[{"data":1,"prerenderedAt":7827},["ShallowReactive",2],{"blogCategoryResult_property":3,"homepageContent":3437,"blogFeaturedPosts":3452},[4,46],[5,1324,2401],{"id":6,"uid":7,"url":8,"type":9,"href":10,"tags":11,"first_publication_date":15,"last_publication_date":16,"slugs":17,"linked_documents":19,"lang":20,"alternate_languages":21,"data":22},"aglznBAAABvve7DC","fixed-vs-floating-home-loan-singapore",null,"post","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aglznBAAABvve7DC%22%29+%5D%5D",[12,13,14],"property","mortgage","finance","2026-05-17T08:21:33+0000","2026-05-17T08:28:37+0000",[18],"fixed-vs-floating-home-loan-2026-singapore-how-to-choose",[],"en-us",[],{"title":23,"seo_title":29,"seo_meta_description":32,"featured":36,"expired":36,"noindex":36,"cover_image":37,"date":48,"author_link":49,"body":73},[24],{"type":25,"text":26,"spans":27,"direction":28},"heading1","Fixed vs Floating Home Loan 2026 Singapore: How to Choose",[],"ltr",[30],{"type":25,"text":26,"spans":31,"direction":28},[],[33],{"type":25,"text":34,"spans":35,"direction":28},"Fixed vs floating home loan Singapore 2026: SORA-pegged rates, lock-in penalty math, when each wins, and the rate-cycle framework for buyers.",[],false,{"dimensions":38,"alt":41,"copyright":8,"url":42,"id":43,"edit":44},{"width":39,"height":40},1920,1281,"Fixed vs Floating Home Loan","https://images.prismic.io/dive/agl6LKYofJOwHTE2_brian-babb-XbwHrt87mQ0-unsplash.jpg?auto=format,compress","agl6LKYofJOwHTE2",{"x":45,"y":45,"zoom":46,"background":47},0,1,"transparent","2026-05-17",{"id":50,"type":51,"tags":52,"lang":20,"slug":53,"first_publication_date":54,"last_publication_date":55,"data":56,"link_type":71,"key":72,"isBroken":36},"YGWj2RAAACIAKKzx","author",[],"gabriel-sze","2021-04-01T10:43:41+0000","2024-06-30T15:11:20+0000",{"name":57,"picture":62},[58],{"type":59,"text":60,"spans":61},"paragraph","Gabriel Sze",[],{"dimensions":63,"alt":8,"copyright":8,"url":65,"id":66,"edit":67},{"width":64,"height":64},100,"https://images.prismic.io/dive/f475c013-c00a-4b84-900f-ff6042e4d912_gab.jpg?auto=compress,format&rect=0,74,960,960&w=100&h=100","YGWjuhAAACEAKKxj",{"x":45,"y":68,"zoom":69,"background":70},-7.708333333333334,0.10416666666666667,"#fff","Document","584ffd41-4d65-4407-9fdd-9e62fd81d32f",[74,113,118,212,216,223,338,342,408,412,471,475,532,536,546,672,685,689,747,751,767,842,856,860,916,920,930,1040,1053,1057,1067,1140,1152,1156,1231,1235,1285,1289],{"primary":75,"items":110,"id":111,"slice_type":112,"slice_label":8},{"text":76},[77,81,84,87,90,99,107],{"type":78,"text":79,"spans":80,"direction":28},"heading2","Fixed vs floating home loan 2026: the short answer",[],{"type":59,"text":82,"spans":83,"direction":28},"A fixed-rate package locks your interest rate at a set percentage for 2 to 5 years. ",[],{"type":59,"text":85,"spans":86,"direction":28},"A floating-rate package moves with the 3-month compounded SORA reference rate plus a bank spread. ",[],{"type":59,"text":88,"spans":89,"direction":28},"As of mid-2026, fixed packages sit at 2.6 to 3.0 per cent and floating packages at 2.4 to 3.2 per cent depending on tenure.",[],{"type":59,"text":91,"spans":92,"direction":28},"Pick fixed if: you want payment certainty, you cannot stomach monthly variability, or you believe rates will rise from here. ",[93,96],{"start":45,"end":94,"type":95},13,"strong",{"start":97,"end":98,"type":95},15,41,{"type":59,"text":100,"spans":101,"direction":28},"Pick floating if: you have buffer to absorb rate spikes, you want the lowest possible rate today, or you believe rates will fall further in the next 2 years. ",[102,104],{"start":45,"end":103,"type":95},16,{"start":105,"end":106,"type":95},18,55,{"type":59,"text":108,"spans":109,"direction":28},"The decision is part rate-cycle forecast, part personal volatility tolerance.",[],[],"text$d49538fd-ebe0-4a5f-85eb-0eb70b1560dc","text",{"primary":114,"items":115,"id":116,"slice_type":117,"slice_label":8},{},[],"divider$5905090f-1739-4354-a102-677bc0c77e1d","divider",{"primary":119,"items":210,"id":211,"slice_type":112,"slice_label":8},{"text":120},[121,124,134,141,148,154,161,168,175,182,189,196,203],{"type":78,"text":122,"spans":123,"direction":28},"Table of Contents",[],{"type":59,"text":125,"spans":126,"direction":28},"1. Quick answer: who picks which rate type",[127],{"start":45,"end":128,"type":129,"data":130},42,"hyperlink",{"link_type":131,"url":132,"target":133},"Web","#1-quick-answer-who-picks-which-rate-type","_blank",{"type":59,"text":135,"spans":136,"direction":28},"2. Fixed-rate package: what you get",[137],{"start":45,"end":138,"type":129,"data":139},35,{"link_type":131,"url":140,"target":133},"#2-fixed-rate-package-what-you-get",{"type":59,"text":142,"spans":143,"direction":28},"3. Floating-rate (SORA-pegged) package: what you get",[144],{"start":45,"end":145,"type":129,"data":146},52,{"link_type":131,"url":147,"target":133},"#3-floating-rate-sora-pegged-package-what-you-get",{"type":59,"text":149,"spans":150,"direction":28},"4. SORA explained: the new reference rate",[151],{"start":45,"end":98,"type":129,"data":152},{"link_type":131,"url":153,"target":133},"#4-sora-explained-the-new-reference-rate",{"type":59,"text":155,"spans":156,"direction":28},"5. Singapore rate-cycle history: 10-year context",[157],{"start":45,"end":158,"type":129,"data":159},48,{"link_type":131,"url":160,"target":133},"#5-singapore-rate-cycle-history-10-year-context",{"type":59,"text":162,"spans":163,"direction":28},"6. Where you are in the cycle: the decision framework",[164],{"start":45,"end":165,"type":129,"data":166},53,{"link_type":131,"url":167,"target":133},"#6-where-you-are-in-the-cycle-the-decision-framework",{"type":59,"text":169,"spans":170,"direction":28},"7. The lock-in penalty math",[171],{"start":45,"end":172,"type":129,"data":173},27,{"link_type":131,"url":174,"target":133},"#7-the-lock-in-penalty-math",{"type":59,"text":176,"spans":177,"direction":28},"8. Hybrid strategies: 2-year fixed then float",[178],{"start":45,"end":179,"type":129,"data":180},45,{"link_type":131,"url":181,"target":133},"#8-hybrid-strategies-2-year-fixed-then-float",{"type":59,"text":183,"spans":184,"direction":28},"9. Bank package comparison: DBS, OCBC, UOB, Maybank",[185],{"start":45,"end":186,"type":129,"data":187},51,{"link_type":131,"url":188,"target":133},"#9-bank-package-comparison-dbs-ocbc-uob-maybank",{"type":59,"text":190,"spans":191,"direction":28},"10. Total cost over 25 years: four scenarios",[192],{"start":45,"end":193,"type":129,"data":194},44,{"link_type":131,"url":195,"target":133},"#10-total-cost-over-25-years-four-scenarios",{"type":59,"text":197,"spans":198,"direction":28},"11. Decision tree by buyer profile",[199],{"start":45,"end":200,"type":129,"data":201},34,{"link_type":131,"url":202,"target":133},"#11-decision-tree-by-buyer-profile",{"type":59,"text":204,"spans":205,"direction":28},"12. FAQ",[206],{"start":45,"end":207,"type":129,"data":208},7,{"link_type":131,"url":209,"target":133},"#12-faq",[],"text$b036d45f-3fbd-4a60-b56f-7ac4829aec7a",{"primary":213,"items":214,"id":215,"slice_type":117,"slice_label":8},{},[],"divider$05a819f8-7425-4103-8664-7e37072049d4",{"primary":217,"items":221,"id":222,"slice_type":112,"slice_label":8},{"text":218},[219],{"type":78,"text":125,"spans":220,"direction":28},[],[],"text$616c5d4d-4c6e-474d-8089-72d4e2c7dd6e",{"primary":224,"items":226,"id":336,"slice_type":337,"slice_label":8},{"table_title":225},[],[227,245,258,271,284,297,310,323],{"col1":228,"col2":233,"col3":239},[229],{"type":59,"text":230,"spans":231,"direction":28},"Buyer profile",[232],{"start":45,"end":94,"type":95},[234],{"type":59,"text":235,"spans":236,"direction":28},"Best fit",[237],{"start":45,"end":238,"type":95},8,[240],{"type":59,"text":241,"spans":242,"direction":28},"Why",[243],{"start":45,"end":244,"type":95},3,{"col1":246,"col2":250,"col3":254},[247],{"type":59,"text":248,"spans":249,"direction":28},"New buyer wanting payment certainty",[],[251],{"type":59,"text":252,"spans":253,"direction":28},"Fixed 2-3 year",[],[255],{"type":59,"text":256,"spans":257,"direction":28},"Locks monthly cash flow during settling-in period",[],{"col1":259,"col2":263,"col3":267},[260],{"type":59,"text":261,"spans":262,"direction":28},"Risk-averse, no spare cash buffer",[],[264],{"type":59,"text":265,"spans":266,"direction":28},"Fixed 3-5 year",[],[268],{"type":59,"text":269,"spans":270,"direction":28},"Protects from rate spikes if SORA jumps",[],{"col1":272,"col2":276,"col3":280},[273],{"type":59,"text":274,"spans":275,"direction":28},"Have S$50,000+ buffer, can absorb +1%",[],[277],{"type":59,"text":278,"spans":279,"direction":28},"Floating SORA-pegged",[],[281],{"type":59,"text":282,"spans":283,"direction":28},"Captures rate drops as they happen",[],{"col1":285,"col2":289,"col3":293},[286],{"type":59,"text":287,"spans":288,"direction":28},"Expect rates to fall further",[],[290],{"type":59,"text":291,"spans":292,"direction":28},"Floating",[],[294],{"type":59,"text":295,"spans":296,"direction":28},"Benefits immediately when SORA drops",[],{"col1":298,"col2":302,"col3":306},[299],{"type":59,"text":300,"spans":301,"direction":28},"Expect rates to rise sharply",[],[303],{"type":59,"text":304,"spans":305,"direction":28},"Fixed 5-year",[],[307],{"type":59,"text":308,"spans":309,"direction":28},"Locks current rate before increase",[],{"col1":311,"col2":315,"col3":319},[312],{"type":59,"text":313,"spans":314,"direction":28},"Plan to sell or refinance within 2 years",[],[316],{"type":59,"text":317,"spans":318,"direction":28},"Floating, no lock-in",[],[320],{"type":59,"text":321,"spans":322,"direction":28},"Avoid early-redemption penalty",[],{"col1":324,"col2":328,"col3":332},[325],{"type":59,"text":326,"spans":327,"direction":28},"Want lowest rate AND flexibility",[],[329],{"type":59,"text":330,"spans":331,"direction":28},"Hybrid: 2-year fixed + float after",[],[333],{"type":59,"text":334,"spans":335,"direction":28},"Get fix-rate stability then float at reversion",[],"table3$e5c9deac-1c64-4547-b894-e191c167a109","table3",{"primary":339,"items":340,"id":341,"slice_type":117,"slice_label":8},{},[],"divider$78feb523-7a21-4470-8b92-2e02f8276c6c",{"primary":343,"items":406,"id":407,"slice_type":112,"slice_label":8},{"text":344},[345,347,359,363,367,370,373,376,379,382,385,388,391,394,397,400,403],{"type":78,"text":135,"spans":346,"direction":28},[],{"type":59,"text":348,"spans":349,"direction":28},"A fixed-rate home loan locks your interest rate at a specified percentage for 2, 3, or 5 years. During the fixed period, your monthly mortgage payment does not move regardless of what SORA or market rates do. At the end of the fixed period, the rate reverts to a floating reference (usually SORA + a bank spread).",[350,353,356],{"start":351,"end":352,"type":95},2,73,{"start":354,"end":355,"type":95},126,164,{"start":357,"end":358,"type":95},245,312,{"type":360,"text":361,"spans":362,"direction":28},"heading3","Typical fixed-rate package structure (mid-2026)",[],{"type":364,"text":365,"spans":366,"direction":28},"list-item","2-year fixed: 2.55 to 2.75 per cent",[],{"type":364,"text":368,"spans":369,"direction":28},"3-year fixed: 2.65 to 2.85 per cent",[],{"type":364,"text":371,"spans":372,"direction":28},"5-year fixed: 2.80 to 3.00 per cent",[],{"type":364,"text":374,"spans":375,"direction":28},"Reversion rate (year 3+, 4+ or 6+): 3M SORA + 0.65 to 1.00 per cent spread",[],{"type":364,"text":377,"spans":378,"direction":28},"Lock-in period typically matches the fixed-rate period (no early repayment without penalty)",[],{"type":360,"text":380,"spans":381,"direction":28},"What you get with fixed",[],{"type":364,"text":383,"spans":384,"direction":28},"Monthly payment certainty for the lock-in period",[],{"type":364,"text":386,"spans":387,"direction":28},"Protection against rate spikes (the bank absorbs the risk)",[],{"type":364,"text":389,"spans":390,"direction":28},"Easier mental load: set-and-forget for 2-5 years",[],{"type":364,"text":392,"spans":393,"direction":28},"Cashback or legal subsidy at signing (typical S$1,500 to S$3,000)",[],{"type":360,"text":395,"spans":396,"direction":28},"What you give up",[],{"type":364,"text":398,"spans":399,"direction":28},"Higher starting rate than floating (banks charge for the rate guarantee)",[],{"type":364,"text":401,"spans":402,"direction":28},"No benefit if SORA drops during the lock-in (you stay at fixed rate)",[],{"type":364,"text":404,"spans":405,"direction":28},"Penalty for early repayment or refinancing inside the lock-in (1.5 per cent of redemption amount)",[],[],"text$577445f9-876c-4111-a934-16e34c3d2fc3",{"primary":409,"items":410,"id":411,"slice_type":117,"slice_label":8},{},[],"divider$84dad838-c3d8-4421-a8bb-70d9583f7727",{"primary":413,"items":469,"id":470,"slice_type":112,"slice_label":8},{"text":414},[415,417,428,431,434,437,440,443,446,449,452,455,458,460,463,466],{"type":78,"text":142,"spans":416,"direction":28},[],{"type":59,"text":418,"spans":419,"direction":28},"A floating-rate home loan ties your interest rate to a reference benchmark (3-month compounded SORA in 2026) plus a fixed bank spread. The rate adjusts every 1-3 months as SORA moves. Your monthly payment can rise or fall with each adjustment.",[420,422,425],{"start":351,"end":421,"type":95},74,{"start":423,"end":424,"type":95},76,107,{"start":426,"end":427,"type":95},184,242,{"type":360,"text":429,"spans":430,"direction":28},"Typical floating-rate package structure (mid-2026)",[],{"type":364,"text":432,"spans":433,"direction":28},"3M SORA + 0.65 to 0.85 per cent (first 2-3 years)",[],{"type":364,"text":435,"spans":436,"direction":28},"3M SORA + 0.85 to 1.10 per cent (year 4 onwards reversion)",[],{"type":364,"text":438,"spans":439,"direction":28},"Lock-in 0 to 2 years (some packages have NO lock-in)",[],{"type":364,"text":441,"spans":442,"direction":28},"Free conversion within the bank after 2 years (switch packages without legal fees)",[],{"type":360,"text":444,"spans":445,"direction":28},"What you get with floating",[],{"type":364,"text":447,"spans":448,"direction":28},"Lower starting rate than fixed in most rate cycles",[],{"type":364,"text":450,"spans":451,"direction":28},"Benefits immediately when SORA drops (rate adjusts within 1-3 months)",[],{"type":364,"text":453,"spans":454,"direction":28},"Flexibility to refinance or sell without large penalty (especially no-lock-in packages)",[],{"type":364,"text":456,"spans":457,"direction":28},"Transparency: rates publicly track 3M SORA which is published daily by MAS",[],{"type":360,"text":395,"spans":459,"direction":28},[],{"type":364,"text":461,"spans":462,"direction":28},"Payment uncertainty: monthly cost moves with rate adjustments",[],{"type":364,"text":464,"spans":465,"direction":28},"Exposed to rate spikes (if SORA jumps 1 per cent, your monthly payment jumps with it)",[],{"type":364,"text":467,"spans":468,"direction":28},"Mental load: monitoring rate cycles to know when to refinance or convert",[],[],"text$74001fe8-4b6a-491f-9936-be5f62ce5b30",{"primary":472,"items":473,"id":474,"slice_type":117,"slice_label":8},{},[],"divider$0b636fd7-6cca-419c-9b64-21cc639d8776",{"primary":476,"items":530,"id":531,"slice_type":112,"slice_label":8},{"text":477},[478,480,494,497,500,503,506,509,512,515,518,521,524,527],{"type":78,"text":149,"spans":479,"direction":28},[],{"type":59,"text":481,"spans":482,"direction":28},"SORA (Singapore Overnight Rate Average) is the volume-weighted average of unsecured overnight interbank SGD transactions. Since December 2024, SORA has been the sole reference rate for new SGD home loans; SIBOR and SOR were discontinued.",[483,485,488,491],{"start":45,"end":484,"type":95},39,{"start":486,"end":487,"type":95},47,120,{"start":489,"end":490,"type":95},122,180,{"start":492,"end":493,"type":95},205,236,{"type":360,"text":495,"spans":496,"direction":28},"How SORA-pegged rates work in practice",[],{"type":364,"text":498,"spans":499,"direction":28},"Banks use the 3-month compounded SORA (average of daily SORA over the last 3 months)",[],{"type":364,"text":501,"spans":502,"direction":28},"Your loan rate = 3M compounded SORA + bank spread (the spread is fixed per your contract)",[],{"type":364,"text":504,"spans":505,"direction":28},"Spread is typically 0.65 to 1.00 per cent depending on bank and package",[],{"type":364,"text":507,"spans":508,"direction":28},"SORA published daily by MAS; 3M compounded SORA is published on MAS website",[],{"type":364,"text":510,"spans":511,"direction":28},"Rate resets every 1-3 months depending on your contract",[],{"type":360,"text":513,"spans":514,"direction":28},"Why SORA replaced SIBOR",[],{"type":59,"text":516,"spans":517,"direction":28},"SIBOR was based on surveyed offer rates rather than actual transactions, which made it less robust as a benchmark. SORA reflects real market transactions, is more transparent, and aligns Singapore with global benchmark reforms (LIBOR replaced by SOFR globally, EURIBOR reforms in EU, etc.).",[],{"type":360,"text":519,"spans":520,"direction":28},"SORA behaviour in rate cycles",[],{"type":364,"text":522,"spans":523,"direction":28},"Rising US Fed rates: SORA typically rises within 1-3 months as SGD market follows",[],{"type":364,"text":525,"spans":526,"direction":28},"Falling US Fed rates: SORA typically falls within 1-3 months as well",[],{"type":364,"text":528,"spans":529,"direction":28},"SORA is NOT directly pegged to the Fed but tracks US monetary conditions through SGD/USD market",[],[],"text$b30e0a93-80c2-43e6-a7b9-61ae4e66e651",{"primary":533,"items":534,"id":535,"slice_type":117,"slice_label":8},{},[],"divider$bcd96dcc-6cbc-4ae9-a8c8-b6858c1a6cb1",{"primary":537,"items":544,"id":545,"slice_type":112,"slice_label":8},{"text":538},[539,541],{"type":78,"text":155,"spans":540,"direction":28},[],{"type":59,"text":542,"spans":543,"direction":28},"Looking at the last decade of Singapore home loan rates gives you context for the current cycle position and informs the fixed-vs-floating decision.",[],[],"text$5b9df991-8967-4548-85b9-53605bfd3ec0",{"primary":547,"items":549,"id":671,"slice_type":337,"slice_label":8},{"table_title":548},[],[550,568,581,594,607,620,633,646,658],{"col1":551,"col2":557,"col3":562},[552],{"type":59,"text":553,"spans":554,"direction":28},"Year",[555],{"start":45,"end":556,"type":95},4,[558],{"type":59,"text":559,"spans":560,"direction":28},"Avg 3M SORA / SIBOR (proxy)",[561],{"start":45,"end":172,"type":95},[563],{"type":59,"text":564,"spans":565,"direction":28},"Typical home loan rate",[566],{"start":45,"end":567,"type":95},22,{"col1":569,"col2":573,"col3":577},[570],{"type":59,"text":571,"spans":572,"direction":28},"2016",[],[574],{"type":59,"text":575,"spans":576,"direction":28},"~0.85 per cent",[],[578],{"type":59,"text":579,"spans":580,"direction":28},"~1.80 per cent",[],{"col1":582,"col2":586,"col3":590},[583],{"type":59,"text":584,"spans":585,"direction":28},"2018",[],[587],{"type":59,"text":588,"spans":589,"direction":28},"~1.75 per cent",[],[591],{"type":59,"text":592,"spans":593,"direction":28},"~2.40 per cent",[],{"col1":595,"col2":599,"col3":603},[596],{"type":59,"text":597,"spans":598,"direction":28},"2020 (COVID)",[],[600],{"type":59,"text":601,"spans":602,"direction":28},"~0.30 per cent",[],[604],{"type":59,"text":605,"spans":606,"direction":28},"~1.50 per cent",[],{"col1":608,"col2":612,"col3":616},[609],{"type":59,"text":610,"spans":611,"direction":28},"2022",[],[613],{"type":59,"text":614,"spans":615,"direction":28},"~3.00 per cent (peak)",[],[617],{"type":59,"text":618,"spans":619,"direction":28},"~3.85 per cent",[],{"col1":621,"col2":625,"col3":629},[622],{"type":59,"text":623,"spans":624,"direction":28},"2023",[],[626],{"type":59,"text":627,"spans":628,"direction":28},"~3.50 per cent",[],[630],{"type":59,"text":631,"spans":632,"direction":28},"~4.25 per cent",[],{"col1":634,"col2":638,"col3":642},[635],{"type":59,"text":636,"spans":637,"direction":28},"2024",[],[639],{"type":59,"text":640,"spans":641,"direction":28},"~3.20 per cent",[],[643],{"type":59,"text":644,"spans":645,"direction":28},"~4.00 per cent",[],{"col1":647,"col2":651,"col3":655},[648],{"type":59,"text":649,"spans":650,"direction":28},"2025 (rate cuts)",[],[652],{"type":59,"text":653,"spans":654,"direction":28},"~2.50 per cent",[],[656],{"type":59,"text":640,"spans":657,"direction":28},[],{"col1":659,"col2":663,"col3":667},[660],{"type":59,"text":661,"spans":662,"direction":28},"Mid-2026",[],[664],{"type":59,"text":665,"spans":666,"direction":28},"~1.90 per cent",[],[668],{"type":59,"text":669,"spans":670,"direction":28},"~2.65 per cent (current)",[],"table3$b0da6687-6184-4ddc-8f51-1367b94039b8",{"primary":673,"items":683,"id":684,"slice_type":112,"slice_label":8},{"text":674},[675],{"type":59,"text":676,"spans":677,"direction":28},"The 2022-2024 cycle was the highest-rate environment in 15 years. The 2025-2026 cycle is a clear easing phase, with SORA dropping ~1.1 per cent in 18 months. Whether the easing continues, stabilises, or reverses determines the current optimal choice.",[678,680],{"start":556,"end":679,"type":95},64,{"start":681,"end":682,"type":95},70,109,[],"text$108bf0cb-39b3-49a2-9510-3f5e266f8f90",{"primary":686,"items":687,"id":688,"slice_type":117,"slice_label":8},{},[],"divider$db665259-e17f-4aaf-87b3-6d100f9fa045",{"primary":690,"items":745,"id":746,"slice_type":112,"slice_label":8},{"text":691},[692,694,703,706,709,712,715,718,721,724,727,730,733,736,739,742],{"type":78,"text":162,"spans":693,"direction":28},[],{"type":59,"text":695,"spans":696,"direction":28},"The fixed-vs-floating decision depends on where you think SORA goes from current levels. Markets price expectations into forward curves, but no one knows for certain. The framework below structures the bet you are making.",[697,700],{"start":698,"end":699,"type":95},31,87,{"start":701,"end":702,"type":95},187,220,{"type":360,"text":704,"spans":705,"direction":28},"If you think rates will FALL further",[],{"type":364,"text":707,"spans":708,"direction":28},"Floating wins: each SORA drop flows into lower monthly payments within 1-3 months",[],{"type":364,"text":710,"spans":711,"direction":28},"Avoid long 5-year fixed: you would lock in above-market rates as SORA falls",[],{"type":364,"text":713,"spans":714,"direction":28},"Consider no-lock-in floating: gives you optionality to refinance again later",[],{"type":360,"text":716,"spans":717,"direction":28},"If you think rates will STAY FLAT (around current level)",[],{"type":364,"text":719,"spans":720,"direction":28},"Floating slightly wins on starting rate (lower spread typically)",[],{"type":364,"text":722,"spans":723,"direction":28},"Fixed wins on mental simplicity (no rate-watching needed)",[],{"type":364,"text":725,"spans":726,"direction":28},"Pick based on your tolerance for variability, not on rate forecasts",[],{"type":360,"text":728,"spans":729,"direction":28},"If you think rates will RISE",[],{"type":364,"text":731,"spans":732,"direction":28},"Fixed wins decisively: lock current ~2.7% before rates climb back toward 3.5-4%",[],{"type":364,"text":734,"spans":735,"direction":28},"Pick 3 or 5-year fixed (longer lock-in protection)",[],{"type":364,"text":737,"spans":738,"direction":28},"Avoid floating: each SORA hike flows into your monthly payment",[],{"type":360,"text":740,"spans":741,"direction":28},"Honest assessment: you cannot know",[],{"type":59,"text":743,"spans":744,"direction":28},"Even professional bond traders get rate forecasts wrong regularly. The realistic approach: pick the package that fits your buffer + behaviour, not the package that bets on a forecast you cannot verify.",[],[],"text$d256f2b0-7833-4a3b-b746-a5b900e979a1",{"primary":748,"items":749,"id":750,"slice_type":117,"slice_label":8},{},[],"divider$1f4a9702-57a2-465e-9a9f-7518f0702f4d",{"primary":752,"items":765,"id":766,"slice_type":112,"slice_label":8},{"text":753},[754,756],{"type":78,"text":169,"spans":755,"direction":28},[],{"type":59,"text":757,"spans":758,"direction":28},"Fixed-rate packages typically include a lock-in period equal to the fixed period (2, 3, or 5 years). During lock-in, early redemption (full payoff or partial repayment above the allowed annual amount) triggers a penalty of approximately 1.5 per cent of the redemption sum.",[759,762],{"start":760,"end":761,"type":95},40,80,{"start":763,"end":764,"type":95},223,271,[],"text$8e185d04-fa60-4e6b-b5d3-e47491dcd416",{"primary":768,"items":770,"id":841,"slice_type":337,"slice_label":8},{"table_title":769},[],[771,789,802,815,828],{"col1":772,"col2":777,"col3":783},[773],{"type":59,"text":774,"spans":775,"direction":28},"Loan balance redeemed early",[776],{"start":45,"end":172,"type":95},[778],{"type":59,"text":779,"spans":780,"direction":28},"Penalty (1.5%)",[781],{"start":45,"end":782,"type":95},14,[784],{"type":59,"text":785,"spans":786,"direction":28},"When this matters",[787],{"start":45,"end":788,"type":95},17,{"col1":790,"col2":794,"col3":798},[791],{"type":59,"text":792,"spans":793,"direction":28},"S$200,000",[],[795],{"type":59,"text":796,"spans":797,"direction":28},"S$3,000",[],[799],{"type":59,"text":800,"spans":801,"direction":28},"If you sell during year 2 of 3-year fixed",[],{"col1":803,"col2":807,"col3":811},[804],{"type":59,"text":805,"spans":806,"direction":28},"S$400,000",[],[808],{"type":59,"text":809,"spans":810,"direction":28},"S$6,000",[],[812],{"type":59,"text":813,"spans":814,"direction":28},"If you refinance during 5-year fixed",[],{"col1":816,"col2":820,"col3":824},[817],{"type":59,"text":818,"spans":819,"direction":28},"S$600,000",[],[821],{"type":59,"text":822,"spans":823,"direction":28},"S$9,000",[],[825],{"type":59,"text":826,"spans":827,"direction":28},"Mid-tenor early-redemption on private property",[],{"col1":829,"col2":833,"col3":837},[830],{"type":59,"text":831,"spans":832,"direction":28},"S$1,000,000",[],[834],{"type":59,"text":835,"spans":836,"direction":28},"S$15,000",[],[838],{"type":59,"text":839,"spans":840,"direction":28},"Large condo upgrade scenario",[],"table3$7f503597-019c-4f71-b885-45f5b6e728fc",{"primary":843,"items":854,"id":855,"slice_type":112,"slice_label":8},{"text":844},[845,848],{"type":360,"text":846,"spans":847,"direction":28},"When fixed pays back vs floating",[],{"type":59,"text":849,"spans":850,"direction":28},"Roughly: if your fixed rate is X per cent and floating is X minus 0.3 per cent, the fixed package pays back if SORA rises more than 0.6 per cent during your lock-in period. If you expect SORA stable or rising, fixed wins. If you expect stable or falling, floating wins.",[851],{"start":852,"end":853,"type":95},84,171,[],"text$329255a7-9c41-4165-9f73-ac1bac8d2e9c",{"primary":857,"items":858,"id":859,"slice_type":117,"slice_label":8},{},[],"divider$1d9275b9-4e35-4dee-82c9-cdea0ea82225",{"primary":861,"items":914,"id":915,"slice_type":112,"slice_label":8},{"text":862},[863,865,876,879,882,885,888,891,894,897,900,903,906],{"type":78,"text":176,"spans":864,"direction":28},[],{"type":59,"text":866,"spans":867,"direction":28},"Many sophisticated buyers use a hybrid approach: lock in a 2-year fixed package for the early settling-in period, then let the rate float at reversion (year 3+) when they have more cash buffer and are more comfortable with rate variability.",[868,870,873],{"start":869,"end":486,"type":95},32,{"start":871,"end":872,"type":95},49,112,{"start":874,"end":875,"type":95},119,150,{"type":360,"text":877,"spans":878,"direction":28},"Common hybrid patterns",[],{"type":364,"text":880,"spans":881,"direction":28},"2-year fixed then refinance: lock low rate for 2 years, then shop new package as lock-in ends",[],{"type":364,"text":883,"spans":884,"direction":28},"2-year fixed then float in same bank: most banks allow free conversion to floating after lock-in",[],{"type":364,"text":886,"spans":887,"direction":28},"3-year fixed + cashback offset: take a cashback offer, hold through lock-in, refinance after",[],{"type":364,"text":889,"spans":890,"direction":28},"Floating no-lock-in then switch to fixed if rates rise: opportunistic risk-management",[],{"type":360,"text":892,"spans":893,"direction":28},"What to watch for in hybrid plays",[],{"type":364,"text":895,"spans":896,"direction":28},"Free conversion typically available only within the same bank, not across banks",[],{"type":364,"text":898,"spans":899,"direction":28},"Legal fees on refinancing (~S$2,500 to S$3,500) - usually covered by new bank cashback",[],{"type":364,"text":901,"spans":902,"direction":28},"Valuation report fees (~S$500) - paid up-front, refunded by some banks",[],{"type":364,"text":904,"spans":905,"direction":28},"Refinancing only makes sense if new rate is at least 0.3-0.5 per cent lower than current",[],{"type":59,"text":907,"spans":908,"direction":28},"For the full refinancing playbook including timing windows and total-savings math, see the Refinancing Home Loan Singapore 2026 guide.",[909],{"start":910,"end":911,"type":129,"data":912},91,133,{"link_type":131,"url":913,"target":133},"https://divedeals.sg/blog/refinancing-home-loan-singapore",[],"text$c9bc6f78-1ae4-46d0-8394-47aa34977365",{"primary":917,"items":918,"id":919,"slice_type":117,"slice_label":8},{},[],"divider$64ec55de-2cb8-49f7-a8d6-28971ec1f78f",{"primary":921,"items":928,"id":929,"slice_type":112,"slice_label":8},{"text":922},[923,925],{"type":78,"text":183,"spans":924,"direction":28},[],{"type":59,"text":926,"spans":927,"direction":28},"Indicative mid-2026 packages from the major Singapore banks. Specific rates change with the cycle, but the pattern of who offers what is stable.",[],[],"text$44aadc55-f41c-4c8a-8fa5-d354f197a218",{"primary":931,"items":933,"id":1039,"slice_type":337,"slice_label":8},{"table_title":932},[],[934,951,964,977,989,1002,1014,1026],{"col1":935,"col2":940,"col3":945},[936],{"type":59,"text":937,"spans":938,"direction":28},"Bank",[939],{"start":45,"end":556,"type":95},[941],{"type":59,"text":942,"spans":943,"direction":28},"2-year fixed (typical)",[944],{"start":45,"end":567,"type":95},[946],{"type":59,"text":947,"spans":948,"direction":28},"SORA-pegged floating",[949],{"start":45,"end":950,"type":95},20,{"col1":952,"col2":956,"col3":960},[953],{"type":59,"text":954,"spans":955,"direction":28},"DBS",[],[957],{"type":59,"text":958,"spans":959,"direction":28},"2.60% (2-yr); 2.70% (3-yr)",[],[961],{"type":59,"text":962,"spans":963,"direction":28},"3M SORA + 0.70%",[],{"col1":965,"col2":969,"col3":973},[966],{"type":59,"text":967,"spans":968,"direction":28},"OCBC",[],[970],{"type":59,"text":971,"spans":972,"direction":28},"2.65% (2-yr); 2.75% (3-yr)",[],[974],{"type":59,"text":975,"spans":976,"direction":28},"3M SORA + 0.75%",[],{"col1":978,"col2":982,"col3":986},[979],{"type":59,"text":980,"spans":981,"direction":28},"UOB",[],[983],{"type":59,"text":984,"spans":985,"direction":28},"2.70% (2-yr); 2.80% (3-yr)",[],[987],{"type":59,"text":962,"spans":988,"direction":28},[],{"col1":990,"col2":994,"col3":998},[991],{"type":59,"text":992,"spans":993,"direction":28},"Maybank",[],[995],{"type":59,"text":996,"spans":997,"direction":28},"2.55% (2-yr); 2.65% (3-yr)",[],[999],{"type":59,"text":1000,"spans":1001,"direction":28},"3M SORA + 0.80%",[],{"col1":1003,"col2":1007,"col3":1010},[1004],{"type":59,"text":1005,"spans":1006,"direction":28},"Standard Chartered",[],[1008],{"type":59,"text":958,"spans":1009,"direction":28},[],[1011],{"type":59,"text":1012,"spans":1013,"direction":28},"3M SORA + 0.65% (lowest spread)",[],{"col1":1015,"col2":1019,"col3":1023},[1016],{"type":59,"text":1017,"spans":1018,"direction":28},"HSBC",[],[1020],{"type":59,"text":1021,"spans":1022,"direction":28},"2.55% (2-yr); 2.70% (3-yr)",[],[1024],{"type":59,"text":962,"spans":1025,"direction":28},[],{"col1":1027,"col2":1031,"col3":1035},[1028],{"type":59,"text":1029,"spans":1030,"direction":28},"Citibank",[],[1032],{"type":59,"text":1033,"spans":1034,"direction":28},"2.65% (2-yr); 2.80% (3-yr)",[],[1036],{"type":59,"text":1037,"spans":1038,"direction":28},"3M SORA + 0.85%",[],"table3$ce3bc61e-16c1-45e6-924f-0ff485103389",{"primary":1041,"items":1051,"id":1052,"slice_type":112,"slice_label":8},{"text":1042},[1043],{"type":59,"text":1044,"spans":1045,"direction":28},"Pricing differences are typically within 10-20 basis points (0.10 to 0.20 per cent). Over a S$500,000 loan that is S$500 to S$1,000 per year. Cashback and legal subsidy promos (S$1,500 to S$3,000) often outweigh the rate differential, so check the total package economics, not just the headline rate.",[1046,1048],{"start":45,"end":1047,"type":95},59,{"start":1049,"end":1050,"type":95},142,233,[],"text$de1024fa-6a79-44ce-916f-feb74f7a65fa",{"primary":1054,"items":1055,"id":1056,"slice_type":117,"slice_label":8},{},[],"divider$595d1375-3848-443e-a840-84c52fa99110",{"primary":1058,"items":1065,"id":1066,"slice_type":112,"slice_label":8},{"text":1059},[1060,1062],{"type":78,"text":190,"spans":1061,"direction":28},[],{"type":59,"text":1063,"spans":1064,"direction":28},"S$500,000 loan, 25-year tenure. Modelled across four scenarios to show how the choice plays out over a long horizon.",[],[],"text$aa2d4904-a2a2-4019-9c90-beed9fb080fa",{"primary":1068,"items":1070,"id":1139,"slice_type":337,"slice_label":8},{"table_title":1069},[],[1071,1088,1101,1113,1126],{"col1":1072,"col2":1077,"col3":1082},[1073],{"type":59,"text":1074,"spans":1075,"direction":28},"Scenario",[1076],{"start":45,"end":238,"type":95},[1078],{"type":59,"text":1079,"spans":1080,"direction":28},"Fixed 2.65% locked",[1081],{"start":45,"end":105,"type":95},[1083],{"type":59,"text":1084,"spans":1085,"direction":28},"Floating SORA+0.70%",[1086],{"start":45,"end":1087,"type":95},19,{"col1":1089,"col2":1093,"col3":1097},[1090],{"type":59,"text":1091,"spans":1092,"direction":28},"Rates flat at 2.65% for 25 years",[],[1094],{"type":59,"text":1095,"spans":1096,"direction":28},"S$680,000 total",[],[1098],{"type":59,"text":1099,"spans":1100,"direction":28},"S$680,000 total (same)",[],{"col1":1102,"col2":1106,"col3":1109},[1103],{"type":59,"text":1104,"spans":1105,"direction":28},"Rates fall to 2.0% in year 3-5",[],[1107],{"type":59,"text":1095,"spans":1108,"direction":28},[],[1110],{"type":59,"text":1111,"spans":1112,"direction":28},"S$640,000 (-S$40k)",[],{"col1":1114,"col2":1118,"col3":1122},[1115],{"type":59,"text":1116,"spans":1117,"direction":28},"Rates rise to 3.5% in year 3-5",[],[1119],{"type":59,"text":1120,"spans":1121,"direction":28},"S$680,000 total (locked)",[],[1123],{"type":59,"text":1124,"spans":1125,"direction":28},"S$735,000 (+S$55k)",[],{"col1":1127,"col2":1131,"col3":1135},[1128],{"type":59,"text":1129,"spans":1130,"direction":28},"Rates swing 2-4% over 25 years",[],[1132],{"type":59,"text":1133,"spans":1134,"direction":28},"S$680,000",[],[1136],{"type":59,"text":1137,"spans":1138,"direction":28},"S$685,000 (slight edge to fixed)",[],"table3$a560ac1e-c23f-4b48-ab80-4900e82e009b",{"primary":1141,"items":1150,"id":1151,"slice_type":112,"slice_label":8},{"text":1142},[1143],{"type":59,"text":1144,"spans":1145,"direction":28},"The fixed-rate option behaves like insurance: you pay a premium (slightly higher starting rate) for protection against the worst-case scenario (rates jumping +1.5 per cent and staying there). The floating option behaves like rate participation: you capture downside (S$40k savings) but expose yourself to upside risk (S$55k extra cost).",[1146,1147],{"start":556,"end":193,"type":95},{"start":1148,"end":1149,"type":95},196,243,[],"text$0a44ba36-8969-47e0-887d-ddcfc5b1adbe",{"primary":1153,"items":1154,"id":1155,"slice_type":117,"slice_label":8},{},[],"divider$c5f83ace-3f75-45bd-8439-67af4282007f",{"primary":1157,"items":1229,"id":1230,"slice_type":112,"slice_label":8},{"text":1158},[1159,1161,1164,1167,1170,1173,1176,1179,1182,1185,1188,1191,1194,1197,1200,1203,1206,1209,1212,1215,1218,1221],{"type":78,"text":197,"spans":1160,"direction":28},[],{"type":59,"text":1162,"spans":1163,"direction":28},"Match your specific situation to the package that fits your buffer and behaviour.",[],{"type":360,"text":1165,"spans":1166,"direction":28},"Profile A: First-time buyer, dual-income S$10,000, S$30k cash buffer",[],{"type":364,"text":1168,"spans":1169,"direction":28},"Recommended: 2 or 3-year fixed",[],{"type":364,"text":1171,"spans":1172,"direction":28},"Why: cash buffer too small to absorb +1% rate shock; payment certainty matters during settling-in",[],{"type":364,"text":1174,"spans":1175,"direction":28},"Refinance after lock-in once buffer grows past S$50k",[],{"type":360,"text":1177,"spans":1178,"direction":28},"Profile B: Established buyer, dual-income S$20,000+, S$100k+ buffer",[],{"type":364,"text":1180,"spans":1181,"direction":28},"Recommended: SORA-pegged floating with no lock-in",[],{"type":364,"text":1183,"spans":1184,"direction":28},"Why: buffer absorbs rate spikes; floating starts lower and captures rate drops",[],{"type":364,"text":1186,"spans":1187,"direction":28},"Switch to fixed if SORA looks set to rise sharply",[],{"type":360,"text":1189,"spans":1190,"direction":28},"Profile C: Self-employed, lumpy income, irregular cash flow",[],{"type":364,"text":1192,"spans":1193,"direction":28},"Recommended: 3-year fixed for certainty",[],{"type":364,"text":1195,"spans":1196,"direction":28},"Why: hard to budget for monthly rate variability when income is unstable",[],{"type":364,"text":1198,"spans":1199,"direction":28},"Avoid floating if a 0.5% rate jump would strain monthly cash flow",[],{"type":360,"text":1201,"spans":1202,"direction":28},"Profile D: Planning to sell or upgrade in 2-3 years",[],{"type":364,"text":1204,"spans":1205,"direction":28},"Recommended: floating, no lock-in",[],{"type":364,"text":1207,"spans":1208,"direction":28},"Why: avoid 1.5% early-redemption penalty when you sell",[],{"type":364,"text":1210,"spans":1211,"direction":28},"Specifically ask for no-lock-in package; not every bank offers this",[],{"type":360,"text":1213,"spans":1214,"direction":28},"Profile E: Already on HDB concessionary loan, considering switch",[],{"type":364,"text":1216,"spans":1217,"direction":28},"Recommended: stay on HDB loan unless bank rate is at least 0.5% lower",[],{"type":364,"text":1219,"spans":1220,"direction":28},"Why: HDB loan has no lock-in and no refinancing risk; switching loses that protection",[],{"type":59,"text":1222,"spans":1223,"direction":28},"For the upstream HDB-loan-vs-bank-loan decision and why most buyers should evaluate that first, see the HDB Loan vs Bank Loan 2026 Singapore guide.",[1224],{"start":1225,"end":1226,"type":129,"data":1227},104,146,{"link_type":131,"url":1228,"target":133},"https://divedeals.sg/blog/hdb-loan-vs-bank-loan-singapore",[],"text$898b987c-25a3-4d19-9cef-0d7e7d8919aa",{"primary":1232,"items":1233,"id":1234,"slice_type":117,"slice_label":8},{},[],"divider$659f0451-fd64-486b-9014-2d541c7072fe",{"primary":1236,"items":1283,"id":1284,"slice_type":112,"slice_label":8},{"text":1237},[1238,1241,1244,1247,1250,1253,1256,1259,1262,1265,1268,1271,1274,1277,1280],{"type":78,"text":1239,"spans":1240,"direction":28},"13. FAQ",[],{"type":360,"text":1242,"spans":1243,"direction":28},"Q1: Is SORA the same as SIBOR?",[],{"type":59,"text":1245,"spans":1246,"direction":28},"No. SORA is based on overnight interbank transactions (volume-weighted average of actual deals). SIBOR was based on surveyed offer rates from a panel of banks. SORA is more robust and is the sole SGD home loan benchmark since December 2024.",[],{"type":360,"text":1248,"spans":1249,"direction":28},"Q2: How often does my floating-rate payment change?",[],{"type":59,"text":1251,"spans":1252,"direction":28},"Most SORA-pegged packages reset every 3 months (matching the 3M compounded SORA cadence). Some reset monthly. Check your loan contract for the reset frequency.",[],{"type":360,"text":1254,"spans":1255,"direction":28},"Q3: Can I switch from fixed to floating mid-loan?",[],{"type":59,"text":1257,"spans":1258,"direction":28},"Yes, but typically only after your lock-in period ends. Most banks offer free conversion to floating at reversion. Switching during lock-in triggers the 1.5 per cent penalty unless your bank waives it under a free-conversion clause.",[],{"type":360,"text":1260,"spans":1261,"direction":28},"Q4: Is fixed always more expensive than floating?",[],{"type":59,"text":1263,"spans":1264,"direction":28},"Not always. In rising-rate cycles, fixed packages can sit below current floating because they are priced before the next hike. The fixed-floating gap reflects market expectations, not a permanent premium.",[],{"type":360,"text":1266,"spans":1267,"direction":28},"Q5: What is a no-lock-in floating package?",[],{"type":59,"text":1269,"spans":1270,"direction":28},"Some banks offer SORA-pegged packages with zero lock-in: you can refinance or sell any time with no early-redemption penalty. These typically have slightly higher spreads (e.g. SORA + 0.85% vs SORA + 0.70%) but maximum flexibility.",[],{"type":360,"text":1272,"spans":1273,"direction":28},"Q6: Does fixed rate protect me from MAS rate hikes?",[],{"type":59,"text":1275,"spans":1276,"direction":28},"Yes for the duration of your fixed period. If SORA jumps 1 per cent during a year-2 of your 3-year fixed, your payment does not change. At reversion (year 4+), the new SORA-based rate applies.",[],{"type":360,"text":1278,"spans":1279,"direction":28},"Q7: Should I take 5-year fixed if I think rates will rise?",[],{"type":59,"text":1281,"spans":1282,"direction":28},"Possibly, but consider: (1) the 5-year fixed rate is typically 20-30 basis points above 2-year fixed, (2) lock-in penalty over 5 years is substantial if you need to sell, (3) markets often price hikes in already. Run the total-cost math for your specific package.",[],[],"text$ccfb9d03-6321-4777-97e6-79c6882c9368",{"primary":1286,"items":1287,"id":1288,"slice_type":117,"slice_label":8},{},[],"divider$805af3e6-bf4f-420a-9910-c835d5bc2f64",{"primary":1290,"items":1322,"id":1323,"slice_type":112,"slice_label":8},{"text":1291},[1292,1295,1301,1307,1314],{"type":78,"text":1293,"spans":1294,"direction":28},"Related guides",[],{"type":59,"text":1296,"spans":1297,"direction":28},"For the upstream HDB-loan-vs-bank-loan decision (whether you should even be on a bank loan in the first place), see the HDB Loan vs Bank Loan 2026 Singapore guide.",[1298],{"start":487,"end":1299,"type":129,"data":1300},162,{"link_type":131,"url":1228,"target":133},{"type":59,"text":1302,"spans":1303,"direction":28},"For the timing and math of switching banks after your lock-in ends, see the Refinancing Home Loan Singapore 2026 guide.",[1304],{"start":423,"end":1305,"type":129,"data":1306},118,{"link_type":131,"url":913,"target":133},{"type":59,"text":1308,"spans":1309,"direction":28},"For how CPF OA flows into mortgage payments and why OA shielding matters at 55, see the CPF Shielding 2026 Singapore guide.",[1310],{"start":1311,"end":489,"type":129,"data":1312},88,{"link_type":131,"url":1313,"target":133},"https://divedeals.sg/blog/cpf-shielding-singapore",{"type":59,"text":1315,"spans":1316,"direction":28},"For where your downpayment cash should sit before purchase, see the Best Savings Account Singapore 2026 pillar.",[1317],{"start":1318,"end":1319,"type":129,"data":1320},68,110,{"link_type":131,"url":1321,"target":133},"https://divedeals.sg/blog/best-savings-account-singapore",[],"text$0cde076c-b11c-4b67-a7db-7b0b09cc718b",{"id":1325,"uid":1326,"url":8,"type":9,"href":1327,"tags":1328,"first_publication_date":1330,"last_publication_date":1331,"slugs":1332,"linked_documents":1334,"lang":20,"alternate_languages":1335,"data":1336},"agl0bxAAAHWye7H-","refinancing-home-loan-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22agl0bxAAAHWye7H-%22%29+%5D%5D",[12,13,1329],"refinancing","2026-05-17T08:28:07+0000","2026-05-17T08:28:19+0000",[1333],"refinancing-home-loan-singapore-2026-when-it-pays-back",[],[],{"title":1337,"seo_title":1341,"seo_meta_description":1344,"featured":36,"expired":36,"noindex":36,"cover_image":1348,"date":48,"author_link":1354,"body":1364},[1338],{"type":25,"text":1339,"spans":1340,"direction":28},"Refinancing Home Loan Singapore 2026: When It Pays Back",[],[1342],{"type":25,"text":1339,"spans":1343,"direction":28},[],[1345],{"type":25,"text":1346,"spans":1347,"direction":28},"Refinancing home loan Singapore 2026: when switching banks pays back, lock-in penalty math, cashback offset, and the full 6-week step-by-step process.",[],{"dimensions":1349,"alt":1350,"copyright":8,"url":1351,"id":1352,"edit":1353},{"width":39,"height":40},"Refinancing Home Loan Singapore","https://images.prismic.io/dive/agl7yqYofJOwHTE5_brian-babb-XbwHrt87mQ0-unsplash.jpg?auto=format,compress","agl7yqYofJOwHTE5",{"x":45,"y":45,"zoom":46,"background":47},{"id":50,"type":51,"tags":1355,"lang":20,"slug":53,"first_publication_date":54,"last_publication_date":55,"data":1356,"link_type":71,"key":1363,"isBroken":36},[],{"name":1357,"picture":1360},[1358],{"type":59,"text":60,"spans":1359},[],{"dimensions":1361,"alt":8,"copyright":8,"url":65,"id":66,"edit":1362},{"width":64,"height":64},{"x":45,"y":68,"zoom":69,"background":70},"6f8ead8a-ea66-41cc-9195-bfa2726888d1",[1365,1396,1400,1482,1486,1493,1617,1621,1671,1675,1733,1737,1747,1860,1872,1876,1921,1925,1935,1997,2010,2014,2081,2085,2160,2164,2216,2220,2271,2275,2312,2316,2365,2369],{"primary":1366,"items":1394,"id":1395,"slice_type":112,"slice_label":8},{"text":1367},[1368,1371,1375,1388,1391],{"type":78,"text":1369,"spans":1370,"direction":28},"Refinancing home loan 2026: the short answer",[],{"type":59,"text":1372,"spans":1373,"direction":28},"Refinancing means moving your home loan from one bank to another to secure a lower interest rate or better terms. ",[1374],{"start":105,"end":679,"type":95},{"type":59,"text":1376,"spans":1377,"direction":28},"The math typically pays back if (1) you are past your current lock-in period, (2) the new rate is at least 0.3 to 0.5 per cent lower, and (3) your outstanding loan balance is at least S$200,000. On a S$400,000 balance with a 0.5 per cent rate drop, you save roughly S$2,000 per year, payback in year 2 after factoring fees.",[1378,1379,1382,1385],{"start":193,"end":423,"type":95},{"start":1380,"end":1381,"type":95},82,132,{"start":1383,"end":1384,"type":95},147,193,{"start":1386,"end":1387,"type":95},284,322,{"type":59,"text":1389,"spans":1390,"direction":28},"If you are still inside your lock-in period, the 1.5 per cent early-redemption penalty almost always exceeds the rate savings; wait until lock-in ends. ",[],{"type":59,"text":1392,"spans":1393,"direction":28},"The cheaper alternative inside lock-in is repricing (switching packages within the same bank) which typically has a smaller fee (S$500-800) but limits you to the same bank's offers.",[],[],"text$ce653a2a-a19b-4aa0-a6d7-24f5c96e22b9",{"primary":1397,"items":1398,"id":1399,"slice_type":117,"slice_label":8},{},[],"divider$f996ca1a-12f4-482f-b0b9-0745a3fa5ce2",{"primary":1401,"items":1480,"id":1481,"slice_type":112,"slice_label":8},{"text":1402},[1403,1405,1412,1418,1425,1431,1437,1443,1449,1456,1463,1469,1476],{"type":78,"text":122,"spans":1404,"direction":28},[],{"type":59,"text":1406,"spans":1407,"direction":28},"1. Quick answer: should you refinance in 2026?",[1408],{"start":45,"end":1409,"type":129,"data":1410},46,{"link_type":131,"url":1411,"target":133},"#1-quick-answer-should-you-refinance-in-2026-",{"type":59,"text":1413,"spans":1414,"direction":28},"2. Refinancing vs repricing: the two paths",[1415],{"start":45,"end":128,"type":129,"data":1416},{"link_type":131,"url":1417,"target":133},"#2-refinancing-vs-repricing-the-two-paths",{"type":59,"text":1419,"spans":1420,"direction":28},"3. The rate-gap rules of thumb",[1421],{"start":45,"end":1422,"type":129,"data":1423},30,{"link_type":131,"url":1424,"target":133},"#3-the-rate-gap-rules-of-thumb",{"type":59,"text":1426,"spans":1427,"direction":28},"4. Total refinancing fees: what it costs",[1428],{"start":45,"end":760,"type":129,"data":1429},{"link_type":131,"url":1430,"target":133},"#4-total-refinancing-fees-what-it-costs",{"type":59,"text":1432,"spans":1433,"direction":28},"5. Cashback and legal subsidy: what banks pay you",[1434],{"start":45,"end":871,"type":129,"data":1435},{"link_type":131,"url":1436,"target":133},"#5-cashback-and-legal-subsidy-what-banks-pay-you",{"type":59,"text":1438,"spans":1439,"direction":28},"6. Lock-in penalty math: when staying put is cheaper",[1440],{"start":45,"end":145,"type":129,"data":1441},{"link_type":131,"url":1442,"target":133},"#6-lock-in-penalty-math-when-staying-put-is-cheaper",{"type":59,"text":1444,"spans":1445,"direction":28},"7. The break-even calculation step-by-step",[1446],{"start":45,"end":128,"type":129,"data":1447},{"link_type":131,"url":1448,"target":133},"#7-the-break-even-calculation-step-by-step",{"type":59,"text":1450,"spans":1451,"direction":28},"8. The 6-week refinancing process",[1452],{"start":45,"end":1453,"type":129,"data":1454},33,{"link_type":131,"url":1455,"target":133},"#8-the-6-week-refinancing-process",{"type":59,"text":1457,"spans":1458,"direction":28},"9. Repricing within the same bank: when this is better",[1459],{"start":45,"end":1460,"type":129,"data":1461},54,{"link_type":131,"url":1462,"target":133},"#9-repricing-within-the-same-bank-when-this-is-better",{"type":59,"text":1464,"spans":1465,"direction":28},"10. Refinancing from HDB loan to bank loan",[1466],{"start":45,"end":128,"type":129,"data":1467},{"link_type":131,"url":1468,"target":133},"#10-refinancing-from-hdb-loan-to-bank-loan",{"type":59,"text":1470,"spans":1471,"direction":28},"11. When NOT to refinance",[1472],{"start":45,"end":1473,"type":129,"data":1474},25,{"link_type":131,"url":1475,"target":133},"#11-when-not-to-refinance",{"type":59,"text":204,"spans":1477,"direction":28},[1478],{"start":45,"end":207,"type":129,"data":1479},{"link_type":131,"url":209,"target":133},[],"text$ebb52f57-e5fe-4b4c-9620-1e3a917366eb",{"primary":1483,"items":1484,"id":1485,"slice_type":117,"slice_label":8},{},[],"divider$3a6db225-b926-46b3-83b4-34963672907a",{"primary":1487,"items":1491,"id":1492,"slice_type":112,"slice_label":8},{"text":1488},[1489],{"type":78,"text":1406,"spans":1490,"direction":28},[],[],"text$21e12002-d103-44ac-843f-2430b8391456",{"primary":1494,"items":1496,"id":1616,"slice_type":337,"slice_label":8},{"table_title":1495},[],[1497,1513,1526,1538,1551,1564,1577,1590,1603],{"col1":1498,"col2":1503,"col3":1509},[1499],{"type":59,"text":1500,"spans":1501,"direction":28},"Your situation",[1502],{"start":45,"end":782,"type":95},[1504],{"type":59,"text":1505,"spans":1506,"direction":28},"Action",[1507],{"start":45,"end":1508,"type":95},6,[1510],{"type":59,"text":241,"spans":1511,"direction":28},[1512],{"start":45,"end":244,"type":95},{"col1":1514,"col2":1518,"col3":1522},[1515],{"type":59,"text":1516,"spans":1517,"direction":28},"Past lock-in, rate gap 0.5%+, loan S$300k+",[],[1519],{"type":59,"text":1520,"spans":1521,"direction":28},"Refinance",[],[1523],{"type":59,"text":1524,"spans":1525,"direction":28},"Payback in 12-18 months",[],{"col1":1527,"col2":1531,"col3":1534},[1528],{"type":59,"text":1529,"spans":1530,"direction":28},"Past lock-in, rate gap 0.3-0.5%, loan S$200k+",[],[1532],{"type":59,"text":1520,"spans":1533,"direction":28},[],[1535],{"type":59,"text":1536,"spans":1537,"direction":28},"Payback in 18-24 months",[],{"col1":1539,"col2":1543,"col3":1547},[1540],{"type":59,"text":1541,"spans":1542,"direction":28},"Past lock-in, rate gap under 0.3%",[],[1544],{"type":59,"text":1545,"spans":1546,"direction":28},"Reprice (same bank)",[],[1548],{"type":59,"text":1549,"spans":1550,"direction":28},"Smaller fees make sense",[],{"col1":1552,"col2":1556,"col3":1560},[1553],{"type":59,"text":1554,"spans":1555,"direction":28},"Inside lock-in, big rate drop available",[],[1557],{"type":59,"text":1558,"spans":1559,"direction":28},"Reprice or wait",[],[1561],{"type":59,"text":1562,"spans":1563,"direction":28},"Avoid 1.5% redemption penalty",[],{"col1":1565,"col2":1569,"col3":1573},[1566],{"type":59,"text":1567,"spans":1568,"direction":28},"Loan balance under S$200k",[],[1570],{"type":59,"text":1571,"spans":1572,"direction":28},"Reprice or skip",[],[1574],{"type":59,"text":1575,"spans":1576,"direction":28},"Legal fees eat the savings",[],{"col1":1578,"col2":1582,"col3":1586},[1579],{"type":59,"text":1580,"spans":1581,"direction":28},"Less than 5 years left on loan",[],[1583],{"type":59,"text":1584,"spans":1585,"direction":28},"Skip refinancing",[],[1587],{"type":59,"text":1588,"spans":1589,"direction":28},"Not enough time to recover fees",[],{"col1":1591,"col2":1595,"col3":1599},[1592],{"type":59,"text":1593,"spans":1594,"direction":28},"HDB concessionary loan, rates rose",[],[1596],{"type":59,"text":1597,"spans":1598,"direction":28},"Stay on HDB loan",[],[1600],{"type":59,"text":1601,"spans":1602,"direction":28},"HDB rate stays at 2.6%",[],{"col1":1604,"col2":1608,"col3":1612},[1605],{"type":59,"text":1606,"spans":1607,"direction":28},"HDB loan, bank rates much lower",[],[1609],{"type":59,"text":1610,"spans":1611,"direction":28},"Consider switching (one-way)",[],[1613],{"type":59,"text":1614,"spans":1615,"direction":28},"Cannot return to HDB loan",[],"table3$acf27ca5-c378-4067-8785-cbfa86887aeb",{"primary":1618,"items":1619,"id":1620,"slice_type":117,"slice_label":8},{},[],"divider$2c1b59b7-6557-4e7d-a22e-240bf2d674e4",{"primary":1622,"items":1669,"id":1670,"slice_type":112,"slice_label":8},{"text":1623},[1624,1626,1633,1636,1639,1642,1645,1648,1651,1654,1657,1660,1663,1666],{"type":78,"text":1413,"spans":1625,"direction":28},[],{"type":59,"text":1627,"spans":1628,"direction":28},"Two distinct paths exist when you want a lower rate on your current loan: refinancing (switch to another bank entirely) or repricing (stay with the same bank and switch packages). They have different fee structures, paperwork, and timing.",[1629,1630],{"start":421,"end":874,"type":95},{"start":1631,"end":1632,"type":95},123,178,{"type":360,"text":1634,"spans":1635,"direction":28},"Refinancing: switching banks",[],{"type":364,"text":1637,"spans":1638,"direction":28},"Legal fees: S$2,500 to S$3,500 (often subsidised by new bank cashback)",[],{"type":364,"text":1640,"spans":1641,"direction":28},"Valuation report: S$500 to S$700 (sometimes refunded)",[],{"type":364,"text":1643,"spans":1644,"direction":28},"Early redemption penalty if inside lock-in: 1.5 per cent of outstanding balance",[],{"type":364,"text":1646,"spans":1647,"direction":28},"Process takes 4 to 6 weeks (new bank credit assessment + legal handover)",[],{"type":364,"text":1649,"spans":1650,"direction":28},"Access to all banks competing for your loan",[],{"type":360,"text":1652,"spans":1653,"direction":28},"Repricing: same bank, new package",[],{"type":364,"text":1655,"spans":1656,"direction":28},"Admin fee: S$500 to S$800 (no legal handover)",[],{"type":364,"text":1658,"spans":1659,"direction":28},"Process takes 1 to 2 weeks",[],{"type":364,"text":1661,"spans":1662,"direction":28},"Limited to the same bank's current package offerings",[],{"type":364,"text":1664,"spans":1665,"direction":28},"Easier paperwork; no new credit assessment required",[],{"type":364,"text":1667,"spans":1668,"direction":28},"Some banks allow free conversion to floating after fixed lock-in ends",[],[],"text$250011e0-671a-42de-b286-16de6c284591",{"primary":1672,"items":1673,"id":1674,"slice_type":117,"slice_label":8},{},[],"divider$54e223fa-36a6-4020-9584-b158a2be96f2",{"primary":1676,"items":1731,"id":1732,"slice_type":112,"slice_label":8},{"text":1677},[1678,1680,1683,1686,1689,1692,1695,1698,1701,1704,1707,1710,1713,1716,1719,1722,1725,1728],{"type":78,"text":1419,"spans":1679,"direction":28},[],{"type":59,"text":1681,"spans":1682,"direction":28},"Quick rules of thumb for when refinancing makes financial sense based on the rate differential between your current loan and a potential new package.",[],{"type":360,"text":1684,"spans":1685,"direction":28},"Rate gap 1.0 per cent or more",[],{"type":364,"text":1687,"spans":1688,"direction":28},"Refinance immediately even with lock-in penalty in some cases",[],{"type":364,"text":1690,"spans":1691,"direction":28},"Typical when rates have moved sharply (2022 to 2025 had this scale of move)",[],{"type":364,"text":1693,"spans":1694,"direction":28},"Payback often within 6-12 months",[],{"type":360,"text":1696,"spans":1697,"direction":28},"Rate gap 0.5 to 1.0 per cent",[],{"type":364,"text":1699,"spans":1700,"direction":28},"Refinance if you are past lock-in",[],{"type":364,"text":1702,"spans":1703,"direction":28},"Payback typically 12 to 18 months",[],{"type":364,"text":1705,"spans":1706,"direction":28},"Standard win condition for most refinancing situations",[],{"type":360,"text":1708,"spans":1709,"direction":28},"Rate gap 0.3 to 0.5 per cent",[],{"type":364,"text":1711,"spans":1712,"direction":28},"Refinance only if loan balance is S$300,000+ and tenure is 10+ years remaining",[],{"type":364,"text":1714,"spans":1715,"direction":28},"Payback 18 to 24 months",[],{"type":364,"text":1717,"spans":1718,"direction":28},"Consider repricing first (lower fees, shorter payback)",[],{"type":360,"text":1720,"spans":1721,"direction":28},"Rate gap under 0.3 per cent",[],{"type":364,"text":1723,"spans":1724,"direction":28},"Skip refinancing; the legal fees + valuation eat the savings",[],{"type":364,"text":1726,"spans":1727,"direction":28},"Reprice within current bank if even that pencils out",[],{"type":364,"text":1729,"spans":1730,"direction":28},"Stay on current package; revisit in 6-12 months if rates move",[],[],"text$c65d583b-232f-4cb0-8603-e28445033d09",{"primary":1734,"items":1735,"id":1736,"slice_type":117,"slice_label":8},{},[],"divider$4d748862-8b90-4983-a038-78501280cb19",{"primary":1738,"items":1745,"id":1746,"slice_type":112,"slice_label":8},{"text":1739},[1740,1742],{"type":78,"text":1426,"spans":1741,"direction":28},[],{"type":59,"text":1743,"spans":1744,"direction":28},"Refinancing has several distinct fee buckets. Knowing the total cost is critical to running the break-even math.",[],[],"text$d59c85b1-cf14-494f-8509-43ceddbdf5c6",{"primary":1748,"items":1750,"id":1859,"slice_type":337,"slice_label":8},{"table_title":1749},[],[1751,1768,1781,1794,1807,1820,1833,1846],{"col1":1752,"col2":1757,"col3":1762},[1753],{"type":59,"text":1754,"spans":1755,"direction":28},"Fee type",[1756],{"start":45,"end":238,"type":95},[1758],{"type":59,"text":1759,"spans":1760,"direction":28},"Amount",[1761],{"start":45,"end":1508,"type":95},[1763],{"type":59,"text":1764,"spans":1765,"direction":28},"Notes",[1766],{"start":45,"end":1767,"type":95},5,{"col1":1769,"col2":1773,"col3":1777},[1770],{"type":59,"text":1771,"spans":1772,"direction":28},"Legal fees (conveyancing)",[],[1774],{"type":59,"text":1775,"spans":1776,"direction":28},"S$2,500 to S$3,500",[],[1778],{"type":59,"text":1779,"spans":1780,"direction":28},"Often covered by new bank cashback",[],{"col1":1782,"col2":1786,"col3":1790},[1783],{"type":59,"text":1784,"spans":1785,"direction":28},"Property valuation report",[],[1787],{"type":59,"text":1788,"spans":1789,"direction":28},"S$500 to S$700",[],[1791],{"type":59,"text":1792,"spans":1793,"direction":28},"Some banks waive or reimburse",[],{"col1":1795,"col2":1799,"col3":1803},[1796],{"type":59,"text":1797,"spans":1798,"direction":28},"CPF refund/transfer fee",[],[1800],{"type":59,"text":1801,"spans":1802,"direction":28},"S$25 to S$50",[],[1804],{"type":59,"text":1805,"spans":1806,"direction":28},"Minor admin",[],{"col1":1808,"col2":1812,"col3":1816},[1809],{"type":59,"text":1810,"spans":1811,"direction":28},"Insurance assignment fee",[],[1813],{"type":59,"text":1814,"spans":1815,"direction":28},"S$0 to S$100",[],[1817],{"type":59,"text":1818,"spans":1819,"direction":28},"If your mortgage insurance reassigns",[],{"col1":1821,"col2":1825,"col3":1829},[1822],{"type":59,"text":1823,"spans":1824,"direction":28},"Early redemption penalty (if inside lock-in)",[],[1826],{"type":59,"text":1827,"spans":1828,"direction":28},"1.5% of outstanding balance",[],[1830],{"type":59,"text":1831,"spans":1832,"direction":28},"Only inside lock-in period",[],{"col1":1834,"col2":1838,"col3":1842},[1835],{"type":59,"text":1836,"spans":1837,"direction":28},"Partial repayment penalty (already paid down)",[],[1839],{"type":59,"text":1840,"spans":1841,"direction":28},"~1.5% of overpayment",[],[1843],{"type":59,"text":1844,"spans":1845,"direction":28},"If you paid extra inside lock-in",[],{"col1":1847,"col2":1851,"col3":1855},[1848],{"type":59,"text":1849,"spans":1850,"direction":28},"Subsidy clawback (from prior bank)",[],[1852],{"type":59,"text":1853,"spans":1854,"direction":28},"Up to S$3,000",[],[1856],{"type":59,"text":1857,"spans":1858,"direction":28},"If you took prior cashback and switch within 3 years",[],"table3$6ea75550-5997-487a-8504-d4abd2727048",{"primary":1861,"items":1870,"id":1871,"slice_type":112,"slice_label":8},{"text":1862},[1863],{"type":59,"text":1864,"spans":1865,"direction":28},"Total typical refinancing cost: S$3,000 to S$4,500 in fees, of which S$2,000 to S$3,500 is offset by new bank cashback. Net out-of-pocket is often S$500 to S$1,500. Inside lock-in, add 1.5 per cent of your outstanding balance.",[1866,1867,1868],{"start":45,"end":1422,"type":95},{"start":869,"end":1305,"type":95},{"start":487,"end":1869,"type":95},163,[],"text$8b9f9bee-e9a2-4921-aceb-20fde7d915f8",{"primary":1873,"items":1874,"id":1875,"slice_type":117,"slice_label":8},{},[],"divider$252871c6-9136-4616-b9a7-15c080380a1e",{"primary":1877,"items":1919,"id":1920,"slice_type":112,"slice_label":8},{"text":1878},[1879,1881,1888,1891,1894,1897,1900,1903,1906,1909,1912],{"type":78,"text":1432,"spans":1880,"direction":28},[],{"type":59,"text":1882,"spans":1883,"direction":28},"Banks compete aggressively for refinancing business and offer cashback or legal subsidies of S$1,500 to S$3,500 to switch to them. This subsidy is what makes refinancing economically attractive even for modest rate gaps.",[1884,1885],{"start":45,"end":186,"type":95},{"start":1886,"end":1887,"type":95},62,111,{"type":360,"text":1889,"spans":1890,"direction":28},"Typical cashback packages (mid-2026)",[],{"type":364,"text":1892,"spans":1893,"direction":28},"DBS: S$2,000 cashback for loans S$500,000+ with 3-year minimum hold",[],{"type":364,"text":1895,"spans":1896,"direction":28},"OCBC: S$2,500 legal subsidy + S$500 valuation reimbursement",[],{"type":364,"text":1898,"spans":1899,"direction":28},"UOB: S$2,500 to S$3,000 depending on package and loan size",[],{"type":364,"text":1901,"spans":1902,"direction":28},"Maybank: S$2,000 cashback plus S$700 valuation reimbursement",[],{"type":364,"text":1904,"spans":1905,"direction":28},"Standard Chartered: S$2,500 legal subsidy on loans S$400,000+",[],{"type":364,"text":1907,"spans":1908,"direction":28},"HSBC: S$3,000 cashback for loans S$1,000,000+",[],{"type":360,"text":1910,"spans":1911,"direction":28},"The clawback clause to watch for",[],{"type":59,"text":1913,"spans":1914,"direction":28},"Most cashback packages include a 3-year clawback clause: if you sell, refinance, or fully redeem within 3 years of taking the cashback, you must return the full subsidy. This is separate from the lock-in penalty (and usually overlaps with it). Read the package terms before signing.",[1915,1916],{"start":1453,"end":106,"type":95},{"start":1917,"end":1918,"type":95},136,168,[],"text$49f040e8-428b-4d5d-ac21-228ad0333374",{"primary":1922,"items":1923,"id":1924,"slice_type":117,"slice_label":8},{},[],"divider$3dc36f4e-220b-4b24-b070-40791c15cf4b",{"primary":1926,"items":1933,"id":1934,"slice_type":112,"slice_label":8},{"text":1927},[1928,1930],{"type":78,"text":1438,"spans":1929,"direction":28},[],{"type":59,"text":1931,"spans":1932,"direction":28},"If your existing loan is inside its lock-in period, refinancing triggers an early redemption penalty of approximately 1.5 per cent of the outstanding loan amount. On a S$500,000 loan that is S$7,500. Refinancing only makes sense if the rate savings clearly exceed this penalty within your remaining tenure.",[],[],"text$e3fbbca5-e839-4dd2-846e-725336189a78",{"primary":1936,"items":1938,"id":1996,"slice_type":337,"slice_label":8},{"table_title":1937},[],[1939,1955,1966,1976,1986],{"col1":1940,"col2":1945,"col3":1950},[1941],{"type":59,"text":1942,"spans":1943,"direction":28},"Outstanding balance",[1944],{"start":45,"end":1087,"type":95},[1946],{"type":59,"text":1947,"spans":1948,"direction":28},"Lock-in penalty (1.5%)",[1949],{"start":45,"end":567,"type":95},[1951],{"type":59,"text":1952,"spans":1953,"direction":28},"Years to recover via 0.5% rate drop",[1954],{"start":45,"end":138,"type":95},{"col1":1956,"col2":1959,"col3":1962},[1957],{"type":59,"text":792,"spans":1958,"direction":28},[],[1960],{"type":59,"text":796,"spans":1961,"direction":28},[],[1963],{"type":59,"text":1964,"spans":1965,"direction":28},"3.0 years",[],{"col1":1967,"col2":1970,"col3":1973},[1968],{"type":59,"text":805,"spans":1969,"direction":28},[],[1971],{"type":59,"text":809,"spans":1972,"direction":28},[],[1974],{"type":59,"text":1964,"spans":1975,"direction":28},[],{"col1":1977,"col2":1980,"col3":1983},[1978],{"type":59,"text":818,"spans":1979,"direction":28},[],[1981],{"type":59,"text":822,"spans":1982,"direction":28},[],[1984],{"type":59,"text":1964,"spans":1985,"direction":28},[],{"col1":1987,"col2":1990,"col3":1993},[1988],{"type":59,"text":831,"spans":1989,"direction":28},[],[1991],{"type":59,"text":835,"spans":1992,"direction":28},[],[1994],{"type":59,"text":1964,"spans":1995,"direction":28},[],"table3$9985e306-4f36-4dca-9e16-2834d38b68e6",{"primary":1998,"items":2008,"id":2009,"slice_type":112,"slice_label":8},{"text":1999},[2000],{"type":59,"text":2001,"spans":2002,"direction":28},"The penalty scales with loan size. The rule of thumb: at a 0.5 per cent rate drop, you need ~3 years of remaining loan tenure beyond the switch date to break even on the lock-in penalty alone. If your lock-in ends in less than 12 months, waiting is almost always cheaper.",[2003,2004,2006],{"start":484,"end":145,"type":95},{"start":2005,"end":1299,"type":95},83,{"start":1384,"end":2007,"type":95},270,[],"text$a2c0da90-aae5-4a24-b67e-0a82d1cb134e",{"primary":2011,"items":2012,"id":2013,"slice_type":117,"slice_label":8},{},[],"divider$6b6bdb3f-b10e-45af-b8cd-d03d640bde66",{"primary":2015,"items":2079,"id":2080,"slice_type":112,"slice_label":8},{"text":2016},[2017,2019,2022,2025,2028,2031,2034,2037,2040,2043,2046,2049,2052,2055,2058,2061,2064,2067,2070,2073,2076],{"type":78,"text":1444,"spans":2018,"direction":28},[],{"type":59,"text":2020,"spans":2021,"direction":28},"Step-by-step math to confirm whether refinancing pays back in your specific situation.",[],{"type":360,"text":2023,"spans":2024,"direction":28},"Step 1: Calculate annual rate savings",[],{"type":364,"text":2026,"spans":2027,"direction":28},"Outstanding loan balance: S$400,000",[],{"type":364,"text":2029,"spans":2030,"direction":28},"Current rate: 3.20%, new rate: 2.65% (gap 0.55%)",[],{"type":364,"text":2032,"spans":2033,"direction":28},"Annual savings approximation: S$400,000 x 0.55% = S$2,200",[],{"type":360,"text":2035,"spans":2036,"direction":28},"Step 2: Calculate net upfront cost",[],{"type":364,"text":2038,"spans":2039,"direction":28},"Legal fees + valuation: S$3,200",[],{"type":364,"text":2041,"spans":2042,"direction":28},"Less new bank cashback: -S$2,500",[],{"type":364,"text":2044,"spans":2045,"direction":28},"Net upfront: S$700",[],{"type":360,"text":2047,"spans":2048,"direction":28},"Step 3: Add lock-in penalty if inside lock-in",[],{"type":364,"text":2050,"spans":2051,"direction":28},"If past lock-in: S$0 penalty",[],{"type":364,"text":2053,"spans":2054,"direction":28},"If inside lock-in on S$400k: penalty = S$6,000",[],{"type":364,"text":2056,"spans":2057,"direction":28},"Net upfront for inside-lock-in case: S$700 + S$6,000 = S$6,700",[],{"type":360,"text":2059,"spans":2060,"direction":28},"Step 4: Calculate payback",[],{"type":364,"text":2062,"spans":2063,"direction":28},"Past lock-in case: S$700 / S$2,200 per year = ~4 months payback",[],{"type":364,"text":2065,"spans":2066,"direction":28},"Inside lock-in case: S$6,700 / S$2,200 per year = ~3 years payback",[],{"type":364,"text":2068,"spans":2069,"direction":28},"If your remaining loan tenure is at least 5 years past the switch, both cases pay back",[],{"type":360,"text":2071,"spans":2072,"direction":28},"Step 5: Total savings over remaining tenure",[],{"type":364,"text":2074,"spans":2075,"direction":28},"Remaining tenure 15 years: total savings ~S$33,000 (past lock-in) or ~S$26,300 (inside lock-in net of penalty)",[],{"type":364,"text":2077,"spans":2078,"direction":28},"Refinancing pencils out on this loan in both cases",[],[],"text$9f70bf18-dd56-4d99-90f5-dec1c1c0768a",{"primary":2082,"items":2083,"id":2084,"slice_type":117,"slice_label":8},{},[],"divider$1c846c25-57fc-44c2-be3c-e1f753c00d98",{"primary":2086,"items":2158,"id":2159,"slice_type":112,"slice_label":8},{"text":2087},[2088,2090,2098,2101,2104,2107,2110,2113,2116,2119,2122,2125,2128,2131,2134,2137,2140,2143,2146,2149,2152,2155],{"type":78,"text":1450,"spans":2089,"direction":28},[],{"type":59,"text":2091,"spans":2092,"direction":28},"The full refinancing process from initial enquiry to legal completion typically takes 4 to 6 weeks. Start your shopping process 2 to 3 months before your lock-in ends to align timing.",[2093,2096],{"start":2094,"end":2095,"type":95},86,98,{"start":64,"end":2097,"type":95},166,{"type":360,"text":2099,"spans":2100,"direction":28},"Week 1: Compare packages",[],{"type":364,"text":2102,"spans":2103,"direction":28},"Pull your current loan statement (outstanding balance, lock-in end date, current rate)",[],{"type":364,"text":2105,"spans":2106,"direction":28},"Request quotes from 3 to 5 banks (use mortgage brokers or direct bank channels)",[],{"type":364,"text":2108,"spans":2109,"direction":28},"Compare total package: rate, lock-in tenure, cashback, conversion clauses",[],{"type":360,"text":2111,"spans":2112,"direction":28},"Week 2-3: Submit application to new bank",[],{"type":364,"text":2114,"spans":2115,"direction":28},"Provide income documents (last 3 months payslips, CPF contribution statements)",[],{"type":364,"text":2117,"spans":2118,"direction":28},"Provide property documents (title deed, latest valuation, mortgage statement)",[],{"type":364,"text":2120,"spans":2121,"direction":28},"Bank conducts credit check and property valuation",[],{"type":360,"text":2123,"spans":2124,"direction":28},"Week 4: Letter of Offer",[],{"type":364,"text":2126,"spans":2127,"direction":28},"New bank issues Letter of Offer confirming approval, rate, and terms",[],{"type":364,"text":2129,"spans":2130,"direction":28},"Review carefully: lock-in tenure, prepayment terms, conversion clauses, cashback amount",[],{"type":364,"text":2132,"spans":2133,"direction":28},"Accept and sign within the validity window (usually 14 days)",[],{"type":360,"text":2135,"spans":2136,"direction":28},"Week 5: Notify current bank",[],{"type":364,"text":2138,"spans":2139,"direction":28},"Give your current bank notice of redemption (usually 1 month notice required)",[],{"type":364,"text":2141,"spans":2142,"direction":28},"Current bank confirms final redemption amount + any penalty owed",[],{"type":364,"text":2144,"spans":2145,"direction":28},"Engage a conveyancing lawyer (some banks have panel lawyers with fixed rates)",[],{"type":360,"text":2147,"spans":2148,"direction":28},"Week 6: Completion",[],{"type":364,"text":2150,"spans":2151,"direction":28},"Lawyer arranges for new loan disbursement to redeem old loan",[],{"type":364,"text":2153,"spans":2154,"direction":28},"CPF Board notified for any CPF OA refund handling",[],{"type":364,"text":2156,"spans":2157,"direction":28},"First payment on new loan begins next month",[],[],"text$a082f35e-01d8-4eb1-af23-1d6bd07e782a",{"primary":2161,"items":2162,"id":2163,"slice_type":117,"slice_label":8},{},[],"divider$61439e2f-be74-4e90-a7a7-a9b6f81bf778",{"primary":2165,"items":2214,"id":2215,"slice_type":112,"slice_label":8},{"text":2166},[2167,2169,2178,2181,2184,2187,2190,2193,2196,2199,2202,2205,2208,2211],{"type":78,"text":1457,"spans":2168,"direction":28},[],{"type":59,"text":2170,"spans":2171,"direction":28},"Repricing is the cheaper alternative when the rate gap is modest. You stay with your current bank but switch to a different package they currently offer. Typical admin fee is S$500 to S$800; no legal handover required.",[2172,2173,2175],{"start":45,"end":679,"type":95},{"start":681,"end":2174,"type":95},131,{"start":2176,"end":2177,"type":95},154,189,{"type":360,"text":2179,"spans":2180,"direction":28},"When repricing beats refinancing",[],{"type":364,"text":2182,"spans":2183,"direction":28},"Rate gap is under 0.5 per cent (savings small enough that legal fees matter)",[],{"type":364,"text":2185,"spans":2186,"direction":28},"You value speed: repricing completes in 1-2 weeks vs 4-6 weeks for refinancing",[],{"type":364,"text":2188,"spans":2189,"direction":28},"You are inside a cashback clawback period (would lose prior subsidy if switching)",[],{"type":364,"text":2191,"spans":2192,"direction":28},"Your current bank offers a package that matches market within 0.1 per cent",[],{"type":360,"text":2194,"spans":2195,"direction":28},"Limitations of repricing",[],{"type":364,"text":2197,"spans":2198,"direction":28},"Restricted to your current bank's current offers; cannot shop across banks",[],{"type":364,"text":2200,"spans":2201,"direction":28},"Many banks restrict repricing to once every 12-24 months",[],{"type":364,"text":2203,"spans":2204,"direction":28},"Repricing may trigger a new lock-in (read the new package terms)",[],{"type":364,"text":2206,"spans":2207,"direction":28},"No new-bank cashback to offset the S$500-800 admin fee",[],{"type":360,"text":2209,"spans":2210,"direction":28},"Hybrid play: reprice now, refinance later",[],{"type":59,"text":2212,"spans":2213,"direction":28},"If you are 6 to 12 months from lock-in end and rates are dropping, consider repricing within your current bank now (small fee, immediate savings), then refinance to another bank when lock-in ends (full cashback, full bank choice).",[],[],"text$780c3e62-e9cb-4b23-b15d-6ee7f92d3a43",{"primary":2217,"items":2218,"id":2219,"slice_type":117,"slice_label":8},{},[],"divider$bfc92e07-a7cb-4c55-8be0-2c8c76a61148",{"primary":2221,"items":2269,"id":2270,"slice_type":112,"slice_label":8},{"text":2222},[2223,2225,2232,2235,2238,2241,2244,2247,2250,2253,2256,2259,2262],{"type":78,"text":1464,"spans":2224,"direction":28},[],{"type":59,"text":2226,"spans":2227,"direction":28},"Switching from an HDB concessionary loan to a bank loan is allowed any time with no HDB-side penalty. The bank loan replaces the HDB loan entirely. This is a ONE-WAY decision: once you switch to bank loan, you cannot return to HDB loan later.",[2228,2229],{"start":45,"end":64,"type":95},{"start":2230,"end":2231,"type":95},158,241,{"type":360,"text":2233,"spans":2234,"direction":28},"When the switch pencils out",[],{"type":364,"text":2236,"spans":2237,"direction":28},"Bank rate is at least 0.5 per cent below the HDB 2.6 per cent (so under 2.1 per cent)",[],{"type":364,"text":2239,"spans":2240,"direction":28},"Your outstanding balance is at least S$300,000 (small loans do not justify the legal effort)",[],{"type":364,"text":2242,"spans":2243,"direction":28},"You have at least 10 years of tenure remaining (time to amortise the fees)",[],{"type":364,"text":2245,"spans":2246,"direction":28},"You are comfortable refinancing again every 2 to 3 years to lock new lows",[],{"type":360,"text":2248,"spans":2249,"direction":28},"When to stay on HDB loan",[],{"type":364,"text":2251,"spans":2252,"direction":28},"Bank rates are above or near 2.6 per cent (HDB loan is already competitive)",[],{"type":364,"text":2254,"spans":2255,"direction":28},"You value the no-lock-in, no-penalty flexibility of HDB loan",[],{"type":364,"text":2257,"spans":2258,"direction":28},"Your income is irregular and you cannot tolerate refinancing pressure",[],{"type":364,"text":2260,"spans":2261,"direction":28},"You are within 5 years of paying off the loan completely",[],{"type":59,"text":2263,"spans":2264,"direction":28},"For the full upstream HDB-vs-bank decision (including the LTV equalisation in 2024), see the HDB Loan vs Bank Loan 2026 Singapore guide.",[2265],{"start":2266,"end":2267,"type":129,"data":2268},93,135,{"link_type":131,"url":1228,"target":133},[],"text$e88166d2-c20b-4e37-9dcb-d4e1b089b591",{"primary":2272,"items":2273,"id":2274,"slice_type":117,"slice_label":8},{},[],"divider$344875a6-92d1-4de4-adae-5154ed3bb0cf",{"primary":2276,"items":2310,"id":2311,"slice_type":112,"slice_label":8},{"text":2277},[2278,2280,2283,2286,2289,2292,2295,2298,2301,2304,2307],{"type":78,"text":1470,"spans":2279,"direction":28},[],{"type":360,"text":2281,"spans":2282,"direction":28},"Outstanding loan balance under S$200,000",[],{"type":59,"text":2284,"spans":2285,"direction":28},"On a S$150,000 balance, a 0.5 per cent rate drop saves S$750 per year. Net of S$800 admin fees (repricing) or S$1,000+ net legal fees (refinancing), the payback is too long to be worth the effort.",[],{"type":360,"text":2287,"spans":2288,"direction":28},"Less than 5 years left on the loan",[],{"type":59,"text":2290,"spans":2291,"direction":28},"Refinancing has fixed upfront fees that need amortising over the remaining tenure. With 3 years left, even a 1 per cent rate drop only saves S$3,000-4,000 on most balances; legal fees eat too much of it.",[],{"type":360,"text":2293,"spans":2294,"direction":28},"You are inside a recent cashback clawback period",[],{"type":59,"text":2296,"spans":2297,"direction":28},"If you took a cashback within the last 3 years and refinance now, the prior bank claws back the full subsidy. Add that to the lock-in penalty and the math gets ugly fast.",[],{"type":360,"text":2299,"spans":2300,"direction":28},"Rate cycle near a clear bottom",[],{"type":59,"text":2302,"spans":2303,"direction":28},"If rates are at historic lows and the next move is more likely up than down, locking in a fixed package via refinancing makes sense. If rates are still falling, waiting for further drops can be cheaper than refinancing twice.",[],{"type":360,"text":2305,"spans":2306,"direction":28},"Your credit profile has weakened",[],{"type":59,"text":2308,"spans":2309,"direction":28},"Job change, business closure, or new debt may mean the new bank offers worse terms than your current package. If unsure, get a soft quote first before committing to the legal process.",[],[],"text$8a7bd9b9-b524-4b92-bcc1-1da2a5e7df7d",{"primary":2313,"items":2314,"id":2315,"slice_type":117,"slice_label":8},{},[],"divider$92f8f0b1-56be-423c-91f5-33af52613ca6",{"primary":2317,"items":2363,"id":2364,"slice_type":112,"slice_label":8},{"text":2318},[2319,2321,2324,2327,2330,2333,2336,2339,2342,2345,2348,2351,2354,2357,2360],{"type":78,"text":204,"spans":2320,"direction":28},[],{"type":360,"text":2322,"spans":2323,"direction":28},"Q1: How often can I refinance my home loan?",[],{"type":59,"text":2325,"spans":2326,"direction":28},"Technically every time your lock-in ends (usually every 2-5 years). Most savvy borrowers refinance or reprice every 2-3 years to capture the latest competitive packages. Watch the cashback clawback period to avoid clawback.",[],{"type":360,"text":2328,"spans":2329,"direction":28},"Q2: Is refinancing the same as remortgaging?",[],{"type":59,"text":2331,"spans":2332,"direction":28},"In Singapore terminology, yes. Refinancing means replacing your current loan with a new loan from a different bank, often at a different rate or with different terms.",[],{"type":360,"text":2334,"spans":2335,"direction":28},"Q3: Does my CPF OA usage change when I refinance?",[],{"type":59,"text":2337,"spans":2338,"direction":28},"Generally no. Your CPF OA portion stays with the property. When you sell, the CPF OA refund + accrued interest happens the same way regardless of which bank holds the loan.",[],{"type":360,"text":2340,"spans":2341,"direction":28},"Q4: How long does refinancing take from start to finish?",[],{"type":59,"text":2343,"spans":2344,"direction":28},"4 to 6 weeks. Start the process 2 to 3 months before your lock-in ends to align timing.",[],{"type":360,"text":2346,"spans":2347,"direction":28},"Q5: Can I refinance with a different lawyer than the bank panel?",[],{"type":59,"text":2349,"spans":2350,"direction":28},"Yes, but most cashback packages require you to use the bank's panel lawyers. Using your own lawyer typically forfeits the subsidy.",[],{"type":360,"text":2352,"spans":2353,"direction":28},"Q6: Should I refinance to a longer tenure to reduce monthly payment?",[],{"type":59,"text":2355,"spans":2356,"direction":28},"Possible but typically inefficient. Longer tenure means more total interest paid. Better to keep tenure constant and capture rate savings as faster equity build-up.",[],{"type":360,"text":2358,"spans":2359,"direction":28},"Q7: What is the difference between repricing and refinancing in terms of credit check?",[],{"type":59,"text":2361,"spans":2362,"direction":28},"Repricing typically requires no new credit check. Refinancing requires a full credit assessment by the new bank including income verification, TDSR/MSR checks, and property valuation.",[],[],"text$3d3a0411-5b5a-49a8-a44d-ac049df81404",{"primary":2366,"items":2367,"id":2368,"slice_type":117,"slice_label":8},{},[],"divider$cf466c39-4ab2-4d83-923c-7a06b652f847",{"primary":2370,"items":2399,"id":2400,"slice_type":112,"slice_label":8},{"text":2371},[2372,2374,2379,2387,2393],{"type":78,"text":1293,"spans":2373,"direction":28},[],{"type":59,"text":2375,"spans":2376,"direction":28},"For the upstream choice between HDB concessionary loan and bank loan (and why both are now at 75% LTV), see the HDB Loan vs Bank Loan 2026 Singapore guide.",[2377],{"start":872,"end":2176,"type":129,"data":2378},{"link_type":131,"url":1228,"target":133},{"type":59,"text":2380,"spans":2381,"direction":28},"For the rate-type choice (fixed vs SORA-pegged floating) once you have decided on a bank loan, see the Fixed vs Floating Home Loan 2026 Singapore guide.",[2382],{"start":2383,"end":2384,"type":129,"data":2385},103,151,{"link_type":131,"url":2386,"target":133},"https://divedeals.sg/blog/fixed-vs-floating-home-loan-singapore",{"type":59,"text":2388,"spans":2389,"direction":28},"For how CPF OA usage interacts with property and why OA shielding matters at 55, see the CPF Shielding 2026 Singapore guide.",[2390],{"start":2391,"end":1631,"type":129,"data":2392},89,{"link_type":131,"url":1313,"target":133},{"type":59,"text":2394,"spans":2395,"direction":28},"For where your cash buffer should sit between refinancing cycles, see the Best Savings Account Singapore 2026 pillar.",[2396],{"start":421,"end":2397,"type":129,"data":2398},116,{"link_type":131,"url":1321,"target":133},[],"text$db075a64-f987-456c-b6f1-b6dbe0f0cd4a",{"id":2402,"uid":2403,"url":8,"type":9,"href":2404,"tags":2405,"first_publication_date":2408,"last_publication_date":2408,"slugs":2409,"linked_documents":2411,"lang":20,"alternate_languages":2412,"data":2413},"agltZhAAAHWye6e0","hdb-loan-vs-bank-loan-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22agltZhAAAHWye6e0%22%29+%5D%5D",[2406,12,2407,13],"singapore","hdb","2026-05-17T07:33:09+0000",[2410],"hdb-loan-vs-bank-loan-2026-singapore-which-to-pick",[],[],{"title":2414,"seo_title":2418,"seo_meta_description":2421,"featured":36,"expired":36,"noindex":36,"cover_image":2425,"date":48,"author_link":2431,"body":2441},[2415],{"type":25,"text":2416,"spans":2417,"direction":28},"HDB Loan vs Bank Loan 2026 Singapore: Which to Pick?",[],[2419],{"type":25,"text":2416,"spans":2420,"direction":28},[],[2422],{"type":25,"text":2423,"spans":2424,"direction":28},"HDB loan vs bank loan Singapore 2026: 2.6% concessionary rate vs floating bank rate, the new 75% LTV cap, and which option fits your buyer profile.",[],{"dimensions":2426,"alt":2427,"copyright":8,"url":2428,"id":2429,"edit":2430},{"width":39,"height":40},"hdb loan vs bank loan singapore","https://images.prismic.io/dive/agluNaYofJOwHTES_jakub-zerdzicki--L2tUvJ80ho-unsplash.jpg?auto=format,compress","agluNaYofJOwHTES",{"x":45,"y":45,"zoom":46,"background":47},{"id":50,"type":51,"tags":2432,"lang":20,"slug":53,"first_publication_date":54,"last_publication_date":55,"data":2433,"link_type":71,"key":2440,"isBroken":36},[],{"name":2434,"picture":2437},[2435],{"type":59,"text":60,"spans":2436},[],{"dimensions":2438,"alt":8,"copyright":8,"url":65,"id":66,"edit":2439},{"width":64,"height":64},{"x":45,"y":68,"zoom":69,"background":70},"31b0a913-e55e-4af5-a6c9-3a869d494886",[2442,2470,2474,2552,2556,2563,2682,2686,2723,2727,2774,2778,2823,2827,2865,2869,2879,2999,3010,3014,3024,3120,3131,3135,3182,3186,3227,3231,3285,3289,3354,3358,3407,3411],{"primary":2443,"items":2468,"id":2469,"slice_type":112,"slice_label":8},{"text":2444},[2445,2448,2453,2456,2462],{"type":78,"text":2446,"spans":2447,"direction":28},"HDB loan vs bank loan 2026: the short answer",[],{"type":59,"text":2449,"spans":2450,"direction":28},"Both loans have the same 75 per cent Loan-to-Value (LTV) cap after the August 2024 cooling measure. ",[2451],{"start":1473,"end":2452,"type":95},60,{"type":59,"text":2454,"spans":2455,"direction":28},"The decision now comes down to three things: cash buffer, refinancing tolerance, and whether you value a fixed 2.6 per cent rate over potentially lower (but variable) bank rates.",[],{"type":59,"text":2457,"spans":2458,"direction":28},"Pick HDB loan if: limited cash savings (100 per cent CPF OA downpayment allowed), you want a fixed rate, you cannot stomach refinancing every 2-3 years, or your income is irregular. ",[2459,2460],{"start":45,"end":103,"type":95},{"start":760,"end":2461,"type":95},79,{"type":59,"text":2463,"spans":2464,"direction":28},"Pick bank loan if: you have at least 5 per cent cash for the down payment, you can shop and switch every 2-3 years for the lowest rate, and you want flexibility to refinance.",[2465,2466],{"start":45,"end":788,"type":95},{"start":2467,"end":352,"type":95},37,[],"text$6a8511fe-bd07-4bf7-86a3-f0c4073011bf",{"primary":2471,"items":2472,"id":2473,"slice_type":117,"slice_label":8},{},[],"divider$25ef72ba-98cf-452b-9cc2-0794b47ee194",{"primary":2475,"items":2550,"id":2551,"slice_type":112,"slice_label":8},{"text":2476},[2477,2479,2485,2492,2498,2505,2512,2518,2524,2530,2536,2542,2546],{"type":78,"text":122,"spans":2478,"direction":28},[],{"type":59,"text":2480,"spans":2481,"direction":28},"1. Quick answer: who picks which loan",[2482],{"start":45,"end":2467,"type":129,"data":2483},{"link_type":131,"url":2484,"target":133},"#1-quick-answer-who-picks-which-loan",{"type":59,"text":2486,"spans":2487,"direction":28},"2. The five deal-breaker differences in 60 seconds",[2488],{"start":45,"end":2489,"type":129,"data":2490},50,{"link_type":131,"url":2491,"target":133},"#2-the-five-deal-breaker-differences-in-60-seconds",{"type":59,"text":2493,"spans":2494,"direction":28},"3. HDB concessionary loan: what you get",[2495],{"start":45,"end":484,"type":129,"data":2496},{"link_type":131,"url":2497,"target":133},"#3-hdb-concessionary-loan-what-you-get",{"type":59,"text":2499,"spans":2500,"direction":28},"4. Bank loan: what you get",[2501],{"start":45,"end":2502,"type":129,"data":2503},26,{"link_type":131,"url":2504,"target":133},"#4-bank-loan-what-you-get",{"type":59,"text":2506,"spans":2507,"direction":28},"5. The Aug 2024 LTV change: both at 75% now",[2508],{"start":45,"end":2509,"type":129,"data":2510},43,{"link_type":131,"url":2511,"target":133},"#5-the-aug-2024-ltv-change-both-at-75-now",{"type":59,"text":2513,"spans":2514,"direction":28},"6. Downpayment math on a S$500,000 4-room BTO",[2515],{"start":45,"end":179,"type":129,"data":2516},{"link_type":131,"url":2517,"target":133},"#6-downpayment-math-on-a-s-500-000-4-room-bto",{"type":59,"text":2519,"spans":2520,"direction":28},"7. Monthly repayment math: 2.6% vs floating 2.8%",[2521],{"start":45,"end":158,"type":129,"data":2522},{"link_type":131,"url":2523,"target":133},"#7-monthly-repayment-math-2-6-vs-floating-2-8-",{"type":59,"text":2525,"spans":2526,"direction":28},"8. Refinancing flexibility and lock-in penalties",[2527],{"start":45,"end":158,"type":129,"data":2528},{"link_type":131,"url":2529,"target":133},"#8-refinancing-flexibility-and-lock-in-penalties",{"type":59,"text":2531,"spans":2532,"direction":28},"9. Income ceiling and eligibility rules",[2533],{"start":45,"end":484,"type":129,"data":2534},{"link_type":131,"url":2535,"target":133},"#9-income-ceiling-and-eligibility-rules",{"type":59,"text":2537,"spans":2538,"direction":28},"10. Home Protection Scheme vs Mortgage Reducing Term Assurance",[2539],{"start":45,"end":1886,"type":129,"data":2540},{"link_type":131,"url":2541,"target":133},"#10-home-protection-scheme-vs-mortgage-reducing-term-assurance",{"type":59,"text":197,"spans":2543,"direction":28},[2544],{"start":45,"end":200,"type":129,"data":2545},{"link_type":131,"url":202,"target":133},{"type":59,"text":204,"spans":2547,"direction":28},[2548],{"start":45,"end":207,"type":129,"data":2549},{"link_type":131,"url":209,"target":133},[],"text$ebed40c7-c3a2-41b7-9add-81fa16bdb727",{"primary":2553,"items":2554,"id":2555,"slice_type":117,"slice_label":8},{},[],"divider$c0ee9661-5afa-4224-81b5-dd375e9466c9",{"primary":2557,"items":2561,"id":2562,"slice_type":112,"slice_label":8},{"text":2558},[2559],{"type":78,"text":2480,"spans":2560,"direction":28},[],[],"text$8d679a6a-89ae-4563-a095-895785df9ce0",{"primary":2564,"items":2566,"id":2681,"slice_type":337,"slice_label":8},{"table_title":2565},[],[2567,2580,2593,2606,2618,2631,2643,2656,2669],{"col1":2568,"col2":2572,"col3":2576},[2569],{"type":59,"text":230,"spans":2570,"direction":28},[2571],{"start":45,"end":94,"type":95},[2573],{"type":59,"text":235,"spans":2574,"direction":28},[2575],{"start":45,"end":238,"type":95},[2577],{"type":59,"text":241,"spans":2578,"direction":28},[2579],{"start":45,"end":244,"type":95},{"col1":2581,"col2":2585,"col3":2589},[2582],{"type":59,"text":2583,"spans":2584,"direction":28},"First-time BTO buyer, salaried, limited cash",[],[2586],{"type":59,"text":2587,"spans":2588,"direction":28},"HDB loan",[],[2590],{"type":59,"text":2591,"spans":2592,"direction":28},"100% CPF OA downpayment + stable 2.6%",[],{"col1":2594,"col2":2598,"col3":2602},[2595],{"type":59,"text":2596,"spans":2597,"direction":28},"Resale HDB buyer with $50k+ cash",[],[2599],{"type":59,"text":2600,"spans":2601,"direction":28},"Bank loan",[],[2603],{"type":59,"text":2604,"spans":2605,"direction":28},"Lower rate beats HDB 2.6% in current cycle",[],{"col1":2607,"col2":2611,"col3":2614},[2608],{"type":59,"text":2609,"spans":2610,"direction":28},"Self-employed, irregular income",[],[2612],{"type":59,"text":2587,"spans":2613,"direction":28},[],[2615],{"type":59,"text":2616,"spans":2617,"direction":28},"No refinancing pressure, no rate shock risk",[],{"col1":2619,"col2":2623,"col3":2627},[2620],{"type":59,"text":2621,"spans":2622,"direction":28},"Buying private condo (EC, condo, landed)",[],[2624],{"type":59,"text":2625,"spans":2626,"direction":28},"Bank loan (only option)",[],[2628],{"type":59,"text":2629,"spans":2630,"direction":28},"HDB loan is for HDB flats only",[],{"col1":2632,"col2":2636,"col3":2639},[2633],{"type":59,"text":2634,"spans":2635,"direction":28},"High earner above S$14,000 ceiling",[],[2637],{"type":59,"text":2625,"spans":2638,"direction":28},[],[2640],{"type":59,"text":2641,"spans":2642,"direction":28},"HDB loan income ceiling excludes you",[],{"col1":2644,"col2":2648,"col3":2652},[2645],{"type":59,"text":2646,"spans":2647,"direction":28},"Plan to sell within 5 years",[],[2649],{"type":59,"text":2650,"spans":2651,"direction":28},"Bank loan with no lock-in",[],[2653],{"type":59,"text":2654,"spans":2655,"direction":28},"Avoid HDB loan early-payment friction",[],{"col1":2657,"col2":2661,"col3":2665},[2658],{"type":59,"text":2659,"spans":2660,"direction":28},"Want to invest the cash buffer",[],[2662],{"type":59,"text":2663,"spans":2664,"direction":28},"Bank loan + smaller downpayment",[],[2666],{"type":59,"text":2667,"spans":2668,"direction":28},"More liquid for SRS, ETFs, savings stack",[],{"col1":2670,"col2":2674,"col3":2677},[2671],{"type":59,"text":2672,"spans":2673,"direction":28},"Want set-and-forget for 25 years",[],[2675],{"type":59,"text":2587,"spans":2676,"direction":28},[],[2678],{"type":59,"text":2679,"spans":2680,"direction":28},"Same payment every month, no refinancing",[],"table3$7fe6fc2a-f510-4dfa-8f2a-d0a947ea842a",{"primary":2683,"items":2684,"id":2685,"slice_type":117,"slice_label":8},{},[],"divider$1159fc56-f1ac-44e9-b992-6757887a3580",{"primary":2687,"items":2721,"id":2722,"slice_type":112,"slice_label":8},{"text":2688},[2689,2691,2694,2697,2700,2703,2706,2709,2712,2715,2718],{"type":78,"text":2486,"spans":2690,"direction":28},[],{"type":360,"text":2692,"spans":2693,"direction":28},"1. Property type",[],{"type":59,"text":2695,"spans":2696,"direction":28},"HDB concessionary loan is for HDB flats only (BTO, resale HDB, executive condominiums NOT included). Bank loan works for HDB, EC, condo, and landed. If you are buying anything other than a pure HDB flat, only bank loan applies.",[],{"type":360,"text":2698,"spans":2699,"direction":28},"2. Loan-to-Value (LTV)",[],{"type":59,"text":2701,"spans":2702,"direction":28},"Both loans cap at 75 per cent LTV from August 2024 onwards. You fund the remaining 25 per cent yourself. The DIFFERENCE: HDB loan lets all 25 per cent come from CPF OA. Bank loan requires at least 5 per cent in CASH; the other 20 per cent can be CPF OA.",[],{"type":360,"text":2704,"spans":2705,"direction":28},"3. Interest rate structure",[],{"type":59,"text":2707,"spans":2708,"direction":28},"HDB concessionary rate is fixed at 2.6 per cent (CPF OA rate + 0.1 per cent floor). It has been 2.6 per cent since 2008. Bank loan rates float or fix in 2-5 year tranches; as of mid-2026 the market range is 2.5 to 3.5 per cent depending on package.",[],{"type":360,"text":2710,"spans":2711,"direction":28},"4. Refinancing penalty",[],{"type":59,"text":2713,"spans":2714,"direction":28},"HDB loan: no penalty for early repayment. You can pay down chunks any month with zero friction. Bank loan: lock-in period of 2 to 5 years; early redemption inside lock-in costs 1.5 per cent of the redemption amount.",[],{"type":360,"text":2716,"spans":2717,"direction":28},"5. Income ceiling",[],{"type":59,"text":2719,"spans":2720,"direction":28},"HDB loan: gross monthly household income capped at S$14,000 (S$21,000 for extended families). Bank loan: no income ceiling. High earners are forced into bank loan even for an HDB flat.",[],[],"text$85266269-0c51-404e-9b63-d8943d6efc8d",{"primary":2724,"items":2725,"id":2726,"slice_type":117,"slice_label":8},{},[],"divider$8ba9e62a-cc2a-45af-ab4e-df998c48b598",{"primary":2728,"items":2772,"id":2773,"slice_type":112,"slice_label":8},{"text":2729},[2730,2732,2739,2742,2745,2748,2751,2754,2757,2760,2763,2766,2769],{"type":78,"text":2493,"spans":2731,"direction":28},[],{"type":59,"text":2733,"spans":2734,"direction":28},"The HDB concessionary loan is a fixed-rate mortgage offered directly by HDB to eligible Singapore citizens buying an HDB flat. It is the default option for most BTO buyers because the eligibility rules are designed around standard first-flat profiles.",[2735,2737],{"start":869,"end":2736,"type":95},75,{"start":2461,"end":2738,"type":95},125,{"type":360,"text":2740,"spans":2741,"direction":28},"Eligibility checklist",[],{"type":364,"text":2743,"spans":2744,"direction":28},"At least one buyer is a Singapore citizen",[],{"type":364,"text":2746,"spans":2747,"direction":28},"Gross monthly household income up to S$14,000 (S$21,000 extended; S$7,000 for singles in a 2-room BTO)",[],{"type":364,"text":2749,"spans":2750,"direction":28},"No more than one previous HDB concessionary loan (two for upgraders meeting specific rules)",[],{"type":364,"text":2752,"spans":2753,"direction":28},"Have not owned or disposed of any private residential property in the 30 months before application",[],{"type":360,"text":2755,"spans":2756,"direction":28},"What you get",[],{"type":364,"text":2758,"spans":2759,"direction":28},"Fixed concessionary rate of 2.6 per cent (CPF OA floor + 0.1 per cent), stable since 2008",[],{"type":364,"text":2761,"spans":2762,"direction":28},"LTV up to 75 per cent (post-Aug-2024); 25 per cent downpayment can be 100 per cent CPF OA",[],{"type":364,"text":2764,"spans":2765,"direction":28},"Loan tenure up to 25 years for HDB flats, capped at retirement age of 65",[],{"type":364,"text":2767,"spans":2768,"direction":28},"No early-repayment penalty; partial prepayments allowed any time",[],{"type":364,"text":2770,"spans":2771,"direction":28},"Home Protection Scheme (HPS) mortgage insurance mandatory and auto-included",[],[],"text$aff0f7aa-77da-4548-980f-eb6d571eb841",{"primary":2775,"items":2776,"id":2777,"slice_type":117,"slice_label":8},{},[],"divider$a28030ee-d025-4de5-a4e2-417b4f665a18",{"primary":2779,"items":2821,"id":2822,"slice_type":112,"slice_label":8},{"text":2780},[2781,2783,2790,2792,2795,2798,2801,2804,2806,2809,2812,2815,2818],{"type":78,"text":2499,"spans":2782,"direction":28},[],{"type":59,"text":2784,"spans":2785,"direction":28},"A bank loan is a private mortgage offered by DBS, OCBC, UOB, Maybank, Standard Chartered, Citi and other lenders. Rates and packages compete openly. The advantage is rate optionality; the cost is administrative effort and rate-cycle exposure.",[2786,2787,2789],{"start":788,"end":1047,"type":95},{"start":2097,"end":2788,"type":95},182,{"start":1148,"end":2231,"type":95},{"type":360,"text":2740,"spans":2791,"direction":28},[],{"type":364,"text":2793,"spans":2794,"direction":28},"Open to citizens, PRs, and foreigners (some packages restricted)",[],{"type":364,"text":2796,"spans":2797,"direction":28},"Pass the Total Debt Servicing Ratio (TDSR) of 55 per cent of gross monthly income",[],{"type":364,"text":2799,"spans":2800,"direction":28},"Pass the Mortgage Servicing Ratio (MSR) of 30 per cent for HDB and EC purchases",[],{"type":364,"text":2802,"spans":2803,"direction":28},"No HDB income ceiling; property type: HDB, EC, condo, landed",[],{"type":360,"text":2755,"spans":2805,"direction":28},[],{"type":364,"text":2807,"spans":2808,"direction":28},"Choose fixed-rate (2-5 year fix) or floating-rate (SORA-pegged or board rate)",[],{"type":364,"text":2810,"spans":2811,"direction":28},"LTV up to 75 per cent; first 5 per cent of downpayment must be cash",[],{"type":364,"text":2813,"spans":2814,"direction":28},"Tenure up to 30 years for HDB / 35 years for private; capped at retirement age (65)",[],{"type":364,"text":2816,"spans":2817,"direction":28},"Lock-in 2-5 years; early redemption inside lock-in costs ~1.5 per cent",[],{"type":364,"text":2819,"spans":2820,"direction":28},"Mortgage insurance optional; cashback or legal subsidy promos worth S$1,000-3,000 at signing",[],[],"text$85dee888-dd3a-4591-ba03-9e4eac4f4636",{"primary":2824,"items":2825,"id":2826,"slice_type":117,"slice_label":8},{},[],"divider$456b2d4f-bec9-4388-ab2f-846ac5520cee",{"primary":2828,"items":2863,"id":2864,"slice_type":112,"slice_label":8},{"text":2829},[2830,2832,2842,2845,2848,2851,2854,2857,2860],{"type":78,"text":2506,"spans":2831,"direction":28},[],{"type":59,"text":2833,"spans":2834,"direction":28},"Before August 2024, the HDB loan offered an 80 per cent LTV against the bank loan's 75 per cent. That 5-point gap was the main selling point for cash-tight first-time buyers. The August 2024 cooling measure reduced HDB LTV from 80 to 75 per cent, matching the bank loan.",[2835,2837,2839],{"start":45,"end":2836,"type":95},95,{"start":2838,"end":357,"type":95},179,{"start":2840,"end":2841,"type":95},247,269,{"type":360,"text":2843,"spans":2844,"direction":28},"What changed for buyers",[],{"type":364,"text":2846,"spans":2847,"direction":28},"First-time HDB buyers now need 25 per cent downpayment regardless of loan choice (previously 20% with HDB loan)",[],{"type":364,"text":2849,"spans":2850,"direction":28},"On a S$500,000 BTO that is S$25,000 more downpayment than before",[],{"type":364,"text":2852,"spans":2853,"direction":28},"The remaining HDB-loan advantage: 100 per cent CPF OA permitted (bank loan still needs 5 per cent CASH)",[],{"type":364,"text":2855,"spans":2856,"direction":28},"Many older guides and YouTube videos still cite the 80 per cent HDB LTV: check the publish date",[],{"type":360,"text":2858,"spans":2859,"direction":28},"Why the government changed it",[],{"type":59,"text":2861,"spans":2862,"direction":28},"The HDB LTV reduction was a property-cooling measure aimed at moderating resale HDB prices, which had risen sharply through 2023 and early 2024. By raising the minimum downpayment, the government slowed the rate of HDB upgrading and resale demand.",[],[],"text$a523bc5a-2aa3-4e87-b1f4-a444f0594c91",{"primary":2866,"items":2867,"id":2868,"slice_type":117,"slice_label":8},{},[],"divider$1a434e86-f0a2-464f-925f-ce94013b6f5e",{"primary":2870,"items":2877,"id":2878,"slice_type":112,"slice_label":8},{"text":2871},[2872,2874],{"type":78,"text":2513,"spans":2873,"direction":28},[],{"type":59,"text":2875,"spans":2876,"direction":28},"Side-by-side downpayment on a S$500,000 4-room BTO with maximum LTV in each case.",[],[],"text$011d7e32-3ea6-483e-be66-500182112332",{"primary":2880,"items":2882,"id":2998,"slice_type":337,"slice_label":8},{"table_title":2881},[],[2883,2900,2912,2924,2937,2949,2961,2973,2985],{"col1":2884,"col2":2890,"col3":2895},[2885],{"type":59,"text":2886,"spans":2887,"direction":28},"Component",[2888],{"start":45,"end":2889,"type":95},9,[2891],{"type":59,"text":2892,"spans":2893,"direction":28},"HDB loan (75% LTV)",[2894],{"start":45,"end":105,"type":95},[2896],{"type":59,"text":2897,"spans":2898,"direction":28},"Bank loan (75% LTV)",[2899],{"start":45,"end":1087,"type":95},{"col1":2901,"col2":2905,"col3":2909},[2902],{"type":59,"text":2903,"spans":2904,"direction":28},"Loan amount",[],[2906],{"type":59,"text":2907,"spans":2908,"direction":28},"S$375,000",[],[2910],{"type":59,"text":2907,"spans":2911,"direction":28},[],{"col1":2913,"col2":2917,"col3":2921},[2914],{"type":59,"text":2915,"spans":2916,"direction":28},"Total downpayment",[],[2918],{"type":59,"text":2919,"spans":2920,"direction":28},"S$125,000",[],[2922],{"type":59,"text":2919,"spans":2923,"direction":28},[],{"col1":2925,"col2":2929,"col3":2933},[2926],{"type":59,"text":2927,"spans":2928,"direction":28},"CASH minimum",[],[2930],{"type":59,"text":2931,"spans":2932,"direction":28},"S$0 (CPF only allowed)",[],[2934],{"type":59,"text":2935,"spans":2936,"direction":28},"S$25,000 (first 5%)",[],{"col1":2938,"col2":2942,"col3":2945},[2939],{"type":59,"text":2940,"spans":2941,"direction":28},"CPF OA portion",[],[2943],{"type":59,"text":2919,"spans":2944,"direction":28},[],[2946],{"type":59,"text":2947,"spans":2948,"direction":28},"S$100,000",[],{"col1":2950,"col2":2954,"col3":2958},[2951],{"type":59,"text":2952,"spans":2953,"direction":28},"Buyer Stamp Duty",[],[2955],{"type":59,"text":2956,"spans":2957,"direction":28},"~S$9,600",[],[2959],{"type":59,"text":2956,"spans":2960,"direction":28},[],{"col1":2962,"col2":2966,"col3":2970},[2963],{"type":59,"text":2964,"spans":2965,"direction":28},"Legal fees",[],[2967],{"type":59,"text":2968,"spans":2969,"direction":28},"~S$3,000",[],[2971],{"type":59,"text":2968,"spans":2972,"direction":28},[],{"col1":2974,"col2":2978,"col3":2982},[2975],{"type":59,"text":2976,"spans":2977,"direction":28},"Total cash + CPF needed",[],[2979],{"type":59,"text":2980,"spans":2981,"direction":28},"~S$137,600",[],[2983],{"type":59,"text":2980,"spans":2984,"direction":28},[],{"col1":2986,"col2":2990,"col3":2994},[2987],{"type":59,"text":2988,"spans":2989,"direction":28},"Of which cash",[],[2991],{"type":59,"text":2992,"spans":2993,"direction":28},"S$0 (if CPF covers all)",[],[2995],{"type":59,"text":2996,"spans":2997,"direction":28},"S$25,000 minimum",[],"table3$fd327fda-3f32-4800-917c-56e95e43f731",{"primary":3000,"items":3008,"id":3009,"slice_type":112,"slice_label":8},{"text":3001},[3002],{"type":59,"text":3003,"spans":3004,"direction":28},"The cash requirement is the key swing factor. A buyer with S$10,000 in cash savings but S$200,000 in CPF OA can fully fund an HDB-loan downpayment. The same buyer cannot take a bank loan because they fall short of the S$25,000 cash minimum.",[3005,3006],{"start":45,"end":193,"type":95},{"start":1869,"end":3007,"type":95},239,[],"text$8f150e88-75f6-48e7-bb3e-2a8744b00bef",{"primary":3011,"items":3012,"id":3013,"slice_type":117,"slice_label":8},{},[],"divider$9a36fb54-b3cf-4d6f-b4ea-5527f296db8f",{"primary":3015,"items":3022,"id":3023,"slice_type":112,"slice_label":8},{"text":3016},[3017,3019],{"type":78,"text":2519,"spans":3018,"direction":28},[],{"type":59,"text":3020,"spans":3021,"direction":28},"Same loan amount (S$375,000), same 25-year tenure. The difference is the interest rate.",[],[],"text$d44ddcdf-0e5d-47a0-917c-cfb94b768925",{"primary":3025,"items":3027,"id":3119,"slice_type":337,"slice_label":8},{"table_title":3026},[],[3028,3043,3056,3069,3082,3095,3107],{"col1":3029,"col2":3033,"col3":3038},[3030],{"type":59,"text":1074,"spans":3031,"direction":28},[3032],{"start":45,"end":238,"type":95},[3034],{"type":59,"text":3035,"spans":3036,"direction":28},"HDB loan @ 2.6%",[3037],{"start":45,"end":97,"type":95},[3039],{"type":59,"text":3040,"spans":3041,"direction":28},"Bank loan @ 2.8% floating",[3042],{"start":45,"end":1473,"type":95},{"col1":3044,"col2":3048,"col3":3052},[3045],{"type":59,"text":3046,"spans":3047,"direction":28},"Monthly payment",[],[3049],{"type":59,"text":3050,"spans":3051,"direction":28},"S$1,701",[],[3053],{"type":59,"text":3054,"spans":3055,"direction":28},"S$1,737",[],{"col1":3057,"col2":3061,"col3":3065},[3058],{"type":59,"text":3059,"spans":3060,"direction":28},"Total interest over 25 years",[],[3062],{"type":59,"text":3063,"spans":3064,"direction":28},"S$135,300",[],[3066],{"type":59,"text":3067,"spans":3068,"direction":28},"S$146,100",[],{"col1":3070,"col2":3074,"col3":3078},[3071],{"type":59,"text":3072,"spans":3073,"direction":28},"Total paid over 25 years",[],[3075],{"type":59,"text":3076,"spans":3077,"direction":28},"S$510,300",[],[3079],{"type":59,"text":3080,"spans":3081,"direction":28},"S$521,100",[],{"col1":3083,"col2":3087,"col3":3091},[3084],{"type":59,"text":3085,"spans":3086,"direction":28},"Difference vs HDB loan",[],[3088],{"type":59,"text":3089,"spans":3090,"direction":28},"-",[],[3092],{"type":59,"text":3093,"spans":3094,"direction":28},"+S$10,800 over 25 years",[],{"col1":3096,"col2":3100,"col3":3103},[3097],{"type":59,"text":3098,"spans":3099,"direction":28},"If bank rate drops to 2.4%",[],[3101],{"type":59,"text":3089,"spans":3102,"direction":28},[],[3104],{"type":59,"text":3105,"spans":3106,"direction":28},"-S$10,500 vs HDB over 25 years",[],{"col1":3108,"col2":3112,"col3":3115},[3109],{"type":59,"text":3110,"spans":3111,"direction":28},"If bank rate rises to 3.5%",[],[3113],{"type":59,"text":3089,"spans":3114,"direction":28},[],[3116],{"type":59,"text":3117,"spans":3118,"direction":28},"+S$45,000 vs HDB over 25 years",[],"table3$2ac9bfa7-22c2-44e8-a1f4-d88bf5a1b6c6",{"primary":3121,"items":3129,"id":3130,"slice_type":112,"slice_label":8},{"text":3122},[3123],{"type":59,"text":3124,"spans":3125,"direction":28},"The 2.6 per cent HDB rate sits in the middle of historical bank-loan ranges. In a falling-rate cycle the bank loan wins by S$10,000+ over 25 years. In a rising cycle the HDB loan wins by S$30,000+. The HDB rate is a hedge against rate volatility; you trade away the upside in exchange for a known floor and known ceiling.",[3126,3127],{"start":556,"end":2736,"type":95},{"start":3128,"end":357,"type":95},202,[],"text$eb7a7a83-c8e5-460e-b95a-28cda6d2f584",{"primary":3132,"items":3133,"id":3134,"slice_type":117,"slice_label":8},{},[],"divider$130e01be-cee7-4a75-be14-6b5456b87835",{"primary":3136,"items":3180,"id":3181,"slice_type":112,"slice_label":8},{"text":3137},[3138,3140,3150,3153,3156,3159,3162,3165,3168,3171,3174,3177],{"type":78,"text":2525,"spans":3139,"direction":28},[],{"type":59,"text":3141,"spans":3142,"direction":28},"Bank loan packages typically lock you in for 2 to 5 years. Inside the lock-in, early redemption (whether full payoff or partial above the allowed annual amount) costs ~1.5 per cent of the redemption sum. After lock-in, you can refinance to another bank, usually with a fresh 2-3 year lock-in.",[3143,3146,3147],{"start":3144,"end":3145,"type":95},29,57,{"start":2461,"end":3128,"type":95},{"start":3148,"end":3149,"type":95},227,291,{"type":360,"text":3151,"spans":3152,"direction":28},"When refinancing pays back",[],{"type":364,"text":3154,"spans":3155,"direction":28},"Outstanding loan balance is S$200,000+ (smaller loans do not justify the legal fees)",[],{"type":364,"text":3157,"spans":3158,"direction":28},"New rate is at least 0.3 per cent lower than current rate",[],{"type":364,"text":3160,"spans":3161,"direction":28},"You are past the current lock-in period (or willing to pay the redemption penalty)",[],{"type":364,"text":3163,"spans":3164,"direction":28},"Legal fees (~S$2,500-3,500) and valuation fees (~S$500) are covered by bank cashback",[],{"type":360,"text":3166,"spans":3167,"direction":28},"HDB loan: no refinancing pressure",[],{"type":364,"text":3169,"spans":3170,"direction":28},"No lock-in, no early-repayment penalty, no rate-cycle hopping",[],{"type":364,"text":3172,"spans":3173,"direction":28},"Cannot refinance the HDB loan into another bank (it is a unique HDB product)",[],{"type":364,"text":3175,"spans":3176,"direction":28},"Can switch FROM HDB loan TO bank loan at any time if rates drop materially",[],{"type":364,"text":3178,"spans":3179,"direction":28},"Cannot switch FROM bank loan BACK TO HDB loan once you have left",[],[],"text$968345a3-7612-484d-8586-b9938e43bc34",{"primary":3183,"items":3184,"id":3185,"slice_type":117,"slice_label":8},{},[],"divider$1b5a4d7c-deae-4e6c-91fa-0bb3d202b4c4",{"primary":3187,"items":3225,"id":3226,"slice_type":112,"slice_label":8},{"text":3188},[3189,3191,3198,3201,3204,3207,3210,3213,3216,3219,3222],{"type":78,"text":2531,"spans":3190,"direction":28},[],{"type":59,"text":3192,"spans":3193,"direction":28},"The HDB loan income ceiling is a hard cap. The S$14,000 monthly household income limit applies at loan application. If you fall above it, you are forced into a bank loan even for an HDB flat. The S$21,000 ceiling applies to extended/multi-generation families and the S$7,000 ceiling applies to singles buying a 2-room flexi.",[3194,3195,3196],{"start":556,"end":98,"type":95},{"start":486,"end":2094,"type":95},{"start":1148,"end":3197,"type":95},258,{"type":360,"text":3199,"spans":3200,"direction":28},"Other gating rules for HDB loan",[],{"type":364,"text":3202,"spans":3203,"direction":28},"Must be Singapore citizen (at least one buyer)",[],{"type":364,"text":3205,"spans":3206,"direction":28},"Cannot have owned more than one private residential property locally or overseas in the past 30 months",[],{"type":364,"text":3208,"spans":3209,"direction":28},"Cannot have taken more than one HDB concessionary loan previously",[],{"type":364,"text":3211,"spans":3212,"direction":28},"Must be buying an HDB flat (not an EC, not a private condo)",[],{"type":360,"text":3214,"spans":3215,"direction":28},"Why this matters in 2026",[],{"type":364,"text":3217,"spans":3218,"direction":28},"Median household income in Singapore reached S$11,000 in 2025; many buyers are now near the ceiling",[],{"type":364,"text":3220,"spans":3221,"direction":28},"Couples earning S$14,001+ combined are pushed to bank loan despite buying a regular BTO",[],{"type":364,"text":3223,"spans":3224,"direction":28},"Plan ahead: deliberate timing of a salary review or bonus can keep you under the ceiling",[],[],"text$94ae1db6-3a7b-4c49-be97-4536225188e9",{"primary":3228,"items":3229,"id":3230,"slice_type":117,"slice_label":8},{},[],"divider$4a49fe2a-45d5-4b7e-98d6-1e92252f5288",{"primary":3232,"items":3283,"id":3284,"slice_type":112,"slice_label":8},{"text":3233},[3234,3236,3247,3250,3253,3256,3259,3262,3265,3268,3271,3274,3277,3280],{"type":78,"text":2537,"spans":3235,"direction":28},[],{"type":59,"text":3237,"spans":3238,"direction":28},"Home Protection Scheme (HPS) is mortgage insurance offered by CPF Board. It pays off the outstanding HDB loan if the insured dies, becomes totally permanently disabled, or has terminal illness. HPS is MANDATORY for HDB loan users and paid from CPF OA. MRTA is the private-bank equivalent; it is OPTIONAL with bank loans.",[3239,3241,3244],{"start":45,"end":3240,"type":95},28,{"start":3242,"end":3243,"type":95},201,250,{"start":3245,"end":3246,"type":95},252,319,{"type":360,"text":3248,"spans":3249,"direction":28},"HPS basics",[],{"type":364,"text":3251,"spans":3252,"direction":28},"Premium paid from CPF OA balance, not cash",[],{"type":364,"text":3254,"spans":3255,"direction":28},"Covers the outstanding loan balance; coverage reduces as loan reduces",[],{"type":364,"text":3257,"spans":3258,"direction":28},"Premium is age-banded; younger buyers pay less per year",[],{"type":364,"text":3260,"spans":3261,"direction":28},"Mandatory unless you have an existing private life-insurance policy that exceeds HPS coverage",[],{"type":360,"text":3263,"spans":3264,"direction":28},"MRTA / DRTA basics (for bank loans)",[],{"type":364,"text":3266,"spans":3267,"direction":28},"Optional: bank loan does not force you to take any specific mortgage insurance",[],{"type":364,"text":3269,"spans":3270,"direction":28},"MRTA covers the loan only (reducing balance over time)",[],{"type":364,"text":3272,"spans":3273,"direction":28},"DRTA decreases by a fixed schedule; cheaper but less precise",[],{"type":364,"text":3275,"spans":3276,"direction":28},"Alternative: a level-term life insurance policy can cover the loan + leave surplus to family",[],{"type":360,"text":3278,"spans":3279,"direction":28},"Which to choose",[],{"type":59,"text":3281,"spans":3282,"direction":28},"If you already have S$500,000+ of term life insurance with 25+ years remaining, you can apply for HPS exemption. If not, HPS is a no-friction default that scales with the loan.",[],[],"text$69821650-3aff-4ca8-837e-0c3e655a360f",{"primary":3286,"items":3287,"id":3288,"slice_type":117,"slice_label":8},{},[],"divider$41887926-47c8-47ba-bcc8-363b5b11994f",{"primary":3290,"items":3352,"id":3353,"slice_type":112,"slice_label":8},{"text":3291},[3292,3294,3297,3300,3303,3306,3309,3312,3315,3318,3321,3324,3326,3329,3332,3335,3337,3340,3343,3346,3349],{"type":78,"text":197,"spans":3293,"direction":28},[],{"type":59,"text":3295,"spans":3296,"direction":28},"Match the buyer profile to the loan that maximises your specific advantages.",[],{"type":360,"text":3298,"spans":3299,"direction":28},"Profile A: First-time BTO buyer, dual-income S$8,000-12,000, S$30,000 cash savings",[],{"type":364,"text":3301,"spans":3302,"direction":28},"Recommended: HDB loan",[],{"type":364,"text":3304,"spans":3305,"direction":28},"Why: keep cash buffer for renovation + emergencies; let CPF OA cover full downpayment",[],{"type":364,"text":3307,"spans":3308,"direction":28},"Trade-off: lose potential 0.2-0.4% rate saving from a bank loan",[],{"type":360,"text":3310,"spans":3311,"direction":28},"Profile B: Resale HDB buyer, dual-income S$15,000+, S$150,000 cash + CPF",[],{"type":364,"text":3313,"spans":3314,"direction":28},"Recommended: Bank loan",[],{"type":364,"text":3316,"spans":3317,"direction":28},"Why: rate sensitivity matters more on larger loan; income ceiling rules out HDB loan",[],{"type":364,"text":3319,"spans":3320,"direction":28},"Action: shop 3-4 banks for cashback + lowest fixed-2-year package",[],{"type":360,"text":3322,"spans":3323,"direction":28},"Profile C: Self-employed, lumpy income, no S$14k monthly average",[],{"type":364,"text":3301,"spans":3325,"direction":28},[],{"type":364,"text":3327,"spans":3328,"direction":28},"Why: no refinancing pressure; payment is predictable in bad-income months",[],{"type":364,"text":3330,"spans":3331,"direction":28},"Trade-off: forfeits bank loan flexibility if rates fall sharply",[],{"type":360,"text":3333,"spans":3334,"direction":28},"Profile D: Single buyer of 2-room flexi, income S$5,000, S$15,000 cash",[],{"type":364,"text":3301,"spans":3336,"direction":28},[],{"type":364,"text":3338,"spans":3339,"direction":28},"Why: small loan size means bank refinancing legal fees eat any rate savings; HPS premium is cheap at young age",[],{"type":364,"text":3341,"spans":3342,"direction":28},"Action: stretch tenure to keep monthly payment low",[],{"type":360,"text":3344,"spans":3345,"direction":28},"Profile E: Upgrading from HDB to private condo",[],{"type":364,"text":3347,"spans":3348,"direction":28},"Recommended: Bank loan (HDB loan does not cover private property)",[],{"type":364,"text":3350,"spans":3351,"direction":28},"Action: lock in 5-year fixed if rates are at cycle low; floating SORA if you expect cuts",[],[],"text$afbf22eb-9cbe-4d62-9fb2-c9ae9163b424",{"primary":3355,"items":3356,"id":3357,"slice_type":117,"slice_label":8},{},[],"divider$c85c0b85-1c49-499a-bf2c-7e3446125541",{"primary":3359,"items":3405,"id":3406,"slice_type":112,"slice_label":8},{"text":3360},[3361,3363,3366,3369,3372,3375,3378,3381,3384,3387,3390,3393,3396,3399,3402],{"type":78,"text":1239,"spans":3362,"direction":28},[],{"type":360,"text":3364,"spans":3365,"direction":28},"Q1: Can I switch from HDB loan to bank loan later?",[],{"type":59,"text":3367,"spans":3368,"direction":28},"Yes, any time. You apply to refinance from HDB to a bank loan with no HDB-side penalty. This is a one-way street: you cannot switch FROM bank loan BACK TO HDB loan once you have left.",[],{"type":360,"text":3370,"spans":3371,"direction":28},"Q2: Does the HDB loan really stay at 2.6 per cent forever?",[],{"type":59,"text":3373,"spans":3374,"direction":28},"Yes, unless the CPF OA rate moves (it has been 2.5 per cent since 1999). The HDB concessionary rate is OA + 0.1 per cent. If the OA rate ever moves, the HDB loan rate moves with it.",[],{"type":360,"text":3376,"spans":3377,"direction":28},"Q3: What is the minimum cash downpayment for a bank loan?",[],{"type":59,"text":3379,"spans":3380,"direction":28},"5 per cent of the property purchase price must be in cash. The remaining 20 per cent of the 25 per cent downpayment can be CPF OA. On a S$500,000 BTO that is S$25,000 cash minimum.",[],{"type":360,"text":3382,"spans":3383,"direction":28},"Q4: Is the bank loan interest rate fixed or floating?",[],{"type":59,"text":3385,"spans":3386,"direction":28},"Both options exist. Fixed packages lock the rate for 2-5 years; after lock-in it reverts to a floating reference (often SORA + spread). Most buyers in 2026 pick a 2-3 year fixed for predictability.",[],{"type":360,"text":3388,"spans":3389,"direction":28},"Q5: Can I take both an HDB loan and a bank loan on the same flat?",[],{"type":59,"text":3391,"spans":3392,"direction":28},"No. One loan per property. Split funding is cash + CPF OA for downpayment plus a single loan for the remaining 75 per cent.",[],{"type":360,"text":3394,"spans":3395,"direction":28},"Q6: What if rates have risen at refinancing time?",[],{"type":59,"text":3397,"spans":3398,"direction":28},"If rates rose during your lock-in, refinancing may give you a worse rate than your current package's reversion. Stay put unless the new rate is materially lower.",[],{"type":360,"text":3400,"spans":3401,"direction":28},"Q7: Does TDSR apply to HDB loan?",[],{"type":59,"text":3403,"spans":3404,"direction":28},"Yes for resale HDB. MSR of 30 per cent of gross monthly income applies to all HDB and EC purchases. TDSR of 55 per cent applies as the outer cap when other debts are factored in.",[],[],"text$79350285-9ae7-4d6a-9bc2-d7ffd7ddbaf4",{"primary":3408,"items":3409,"id":3410,"slice_type":117,"slice_label":8},{},[],"divider$3ba1cb48-e55e-428e-a43a-1a8b9348eb0e",{"primary":3412,"items":3435,"id":3436,"slice_type":112,"slice_label":8},{"text":3413},[3414,3416,3423,3429],{"type":78,"text":1293,"spans":3415,"direction":28},[],{"type":59,"text":3417,"spans":3418,"direction":28},"For where your remaining cash buffer should sit (high-interest savings accounts, fixed deposits, T-bills), see the Best Savings Account Singapore 2026 pillar.",[3419],{"start":3420,"end":3421,"type":129,"data":3422},115,157,{"link_type":131,"url":1321,"target":133},{"type":59,"text":3424,"spans":3425,"direction":28},"For how CPF OA usage interacts with your retirement plan (and why OA shielding matters at 55), see the CPF Shielding 2026 Singapore guide.",[3426],{"start":2383,"end":3427,"type":129,"data":3428},137,{"link_type":131,"url":1313,"target":133},{"type":59,"text":3430,"spans":3431,"direction":28},"For the broader CPF tax-relief mechanics including RSTU top-ups, see the CPF Cash Top-Up Tax Relief 2026 Singapore guide.",[3432],{"start":352,"end":487,"type":129,"data":3433},{"link_type":131,"url":3434,"target":133},"https://divedeals.sg/blog/cpf-cash-top-up-tax-relief-singapore",[],"text$83d4f7ff-8914-4a11-99c3-cc15a3831b5b",{"headline":3438,"description":3442,"image":3446},[3439],{"type":25,"text":3440,"spans":3441},"Dive Deals Blog",[],[3443],{"type":78,"text":3444,"spans":3445},"Read our blog for the greatest tips and summaries in discovering the best deals and promotions in Singapore.",[],{"dimensions":3447,"alt":8,"copyright":8,"url":3449,"id":3450,"edit":3451},{"width":3448,"height":3448},703,"https://images.prismic.io/dive/228e1465-2ad7-44a7-8a5c-84609d609c72_Background.png?auto=compress,format","YGSv3xAAACEAJH7j",{"x":45,"y":45,"zoom":46,"background":47},[3453,4577,6208],{"id":3454,"uid":3455,"url":8,"type":9,"href":3456,"tags":3457,"first_publication_date":3461,"last_publication_date":3462,"slugs":3463,"linked_documents":3465,"lang":20,"alternate_languages":3466,"data":3467},"ZBFlgBQAAIrrFStQ","best-1-for-1-buffet-promotion-in-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZBFlgBQAAIrrFStQ%22%29+%5D%5D",[3458,3459,3460],"Buffet","Dining","Credit Cards","2023-03-21T08:17:26+0000","2026-05-10T14:49:15+0000",[3464],"best-1-for-1-buffet-promotions-in-singapore-2026-every-bank-card-deal--valid-until-date",[],[],{"title":3468,"seo_title":3472,"seo_meta_description":3476,"featured":3480,"expired":36,"noindex":36,"cover_image":3481,"date":3488,"author_link":3489,"body":3499},[3469],{"type":25,"text":3470,"spans":3471},"Best 1-for-1 Buffet Promotions in Singapore 2026: Every Bank Card Deal & Valid-Until Date",[],[3473],{"type":25,"text":3474,"spans":3475},"1-for-1 Buffet Singapore 2026: All Card Deals Compared",[],[3477],{"type":25,"text":3478,"spans":3479},"1-for-1 buffet deals Singapore 2026: 25+ live promos from DBS, OCBC, UOB, Citi, Maybank, HSBC and Amex with prices, days and validity dates.",[],true,{"dimensions":3482,"alt":3484,"copyright":8,"url":3485,"id":3486,"edit":3487},{"width":39,"height":3483},1280,"1 for 1 buffet promotion 2026","https://images.prismic.io/dive/agBPsaYofJOwHCeD_pia-kamp-iacrF-fHr08-unsplash.jpg?auto=format,compress","agBPsaYofJOwHCeD",{"x":45,"y":45,"zoom":46,"background":47},"2026-05-07",{"id":50,"type":51,"tags":3490,"lang":20,"slug":53,"first_publication_date":54,"last_publication_date":55,"data":3491,"link_type":71,"key":3498,"isBroken":36},[],{"name":3492,"picture":3495},[3493],{"type":59,"text":60,"spans":3494},[],{"dimensions":3496,"alt":8,"copyright":8,"url":65,"id":66,"edit":3497},{"width":64,"height":64},{"x":45,"y":68,"zoom":69,"background":70},"88a15a5d-088d-4c02-a6a7-fd39c570e6cc",[3500,3508,3583,3657,3661,3678,3774,3787,3791,3806,3932,3945,3949,3963,4009,4022,4026,4041,4100,4113,4117,4136,4194,4212,4216,4231,4292,4304,4308,4357,4361,4387,4391,4420,4424,4431,4532,4536],{"primary":3501,"items":3506,"id":3507,"slice_type":112,"slice_label":8},{"text":3502},[3503],{"type":59,"text":3504,"spans":3505,"direction":28},"Buffet prices in Singapore are climbing fast - hotel dinners now sit at $90-$130++ per adult. The fastest way to halve that is a 1-for-1 buffet promotion tied to a specific bank credit card. We tracked every active 1-for-1 buffet deal across the seven major card brands and listed them by card and valid-until date below.",[],[],"text$128ec9ca-a6e9-46ac-a622-9791a4b75540",{"primary":3509,"items":3514,"id":3581,"slice_type":3582,"slice_label":8},{"table_title":3510},[3511],{"type":360,"text":3512,"spans":3513},"Editor picks: best 1-for-1 buffets right now",[],[3515,3524,3535,3546,3557,3569],{"col1":3516,"col2":3520},[3517],{"type":59,"text":3518,"spans":3519,"direction":28},"Our picks",[],[3521],{"type":59,"text":3522,"spans":3523,"direction":28},"Details",[],{"col1":3525,"col2":3530},[3526],{"type":59,"text":3527,"spans":3528},"Best evergreen pick (year-round)",[3529],{"start":45,"end":869,"type":95},[3531],{"type":59,"text":3532,"spans":3533},"Hathaway at Capital Tower with Maybank - 1-for-1 weekend brunch ($76++) and dinner buffet ($96++) until 30 Jun 2026",[3534],{"start":45,"end":3420,"type":95},{"col1":3536,"col2":3541},[3537],{"type":59,"text":3538,"spans":3539},"Best longest-validity pick",[3540],{"start":45,"end":2502,"type":95},[3542],{"type":59,"text":3543,"spans":3544},"Plate at Carlton City Hotel with DBS, OCBC or Maybank - 1-for-1 Surf and Sear Dinner Buffet (Sat) until 26 Dec 2026",[3545],{"start":45,"end":3420,"type":95},{"col1":3547,"col2":3552},[3548],{"type":59,"text":3549,"spans":3550},"Best cheapest cover",[3551],{"start":45,"end":1087,"type":95},[3553],{"type":59,"text":3554,"spans":3555},"Sun's Cafe at Hotel Grand Pacific with OCBC or Citibank - 1-for-1 Peranakan Buffet until 30 Dec 2026",[3556],{"start":45,"end":64,"type":95},{"col1":3558,"col2":3564},[3559],{"type":59,"text":3560,"spans":3561},"Best premium hotel pick",[3562],{"start":45,"end":3563,"type":95},23,[3565],{"type":59,"text":3566,"spans":3567},"Seasonal Tastes at The Westin with UOB - 1-for-1 dinner buffet (until 15 May 2026, then semi-buffet discount tiers)",[3568],{"start":45,"end":3420,"type":95},{"col1":3570,"col2":3575},[3571],{"type":59,"text":3572,"spans":3573},"Most flexible weekday pick",[3574],{"start":45,"end":2502,"type":95},[3576],{"type":59,"text":3577,"spans":3578},"Royale at Mercure Singapore Bugis with DBS - 1-for-1 lunch buffet (Mon-Fri) and dinner buffet (Sun-Thu) until 31 Dec 2026",[3579],{"start":45,"end":3580,"type":95},121,"table$eb265550-1277-4381-a8e2-6189c35107ec","table",{"primary":3584,"items":3655,"id":3656,"slice_type":112,"slice_label":8},{"text":3585},[3586,3588,3594,3600,3606,3612,3618,3625,3631,3637,3643,3649],{"type":78,"text":122,"spans":3587},[],{"type":59,"text":3589,"spans":3590},"1. DBS and POSB: 1-for-1 buffet deals",[3591],{"start":45,"end":2467,"type":129,"data":3592},{"link_type":131,"url":3593},"#1-dbs-and-posb-1-for-1-buffet-deals",{"type":59,"text":3595,"spans":3596},"2. OCBC: 1-for-1 buffet deals (the biggest list)",[3597],{"start":45,"end":158,"type":129,"data":3598},{"link_type":131,"url":3599},"#2-ocbc-1-for-1-buffet-deals-the-biggest-list-",{"type":59,"text":3601,"spans":3602},"3. UOB: 1-for-1 and 50% off semi-buffets",[3603],{"start":45,"end":760,"type":129,"data":3604},{"link_type":131,"url":3605},"#3-uob-1-for-1-and-50-off-semi-buffets",{"type":59,"text":3607,"spans":3608},"4. Citibank: 1-for-1 and 50% off buffets",[3609],{"start":45,"end":760,"type":129,"data":3610},{"link_type":131,"url":3611},"#4-citibank-1-for-1-and-50-off-buffets",{"type":59,"text":3613,"spans":3614},"5. Maybank: Hathaway Capital Tower and rotating Savour The Seasons venues",[3615],{"start":45,"end":352,"type":129,"data":3616},{"link_type":131,"url":3617},"#5-maybank-hathaway-capital-tower-and-rotating-savour-the-seasons-venues",{"type":59,"text":3619,"spans":3620},"6. HSBC: hotel buffet discounts and ENTERTAINER 1-for-1s",[3621],{"start":45,"end":3622,"type":129,"data":3623},56,{"link_type":131,"url":3624},"#6-hsbc-hotel-buffet-discounts-and-entertainer-1-for-1s",{"type":59,"text":3626,"spans":3627},"7. American Express: Love Dining for hotel buffets",[3628],{"start":45,"end":2489,"type":129,"data":3629},{"link_type":131,"url":3630},"#7-american-express-love-dining-for-hotel-buffets",{"type":59,"text":3632,"spans":3633},"8. How 1-for-1 buffet promos actually work",[3634],{"start":45,"end":128,"type":129,"data":3635},{"link_type":131,"url":3636},"#8-how-1-for-1-buffet-promos-actually-work",{"type":59,"text":3638,"spans":3639},"9. Booking tips that save you another 10-20%",[3640],{"start":45,"end":193,"type":129,"data":3641},{"link_type":131,"url":3642},"#9-booking-tips-that-save-you-another-10-20-",{"type":59,"text":3644,"spans":3645},"10. FAQ: 1-for-1 buffet questions",[3646],{"start":45,"end":1453,"type":129,"data":3647},{"link_type":131,"url":3648},"#10-faq-1-for-1-buffet-questions",{"type":59,"text":3650,"spans":3651},"11. Related dining guides",[3652],{"start":45,"end":1473,"type":129,"data":3653},{"link_type":131,"url":3654},"#11-related-dining-guides",[],"text$18106d2e-c75d-49c6-aa3a-9a83375dcb01",{"primary":3658,"items":3659,"id":3660,"slice_type":117,"slice_label":8},{},[],"divider$49822715-c26f-422c-9d6d-76ca5ad17489",{"primary":3662,"items":3676,"id":3677,"slice_type":112,"slice_label":8},{"text":3663},[3664,3666,3673],{"type":78,"text":3589,"spans":3665},[],{"type":59,"text":3667,"spans":3668},"DBS and POSB share the same dining promo book - any DBS or POSB credit or debit card is accepted unless a specific premium tier is named. Most 1-for-1 deals require a quoted reservation; the rest just need the card at payment. Full list lives on the DBS dining hub.",[3669],{"start":3243,"end":3670,"type":129,"data":3671},264,{"link_type":131,"url":3672},"https://www.dbs.com.sg/personal/cards/offers/dine",{"type":59,"text":3674,"spans":3675},"Five of the longest-running deals are below. Royale at Mercure Bugis is the most generous: weekday lunch and Sunday-to-Thursday dinner are both 1-for-1 with 30% off on weekend slots, valid through year-end.",[],[],"text$3a596898-4866-4acd-b70e-43590d812f49",{"primary":3679,"items":3684,"id":3773,"slice_type":337,"slice_label":8},{"table_title":3680},[3681],{"type":360,"text":3682,"spans":3683},"DBS / POSB 1-for-1 buffet promotions",[],[3685,3703,3717,3731,3745,3759],{"col1":3686,"col2":3692,"col3":3697},[3687],{"type":59,"text":3688,"spans":3689},"Restaurant",[3690],{"start":45,"end":3691,"type":95},10,[3693],{"type":59,"text":3694,"spans":3695},"Promotion details",[3696],{"start":45,"end":788,"type":95},[3698],{"type":59,"text":3699,"spans":3700},"Valid until",[3701],{"start":45,"end":3702,"type":95},11,{"col1":3704,"col2":3709,"col3":3713},[3705],{"type":59,"text":3706,"spans":3707},"Royale, Mercure Singapore Bugis",[3708],{"start":45,"end":698,"type":95},[3710],{"type":59,"text":3711,"spans":3712},"1-for-1 lunch buffet (Mon-Fri); 1-for-1 dinner buffet (Sun-Thu); 30% off lunch (Sat-Sun) and dinner (Fri-Sat). Lunch from $60++, dinner from $73++",[],[3714],{"type":59,"text":3715,"spans":3716},"31 Dec 2026",[],{"col1":3718,"col2":3724,"col3":3728},[3719],{"type":59,"text":3720,"spans":3721},"Racines, Sofitel Singapore City Centre",[3722],{"start":45,"end":3723,"type":95},38,[3725],{"type":59,"text":3726,"spans":3727},"1-for-1 buffet brunch + 25% off a la carte food menu",[],[3729],{"type":59,"text":3715,"spans":3730},[],{"col1":3732,"col2":3737,"col3":3741},[3733],{"type":59,"text":3734,"spans":3735},"Plate, Carlton City Hotel",[3736],{"start":45,"end":1473,"type":95},[3738],{"type":59,"text":3739,"spans":3740},"1-for-1 Surf & Sear Buffet Dinner every Saturday plus rotating CNY-themed reunion buffets",[],[3742],{"type":59,"text":3743,"spans":3744},"26 Dec 2026",[],{"col1":3746,"col2":3751,"col3":3755},[3747],{"type":59,"text":3748,"spans":3749},"Carnivore Brazilian Churrascaria",[3750],{"start":45,"end":869,"type":95},[3752],{"type":59,"text":3753,"spans":3754},"1-for-1 churrascaria-style buffet (rodizio) for paying adult diners",[],[3756],{"type":59,"text":3757,"spans":3758},"31 Jul 2026",[],{"col1":3760,"col2":3765,"col3":3769},[3761],{"type":59,"text":3762,"spans":3763},"The Blue Tiffin",[3764],{"start":45,"end":97,"type":95},[3766],{"type":59,"text":3767,"spans":3768},"1-for-1 weekend international buffet (Fri-Sun)",[],[3770],{"type":59,"text":3771,"spans":3772},"30 Jun 2026",[],"table3$29addd9a-ac81-44ee-85b0-54455a90760e",{"primary":3775,"items":3785,"id":3786,"slice_type":112,"slice_label":8},{"text":3776},[3777],{"type":59,"text":3778,"spans":3779},"Best DBS card to sign up for if you eat out often: the DBS Live Fresh Card earns 5% cashback on online and contactless dining, capped at S$75 a month. Compare against the broader DBS dining lineup in our credit card sign-up promotions guide for the current welcome gift.",[3780],{"start":3781,"end":3782,"type":129,"data":3783},204,240,{"link_type":131,"url":3784},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore",[],"text$eb4450f4-3361-4c98-96bb-72fe400135b1",{"primary":3788,"items":3789,"id":3790,"slice_type":117,"slice_label":8},{},[],"divider$964e9288-056d-4564-a4cf-85d7140014c4",{"primary":3792,"items":3804,"id":3805,"slice_type":112,"slice_label":8},{"text":3793},[3794,3796],{"type":78,"text":3595,"spans":3795},[],{"type":59,"text":3797,"spans":3798},"OCBC has the longest list of buffet partners - eight of the city's mid-to-premium hotels run all-year deals for any OCBC credit or debit card. The 1-for-1 deals concentrate at Makan@Jen, Sun's Cafe, Racines and Plate, while Cafe Mosaic and Colony run percentage-based discounts. The full set sits in the OCBC card promotions page.",[3799],{"start":3800,"end":3801,"type":129,"data":3802},304,329,{"link_type":131,"url":3803},"https://www.ocbc.com/personal-banking/cards/card-promotions.page?main=foodandgroceries",[],"text$8ea8f29b-6a39-44ab-92a5-d46f214904b8",{"primary":3807,"items":3812,"id":3931,"slice_type":337,"slice_label":8},{"table_title":3808},[3809],{"type":360,"text":3810,"spans":3811},"OCBC 1-for-1 and discounted buffets",[],[3813,3826,3840,3853,3865,3878,3892,3905,3918],{"col1":3814,"col2":3818,"col3":3822},[3815],{"type":59,"text":3688,"spans":3816},[3817],{"start":45,"end":3691,"type":95},[3819],{"type":59,"text":3694,"spans":3820},[3821],{"start":45,"end":788,"type":95},[3823],{"type":59,"text":3699,"spans":3824},[3825],{"start":45,"end":3702,"type":95},{"col1":3827,"col2":3832,"col3":3836},[3828],{"type":59,"text":3829,"spans":3830},"Makan@Jen, JEN Singapore Orchardgateway by Shangri-La",[3831],{"start":45,"end":165,"type":95},[3833],{"type":59,"text":3834,"spans":3835},"1-for-1 dinner buffet (Mon-Thu); 1-for-1 lunch buffet (Sat-Sun); 25% off dinner (Fri-Sun); 15% off lunch (Mon-Fri)",[],[3837],{"type":59,"text":3838,"spans":3839},"30 Dec 2026",[],{"col1":3841,"col2":3846,"col3":3850},[3842],{"type":59,"text":3843,"spans":3844},"Sun's Cafe, Hotel Grand Pacific Singapore",[3845],{"start":45,"end":98,"type":95},[3847],{"type":59,"text":3848,"spans":3849},"1-for-1 Peranakan Buffet (lunch and dinner)",[],[3851],{"type":59,"text":3838,"spans":3852},[],{"col1":3854,"col2":3858,"col3":3862},[3855],{"type":59,"text":3720,"spans":3856},[3857],{"start":45,"end":3723,"type":95},[3859],{"type":59,"text":3860,"spans":3861},"1-for-1 Ultimate Racines Brunch + 25% off a la carte food",[],[3863],{"type":59,"text":3838,"spans":3864},[],{"col1":3866,"col2":3871,"col3":3875},[3867],{"type":59,"text":3868,"spans":3869},"Plate, Carlton City Hotel Singapore",[3870],{"start":45,"end":138,"type":95},[3872],{"type":59,"text":3873,"spans":3874},"1-for-1 Surf & Sear Buffet Dinner (Sat) + CNY reunion buffets (Feb)",[],[3876],{"type":59,"text":3743,"spans":3877},[],{"col1":3879,"col2":3885,"col3":3889},[3880],{"type":59,"text":3881,"spans":3882},"Cafe Mosaic, Carlton Hotel Singapore",[3883],{"start":45,"end":3884,"type":95},36,[3886],{"type":59,"text":3887,"spans":3888},"50% off Seafood Dinner Buffet (Thu-Sat) and Seafood Lunch Buffet (Sun); 30% off Weekday Lunch Buffet",[],[3890],{"type":59,"text":3838,"spans":3891},[],{"col1":3893,"col2":3898,"col3":3902},[3894],{"type":59,"text":3895,"spans":3896},"Colony, The Ritz-Carlton, Millenia Singapore",[3897],{"start":45,"end":193,"type":95},[3899],{"type":59,"text":3900,"spans":3901},"15% off lunch and dinner (VOYAGE/Premier VISA Infinite); 10% off (all OCBC cards) for Mon-Fri lunch, Mon-Thu dinner and Sunday Champagne Brunch",[],[3903],{"type":59,"text":3838,"spans":3904},[],{"col1":3906,"col2":3911,"col3":3915},[3907],{"type":59,"text":3908,"spans":3909},"The Dining Room and Lobby Bar, Sheraton Towers",[3910],{"start":45,"end":1409,"type":95},[3912],{"type":59,"text":3913,"spans":3914},"20% off total bill",[],[3916],{"type":59,"text":3838,"spans":3917},[],{"col1":3919,"col2":3924,"col3":3928},[3920],{"type":59,"text":3921,"spans":3922},"Town Restaurant, The Fullerton Hotel",[3923],{"start":45,"end":3884,"type":95},[3925],{"type":59,"text":3926,"spans":3927},"20% off lunch/dinner buffet and ALC (VOYAGE tier); 15% off (all OCBC)",[],[3929],{"type":59,"text":3838,"spans":3930},[],"table3$ef688ba6-c4a5-4bad-949d-d30be2f2998f",{"primary":3933,"items":3943,"id":3944,"slice_type":112,"slice_label":8},{"text":3934},[3935],{"type":59,"text":3936,"spans":3937},"For the cashback player: the OCBC 365 Credit Card gives 5% cashback on dining all year (min $1,600 monthly spend, capped at $160). Pair it with the buffet 1-for-1 to stack two layers of savings. Compare against other dining cards in our OCBC credit card sign-up promotions roundup.",[3938],{"start":3939,"end":3940,"type":129,"data":3941},237,272,{"link_type":131,"url":3942},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#ocbc-credit-card-sign-up-promotions",[],"text$3ef573f1-cb83-44af-bfc2-0935f4ec324d",{"primary":3946,"items":3947,"id":3948,"slice_type":117,"slice_label":8},{},[],"divider$9557debf-9586-465b-ae27-fb0148aa14bc",{"primary":3950,"items":3961,"id":3962,"slice_type":112,"slice_label":8},{"text":3951},[3952,3954],{"type":78,"text":3601,"spans":3953},[],{"type":59,"text":3955,"spans":3956},"UOB has slimmed its 1-for-1 buffet partners to two mainstays this year, both managed via the Dining Advisor portal. Westin Seasonal Tastes runs a tiered promotion: full 1-for-1 dinner buffet only until 15 May 2026, then it transitions to discounted semi-buffets. Town Restaurant at Fullerton stays at 15-20% off year-round.",[3957],{"start":2266,"end":3958,"type":129,"data":3959},114,{"link_type":131,"url":3960},"https://thediningadvisor.com/deals?cuisine=buffet",[],"text$aef20339-8b3e-45db-9142-ed581141c64a",{"primary":3964,"items":3969,"id":4008,"slice_type":337,"slice_label":8},{"table_title":3965},[3966],{"type":360,"text":3967,"spans":3968},"UOB buffet promotions",[],[3970,3983,3996],{"col1":3971,"col2":3975,"col3":3979},[3972],{"type":59,"text":3688,"spans":3973},[3974],{"start":45,"end":3691,"type":95},[3976],{"type":59,"text":3694,"spans":3977},[3978],{"start":45,"end":788,"type":95},[3980],{"type":59,"text":3699,"spans":3981},[3982],{"start":45,"end":3702,"type":95},{"col1":3984,"col2":3989,"col3":3993},[3985],{"type":59,"text":3986,"spans":3987},"Seasonal Tastes, The Westin Singapore",[3988],{"start":45,"end":2467,"type":95},[3990],{"type":59,"text":3991,"spans":3992},"Until 15 May 2026: 1-for-1 dinner buffet + 50% off second adult lunch buffet. 16 May - 31 Aug: 50% off semi-buffet lunch (2nd diner) + 15% off semi-buffet dinner. 1 Sep - 31 Dec: 50% off lunch and dinner buffet (2nd diner)",[],[3994],{"type":59,"text":3715,"spans":3995},[],{"col1":3997,"col2":4001,"col3":4005},[3998],{"type":59,"text":3921,"spans":3999},[4000],{"start":45,"end":3884,"type":95},[4002],{"type":59,"text":4003,"spans":4004},"UOB Reserve, Visa Infinite, Lady's Solitaire, Privilege Banking, Regal and Empire Business cards: 20% off ALC food and lunch/dinner buffet. All other UOB cards: 15% off lunch/dinner buffet",[],[4006],{"type":59,"text":3838,"spans":4007},[],"table3$6f585de0-3112-4864-a403-1e4c29b46afa",{"primary":4010,"items":4020,"id":4021,"slice_type":112,"slice_label":8},{"text":4011},[4012],{"type":59,"text":4013,"spans":4014},"UOB still wins for cashback though. The UOB One Card pays up to 10% cashback on McDonald's, Grab, SimplyGo and Shopee plus 8% on groceries when you hit the spend tiers - useful as a daily complement to the buffet discount. Welcome offers change monthly, so check the current UOB credit card sign-up promotions before applying.",[4015],{"start":4016,"end":4017,"type":129,"data":4018},275,309,{"link_type":131,"url":4019},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#uob-credit-card-sign-up-promotions",[],"text$c711b4de-6064-4742-9e4b-b2083ccd2295",{"primary":4023,"items":4024,"id":4025,"slice_type":117,"slice_label":8},{},[],"divider$af88630e-fdf7-4afe-a5db-32bcb6b76be3",{"primary":4027,"items":4039,"id":4040,"slice_type":112,"slice_label":8},{"text":4028},[4029,4031],{"type":78,"text":3607,"spans":4030},[],{"type":59,"text":4032,"spans":4033},"Citi keeps a tight selection of three buffet partners, all running through year-end. The standout is Sun's Cafe at Grand Pacific - same restaurant as the OCBC 1-for-1 deal, so either bank card unlocks it. Atrium Restaurant at Holiday Inn Singapore Atrium runs a flat 50% off buffet (effectively the same value as 1-for-1 for two diners). Browse the full Citi World Privileges hotel dining set for ad-hoc additions.",[4034],{"start":4035,"end":4036,"type":129,"data":4037},354,392,{"link_type":131,"url":4038},"https://www.citiworldprivileges.com/sg-singapore/hotel_dining-92",[],"text$1e7ccdaa-7ecb-4419-9911-63ac7a32ac39",{"primary":4042,"items":4047,"id":4099,"slice_type":337,"slice_label":8},{"table_title":4043},[4044],{"type":360,"text":4045,"spans":4046},"Citibank 1-for-1 and 50% off buffets",[],[4048,4061,4074,4086],{"col1":4049,"col2":4053,"col3":4057},[4050],{"type":59,"text":3688,"spans":4051},[4052],{"start":45,"end":3691,"type":95},[4054],{"type":59,"text":3694,"spans":4055},[4056],{"start":45,"end":788,"type":95},[4058],{"type":59,"text":3699,"spans":4059},[4060],{"start":45,"end":3702,"type":95},{"col1":4062,"col2":4067,"col3":4071},[4063],{"type":59,"text":4064,"spans":4065},"Sun's Cafe, Hotel Grand Pacific",[4066],{"start":45,"end":698,"type":95},[4068],{"type":59,"text":4069,"spans":4070},"1-for-1 Buffet Lunch and Dinner",[],[4072],{"type":59,"text":3838,"spans":4073},[],{"col1":4075,"col2":4079,"col3":4083},[4076],{"type":59,"text":3881,"spans":4077},[4078],{"start":45,"end":3884,"type":95},[4080],{"type":59,"text":4081,"spans":4082},"50% off Seafood Buffet for adult diners (effective 1-for-1 for pairs)",[],[4084],{"type":59,"text":3838,"spans":4085},[],{"col1":4087,"col2":4092,"col3":4096},[4088],{"type":59,"text":4089,"spans":4090},"Atrium Restaurant, Holiday Inn Singapore Atrium",[4091],{"start":45,"end":486,"type":95},[4093],{"type":59,"text":4094,"spans":4095},"50% off buffet (effective 1-for-1 for pairs)",[],[4097],{"type":59,"text":3715,"spans":4098},[],"table3$c7c8aca7-bc1e-41ce-ae24-72eff6aeb7a3",{"primary":4101,"items":4111,"id":4112,"slice_type":112,"slice_label":8},{"text":4102},[4103],{"type":59,"text":4104,"spans":4105},"Citi cards earn the strongest dining cashback among premium tiers. The Citi Cash Back Card gives 6% cashback on dining (and other categories) worldwide, no minimum spend tier. The Citi Cash Back+ Card flips to 1.6% unlimited on every spend with no monthly cap - useful if you blow past the $25k a year cashback cap on the standard tier. Compare welcome bonuses in our Citibank credit card sign-up promotions roundup.",[4106],{"start":4107,"end":4108,"type":129,"data":4109},368,407,{"link_type":131,"url":4110},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#citibank-credit-card-sign-up-promotions",[],"text$0f80a86f-1c0c-4c5c-be70-631816ac02d7",{"primary":4114,"items":4115,"id":4116,"slice_type":117,"slice_label":8},{},[],"divider$3927ad6f-e14c-403f-8c32-10a373bb9edd",{"primary":4118,"items":4134,"id":4135,"slice_type":112,"slice_label":8},{"text":4119},[4120,4122],{"type":78,"text":3613,"spans":4121},[],{"type":59,"text":4123,"spans":4124},"Maybank runs Savour The Seasons, a quarterly-refreshed 1-for-1 dining campaign across 10-15 hotels at any time. The standout evergreen pick is Hathaway at Capital Tower - 1-for-1 weekend brunch ($76++) and dinner buffet ($96++) is locked in until 30 June 2026, the longest validity of any premium hotel buffet on this list. The Plate (Carlton City Hotel) Hong Kong lunch buffet runs through year-end. Newer seasonal picks rotate every quarter, listed at maybank.sg/1for1.",[4125,4129],{"start":4126,"end":1918,"type":129,"data":4127},143,{"link_type":131,"url":4128},"https://cardspromo.maybank2u.com.sg/promotions/hathaway-at-capital-tower",{"start":4130,"end":4131,"type":129,"data":4132},454,470,{"link_type":131,"url":4133},"https://maybank.sg/1for1",[],"text$895e193e-f335-489e-94d7-5e6da8c444f0",{"primary":4137,"items":4142,"id":4193,"slice_type":337,"slice_label":8},{"table_title":4138},[4139],{"type":360,"text":4140,"spans":4141},"Maybank 1-for-1 buffet anchors",[],[4143,4156,4169,4181],{"col1":4144,"col2":4148,"col3":4152},[4145],{"type":59,"text":3688,"spans":4146},[4147],{"start":45,"end":3691,"type":95},[4149],{"type":59,"text":3694,"spans":4150},[4151],{"start":45,"end":788,"type":95},[4153],{"type":59,"text":3699,"spans":4154},[4155],{"start":45,"end":3702,"type":95},{"col1":4157,"col2":4162,"col3":4166},[4158],{"type":59,"text":4159,"spans":4160},"Hathaway at Capital Tower",[4161],{"start":45,"end":1473,"type":95},[4163],{"type":59,"text":4164,"spans":4165},"1-for-1 Weekend Brunch ($76++) and Dinner Buffet ($96++). Promotion applies to every two guests; odd-numbered groups pay regular price for the extra adult",[],[4167],{"type":59,"text":3771,"spans":4168},[],{"col1":4170,"col2":4174,"col3":4178},[4171],{"type":59,"text":3734,"spans":4172},[4173],{"start":45,"end":1473,"type":95},[4175],{"type":59,"text":4176,"spans":4177},"1-for-1 Flavours of Hong Kong buffet lunch",[],[4179],{"type":59,"text":3838,"spans":4180},[],{"col1":4182,"col2":4186,"col3":4190},[4183],{"type":59,"text":3921,"spans":4184},[4185],{"start":45,"end":3884,"type":95},[4187],{"type":59,"text":4188,"spans":4189},"15% off ALC food menu and lunch/dinner buffet",[],[4191],{"type":59,"text":3838,"spans":4192},[],"table3$c641844b-3373-4645-b598-f2d1936b3e4f",{"primary":4195,"items":4210,"id":4211,"slice_type":112,"slice_label":8},{"text":4196},[4197,4202],{"type":59,"text":4198,"spans":4199},"Important T&Cs across all Maybank deals: payment must be a physical Maybank credit or debit card (digital wallets like Apple Pay or Google Pay are not eligible), capped at 2 redemptions per table per bill, not valid on PH eves/PHs/special occasions. Always quote \"Maybank 1-for-1\" when reserving.",[4200],{"start":1047,"end":4201,"type":95},96,{"type":59,"text":4203,"spans":4204},"New Maybank cardholders currently get a Samsonite INTERLACE Spinner 67/24 EXP (worth S$520) when applying for a new Maybank Credit Card and charging a minimum of S$1,300 within the first two months - one of the higher-value welcome gifts in market. See the latest gifts in our Maybank credit card sign-up promotions roundup.",[4205],{"start":4206,"end":4207,"type":129,"data":4208},277,315,{"link_type":131,"url":4209},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#maybank-credit-card-sign-up-promotions",[],"text$1cb581b9-9b6a-41aa-b5cd-6d7f336f85a3",{"primary":4213,"items":4214,"id":4215,"slice_type":117,"slice_label":8},{},[],"divider$3076959b-ba1b-423d-8683-948a052b181d",{"primary":4217,"items":4229,"id":4230,"slice_type":112,"slice_label":8},{"text":4218},[4219,4221],{"type":78,"text":3619,"spans":4220},[],{"type":59,"text":4222,"spans":4223},"HSBC takes a different angle: instead of 1-for-1 buffets in its own dining book, it bundles complimentary access to the ENTERTAINER with HSBC mobile app for HSBC Live+ Cardholders. That app holds 1-for-1 vouchers for over 100 restaurants and several hotel buffets - rotation changes monthly. Direct hotel deals on the HSBC dining hub are limited to flat discounts.",[4224],{"start":4225,"end":4226,"type":129,"data":4227},318,333,{"link_type":131,"url":4228},"https://cardpromotions.hsbc.com.sg/dining/hotel-dining/",[],"text$f7ae8b7b-9ad6-4a60-8c0c-a967a494c190",{"primary":4232,"items":4237,"id":4291,"slice_type":337,"slice_label":8},{"table_title":4233},[4234],{"type":360,"text":4235,"spans":4236},"HSBC buffet discount partners",[],[4238,4251,4265,4277],{"col1":4239,"col2":4243,"col3":4247},[4240],{"type":59,"text":3688,"spans":4241},[4242],{"start":45,"end":3691,"type":95},[4244],{"type":59,"text":3694,"spans":4245},[4246],{"start":45,"end":788,"type":95},[4248],{"type":59,"text":3699,"spans":4249},[4250],{"start":45,"end":3702,"type":95},{"col1":4252,"col2":4257,"col3":4261},[4253],{"type":59,"text":4254,"spans":4255},"CLOVE, Fairmont Singapore",[4256],{"start":45,"end":1473,"type":95},[4258],{"type":59,"text":4259,"spans":4260},"20% off food bill (all HSBC cards)",[],[4262],{"type":59,"text":4263,"spans":4264},"Open-ended",[],{"col1":4266,"col2":4270,"col3":4274},[4267],{"type":59,"text":3921,"spans":4268},[4269],{"start":45,"end":3884,"type":95},[4271],{"type":59,"text":4272,"spans":4273},"20% off (HSBC Premier MasterCard / Visa Infinite); 15% off ALC and lunch/dinner buffet (all HSBC cards)",[],[4275],{"type":59,"text":3838,"spans":4276},[],{"col1":4278,"col2":4283,"col3":4287},[4279],{"type":59,"text":4280,"spans":4281},"ENTERTAINER with HSBC app (Live+ cards)",[4282],{"start":45,"end":484,"type":95},[4284],{"type":59,"text":4285,"spans":4286},"1-for-1 vouchers across 100+ restaurants and rotating hotel buffets",[],[4288],{"type":59,"text":4289,"spans":4290},"Continuous (monthly refresh)",[],"table3$ac61e055-016b-4d10-9c94-fd12e7981d36",{"primary":4293,"items":4302,"id":4303,"slice_type":112,"slice_label":8},{"text":4294},[4295],{"type":59,"text":4296,"spans":4297},"Best HSBC card for buffet hunters: HSBC Live+ Card pays 8% cashback on dining, shopping and entertainment plus complimentary ENTERTAINER access. The current welcome bonus runs to 31 May 2026 - see our HSBC credit card sign-up promotions roundup for the latest gift options.",[4298,4299],{"start":138,"end":2489,"type":95},{"start":3242,"end":493,"type":129,"data":4300},{"link_type":131,"url":4301},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#hsbc-credit-card-sign-up-promotions",[],"text$ead813ac-7562-43bb-8017-f7e9680f6f2d",{"primary":4305,"items":4306,"id":4307,"slice_type":117,"slice_label":8},{},[],"divider$e8dd06de-f634-49ba-a555-17a62c4d049c",{"primary":4309,"items":4355,"id":4356,"slice_type":112,"slice_label":8},{"text":4310},[4311,4313,4326,4329,4332,4335,4338,4341,4344,4347],{"type":78,"text":3626,"spans":4312},[],{"type":59,"text":4314,"spans":4315},"American Express does not offer 1-for-1 buffets to all cardholders. Instead, the Amex Platinum Card opens up the Love Dining programme - up to 50% off at six premium hotel buffets when you bring one paying companion (otherwise discounts of 15-35% only). Welcome gifts on the Platinum and other Amex cards rotate often - check the current Amex credit card sign-up promotions before applying.",[4316,4321],{"start":4317,"end":4318,"type":129,"data":4319},113,124,{"link_type":131,"url":4320},"https://www.americanexpress.com/sg/benefits/love-dining.html",{"start":4322,"end":4323,"type":129,"data":4324},338,373,{"link_type":131,"url":4325},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore#amex-credit-card-sign-up-promotions",{"type":59,"text":4327,"spans":4328},"Love Dining hotel buffet partners include:",[],{"type":364,"text":4330,"spans":4331},"Asian Market Cafe (Fairmont Singapore)",[],{"type":364,"text":4333,"spans":4334},"Crossroads Buffet (Singapore Marriott Tang Plaza Hotel)",[],{"type":364,"text":4336,"spans":4337},"Ellenborough Market Cafe (Paradox Singapore Merchant Court at Clarke Quay)",[],{"type":364,"text":4339,"spans":4340},"CLOVE (Swissotel The Stamford)",[],{"type":364,"text":4342,"spans":4343},"Town Restaurant (The Fullerton Hotel)",[],{"type":364,"text":4345,"spans":4346},"the kitchen table (W Singapore - Sentosa Cove)",[],{"type":59,"text":4348,"spans":4349},"Amex Platinum has an annual fee of S$1,744 - it only makes sense if you also use the airport lounge access, hotel status and travel credits. For pure buffet hunting, a free DBS or OCBC card delivers more 1-for-1 partners at zero annual cost. See whether the Platinum economics work in our credit card annual fee waiver guide.",[4350],{"start":4351,"end":4352,"type":129,"data":4353},289,324,{"link_type":131,"url":4354},"https://divedeals.sg/blog/credit-card-annual-fee-waiver-singapore",[],"text$c7fcabca-81d1-4082-8bf3-63bf6b476562",{"primary":4358,"items":4359,"id":4360,"slice_type":117,"slice_label":8},{},[],"divider$187388e8-3910-4090-98e0-be5dd63d7d8d",{"primary":4362,"items":4385,"id":4386,"slice_type":112,"slice_label":8},{"text":4363},[4364,4366,4369,4373,4377,4381],{"type":78,"text":3632,"spans":4365},[],{"type":59,"text":4367,"spans":4368},"Three rules cover almost every Singapore 1-for-1 buffet deal. Knowing them prevents nasty surprises at the cashier.",[],{"type":59,"text":4370,"spans":4371},"Pay-with-the-named-card rule. The promo only triggers when your final bill is settled with the eligible bank card. Splitting bills is usually disallowed; digital wallet versions of the same card may be excluded (Maybank explicitly bans Apple Pay, Google Pay and Samsung Pay).",[4372],{"start":45,"end":3144,"type":95},{"type":59,"text":4374,"spans":4375},"Quote-on-reservation rule. Most deals require you to mention the bank promo at the time of booking (\"Maybank 1-for-1\" or \"GWPxMaybank\" or similar). Walk-ins typically do not qualify even if you have the right card.",[4376],{"start":45,"end":2502,"type":95},{"type":59,"text":4378,"spans":4379},"Two-paying-rule. \"1-for-1\" really means buy one, get one free - so a table of 4 pays for 2, a table of 6 pays for 3. Odd-numbered groups pay full price for the extra adult. There's usually a per-bill cap of 2-4 redemptions on the same card.",[4380],{"start":45,"end":103,"type":95},{"type":59,"text":4382,"spans":4383},"GST and service charge nuance: the 1-for-1 discount applies to the food cover only. You still pay full GST and 10% service on both diners' bills (so a $98++ buffet works out to ~$117 nett, and the 1-for-1 effectively splits to ~$58.50 per person nett). Worth modelling before you commit.",[4384],{"start":45,"end":1422,"type":95},[],"text$6bcb6692-ca10-49ad-9e3b-71cc0c0c1f37",{"primary":4388,"items":4389,"id":4390,"slice_type":117,"slice_label":8},{},[],"divider$7df0c3e0-f486-4388-834c-95e993b14561",{"primary":4392,"items":4418,"id":4419,"slice_type":112,"slice_label":8},{"text":4393},[4394,4396,4399,4402,4405,4408,4411],{"type":78,"text":3638,"spans":4395},[],{"type":59,"text":4397,"spans":4398},"Stack any of these on top of the 1-for-1 deal:",[],{"type":364,"text":4400,"spans":4401},"Book through the bank's reservation portal (Chope x DBS, OCBC dining, etc.) to earn extra reward points or cashback on top of the 1-for-1.",[],{"type":364,"text":4403,"spans":4404},"Pick weekday lunch or Sunday-Thursday dinner - cover charges are 20-30% lower than Friday-Saturday dinner, and most 1-for-1 deals exclude weekend peaks anyway.",[],{"type":364,"text":4406,"spans":4407},"Use a dining-cashback card. OCBC 365 (5% on dining), Citi Cash Back (6% on dining), HSBC Live+ (8% on dining) and DBS Live Fresh (5% on contactless) layer 5-8% cashback on top of the 1-for-1.",[],{"type":364,"text":4409,"spans":4410},"Avoid eves of public holidays and special occasions - blackout dates are universal across all banks.",[],{"type":364,"text":4412,"spans":4413},"Check the dining hub for weekly drops. The food and dining deals hub on DiveDeals tracks new bank dining offers as they appear, so you can plan ahead.",[4414],{"start":2509,"end":4415,"type":129,"data":4416},81,{"link_type":131,"url":4417},"https://divedeals.sg/blog/food-dining-deals-singapore",[],"text$87b8d0d4-38d8-4d51-8110-935a809244c6",{"primary":4421,"items":4422,"id":4423,"slice_type":117,"slice_label":8},{},[],"divider$1828c166-99e8-4a22-bc7c-dcd52b6e5577",{"primary":4425,"items":4429,"id":4430,"slice_type":112,"slice_label":8},{"text":4426},[4427],{"type":78,"text":3644,"spans":4428},[],[],"text$78f1c1ba-ab6f-46bd-ab0f-1afae2b94b7d",{"primary":4432,"items":4437,"id":4531,"slice_type":337,"slice_label":8},{"table_title":4433},[4434],{"type":360,"text":4435,"spans":4436},"1-for-1 buffet quick answers",[],[4438,4453,4466,4479,4492,4505,4518],{"col1":4439,"col2":4444,"col3":4449},[4440],{"type":59,"text":4441,"spans":4442},"Question",[4443],{"start":45,"end":238,"type":95},[4445],{"type":59,"text":4446,"spans":4447},"Answer",[4448],{"start":45,"end":1508,"type":95},[4450],{"type":59,"text":1764,"spans":4451},[4452],{"start":45,"end":1767,"type":95},{"col1":4454,"col2":4458,"col3":4462},[4455],{"type":59,"text":4456,"spans":4457},"Which bank has the most 1-for-1 buffets right now?",[],[4459],{"type":59,"text":4460,"spans":4461},"OCBC - eight active hotel partners with 1-for-1 or 50% off through year-end",[],[4463],{"type":59,"text":4464,"spans":4465},"DBS/POSB is second with five active deals",[],{"col1":4467,"col2":4471,"col3":4475},[4468],{"type":59,"text":4469,"spans":4470},"Are weekends always excluded?",[],[4472],{"type":59,"text":4473,"spans":4474},"No - several deals run Sat or Sun. Plate Surf & Sear runs every Saturday; Hathaway is weekends only; Makan@Jen 1-for-1 lunch is Sat-Sun",[],[4476],{"type":59,"text":4477,"spans":4478},"PH eves and public holidays are blackout dates almost everywhere",[],{"col1":4480,"col2":4484,"col3":4488},[4481],{"type":59,"text":4482,"spans":4483},"Do I pay GST on the full price or the 1-for-1 cover?",[],[4485],{"type":59,"text":4486,"spans":4487},"Full GST and 10% service apply on both diners' bills before the 1-for-1 discount is applied",[],[4489],{"type":59,"text":4490,"spans":4491},"Effective per-pax cost = ($cover++ x 1.179) / 2 for a pair",[],{"col1":4493,"col2":4497,"col3":4501},[4494],{"type":59,"text":4495,"spans":4496},"What is the difference between 1-for-1 and 50% off?",[],[4498],{"type":59,"text":4499,"spans":4500},"Mathematically identical for a pair. 50% off scales to single diners; 1-for-1 only triggers in pairs",[],[4502],{"type":59,"text":4503,"spans":4504},"Cafe Mosaic and Atrium Restaurant use 50% off; Sun's Cafe and Hathaway use 1-for-1",[],{"col1":4506,"col2":4510,"col3":4514},[4507],{"type":59,"text":4508,"spans":4509},"Can I use Apple Pay or Google Pay?",[],[4511],{"type":59,"text":4512,"spans":4513},"Maybank explicitly excludes digital wallets from its dining promos. Other banks usually accept them, but check the deal page first",[],[4515],{"type":59,"text":4516,"spans":4517},"Use the physical card to be safe",[],{"col1":4519,"col2":4523,"col3":4527},[4520],{"type":59,"text":4521,"spans":4522},"Do I need to be a primary cardholder?",[],[4524],{"type":59,"text":4525,"spans":4526},"Supplementary cards are usually accepted as long as they are the named brand",[],[4528],{"type":59,"text":4529,"spans":4530},"Confirm with the restaurant when reserving",[],"table3$691d586d-62c4-4b7a-9544-4f0407b009d3",{"primary":4533,"items":4534,"id":4535,"slice_type":117,"slice_label":8},{},[],"divider$240cfb4c-6cfc-43b2-8e4b-68cba9615bd6",{"primary":4537,"items":4575,"id":4576,"slice_type":112,"slice_label":8},{"text":4538},[4539,4541,4547,4553,4559,4565,4570],{"type":360,"text":3650,"spans":4540},[],{"type":364,"text":4542,"spans":4543},"Best high tea promotions in Singapore - 1-for-1 afternoon tea buffets",[4544],{"start":45,"end":2467,"type":129,"data":4545},{"link_type":131,"url":4546},"https://divedeals.sg/blog/best-high-tea-promotions-in-singapore",{"type":364,"text":4548,"spans":4549},"Best halal buffet restaurants in Singapore",[4550],{"start":45,"end":128,"type":129,"data":4551},{"link_type":131,"url":4552},"https://divedeals.sg/blog/best-halal-buffets-restaurants-in-singapore",{"type":364,"text":4554,"spans":4555},"Best Korean BBQ buffets in Singapore",[4556],{"start":45,"end":3884,"type":129,"data":4557},{"link_type":131,"url":4558},"https://divedeals.sg/blog/best-korean-bbqs-in-singapore",{"type":364,"text":4560,"spans":4561},"Best mookata restaurants in Singapore",[4562],{"start":45,"end":2467,"type":129,"data":4563},{"link_type":131,"url":4564},"https://divedeals.sg/blog/best-mookata-restaurants-in-singapore",{"type":364,"text":4566,"spans":4567},"Best credit card sign-up promotions in Singapore - cash, miles and dining-cashback welcome gifts",[4568],{"start":45,"end":158,"type":129,"data":4569},{"link_type":131,"url":3784},{"type":364,"text":4571,"spans":4572},"Credit card annual fee waiver guide - never pay an annual fee in Singapore",[4573],{"start":45,"end":138,"type":129,"data":4574},{"link_type":131,"url":4354},[],"text$b3278ace-19ae-481a-8852-1ab84fc64ab4",{"id":4578,"uid":4579,"url":8,"type":9,"href":4580,"tags":4581,"first_publication_date":4584,"last_publication_date":4585,"slugs":4586,"linked_documents":4588,"lang":20,"alternate_languages":4589,"data":4590},"YdEeLhEAACEAeYfu","birthday-deals-in-singapore-to-treat-yourself","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22YdEeLhEAACEAeYfu%22%29+%5D%5D",[4582,4583],"Ocassion","Birthday","2022-01-19T03:46:38+0000","2026-05-10T14:48:50+0000",[4587],"birthday-deals-in-singapore-2026-free-treats-vouchers-and-buffets-to-claim-this-year",[],[],{"title":4591,"seo_title":4595,"seo_meta_description":4599,"featured":3480,"expired":36,"noindex":36,"cover_image":4603,"date":3488,"author_link":4610,"body":4628},[4592],{"type":25,"text":4593,"spans":4594},"Birthday Deals in Singapore 2026: Free Treats, Vouchers and Buffets to Claim This Year",[],[4596],{"type":25,"text":4597,"spans":4598},"Birthday Deals Singapore 2026: Free Cake, Buffets and Vouchers",[],[4600],{"type":25,"text":4601,"spans":4602,"direction":28},"The complete birthday deals Singapore guide for 2026: free cakes, buffets, drinks, vouchers and member perks across the brands worth signing up for.",[],{"dimensions":4604,"alt":8,"copyright":8,"url":4607,"id":4608,"edit":4609},{"width":4605,"height":4606},1036,542,"https://images.prismic.io/dive/ad95W51ZCF7ETNdK_photo_2026-04-1517%2C48%2C30-Picsart-AiImageEnhancer.png?auto=format,compress","ad95W51ZCF7ETNdK",{"x":45,"y":45,"zoom":46,"background":47},{"id":4611,"type":51,"tags":4612,"lang":20,"slug":4613,"first_publication_date":4614,"last_publication_date":4615,"data":4616,"link_type":71,"key":4627,"isBroken":36},"aEZYRBEAACMAwKkc",[],"shaynee-tan","2025-06-09T03:47:25+0000","2025-09-05T10:11:28+0000",{"name":4617,"picture":4621},[4618],{"type":59,"text":4619,"spans":4620,"direction":28},"Shaynee Tan",[],{"dimensions":4622,"alt":8,"copyright":8,"url":4623,"id":4624,"edit":4625},{"width":64,"height":64},"https://images.prismic.io/dive/aEZYI7h8WN-LV4dv_001734620014.JPEG?auto=format,compress&rect=261,0,1024,1024&w=100&h=100","aEZYI7h8WN-LV4dv",{"x":4626,"y":45,"zoom":46,"background":47},261,"836188db-4ec6-4601-8c2a-0ac28a0c48b3",[4629,4649,4725,4824,4909,4913,4923,4939,5085,5097,5187,5199,5334,5346,5508,5517,5529,5773,5783,5795,5821,5826,5906,5946,6006,6010,6039,6046,6054,6062,6070,6078,6086,6094,6102,6110,6118,6126,6134,6145,6149,6156,6199],{"primary":4630,"items":4647,"id":4648,"slice_type":112,"slice_label":8},{"text":4631},[4632,4635,4638],{"type":59,"text":4633,"spans":4634,"direction":28},"Singapore brands run year-round birthday perks - free buffets, free slices of cake, member-only drinks, percentage-off vouchers and surprise gifts. Almost all of them require you to sign up to a free loyalty programme at least 2-4 weeks before your birthday month so the system can flag your account. ",[],{"type":59,"text":4636,"spans":4637,"direction":28},"The deals on this page are organised by category below; the editor picks and treat-type filter table at the top help you grab the best ones first.",[],{"type":59,"text":4639,"spans":4640,"direction":28},"TL;DR: the greatest trick to discovering always up-to-date birthday deals is through this link at div.sg/birthday. You'll be pleasantly surprised how easy to stay current to all the birthday deals and treats without browsing through long blog posts like this (we check all the deals validity) 😉",[4641,4643,4646],{"start":45,"end":1508,"type":4642},"em",{"start":2095,"end":4317,"type":129,"data":4644},{"link_type":131,"url":4645,"target":133},"http://div.sg/birthday",{"start":2095,"end":4317,"type":95},[],"text$14464d58-a1c3-43c8-83f7-d498fe5de781",{"primary":4650,"items":4655,"id":4724,"slice_type":3582,"slice_label":8},{"table_title":4651},[4652],{"type":360,"text":4653,"spans":4654},"Editor picks: best birthday deals in Singapore",[],[4656,4664,4674,4684,4694,4704,4714],{"col1":4657,"col2":4661},[4658],{"type":59,"text":4659,"spans":4660,"direction":28},"Best pick",[],[4662],{"type":59,"text":3522,"spans":4663,"direction":28},[],{"col1":4665,"col2":4670},[4666],{"type":59,"text":4667,"spans":4668},"Best free birthday buffet",[4669],{"start":45,"end":1473,"type":95},[4671],{"type":59,"text":4672,"spans":4673,"direction":28},"Suki-Ya - dine free with 3 paying adults, valid the full birthday month at any outlet (incl. Suki-Ya KIN)",[],{"col1":4675,"col2":4680},[4676],{"type":59,"text":4677,"spans":4678},"Best free birthday cake",[4679],{"start":45,"end":3563,"type":95},[4681],{"type":59,"text":4682,"spans":4683,"direction":28},"Cedele or Starbucks members - free slice of cake on your birthday with any beverage purchase",[],{"col1":4685,"col2":4690},[4686],{"type":59,"text":4687,"spans":4688},"Best big-ticket food gift",[4689],{"start":45,"end":1473,"type":95},[4691],{"type":59,"text":4692,"spans":4693,"direction":28},"The Boiler or Cajun on Wheels - free Boston Lobster on your birthday month with the right set",[],{"col1":4695,"col2":4700},[4696],{"type":59,"text":4697,"spans":4698},"Best high-value voucher",[4699],{"start":45,"end":3563,"type":95},[4701],{"type":59,"text":4702,"spans":4703,"direction":28},"Harry's Singapore - up to $100 off birthday vouchers, valid the entire birthday month",[],{"col1":4705,"col2":4710},[4706],{"type":59,"text":4707,"spans":4708},"Best beauty / shopping pick",[4709],{"start":45,"end":172,"type":95},[4711],{"type":59,"text":4712,"spans":4713,"direction":28},"Sephora - 2x bonus points, complimentary Benefit Brow Bar service and a free Fresh facial for Gold + Black members",[],{"col1":4715,"col2":4720},[4716],{"type":59,"text":4717,"spans":4718},"Best experience pick",[4719],{"start":45,"end":950,"type":95},[4721],{"type":59,"text":4722,"spans":4723,"direction":28},"Wild Wild Wet - complimentary day pass for you and a friend (Premium membership)",[],"table$8674cde3-d410-4e62-841d-5e7f847d754c",{"primary":4726,"items":4731,"id":4823,"slice_type":3582,"slice_label":8},{"table_title":4727},[4728],{"type":360,"text":4729,"spans":4730},"Birthday treats by type",[],[4732,4743,4753,4763,4773,4783,4793,4803,4813],{"col1":4733,"col2":4738},[4734],{"type":59,"text":4735,"spans":4736},"Treat type",[4737],{"start":45,"end":3691,"type":95},[4739],{"type":59,"text":4740,"spans":4741},"Where to claim",[4742],{"start":45,"end":782,"type":95},{"col1":4744,"col2":4749},[4745],{"type":59,"text":4746,"spans":4747},"Free buffet on your birthday",[4748],{"start":45,"end":3240,"type":95},[4750],{"type":59,"text":4751,"spans":4752},"Suki-Ya, Suki-Suki Thai Hot Pot, Shin Minori (Omizu lunch buffet)",[],{"col1":4754,"col2":4759},[4755],{"type":59,"text":4756,"spans":4757},"Free slice of cake",[4758],{"start":45,"end":105,"type":95},[4760],{"type":59,"text":4761,"spans":4762},"Starbucks, Cedele, Mount Faber Leisure Group, Swensen's, The Connoisseur Concerto, O' Coffee Club, Rocky Master",[],{"col1":4764,"col2":4769},[4765],{"type":59,"text":4766,"spans":4767},"Free drink",[4768],{"start":45,"end":3691,"type":95},[4770],{"type":59,"text":4771,"spans":4772},"Boost Juice Bar, Mr Coconut, LiHO Tea, Starbucks",[],{"col1":4774,"col2":4779},[4775],{"type":59,"text":4776,"spans":4777},"Free protein (gyoza / sashimi / lobster)",[4778],{"start":45,"end":760,"type":95},[4780],{"type":59,"text":4781,"spans":4782},"Bari-Uma Ramen, Hakata Ikkousha, Tanuki Raw, The Boiler, Cajun on Wheels",[],{"col1":4784,"col2":4789},[4785],{"type":59,"text":4786,"spans":4787},"Birthday voucher ($5-$100)",[4788],{"start":45,"end":2502,"type":95},[4790],{"type":59,"text":4791,"spans":4792},"Seoul Garden ($20), The Soup Spoon ($5), Spizza ($20), KrisShop ($30 off $300), Harry's (up to $100), Smiggle ($5), Paradise Group ($50), Haidilao (up to $60)",[],{"col1":4794,"col2":4799},[4795],{"type":59,"text":4796,"spans":4797},"Birthday discount (15-50%)",[4798],{"start":45,"end":2502,"type":95},[4800],{"type":59,"text":4801,"spans":4802},"Hei Sushi, Greendot, COCA Steamboat, La Brasserie, Auntie Anne's, Bata, Timberland, Goldlion, Metro, MUJI",[],{"col1":4804,"col2":4809},[4805],{"type":59,"text":4806,"spans":4807},"Member rebates / points",[4808],{"start":45,"end":3563,"type":95},[4810],{"type":59,"text":4811,"spans":4812},"Paradise Group (20% P$), Sephora (2x), Lancome (2x), Sulwhasoo (2x), Mandai (30% off Wildlife Tours)",[],{"col1":4814,"col2":4819},[4815],{"type":59,"text":4816,"spans":4817},"Free birthday gift",[4818],{"start":45,"end":105,"type":95},[4820],{"type":59,"text":4821,"spans":4822},"Clinique, Lancome, Cotton On, OSIM, Don Don Donki, Pet Lovers Centre, Marche Movenpick",[],"table$0822e994-46a1-404e-9e40-9d28ed397aaf",{"primary":4825,"items":4907,"id":4908,"slice_type":112,"slice_label":8},{"text":4826},[4827,4829,4836,4842,4848,4854,4860,4866,4872,4878,4884,4890,4896,4902],{"type":78,"text":122,"spans":4828,"direction":28},[],{"type":364,"text":4830,"spans":4831,"direction":28},"Food deals",[4832],{"start":45,"end":3691,"type":129,"data":4833},{"link_type":131,"url":4834,"target":4835},"#food","_self",{"type":364,"text":4837,"spans":4838,"direction":28},"Korean and Japanese restaurants",[4839],{"start":45,"end":698,"type":129,"data":4840},{"link_type":131,"url":4841,"target":4835},"#korean-japanese",{"type":364,"text":4843,"spans":4844,"direction":28},"Asian restaurants",[4845],{"start":45,"end":788,"type":129,"data":4846},{"link_type":131,"url":4847,"target":4835},"#asian",{"type":364,"text":4849,"spans":4850,"direction":28},"Western restaurants",[4851],{"start":45,"end":1087,"type":129,"data":4852},{"link_type":131,"url":4853,"target":4835},"#western",{"type":364,"text":4855,"spans":4856,"direction":28},"Beverages and desserts",[4857],{"start":45,"end":567,"type":129,"data":4858},{"link_type":131,"url":4859,"target":4835},"#beverages-desserts",{"type":364,"text":4861,"spans":4862,"direction":28},"Shopping and beauty",[4863],{"start":45,"end":1087,"type":129,"data":4864},{"link_type":131,"url":4865,"target":4835},"#shopping",{"type":364,"text":4867,"spans":4868,"direction":28},"Experiences and attractions",[4869],{"start":45,"end":172,"type":129,"data":4870},{"link_type":131,"url":4871,"target":4835},"#experiences",{"type":364,"text":4873,"spans":4874,"direction":28},"More food and dining picks",[4875],{"start":45,"end":2502,"type":129,"data":4876},{"link_type":131,"url":4877,"target":4835},"#more-food-and-dining-picks",{"type":364,"text":4879,"spans":4880,"direction":28},"More shopping and lifestyle",[4881],{"start":45,"end":172,"type":129,"data":4882},{"link_type":131,"url":4883,"target":4835},"#more-shopping-and-lifestyle",{"type":364,"text":4885,"spans":4886,"direction":28},"Banks and telcos",[4887],{"start":45,"end":103,"type":129,"data":4888},{"link_type":131,"url":4889,"target":4835},"#banks-and-telcos",{"type":364,"text":4891,"spans":4892,"direction":28},"How birthday deals work",[4893],{"start":45,"end":3563,"type":129,"data":4894},{"link_type":131,"url":4895,"target":4835},"#how-birthday-deals-work-in-singapore",{"type":364,"text":4897,"spans":4898,"direction":28},"FAQ: birthday deals in Singapore",[4899],{"start":45,"end":869,"type":129,"data":4900},{"link_type":131,"url":4901,"target":4835},"#faq-birthday-deals-in-singapore",{"type":364,"text":1293,"spans":4903,"direction":28},[4904],{"start":45,"end":782,"type":129,"data":4905},{"link_type":131,"url":4906,"target":4835},"#related-guides",[],"text$5a3b3764-548d-4915-97e0-1a42b272e1da",{"primary":4910,"items":4911,"id":4912,"slice_type":117,"slice_label":8},{},[],"divider$9d6e8971-98a2-46b5-9330-861f6a01446a",{"primary":4914,"items":4920,"id":4922,"slice_type":112,"slice_label":8},{"text":4915},[4916],{"type":78,"text":4917,"spans":4918},"Food",[4919],{"start":45,"end":556,"type":95},[4921],{},"text$2a4e8221-3f22-4c8c-ac13-23549ffe89f4",{"primary":4924,"items":4935,"id":4937,"slice_type":4938,"slice_label":8},{"image":4925,"caption":4932,"additional_link":4933,"anchor_id":8},{"dimensions":4926,"alt":8,"copyright":8,"url":4929,"id":4930,"edit":4931},{"width":4927,"height":4928},1200,676,"https://images.prismic.io/dive/65cd65ad9be9a5b998b5d5cd_BIRTHDAYDEALSBLOGCOVER-2-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1lrZvppbmYtdXN",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},"Any",[4936],{},"image_with_caption$8b73bf9e-2fe6-4b44-a693-8212440591f1","image_with_caption",{"primary":4940,"items":5082,"id":5084,"slice_type":112,"slice_label":8},{"text":4941},[4942,4945,4952,4955,4965,4968,4971,4978,4981,4986,4990,4996,5000,5006,5009,5015,5018,5025,5028,5036,5039,5046,5049,5053,5056,5063,5066,5073,5076,5079],{"type":78,"text":4943,"spans":4944,"direction":28},"Korean & Japanese",[],{"type":59,"text":4946,"spans":4947,"direction":28},"1. Suki-Ya - Dine FREE on your birthday",[4948,4949],{"start":45,"end":3691,"type":95},{"start":244,"end":3691,"type":129,"data":4950},{"link_type":131,"url":4951,"target":133},"https://divedeals.sg/brands/Suki-Ya",{"type":59,"text":4953,"spans":4954,"direction":28},"Suki-ya birthday treat! Dine FREE on your birthday with 3 paying adults Available at all outlets, including Suki-Ya KIN Promo can be used during the whole birthday month",[],{"type":59,"text":4956,"spans":4957,"direction":28},"2. Shin Minori - Member Birthday Perks",[4958,4959,4962],{"start":45,"end":782,"type":95},{"start":244,"end":782,"type":129,"data":4960},{"link_type":131,"url":4961,"target":133},"https://divedeals.sg/brands/Shin-Minori",{"start":788,"end":3723,"type":129,"data":4963},{"link_type":131,"url":4964,"target":133},"https://divedeals.sg/deals/food/Shin-Minori-March-Birthday-Specials-Get-Free-Treats-1772507506_ShinMinori",{"type":364,"text":4966,"spans":4967,"direction":28},"Bronze and Silver Tier: - Omizu Ala-carte lunch buffet on Birthday Month (Worth $74) - Free bottle of 300ml Sake and Sushi Cake on Birthday Month (Worth $80) ",[],{"type":364,"text":4969,"spans":4970,"direction":28},"Gold and Platinum Black Tier: Get 2x points on your birthday month! (S$1 = 2 SM Points) - Free Omizu Ala-carte lunch buffet on Birthday Month (Worth $74) - Free bottle of 300ml Sake and Sushi Cake on Birthday Month (Worth $80)",[],{"type":59,"text":4972,"spans":4973,"direction":28},"3. Bari-Uma Ramen - Free gyoza birthday promotion",[4974,4975],{"start":45,"end":1087,"type":95},{"start":244,"end":788,"type":129,"data":4976},{"link_type":131,"url":4977,"target":133},"https://divedeals.sg/brands/Bari-Uma-Ramen",{"type":59,"text":4979,"spans":4980,"direction":28},"Customers whose birthdays fall within the current month can receive FREE Gyoza equal to their age by ordering Ramen or Fried Rice! ",[],{"type":59,"text":4982,"spans":4983,"direction":28},"*Available exclusively at the Bari-Uma Novena Garden Outlet.",[4984],{"start":1422,"end":3723,"type":129,"data":4985},{"link_type":131,"url":4977,"target":133},{"type":59,"text":4987,"spans":4988,"direction":28},"4. Genki Sushi - Birthday discount",[4989],{"start":45,"end":788,"type":95},{"type":59,"text":4991,"spans":4992,"direction":28},"Genki Club and Genki Premium members can enjoy the benefits of a birthday discount!",[4993],{"start":45,"end":1767,"type":129,"data":4994},{"link_type":131,"url":4995,"target":133},"https://divedeals.sg/brands/Genki-Sushi",{"type":59,"text":4997,"spans":4998,"direction":28},"5. Tanuki Raw ",[4999],{"start":45,"end":782,"type":95},{"type":364,"text":5001,"spans":5002,"direction":28},"Salmon birthday special",[5003],{"start":45,"end":3563,"type":129,"data":5004},{"link_type":131,"url":5005,"target":133},"https://divedeals.sg/deals/food/Tanuki-Raw-Salmon-birthday-special-1742797829_TanukiRaw ",{"type":59,"text":5007,"spans":5008,"direction":28},"Celebrate your birthday at Tanuki Raw Jewel Changi Airport or Cross Street Exchange and enjoy our special birthday salmon promotion! A complimentary slice of salmon sashimi for every year. Turning 35 years old? 35 slices of salmon sashimi free!",[],{"type":364,"text":5010,"spans":5011,"direction":28}," Birthday wine special",[5012],{"start":45,"end":567,"type":129,"data":5013},{"link_type":131,"url":5014,"target":133},"https://divedeals.sg/deals/food/Tanuki-Raw-Birthday-wine-special-1742797848_TanukiRaw",{"type":59,"text":5016,"spans":5017,"direction":28},"Let the wine flow when celebrating your birthday at Tanuki Raw’s Orchard Central branch!",[],{"type":59,"text":5019,"spans":5020,"direction":28},"6. Café&Meal MUJI - $2 Off any set meal",[5021,5022],{"start":45,"end":1087,"type":95},{"start":950,"end":484,"type":129,"data":5023},{"link_type":131,"url":5024,"target":4835},"https://divedeals.sg/deals/food/Caf%C3%A9Meal-MUJI-2-OFF-any-Set-Meal-1774423426_CafMealMUJI ",{"type":59,"text":5026,"spans":5027,"direction":28},"Applicable with Deli Set or Donburi purchase in a single receipt",[],{"type":59,"text":5029,"spans":5030,"direction":28},"7. Hakata Ikkousha Ramen - Free Gyoza on your birthday",[5031,5033],{"start":45,"end":5032,"type":95},24,{"start":244,"end":5032,"type":129,"data":5034},{"link_type":131,"url":5035,"target":133},"https://divedeals.sg/brands/Hakata-Ikkousha-Ramen",{"type":59,"text":5037,"spans":5038,"direction":28},"Celebrate your special day with us & enjoy Gyoza as numerous as your age that promises to make your special day even more memorable.",[],{"type":59,"text":5040,"spans":5041,"direction":28},"8. Hei Sushi - Up to 20% Off",[5042,5043],{"start":45,"end":94,"type":95},{"start":97,"end":3240,"type":129,"data":5044},{"link_type":131,"url":5045,"target":4835},"https://divedeals.sg/deals/food/Hei-Sushi-Up-to-20-off-1769375075_HeiSushi ",{"type":59,"text":5047,"spans":5048,"direction":28},"Valid for ala carte items only. ",[],{"type":59,"text":5050,"spans":5051,"direction":28},"9. Seoul Garden - $20 Birthday Voucher",[5052],{"start":45,"end":103,"type":95},{"type":59,"text":5054,"spans":5055,"direction":28},"Sign up for a free membership to receive $20 birthday voucher.",[],{"type":59,"text":5057,"spans":5058,"direction":28},"10. Don Don Donki - Surprise Birthday Gift ",[5059,5060],{"start":45,"end":105,"type":95},{"start":950,"end":2509,"type":129,"data":5061},{"link_type":131,"url":5062,"target":4835},"https://divedeals.sg/deals/food/DON-DON-DONKI-Surprise-Birthday-Gift-1769373658_DONDONDONKI ",{"type":59,"text":5064,"spans":5065,"direction":28},"Sign up for FREE and enjoy lifetime DONKI member perks! Get ready for flash deals, birthday surprises, and cash coupons!",[],{"type":59,"text":5067,"spans":5068,"direction":28},"11. Commonwealth Concepts - 3 x 30% Off ",[5069,5070],{"start":45,"end":2502,"type":95},{"start":3240,"end":760,"type":129,"data":5071},{"link_type":131,"url":5072,"target":4835},"https://divedeals.sg/deals/food/Commonwealth-Concepts-Up-to-3-x-30-Birthday-Discount-1774523425_CommonwealthConcepts ",{"type":364,"text":5074,"spans":5075,"direction":28},"Plus 1: 25% Off",[],{"type":364,"text":5077,"spans":5078,"direction":28},"Plus 2:  2 x 25% off birthday vouchers",[],{"type":364,"text":5080,"spans":5081,"direction":28},"Plus 3 members: 3 x 30% off vouchers.",[],[5083],{},"text$f90ec675-d4f3-450b-b48f-520933095623",{"primary":5086,"items":5094,"id":5096,"slice_type":4938,"slice_label":8},{"image":5087,"caption":5092,"additional_link":5093,"anchor_id":8},{"dimensions":5088,"alt":8,"copyright":8,"url":5089,"id":5090,"edit":5091},{"width":4927,"height":4928},"https://images.prismic.io/dive/65cd669d9be9a5b998b5d5ce_BIRTHDAYDEALSBLOGCOVER-3-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1mnZvppbmYtdXO",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},[5095],{},"image_with_caption$0317e7c6-2a28-4b04-a2f0-1914b30e1424",{"primary":5098,"items":5184,"id":5186,"slice_type":112,"slice_label":8},{"text":5099},[5100,5103,5115,5118,5128,5131,5138,5141,5148,5151,5154,5157,5160,5168,5171,5178,5181],{"type":78,"text":5101,"spans":5102,"direction":28},"Asian",[],{"type":59,"text":5104,"spans":5105,"direction":28},"12. Paradise Group - 20% rebates & $50 e-birthday vouchers",[5106,5107,5110],{"start":45,"end":950,"type":95},{"start":556,"end":105,"type":129,"data":5108},{"link_type":131,"url":5109,"target":4835},"https://divedeals.sg/brands/Paradise-Group",{"start":5111,"end":5112,"type":129,"data":5113},21,58,{"link_type":131,"url":5114,"target":133},"https://divedeals.sg/deals/food/Paradise-Group-20-P-rebates--50-birthday-e-vouchers-1769365845_ParadiseGroup",{"type":59,"text":5116,"spans":5117,"direction":28},"Earn 20% P$ rebates on your birthday month over unlimited visits. Receive a one-time $50 birthday e-voucher with minimum $100 spend credited into your account during birthday month.",[],{"type":59,"text":5119,"spans":5120,"direction":28},"13. Suki-Suki Thai Hot Pot - Dine for free on your birthday",[5121,5122,5125],{"start":45,"end":2502,"type":95},{"start":556,"end":2502,"type":129,"data":5123},{"link_type":131,"url":5124,"target":133},"https://divedeals.sg/brands/Suki-Suki-Thai-Hot-Pot",{"start":3144,"end":1047,"type":129,"data":5126},{"link_type":131,"url":5127,"target":133},"https://divedeals.sg/deals/food/Suki-Suki-Thai-Hot-Pot-Dine-for-free-on-your-birthday-1769365923_SukiSukiThaiHotPot",{"type":59,"text":5129,"spans":5130,"direction":28},"Dine Free on your birthday month at Suki-Suki Hotpot! Min. 2 pax! Time to jio your mother, father, bff or partner along, so you can eat for free!",[],{"type":59,"text":5132,"spans":5133,"direction":28},"14. Shihlin Taiwan Street Snacks - 1-for-1 ala carte snack birthday reward",[5134,5135],{"start":45,"end":869,"type":95},{"start":138,"end":421,"type":129,"data":5136},{"link_type":131,"url":5137,"target":133},"https://divedeals.sg/deals/food/Shihlin-Taiwan-Street-Snacks-1-for-1-ala-carte-snack-birthday-reward-1769365967_ShihlinTaiwanStreetSnacks",{"type":59,"text":5139,"spans":5140,"direction":28},"Another birthday deal exclusively for members - enjoy a 20% off e-voucher that is redeemable during your birthday month only.  ",[],{"type":59,"text":5142,"spans":5143,"direction":28},"15. 海底捞 Haidilao Hot Pot - Up to $60 Birthday Voucher",[5144,5145],{"start":45,"end":5032,"type":95},{"start":172,"end":165,"type":129,"data":5146},{"link_type":131,"url":5147,"target":133},"https://divedeals.sg/deals/food/海底捞-Haidilao-Hot-Pot-Up-to-60-Birthday-Voucher-1769366023_HaidilaoHotPot#z1zRS99AanVIedKbo6131aBxUR23",{"type":59,"text":5149,"spans":5150,"direction":28},"Each member who has filled in his/her birthday information in the system can get a birthday coupon on the first day of his/her birthday month.",[],{"type":364,"text":5152,"spans":5153,"direction":28},"Red/Silver Member can get a 20 SGD discount voucher; Gold Member can get two; and Premium Member can get three. ",[],{"type":364,"text":5155,"spans":5156,"direction":28},"Each voucher, valid for 30 days, can be used upon purchase over 100 SGD.",[],{"type":364,"text":5158,"spans":5159,"direction":28},"If a member provides his/her birthday information right in his/her birthday month, he/she will get voucher on the first day of the birthday month in the following year.",[],{"type":59,"text":5161,"spans":5162,"direction":28}," 16. COCA Steamboat - Get 50% Off Signature Buffet and a complimentary Chef's Special",[5163,5164],{"start":45,"end":950,"type":95},{"start":567,"end":5165,"type":129,"data":5166},85,{"link_type":131,"url":5167,"target":4835},"https://divedeals.sg/deals/food/COCA-Get-50-Off-Signature-Buffet-1769364238_COCA",{"type":59,"text":5169,"spans":5170,"direction":28},"Promotion is only applicable for COCA Members (Free sign up of COCA Membership for a limited time only). Promotion is valid for Signature Buffet only.",[],{"type":59,"text":5172,"spans":5173,"direction":28},"17. Greendot - Up to 30% Off Birthday Voucher",[5174,5175],{"start":45,"end":94,"type":95},{"start":97,"end":179,"type":129,"data":5176},{"link_type":131,"url":5177,"target":4835},"https://divedeals.sg/deals/food/Greendot-Enjoy-up-to-30-birthday-voucher-1774518347_Greendot ",{"type":364,"text":5179,"spans":5180,"direction":28},"Green Tier: 20% Birthday Voucher",[],{"type":364,"text":5182,"spans":5183,"direction":28},"Gold Tier: 30% Birthday Voucher + Free cake @ Greendot Jewel",[],[5185],{},"text$eaa74f1f-ca7c-409b-b5b2-6a2c17ec27a9",{"primary":5188,"items":5196,"id":5198,"slice_type":4938,"slice_label":8},{"image":5189,"caption":5194,"additional_link":5195,"anchor_id":8},{"dimensions":5190,"alt":8,"copyright":8,"url":5191,"id":5192,"edit":5193},{"width":4927,"height":4928},"https://images.prismic.io/dive/65cd67339be9a5b998b5d5cf_BIRTHDAYDEALSBLOGCOVER-4-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1nM5vppbmYtdXP",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},[5197],{},"image_with_caption$0da78027-b465-46aa-a592-ba348334d422",{"primary":5200,"items":5331,"id":5333,"slice_type":112,"slice_label":8},{"text":5201},[5202,5205,5215,5218,5222,5225,5228,5235,5238,5242,5245,5248,5251,5254,5258,5261,5265,5268,5275,5278,5285,5288,5295,5298,5305,5308,5311,5318,5321,5328],{"type":78,"text":5203,"spans":5204,"direction":28},"Western",[],{"type":59,"text":5206,"spans":5207,"direction":28},"18. Cajun on Wheels -  Free Lobster on your birthday month",[5208,5209,5212],{"start":45,"end":567,"type":95},{"start":556,"end":1087,"type":129,"data":5210},{"link_type":131,"url":5211,"target":133},"https://divedeals.sg/brands/Cajun-on-Wheels",{"start":567,"end":5112,"type":129,"data":5213},{"link_type":131,"url":5214,"target":133},"https://divedeals.sg/deals/food/Cajun-on-Wheels-Free-Lobster-on-your-birthday-month-1742797791_CajunonWheels ",{"type":59,"text":5216,"spans":5217,"direction":28},"Yet another reason to rejoice that you are a year older - Enjoy A Free Lobster With The Olympian Bucket On Your Birthday! Yummy!",[],{"type":59,"text":5219,"spans":5220,"direction":28},"19. The Boiler - Free Lobster on your birthday",[5221],{"start":45,"end":103,"type":95},{"type":59,"text":5223,"spans":5224,"direction":28},"Indulge in the celebration and make your birthday month extra special with 1 Free Boston Lobster with purchase of a Boiler’s Bombdiggity Bag for the birthday celebrant!* Whether you prefer to dine in or enjoy it from the comfort of your home, the treat continues!",[],{"type":59,"text":5226,"spans":5227,"direction":28},"This special promotion is exclusively for Members. Ensure to provide your full name and registered email address for seamless verification.",[],{"type":59,"text":5229,"spans":5230,"direction":28},"20. Spizza - $20 birthday voucher",[5231,5232],{"start":45,"end":94,"type":95},{"start":94,"end":1453,"type":129,"data":5233},{"link_type":131,"url":5234,"target":133},"https://divedeals.sg/deals/food/Spizza-20-birthday-voucher-1742798035_Spizza ",{"type":59,"text":5236,"spans":5237,"direction":28},"Join Spizza's membership programme for free and get a $20 voucher on your birthday month! A minimum spend of $40 will be required to use the $20 birthday voucher.",[],{"type":59,"text":5239,"spans":5240,"direction":28},"21. Lawry's The Prime Rib - Birthday Perks",[5241],{"start":45,"end":172,"type":95},{"type":59,"text":5243,"spans":5244,"direction":28},"Celebrate your birthday with us and enjoy these indulgences. ",[],{"type":364,"text":5246,"spans":5247,"direction":28},"FOR COUPLES / PARTY OF TWO: Order 1 Main Course and enjoy 50% off 2nd Main Course",[],{"type":364,"text":5249,"spans":5250,"direction":28},"FOR GROUPS: Order 2 Main Courses and enjoy 3rd Main Course on us! ",[],{"type":364,"text":5252,"spans":5253,"direction":28},"MORE BIRTHDAY PERKS: Complimentary Birthday Dessert Instant Photo Print Enjoy Chandon Brut/Sparkling Rosé at $89†",[],{"type":59,"text":5255,"spans":5256,"direction":28},"22. COLLIN'S - 20% off e-vouchers + birthday treat",[5257],{"start":45,"end":782,"type":95},{"type":59,"text":5259,"spans":5260,"direction":28},"20% off e-vouchers & birthday treat is only applicable to Collin's rewards silver and gold members",[],{"type":59,"text":5262,"spans":5263,"direction":28},"23. Marché Mövenpick - Birthday Surprise",[5264],{"start":45,"end":3563,"type":95},{"type":59,"text":5266,"spans":5267,"direction":28},"Receive a surprise from us when you dine with Marche Movenpick within your Birthday month!",[],{"type":59,"text":5269,"spans":5270,"direction":28},"24. The Soup Spoon - $5 Birthday voucher",[5271,5272],{"start":45,"end":950,"type":95},{"start":556,"end":105,"type":129,"data":5273},{"link_type":131,"url":5274,"target":133},"https://divedeals.sg/brands/The-Soup-Spoon",{"type":59,"text":5276,"spans":5277,"direction":28},"Sign up as a souperholic member to enjoy a $5 birthday voucher during your birthday month",[],{"type":59,"text":5279,"spans":5280,"direction":28},"25. Harry's Singapore - Up to $100 Off",[5281,5282],{"start":45,"end":3563,"type":95},{"start":556,"end":5111,"type":129,"data":5283},{"link_type":131,"url":5284,"target":133},"https://divedeals.sg/brands/Harry's-Singapore",{"type":59,"text":5286,"spans":5287,"direction":28},"Receive up to $100 off birthday vouchers to celebrate for the whole month!",[],{"type":59,"text":5289,"spans":5290,"direction":28},"26. IKEA - 3x Family Points Birthday Special",[5291,5292],{"start":45,"end":3691,"type":95},{"start":3702,"end":193,"type":129,"data":5293},{"link_type":131,"url":5294,"target":133},"https://divedeals.sg/deals/shopping/IKEA-3x-Family-Points-Birthday-Special-1774523702_IKEA ",{"type":59,"text":5296,"spans":5297,"direction":28},"Members get 3x Family points for your first purchase at either the IKEA stores, IKEA online store, Swedish Restaurant, Bistro or Food Market on your Birthday Month.",[],{"type":59,"text":5299,"spans":5300,"direction":28},"27. Auntie Anne's - Up to 25% Off",[5301,5302],{"start":45,"end":1087,"type":95},{"start":950,"end":1453,"type":129,"data":5303},{"link_type":131,"url":5304,"target":4835},"https://divedeals.sg/deals/food/Auntie-Annes-Up-to-25-off-birthday-voucher-1774577415_AuntieAnnes ",{"type":364,"text":5306,"spans":5307,"direction":28},"Blue tier member: 15% Voucher",[],{"type":364,"text":5309,"spans":5310,"direction":28},"Gold tier member: 25% Voucher",[],{"type":59,"text":5312,"spans":5313,"direction":28},"28. La Brasserie - 20% Off total bill",[5314,5315],{"start":45,"end":788,"type":95},{"start":1087,"end":2467,"type":129,"data":5316},{"link_type":131,"url":5317,"target":4835},"https://divedeals.sg/deals/food/La-Brasserie-20-Off-Bill-1769367061_LaBrasserie ",{"type":59,"text":5319,"spans":5320,"direction":28},"Gather your family and friends for a birthday celebration! Enjoy 20 percent off at La Brasserie. ",[],{"type":59,"text":5322,"spans":5323,"direction":28},"29. Peperoni Pizza - Complimentary Dessert",[5324,5325],{"start":45,"end":1087,"type":95},{"start":5111,"end":128,"type":129,"data":5326},{"link_type":131,"url":5327,"target":4835},"https://divedeals.sg/deals/food/Peperoni-Pizzeria-Enjoy-a-complimentary-birthday-dessert-1774423783_PeperoniPizzeria ",{"type":59,"text":5329,"spans":5330,"direction":28},"Celebrate your special day with us and enjoy a complimentary birthday dessert on the house!",[],[5332],{},"text$e8048e11-c4e5-4c9f-9904-e556889b9e61",{"primary":5335,"items":5343,"id":5345,"slice_type":4938,"slice_label":8},{"image":5336,"caption":5341,"additional_link":5342,"anchor_id":8},{"dimensions":5337,"alt":8,"copyright":8,"url":5338,"id":5339,"edit":5340},{"width":4927,"height":4928},"https://images.prismic.io/dive/65cd67d89be9a5b998b5d5d1_BIRTHDAYDEALSBLOGCOVER-5-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1n2JvppbmYtdXR",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},[5344],{},"image_with_caption$cd6743de-e26b-42ad-a153-98c6bd1ba20f",{"primary":5347,"items":5505,"id":5507,"slice_type":112,"slice_label":8},{"text":5348},[5349,5352,5359,5362,5370,5373,5376,5383,5386,5389,5396,5399,5407,5410,5413,5416,5423,5426,5430,5433,5436,5444,5447,5450,5457,5460,5468,5471,5474,5482,5485,5488,5491,5499,5501,5503],{"type":78,"text":5350,"spans":5351,"direction":28},"Beverages & Desserts",[],{"type":59,"text":5353,"spans":5354,"direction":28},"30. Cat & the Fiddle Cakes - Birthday Discount Vouchers",[5355,5356],{"start":45,"end":172,"type":95},{"start":3144,"end":106,"type":129,"data":5357},{"link_type":131,"url":5358,"target":4835},"https://divedeals.sg/deals/food/Cat--the-Fiddle-Cakes-Birthday-Discount-Vouchers-1769365623_CattheFiddleCakes",{"type":59,"text":5360,"spans":5361,"direction":28},"Enjoy special birthday vouchers (e.g free sliced cake, free coffee/tea, discount vouchers) during your birthday month as a Furriend! ",[],{"type":59,"text":5363,"spans":5364,"direction":28},"31. Mount Faber Leisure Group - Complimentary Birthday Cake (500g)",[5365,5366],{"start":45,"end":1422,"type":95},{"start":869,"end":5367,"type":129,"data":5368},66,{"link_type":131,"url":5369,"target":4835},"https://divedeals.sg/deals/food/Mount-Faber-Leisure-Group-Complimentary-500g-birthday-cake-1774432156_MountFaberLeisureGroup",{"type":59,"text":5371,"spans":5372,"direction":28},"20% Off Total Bill* (After 6pm, min. spending of $50 applies)",[],{"type":59,"text":5374,"spans":5375,"direction":28},"*Applicable to ala carte items only",[],{"type":59,"text":5377,"spans":5378,"direction":28},"32. Mr Coconut - Any drinks of your choice",[5379,5380],{"start":45,"end":782,"type":95},{"start":788,"end":128,"type":129,"data":5381},{"link_type":131,"url":5382,"target":4835},"https://divedeals.sg/deals/food/Mr-Coconut-Any-free-drink-of-your-choice--5-free-nuts-1769366326_MrCoconut",{"type":364,"text":5384,"spans":5385,"direction":28},"Baby coconut: Any Mr Coconut item of your choice + 5 free nuts",[],{"type":364,"text":5387,"spans":5388,"direction":28},"Super coconut: Any 2x Mr Coconut items of your choice",[],{"type":59,"text":5390,"spans":5391,"direction":28},"33. Boost Juice Bar - Free Boost drink on your birthday",[5392,5393],{"start":45,"end":1087,"type":95},{"start":567,"end":106,"type":129,"data":5394},{"link_type":131,"url":5395,"target":4835},"https://divedeals.sg/deals/food/Boost-Juice-Bar-Free-Boost-drink-on-your-birthday-1769366620_BoostJuiceBar",{"type":59,"text":5397,"spans":5398,"direction":28},"Join Boost Vibe club to enjoy free boost drink on your birthday",[],{"type":59,"text":5400,"spans":5401,"direction":28},"34. Cedele - Free slice of cake & 15% off total bill",[5402,5403],{"start":45,"end":3691,"type":95},{"start":5404,"end":145,"type":129,"data":5405},12,{"link_type":131,"url":5406,"target":4835},"https://divedeals.sg/deals/food/Cedele-Free-slice-of-cake--15-off-total-bill-1769367226_Cedele",{"type":364,"text":5408,"spans":5409,"direction":28},"Get a Free slice of cake with any beverage purchased in any of our stores",[],{"type":364,"text":5411,"spans":5412,"direction":28},"Get 15% off total bill with min. spend of $50",[],{"type":364,"text":5414,"spans":5415,"direction":28},"Get 15% off online voucher with min. spend of $80",[],{"type":59,"text":5417,"spans":5418,"direction":28},"35. Golden Village - Complimentary Dessert",[5419,5420],{"start":45,"end":105,"type":95},{"start":5111,"end":128,"type":129,"data":5421},{"link_type":131,"url":5422,"target":4835},"https://divedeals.sg/deals/experience/Golden-Village-Complimentary-dessert-1769367867_GoldenVillage",{"type":59,"text":5424,"spans":5425,"direction":28},"GV movie club members can enjoy a complimentary dessert on their birthday month",[],{"type":59,"text":5427,"spans":5428,"direction":28},"36. LiHO Tea - Free drink on birthday month",[5429],{"start":45,"end":94,"type":95},{"type":364,"text":5431,"spans":5432,"direction":28},"Silver member: 1 free medium-sized drink",[],{"type":364,"text":5434,"spans":5435,"direction":28},"Gold member: 2 medium + 1 large-sized drink",[],{"type":59,"text":5437,"spans":5438,"direction":28},"37. Swensen's - Complimentary Firehouse Sundae OR 20% off Birthday Cakes",[5439,5440],{"start":45,"end":94,"type":95},{"start":103,"end":5441,"type":129,"data":5442},72,{"link_type":131,"url":5443,"target":4835},"https://divedeals.sg/deals/food/Swensens-20-off-birthday-cakes-1769365793_Swensens ",{"type":59,"text":5445,"spans":5446,"direction":28},"Make it extra special with complimentary Firehouse Happy Birthday Sundae on your birthday!* OR 20% off your birthday cake",[],{"type":59,"text":5448,"spans":5449,"direction":28},"*Applicable to Cool Rewards Members",[],{"type":59,"text":5451,"spans":5452,"direction":28},"38. Starbucks - Free slice of cake or free drink",[5453,5454],{"start":45,"end":94,"type":95},{"start":103,"end":158,"type":129,"data":5455},{"link_type":131,"url":5456,"target":4835},"https://divedeals.sg/deals/food/Starbucks-Free-Birthday-Slice-of-CakeDrink-1769366140_Starbucks",{"type":59,"text":5458,"spans":5459,"direction":28},"Members of Starbucks Coffee can enjoy complimentary choice of beverage or slice of cake. ",[],{"type":59,"text":5461,"spans":5462,"direction":28},"39. The Connoisseur Concerto - Up to 50% Rebates + Birthday Sliced Cake",[5463,5464],{"start":45,"end":3240,"type":95},{"start":698,"end":5465,"type":129,"data":5466},71,{"link_type":131,"url":5467,"target":4835},"https://divedeals.sg/deals/food/The-Connoisseur-Concerto-Up-to-50-rebate-with-birthday-sliced-cake-1774424743_TheConnoisseurConcerto",{"type":364,"text":5469,"spans":5470,"direction":28},"Lifestyle member: Double rebates for first 4 transactions (equivalent to 30%) + Complimentary slice of birthday cake e-voucher",[],{"type":364,"text":5472,"spans":5473,"direction":28},"Prestige member: Double rebates for first 4 transactions (equivalent to 50%) + Complimentary slice of birthday cake e-voucher",[],{"type":59,"text":5475,"spans":5476,"direction":28},"40. O' Coffee Club - Free Birthday Sliced Cake + Up to 30% Rebate",[5477,5478],{"start":45,"end":105,"type":95},{"start":5111,"end":5479,"type":129,"data":5480},65,{"link_type":131,"url":5481,"target":4835},"https://divedeals.sg/deals/food/OCoffee-Club-Free-sliced-cake-and-up-to-30-rebates-1774425030_OCoffeeClub ",{"type":364,"text":5483,"spans":5484,"direction":28},"Subscriber members: 20%* birthday rebate ",[],{"type":364,"text":5486,"spans":5487,"direction":28},"Lifestyle members: 25%* birthday rebate ",[],{"type":364,"text":5489,"spans":5490,"direction":28},"Prestige members: 30%* birthday rebate",[],{"type":59,"text":5492,"spans":5493,"direction":28},"41. Rocky Master - Free Birthday Sliced Cake + Up to 30% Rebate",[5494,5495],{"start":45,"end":788,"type":95},{"start":1087,"end":5496,"type":129,"data":5497},63,{"link_type":131,"url":5498,"target":4835},"https://divedeals.sg/deals/food/Rocky-Master-Free-sliced-cake-and-up-to-30-rebates-1774425740_RockyMaster ",{"type":364,"text":5483,"spans":5500,"direction":28},[],{"type":364,"text":5486,"spans":5502,"direction":28},[],{"type":364,"text":5489,"spans":5504,"direction":28},[],[5506],{},"text$cc29f378-0ca0-4b43-a4ea-f2bb18777b9d",{"primary":5509,"items":5515,"id":5516,"slice_type":112,"slice_label":8},{"text":5510},[5511],{"type":78,"text":5512,"spans":5513,"direction":28},"Shopping",[5514],{"start":45,"end":238,"type":95},[],"text$706d4dbb-d21b-423c-b8a3-ef32a9ce2321",{"primary":5518,"items":5526,"id":5528,"slice_type":4938,"slice_label":8},{"image":5519,"caption":5524,"additional_link":5525,"anchor_id":8},{"dimensions":5520,"alt":8,"copyright":8,"url":5521,"id":5522,"edit":5523},{"width":4927,"height":4928},"https://images.prismic.io/dive/65cd68b39be9a5b998b5d5d2_BIRTHDAYDEALSBLOGCOVER-6-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1os5vppbmYtdXS",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},[5527],{},"image_with_caption$886d1036-5dd8-41e9-ad1a-09cd5ad280c6",{"primary":5530,"items":5770,"id":5772,"slice_type":112,"slice_label":8},{"text":5531},[5532,5539,5542,5549,5555,5562,5568,5575,5581,5588,5594,5598,5604,5608,5614,5618,5621,5625,5631,5635,5641,5648,5654,5657,5661,5664,5667,5670,5676,5679,5686,5692,5696,5699,5703,5706,5710,5713,5720,5728,5735,5738,5741,5745,5748,5755,5758,5761,5764,5767],{"type":59,"text":5533,"spans":5534,"direction":28},"42. Smiggle - $5 birthday voucher",[5535,5536],{"start":45,"end":3702,"type":95},{"start":782,"end":1453,"type":129,"data":5537},{"link_type":131,"url":5538,"target":133},"https://divedeals.sg/deals/apparel/Smiggle-5-birthday-voucher-1774523226_Smiggle ",{"type":59,"text":5540,"spans":5541,"direction":28},"Be a Smiggle VIP to enjoy a $5 voucher on your birthday",[],{"type":59,"text":5543,"spans":5544,"direction":28},"43. Clinique - Free Birthday Gift",[5545,5546],{"start":45,"end":5404,"type":95},{"start":97,"end":1453,"type":129,"data":5547},{"link_type":131,"url":5548,"target":133},"https://divedeals.sg/deals/shopping/Clinique-Free-Birthday-Gift-1774576412_Clinique ",{"type":59,"text":5550,"spans":5551,"direction":28},"If you are a Clinique member, you will get an offer code mailed to you which you can use on your birthday month for a Free Birthday Gift! Just make sure you have provided your birth date in your account profile!",[5552],{"start":94,"end":5111,"type":129,"data":5553},{"link_type":131,"url":5554,"target":133},"https://divedeals.sg/brands/Clinique",{"type":59,"text":5556,"spans":5557,"direction":28},"44. Sulwhasoo - Birthday Benefits",[5558,5559],{"start":45,"end":782,"type":95},{"start":103,"end":1453,"type":129,"data":5560},{"link_type":131,"url":5561,"target":133},"https://divedeals.sg/deals/shopping/Sulwhasoo-Birthday-Benefits-1740107900_Sulwhasoo ",{"type":59,"text":5563,"spans":5564,"direction":28},"You can also sign up for Sulwhasoo's membership programme and get a birthday gift, 2x points and 10% off regular priced items on your birthday month! Get an additional birthday treat with minimum spend of $600.",[5565],{"start":1473,"end":3884,"type":129,"data":5566},{"link_type":131,"url":5567,"target":133},"https://divedeals.sg/brands/Sulwhasoo",{"type":59,"text":5569,"spans":5570,"direction":28},"45. Lancome - Free Birthday Gift + Double Bonus Points",[5571,5572],{"start":45,"end":5404,"type":95},{"start":782,"end":1460,"type":129,"data":5573},{"link_type":131,"url":5574,"target":133},"https://divedeals.sg/deals/shopping/Lanc%C3%B4me-Free-Birthday-Gift--Double-Bonus-Points-1774522780_Lancme ",{"type":59,"text":5576,"spans":5577,"direction":28},"Yet another membership entitling you to a free birthday gift! Collect your Lancome personal care products in any Lancome stores.",[5578],{"start":2736,"end":1380,"type":129,"data":5579},{"link_type":131,"url":5580,"target":133},"https://divedeals.sg/brands/Lanc%C3%B4me",{"type":59,"text":5582,"spans":5583,"direction":28},"46. Laneige - 20% off + Double Bonus Points",[5584,5585],{"start":45,"end":3702,"type":95},{"start":782,"end":2509,"type":129,"data":5586},{"link_type":131,"url":5587,"target":133},"https://divedeals.sg/deals/shopping/Laneige-20-off--double-bonus-points-1741076261_Laneige ",{"type":59,"text":5589,"spans":5590,"direction":28},"Sign up for Laneige's Membership Programme and enjoy birthday benefits – 20% off on your birthday month & Double Bonus Points!",[5591],{"start":5404,"end":5111,"type":129,"data":5592},{"link_type":131,"url":5593,"target":133},"https://divedeals.sg/brands/Laneige",{"type":59,"text":5595,"spans":5596,"direction":28},"47. Innisfree - Up to 25% off birthday voucher",[5597],{"start":45,"end":94,"type":95},{"type":59,"text":5599,"spans":5600,"direction":28},"You can also sign up for Innisfree's membership programme and enjoy birthday treats! Premium members get to enjoy 20% discounts during their birthday months, and VIP members can enjoy 25% off discounts.",[5601],{"start":1473,"end":3884,"type":129,"data":5602},{"link_type":131,"url":5603,"target":133},"https://divedeals.sg/brands/Innisfree",{"type":59,"text":5605,"spans":5606,"direction":28},"48. Kiehls - Up to 20% off birthday month",[5607],{"start":45,"end":3691,"type":95},{"type":59,"text":5609,"spans":5610,"direction":28},"Sign up for Kiehl's Rewards and enjoy exclusive birthday treats – up to 20% off discounts during your birthday month!",[5611],{"start":5404,"end":1087,"type":129,"data":5612},{"link_type":131,"url":5613,"target":133},"https://divedeals.sg/brands/Kiehl's",{"type":59,"text":5615,"spans":5616,"direction":28},"49. The Body Shop - 25% Off Birthday Coupon",[5617],{"start":45,"end":788,"type":95},{"type":59,"text":5619,"spans":5620,"direction":28},"Receive a 25% off birthday coupon from The Body Shop",[],{"type":59,"text":5622,"spans":5623,"direction":28},"50. Popular Bookstore - 20% off on birthday month",[5624],{"start":45,"end":567,"type":95},{"type":59,"text":5626,"spans":5627,"direction":28},"As a Popular member, you have access to a special selection of birthday deals in the shopping, lifestyle, leisure, and food & beverage categories.",[5628],{"start":1767,"end":5404,"type":129,"data":5629},{"link_type":131,"url":5630,"target":133},"https://divedeals.sg/brands/Popular-Bookstore",{"type":59,"text":5632,"spans":5633,"direction":28},"51. Pet Lovers Centre - 15% Birthday Month Savings",[5634],{"start":45,"end":5111,"type":95},{"type":59,"text":5636,"spans":5637,"direction":28},"Enjoy 15% Savings on regular-priced items and grooming services with minimum spend of $35 on your birthday month at Pet Lovers Centre. There's no better time to spoil your pet!",[5638],{"start":2397,"end":911,"type":129,"data":5639},{"link_type":131,"url":5640,"target":133},"https://divedeals.sg/brands/Pet-Lovers-Centre",{"type":59,"text":5642,"spans":5643,"direction":28},"52. MUJI - 10% off birthday privilege",[5644,5645],{"start":45,"end":238,"type":95},{"start":3702,"end":2467,"type":129,"data":5646},{"link_type":131,"url":5647,"target":133},"https://divedeals.sg/deals/shopping/MUJI-10-off-birthday-privilege-1774523095_MUJI ",{"type":59,"text":5649,"spans":5650,"direction":28},"Register your date of birth in MUJI passport before your birthday month to receive a discount coupon on the 10th of your birthday month. ",[5651],{"start":1422,"end":3884,"type":129,"data":5652},{"link_type":131,"url":5653,"target":4835},"https://divedeals.sg/brands/MUJI",{"type":364,"text":5655,"spans":5656,"direction":28},"10% OFF Retail: On regular priced garment and household items with minimum $10 spent (excluding food items).",[],{"type":59,"text":5658,"spans":5659,"direction":28},"53. Sephora ",[5660],{"start":45,"end":3702,"type":95},{"type":364,"text":5662,"spans":5663,"direction":28},"2x Bonus Points during your Birthday month",[],{"type":364,"text":5665,"spans":5666,"direction":28},"Complimentary Benefit Brow Bar service",[],{"type":364,"text":5668,"spans":5669,"direction":28},"Complimentary Fresh Birthday Facial",[],{"type":59,"text":5671,"spans":5672,"direction":28},"As a Sephora member, you can get 2x bonus points on 1 purchase during your birthday month. Then, use your Sephora points to redeem exclusive rewards!",[5673],{"start":1767,"end":5404,"type":129,"data":5674},{"link_type":131,"url":5675,"target":133},"https://divedeals.sg/brands/Sephora",{"type":59,"text":5677,"spans":5678,"direction":28},"Looking to spoil yourself this birthday? Sephora's Gold and Black Tier Members, we've got you covered! Get ready to treat yourself to a free Benefit Brow Bar service at Sephora on your special day. All you have to do is book an appointment online, request for your Birthday Offer at the cashier and redeem your service! Enjoy your perfect brows - compliments of Sephora.",[],{"type":59,"text":5680,"spans":5681,"direction":28},"54. Cotton On - Free Birthday Gift for Members",[5682,5683],{"start":45,"end":782,"type":95},{"start":103,"end":1409,"type":129,"data":5684},{"link_type":131,"url":5685,"target":133},"https://divedeals.sg/deals/apparel/Cotton-On-Free-Birthday-Treat-1742798142_CottonOn ",{"type":59,"text":5687,"spans":5688,"direction":28},"“Fashionistas” take note! As a Cotton On member, you got to look out for an email from Cotton On for a special surprise Gift. ",[5689],{"start":698,"end":760,"type":129,"data":5690},{"link_type":131,"url":5691,"target":133},"https://divedeals.sg/brands/Cotton-On",{"type":59,"text":5693,"spans":5694,"direction":28},"55. KrisShop - $30 off $300",[5695],{"start":45,"end":97,"type":95},{"type":59,"text":5697,"spans":5698,"direction":28},"Here's a little treat from KrisShop to use on KrisShop.com during your birthday month! Enter the promo code at checkout to enjoy the discount.",[],{"type":59,"text":5700,"spans":5701,"direction":28},"56. OSIM - Birthday voucher",[5702],{"start":45,"end":3702,"type":95},{"type":59,"text":5704,"spans":5705,"direction":28},"Only valid during your birthday month!",[],{"type":59,"text":5707,"spans":5708,"direction":28},"57. Bata - 25% off next purchase",[5709],{"start":45,"end":3702,"type":95},{"type":59,"text":5711,"spans":5712,"direction":28},"Enjoy up to 25% off your next purchase at Bata!",[],{"type":59,"text":5714,"spans":5715,"direction":28},"58. Kikki K - Birthday Voucher ",[5716,5717],{"start":45,"end":5404,"type":95},{"start":782,"end":1422,"type":129,"data":5718},{"link_type":131,"url":5719,"target":4835},"https://divedeals.sg/deals/shopping/kikki-K-Birthday-Voucher-20-Off-Your-Order-1774522903_kikkiK",{"type":59,"text":5721,"spans":5722,"direction":28},"Exclusive to direct recipients of the email and is available on all full price and sale items in kikki.K standalone stores and kikki-k.com.",[5723],{"start":5724,"end":5725,"type":129,"data":5726},127,138,{"link_type":131,"url":5727,"target":133},"http://www.kikki-k.com/",{"type":59,"text":5729,"spans":5730,"direction":28},"59. Timberland - Up to 30% Off",[5731,5732],{"start":45,"end":97,"type":95},{"start":103,"end":1422,"type":129,"data":5733},{"link_type":131,"url":5734,"target":4835},"https://divedeals.sg/deals/apparel/Timberland-Up-to-30-off-on-birthday-month-1774523329_Timberland ",{"type":364,"text":5736,"spans":5737,"direction":28},"Green member gets 20% off on birthday month ",[],{"type":364,"text":5739,"spans":5740,"direction":28},"Gold member gets 30% off on birthday month",[],{"type":59,"text":5742,"spans":5743,"direction":28},"60. Goldlion - 35% Off ",[5744],{"start":45,"end":5404,"type":95},{"type":59,"text":5746,"spans":5747,"direction":28},"Valid for gold members only. Valid for 1 Transaction only. ",[],{"type":59,"text":5749,"spans":5750,"direction":28},"61. Metro - 20% Off",[5751,5752],{"start":45,"end":3691,"type":95},{"start":5404,"end":1087,"type":129,"data":5753},{"link_type":131,"url":5754,"target":4835},"https://divedeals.sg/deals/shopping/Metro-20-off-birthday-privilege-1774523584_Metro ",{"type":364,"text":5756,"spans":5757,"direction":28},"Silver Tier - capped at $300 ",[],{"type":364,"text":5759,"spans":5760,"direction":28},"Gold Tier - capped at $500",[],{"type":364,"text":5762,"spans":5763,"direction":28},"Pearl Tier - capped at $1000 ",[],{"type":364,"text":5765,"spans":5766,"direction":28},"Jade Tier - capped at $2000",[],{"type":59,"text":5768,"spans":5769,"direction":28},"",[],[5771],{},"text$a83d574d-5a14-4585-b263-2f10f7b71c49",{"primary":5774,"items":5780,"id":5782,"slice_type":112,"slice_label":8},{"text":5775},[5776],{"type":78,"text":5777,"spans":5778},"Experiences ",[5779],{"start":45,"end":5404,"type":95},[5781],{},"text$38a7d9ac-5f7c-40ff-a3dc-9aa6f413ffd6",{"primary":5784,"items":5792,"id":5794,"slice_type":4938,"slice_label":8},{"image":5785,"caption":5790,"additional_link":5791,"anchor_id":8},{"dimensions":5786,"alt":8,"copyright":8,"url":5787,"id":5788,"edit":5789},{"width":4927,"height":4928},"https://images.prismic.io/dive/65cd69d79be9a5b998b5d5d4_BIRTHDAYDEALSBLOGCOVER-7-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1p15vppbmYtdXU",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":4934},[5793],{},"image_with_caption$44453c34-1fc2-4325-8b4c-98a48d7f78b6",{"primary":5796,"items":5818,"id":5820,"slice_type":112,"slice_label":8},{"text":5797},[5798,5802,5808,5812],{"type":59,"text":5799,"spans":5800,"direction":28},"62. Wild Wild Wet - Complimentary day pass on your birthday month",[5801],{"start":45,"end":105,"type":95},{"type":59,"text":5803,"spans":5804,"direction":28},"Celebrate your special day with Wild Wild Wet - the ultimate water adventure! Sign up for our Premium membership and get a free entry for you and a friend on your birthday.",[5805],{"start":869,"end":179,"type":129,"data":5806},{"link_type":131,"url":5807,"target":133},"https://divedeals.sg/brands/Wild-Wild-Wet",{"type":59,"text":5809,"spans":5810,"direction":28},"63. Mandai Wildlife Reserve - 30% off wildlife experiences",[5811],{"start":45,"end":172,"type":95},{"type":59,"text":5813,"spans":5814,"direction":28},"Have a Zooperb Birthday at the parks of Mandai Wildlife Reserve! Enjoy special Members' Birthday delights including Enjoy 30% off these Wildlife Tours programmes and free Amazon River Quest rides during your Birthday month!",[5815],{"start":760,"end":5496,"type":129,"data":5816},{"link_type":131,"url":5817,"target":133},"https://divedeals.sg/brands/Mandai-Wildlife-Reserve",[5819],{},"text$0ddd0cb4-31a7-4959-963e-ad24ed85cf07",{"primary":5822,"items":5823,"id":5825,"slice_type":117,"slice_label":8},{},[5824],{},"divider$d199cc00-1fde-4965-b966-3527e0161e1f",{"primary":5827,"items":5904,"id":5905,"slice_type":112,"slice_label":8},{"text":5828},[5829,5831,5834,5841,5844,5851,5854,5861,5864,5871,5874,5881,5884,5891,5894,5901],{"type":78,"text":4873,"spans":5830,"direction":28},[],{"type":59,"text":5832,"spans":5833,"direction":28},"Seven more F&B brands worth signing up for - all year-round perks, all verified live as of 7 May 2026.",[],{"type":59,"text":5835,"spans":5836,"direction":28},"64. McDonald's - Free 20pc McNuggets and McDelivery birthday voucher",[5837,5838],{"start":45,"end":97,"type":95},{"start":788,"end":1318,"type":129,"data":5839},{"link_type":131,"url":5840,"target":133},"https://www.mcdonalds.com.sg/promotions",{"type":59,"text":5842,"spans":5843,"direction":28},"McDonald's app users get a free 20-piece Chicken McNuggets with any min $12 order during their birthday week, plus a $4.80 off voucher for McDelivery orders above $30. Sign up to the McDonald's app and confirm your birthday in the My Account section.",[],{"type":59,"text":5845,"spans":5846,"direction":28},"65. Coffee Bean & Tea Leaf - Free birthday beverage (Bean Card members)",[5847,5848],{"start":45,"end":2502,"type":95},{"start":3144,"end":186,"type":129,"data":5849},{"link_type":131,"url":5850,"target":133},"https://www.coffeebean.com.sg/customer/account/login",{"type":59,"text":5852,"spans":5853,"direction":28},"Bean Card members receive a free birthday beverage that loads onto their account at the start of their birthday month, redeemable on a single visit at any Singapore outlet. Register your Bean Card account at least 14 days before your birthday month begins.",[],{"type":59,"text":5855,"spans":5856,"direction":28},"66. Beauty in The Pot - $50 dine-in voucher (Paradise Gourmet Rewards)",[5857,5858],{"start":45,"end":5111,"type":95},{"start":5032,"end":2509,"type":129,"data":5859},{"link_type":131,"url":5860,"target":133},"https://www.paradisegp.com/paradise-gourmet-rewards/",{"type":59,"text":5862,"spans":5863,"direction":28},"Paradise Gourmet Rewards members redeem a $50 voucher valid at Beauty in The Pot during their birthday month, on top of the 20% Paradise Dollars rebate that applies across every Paradise Group brand. Free sign-up via the Paradise Gourmet Rewards app.",[],{"type":59,"text":5865,"spans":5866,"direction":28},"67. Famous Amos - Free birthday cookie gift (Cookie Club, min $10 spend)",[5867,5868],{"start":45,"end":97,"type":95},{"start":105,"end":2509,"type":129,"data":5869},{"link_type":131,"url":5870,"target":133},"https://www.famous-amos.com.sg/pages/famous-amos-cookie-club",{"type":59,"text":5872,"spans":5873,"direction":28},"Famous Amos Cookie Club members get a complimentary birthday cookie gift with a minimum $10 spend at any standalone outlet during their birthday month. Sign up free in-store or online.",[],{"type":59,"text":5875,"spans":5876,"direction":28},"68. Fruit Paradise - Free slice of signature tart (Japan Food Holdings members)",[5877,5878],{"start":45,"end":105,"type":95},{"start":5111,"end":871,"type":129,"data":5879},{"link_type":131,"url":5880,"target":133},"https://members.jfh.com.sg/en/",{"type":59,"text":5882,"spans":5883,"direction":28},"Japan Food Holdings members receive a complimentary slice of signature fruit tart at Fruit Paradise during their birthday month with a minimum spend of $50. The same JFH membership also covers Menya Musashi and Botejyu birthday perks.",[],{"type":59,"text":5885,"spans":5886,"direction":28},"69. Liberty Singapore - 50% off one main course on your birthday",[5887,5888],{"start":45,"end":5111,"type":95},{"start":5032,"end":486,"type":129,"data":5889},{"link_type":131,"url":5890,"target":133},"https://www.libertysingapore.sg/birthday-offer",{"type":59,"text":5892,"spans":5893,"direction":28},"Liberty Singapore offers 50% off one main course on the birthday person's actual birthday with at least 2 paying guests dining together. Reservations required and ID verification at the table.",[],{"type":59,"text":5895,"spans":5896,"direction":28},"70. TriplePlus - Up to 30% off bill across 6 restaurants",[5897,5898],{"start":45,"end":782,"type":95},{"start":788,"end":138,"type":129,"data":5899},{"link_type":131,"url":5900,"target":133},"https://www.tripleplus.sg/rewards",{"type":59,"text":5902,"spans":5903,"direction":28},"One free TriplePlus membership unlocks birthday discounts of up to 30% across Bedrock Bar & Grill, Kinki Restaurant + Bar, Native Kitchen, Pastamania, The Marmalade Pantry and Oriole Coffee + Bar. Discount tiers escalate with annual spend.",[],[],"text$c604c198-5c25-4d98-8f98-9ffb88a8457f",{"primary":5907,"items":5944,"id":5945,"slice_type":112,"slice_label":8},{"text":5908},[5909,5911,5914,5921,5924,5931,5934,5941],{"type":78,"text":4879,"spans":5910,"direction":28},[],{"type":59,"text":5912,"spans":5913,"direction":28},"Three retail and entertainment brands with members-only birthday perks - quick wins if you already use the apps.",[],{"type":59,"text":5915,"spans":5916,"direction":28},"71. Uniqlo - $5 birthday coupon (members)",[5917,5918],{"start":45,"end":3691,"type":95},{"start":94,"end":698,"type":129,"data":5919},{"link_type":131,"url":5920,"target":133},"https://www.uniqlo.com/sg/en/member/",{"type":59,"text":5922,"spans":5923,"direction":28},"Uniqlo SG members get a $5 birthday coupon credited to the app at the start of their birthday month, valid on a single transaction with a minimum spend of $40. Sign up to Uniqlo's free membership through the official app.",[],{"type":59,"text":5925,"spans":5926,"direction":28},"72. Nike - Members-only birthday discount code",[5927,5928],{"start":45,"end":238,"type":95},{"start":3702,"end":1409,"type":129,"data":5929},{"link_type":131,"url":5930,"target":133},"https://www.nike.com/sg/membership",{"type":59,"text":5932,"spans":5933,"direction":28},"Nike Members get a one-time birthday promo code valid on Nike.com SG and the Nike app during the birthday month. The code is delivered by email; sign up via the Nike app and confirm your birthday in your profile to qualify.",[],{"type":59,"text":5935,"spans":5936,"direction":28},"73. Timezone - Up to $50 free game credits (Powercard members)",[5937,5938],{"start":45,"end":5404,"type":95},{"start":97,"end":128,"type":129,"data":5939},{"link_type":131,"url":5940,"target":133},"https://www.timezonegames.com/en-sg/rewards",{"type":59,"text":5942,"spans":5943,"direction":28},"Powercard members tier into free birthday game credits ranging from $5 (Bronze) to $50 (Platinum) during their birthday month, redeemable across all Singapore Timezone outlets. Top up at any arcade kiosk to register your birthday.",[],[],"text$1bb671ca-f2ad-4dd8-9996-dc43b73c9fa5",{"primary":5947,"items":6004,"id":6005,"slice_type":112,"slice_label":8},{"text":5948},[5949,5951,5954,5961,5964,5971,5974,5981,5984,5991,5994,6001],{"type":78,"text":4885,"spans":5950,"direction":28},[],{"type":59,"text":5952,"spans":5953,"direction":28},"Most banks and telcos in Singapore quietly run birthday perks for tier customers - free cake, vouchers, hotel discounts and partner deals. Worth checking your existing bank or telco app before you sign up to anything new.",[],{"type":59,"text":5955,"spans":5956,"direction":28},"74. UOB Privilege Banking and Wealth Banking - Free birthday cake, cooking lessons and travel discounts",[5957,5958],{"start":45,"end":193,"type":95},{"start":486,"end":2383,"type":129,"data":5959},{"link_type":131,"url":5960,"target":133},"https://www.uob.com.sg/privilegebanking/exclusive-privileges/birthday-deals.page",{"type":59,"text":5962,"spans":5963,"direction":28},"UOB Wealth Banking and Privilege Banking customers receive an annual birthday cake from select hotel partners, cooking class invitations, complimentary wine and rotating travel and dining deals. Eligibility tied to your wealth account tier and assets under management.",[],{"type":59,"text":5965,"spans":5966,"direction":28},"75. Standard Chartered - $20 TANGS voucher and Capella, Qatar, IHG perks",[5967,5968],{"start":45,"end":567,"type":95},{"start":1473,"end":5441,"type":129,"data":5969},{"link_type":131,"url":5970,"target":133},"https://www.sc.com/sg/promotions/birthdaytreats/",{"type":59,"text":5972,"spans":5973,"direction":28},"Standard Chartered Singapore credit card holders unlock a $20 TANGS birthday voucher, 10% off staycations at Capella Singapore, plus rotating birthday perks from IHG Hotels and Qatar Airways. Active card status required at time of redemption.",[],{"type":59,"text":5975,"spans":5976,"direction":28},"76. Singtel Rewards - Birthday perks at Browhaus, Elements Wellness and partner brands",[5977,5978],{"start":45,"end":1087,"type":95},{"start":567,"end":2094,"type":129,"data":5979},{"link_type":131,"url":5980,"target":133},"https://www.singtel.com/personal/my-account/rewards",{"type":59,"text":5982,"spans":5983,"direction":28},"Singtel Rewards members get birthday perks rotating through partners like Browhaus brow shaping, Elements Wellness massage credits, and select F&B vouchers. Tier and perk depend on your Singtel mobile or broadband plan.",[],{"type":59,"text":5985,"spans":5986,"direction":28},"77. StarHub Rewards - Birthday vouchers via the My StarHub app",[5987,5988],{"start":45,"end":1087,"type":95},{"start":567,"end":1886,"type":129,"data":5989},{"link_type":131,"url":5990,"target":133},"https://www.starhub.com/personal/rewards.html",{"type":59,"text":5992,"spans":5993,"direction":28},"StarHub mobile and broadband customers redeem birthday vouchers through the My StarHub app each year. Past perks have included F&B vouchers, beauty service credits and partner discounts on lifestyle and dining.",[],{"type":59,"text":5995,"spans":5996,"direction":28},"78. M1 - Birthday discounts at Java+, Lobby Lounge and partner outlets",[5997,5998],{"start":45,"end":1508,"type":95},{"start":2889,"end":681,"type":129,"data":5999},{"link_type":131,"url":6000,"target":133},"https://www.m1.com.sg/personal/promotions",{"type":59,"text":6002,"spans":6003,"direction":28},"M1 mobile customers get rotating birthday discounts at partner restaurants including Java+ at Goodwood Park Hotel and Lobby Lounge. Check the M1 promotions page during your birthday month for the active list.",[],[],"text$56581419-9116-4c27-a739-288e43a98d25",{"primary":6007,"items":6008,"id":6009,"slice_type":117,"slice_label":8},{},[],"divider$6420bca8-678c-4bc3-9c00-38a469dd26db",{"primary":6011,"items":6037,"id":6038,"slice_type":112,"slice_label":8},{"text":6012},[6013,6016,6019,6022,6025,6028,6031,6034],{"type":78,"text":6014,"spans":6015},"How birthday deals work in Singapore",[],{"type":59,"text":6017,"spans":6018},"Most Singapore brands run birthday perks through their free loyalty programme. The pattern is consistent enough that you can plan around it:",[],{"type":364,"text":6020,"spans":6021},"Sign up at least 2-4 weeks before your birthday month so the system has time to register your date.",[],{"type":364,"text":6023,"spans":6024},"Provide a NRIC-matching name and your full date of birth (some brands cross-check at redemption).",[],{"type":364,"text":6026,"spans":6027},"Most rewards arrive on the 1st of your birthday month or via email up to 7 days before. Check the brand's app or your inbox.",[],{"type":364,"text":6029,"spans":6030},"Free buffets and lobster perks usually need 1 to 3 paying companions - confirm minimum pax before you book.",[],{"type":364,"text":6032,"spans":6033},"Most vouchers are valid for the entire birthday month, but redemption windows vary - some are 7 days only.",[],{"type":364,"text":6035,"spans":6036},"Bring NRIC or passport to redeem in-store. App-based perks need the app installed.",[],[],"text$c3164fcc-0a36-42b4-886c-a67125b5fa5d",{"primary":6040,"items":6044,"id":6045,"slice_type":112,"slice_label":8},{"text":6041},[6042],{"type":78,"text":4897,"spans":6043},[],[],"text$e4d8fe27-2de8-4aab-8c3d-339be568a188",{"primary":6047,"items":6052,"id":6053,"slice_type":112,"slice_label":8},{"text":6048},[6049],{"type":360,"text":6050,"spans":6051},"How do I get free birthday deals in Singapore?",[],[],"text$fcbc0403-2465-468e-97e7-5b3a5d15916e",{"primary":6055,"items":6060,"id":6061,"slice_type":112,"slice_label":8},{"text":6056},[6057],{"type":59,"text":6058,"spans":6059},"Sign up to the free loyalty programme of each brand on the list above. Most accept new sign-ups year-round, but you must register before your birthday month starts so the system flags your account. Provide your full date of birth (matching NRIC or passport) and a working email - that's how most brands deliver the digital voucher.",[],[],"text$d51a96a9-b15e-4379-ae41-8ee7856a8125",{"primary":6063,"items":6068,"id":6069,"slice_type":112,"slice_label":8},{"text":6064},[6065],{"type":360,"text":6066,"spans":6067},"Do I need to show ID to claim a birthday deal in Singapore?",[],[],"text$9b96c143-e113-4044-a7dd-7ee23e5b3650",{"primary":6071,"items":6076,"id":6077,"slice_type":112,"slice_label":8},{"text":6072},[6073],{"type":59,"text":6074,"spans":6075},"Yes for in-store free buffets and most free protein perks (gyoza, sashimi, lobster). NRIC or passport is the standard - the brand checks the date matches the membership account. App-only and voucher-based perks usually skip the ID check because the voucher is tied to your registered account.",[],[],"text$f51b4d21-aa57-483d-b119-30aa30ca05b6",{"primary":6079,"items":6084,"id":6085,"slice_type":112,"slice_label":8},{"text":6080},[6081],{"type":360,"text":6082,"spans":6083},"Can I claim a birthday deal more than once?",[],[],"text$3ea418a5-2c1e-4fd8-9c83-14888716c957",{"primary":6087,"items":6092,"id":6093,"slice_type":112,"slice_label":8},{"text":6088},[6089],{"type":59,"text":6090,"spans":6091},"Most brands allow one redemption per perk per birthday month - the system blocks duplicate claims at the same outlet. A few group brands let you claim across different sister outlets (Paradise Group on rebates, Suki-Ya across all locations). Check the brand's T&Cs for the exact rule.",[],[],"text$5fe68895-d3a7-44d4-a22b-0fa1aa1866a1",{"primary":6095,"items":6100,"id":6101,"slice_type":112,"slice_label":8},{"text":6096},[6097],{"type":360,"text":6098,"spans":6099},"Is there an age limit for birthday deals?",[],[],"text$5bb33d60-5417-43b3-993e-ece938679e09",{"primary":6103,"items":6108,"id":6109,"slice_type":112,"slice_label":8},{"text":6104},[6105],{"type":59,"text":6106,"spans":6107},"No upper age cap on most loyalty-based perks - your sign-up age and birthday are the only requirements. A handful of kids-focused brands (e.g. Smiggle, certain ice cream chains) target the under-16 set, but the perks listed on this page apply to adult members.",[],[],"text$ed4ecb92-ad05-4799-8b83-bc86ef8b1e88",{"primary":6111,"items":6116,"id":6117,"slice_type":112,"slice_label":8},{"text":6112},[6113],{"type":360,"text":6114,"spans":6115},"How early should I sign up for a birthday deal?",[],[],"text$84f3cc0b-6a9f-400c-bd0c-4c04a30925b0",{"primary":6119,"items":6124,"id":6125,"slice_type":112,"slice_label":8},{"text":6120},[6121],{"type":59,"text":6122,"spans":6123},"Sign up at least 2 to 4 weeks before your birthday month. Some brands (Sephora, Lancome, Clinique) add a \"qualifying period\" rule - you must have been a member for X days before your birthday month to qualify. The earliest you sign up, the safer it is.",[],[],"text$3ba7957c-a85c-45e2-89f4-b4f37d128afa",{"primary":6127,"items":6132,"id":6133,"slice_type":112,"slice_label":8},{"text":6128},[6129],{"type":360,"text":6130,"spans":6131},"What if a brand's birthday deal isn't listed here?",[],[],"text$27dd120f-dd11-4472-a6fd-1798f5989a1a",{"primary":6135,"items":6143,"id":6144,"slice_type":112,"slice_label":8},{"text":6136},[6137],{"type":59,"text":6138,"spans":6139},"We update this page monthly and check every deal against the brand's live T&Cs. If a perk is missing, it's either paused, region-locked, or merged into a wider member promotion. For the always-current view, bookmark our birthday deals tracker - we maintain it in real time.",[6140],{"start":702,"end":427,"type":129,"data":6141},{"link_type":131,"url":6142},"https://div.sg/birthday",[],"text$0235e288-241f-4b89-b2a3-db10f9c7e349",{"primary":6146,"items":6147,"id":6148,"slice_type":117,"slice_label":8},{},[],"divider$e53392dd-7234-48e7-a6a3-2810233d0d94",{"primary":6150,"items":6154,"id":6155,"slice_type":112,"slice_label":8},{"text":6151},[6152],{"type":78,"text":1293,"spans":6153},[],[],"text$f47d647a-48d7-44db-a9af-e40f7cad4dad",{"primary":6157,"items":6197,"id":6198,"slice_type":112,"slice_label":8},{"text":6158},[6159,6165,6170,6175,6181,6186,6192],{"type":364,"text":6160,"spans":6161},"Best 1-for-1 buffet promotions in Singapore - bank-by-bank list of every active 1-for-1 dining deal",[6162],{"start":45,"end":2509,"type":129,"data":6163},{"link_type":131,"url":6164},"https://divedeals.sg/blog/best-1-for-1-buffet-promotion-in-singapore",{"type":364,"text":6166,"spans":6167},"Best high tea promotions in Singapore - hotel afternoon tea picks with bank card stacks",[6168],{"start":45,"end":2467,"type":129,"data":6169},{"link_type":131,"url":4546},{"type":364,"text":6171,"spans":6172},"Best Korean BBQ in Singapore - cheap eats, charcoal picks and buffet pricing under $25",[6173],{"start":45,"end":3240,"type":129,"data":6174},{"link_type":131,"url":4558},{"type":364,"text":6176,"spans":6177},"Best student deals in Singapore - hundreds of student-only discounts that pair well with birthday perks",[6178],{"start":45,"end":698,"type":129,"data":6179},{"link_type":131,"url":6180},"https://divedeals.sg/blog/student-deals-and-discounts-in-singapore",{"type":364,"text":6182,"spans":6183},"Best credit card sign-up promotions in Singapore - welcome gifts that stack on top of birthday vouchers",[6184],{"start":45,"end":158,"type":129,"data":6185},{"link_type":131,"url":3784},{"type":364,"text":6187,"spans":6188},"Every shopping and retail loyalty membership in Singapore - the full list of free programmes worth joining",[6189],{"start":45,"end":3145,"type":129,"data":6190},{"link_type":131,"url":6191},"https://divedeals.sg/blog/shopping-retail-loyalty-memberships-singapore",{"type":364,"text":6193,"spans":6194},"All food and dining deals in Singapore - aggregator hub for restaurant promotions and seasonal campaigns",[6195],{"start":45,"end":3723,"type":129,"data":6196},{"link_type":131,"url":4417},[],"text$b9b90169-dbab-4271-be9b-1e33389e8784",{"primary":6200,"items":6206,"id":6207,"slice_type":112,"slice_label":8},{"text":6201},[6202],{"type":59,"text":6203,"spans":6204},"Editor's Note: This post was originally published on 3 March 2023 and last updated on 7 May 2026 for accuracy. Every deal listed has been re-checked against the brand's live T&Cs.",[6205],{"start":45,"end":2838,"type":4642},[],"text$a29c7192-c6c3-49d1-a127-b18c0ef74f31",{"id":6209,"uid":6210,"url":8,"type":9,"href":6211,"tags":6212,"first_publication_date":6215,"last_publication_date":6216,"slugs":6217,"linked_documents":6219,"lang":20,"alternate_languages":6220,"data":6221},"YLhycRQAACIAYFKG","singapore-promo-codes","https://dive.cdn.prismic.io/api/v2/documents/search?ref=agl8NRAAAHWye71i&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22YLhycRQAACIAYFKG%22%29+%5D%5D",[6213,6214,5512],"Promo codes","Singapore","2021-06-03T09:54:04+0000","2026-05-10T09:21:46+0000",[6218],"singapore-promo-codes-2026---verified-coupons--deals",[],[],{"title":6222,"seo_title":6226,"seo_meta_description":6230,"featured":3480,"expired":36,"noindex":36,"cover_image":6234,"date":6242,"author_link":6243,"body":6253},[6223],{"type":25,"text":6224,"spans":6225},"Singapore Promo Codes 2026 - Verified Coupons & Deals",[],[6227],{"type":25,"text":6228,"spans":6229},"Singapore Promo Codes 2026 - Verified Coupons | DiveDeals",[],[6231],{"type":25,"text":6232,"spans":6233},"Singapore promo codes verified by the DiveDeals team. Daily-checked coupons for food delivery, ride-hailing, shopping and travel. Stack with the right credit card to save more.",[],{"dimensions":6235,"alt":6238,"copyright":8,"url":6239,"id":6240,"edit":6241},{"width":6236,"height":6237},1684,882,"Promo Code Blog Cover","https://images.prismic.io/dive/ZqDG1R5LeNNTxcyj_Creative-Blogcover-.png?auto=format,compress","ZqDG1R5LeNNTxcyj",{"x":45,"y":45,"zoom":46,"background":47},"2026-05-10",{"id":4611,"type":51,"tags":6244,"lang":20,"slug":4613,"first_publication_date":4614,"last_publication_date":4615,"data":6245,"link_type":71,"key":6252,"isBroken":36},[],{"name":6246,"picture":6249},[6247],{"type":59,"text":4619,"spans":6248,"direction":28},[],{"dimensions":6250,"alt":8,"copyright":8,"url":4623,"id":4624,"edit":6251},{"width":64,"height":64},{"x":4626,"y":45,"zoom":46,"background":47},"4927a279-b432-4c04-b4e9-f16155581d57",[6254,6291,6308,6324,6335,6418,6422,6456,6460,6493,6497,6642,6646,6810,6814,6861,6865,6920,6924,6971,6975,6983,6999,7011,7020,7026,7038,7045,7049,7053,7061,7077,7085,7094,7098,7106,7110,7114,7122,7138,7146,7153,7157,7168,7175,7179,7190,7197,7201,7213,7220,7224,7231,7235,7242,7246,7253,7257,7264,7268,7272,7279,7283,7290,7294,7298,7308,7324,7332,7340,7344,7355,7362,7366,7373,7377,7384,7388,7395,7399,7409,7413,7421,7425,7432,7436,7443,7447,7454,7458,7465,7469,7476,7480,7484,7492,7507,7514,7518,7532,7539,7543,7557,7564,7568,7572,7580,7595,7603,7610,7614,7621,7625,7632,7636,7643,7647,7651,7659,7674,7681,7685,7696,7703,7707,7714,7718,7722],{"primary":6255,"items":6288,"id":6290,"slice_type":112,"slice_label":8},{"text":6256},[6257,6260,6274,6277,6283,6285],{"type":59,"text":6258,"spans":6259},"Start the new month with the best coupon codes and discounts across various categories! Whether you're looking for food delivery, groceries, fast food, or shopping deals, we’ve got you covered. At Divedeals.sg, we compile the latest coupon codes and promo codes from top platforms in Singapore to help you save on all your favorite purchases.",[],{"type":59,"text":6261,"spans":6262},"From food delivery services like GrabFood, foodpanda, and WhyQ to supermarket deals and discounts on your favorite fast food chains and shopping platforms like Lazada, Shopee, Zalora and iHerb, you'll find all the best offers here. Our verified and updated coupon codes ensure you get the most savings every time.",[6263,6264,6265,6266,6268,6270,6272],{"start":1453,"end":98,"type":95},{"start":128,"end":145,"type":95},{"start":5112,"end":1886,"type":95},{"start":6267,"end":2097,"type":95},160,{"start":1918,"end":6269,"type":95},174,{"start":6271,"end":2788,"type":95},176,{"start":701,"end":6273,"type":95},192,{"type":59,"text":6275,"spans":6276},"Some deals have limited redemptions, so act fast! If you miss out on this month’s coupons and promotions, don’t worry – stay tuned to this page for the latest coupon codes in Singapore every month. This page is always updated so you can find all the best coupons and promo codes in one place!",[],{"type":59,"text":6278,"spans":6279},"Follow our telegram to be notified of new coupon and promo codes :)",[6280],{"start":3702,"end":1087,"type":129,"data":6281},{"link_type":131,"url":6282,"target":133},"https://t.me/sgdivedeals",{"type":59,"text":5768,"spans":6284},[],{"type":78,"text":6286,"spans":6287},"Regularly Updated Voucher Drops from Shopee & Lazada",[],[6289],{},"text$04518d66-48f8-48ba-8c80-490744c8e910",{"primary":6292,"items":6306,"id":6307,"slice_type":4938,"slice_label":8},{"image":6293,"caption":6299,"additional_link":6303,"anchor_id":8},{"dimensions":6294,"alt":8,"copyright":8,"url":6296,"id":6297,"edit":6298},{"width":4927,"height":6295},148,"https://images.prismic.io/dive/ZnPqlpm069VX16Dq_6.png?auto=format%2Ccompress&rect=0%2C0%2C3276%2C404&w=1200&h=148","ZnPqlpm069VX16Dq",{"x":45,"y":45,"zoom":46,"background":47},[6300],{"type":360,"text":6301,"spans":6302},"Find all the Shopee Voucher drops at div.sg/shopee",[],{"link_type":131,"key":6304,"url":6305,"target":133},"a902e14e-bf3a-43be-be72-89b92c905a94","div.sg/shopee",[],"image_with_caption$2611ea3c-b690-40c1-ab4d-acf9b839ad44",{"primary":6309,"items":6322,"id":6323,"slice_type":4938,"slice_label":8},{"image":6310,"caption":6315,"additional_link":6319,"anchor_id":8},{"dimensions":6311,"alt":8,"copyright":8,"url":6312,"id":6313,"edit":6314},{"width":4927,"height":6295},"https://images.prismic.io/dive/ZnPxEpm069VX16Iu_FOODDELIVERY-3-.png?auto=format%2Ccompress&rect=0%2C1%2C3549%2C438&w=1200&h=148","ZnPxEpm069VX16Iu",{"x":45,"y":46,"zoom":46,"background":47},[6316],{"type":360,"text":6317,"spans":6318},"Find all the Lazada Voucher drops at div.sg/lazada",[],{"link_type":131,"key":6320,"url":6321,"target":133},"50e6a6fb-9a04-42fe-9f05-db49e856d023","div.sg/lazada",[],"image_with_caption$ad974b17-194f-4591-87b5-473b2c6421ac",{"primary":6325,"items":6333,"id":6334,"slice_type":112,"slice_label":8},{"text":6326},[6327,6330],{"type":78,"text":6328,"spans":6329},"Popular Categories",[],{"type":59,"text":6331,"spans":6332},"Validated coupons for everyday shoppers!",[],[],"text$c367ed04-bed2-43a7-ac01-7f018fc1decf",{"primary":6336,"items":6337,"id":6416,"slice_type":6417,"slice_label":8},{},[6338,6350,6361,6372,6383,6394,6405],{"button_image":6339,"button_title":6346,"button_link":6347},{"dimensions":6340,"alt":6342,"copyright":8,"url":6343,"id":6344,"edit":6345},{"width":6341,"height":6341},3368,"Food Delivery Button","https://images.prismic.io/dive/ZnKAPJm069VX13cX_9.png?auto=format,compress","ZnKAPJm069VX13cX",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6348,"url":6349,"target":5768},"d47add6b-2bcb-4864-b173-f7e7805e85c1","https://divedeals.sg/singapore-promo-codes#food-delivery-promo-codes",{"button_image":6351,"button_title":6357,"button_link":6358},{"dimensions":6352,"alt":6353,"copyright":8,"url":6354,"id":6355,"edit":6356},{"width":6341,"height":6341},"Mart & Grocery Button","https://images.prismic.io/dive/ZnKAPZm069VX13cY_10.png?auto=format,compress","ZnKAPZm069VX13cY",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6359,"url":6360,"target":5768},"84929ef0-e31d-4aa0-86f3-5c6e4542f352","https://divedeals.sg/singapore-promo-codes#mart-grocery-promo-codes",{"button_image":6362,"button_title":6368,"button_link":6369},{"dimensions":6363,"alt":6364,"copyright":8,"url":6365,"id":6366,"edit":6367},{"width":6341,"height":6341},"Shopping Button","https://images.prismic.io/dive/ZnKAO5m069VX13cV_8.png?auto=format,compress","ZnKAO5m069VX13cV",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6370,"url":6371,"target":5768},"885a94cc-f4f1-485d-95d6-586d43de1c34","https://divedeals.sg/singapore-promo-codes#shopping-promo-codes",{"button_image":6373,"button_title":6379,"button_link":6380},{"dimensions":6374,"alt":6375,"copyright":8,"url":6376,"id":6377,"edit":6378},{"width":6341,"height":6341},"Food Button","https://images.prismic.io/dive/ZnKAO5m069VX13cU_7.png?auto=format,compress","ZnKAO5m069VX13cU",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6381,"url":6382,"target":5768},"ef5de20d-02d2-41c7-8158-c9aa8c7c1d50","https://divedeals.sg/singapore-promo-codes#food-promo-codes",{"button_image":6384,"button_title":6390,"button_link":6391},{"dimensions":6385,"alt":6386,"copyright":8,"url":6387,"id":6388,"edit":6389},{"width":6341,"height":6341},"Travel Button","https://images.prismic.io/dive/Zn-2oR5LeNNTwpHf_25.png?auto=format,compress","Zn-2oR5LeNNTwpHf",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6392,"url":6393,"target":5768},"29a3049c-2527-4037-a969-3fac9630bc54","https://divedeals.sg/singapore-promo-codes#travel-promo-codes",{"button_image":6395,"button_title":6401,"button_link":6402},{"dimensions":6396,"alt":6397,"copyright":8,"url":6398,"id":6399,"edit":6400},{"width":6341,"height":6341},"Experience Button","https://images.prismic.io/dive/Zn-2uh5LeNNTwpHm_24.png?auto=format,compress","Zn-2uh5LeNNTwpHm",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6403,"url":6404,"target":5768},"5c693232-b7a3-4879-a9c5-266d95c7c28a","https://divedeals.sg/singapore-promo-codes#experience-promo-codes",{"button_image":6406,"button_title":6412,"button_link":6413},{"dimensions":6407,"alt":6408,"copyright":8,"url":6409,"id":6410,"edit":6411},{"width":6341,"height":6341},"Transport Button","https://images.prismic.io/dive/Zn-2oh5LeNNTwpHh_26.png?auto=format,compress","Zn-2oh5LeNNTwpHh",{"x":45,"y":45,"zoom":46,"background":47},[],{"link_type":131,"key":6414,"url":6415,"target":5768},"969b17f2-8258-4366-aed6-92fba4bff3fd","https://divedeals.sg/singapore-promo-codes#transport-promo-codes","button_links$27b1c4d6-1b15-4f4b-aa21-903b15ba8ad6","button_links",{"primary":6419,"items":6420,"id":6421,"slice_type":117,"slice_label":8},{},[],"divider$d85647cb-a9a0-4d76-be7f-1ecdf3775a8f",{"primary":6423,"items":6424,"id":6455,"slice_type":6417,"slice_label":8},{},[6425,6440],{"button_image":6426,"button_title":6433,"button_link":6437},{"dimensions":6427,"alt":6429,"copyright":8,"url":6430,"id":6431,"edit":6432},{"width":6428,"height":6428},1080,"foodpanda logo","https://images.prismic.io/dive/ZmnIeJm069VX1sCn_TelegamCreativesTemplate.png?auto=format,compress","ZmnIeJm069VX1sCn",{"x":45,"y":45,"zoom":46,"background":47},[6434],{"type":78,"text":6435,"spans":6436},"foodpanda",[],{"link_type":131,"key":6438,"url":6439,"target":5768},"723b24f5-1019-418d-8e2c-edc07f65e8d1","https://divedeals.sg/singapore-promo-codes#foodpanda",{"button_image":6441,"button_title":6448,"button_link":6452},{"dimensions":6442,"alt":6444,"copyright":8,"url":6445,"id":6446,"edit":6447},{"width":6443,"height":6443},225,"GrabFood logo","https://images.prismic.io/dive/ZlxqXqWtHYXtT_0x_grabfoodlogo.png?auto=format,compress","ZlxqXqWtHYXtT_0x",{"x":45,"y":45,"zoom":46,"background":47},[6449],{"type":78,"text":6450,"spans":6451},"Grab Food",[],{"link_type":131,"key":6453,"url":6454},"5c706555-2ebb-4078-aa8e-f49f20c130bf","https://divedeals.sg/singapore-promo-codes#grab-food","button_links$c483409e-1034-4852-817f-1bde49b931a3",{"primary":6457,"items":6458,"id":6459,"slice_type":117,"slice_label":8},{},[],"divider$843bf629-6afe-45b8-a3a3-7569569808a6",{"primary":6461,"items":6462,"id":6492,"slice_type":6417,"slice_label":8},{},[6463,6477],{"button_image":6464,"button_title":6470,"button_link":6474},{"dimensions":6465,"alt":6466,"copyright":8,"url":6467,"id":6468,"edit":6469},{"width":6428,"height":6428},"pandamart logo","https://images.prismic.io/dive/ZmqPvpm069VX1s3s_TelegamCreativesTemplate-1-.png?auto=format,compress","ZmqPvpm069VX1s3s",{"x":45,"y":45,"zoom":46,"background":47},[6471],{"type":78,"text":6472,"spans":6473},"pandamart",[],{"link_type":131,"key":6475,"url":6476,"target":5768},"51eb8236-5a7a-4ef7-8de0-533500b42100","https://divedeals.sg/singapore-promo-codes#pandamart",{"button_image":6478,"button_title":6485,"button_link":6489},{"dimensions":6479,"alt":6481,"copyright":8,"url":6482,"id":6483,"edit":6484},{"width":6480,"height":6480},260,"Grab Mart Logo","https://images.prismic.io/dive/ZtXRuEaF0TcGJrhJ_grabmart.png?auto=format,compress","ZtXRuEaF0TcGJrhJ",{"x":45,"y":45,"zoom":46,"background":47},[6486],{"type":78,"text":6487,"spans":6488},"GrabMart",[],{"link_type":131,"key":6490,"url":6491},"9de827f5-788f-42dc-8e2e-2223ad185b9e","https://divedeals.sg/singapore-promo-codes#grab-mart","button_links$8d0a66f0-812c-4821-8c1f-f1e5a7f25015",{"primary":6494,"items":6495,"id":6496,"slice_type":117,"slice_label":8},{},[],"divider$4fefe128-04a3-478b-9f29-d78c0c87cf53",{"primary":6498,"items":6499,"id":6641,"slice_type":6417,"slice_label":8},{},[6500,6514,6529,6543,6558,6572,6585,6599,6614,6628],{"button_image":6501,"button_title":6507,"button_link":6511},{"dimensions":6502,"alt":8,"copyright":8,"url":6504,"id":6505,"edit":6506},{"width":4107,"height":6503},366,"https://images.prismic.io/dive/ZmqdI5m069VX1s9e_Sa-Sa-Logo.jpg?auto=format,compress","ZmqdI5m069VX1s9e",{"x":45,"y":45,"zoom":46,"background":47},[6508],{"type":78,"text":6509,"spans":6510},"Sasa",[],{"link_type":131,"key":6512,"url":6513},"7d7165e2-0448-4746-bac1-83dc4bf22d73","https://divedeals.sg/singapore-promo-codes#sasa",{"button_image":6515,"button_title":6522,"button_link":6526},{"dimensions":6516,"alt":6518,"copyright":8,"url":6519,"id":6520,"edit":6521},{"width":6517,"height":6517},1440,"Love, Bonito logo","https://images.prismic.io/dive/ZmqeG5m069VX1s96_lovebonito.png?auto=format,compress","ZmqeG5m069VX1s96",{"x":45,"y":45,"zoom":46,"background":47},[6523],{"type":78,"text":6524,"spans":6525},"Love, Bonito",[],{"link_type":131,"key":6527,"url":6528},"ac91cc78-d542-4431-88f8-452bc0aac5a2","https://divedeals.sg/singapore-promo-codes#love-bonito",{"button_image":6530,"button_title":6536,"button_link":6540},{"dimensions":6531,"alt":6532,"copyright":8,"url":6533,"id":6534,"edit":6535},{"width":4927,"height":4927},"iHerb logo","https://images.prismic.io/dive/Zmqe55m069VX1s-Z_iherb.jpeg?auto=format,compress","Zmqe55m069VX1s-Z",{"x":45,"y":45,"zoom":46,"background":47},[6537],{"type":78,"text":6538,"spans":6539},"iHerb",[],{"link_type":131,"key":6541,"url":6542},"96efb058-e099-4708-8f9b-6098ce7848f8","https://divedeals.sg/singapore-promo-codes#iherb",{"button_image":6544,"button_title":6551,"button_link":6555},{"dimensions":6545,"alt":8,"copyright":8,"url":6547,"id":6548,"edit":6549},{"width":6546,"height":6546},450,"https://images.prismic.io/dive/Zv-X6bVsGrYSwW8Y_Logo1-American-Eagle.jpg?auto=format%2Ccompress&rect=175%2C0%2C450%2C450&w=450&h=450","Zv-X6bVsGrYSwW8Y",{"x":6550,"y":45,"zoom":46,"background":47},175,[6552],{"type":78,"text":6553,"spans":6554},"American Eagle",[],{"link_type":131,"key":6556,"url":6557},"ceb15800-27a5-46c9-9dd3-fce9106088cc","https://divedeals.sg/singapore-promo-codes#american-eagle",{"button_image":6559,"button_title":6565,"button_link":6569},{"dimensions":6560,"alt":8,"copyright":8,"url":6562,"id":6563,"edit":6564},{"width":6561,"height":6561},889,"https://images.prismic.io/dive/aD5tzrh8WN-LVgKw_best-wo-border-320x320.webp?auto=format,compress","aD5tzrh8WN-LVgKw",{"x":45,"y":45,"zoom":46,"background":47},[6566],{"type":78,"text":6567,"spans":6568},"Best Denki",[],{"link_type":131,"key":6570,"url":6571},"3a337fb2-91cd-4d91-b0a9-dbcfdf94e748","https://divedeals.sg/singapore-promo-codes#best-denki",{"button_image":6573,"button_title":6578,"button_link":6582},{"dimensions":6574,"alt":8,"copyright":8,"url":6575,"id":6576,"edit":6577},{"width":6443,"height":6443},"https://images.prismic.io/dive/aQlsQbpReVYa3-kU_dreame.png?auto=format,compress","aQlsQbpReVYa3-kU",{"x":45,"y":45,"zoom":46,"background":47},[6579],{"type":78,"text":6580,"spans":6581},"Dreame Singapore",[],{"link_type":131,"key":6583,"url":6584},"cc953e53-ae04-46e5-a038-4cc9ae21f516","https://divedeals.sg/singapore-promo-codes#dreame-singapore",{"button_image":6586,"button_title":6592,"button_link":6596},{"dimensions":6587,"alt":8,"copyright":8,"url":6589,"id":6590,"edit":6591},{"width":6588,"height":6588},600,"https://images.prismic.io/dive/ZmqeoZm069VX1s-R_robinson.jpeg?auto=format,compress","ZmqeoZm069VX1s-R",{"x":45,"y":45,"zoom":46,"background":47},[6593],{"type":78,"text":6594,"spans":6595},"Robinsons Singapore",[],{"link_type":131,"key":6597,"url":6598},"efd00231-8bf5-4f62-a752-5124ef4026d9","https://divedeals.sg/singapore-promo-codes#robinsons-singapore",{"button_image":6600,"button_title":6607,"button_link":6611},{"dimensions":6601,"alt":8,"copyright":8,"url":6604,"id":6605,"edit":6606},{"width":6602,"height":6603},736,552,"https://images.prismic.io/dive/ZyTWvK8jQArT0Hin_underarmourlogo.jpg?auto=format,compress","ZyTWvK8jQArT0Hin",{"x":45,"y":45,"zoom":46,"background":47},[6608],{"type":78,"text":6609,"spans":6610},"Under Armour",[],{"link_type":131,"key":6612,"url":6613},"ed4e012c-7b18-4aa1-ad38-6d7c2f63f106","https://divedeals.sg/singapore-promo-codes#under-armour",{"button_image":6615,"button_title":6621,"button_link":6625},{"dimensions":6616,"alt":8,"copyright":8,"url":6618,"id":6619,"edit":6620},{"width":6617,"height":6617},500,"https://images.prismic.io/dive/ac5NFpGXnQHGZMyH_m%26s.jpg?auto=format,compress","ac5NFpGXnQHGZMyH",{"x":45,"y":45,"zoom":46,"background":47},[6622],{"type":78,"text":6623,"spans":6624},"Marks & Spencer",[],{"link_type":131,"key":6626,"url":6627},"c034add9-857c-4f47-a379-704abbd3e109","https://divedeals.sg/singapore-promo-codes#marks-&-spencer",{"button_image":6629,"button_title":6634,"button_link":6638},{"dimensions":6630,"alt":8,"copyright":8,"url":6631,"id":6632,"edit":6633},{"width":6443,"height":6443},"https://images.prismic.io/dive/Z8L-5RsAHJWomBVR_images.png?auto=format,compress","Z8L-5RsAHJWomBVR",{"x":45,"y":45,"zoom":46,"background":47},[6635],{"type":78,"text":6636,"spans":6637},"Refash",[],{"link_type":131,"key":6639,"url":6640},"514301d1-16ac-426a-9676-6c0782433038","https://divedeals.sg/singapore-promo-codes#refash","button_links$dde6e544-2a71-48ef-bdeb-e2b20c1d2a3f",{"primary":6643,"items":6644,"id":6645,"slice_type":117,"slice_label":8},{},[],"divider$dcc34c21-997e-4735-9785-c0f1d78e5686",{"primary":6647,"items":6648,"id":6809,"slice_type":6417,"slice_label":8},{},[6649,6663,6676,6689,6702,6716,6730,6743,6757,6770,6783,6796],{"button_image":6650,"button_title":6656,"button_link":6660},{"dimensions":6651,"alt":6652,"copyright":8,"url":6653,"id":6654,"edit":6655},{"width":6428,"height":6428},"Domino's logo","https://images.prismic.io/dive/ZnETm5m069VX10zd_USETHISDiveTeleCreativesTemplate-1-.png?auto=format,compress","ZnETm5m069VX10zd",{"x":45,"y":45,"zoom":46,"background":47},[6657],{"type":78,"text":6658,"spans":6659},"Dominos",[],{"link_type":131,"key":6661,"url":6662},"95bdb05b-3db5-443c-b4ef-fe47f4635250","https://divedeals.sg/singapore-promo-codes#domino-s-pizza",{"button_image":6664,"button_title":6669,"button_link":6673},{"dimensions":6665,"alt":8,"copyright":8,"url":6666,"id":6667,"edit":6668},{"width":6443,"height":6443},"https://images.prismic.io/dive/aGYoYHfc4bHWi_aM_images.png?auto=format,compress","aGYoYHfc4bHWi_aM",{"x":45,"y":45,"zoom":46,"background":47},[6670],{"type":78,"text":6671,"spans":6672},"Tongue Tip Lanzhou Beef Noodles",[],{"link_type":131,"key":6674,"url":6675},"3b8f79ac-1ec2-4167-96cd-99a124819584","https://divedeals.sg/singapore-promo-codes#tongue-tip-lanzhou-beef-noodles",{"button_image":6677,"button_title":6682,"button_link":6686},{"dimensions":6678,"alt":8,"copyright":8,"url":6679,"id":6680,"edit":6681},{"width":6443,"height":6443},"https://images.prismic.io/dive/aLbIpWGNHVfTOhI2_whiterestaurant.jpeg?auto=format,compress","aLbIpWGNHVfTOhI2",{"x":45,"y":45,"zoom":46,"background":47},[6683],{"type":78,"text":6684,"spans":6685},"White Restaurant",[],{"link_type":131,"key":6687,"url":6688},"9326e4fa-8e1e-4930-8cb7-0648eb90eb13","https://divedeals.sg/singapore-promo-codes#white-restaurant",{"button_image":6690,"button_title":6695,"button_link":6699},{"dimensions":6691,"alt":8,"copyright":8,"url":6692,"id":6693,"edit":6694},{"width":6443,"height":6443},"https://images.prismic.io/dive/aNzmJp5xUNkB1UtO_tonggarden.png?auto=format,compress","aNzmJp5xUNkB1UtO",{"x":45,"y":45,"zoom":46,"background":47},[6696],{"type":78,"text":6697,"spans":6698},"Tong Garden Singapore",[],{"link_type":131,"key":6700,"url":6701},"05f5cf96-8b4a-497b-8c9c-5b5e2e6c2ddb","https://divedeals.sg/singapore-promo-codes#tong-garden-singapore",{"button_image":6703,"button_title":6709,"button_link":6713},{"dimensions":6704,"alt":8,"copyright":8,"url":6706,"id":6707,"edit":6708},{"width":6705,"height":6705},1053,"https://images.prismic.io/dive/aNzmJJ5xUNkB1UtL_canadianpizza.jpg?auto=format,compress","aNzmJJ5xUNkB1UtL",{"x":45,"y":45,"zoom":46,"background":47},[6710],{"type":78,"text":6711,"spans":6712},"Canadian Pizza",[],{"link_type":131,"key":6714,"url":6715},"5a45f260-6669-494e-a629-b286d9920fb0","https://divedeals.sg/singapore-promo-codes#canadian-pizza",{"button_image":6717,"button_title":6723,"button_link":6727},{"dimensions":6718,"alt":8,"copyright":8,"url":6720,"id":6721,"edit":6722},{"width":6719,"height":6719},2500,"https://images.prismic.io/dive/aS7ACHNYClf9nr7W_eatpizza.jpg?auto=format,compress","aS7ACHNYClf9nr7W",{"x":45,"y":45,"zoom":46,"background":47},[6724],{"type":78,"text":6725,"spans":6726},"Eat Pizza",[],{"link_type":131,"key":6728,"url":6729},"8f46407f-5036-4fd3-a0b1-8d2985b19bb7","https://divedeals.sg/singapore-promo-codes#eat-pizza",{"button_image":6731,"button_title":6736,"button_link":6740},{"dimensions":6732,"alt":8,"copyright":8,"url":6733,"id":6734,"edit":6735},{"width":6443,"height":6443},"https://images.prismic.io/dive/aVjWQHNYClf9ovx__zus.png?auto=format,compress","aVjWQHNYClf9ovx_",{"x":45,"y":45,"zoom":46,"background":47},[6737],{"type":78,"text":6738,"spans":6739},"ZUS Coffee ",[],{"link_type":131,"key":6741,"url":6742},"45367fed-714f-4ece-a0d9-f8a5563e1132","https://divedeals.sg/singapore-promo-codes#zus-coffee",{"button_image":6744,"button_title":6750,"button_link":6754},{"dimensions":6745,"alt":8,"copyright":8,"url":6747,"id":6748,"edit":6749},{"width":6746,"height":6746},1000,"https://images.prismic.io/dive/aYCjDt0YXLCxVQ4U_hatsumi.jpg?auto=format,compress","aYCjDt0YXLCxVQ4U",{"x":45,"y":45,"zoom":46,"background":47},[6751],{"type":78,"text":6752,"spans":6753},"Hatsumi DonburiSoba",[],{"link_type":131,"key":6755,"url":6756},"85b7c0b5-2db5-4a88-a145-dbbe2d34d47a","https://divedeals.sg/singapore-promo-codes#hatsumi-donburisoba",{"button_image":6758,"button_title":6763,"button_link":6767},{"dimensions":6759,"alt":8,"copyright":8,"url":6760,"id":6761,"edit":6762},{"width":6236,"height":6236},"https://images.prismic.io/dive/Z06id5bqstJ97-U4_DIVEDAILYSUMMARY-3-.png?auto=format,compress","Z06id5bqstJ97-U4",{"x":45,"y":45,"zoom":46,"background":47},[6764],{"type":78,"text":6765,"spans":6766},"UPlay",[],{"link_type":131,"key":6768,"url":6769},"6b6fdfef-9d68-4777-9b6e-9f188c720754","https://divedeals.sg/singapore-promo-codes#uplay",{"button_image":6771,"button_title":6776,"button_link":6780},{"dimensions":6772,"alt":8,"copyright":8,"url":6773,"id":6774,"edit":6775},{"width":6443,"height":6443},"https://images.prismic.io/dive/ac5MHpGXnQHGZMxo_yayoi.png?auto=format,compress","ac5MHpGXnQHGZMxo",{"x":45,"y":45,"zoom":46,"background":47},[6777],{"type":78,"text":6778,"spans":6779},"Yayoi",[],{"link_type":131,"key":6781,"url":6782},"89fe045c-02bd-421e-8570-8d9f7faa184d","https://divedeals.sg/singapore-promo-codes#yayoi",{"button_image":6784,"button_title":6789,"button_link":6793},{"dimensions":6785,"alt":8,"copyright":8,"url":6786,"id":6787,"edit":6788},{"width":6443,"height":6443},"https://images.prismic.io/dive/aLbKMWGNHVfTOhJm_aoneclaypot.jpeg?auto=format,compress","aLbKMWGNHVfTOhJm",{"x":45,"y":45,"zoom":46,"background":47},[6790],{"type":78,"text":6791,"spans":6792},"AOne Claypot House",[],{"link_type":131,"key":6794,"url":6795},"69413ff2-f514-4bf1-bff2-9450f9d9cd0c","https://divedeals.sg/singapore-promo-codes#aone=claypot-house",{"button_image":6797,"button_title":6802,"button_link":6806},{"dimensions":6798,"alt":8,"copyright":8,"url":6799,"id":6800,"edit":6801},{"width":490,"height":6295},"https://images.prismic.io/dive/afb0NsBOoF08xjhY_koilogo.webp?auto=format,compress","afb0NsBOoF08xjhY",{"x":45,"y":45,"zoom":46,"background":47},[6803],{"type":78,"text":6804,"spans":6805},"Koi Thé",[],{"link_type":131,"key":6807,"url":6808},"8535eb63-157e-4d97-bae6-de3862649fca","https://divedeals.sg/singapore-promo-codes#koi-thé","button_links$f5338225-1e02-4a80-8db8-c26d10266184",{"primary":6811,"items":6812,"id":6813,"slice_type":117,"slice_label":8},{},[],"divider$d1c28664-27af-4819-abf2-96a9e2be5c12",{"primary":6815,"items":6816,"id":6860,"slice_type":6417,"slice_label":8},{},[6817,6831,6846],{"button_image":6818,"button_title":6824,"button_link":6828},{"dimensions":6819,"alt":6820,"copyright":8,"url":6821,"id":6822,"edit":6823},{"width":6428,"height":6428},"Klook Logo","https://images.prismic.io/dive/ZmqgPJm069VX1s_I_TelegamCreativesTemplate-4-.png?auto=format,compress","ZmqgPJm069VX1s_I",{"x":45,"y":45,"zoom":46,"background":47},[6825],{"type":78,"text":6826,"spans":6827},"Klook",[],{"link_type":131,"key":6829,"url":6830},"d8030752-ae16-4d7b-9eb0-a35c2da53cbe","https://divedeals.sg/singapore-promo-codes#klook",{"button_image":6832,"button_title":6839,"button_link":6843},{"dimensions":6833,"alt":6835,"copyright":8,"url":6836,"id":6837,"edit":6838},{"width":6834,"height":6834},400,"Trip logo","https://images.prismic.io/dive/ZmqghZm069VX1s_L_trip.jpeg?auto=format,compress","ZmqghZm069VX1s_L",{"x":45,"y":45,"zoom":46,"background":47},[6840],{"type":78,"text":6841,"spans":6842},"Trip",[],{"link_type":131,"key":6844,"url":6845},"7a707f57-532b-4835-8de9-124e8115cb81","https://divedeals.sg/singapore-promo-codes#trip",{"button_image":6847,"button_title":6853,"button_link":6857},{"dimensions":6848,"alt":8,"copyright":8,"url":6850,"id":6851,"edit":6852},{"width":6849,"height":6849},3038,"https://images.prismic.io/dive/ZxM3g4F3NbkBXu46_59525511-0-pelago-logo.png?auto=format,compress","ZxM3g4F3NbkBXu46",{"x":45,"y":45,"zoom":46,"background":47},[6854],{"type":78,"text":6855,"spans":6856},"Pelago by Singapore Airlines",[],{"link_type":131,"key":6858,"url":6859},"457a5f59-8121-44a0-949c-cdc95c7d5b9f","https://divedeals.sg/singapore-promo-codes#pelago-by-singapore-airlines","button_links$4d0554c2-2968-41c9-b18c-e7b11b40f21a",{"primary":6862,"items":6863,"id":6864,"slice_type":117,"slice_label":8},{},[],"divider$1baf1e36-55e1-4cd0-8fbe-fa0a6dfefb1d",{"primary":6866,"items":6867,"id":6919,"slice_type":6417,"slice_label":8},{},[6868,6882,6896,6910],{"button_image":6869,"button_title":6875,"button_link":6879},{"dimensions":6870,"alt":6871,"copyright":8,"url":6872,"id":6873,"edit":6874},{"width":6443,"height":6443},"Photobook logo","https://images.prismic.io/dive/Zq0Bi0aF0TcGIp7W_photobook.png?auto=format,compress","Zq0Bi0aF0TcGIp7W",{"x":45,"y":45,"zoom":46,"background":47},[6876],{"type":78,"text":6877,"spans":6878},"Photobook",[],{"link_type":131,"key":6880,"url":6881},"b877f990-42b1-421f-9e6c-df1fdcf47e9c","https://divedeals.sg/singapore-promo-codes#photobook",{"button_image":6883,"button_title":6889,"button_link":6893},{"dimensions":6884,"alt":8,"copyright":8,"url":6886,"id":6887,"edit":6888},{"width":6885,"height":6885},746,"https://images.prismic.io/dive/aD50Qbh8WN-LVgLz_idraoB9VRI.png?auto=format,compress","aD50Qbh8WN-LVgLz",{"x":45,"y":45,"zoom":46,"background":47},[6890],{"type":78,"text":6891,"spans":6892},"eSIMo",[],{"link_type":131,"key":6894,"url":6895},"f8135d15-e4bb-4c87-ae34-73e7b548c724","https://divedeals.sg/singapore-promo-codes#esimo",{"button_image":6897,"button_title":6903,"button_link":6907},{"dimensions":6898,"alt":8,"copyright":8,"url":6900,"id":6901,"edit":6902},{"width":6899,"height":6899},709,"https://images.prismic.io/dive/Zv4KKrVsGrYSwUlA_352497509_664648565680925_543649094409256006_n.png?auto=format,compress","Zv4KKrVsGrYSwUlA",{"x":45,"y":45,"zoom":46,"background":47},[6904],{"type":78,"text":6905,"spans":6906},"Airalo",[],{"link_type":131,"key":6908,"url":6909},"bb61dbe8-bd44-4428-9f82-58c87d623caf","https://divedeals.sg/singapore-promo-codes#airalo",{"button_image":6911,"button_title":6914,"button_link":6917},{"dimensions":6912,"alt":8,"copyright":8,"url":6760,"id":6761,"edit":6913},{"width":6236,"height":6236},{"x":45,"y":45,"zoom":46,"background":47},[6915],{"type":78,"text":6765,"spans":6916},[],{"link_type":131,"key":6918,"url":6769},"fda2846b-5f5f-4b4a-bf76-33dbce8a3d1e","button_links$a192b73d-6e75-4448-bfa6-10258327dbcd",{"primary":6921,"items":6922,"id":6923,"slice_type":117,"slice_label":8},{},[],"divider$6f7284e4-055b-4e79-bf2d-1370d92e5be4",{"primary":6925,"items":6926,"id":6970,"slice_type":6417,"slice_label":8},{},[6927,6942,6957],{"button_image":6928,"button_title":6935,"button_link":6939},{"dimensions":6929,"alt":6931,"copyright":8,"url":6932,"id":6933,"edit":6934},{"width":6930,"height":6930},512,"Gojek Logo","https://images.prismic.io/dive/ZoKUQx5LeNNTwrJo_gojeklogo.png?auto=format,compress","ZoKUQx5LeNNTwrJo",{"x":45,"y":45,"zoom":46,"background":47},[6936],{"type":78,"text":6937,"spans":6938},"Gojek",[],{"link_type":131,"key":6940,"url":6941,"target":5768},"79531f65-78fc-44f9-a48e-8ec0fb78dfc6","https://divedeals.sg/singapore-promo-codes#gojek",{"button_image":6943,"button_title":6950,"button_link":6954},{"dimensions":6944,"alt":6946,"copyright":8,"url":6947,"id":6948,"edit":6949},{"width":6945,"height":6945},864,"GrabTransport logo","https://images.prismic.io/dive/ZoJhth5LeNNTwqq__GrabTransportLogo.png?auto=format,compress","ZoJhth5LeNNTwqq_",{"x":45,"y":45,"zoom":46,"background":47},[6951],{"type":78,"text":6952,"spans":6953},"Grab Transport",[],{"link_type":131,"key":6955,"url":6956},"54937621-bb6a-4802-b644-08f0150f7207","https://divedeals.sg/singapore-promo-codes#grab-transport",{"button_image":6958,"button_title":6963,"button_link":6967},{"dimensions":6959,"alt":8,"copyright":8,"url":6960,"id":6961,"edit":6962},{"width":6443,"height":6443},"https://images.prismic.io/dive/ac5OdJGXnQHGZMy0_ryde.png?auto=format,compress","ac5OdJGXnQHGZMy0",{"x":45,"y":45,"zoom":46,"background":47},[6964],{"type":78,"text":6965,"spans":6966},"Ryde",[],{"link_type":131,"key":6968,"url":6969},"ae9e5bc2-f9e5-4206-90b7-ad84031305b5","https://divedeals.sg/singapore-promo-codes#ryde","button_links$31617e82-922b-49e2-afea-17ae3283c8b9",{"primary":6972,"items":6973,"id":6974,"slice_type":117,"slice_label":8},{},[],"divider$3de89631-994e-4531-9db0-b5b9483b5472",{"primary":6976,"items":6981,"id":6982,"slice_type":112,"slice_label":8},{"text":6977},[6978],{"type":78,"text":6979,"spans":6980},"Food Delivery Promo Codes",[],[],"text$d86ce249-7d3a-4bef-86aa-428e27bb9977",{"primary":6984,"items":6997,"id":6998,"slice_type":4938,"slice_label":8},{"image":6985,"caption":6991,"additional_link":6995,"anchor_id":6996},{"dimensions":6986,"alt":6987,"copyright":8,"url":6988,"id":6989,"edit":6990},{"width":4927,"height":6295},"Food Delivery Banner","https://images.prismic.io/dive/ZnJ6-pm069VX13Zj_1.png?auto=format%2Ccompress&rect=0%2C0%2C3276%2C404&w=1200&h=148","ZnJ6-pm069VX13Zj",{"x":45,"y":45,"zoom":46,"background":47},[6992],{"type":360,"text":6993,"spans":6994},"Food Delivery Promo Codes 2025",[],{"link_type":4934},"food-delivery-banner",[],"image_with_caption$586fe74c-00d3-4604-a1ea-852effd08850",{"primary":7000,"items":7009,"id":7010,"slice_type":112,"slice_label":8},{"text":7001},[7002,7005],{"type":59,"text":7003,"spans":7004},"Find all the latest food delivery coupons and promo codes from popular brands like GrabFood, foodpanda, and WhyQ. Enjoy additional savings on your food orders by applying verified discount codes and coupons at checkout.",[],{"type":59,"text":7006,"spans":7007},"Note: During COVID-19, there were plenty of food delivery promo codes, but these have decreased, especially from GrabFood as they transitioned to Grab Unlimited. Nonetheless, we will continue providing you with the best food delivery promo codes here!",[7008],{"start":45,"end":1767,"type":95},[],"text$a596af89-73c6-446b-8d52-66fe06c3e005",{"primary":7012,"items":7017,"id":7019,"slice_type":112,"slice_label":8},{"text":7013},[7014],{"type":360,"text":6435,"spans":7015},[7016],{"start":45,"end":2889,"type":95},[7018],{},"text$8a53d5be-686e-48cd-ab03-5b488123e1ac",{"primary":7021,"items":7022,"id":7024,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6435},[7023],{},"brand_coupon_linkage$52422e27-18a5-47dc-87e7-7d94a8a84f6f","brand_coupon_linkage",{"primary":7027,"items":7036,"id":7037,"slice_type":112,"slice_label":8},{"text":7028},[7029],{"type":59,"text":7030,"spans":7031},"Looking for more than just promo codes? Check out the latest promotions and discounts available from foodpanda here: foodpanda Promotions",[7032],{"start":7033,"end":3427,"type":129,"data":7034},117,{"link_type":131,"url":7035,"target":133},"https://divedeals.sg/brands/foodpanda",[],"text$4da93299-bca8-45c7-85b5-a8b964122d71",{"primary":7039,"items":7043,"id":7044,"slice_type":112,"slice_label":8},{"text":7040},[7041],{"type":360,"text":6450,"spans":7042},[],[],"text$f527f980-e72b-49f0-a949-4aa9b878ca13",{"primary":7046,"items":7047,"id":7048,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6450},[],"brand_coupon_linkage$a7fc3c66-e29a-4ced-84f8-a5fe3d266cfb",{"primary":7050,"items":7051,"id":7052,"slice_type":117,"slice_label":8},{},[],"divider$9e41493c-c23b-4baf-bad3-a470e7b64cbb",{"primary":7054,"items":7059,"id":7060,"slice_type":112,"slice_label":8},{"text":7055},[7056],{"type":78,"text":7057,"spans":7058},"Mart & Grocery Promo Codes",[],[],"text$88e89104-52fe-4d98-846b-0f5d0681050e",{"primary":7062,"items":7075,"id":7076,"slice_type":4938,"slice_label":8},{"image":7063,"caption":7069,"additional_link":7073,"anchor_id":7074},{"dimensions":7064,"alt":7065,"copyright":8,"url":7066,"id":7067,"edit":7068},{"width":4927,"height":6295},"Mart & Grocery Banner","https://images.prismic.io/dive/ZnJ6_pm069VX13Zm_3.png?auto=format%2Ccompress&rect=0%2C0%2C3276%2C404&w=1200&h=148","ZnJ6_pm069VX13Zm",{"x":45,"y":45,"zoom":46,"background":47},[7070],{"type":360,"text":7071,"spans":7072},"Online Mart & Grocery Promo Codes 2025",[],{"link_type":4934},"mart-grocery-banner",[],"image_with_caption$9f8cb109-a92a-4d4f-8e03-443c2dd726cc",{"primary":7078,"items":7083,"id":7084,"slice_type":112,"slice_label":8},{"text":7079},[7080],{"type":59,"text":7081,"spans":7082},"Save on your grocery shopping with exclusive coupon codes in this segment. Find the best deals from various supermarkets and online grocery stores, and use the provided grocery coupons to cut down on your expenses.",[],[],"text$903c8b0f-d6cf-4c9a-9991-d2685c6bcd48",{"primary":7086,"items":7091,"id":7093,"slice_type":112,"slice_label":8},{"text":7087},[7088],{"type":360,"text":6472,"spans":7089},[7090],{"start":45,"end":2889,"type":95},[7092],{},"text$d948d863-0963-4a86-a473-88bf995def29",{"primary":7095,"items":7096,"id":7097,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6472},[],"brand_coupon_linkage$5c77cbbb-a3d5-4a0e-9363-22559e5c34d0",{"primary":7099,"items":7104,"id":7105,"slice_type":112,"slice_label":8},{"text":7100},[7101],{"type":360,"text":7102,"spans":7103},"Grab Mart",[],[],"text$9943b2ed-4396-4724-9561-30efbebbc2c2",{"primary":7107,"items":7108,"id":7109,"slice_type":7025,"slice_label":8},{"brand_coupon_title":7102},[],"brand_coupon_linkage$ca5238a8-8af9-4056-9256-e3dc49caf81e",{"primary":7111,"items":7112,"id":7113,"slice_type":117,"slice_label":8},{},[],"divider$ade5239a-82d1-47f2-8087-c321d1525eff",{"primary":7115,"items":7120,"id":7121,"slice_type":112,"slice_label":8},{"text":7116},[7117],{"type":78,"text":7118,"spans":7119},"Shopping Promo Codes",[],[],"text$ec8aece2-cdc6-4905-bce6-370b014314d0",{"primary":7123,"items":7136,"id":7137,"slice_type":4938,"slice_label":8},{"image":7124,"caption":7130,"additional_link":7134,"anchor_id":7135},{"dimensions":7125,"alt":7126,"copyright":8,"url":7127,"id":7128,"edit":7129},{"width":4927,"height":6295},"Shopping Banner","https://images.prismic.io/dive/ZnJ6_Zm069VX13Zk_2.png?auto=format%2Ccompress&rect=0%2C0%2C3276%2C404&w=1200&h=148","ZnJ6_Zm069VX13Zk",{"x":45,"y":45,"zoom":46,"background":47},[7131],{"type":360,"text":7132,"spans":7133},"Online Shopping Promo Codes 2025",[],{"link_type":4934},"shopping-banner",[],"image_with_caption$4d534aba-f158-409f-8aea-c91f4c2d328d",{"primary":7139,"items":7144,"id":7145,"slice_type":112,"slice_label":8},{"text":7140},[7141],{"type":59,"text":7142,"spans":7143},"Uncover amazing promo codes and coupons for top shopping platforms like Sasa, iHerb, Daniel Wellington, and more. Shop for a wide range of products, including laptops, Smart TVs, fashion, skincare, home appliances, and more. Enjoy incredible savings by redeeming the latest shopping coupons and discount codes, ensuring you get the best deals without breaking the bank.",[],[],"text$523a2f3e-4793-4d96-8e1c-f2da2b04e0fe",{"primary":7147,"items":7151,"id":7152,"slice_type":112,"slice_label":8},{"text":7148},[7149],{"type":360,"text":6509,"spans":7150},[],[],"text$087240c6-f16e-4c44-b8de-9a08c118c820",{"primary":7154,"items":7155,"id":7156,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6509},[],"brand_coupon_linkage$da3ebe3b-b7f1-4cac-88d1-4b2f7a4389fe",{"primary":7158,"items":7166,"id":7167,"slice_type":112,"slice_label":8},{"text":7159},[7160],{"type":59,"text":7161,"spans":7162},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Sasa here: Sasa Promotions",[7163],{"start":872,"end":5724,"type":129,"data":7164},{"link_type":131,"url":7165,"target":133},"https://divedeals.sg/brands/Sasa",[],"text$c94d4463-9f67-48b6-bcbc-d2ff0506fd94",{"primary":7169,"items":7173,"id":7174,"slice_type":112,"slice_label":8},{"text":7170},[7171],{"type":360,"text":6524,"spans":7172},[],[],"text$af9460cf-cc94-4c56-b018-47ba78176589",{"primary":7176,"items":7177,"id":7178,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6524},[],"brand_coupon_linkage$b44968c1-367c-40c6-b965-cc5fb9e29480",{"primary":7180,"items":7188,"id":7189,"slice_type":112,"slice_label":8},{"text":7181},[7182],{"type":59,"text":7183,"spans":7184},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Love, Bonito here: Love, Bonito Promotions",[7185],{"start":487,"end":4126,"type":129,"data":7186},{"link_type":131,"url":7187,"target":133},"https://divedeals.sg/brands/Love-Bonito",[],"text$fd32785a-16c0-4435-bffd-4fc949547e81",{"primary":7191,"items":7195,"id":7196,"slice_type":112,"slice_label":8},{"text":7192},[7193],{"type":360,"text":6538,"spans":7194},[],[],"text$d4d91880-9844-4aed-ba95-e35a8f79fac3",{"primary":7198,"items":7199,"id":7200,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6538},[],"brand_coupon_linkage$af76514d-f8be-4de3-bc5c-64445eacd9a4",{"primary":7202,"items":7211,"id":7212,"slice_type":112,"slice_label":8},{"text":7203},[7204],{"type":59,"text":7205,"spans":7206},"Looking for more than just promo codes? Check out the latest promotions and discounts available from iHerb here: iHerb Promotions",[7207],{"start":4317,"end":7208,"type":129,"data":7209},129,{"link_type":131,"url":7210,"target":133},"https://divedeals.sg/brands/iHerb",[],"text$52e9c648-df16-4711-915b-bf12ae1640f0",{"primary":7214,"items":7218,"id":7219,"slice_type":112,"slice_label":8},{"text":7215},[7216],{"type":360,"text":6553,"spans":7217},[],[],"text$ef0e1f66-9562-4e00-a95b-39d7db26e4a6",{"primary":7221,"items":7222,"id":7223,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6553},[],"brand_coupon_linkage$9b8a551c-b6d4-43d6-a380-1c34ffd89913",{"primary":7225,"items":7229,"id":7230,"slice_type":112,"slice_label":8},{"text":7226},[7227],{"type":360,"text":6567,"spans":7228},[],[],"text$3cc90402-52d6-4de1-9483-8ca463b1dd02",{"primary":7232,"items":7233,"id":7234,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6567},[],"brand_coupon_linkage$5142a1d7-695b-4eda-92f5-ea100bcde5b6",{"primary":7236,"items":7240,"id":7241,"slice_type":112,"slice_label":8},{"text":7237},[7238],{"type":360,"text":6580,"spans":7239},[],[],"text$f3188ef4-125c-4343-8583-0658a9c8c9e2",{"primary":7243,"items":7244,"id":7245,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6580},[],"brand_coupon_linkage$1bb5f8ea-985f-43ff-9a90-9c70b2436b69",{"primary":7247,"items":7251,"id":7252,"slice_type":112,"slice_label":8},{"text":7248},[7249],{"type":360,"text":6594,"spans":7250},[],[],"text$cc202b6f-4b80-48d2-a2ee-6cdd7540710e",{"primary":7254,"items":7255,"id":7256,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6594},[],"brand_coupon_linkage$570ac794-e0d5-4003-b4e5-89f62bece454",{"primary":7258,"items":7262,"id":7263,"slice_type":112,"slice_label":8},{"text":7259},[7260],{"type":360,"text":6609,"spans":7261},[],[],"text$80496dfc-0a62-41a4-9e33-a6e407609d55",{"primary":7265,"items":7266,"id":7267,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6609},[],"brand_coupon_linkage$d872d19f-0f29-4842-93bd-b087c5e5c92b",{"primary":7269,"items":7270,"id":7271,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6636},[],"brand_coupon_linkage$8915abdb-56e6-4359-b251-8b79f4755e7b",{"primary":7273,"items":7277,"id":7278,"slice_type":112,"slice_label":8},{"text":7274},[7275],{"type":360,"text":6623,"spans":7276},[],[],"text$ec263f67-db66-4983-998a-0c8690e76d2b",{"primary":7280,"items":7281,"id":7282,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6623},[],"brand_coupon_linkage$4aa7758b-98de-479a-a86e-ed61f736a8ea",{"primary":7284,"items":7288,"id":7289,"slice_type":112,"slice_label":8},{"text":7285},[7286],{"type":360,"text":6636,"spans":7287},[],[],"text$8f16d25b-38a3-459f-8521-d13198f2f9b1",{"primary":7291,"items":7292,"id":7293,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6636},[],"brand_coupon_linkage$a3de61c1-9ea9-4dd0-b795-1cd1bc7cf41d",{"primary":7295,"items":7296,"id":7297,"slice_type":117,"slice_label":8},{},[],"divider$b0dd69b6-9890-4aaf-a0d8-a6f2eaff936b",{"primary":7299,"items":7306,"id":7307,"slice_type":112,"slice_label":8},{"text":7300},[7301],{"type":78,"text":7302,"spans":7303},"Food Promo Codes",[7304],{"start":45,"end":103,"type":129,"data":7305},{"link_type":131,"url":4417,"target":133},[],"text$aaa4185e-53ac-4688-ad04-1d1c097798c6",{"primary":7309,"items":7322,"id":7323,"slice_type":4938,"slice_label":8},{"image":7310,"caption":7316,"additional_link":7320,"anchor_id":7321},{"dimensions":7311,"alt":7312,"copyright":8,"url":7313,"id":7314,"edit":7315},{"width":4927,"height":6295},"Food Banner","https://images.prismic.io/dive/ZnJ6_5m069VX13Zn_4.png?auto=format%2Ccompress&rect=0%2C0%2C3276%2C404&w=1200&h=148","ZnJ6_5m069VX13Zn",{"x":45,"y":45,"zoom":46,"background":47},[7317],{"type":360,"text":7318,"spans":7319},"Food & Restaurants Promo Codes 2025",[],{"link_type":4934},"food-banner",[],"image_with_caption$b561db6e-4ca8-4c36-aa8e-2278cc8453a3",{"primary":7325,"items":7330,"id":7331,"slice_type":112,"slice_label":8},{"text":7326},[7327],{"type":59,"text":7328,"spans":7329},"Get discounts on your favorite fast food chains by using promo codes available at Divedeals.sg. Simply apply these food coupons during checkout to enjoy delicious meals at lower prices.",[],[],"text$1ecbd5b9-7878-4a09-a05a-da7110984181",{"primary":7333,"items":7338,"id":7339,"slice_type":112,"slice_label":8},{"text":7334},[7335],{"type":360,"text":7336,"spans":7337},"Domino's Pizza",[],[],"text$a0400b4b-d6db-45e0-afda-907d2b591781",{"primary":7341,"items":7342,"id":7343,"slice_type":7025,"slice_label":8},{"brand_coupon_title":7336},[],"brand_coupon_linkage$3930dc6d-2f55-4be1-a516-f84d5c8b6b61",{"primary":7345,"items":7353,"id":7354,"slice_type":112,"slice_label":8},{"text":7346},[7347],{"type":59,"text":7348,"spans":7349},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Domino's Pizza here: Domino's Pizza Promotions",[7350],{"start":489,"end":1383,"type":129,"data":7351},{"link_type":131,"url":7352,"target":133},"https://divedeals.sg/brands/Domino's-Pizza",[],"text$10ce5e36-921d-46d0-b4d9-bba47c1a5c0c",{"primary":7356,"items":7360,"id":7361,"slice_type":112,"slice_label":8},{"text":7357},[7358],{"type":360,"text":6671,"spans":7359},[],[],"text$5f76a23a-0067-49d9-af4e-0e252b0f43aa",{"primary":7363,"items":7364,"id":7365,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6671},[],"brand_coupon_linkage$540777ba-2b61-49f7-9130-28919f3d65d8",{"primary":7367,"items":7371,"id":7372,"slice_type":112,"slice_label":8},{"text":7368},[7369],{"type":360,"text":6684,"spans":7370},[],[],"text$592b8c67-4f44-4e8f-8319-ff9afec5a7df",{"primary":7374,"items":7375,"id":7376,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6684},[],"brand_coupon_linkage$f7af1d0a-c2d5-4c5a-9f44-77f1adb14890",{"primary":7378,"items":7382,"id":7383,"slice_type":112,"slice_label":8},{"text":7379},[7380],{"type":360,"text":6697,"spans":7381},[],[],"text$bd5b8a70-9203-4245-a453-008347fb54e0",{"primary":7385,"items":7386,"id":7387,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6697},[],"brand_coupon_linkage$483d196a-c7e6-4a1a-bba6-9c05e9498dd2",{"primary":7389,"items":7393,"id":7394,"slice_type":112,"slice_label":8},{"text":7390},[7391],{"type":360,"text":6711,"spans":7392},[],[],"text$86a2d498-10f0-47f5-9c7a-d68e3468a8e8",{"primary":7396,"items":7397,"id":7398,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6711},[],"brand_coupon_linkage$dd67c500-4ff9-4987-a66f-1d5d2267930f",{"primary":7400,"items":7407,"id":7408,"slice_type":112,"slice_label":8},{"text":7401},[7402],{"type":360,"text":6725,"spans":7403},[7404],{"start":45,"end":2889,"type":129,"data":7405},{"link_type":131,"url":7406,"target":4835},"https://divedeals.sg/brands/Eat-Pizza",[],"text$5cc2ab91-b95a-460e-9ef7-8418983eaf08",{"primary":7410,"items":7411,"id":7412,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6725},[],"brand_coupon_linkage$5561f85f-d6da-4a43-9434-6342fcbb4b22",{"primary":7414,"items":7419,"id":7420,"slice_type":112,"slice_label":8},{"text":7415},[7416],{"type":360,"text":7417,"spans":7418},"ZUS Coffee",[],[],"text$1fd59304-3a52-4103-ad63-780df83e0223",{"primary":7422,"items":7423,"id":7424,"slice_type":7025,"slice_label":8},{"brand_coupon_title":7417},[],"brand_coupon_linkage$077772b9-6066-4fc4-a38e-6324c10bffda",{"primary":7426,"items":7430,"id":7431,"slice_type":112,"slice_label":8},{"text":7427},[7428],{"type":360,"text":6752,"spans":7429},[],[],"text$15dc6f8b-a137-47c2-bbb0-dc6351781b77",{"primary":7433,"items":7434,"id":7435,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6752},[],"brand_coupon_linkage$345125ab-951a-4bd5-877b-62603d61f48e",{"primary":7437,"items":7441,"id":7442,"slice_type":112,"slice_label":8},{"text":7438},[7439],{"type":360,"text":6765,"spans":7440},[],[],"text$88045ff3-f45a-4f5f-b610-e5ea2c1e5491",{"primary":7444,"items":7445,"id":7446,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6765},[],"brand_coupon_linkage$bff79353-52ae-4244-bd5d-f40b5fd5821d",{"primary":7448,"items":7452,"id":7453,"slice_type":112,"slice_label":8},{"text":7449},[7450],{"type":360,"text":6778,"spans":7451},[],[],"text$889eafa2-e3bc-4ef6-95b3-eeb4f13b8d87",{"primary":7455,"items":7456,"id":7457,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6778},[],"brand_coupon_linkage$80fb0f47-6c7e-4391-a002-fbe7989a1b72",{"primary":7459,"items":7463,"id":7464,"slice_type":112,"slice_label":8},{"text":7460},[7461],{"type":360,"text":6791,"spans":7462},[],[],"text$a8ec6ab1-ee24-4fd8-9f2f-d1a8b30fd9e1",{"primary":7466,"items":7467,"id":7468,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6791},[],"brand_coupon_linkage$2b30a020-b4bd-4369-a64d-a6224cf89599",{"primary":7470,"items":7474,"id":7475,"slice_type":112,"slice_label":8},{"text":7471},[7472],{"type":360,"text":6804,"spans":7473},[],[],"text$f631d5bb-b171-4a47-8a48-bf95ebb52849",{"primary":7477,"items":7478,"id":7479,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6804},[],"brand_coupon_linkage$cec1b6f7-d8cc-479d-84ab-49052cb874fb",{"primary":7481,"items":7482,"id":7483,"slice_type":117,"slice_label":8},{},[],"divider$34dc89a3-d937-461b-9d7b-9c7e72df8736",{"primary":7485,"items":7490,"id":7491,"slice_type":112,"slice_label":8},{"text":7486},[7487],{"type":78,"text":7488,"spans":7489},"Travel Promo Codes",[],[],"text$9b2bff34-4b8b-4b6f-8cbb-ace3edf8c67d",{"primary":7493,"items":7505,"id":7506,"slice_type":4938,"slice_label":8},{"image":7494,"caption":7499,"additional_link":7503,"anchor_id":7504},{"dimensions":7495,"alt":8,"copyright":8,"url":7496,"id":7497,"edit":7498},{"width":4927,"height":6295},"https://images.prismic.io/dive/Zn-4-h5LeNNTwpHs_5.png?auto=format%2Ccompress&rect=0%2C1%2C4368%2C539&w=1200&h=148","Zn-4-h5LeNNTwpHs",{"x":45,"y":46,"zoom":46,"background":47},[7500],{"type":360,"text":7501,"spans":7502},"Travel Promo Codes 2025",[],{"link_type":4934},"travel-banner",[],"image_with_caption$0d216773-df7c-4516-af6e-8c894fa33064",{"primary":7508,"items":7512,"id":7513,"slice_type":112,"slice_label":8},{"text":7509},[7510],{"type":360,"text":6826,"spans":7511},[],[],"text$5ebaf3c5-6bd3-4608-97a4-fa95fbe98331",{"primary":7515,"items":7516,"id":7517,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6826},[],"brand_coupon_linkage$dd8fc4d1-0532-4d37-b880-467f037b8066",{"primary":7519,"items":7530,"id":7531,"slice_type":112,"slice_label":8},{"text":7520},[7521],{"type":59,"text":7522,"spans":7523},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Klook here: Klook Promotions, Other Travel Promo Code",[7524,7527],{"start":4317,"end":7208,"type":129,"data":7525},{"link_type":131,"url":7526,"target":133},"https://divedeals.sg/brands/Klook",{"start":2174,"end":2176,"type":129,"data":7528},{"link_type":131,"url":7529,"target":133},"https://divedeals.sg/blog/bank-card-promotions-and-travel-promo-codes",[],"text$953a7028-669e-4d5d-b161-8b5a25b090eb",{"primary":7533,"items":7537,"id":7538,"slice_type":112,"slice_label":8},{"text":7534},[7535],{"type":360,"text":6841,"spans":7536},[],[],"text$9e803680-03d8-489a-9739-077a6f0903ac",{"primary":7540,"items":7541,"id":7542,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6841},[],"brand_coupon_linkage$5f76fc49-1c11-4ab5-a324-a51ed4ee8ad3",{"primary":7544,"items":7555,"id":7556,"slice_type":112,"slice_label":8},{"text":7545},[7546],{"type":59,"text":7547,"spans":7548},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Trip here: Trip Promotions, Other Travel Promo Code",[7549,7552],{"start":872,"end":5724,"type":129,"data":7550},{"link_type":131,"url":7551,"target":133},"https://divedeals.sg/brands/Trip",{"start":7208,"end":7553,"type":129,"data":7554},152,{"link_type":131,"url":7529,"target":133},[],"text$659b16ea-55f5-444e-b015-9a93085ba164",{"primary":7558,"items":7562,"id":7563,"slice_type":112,"slice_label":8},{"text":7559},[7560],{"type":360,"text":6855,"spans":7561},[],[],"text$fa70cc70-3bb8-4160-bc48-c4e0fdbceae5",{"primary":7565,"items":7566,"id":7567,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6855},[],"brand_coupon_linkage$15f64ff4-b591-4010-bb3c-8355f035ba52",{"primary":7569,"items":7570,"id":7571,"slice_type":117,"slice_label":8},{},[],"divider$b7c8e353-e15a-4403-9a02-2ea397391edb",{"primary":7573,"items":7578,"id":7579,"slice_type":112,"slice_label":8},{"text":7574},[7575],{"type":78,"text":7576,"spans":7577},"Experience Promo Codes",[],[],"text$b9e1f080-72a0-4621-9839-b6d150a87601",{"primary":7581,"items":7593,"id":7594,"slice_type":4938,"slice_label":8},{"image":7582,"caption":7587,"additional_link":7591,"anchor_id":7592},{"dimensions":7583,"alt":8,"copyright":8,"url":7584,"id":7585,"edit":7586},{"width":4927,"height":6295},"https://images.prismic.io/dive/Zn-4-x5LeNNTwpHt_6.png?auto=format%2Ccompress&rect=0%2C1%2C4368%2C539&w=1200&h=148","Zn-4-x5LeNNTwpHt",{"x":45,"y":46,"zoom":46,"background":47},[7588],{"type":360,"text":7589,"spans":7590},"Experience Promo Codes 2025",[],{"link_type":4934},"experience-banner",[],"image_with_caption$e07c700a-6dc4-4147-8317-152d19f693e9",{"primary":7596,"items":7601,"id":7602,"slice_type":112,"slice_label":8},{"text":7597},[7598],{"type":59,"text":7599,"spans":7600},"Check out the best travel and experience discounts, compiled all in one place. Use verified coupon codes to save on bookings for courses like Udemy and other experience-related offers. 😊",[],[],"text$cb39ad2d-8821-4f75-bef6-84b59dae1970",{"primary":7604,"items":7608,"id":7609,"slice_type":112,"slice_label":8},{"text":7605},[7606],{"type":360,"text":6877,"spans":7607},[],[],"text$71f5c72d-7a8f-4b60-8213-f6176e585e1b",{"primary":7611,"items":7612,"id":7613,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6877},[],"brand_coupon_linkage$6ff001e5-aea6-4437-83fd-5687ae1ba4ef",{"primary":7615,"items":7619,"id":7620,"slice_type":112,"slice_label":8},{"text":7616},[7617],{"type":360,"text":6891,"spans":7618},[],[],"text$8004d2cd-cfe6-4567-9f04-0c7e990e3242",{"primary":7622,"items":7623,"id":7624,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6891},[],"brand_coupon_linkage$057b004c-8c58-4854-aee6-120d42bf8d09",{"primary":7626,"items":7630,"id":7631,"slice_type":112,"slice_label":8},{"text":7627},[7628],{"type":360,"text":6905,"spans":7629},[],[],"text$8e9b6752-a7b1-4899-af49-90df25ab8956",{"primary":7633,"items":7634,"id":7635,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6905},[],"brand_coupon_linkage$dff39905-ede3-4e8d-be26-5313ea6c4dbe",{"primary":7637,"items":7641,"id":7642,"slice_type":112,"slice_label":8},{"text":7638},[7639],{"type":360,"text":6765,"spans":7640},[],[],"text$6058e319-2322-44c5-a9b9-2d0109742d8c",{"primary":7644,"items":7645,"id":7646,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6765},[],"brand_coupon_linkage$de5acd7e-a3a3-4ba2-8ee6-4980917e4dde",{"primary":7648,"items":7649,"id":7650,"slice_type":117,"slice_label":8},{},[],"divider$cc3a0c68-6822-44f3-9a4b-467e43b517bb",{"primary":7652,"items":7657,"id":7658,"slice_type":112,"slice_label":8},{"text":7653},[7654],{"type":78,"text":7655,"spans":7656},"Transport Promo Codes",[],[],"text$a60d619d-b757-4f26-94e0-3cb3d01009bf",{"primary":7660,"items":7672,"id":7673,"slice_type":4938,"slice_label":8},{"image":7661,"caption":7666,"additional_link":7670,"anchor_id":7671},{"dimensions":7662,"alt":8,"copyright":8,"url":7663,"id":7664,"edit":7665},{"width":4927,"height":6295},"https://images.prismic.io/dive/Zn-4_B5LeNNTwpHu_7.png?auto=format%2Ccompress&rect=0%2C1%2C4368%2C539&w=1200&h=148","Zn-4_B5LeNNTwpHu",{"x":45,"y":46,"zoom":46,"background":47},[7667],{"type":360,"text":7668,"spans":7669},"Transport Promo Codes 2025",[],{"link_type":4934},"transport-banner",[],"image_with_caption$b27c5ad2-8e55-476d-9068-9d5dcd2311f1",{"primary":7675,"items":7679,"id":7680,"slice_type":112,"slice_label":8},{"text":7676},[7677],{"type":360,"text":6937,"spans":7678},[],[],"text$cdece14e-a819-44c6-b5c2-19af15cccf6e",{"primary":7682,"items":7683,"id":7684,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6937},[],"brand_coupon_linkage$3a284469-3ea7-41c1-8e3c-40da910548d2",{"primary":7686,"items":7694,"id":7695,"slice_type":112,"slice_label":8},{"text":7687},[7688],{"type":59,"text":7689,"spans":7690},"Looking for more than just promo codes? Check out the latest promotions and discounts available from Gojek here: Gojek Promotions",[7691],{"start":4317,"end":7208,"type":129,"data":7692},{"link_type":131,"url":7693,"target":133},"https://divedeals.sg/brands/Gojek-Singapore",[],"text$0e198b08-7d91-474f-84ed-a87acd9e3618",{"primary":7697,"items":7701,"id":7702,"slice_type":112,"slice_label":8},{"text":7698},[7699],{"type":360,"text":6952,"spans":7700},[],[],"text$50d6c61f-34ea-4e75-87ce-b4a0d3315fdc",{"primary":7704,"items":7705,"id":7706,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6952},[],"brand_coupon_linkage$4532b5ae-e717-495e-9462-8240767ff392",{"primary":7708,"items":7712,"id":7713,"slice_type":112,"slice_label":8},{"text":7709},[7710],{"type":360,"text":6965,"spans":7711},[],[],"text$c27c0ad6-0492-473b-b413-9c6ceef57611",{"primary":7715,"items":7716,"id":7717,"slice_type":7025,"slice_label":8},{"brand_coupon_title":6965},[],"brand_coupon_linkage$b325910e-4da5-4780-9a09-6e8004eaae28",{"primary":7719,"items":7720,"id":7721,"slice_type":117,"slice_label":8},{},[],"divider$67ea8301-e65d-4c80-b896-0acd411b3f23",{"primary":7723,"items":7824,"id":7826,"slice_type":112,"slice_label":8},{"text":7724},[7725,7728,7734,7737,7740,7743,7746,7748,7751,7754,7758,7761,7764,7767,7770,7773,7776,7779,7782,7785,7792,7795,7798,7801,7804,7807,7813,7816,7819,7821],{"type":78,"text":7726,"spans":7727},"Why Trust DiveDeals’ Singapore Promo Codes",[],{"type":59,"text":7729,"spans":7730},"Singapore is full of expired or fake promo codes — search Reddit and you will see the same complaints every week. The DiveDeals team manually tests every code on this page and updates the list weekly. If a code stops working, message us on Telegram and we will pull it within hours.",[7731],{"start":3782,"end":7732,"type":129,"data":7733},248,{"link_type":131,"url":6282,"target":133},{"type":364,"text":7735,"spans":7736},"Each code is human-tested before it goes live, not scraped from third-party feeds.",[],{"type":364,"text":7738,"spans":7739},"Expired or non-working codes are removed weekly, not buried at the bottom of the page.",[],{"type":364,"text":7741,"spans":7742},"We list the merchant terms and minimum spend so there are no checkout surprises.",[],{"type":364,"text":7744,"spans":7745},"No commission-only listings: codes that benefit you stay even when there is no affiliate payout.",[],{"type":59,"text":5768,"spans":7747},[],{"type":78,"text":7749,"spans":7750},"Frequently Asked Questions About Singapore Promo Codes",[],{"type":360,"text":7752,"spans":7753},"How do I use promo codes from DiveDeals?",[],{"type":7755,"text":7756,"spans":7757},"o-list-item","Find the brand or category section above and pick a code that matches what you want to buy.",[],{"type":7755,"text":7759,"spans":7760},"Tap the green code button to copy it and open the merchant in a new tab.",[],{"type":7755,"text":7762,"spans":7763},"Add your items to cart on the merchant site as usual.",[],{"type":7755,"text":7765,"spans":7766},"Paste the code into the promo or voucher box at checkout before paying.",[],{"type":7755,"text":7768,"spans":7769},"Confirm the discount appears in your order summary, then complete the order.",[],{"type":360,"text":7771,"spans":7772},"How are Singapore promo codes verified on DiveDeals?",[],{"type":59,"text":7774,"spans":7775},"Every code is tested by a member of our team on the actual merchant site before it appears on this page. We re-check the most popular codes weekly and remove anything that has expired, capped out, or quietly changed terms. If a code fails on your end, ping us on Telegram so we can re-verify and update.",[],{"type":360,"text":7777,"spans":7778},"Are Singapore promo codes legit, or are most of them fake?",[],{"type":59,"text":7780,"spans":7781},"Most expired codes you see on aggregator sites are not fake — they were real once, but no one bothered to take them down. The fix is to use a source that timestamps each code and removes dead ones promptly. On DiveDeals, every code is human-tested before it goes live, and the list is pruned weekly so you should not waste time on dead vouchers.",[],{"type":360,"text":7783,"spans":7784},"Can I stack a promo code with cashback or a credit card discount?",[],{"type":59,"text":7786,"spans":7787},"Yes, and stacking is usually the biggest win. Apply the merchant promo code first at checkout, then pay with a credit card that has a category bonus (food delivery, online shopping, travel), and route the click through a cashback portal where eligible. We break down the best cards by category in our credit card sign-up promotions guide.",[7788],{"start":7789,"end":7790,"type":129,"data":7791},301,337,{"link_type":131,"url":3784,"target":133},{"type":360,"text":7793,"spans":7794},"What are the best Singapore promo codes for a first order or new user?",[],{"type":59,"text":7796,"spans":7797},"First-order codes are usually the most generous because brands are paying to acquire you. The biggest active ones in Singapore right now are on foodpanda, GrabFood, Klook, Trip.com, Lazada and Shopee. Look for the labels marked Exclusive or New User in the brand sections above — those are the ones tied to a fresh account or first transaction.",[],{"type":360,"text":7799,"spans":7800},"Why is my Singapore promo code not working at checkout?",[],{"type":59,"text":7802,"spans":7803},"Nine times out of ten it is one of three things: the order is below the minimum spend, the code is locked to a specific payment method (often a particular bank card), or your account has already used a one-per-customer code. Re-read the small grey terms under the code on this page and check your cart total before assuming the code is dead.",[],{"type":360,"text":7805,"spans":7806},"Are there 1-for-1 promo codes in Singapore?",[],{"type":59,"text":7808,"spans":7809},"Yes — 1-for-1 deals in Singapore usually run as bank-card promotions rather than codes you key in at checkout. Mastercard, UOB and Citi all run 1-for-1 dining and attraction campaigns through the year. We round up the best of these in our 1-for-1 buffet guide, which covers hotel buffets, hotpot and high tea.",[7810],{"start":3007,"end":7811,"type":129,"data":7812},259,{"link_type":131,"url":6164,"target":133},{"type":360,"text":7814,"spans":7815},"How often is this Singapore promo codes page updated?",[],{"type":59,"text":7817,"spans":7818},"We update the page at least weekly, and more often when major sale events like 5.5, 9.9 or Black Friday are running. Brand sections that change quickly — food delivery, ride-hailing, marketplace codes — are checked first. The page modified date at the top of this article reflects the most recent edit.",[],{"type":59,"text":5768,"spans":7820},[],{"type":59,"text":7822,"spans":7823},"Disclaimer: We may earn a commission from partnering brands to support our continuous deal-hunting efforts for our beloved community – that’s you 😊",[],[7825],{},"text$2c1c3bad-f1d4-4ece-a19d-d1b48d03a639",1779007041248]