Fee Waiver of S$176.55

Receive 5,000 KrisFlyer miles upon first spend on card

Eligible with Apple Pay, Google Pay, Samsung Pay

See all card details 

AMEX Singapore Airlines KrisFlyer Ascend: Get 27,000 SIA KrisFlyer miles when you apply and spend $1,000 in a month. You’ll need to pay a $337 credit card annual fee.

MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local SpendS$1 = 1.2 Miles
Overseas SpendS$1 = 2 Miles
Grab ridesS$1 = 3.2 Miles
Get up to 27,000 worth of KrisFlyer Miles (worth a return trip to Phuket via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.

Valid until 30 Nov 2022

Key Features

1.2 KrisFlyer miles = S$1

2 KrisFlyer miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec

3.2 KrisFlyer miles = S$1 for Grab Singapore transactions, capped at S$200 per month

Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership

Up to $1 million travel insurance coverage

See all card details 

Other American Express credit card‘s MoneySmart and official AMEX promotions include:

American Express Credit Card
Promotion
Min. Spend
Expiry

AMEX Platinum Credit Card
$200 CapitaVouchers
$2,000 (in first 3 months)
31 Jan 23

American Express True Cashback Card
Unlimited Cashback
$5,000 (in first 6 months)
31 Jan 23

American Express CapitaCard
195,000 STAR$
$1,500 (in 3 months)
31 Jan 23

American Express Rewards Card
100% bonus points on all spend in the first 3 months
$5,000 (in first 12 months)
31 Dec 22

American Express The Platinum Card
125,000 Membership Rewards Points
$20,000 (in first 3 months)
31 Jan 23

American Express The Platinum Reserve Card
62,500 Membership Rewards Points
$1,000 (in first 3 months)
31 Jan 23

American Express Singapore Airlines Solitaire PPS Credit Card
34,000 KrisFlyer miles
$10,000 (in 3 months)
31 Jan 23

American Express Singapore Airlines PPS Club Credit Card
 34,000 KrisFlyer miles
$10,000 (in 3 months)
31 Jan 23

7. HSBC Credit Card Promotion

If you’re in the market shopping for a new credit card, it’s important to know what you’ll be primarily using the card for to get the most out of it. For instance, if you’re mostly using the card for family spending, HSBC’s Visa Platinum Credit Card will suit your needs best.

However, if you’re looking to leverage on your everyday spending, the HSBC Revolution Credit Card and HSBC Visa Infinite cards are the ones to go to.

HSBC Revolution Card: Get $200 cashback with $500 spend (no spend period stated). Until 31 Dec 2022.

Online Promo
Earn Points for Everyday Spending
RewardsS$1= 10 Points
RewardsS$1= 4 Miles
Min. SpendS$0
Online Promo:
Receive SGD200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $50 cashback. Min. spends of S$500 upon card approval required. T&Cs apply.

Supplementary Card Promo:
Get up to S$150 cash back (S$30 per supplementary card, up to maximum of 5 cards).

Valid until 31 Dec 2022

Key Features

10X Reward points (equivalent to 4 miles or 2.5% Cashback) on online purchases and contactless payments.

1X Reward point for all other types of spending.

No min. spend required.

No annual fee

Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.

Cap of 10,000 rewards points per calendar month on eligible purchases. Other terms apply.

See all card details 

HSBC Visa Infinite Card: Get 87,500 HSBC Reward Points (equivalent to 35,000 miles) upon card application. No minimum spend.

Local SpendS$1 = Up to 1.25 Miles
Overseas SpendS$1 = Up to 2.25 Miles
Reward points at luxury boutiques10X

Key Features

Up to 2.25 air miles per S$1 spent

Up to 50% saving on Dining

10x Rewards Points at luxury boutiques.

See all card details 

All HSBC credit card promotions here:

HSBC Credit Card
Promotion
Min. spend
Expiry

HSBC Revolution Card
$200 cashback
$500
 31 Dec 22

HSBC Visa Platinum Card
$200 cashback
$500
 31 Dec 22

HSBC Visa Infinite Credit Card
87,500 HSBC Rewards Points
 –
 31 Dec 22

HSBC Advance Credit Card
$200 cashback
$500
 31 Dec 22

8. POSB Credit Card Promotion

If you’re applying for the rather straightforward POSB Everyday card to make the most out of your day-to-day spending, do it online to get $150 cashback. Here’s what you need to know:

You must be new to POSB or DBS credit cards (or cancelled your last one at least a year ago)
Apply online via DBS website 
Spend at least $800 within 60 days of card approval
Use promo code 150CASH during online application on DBS website
Promotion ends 31 Jan 2023

Earn Cash Rebates that Never Expire
Cash rebates on food deliveryUp to 10%
Cash Rebates on Utilities and Telecommunications bill paymentsUp to 3%
Fuel Savings at SPCUp to 21.8%

Key Features

No minimum spend

Base cashback rate: 0.3% POSB Daily$ rebate for all purchases

Activate SimplyGo to use your card as an EZ-Link card. SimplyGo charges MRT and bus fares to your credit card, eliminating the need for auto top-ups

Link the POSB Everyday Card to your DBS or POSB Savings or Current account to use card at ATM

See all card details 

9. Maybank Credit Card Promotion

In September this year, Maybank credit cards ran the super cliche luggage promotions. This October, the Samsonite luggages are still around.

Maybank’s credit card promotions are always straightforward and simple across the board. Here’s the air miles credit card, Maybank Horizon Visa Signature’s promotion:

Maybank Horizon Visa Card: Get a Samsonite Harts Luggage, or $100 cash when you apply and spend $300 monthly for 2 months. Ends 30 Nov 22.

Online Promo
on Dining, Petrol, Taxi and Hotel Bookings at AgodaS$1 = 8X Points
on Air Tickets, Travel Packages and Foreign Currency SpendS$1 = 5X Points
Rewards to Miles Conversion for Selected Airline Partners1 Point = 0.4 miles
Online Promo:
Get Samsonite Harts 68/25 Spinner worth S$550 with Maybank Credit Cards and CreditAble^
Simply apply for a new Maybank Credit Card and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of S$300 for each of the first two consecutive months upon approval. T&Cs apply.

Valid until 30 Nov 2022

Key Features

Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon

Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions

Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase, accompanying guest(s) enjoys 20% off walk-in rates for lounge access.

Complimentary Travel Insurance up to S$1,000,000

3 years annual fee waived

See all card details 

All Maybank credit card promotions here:

Maybank Credit Card
Promotion
Min. spend
Expiry

Maybank Horizon Visa Card
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank Family & Friends card
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank DUO Platinum Mastercard
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank FC Barcelona Visa Signature
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank World Mastercard
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank Platinum Visa Card
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

Maybank Manchester United Platinum Visa Card
Samsonite Harts Luggage
$300 (for 2 months)
30 Nov 22

10. CIMB Credit Card Promotion

There are 3 credit card promotions currently ongoing for those new to CIMB credit cards. Let’s take a look at the most accessible CIMB credit card, the CIMB World Mastercard, which has a low $0 minimum spend per month.

CIMB World Mastercard: Get Apple Airpods Pro 2nd Generation, Titan V1 Foldable Bike, or $250 cash when you apply and spend $988 (in 60 days). Ends 30 Nov 22.

MoneySmart Exclusive
Up to 2%* Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods)Up to 2%*
Min. spend per monthS$0
Cash Rebate capUnlimited
MoneySmart Exclusive:

Apply and spend S$988 to receive a free Apple Airpods Pro 2nd Generation (worth S$359) or Titan V1 7 Speed Foldable Bike (worth S$399) or $250 Cash via PayNow. T&Cs apply.

Valid until 30 Nov 2022

Key Features

Access to Over 1,000 Airport Lounges via Mastercard® Airport Experiences Provided by LoungeKey

50% Off Green Fees at golf courses around Asia by Mastercard®

No annual fees for life

Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards

Access to over 1,000 regional deals with discounts up to 50%

See all card details 

All CIMB credit card promotions here:

CIMB Credit Card
Promotion
Min. Spend
Expiry

CIMB World Mastercard
Apple Airpods Pro 2nd Generation, Titan V1 Foldable Bike, or $250 cash
 $988 (in 60 days)
30 Nov 22

CIMB Visa Signature
Apple Airpods Pro 2nd Generation, Titan V1 Foldable Bike, or $250 cash
 $988 (in 60 days)
30 Nov 22

CIMB Visa Infinite
Apple Airpods Pro 2nd Generation, Titan V1 Foldable Bike, or $250 cash
 $988 (in 60 days)
30 Nov 22

11. OCBC Credit Card Promotion

If you’re a foodie, this month’s OCBC’s credit card promotions will whet your appetite. 

OCBC 365 Credit Card: Get 12-month Burpple Beyond Premium membership when you apply and spend $300 (5 transactions) in 30 days.

Here’s what you have to do to be eligible for the credit card promotions:

You are an existing or new OCBC 365 credit cardholder
Spend at least $300 by the end of the next month from your card approval date
Promotion ends 31 December 2022

All OCBC credit card promotions here:

OCBC Credit Card
Promotion
Min. Spend
Expiry

OCBC 365 Credit Card
12-month Burpple Beyond Premium membership
$300 in 30 days
31 Dec

OCBC 90°N Visa Card


12. Do I qualify for credit card promotions?

You can’t blame us for liking free stuff. If your storeroom is so full of free luggage from credit cards that it could double as a Samsonite warehouse, you might be wondering if there’s a catch to all these freebies.

Well, there IS one drawback to signing up for all the credit card promotions: You’ll get disqualified from getting more freebies in the future.

That’s because banks and comparison sites like us usually offer the best giveaways for new sign ups. Usually this is defined as people who either:

Have never ever owned a credit card from that bank, OR
Cancelled their card at least 12 months ago

If you’re thinking of gaming the system by cancelling your card and re-applying, tough luck!

Another thing to note is that some banks are more generous than others. If you’re lucky, you’ll get vouchers or cashback or luggage immediately upon card approval.

However, some banks require you to spend a minimum (say, $1,000 in the first month) AND make you wait a few months before you can even smell the freebie. Be sure to read the T&Cs, and only sign up when you’re confident you can hit the minimum spend.

Read more about the best air miles, cashback, and rewards credit cards here! Learn the differences between air miles vs cashback vs rewards credit cards here.

The post Best Credit Card Promotions: DBS, UOB, Citibank, OCBC (Nov 2022) appeared first on the MoneySmart blog.

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The post Best Credit Card Promotions: DBS, UOB, Citibank, OCBC (Nov 2022) appeared first on MoneySmart.sg.

Original article: Best Credit Card Promotions: DBS, UOB, Citibank, OCBC (Nov 2022).

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