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$410 eCapitaVoucher (NEW)
* S$380 Cash via PayNow
* 25,000 Max Miles (worth S$450 or more)
* Dyson Airstrait (worth S$799)
* Apple Watch SE Gen 3 40mm (GPS) (worth $349)

 Plus a chance to receive an additional S$68 eCapitaVoucher on top of the chosen base reward.

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

1 day ago | [YT] | 2

Chris @HoneyMoneySG

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

As of today, Tuesday, 24 Feb 2026, the POEMS Lunar New Year promotion has entered a new weekly cycle. The current featured stock for the "First 50" bonus is Honeywell International Inc (HON). If you are one of the first 50 people to open a new account this week, you could score a S$50 Stock Coupon specifically for HON.

🧧 Promo Update: Weekly "First 50" Bonus
* Current Cycle: 24 Feb – 2 Mar 2026
* Featured Stock: Honeywell International Inc (HON)
* Reward: S$50 Stock Coupon
* Next Cycle: 3 Mar – 9 Mar 2026 (To be announced)

💻 What is Honeywell (HON)? Honeywell is a diversified technology and manufacturing leader that operates across several critical global sectors:

* Aerospace: A major provider of aircraft engines, avionics, and auxiliary power units for both commercial and military aviation.

* Building Automation: Leading the way in smart building solutions, providing energy management, security, and fire safety systems.

* Energy & Sustainability: Developing advanced materials and process technologies for refining and petrochemicals, with a growing focus on sustainable fuels and carbon capture.

Account Funding Tiers (Deposit within 14 days, hold for 30 days):
* Fund S$1,000: S$10 Stock Coupon
* Fund S$5,000: S$100 Stock Coupons (5x S$20)
* Fund S20,000: S$250 Stock Coupons (5x S$50)

Important: You must opt in to CFD & SMART Park (Excess Funds Management) during your application to qualify for the maximum rewards.

Exclusive Perks:
* Zero US commissions for 30 days.
* 0% Unit Trust sales charge.
* Free live prices (SGX, US, MY, TH).

Sign up 📝 POEMS Cash Plus: hmsg.link/poems

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs: www.poems.com.sg/welcome-gifts/

1 day ago | [YT] | 2

Chris @HoneyMoneySG

✈️ HeyMax Miles Flight Search: No More Manual Hunting!
- HeyMax HMSG hmsg.link/heymax

Remember the days when we had to spend hours reading up and manually searching across 10 different airline portals just to find one "sweet spot"? Those days are over. HeyMax just launched their Miles Flight Search and Flight Tracking tool, and it’s a total game-changer for accelerating your miles redemption.

This tool makes it so much easier to find the best value for your miles without the headache.

Miles Flight Search is available on HeyMax mobile app only (desktop version not available yet). Please update to the latest version.

🍯 The "Sweet Spot" Reality Check
If you’re only looking at KrisFlyer, you’re likely overpaying. Look at the difference this tool helps you spot:
* SIN ✈️ HKG (Business Class)
* Qatar Avios: 22,000 miles (Fly Cathay!)
* KrisFlyer: 35,500 miles
* Saving: 13,500 miles just by switching programs!

* SIN ✈️ ICN (Business Class)
* Avianca LifeMiles: 36,000 miles
* KrisFlyer: 54,500 miles
* Saving: 18,500 miles for Star Alliance comfort.

🚀 Why This Tool is a Must-Have:
1. Accelerated Search: No more manual digging. See which FFP gives the best "price" for your seat instantly.
2. 1:1 Transfers: Max Miles transfer 1:1 to heavy hitters like Qatar Avios and Avianca LifeMiles.
3. Flight Tracking: Just upload a screenshot of your booking and get alerts for gate changes or delays.
4. Free: It costs $0 to use, making it a no-brainer for any miles chaser.
Note: ⚠️ KrisFlyer and EVA Air search support is coming soon, but for now, it’s the best way to find those non-SQ bargains.

🔥 Start Your Miles Journey: Get 200 Max Miles!
Don't just earn card rewards, stack them with Max Miles for that next Business Class flight faster.
👉 Sign up - HeyMax HMSG hmsg.link/heymax
(Get 200 Max Miles after phone verification + first confirmed purchase!)

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

2 days ago | [YT] | 4

Chris @HoneyMoneySG

🎯 Webull SG: Up to S$280 in AAPL shares*
🐂 Sign up hmsg.link/sgwebull till 27 Feb 2026

💰 Deposit & Hold Rewards
* Tier 1: Deposit ≥ S$3,000 & maintain for 30 days → S$50 AAPL shares
* Tier 2: Deposit ≥ S$10,000 & maintain for 90 days → S$280 AAPL shares

📌 Account Benefits
* 0 Platform Fees: For US/HK stocks, ETFs, and options until further notice.
* 0 Commission: 1 Year commission-free for SG market (Stocks, ETFs, REITs).
* Free Market Data: US Level 2 (Nasdaq Basic) and SGX Level 1.
* Mutual Funds: 0 Platform fees and 0 subscription/redemption fees.

📅 Promo valid for new users until 27 Feb 2026 (15:59 SGT)
*T&Cs apply. All investments involve risks. This advertisement has not been reviewed by the Monetary Authority of Singapore.

🔗 Sign up on Webull SG → hmsg.link/sgwebull

👉 Discuss more t.me/honeymoneysg
👉 More referrals t.me/sgpromocode
📄 Full T&Cs: s1gweb.wbsgsecurities.com/content/approval/file/c9…

3 days ago | [YT] | 3

Chris @HoneyMoneySG

💼Why you should consider using Interactive Brokers as your preferred Trading Platform? 🌍💼
📈 Interactive Brokers: hmsg.link/ibkr
📈 IBSG Sign-up hmsg.link/ibsg

🌍 Global Market Access: Trade on major exchanges like SG, US, LSE, and more, expanding your investment opportunities across the globe.

💼 Established since 1977: Trust in our long-standing presence and industry experience, providing you with a reliable and trusted brokerage solution.

💰 Earn interests with idle cash: Make your idle cash work for you, generating potential earnings even during periods of inactivity.

💱 Superior FX rates: Benefit from competitive rates for seamless currency conversions, optimizing your international transactions.

💲 Low cost: Experience cost-effective trading with commissions starting from just USD 0.35 per order, ensuring that your investments go further.

*Interest rates are subjected to change

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

5 days ago | [YT] | 4

Chris @HoneyMoneySG

🏠 Cashew x HoneyMoneySG Mortgage Update – 20 Feb 2026
Compare rates here: hmsg.link/cashew

After CNY gatherings where many of you were discussing home loans, property prices and interest rates… the question I kept hearing was:

“Is it finally time to act?”

With the latest bank rates, the numbers are getting very compelling.

Here are today’s best rates:

📌 2-Year Fixed
• 1.40% ($500K)
• 1.35% ($1M / $2M)

📌 3-Year Fixed
• 1.50% ($500K)
• 1.40% ($1M / $2M)

📌 Floating
• 1.33% ($500K)
• 1.09% ($1M)
• 1.29% ($2M)

For context, the HDB loan remains at 2.6%.

On a $500K loan over 20 years, moving from 2.6% to around 1.3% to 1.5% can mean roughly $3,000 to $4,000 in interest savings per year, especially in the earlier years when your outstanding balance is higher.

These are not stock market returns. These are guaranteed interest savings if the numbers work after factoring in lock in and legal subsidies.

Yes, once you switch out of HDB you cannot switch back. But staying put also has a cost, and that cost compounds quietly year after year.

If you were discussing refinancing during CNY but have not taken action yet, this window is worth reviewing seriously.

✨ How to use Cashew:
Enter your loan details once and Cashew compares bank packages, rates and cashback offers across banks for you.

👉 Check refinancing options: hmsg.link/refinance

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

6 days ago | [YT] | 4

Chris @HoneyMoneySG

🧧 SingSaver CNY FLASH DEAL: Extra S$68 eCapitavoucher🧧
Gong Xi Fa Cai! SingSaver’s Credit Card CNY Flash Deal has officially started today, 19 February 2026. If you have been waiting to snag a new card, now is the time to strike for those extra bonuses.

🚀 The Daily S$68 Bonus Be among the first 8 eligible customers at 2 PM or 8 PM today across all participating products to receive a S$68 eCapitaVoucher Bonus on top of your base reward.

💳 Top Rewards Highlights
Citi Credit Cards hmsg.link/citiss
* S$380 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Apple Watch SE Gen 3 40mm (GPS)

HSBC Credit Cards hmsg.link/singsaverhsbc
* S$400 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Apple Watch SE Gen 3 40mm (GPS+Cell)

OCBC Credit Cards
* S$370 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Round trip to Bali (via Miles/OCBC$)
* S$250 Cash + Xiaomi Luggage Bundle
- OCBC 365 hmsg.link/ocbc365
- OCBC Rewards hmsg.link/ocbcrewards
- OCBC 90N Mastercard hmsg.link/ocbc90nmc
- OCBC 90N VISA hmsg.link/ocbc90nv
- OCBC Infinity hmsg.link/ocbcinfinity


📅 Promo Period: 19 to 26 February 2026
🔥 Ready to apply? The first window opens at 2 PM sharp!

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

1 week ago | [YT] | 4

Chris @HoneyMoneySG

🏆 Win 200g of Gold or S$38,888 Cash with Syfe!

Syfe just launched their biggest giveaway ever. One lucky winner will choose between 200g of Physical Gold or S$38,888 in Cash.
If you’ve been waiting for a sign to start investing, this is it.

✨ How to Join in 3 Simple Steps:
1. Sign Up: Use my unique code GOLD88HM
2. Deposit: Add at least S$3,888 in fresh funds by 31 March 2026.
3. Hold: Keep the funds in your account from 1 April to 29 June 2026.

🎁 Guaranteed Rewards
When you fund your first S$3,888 as a new user, you automatically get:
* 2 Lucky Draw Entries (Double the chances!)
* Managed Portfolios: 8 months of fee waivers
* Brokerage: 3 months of commission-free US trades

💡 Pro-Tip for More Entries:
Every S$3,888 you maintain earns you 2 entries. The more you fund (in Managed Portfolios or the Brokerage), the higher your chances of winning that gold!

⚠️ Important Note: To qualify, use fresh funds (bank transfer).
Deposits into SRS, Equity Alpha, or Cash+ portfolios are not included in this giveaway.

🔗 Get Started Here: www.syfe.com/campaign/golden-giveaway-2026
📜 Full T&Cs: www.syfe.com/magazine/new-existing-client-exclusiv…

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs: www.poems.com.sg/welcome-gifts/

1 week ago | [YT] | 2

Chris @HoneyMoneySG

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

As of today, Wednesday, 18 Feb 2026, the POEMS Lunar New Year promotion has entered a new weekly cycle. The current featured stock for the "First 50" bonus is Berkshire Hathaway Inc Class B (BRK.B). If you are one of the first 50 people to open a new account this week, you could score a S$50 Stock Coupon specifically for BRK.B.

🧧 Promo Update: Weekly "First 50" Bonus
* Current Cycle: 17 Feb – 23 Feb 2026
* Featured Stock: Berkshire Hathaway Inc Class B (BRK.B)
* Reward: S$50 Stock Coupon
* Next Cycle: 24 Feb – 2 Mar 2026 (Honeywell - HON)

💻 What is Berkshire Hathaway (BRK.B)?
Berkshire Hathaway is one of the world's largest holding companies, led by legendary investor Warren Buffett. It offers exposure to a massive, diversified portfolio of businesses:

* Insurance Giants: GEICO and Berkshire Hathaway Reinsurance Group provide a steady "float" of capital that the company uses for long term investments.

* Industrial & Energy: BNSF Railway and Berkshire Hathaway Energy are core infrastructure plays that generate consistent cash flow.

* Massive Stock Portfolio: Berkshire holds significant stakes in blue chip companies like Apple, American Express, and Coca Cola, effectively acting as a diversified investment fund for shareholders.

Account Funding Tiers (Deposit within 14 days, hold for 30 days):
* Fund S1,000:S10 Stock Coupon
* Fund S5,000:S100 Stock Coupons (5x S$20)
* Fund S20,000:S250 Stock Coupons (5x S$50)

Important: You must opt in to CFD & SMART Park (Excess Funds Management) during your application to qualify for the maximum rewards.

Exclusive Perks:
* Zero US commissions for 30 days.
* 0% Unit Trust sales charge.
* Free live prices (SGX, US, MY, TH).

Sign up 📝 POEMS Cash Plus: hmsg.link/poems

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs: www.poems.com.sg/welcome-gifts/

1 week ago | [YT] | 4

Chris @HoneyMoneySG

Happy Chinese New Year, everyone! 🧧 Today officially marks the start of the Year of the Horse, so it’s time to put that high-octane energy into our portfolios.

Wishing you all 龙马精神 (Lóng Mǎ Jīng Shén) may you have the tireless drive to keep building those passive income streams and side hustles.

Most importantly, 马到成功 (Mǎ Dào Chéng Gōng). May your investment strategies lead to instant success the moment you execute them. Let’s make 2026 the year we all get closer to FIRE! 🍊🍊

1 week ago | [YT] | 6