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WhatCard's list of best credit card sign up promotions

(Last updated on 6 November)

To help you get the best deals for any card you may be thinking of applying for, we have consolidated the best credit card sign up promotions, and only show you those that are worth considering - typically anything that gives at least $100 cash or more on sign up (or equivalents such as cash credit, miles, vouchers, free luggage)

We have divided the promos into two main categories, click the links to jump straight to the relevant one! :

Promotions With NO Minimum Spending Required

Just apply for the card and get an easy cash bonus, the easiest “free money” you can get. Our only caveat is that the best promos are typically reserved for new-to-bank customers, which is why you should always cancel the credit cards that you are not actively using so that you will eligible for more sign-up promotions in future!

For this November, a couple of promotions stand out:

  • New Citibank applicants will get the latest Apple Watch SE (worth $419) OR $300 cash upon card activation and first spend within 60 days of card approval
  • New OCBC cardholders will receive $50 cashback and $50 Grab vouchers as a welcome bonus

Promotions WITH Minimum Spending Required

  • New Amex Krisflyer cardmembers will receive an AirPod with charging case (worth $239) with minimum spend of $500 within the first 30 days from card approval. This is in addition to other regular sign up bonuses that Amex offers:
    • 5,000 miles upon first spend on the card
    • another 5,000 miles upon minimum spend of $3,000 in the first 3 months
  • New Amex True cashback cardmembers will receive $160 cash bonus with minimum spend of $500 within the first 30 days from card approval.

Read more about these below to take advantage of the offers!


1. Citibank Cards - Get an Apple Watch SE (worth $419) OR $300 cash for new cardholders | $30 cash for existing cardholders

Covers the Citi PremierMiles, Citi Cashback, Citi Rewards Visa, and Citi Prestige

  • Get an Apple Watch SE OR $300 cash via PayNow when you apply for a new Citibank card and make at least 1 transaction within 60 days after the account is opened
  • For this promotion, new-to-bank is defined as anyone who has not owned a Citibank card in the past 12 months, you qualify if you had cancelled your card more than a year ago

Apply now for the Citi PremierMiles | Citi Cashback | Citi Rewards | Citi Prestige card


2. OCBC Cards - $50 cash and $50 GrabFood voucher for new cardholders

OCBC Frank

  • Free $50 cash and $50 GrabFood vouchers for all new-to-bank applicants to OCBC Frank credit card
  • You must not be an existing OCBC cardholder or have cancelled within the last 12 months
  • Existing OCBC cardholders will get $20 cashback instead

Apply now for the OCBC FRANK Card


Promotions With Minimum Spending Required

1. American Express Krisflyer

Offer details:

  • New American Express cardmembers will receive a pair of AirPods with Charging Case (worth $239) - promo period lasts from 5-20 Nov only so take advantage of this additional cash bonus while it lasts!
  • Get 5,000 miles upon first spend on your card if you are new to the Amex Krisflyer cards (it doesn’t matter if you own other Amex cards e.g. the Amex True Cashback),
  • In addition, get another bonus 8,000 miles (on top the regular earning rate) when you spend $5,000 within the first 3 months of card membership.
  • First year annual fee waived

Card details:

  • The Amex Krisflyer credit card is an entry-level miles card that offers 1.1 miles/dollar on all spending, with no minimum spend required and no cap on numbers of miles earned per month - making it very similar to the DBS Altitude or Citi Premiermiles cards.
  • Where it stands out from its competitors is in the very generous signup promotions that Amex offers, making it a really good choice for anyone seeking to get a miles card for general spending!
  • Check out our detailed review of the Amex KF card

Apply now for the Amex Krisflyer Card


2. American Express True cashback card

Amex True Cashback

Offer details:

  • Get $160 cash if you are a new American Express cardholder and make a minimum of $500 spend within the first 30 days from card approval
  • Promo period from 5-20 Nov only so take advantage of this additional cash bonus while it lasts!

Card details:

  • The Amex True cashback card offers a flat 1.5% cashback on all spending, with no minimum spend required and no cashback cap as well that makes it very similar to the ever popular SC Unlimited card.
  • Having no cashback cap makes this card ideal for very large expenses (e.g. funiture, wedding), and other expenses such as utilities, GrabPay topup that may not give you rewards with other credit cards
  • Read our detailed review of the Amex True Cashback Card

Apply now for the Amex True Cashback Card


3. HSBC Revolution and HSBC Advance - $150 cashback OR Samsonite spinner (worth $670)

  • Get $150 cash credit OR a Samsonite Prestige Spinner Bag (worth $670) with $800 spend within one month of card opening date
  • Only eligible for new-to-bank customers
  • Get bonus $20 Grab voucher when applying via MyInfo

Apply now for the HSBC Revolution | HSBC Advance


Other Promotions Available

1. Rockstar Portfolio Manager card game

A fun and educational investment-themed card game created by Dexter Tiah, one of the co-founders of WhatCard. Rockstar PM puts you in the shoes of a (rockstar) portfolio manager seeking to beat all your friends/family by having the high investment returns over the course of the game.

WhatCard readers get a 10% discount on the game by using the promo code WHATCARD10 when purchasing the game on their official website

Check out our short introduction of the game


2. ipaymy

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3. YouTrip Card

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  • Use promocode “WHATCARD5” after you download the mobile app to get free $5 in your YouTrip mobile wallet once you have registered

Read our detailed review of Youtrip vs Transferwise/Revolut/DBS MCA.


4. Revolut Card

To get $5 credited into your wallet:
  • Sign up through this link
  • Complete identity verification
  • Top up minimum amount into the account S$20
  • Order a physical card

Read our detailed review of Youtrip vs Transferwise/Revolut/DBS MCA.


5. Circles Life

To get free incoming call and 20GB data for 6 months, register via this link


6. FWD Covid-19 Insurance

Get your Covid-19 insurance for only 30 cents a day with an annual plan. You can apply for it here


7. Bank Account Sign-Ups


If you would like to get the maximum rewards from your credit cards, do consider subscribing to our upcoming newsletter and follow us on Facebook to stay updated on the latest tips, tricks, and hacks (like this article!) to get the most out of your credit cards.

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Hello. Does topping up Grabpay with $9k qualify me for the Citi Premiermiles 40k miles promotion?