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CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) https://t.me/sgpromocode
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☯️ YouTrip ($5 Bonus) https://hmsg.link/youtrip
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💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment https://app.cardup.co/users/sign_up
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😻 Favepay https://hmsg.link/fave
🅱️ BigPay $10 referral code KJN6MN5GS0 at http://bigpay.link/referrals
🙏Trust Bank Code: HUQPC614 https://www.trustbank.sg
🪺 Nestia $0.50 off SG-QR https://hmsg.link/nestia
🛒 NTUC Union https://hmsg.link/ntucunion

E-COMMERCE & SHOPPING
🛍 Lazada https://hmsg.link/lazada
🛍 Qoo10 https://hmsg.link/Qoo10
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⭐️ CapitaStar App $5 https://hmsg.link/capitastar
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🐠 Marina Square $5 referral code EoQjdG

ROBO-ADVISORS
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CRYPTO
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TRAVEL INSURANCE
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PROFESSIONAL FINANCIAL PLANNING:
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If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!

Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR

🔭 Telegram Group: https://t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG   / honeymoneysg  
📧 Email (Business only): [email protected]
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💵 Patreon:   / honeymoneysg  
_________________________________________________

S tier - Best & must get
D tier - Don’t bother & waste time

Citi PremierMiles 1.2 mpd
A tier
Entry level card suitable for beginners fresh grad
No min spend, easy categories for 1.2 mpd unlimited, miles do not expire
2 free airport lounge passes with Priority Pass

Citi Rewards 10x points / 4 mpd
S tier
10x points or 4 mpd for the first $1000 eligible spending
Accelerated miles collection journey compared to 1.2 mpd on Citi PM
Pair with amaze for super versatile single credit card use
Points expire 5 years from card approval date
Multiple airline transfer partners

Citi Prestige 1.3 mpd local / 2 mpd overseas
B tier
For the well affluent to enjoy nice perks and rewards
Unlimited airport lounge passes with Priority pass
Citi Concierge hotel bookings: Get 4th Night free
120K income per annum requirement, $535 annual fees get 25,000 Miles

Citi Lazada 10x points / 4mpd on Lazada spend
C tier
10x points on Lazada spend (4 mpd)
Easily replaced by Citi rewards which has the same earn rate and more eligible categories

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