Sponsor: 🐂 Webull Singapore hmsg.link/sgwebull
Citi Rewards hmsg.link/citirewards
💴 Instarem Amaze NhkWBH hmsg.link/amaze
Cards mentioned in video:
DBS Woman’s Gold World Mastercard hmsg.link/dbswwmc
HSBC Revolution hmsg.link/hsbcrevolution
DBS Live Fresh hmsg.link/dbslivefresh
UOB EVOL hmsg.link/uobevol
UOB ONE hmsg.link/uobonevisa
🚌 Revolut SG hmsg.link/revolut
☯️ YouTrip ($5 Bonus) hmsg.link/youtrip
🙏Trust Bank Code: HUQPC614 www.trustbank.sg
SCB Smart hmsg.link/scbsmart
SCB Smart (Singsaver) hmsg.link/singsaversmart
AMEX True Cashback hmsg.link/amextcb
🦅 AMEX Highflyer Card hmsg.link/highflyer
Maybank Platinum VISA hmsg.link/maybankplatinum
HSBC Everyday Global Account hmsg.link/hsbcega
UOB Absolute hmsg.link/uobabsolute
INVESTING
🐮 moomoo SG (Free Stock) hmsg.link/sgmoomoo
🐯 Tiger Brokers SG Code HONEYMONEY (Free stock): hmsg.link/sgtiger
🐬 uSMART Securities Code nn8gx7 (Free Stock) hmsg.link/sgusmart
📝 POEMS Cash Plus: hmsg.link/poems
📈 Interactive Brokers: hmsg.link/ibkr
📗 Seeking Alpha Premium $119 ONLY hmsg.link/seekingalpha
🐯 Tiger Brokers International Code HMONEYSG: hmsg.link/ustiger
🐮 moomoo US by Futu Inc (Free Stocks) hmsg.link/usmoomoo
CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) t.me/sgpromocode
🔎 Google Pay $3 hmsg.link/googlepay
🚌 Revolut SG hmsg.link/revolut
☯️ YouTrip ($5 Bonus) hmsg.link/youtrip
🙏Trust Bank Code: HUQPC614 www.trustbank.sg
🅱️ BigPay $10 referral code KJN6MN5GS0 at bigpay.link/referrals
🚩 Wise hmsg.link/wise
✈️ SIA Kris+ App Code: C647172 hmsg.link/krisplus
😻 Favepay hmsg.link/fave
💰 iPayMy hmsg.link/ipaymy
💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment app.cardup.co/users/sign_up
LIFESTYLE
🛍 Lazada hmsg.link/lazada
🛍 Qoo10 hmsg.link/Qoo10
🛍 Shopback $5 hmsg.link/shopback
🏬 Lendlease Plus $5 referral code NsHQKY
🛒 NTUC Union hmsg.link/ntucunion
ROBO-ADVISORS
☣️ Syfe Trade & Wealth: Use code HONEYMONEY @ hmsg.link/syfe
🦉 MoneyOwl RoboAdvisor Code: 8JPW-62FZ (FREE $20) hmsg.link/moneyowl
🤖 Endowus RoboAdvisor (FREE $20) hmsg.link/endowus
TRAVEL
✈️ AirAsia hmsg.link/airasia
✈️ Airasia App hmsg.link/airasiaapp
✈️ MSIG Travel Insurance hmsg.link/msigtravel
✈️ Allianz Travel Insurance hmsg.link/allianztravel
✈️ Starr Travel Insurance hmsg.link/starrtravel
✈️ TIQ by ETIQA R56612 hmsg.link/tiqtravel
PROFESSIONAL FINANCIAL PLANNING:
🤝 DareToFinance hmsg.link/daretofinance
If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!
Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
🔭 Telegram Group: t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG / honeymoneysg
📧 Email (Business only): sghoneymoney@gmail.com
☕️ Buy from my shop: ko-fi.com/honeymoneysg/shop
💵 Patreon: / honeymoneysg
_________________________________________________
Citi Rewards + Instarem Amaze has been an amazing combo to include almost every spend to get 10x reward points due to amaze being able to change payment method to online, BUT does not change the MCC Merchant category code
- Citi Thank you points can be converted to either 4mpd or up to 3.5% Cashback
But it is definitely not perfect because there are some exclusions with this strategy which we will discuss today, but fret not, as I will also offer alternative solutions to combat the issues!
Travel
- Airlines, Hotels, Restaurants in Hotels, Cruise, Travel Agencies
- Miles Alternatives: SGD use DBS WWMC, HSBC Revolution for online. FCY/Non-online use UOB Lady’s with Instarem Amaze Travel category
- Cashback Alternative: DBS Live Fresh, UOB EVOL for online
Public Transport
- SimplyGo Bus/MRT will not get
- Alternatives: SC Smart, DBS Live Fresh, UOB EVOL, UOB One
Grabpay Wallet
- Obviously not, especially with Grabpay consistent nerf
- Alternatives: AMEX TCB, AMEX Highflyer
Insurance
- Common exclusion
- Maybank Platinum Visa 3.33% min $300 monthly, or 1% Cashback with HSBC EGA GIRO
Utilities
- Electricity: Grabpay 1.2% for Geneco, coupled with 1.5% Amex TCB 1.5% total 2.7%
- UOB One for SP Utilities 3.33%+1%
Govt Services/Education
- AMEX TCB or Highflyer
- Otherwise route through Grabpay mastercard
#Sponsoredby #Webull
Негізгі бет Why the Single Card Strategy with Instarem Amaze is NOT Perfect
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