Chris @HoneyMoneySG

🏦 OCBC x SingSaver: All-Time High Upsized Rewards ⚡
OCBC Infinity -> hmsg.link/ocbcinfinity
OCBC 365 -> hmsg.link/ocbc365
OCBC Rewards -> hmsg.link/ocbcrewards
OCBC 90°N Mastercard -> hmsg.link/ocbc90nmc
OCBC 90°N Visa -> hmsg.link/ocbc90nv
* 🔗 Apply via my links & fill up the SingSaver form sent to your email!

⚡ Promotion Details
* Promo Period: 15 May (3PM) to 20 May 2026
* Minimum Spend: S$400 within 30 days of card approval
* Eligibility: New-to-OCBC cardmembers only

🎁 SingSaver Exclusive Offer (Base Reward) All successful applicants enjoy ONE of these newly upsized options:
* S$420 Cash via PayNow
* 28,000 Max Miles by HeyMax
* Dyson Airstrait™ straightener (worth S$799)
* S$450 Grab Voucher

🔥 Additional Card-Specific Options You can also opt for these exclusive rewards based on the specific card you select:
* OCBC 365 / Infinity Cards: Dyson V8 Cyclone cordless vacuum (worth S$559)
* OCBC Rewards Credit Card: 50,000 OCBC$ (worth a round trip to Bali)
* OCBC 90°N Visa / 90°N Mastercard: 20,000 90°N Miles (worth a round trip to Bali)
*
📺 Not sure which card to get? Watch my full review: https://youtu.be/jJSYE4lPIGM

👉 Discuss more: t.me/honeymoneysg
👉 More referrals: honeymoneysg.com/#deals
T&Cs apply: singsaver.link/cc-rewards-campaign

23 hours ago | [YT] | 4

Chris @HoneyMoneySG

🏠 Cashew Mortgage Update – 15 May 2026 hmsg.link/cashew
🎥 https://youtu.be/ETYYz0zrqCQ 👉 My HDB Loan repayment strategy that will Offend many people...

💰 Limited-time: Earn cashback on your mortgage just by accepting a loan offer through my link. On a $500K loan, that's $150 back. The larger the loan, the more you pocket. Promo ends 15 June 2026.

👉 Get your personalised quote to see exactly how much cashback you'd earn: hmsg.link/cashew

Banks are still offering rates well below the HDB loan rate. Here are today's best rates (as of 15 May 2026):
📌 2-Year Fixed
* 1.50% ($500K)
* 1.45% ($1M / $2M)

📌 3-Year Fixed
* 1.60% ($500K)
* 1.50% ($1M / $2M)

📌 Floating
* 1.30% ($500K)
* 1.28% ($1M)
* 1.25% ($2M)

For context, the HDB loan remains at 2.6%. Locking in a bank rate now keeps your monthly expenses predictable while rates remain uncertain.

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

👉 Get your quote + cashback: hmsg.link/cashew
👉 Discuss more: t.me/honeymoneysg
👉 More referral deals: t.me/sgpromocode

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1 day ago | [YT] | 4

Chris @HoneyMoneySG

⭐️ UPSIZED: Up to S$799 in Gifts or S$420 Cash with Citi SMRT 💳

🎁 SingSaver Rewards (choose one): hmsg.link/citismrtss ⭐️
* S$420 Cash via PayNow
* 25,000 Max Miles (worth S$600)
* Dyson Airstrait (worth S$799)
* Dyson V8 Cyclone Cordless Vacuum (worth S$559)
* Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth S$499)

🏦 Citi Official Reward: hmsg.link/citismrt ⭐️
* S$300 Cash Back when you spend S$800 in the first 2 months of account opening
* For new main Citi Cardmembers only

You can only apply from 1 link and qualify for 1 reward only.

✅ Card Features (2-year annual fee waiver)
5% Cashback on eligible categories with no monthly cap*
Annual cap: Max SMRT$600 per 12-month period (S$12,000 spend)

Breakdown:
* 0.3% Base Cashback on qualifying retail spend
* 4.7% Bonus Cashback on: - Groceries (MCC 5411) - Online purchases (excludes mobile wallet and travel-related transactions) - Malaysian Ringgit spend (NEW) - SimplyGo Bus/MRT (MCC 4111) - Taxis incl. private-hire rides (MCC 4121)
Minimum spend of S$500 per statement month required to unlock Bonus Cashback.

🎥 My Citi SMRT review (Top Cashback Cards): https://youtu.be/JUnsrfi_OvY

Apply for 💳 Citi SMRT: hmsg.link/citismrt or hmsg.link/citismrtss ⭐️

👉 Discuss more: t.me/honeymoneysg 👉 More referrals: t.me/sgpromocode
T&Cs apply.

1 day ago | [YT] | 3

Chris @HoneyMoneySG

🤑 MariBank: up to S$95 in rewards + 2.88% p.a. Fixed Deposit
- Use code 9QGO55OJ at hmsg.link/maribank
Here's the full breakdown and how to stack it properly 👇

What's on the table:
* 💰 S$15 cash just for using a referral code 9QGO55OJ 
* 💳 S$30 cashback after spending S$300 in 30 days on the credit card
* 🛍 S$50 Shopee voucher pack via Instant Checkout
* 📈 S$118 from promo 2.88% p.a. on a 1-month Fixed Deposit (up to S$50,000)

That's up to S$213 in rewards (inclusive of FD interest)

✅ Pro-tip: Do it in this order

Step 1: Download the MariBank app from hmsg.link/maribank

Step 2: Sign up using my referral code 9QGO55OJ Enter it when applying for any MariBank Personal Banking product. This unlocks the S$15 cash reward for you instantly.

Step 3: Open a Mari Savings Account + place a Fixed Deposit Once your account is open, go to Fixed Deposits > New User Promo (1-month, 2.88% p.a.) Place between S$5,000 and S$50,000 and hold to maturity.
⚠️ You have 30 days from account opening to do this, and it's capped at the first 10,000 sign-ups.

Step 4: Apply for the Mari Credit Card Spend S$300 (excluding Shopee) within the first 30 days to unlock S$30 cashback. Then use Instant Checkout on Shopee to redeem your S$50 voucher pack.

At 2.88% p.a. for one month, that works out to about S$118 in interest on the max S$50,000. Not bad for parking funds you already have sitting around.

MariBank is MAS-licensed. Deposits up to S$100,000 are insured under SDIC.
This is not financial advice. Always read the full T&Cs before signing up.

- Maribank code 9QGO55OJ at hmsg.link/maribank

2 days ago (edited) | [YT] | 4

Chris @HoneyMoneySG

With HISA rates dropping to ~2%, is it finally time to stop hoarding cash and start investing? 💸

3 days ago | [YT] | 2

Chris @HoneyMoneySG

✈️ The PhillipCapital KOL team is back, and this time we took it to Penang.

Since our last gathering at the Sentosa Yacht BBQ in August 2025, it was good to reconnect with this group of industry partners and fellow creators.

Day 1 started with dinner overlooking the Penang skyline, followed by a spontaneous durian and dessert session that nobody planned but everyone needed.

Day 2 was the highlight: an Amazing Race across Georgetown, hitting murals, heritage landmarks, and iconic food checkpoints (e.g. chendol, Penang laksa, char kuay teow). My team covered the entire route on foot. No complaints, full enthusiasm from start to finish.

Three observations from this trip that stuck with me:

1️⃣ Humility scales.
Many in this group are financially free, running their own successful businesses. And yet, zero airs. Just grounded people who show up and don't need to be the loudest in the room.

2️⃣ Healthy competition is a choice.
We competed hard, but when the winners were announced, everyone cheered. Genuinely. Successful and contented people celebrate others' wins.

3️⃣ The real value is in the in-between moments.
The best conversations happened on the bus and at the sidelines, impromptu exchanges with people in coaching, professional speaking, community building, social media. A masterclass you can't sign up for.

Wrapped up with a fabulous dinner at The Seven Restaurant and Bar. Flew home grateful.

Thank you to the organizing team at PhillipCapital: Bryce, Ming Han, Mavis, Marcus, and Amber, for making this happen.

Onward to the next one. 🍯 ‪@PhillipCapital‬

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4 days ago | [YT] | 6

Chris @HoneyMoneySG

Can a full-time working adult truly "beat the market" by active trading?

6 days ago | [YT] | 4

Chris @HoneyMoneySG

🏦 OCBC x SingSaver: Dyson Digital Slim Fluffy Stackable Flash Deal ⚡
* OCBC Infinity → hmsg.link/ocbcinfinity
* OCBC 365 → hmsg.link/ocbc365
* OCBC Rewards → hmsg.link/ocbcrewards
* OCBC 90°N Mastercard → hmsg.link/ocbc90nmc
* OCBC 90°N Visa → hmsg.link/ocbc90nv
🔗 Apply via my links & fill up the SingSaver form sent to your email!

⚡ Flash Deal Mechanics
First 4 eligible applicants at 2PM & 8PM daily
* Reward: Dyson Digital Slim Fluffy (worth S$799)
* Stackable: This bonus is awarded on top of your selected base reward!

Promo Period: 8-12 May 2026
Minimum Spend: S$400 within 30 days of card approval
Eligibility: New-to-OCBC cardmembers only

🎁 SingSaver Exclusive Offer (Base Reward)
All successful applicants (including those who don't hit the flash deal) enjoy ONE of these:
* S$400 Cash via PayNow
* 25,000 Max Miles by HeyMax (worth S$600+)
* Dyson Airstrait™ straightener (worth S$799)
* Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher (total worth S$529)

📺 Not sure which card to get? Watch my full review: https://youtu.be/jJSYE4lPIGM

👉 Discuss more: t.me/honeymoneysg 
👉 More referrals: honeymoneysg.com/#deals
T&Cs apply: singsaver.link/cc-rewards-campaign

1 week ago | [YT] | 4

Chris @HoneyMoneySG

📈 IG Markets Singapore: Stackable Rewards up to S$358!
Maximize your bonuses when you open a new account through the links below.

🟢 IG Markets (Shares). 👉 hmsg.link/igss
Requirement: Deposit S$500 and make 1 trade (from S$1) to choose one gift
* S$50 Cash via PayNow
* S$70 eCapitaVoucher
* 4,000 Max Miles by HeyMax (worth S$72)

IG Stackable Welcome Bonus (Up to S$258 Cash):
* S$188 Cash: Deposit S$500 in a single transaction, maintain for 30 days, and make 1 trade within 30 days.
* S$70 EXTRA Cash: Make 1 more trade within 7 days of account activation.

Passive Income Feature:
💰 Earn 3% interest p.a. on your first S$50,000 in shareholdings (I earned S$31 in April)
* Earn on invested assets (SG, US, HK, UK, and Japan markets).
* Interest is paid on top of dividends and capital gains.
* Just make 1 trade per month to trigger the monthly cash payout.
* No platform fees or commissions on your trades.

🔵 IG Asia (CFD) 👉 hmsg.link/igasia
Requirement: Deposit S$1,000, maintain for 30 days, and make 1 qualifying trade to choose one gift
* S$250 Cash via PayNow
* S$300 eCapitaVoucher
* 18,000 Max Miles by HeyMax (worth S$324)

IG Stackable Welcome Bonus:
* Up to S$2,888 bonus based on trading volume within 60 days.
* Requirement: Fund at least S$1,000 and meet volume criteria (Gold or All-Access Path).

⚠️ Important Notes
* Limit: Only one IG account allowed (either Shares or CFD) to qualify.
* T&Cs: singsaver.link/stk-rewards-campaign

💬 Discuss more: t.me/honeymoneysg
👉 More referrals: honeymoneysg.com/#deals

1 week ago | [YT] | 5

Chris @HoneyMoneySG

🍫 Chocolate Finance: 48-Hour Zero FX Fee for USD Conversions! 💸
👉 - Chocolate Finance 🍫 hmsg.link/chocolate

The Top-Up Programme just doubled to support the first S$100k and US$100k!
To help users maximize those higher returns, Chocolate Finance is opening a 48-hour window with zero FX fees on SGD to USD conversions.

The Facts:
* 0 FX guarantee fee when converting SGD to USD.
* Valid from Wednesday, 6 May, 11am to Friday, 8 May, 11am.
* Conversions can be easily made straight from the Chocolate app. Just tap "Convert" and move the funds before the window closes.

USD Return Rates and Tier Limits:
* 4.1% p.a. return on the first US$20,000
* 3.8% p.a. return on the next US$80,000
* Up to 3.8% p.a. return on any amount exceeding US$100,000

Important Risks to Consider:
* Return Conversions: Moving money back from USD to SGD will still carry the usual FX guarantee fee.
* Currency Fluctuations: Holding foreign currency exposes users to exchange rate changes. If the USD weakens against the SGD, overall returns could be negatively impacted when converting back.
* General Investment Risk: These returns are supported by a promotional Top-Up Programme and do not constitute a guarantee of return or capital. Past performance is not indicative of future results, and all investments involve the risk of losing the invested amount.

Make the most of the US$100K top-up programme right here:
👉 hmsg.link/chocolate

1 week ago | [YT] | 3