Sponsor: 🐂 Webull Singapore hmsg.link/sgwe...
💴 Instarem Amaze Code: NhkWBH hmsg.link/amaze
🙏 Trust Bank Code: HUQPC614 www.trustbank.sg
💳 UOB EVOL hmsg.link/uobevol
💳 SCB Journey (Singsaver Pay) hmsg.link/scbj...
💳 SCB Journey (Singsaver Free) hmsg.link/scbj...
💳 SCB Journey hmsg.link/scbj...
☯️ YouTrip ($5 Bonus) hmsg.link/youtrip
📙 Advanced Credit Card Mastery Course: hmsg.link/accm
☕️ Buy from my Ko-fi shop: hmsg.link/shop
🔭 Telegram Group: t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG / honeymoneysg
🎵 TikTok / honeymoneysg
📧 Email (Business only): sghoneymoney@gmail.com
INVESTING
🐮 moomoo SG hmsg.link/sgmo...
🐯 Tiger Brokers SG Code HONEYMONEY: hmsg.link/sgtiger
🐬 uSMART Securities Code nn8gx7 hmsg.link/sgus...
📝 POEMS Cash Plus: hmsg.link/poems
📈 Interactive Brokers: hmsg.link/ibkr
💵 ProsperUs Code: HONEYMONEY hmsg.link/pros...
📗 Seeking Alpha Premium Offer hmsg.link/seek...
🐮 moomoo Existing customer hmsg.link/moom...
CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) t.me/sgpromocode
🔎 Google Pay $3 hmsg.link/goog...
🚌 Revolut SG hmsg.link/revolut
🅱️ BigPay $10 referral code KJN6MN5GS0 at bigpay.link/ref...
🚩 Wise hmsg.link/wise
✈️ Kris+ App Code: C647172 hmsg.link/kris...
🧾 DBS Paylah! $5 with code CHRHAF684
😻 Favepay hmsg.link/fave
💰 iPayMy hmsg.link/ipaymy
💳 CardUp Code WAIKITC316 app.cardup.co/...
LIFESTYLE
🎮 Sony PS5 hmsg.link/ps5
🛍 Lazada hmsg.link/lazada
🛍 Qoo10 hmsg.link/Qoo10
🛍 Shopback $5 Code: caQmJa hmsg.link/shop...
🛍 Aliexpress hmsg.link/aliexp
⭐️ CapitaStar App $5 hmsg.link/capi...
🏬 Lendlease Plus $5 referral code NsHQKY hmsg.link/lend...
🛒 NTUC Union hmsg.link/ntuc...
ROBO-ADVISORS
☣️ Syfe Trade & Wealth code: HONEYMONEY @ hmsg.link/syfe
🦉 MoneyOwl Code: 8JPW-62FZ hmsg.link/mone...
🤖 Endowus hmsg.link/endowus
BUSINESS
💼 Free Incorporation Service (+16% OFF Osome services) hmsg.link/osome
🦅 AMEX Highflyer Card hmsg.link/high...
☯️ YouBiz $50 Code: zi94mVNK @ hmsg.link/youbiz
TRAVEL
✈️ Klook hmsg.link/klook
✈️ Airasia App hmsg.link/aira...
✈️ MSIG Travel Insurance hmsg.link/msig...
✈️ Allianz Travel Insurance hmsg.link/alli...
✈️ Starr Travel Insurance hmsg.link/star...
✈️ TIQ by Etiqa Code R56612 hmsg.link/tiq
PROFESSIONAL SERVICES:
🤝 DareToFinance Fin Planning hmsg.link/dare...
🏠 Book a call with Ohmyhome hmsg.link/ohmy...
Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews.
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Spot Exchange rate as of 29 May 2023 (Mon) = 3.40
Markup = Difference from spot, including Foreign currency fee, FX spread, card charges.
3% Markup from 3.40 = 97% * 3.40 = 3.3
Trust Card: SGD 29.50, Rate 3.39
0.3% Markup from Spot
Low cost, almost zero markup
0.22% back in Linkpoints for non-FPG spend
Net return = 0.22%-0.3% = -0.08% Negative
Best use for students or people not using credit cards
Instarem Amaze
With Citi Rewards Card: SGD 30.03, Rate 3.33
2.1% Markup from Spot
Fairly high cost, but lower than bank credit cards
Earns 10x points or 4 mpd + 1% Instapoints (30 SGD = 30 pts)
Value of mile 1.25 cpm, 4 mpd = 5% Cashback
Net return = 5% + 1% - 2.1%. = +3.9% Positive
With Amaze Wallet: SGD 29.50, Rate 3.39
0.3% Markup from Spot
Low cost, same as Trust
Top-up wallet using Mastercard with no fees
Earns 4% Instapoints for transactions between S$10-S$125. 116 pts for $29.50
Net return = 4-0.3 = +3.7% Positive
With UOB EVOL card: SGD 30.46, Rate 3.28
3.5% Markup from spot
Highest cost
Earn 6.6% Effective cashback with min spend $600 and qualify for UOB One account interest
Net return = 6.6 - 3.5 = +3.1% Positive
Final Rank
1. Amaze with CRMC +3.9%
2. Amaze with wallet +3.7%
3. UOB EVOL +3.1%
4. Trust -0.08%
Try out with SC Journey card starting Jun
2 mpd for foreign currency spend
Foreign currency fee of 3.5% rebated 2 months after promotion period
#Sponsored #Webull
Негізгі бет I will PROVE the Best Card to Spend on Overseas Travel
Пікірлер: 24