Chris @HoneyMoneySG

⭐️ Citi Prestige official offer at hmsg.link/citiprestige 🌟
- Up to 142,500 Points or 57,000 Miles Offer (Normal Customer)
- Up to 162,500 Points or 65,000 Miles (Citigold/Citigold private)

📆 Validity: 1 Jul 2025 to 26 Jan 2026

1️⃣ 80,000 ThankYou Points as Welcome Gift upon paying the S$651.82 Annual Fee
2️⃣ 62,500 ThankYou Points for S$2,000 qualifying spend within 2 months of card approval
🏆 Total up to 142,500 Points (57,000 Miles)
Citigold/Citigold Private: additional 20,000 points)

🎥 Citi Prestige Review (S$120,000 Income Cards): https://youtu.be/9MqVqAtVOrg

🔸Eligibility rules
* Must not hold or have cancelled Citi Prestige in the last 12 months
* Still eligible even if you hold other Citi cards like Rewards, PremierMiles, Cashback, SMRT
* You only receive one welcome gift under this promo
* Better to apply other Citi cards first, then apply Prestige after getting their welcome rewards

🔸Key Qualifying Spend notes
* Spend must be retail transactions including online
* Excludes EPP, refunds, PayLite, Flexibill, cash advance, quasi cash, fees, GST, bill payments, and PayAll transactions with zero fee
* Qualifying Period is card approval date to end of that month plus the next two full calendar months

✅ Citi Prestige Main Benefits
* 12 Priority Pass lounge access visits per year
* 4th Night Free when you book a minimum 4 night stay
* 2 mpd for overseas spend and 1.3 mpd for local spend
* 2 complimentary limo rides per quarter with S$12,000 spend
* Citi Prestige miles do not expire

Sign up 💳 Citi Prestige hmsg.link/citiprestige

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs apply: www.citibank.com.sg/credit-cards/rewards/prestige-…

3 hours ago | [YT] | 0

Chris @HoneyMoneySG

🚀 Syfe 2026 Promo: Up to S$450 Cash + Fee Waivers & 3% yield
Syfe Code: HONEYMONEY @ hmsg.link/syfe

🎁 1. New User Welcome Rewards
Full T&Cs: www.syfe.com/magazine/syfe-referral-program-2

Choose your path (or do both) to earn welcome bonuses.
Syfe Brokerage (Cash Credits)
* Deposit S$2,000: Get S$20 Cash Credit
* Deposit S$10,000: Get S$80 Cash Credit
* Deposit S$100,000+: Get S$450 Cash Credit
* Requirement: Maintain funds for 30 days.

Syfe Managed Portfolios (Fee Waivers)
* Deposit S$2,000: 6 Months Fee Waiver
* Deposit S$10,000: 10 Months Fee Waiver
* Deposit S$100,000+: 12 Months Fee Waiver
* Requirement: Maintain funds for the duration of the waiver.

💰 2. For New/Existing Users: 3.0% p.a. Cash+ Flexi Boost
T&Cs: www.syfe.com/magazine/new-and-existing-client-excl…

New and existing users can boost their Cash+ Flexi (SGD) yield up to 3.0% p.a. (capped at S$25k balance).
How to qualify:
1. Apply Code: Enter STACK3ALL in the "Redeem Promo" section.
2. Deposit Fresh Funds: Add new funds to Managed Portfolios or Brokerage by 31 Jan 2026.
* S$5k deposit = +0.5% p.a. boost
* S$10k deposit = +0.7% p.a. boost
* S$50k deposit = +1.1% p.a. boost
3. Extra +0.2% p.a. Kicker: Complete 5 buy trades (min S$200 each) OR set up a S$500 monthly Auto-Invest.

Sign up Syfe Code: HONEYMONEY @ hmsg.link/syfe

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode

1 day ago | [YT] | 4

Chris @HoneyMoneySG

🚀 New to POEMS? Get up to S$250 in Stock Coupons + Weekly Bonus Gifts!
📝 POEMS Cash Plus: hmsg.link/poems
🎥 Why I moved my CPF Portfolio to POEMS? https://youtu.be/VjCjC66J6R4

Celebrate Lunar New Year with POEMS! From 12 Jan to 9 Mar 2026, open a POEMS Cash Plus Account and enjoy these upgraded rewards:

💰 Account Funding Tiers
(Deposit within 14 days and hold for 30 days)
* Tier 1: Fund S$1,000 → Get S$10 Stock Coupon
* Tier 2: Fund S$5,000 → Get S$100 Stock Coupons (5x S$20)
* Tier 3: Fund S$20,000 → Get S$250 Stock Coupons (5x S$50)

🧧 Weekly "First 50" Bonus: S$50 Stock Coupons
Be among the first 50 new accounts opened each week to score a S$50 coupon for specific stocks:
* 20 Jan – 26 Jan: Procter & Gamble (PG)
* 27 Jan – 2 Feb: Microsoft (MSFT)
* 3 Feb – 9 Feb: Nvidia (NVDA)
* 10 Feb – 16 Feb: Alphabet (GOOGL)
* 17 Feb – 23 Feb: Berkshire Hathaway (BKB.B)
* 24 Feb – 2 Mar: Honeywell (HON)
* 3 Mar – 9 Mar: Johnson & Johnson (JNJ)

🎁 Exclusive Perks
✅ Zero US commissions for 30 days
✅ 0% Unit Trust sales charge
✅ Free live prices (SGX, US, MY, TH)
✅ Free SGX Enhanced Market Depth till Nov 2026

⚡ CFD Welcome Gift
Activate CFD, fund S$3,000, and make 3 trades to get S$50 Cash Credits + 0 US CFD Commission for 30 days.

⚠️ Note: You must opt in to SMART Park (Excess Funds Management) during application to qualify.

📅 Promo period: 12 Jan 2026 – 9 Mar 2026

👉 Discuss more: t.me/honeymoneysg
👉 More referrals: t.me/sgpromocode
Full Details: www.poems.com.sg/welcome-gifts/

2 days ago | [YT] | 3

Chris @HoneyMoneySG

📢 Standard Chartered Bonus$aver Account jan 2026
🔗 Referral Code C224D → hmsg.link/scofficial

Looking for one of the highest-yield savings accounts in Singapore?
The Standard Chartered Bonus$aver still offers up to 7.05% p.a. on the first S$100K and even a realistic 2.05% p.a. if you meet just 2 simple conditions.

💰 How to get there:
• Base: 0.05% p.a.
• Card Spend (≥ S$1K): +1.0%
• Salary Credit: +1.0%
→ Total realistic return: ≈ 2.05% p.a.

For me: I will be fulfilling the invest category to get an additional 2.5% interest, total 4.55% p.a.
My Cash Savings Strategy for 2026: https://youtu.be/LTZRPX3wPZ8

That’s still one of the best rates in Singapore, while most other banks are paying ~2% or less today.

🎁 Sign-Up Gift
Open both the Bonus$aver Account + Credit Card, deposit S$50K fresh funds, hold till next month →
✅ S$168 Cashback
✅ S$30 Bonus referral cashback (use my link/code C224D)

📅 Promo valid till 31 Jan 2026
🔗 Apply with referral code C224D: hmsg.link/scofficial 

👉 Discuss more t.me/honeymoneysg 
👉 More referral t.me/sgpromocode
T&Cs: av.sc.com/sg/content/docs/sg-bs-sc-referral-club-s…

3 days ago | [YT] | 9

Chris @HoneyMoneySG

🚨 NEW: OCBC Credit Card x SingSaver welcome rewards 🚨
- OCBC Infinity hmsg.link/ocbcinfinity
- OCBC 365 hmsg.link/ocbc365
- OCBC Rewards hmsg.link/ocbcrewards
- OCBC 90N Mastercard hmsg.link/ocbc90nmc
- OCBC 90N VISA hmsg.link/ocbc90nv

⚡ Promo Period: Till 1 Feb 2026

OCBC Credit Cards Review video:
🎥 https://youtu.be/jJSYE4lPIGM (which card to get?)

🎁 Welcome Gifts (choose one, with $400 min. spend in 30 days)
* Apple iPad (A16) 11" WiFi 128GB (worth S$499)
* S$370 Cash via PayNow
* 25,000 Max Miles by HeyMax (worth S$450)

I personally value Max Miles much higher by using it to redeem for Accor Hotel stays through points transfer.
Sign up - HeyMax HMSG hmsg.link/heymax
Refer to earlier post: t.me/HoneyMoneySG/323082 

👉 Discuss more t.me/honeymoneysg 
👉 More referral t.me/sgpromocode

T&Cs: singsaver.link/cc-rewards-campaign

3 days ago | [YT] | 3

Chris @HoneyMoneySG

⚡ HSBC x SingSaver 2026 gifts for both New/Existing Customers!
* HSBC Revolution → hmsg.link/hsbcrevolution
* HSBC Live+ → hmsg.link/hsbcliveplus
* HSBC Advance → hmsg.link/hsbcadvance
* HSBC TravelOne → hmsg.link/t1ss

🧳 Prefer the official HSBC offer?
Get a Samsonite VOYA 68cm Luggage (worth S$680) via the official site → hmsg.link/hsbccard

🎁 Welcome Gifts (New to HSBC via SingSaver)
Choose one after providing marketing consent to HSBC and spending ≥ S$500 by the end of the next month after approval:
- Dyson Airstrait™ straightener (worth S$799)
- 25,000 Max Miles by HeyMax (worth S$450)
- S$400 Cash via PayNow

I personally value Max Miles much higher by using it to redeem for Accor Hotel stays through points transfer.
Sign up - HeyMax HMSG hmsg.link/heymax
Refer to earlier post: t.me/HoneyMoneySG/323082 

🔁 Existing HSBC Cardholders 👉 Apply at hmsg.link/hsbccard 
* S$50 Cashback or up to 24,000 Miles (60,000 Reward Points)

💳 Don’t miss these HSBC card deals!
* SingSaver Offers → hmsg.link/singsaverhsbc
* HSBC Official Offers → hmsg.link/hsbccard

👉 Discuss more t.me/honeymoneysg 
👉 More referral t.me/sgpromocode
Source: singsaver.link/cc-rewards-campaign

4 days ago | [YT] | 2

Chris @HoneyMoneySG

💥 IG Markets Singapore: Stackable Rewards!
🔸 IG Markets: hmsg.link/igss
🔸 IG Asia CFD: hmsg.link/igasia
Till 31 Jan 2026

🎉 IG x SingSaver Bonuses

🔸IG Markets hmsg.link/igss
• SingSaver: S$60 cash OR S$80 eCapitaVoucher or 4000 Max Miles
• IG Markets: S$188 cash or Hume band after depositing S$1,000, holding 30 days and making 2 trades

🔸 IG CFD hmsg.link/igasia
• SingSaver: S$250 cash OR S$300 eCapitaVoucher
• IG CFD: S$38 Red Packet Bonus
• Fund S$1,000

📌 Only one IG account allowed.

👉 Discuss more t.me/honeymoneysg 
👉 More referral t.me/sgpromocode
T&Cs singsaver.link/stk-rewards-campaign

5 days ago | [YT] | 4

Chris @HoneyMoneySG

🏠 Cashew Mortgage Loan Rates Update
📅 16 Jan 2026
Compare rates here:
hmsg.link/cashew

Bank mortgage rates remain very competitive, but an important heads-up:

🔥 DBS is expected to raise HDB home loan interest rates next week.
This means current rates may already be near the bottom of this cycle. 🔥

📉 Today’s Best Bank Rates (Indicative)

2-Year Fixed
• From 1.35% for $1M and above
• 1.45% for ~$500K loans

3-Year Fixed
• From 1.40% for $1M and above
• 1.50% for ~$500K loans

Floating
• From 1.35% for larger loan sizes
The gap between HDB 2.6% and bank loans around 1.35%–1.5% is still wide.

💰 What this means in dollars
For a $500K loan over 20 years, switching from an HDB loan at 2.6% to a bank loan around 1.5% can save ~$2,800+ per year in interest, on average.

These are guaranteed interest savings, not market returns.

💡 My take
If you have been waiting for “even lower rates”, this may be the window.

Once banks start repricing upwards, the best deals usually disappear first.

Yes, you cannot switch back to HDB after refinancing.

But staying on a higher rate also has a cost, and that cost compounds every year.

🎥 I covered this in detail here:
https://youtu.be/MKIZIUcN2UU
To me, predictable savings today often beat theoretical peace of mind, especially when the gap is this wide.

👉 Explore refinancing options: hmsg.link/refinance

👉 Discuss with the community: t.me/honeymoneysg
👉 More referral deals: t.me/sgpromocode

6 days ago | [YT] | 3

Chris @HoneyMoneySG

🚨 Citi x SingSaver 2026 offer for 💳 Eligible cards:
* Citi Cashback hmsg.link/citicashback
* Citi Cashback Plus hmsg.link/citicashbackplus
* Citi PremierMiles hmsg.link/premiermiles
* Citi Rewards hmsg.link/citirewards
* Citi M1 hmsg.link/citim1
* Citi SMRT (SingSaver) hmsg.link/citismrtss

✅ Eligibility
* New to Citi, fill up SingSaver form and min. spend S$500 within 30 days of approval

💳 Eligible Citi Cards (Non-Prestige)
PremierMiles | Cash Back+ | Rewards | SMRT | M1 Platinum Visa | Citi Cash Back
Choose ONE reward:
* S$380 Cash via PayNow
* 25,000 Max Miles (worth S$450 or more)
* Dyson Airstrait (worth S$799)

Recommended card for beginners: Citi PremierMiles hmsg.link/premiermiles
- 2 free Priority Pass visit for airport lounge per year
- 1.2 mpd unlimited on most spend
- Upgrade to Citi Rewards 4 mpd once you figured the miles game

I personally value Max Miles much higher by using it to redeem for Accor Hotel stays through points transfer.
Sign up - HeyMax HMSG hmsg.link/heymax
Refer to earlier post: t.me/HoneyMoneySG/323082

👉 Discuss deals: t.me/honeymoneysg
👉 More promos: t.me/sgpromocode

6 days ago | [YT] | 4

Chris @HoneyMoneySG

💹 I tracked my capital gains on investment portfolio for 36 months. Here's the results.
www.instagram.com/honeymoneysg/

I used to take the easy route by focusing only on dividends. In Singapore, it’s the default setting because it feels safe and makes for popular content.

But I realized that while dividends offer comfort, capital gains offer scale. I stopped chasing just the "safe" yield and accepted that volatility is the admission fee for outsized returns.

"Show me the incentive, and I’ll show you the outcome". What a great saying because many sell the dividend dream because it's a simpler narrative, even if it leaves significant growth on the table.

I just posted the full 3-year breakdown and the "tahanability" lessons learned on my IG.

Full details here: 👇 🔗 www.instagram.com/honeymoneysg/

1 week ago | [YT] | 6