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Bereavement gifts (no threshold, always tax-free)",[8011],{"start":9,"end":8012,"type":5402,"data":8013},53,{"link_type":69,"url":8014,"target":186},"#10-bereavement-gifts-no-threshold-always-tax-free-",[],"text$2aa841e8-c6a3-4b98-8b79-a0128db32e21",{"primary":8018,"items":8019,"id":8020,"slice_type":8021,"slice_label":107},{},[],"divider$0e5acbfd-758d-45a8-817d-e6eed78c4b18","divider",{"primary":8023,"items":8056,"id":8057,"slice_type":7941,"slice_label":107},{"text":8024},[8025,8027,8030,8033,8036,8041,8045,8049],{"type":7946,"text":7950,"spans":8026},[],{"type":180,"text":8028,"spans":8029},"IRAS treats most staff gifts as tax-free if they fall under specific occasions and stay under $200 per occasion per employee. That sentence sounds friendly. The implementation is not.",[],{"type":180,"text":8031,"spans":8032},"The IRAS rule is a cliff, not a slope. A $200 birthday voucher is fully tax-free. A $201 birthday voucher is fully taxable. Not just the excess - the entire $201. The employee adds it to their assessable income, the company adds it to IR8A, and your finance team spends a quarter explaining it.",[],{"type":180,"text":8034,"spans":8035},"Three implications most companies miss:",[],{"type":4229,"text":8037,"spans":8038},"$200 is the per-occasion ceiling, not the per-year ceiling - You can give a $200 CNY ang pow, a $200 Hari Raya hamper, a $200 Deepavali voucher, a $200 birthday gift, and a $200 service award to the same employee in one year. All five are tax-free if each individual occasion stays under $200.",[8039],{"start":9,"end":8040,"type":3603},58,{"type":4229,"text":8042,"spans":8043},"Cash counts for some occasions, non-cash only for others - Festive ang pow, birthday cash, wedding ang pow can all be cash and still tax-free under $200. Long service and retirement awards must be non-cash to qualify. Mix this up and you lose the concession.",[8044],{"start":9,"end":6960,"type":3603},{"type":4229,"text":8046,"spans":8047},"The cap is per employee, not per gift - If you give a $250 hamper to a married couple where both are your employees, that is $125 per head and fully tax-free. If you give it to one employee, it is $250 and fully taxable. Same hamper, very different treatment.",[8048],{"start":9,"end":7315,"type":3603},{"type":180,"text":8050,"spans":8051},"This entire post optimises around the $200 ceiling. The full tax mechanics including the CPF treatment of perks are covered in our employee benefits tax cheat sheet for Singapore.",[8052],{"start":8053,"end":7340,"type":5402,"data":8054},131,{"link_type":69,"url":8055},"https://divedeals.sg/blog/employee-benefits-tax-cheat-sheet-singapore",[],"text$9ac5229e-6a0d-40f4-99eb-3a0b2bdb1913",{"primary":8059,"items":8060,"id":8061,"slice_type":8021,"slice_label":107},{},[],"divider$14aea9d7-14e9-4ba1-b65b-e04b2e899776",{"primary":8063,"items":8070,"id":8071,"slice_type":7941,"slice_label":107},{"text":8064},[8065,8067],{"type":7946,"text":7957,"spans":8066},[],{"type":180,"text":8068,"spans":8069},"Here is the full landscape. Notice that two of the nine have no dollar threshold at all, two require non-cash form, and the rest cap at $200 per occasion.",[],[],"text$b737df49-b46a-4281-a9b8-62d72053900c",{"primary":8073,"items":8078,"id":8241,"slice_type":8242,"slice_label":107},{"table_title":8074},[8075],{"type":171,"text":8076,"spans":8077},"IRAS staff gift concession at a glance",[],[8079,8103,8120,8135,8150,8165,8181,8195,8210,8225],{"col1":8080,"col2":8086,"col3":8092,"col4":8098},[8081],{"type":180,"text":8082,"spans":8083},"Occasion",[8084],{"start":9,"end":8085,"type":3603},8,[8087],{"type":180,"text":8088,"spans":8089},"Threshold",[8090],{"start":9,"end":8091,"type":3603},9,[8093],{"type":180,"text":8094,"spans":8095},"Form",[8096],{"start":9,"end":8097,"type":3603},4,[8099],{"type":180,"text":8100,"spans":8101},"CPF treatment",[8102],{"start":9,"end":5703,"type":3603},{"col1":8104,"col2":8108,"col3":8112,"col4":8116},[8105],{"type":180,"text":8106,"spans":8107},"Festive gift (CNY, Hari Raya, Deepavali, Christmas)",[],[8109],{"type":180,"text":8110,"spans":8111},"$200",[],[8113],{"type":180,"text":8114,"spans":8115},"Cash or non-cash",[],[8117],{"type":180,"text":8118,"spans":8119},"Cash typically wage and CPF-able. Non-cash usually CPF-free.",[],{"col1":8121,"col2":8125,"col3":8128,"col4":8131},[8122],{"type":180,"text":8123,"spans":8124},"Birthday gift",[],[8126],{"type":180,"text":8110,"spans":8127},[],[8129],{"type":180,"text":8114,"spans":8130},[],[8132],{"type":180,"text":8133,"spans":8134},"Same. Stick with non-cash for clean CPF treatment.",[],{"col1":8136,"col2":8140,"col3":8143,"col4":8146},[8137],{"type":180,"text":8138,"spans":8139},"Wedding gift",[],[8141],{"type":180,"text":8110,"spans":8142},[],[8144],{"type":180,"text":8114,"spans":8145},[],[8147],{"type":180,"text":8148,"spans":8149},"Cash ang pow at wedding is wage; non-cash is benefit-in-kind.",[],{"col1":8151,"col2":8155,"col3":8158,"col4":8161},[8152],{"type":180,"text":8153,"spans":8154},"Newborn gift",[],[8156],{"type":180,"text":8110,"spans":8157},[],[8159],{"type":180,"text":8114,"spans":8160},[],[8162],{"type":180,"text":8163,"spans":8164},"Same as wedding.",[],{"col1":8166,"col2":8170,"col3":8173,"col4":8177},[8167],{"type":180,"text":8168,"spans":8169},"Long service award (5, 10, 15, 20+ years)",[],[8171],{"type":180,"text":8110,"spans":8172},[],[8174],{"type":180,"text":8175,"spans":8176},"Non-cash ONLY",[],[8178],{"type":180,"text":8179,"spans":8180},"Non-cash, CPF-free.",[],{"col1":8182,"col2":8186,"col3":8189,"col4":8192},[8183],{"type":180,"text":8184,"spans":8185},"Retirement award",[],[8187],{"type":180,"text":8110,"spans":8188},[],[8190],{"type":180,"text":8175,"spans":8191},[],[8193],{"type":180,"text":8179,"spans":8194},[],{"col1":8196,"col2":8200,"col3":8203,"col4":8206},[8197],{"type":180,"text":8198,"spans":8199},"Service excellence award",[],[8201],{"type":180,"text":8110,"spans":8202},[],[8204],{"type":180,"text":8114,"spans":8205},[],[8207],{"type":180,"text":8208,"spans":8209},"Cash version is wage. Non-cash CPF-free.",[],{"col1":8211,"col2":8215,"col3":8218,"col4":8221},[8212],{"type":180,"text":8213,"spans":8214},"Zero or low MC award",[],[8216],{"type":180,"text":8110,"spans":8217},[],[8219],{"type":180,"text":8114,"spans":8220},[],[8222],{"type":180,"text":8223,"spans":8224},"Same as service excellence.",[],{"col1":8226,"col2":8230,"col3":8234,"col4":8237},[8227],{"type":180,"text":8228,"spans":8229},"Bereavement gift",[],[8231],{"type":180,"text":8232,"spans":8233},"No threshold",[],[8235],{"type":180,"text":8114,"spans":8236},[],[8238],{"type":180,"text":8239,"spans":8240},"Always tax-free, always CPF-free.",[],"table__4_columns_$25cc5dab-8f91-4e4f-b65a-fa77aaf4bb94","table__4_columns_",{"primary":8244,"items":8252,"id":8253,"slice_type":7941,"slice_label":107},{"text":8245},[8246,8249],{"type":180,"text":8247,"spans":8248},"Two patterns are worth memorising. First, non-cash gifts are almost always cleaner from a CPF point of view because they are benefits-in-kind rather than wages. Second, the $200 ceiling is exclusive of GST in practice - what matters to IRAS is the value to the employee, not the GST you reclaim.",[],{"type":180,"text":8250,"spans":8251},"If the gift is staff discount on a product your company sells, a separate concession applies: the staff discount is tax-free as long as the item retails under $500 and the discount is offered to all staff. That is per item, not a yearly cap.",[],[],"text$7625d33c-89f8-4b69-ad7a-081462006d20",{"primary":8255,"items":8256,"id":8257,"slice_type":8021,"slice_label":107},{},[],"divider$de744ce6-a7bc-492c-8f3e-10f1af883492",{"slice_type":8259,"primary":8260,"items":8261},"sponsoredBrands",{},["Reactive",7826],{"primary":8263,"items":8339,"id":8340,"slice_type":7941,"slice_label":107},{"text":8264},[8265,8267,8270,8273,8276,8280,8284,8288,8292,8295,8298,8303,8308,8313,8317,8321,8325,8329,8332],{"type":7946,"text":7964,"spans":8266},[],{"type":180,"text":8268,"spans":8269},"CNY is the highest-volume gifting moment in Singapore corporate calendars. Most SMEs default to ang pow or generic mandarin oranges. The under-$200 rule lets you do meaningfully better at the same price point.",[],{"type":171,"text":8271,"spans":8272},"CNY ang pow tier ($88 / $128 / $168 / $188)",[],{"type":180,"text":8274,"spans":8275},"Auspicious numbers matter culturally. Stay under $200 to keep the tax-free treatment. Common SME tiers:",[],{"type":4229,"text":8277,"spans":8278},"$88 ang pow - Junior staff, contract roles. $7,040 cost for a 80-person team.",[8279],{"start":9,"end":5452,"type":3603},{"type":4229,"text":8281,"spans":8282},"$128 ang pow - Standard executive. $10,240 for 80-person team.",[8283],{"start":9,"end":7014,"type":3603},{"type":4229,"text":8285,"spans":8286},"$168 ang pow - Mid-level / managers. $13,440 for 80-person team.",[8287],{"start":9,"end":7014,"type":3603},{"type":4229,"text":8289,"spans":8290},"$188 ang pow - Senior managers. $15,040 for 80-person team.",[8291],{"start":9,"end":7014,"type":3603},{"type":180,"text":8293,"spans":8294},"Cash ang pow is technically wage from a strict CPF standpoint, but a one-off festive ang pow under $200 is widely treated as a goodwill payment in practice. Confirm the position with your accountant before scaling. The cleaner alternative is a non-cash gift of equivalent value.",[],{"type":171,"text":8296,"spans":8297},"Non-cash CNY gift menu (under $200, full tax-free + CPF-free treatment)",[],{"type":4229,"text":8299,"spans":8300},"Premium pineapple tart hamper - $80 to $150. Vendors: Le Cafe, Bengawan Solo, Old Seng Choong.",[8301],{"start":9,"end":8302,"type":3603},29,{"type":4229,"text":8304,"spans":8305},"Bak kwa hamper from Bee Cheng Hiang or Lim Chee Guan - $90 to $180. Order 3 weeks ahead, queues are real.",[8306],{"start":9,"end":8307,"type":3603},52,{"type":4229,"text":8309,"spans":8310},"Premium tea set (Tealife, TWG, Ten Ren) - $100 to $180. Goes well with CNY visitation gifting culture.",[8311],{"start":9,"end":8312,"type":3603},39,{"type":4229,"text":8314,"spans":8315},"Fresh mandarin oranges box (Daiso to Cold Storage premium) - $20 to $80. Combine with another item to get to a bigger gesture.",[8316],{"start":9,"end":8040,"type":3603},{"type":4229,"text":8318,"spans":8319},"Wine or sparkling shiraz under $150 - Suitable for non-Muslim staff. Pair with a card.",[8320],{"start":9,"end":5400,"type":3603},{"type":4229,"text":8322,"spans":8323},"Foodpanda voucher or NTUC FairPrice voucher $100 to $150 - Maximally flexible, no logistics, neutral across all dietary needs.",[8324],{"start":9,"end":6960,"type":3603},{"type":4229,"text":8326,"spans":8327},"Klook or KrisFlyer experience voucher $150 to $200 - Higher perceived value than the dollar suggests, especially with younger staff.",[8328],{"start":9,"end":7953,"type":3603},{"type":180,"text":8330,"spans":8331},"Practical tip: vouchers tax-treat exactly the same as physical gifts as long as they are non-cash and stay under $200. They are also easier to scale, easier to administer, and avoid storage and distribution headaches. SMEs with 50+ staff often default to vouchers for this reason.",[],{"type":180,"text":8333,"spans":8334},"If you want to give your team something they can actually choose for themselves, a discount platform subscription ($60-$120 per head per year) typically delivers more usable value than a one-off hamper. See the best employee discounts available in Singapore for what these tend to include.",[8335],{"start":8336,"end":7804,"type":5402,"data":8337},211,{"link_type":69,"url":8338},"https://divedeals.sg/blog/what-are-the-best-employee-discounts",[],"text$44cb9f58-04ef-4716-b304-7ec9daeb319f",{"primary":8342,"items":8343,"id":8344,"slice_type":8021,"slice_label":107},{},[],"divider$823e7b34-6632-41a6-ac6e-f012580b80d6",{"primary":8346,"items":8390,"id":8391,"slice_type":7941,"slice_label":107},{"text":8347},[8348,8350,8353,8356,8361,8366,8371,8375,8379,8383,8387],{"type":7946,"text":7970,"spans":8349},[],{"type":180,"text":8351,"spans":8352},"Hari Raya gifting is meaningful for Muslim colleagues and underspent by most SMEs. The same $200 ceiling applies as a separate occasion from CNY, so a single employee can receive a CNY gift in February and a Hari Raya gift in March or April, both fully tax-free.",[],{"type":171,"text":8354,"spans":8355},"Halal-friendly Hari Raya gift menu",[],{"type":4229,"text":8357,"spans":8358},"Premium kueh hamper (Bengawan Solo, Polar Puffs, Pine Garden) - $50 to $130. Confirm halal certification on individual items.",[8359],{"start":9,"end":8360,"type":3603},61,{"type":4229,"text":8362,"spans":8363},"Halal-certified hamper from a major retailer - $80 to $180. Cold Storage, Sheng Siong and FairPrice all do these in Hari Raya season.",[8364],{"start":9,"end":8365,"type":3603},44,{"type":4229,"text":8367,"spans":8368},"Premium dates hamper (Medjool from Iran, Saudi Sukkari) - $50 to $150. Always halal-safe and culturally on-point.",[8369],{"start":9,"end":8370,"type":3603},55,{"type":4229,"text":8372,"spans":8373},"Halal-certified bak kwa or rendang/satay set - $80 to $150. Vendors: Tian Hao Wei, Saadia.",[8374],{"start":9,"end":8365,"type":3603},{"type":4229,"text":8376,"spans":8377},"Hari Raya outfit voucher or fabric voucher - $100 to $200. Tang's, Naiise, M)phosis often run cards.",[8378],{"start":9,"end":6406,"type":3603},{"type":4229,"text":8380,"spans":8381},"Foodpanda or GrabFood voucher $100 to $150 - Same logic as CNY. Maximally flexible.",[8382],{"start":9,"end":6406,"type":3603},{"type":4229,"text":8384,"spans":8385},"Hari Raya ang pow (cash, traditional green packet) - $50 to $188. Same considerations as CNY ang pow.",[8386],{"start":9,"end":7953,"type":3603},{"type":180,"text":8388,"spans":8389},"Hari Raya is also a good moment to add a personal touch (handwritten card, name on the gift) because the culture leans on personal connection more than corporate efficiency. The marginal cost is zero, the perceived value is high.",[],[],"text$4d08571d-4632-49c2-b220-d19bef83fd9f",{"primary":8393,"items":8394,"id":8395,"slice_type":8021,"slice_label":107},{},[],"divider$6e2b0d74-a677-4546-8d22-68cf92604b90",{"primary":8397,"items":8436,"id":8437,"slice_type":7941,"slice_label":107},{"text":8398},[8399,8401,8404,8407,8412,8417,8421,8425,8429,8433],{"type":7946,"text":7976,"spans":8400},[],{"type":180,"text":8402,"spans":8403},"Deepavali in late October or early November is often the third festive moment in the calendar. Same $200 cap, separate occasion.",[],{"type":171,"text":8405,"spans":8406},"Deepavali gift menu",[],{"type":4229,"text":8408,"spans":8409},"Premium Indian sweets hamper (Komala's, Anjappar, Khansama) - $40 to $120. Confirm halal or vegetarian preference per recipient.",[8410],{"start":9,"end":8411,"type":3603},59,{"type":4229,"text":8413,"spans":8414},"Premium nut and dried fruit hamper - $80 to $180. Universally welcome, no dietary issues.",[8415],{"start":9,"end":8416,"type":3603},34,{"type":4229,"text":8418,"spans":8419},"Diya (oil lamp) or rangoli kit - $30 to $100. Cultural and personal, lower price point but high gesture.",[8420],{"start":9,"end":5512,"type":3603},{"type":4229,"text":8422,"spans":8423},"Indian wear voucher or bookstore voucher - $100 to $200. Allows recipient to choose.",[8424],{"start":9,"end":7433,"type":3603},{"type":4229,"text":8426,"spans":8427},"Deepavali ang pow (or equivalent cash gift) - $50 to $188. Cultural neutrality is fine; many Indian families exchange cash on Deepavali.",[8428],{"start":9,"end":5453,"type":3603},{"type":4229,"text":8430,"spans":8431},"Foodpanda or GrabFood voucher $100 to $150 - Reliable default.",[8432],{"start":9,"end":6406,"type":3603},{"type":180,"text":8434,"spans":8435},"Deepavali is the festive occasion most often skipped or under-funded by Singapore SMEs. Showing up here builds disproportionate goodwill with Indian colleagues, especially in industries where the headcount is smaller and the gesture is more personal.",[],[],"text$7fd85e84-9a97-403d-a2ab-a192536e49ac",{"primary":8439,"items":8440,"id":8441,"slice_type":8021,"slice_label":107},{},[],"divider$757a3b34-d975-44c0-9794-42619163443b",{"slice_type":8443,"primary":8444,"items":8445},"sponsoredDeals",{},[8446,8447,8448],["Reactive",4],["Reactive",37],["Reactive",74],{"primary":8450,"items":8495,"id":8496,"slice_type":7941,"slice_label":107},{"text":8451},[8452,8454,8457,8460,8465,8470,8474,8478,8483,8487,8492],{"type":7946,"text":7982,"spans":8453},[],{"type":180,"text":8455,"spans":8456},"Year-end gifting in Singapore overlaps with Christmas and the AGM/D&D season. Many SMEs combine the two into one occasion, which is fine for tax purposes - the $200 cap applies to whichever occasion you label it as.",[],{"type":171,"text":8458,"spans":8459},"Christmas / year-end gift menu",[],{"type":4229,"text":8461,"spans":8462},"Premium Christmas hamper (Cold Storage, Marketplace, Eat At Seven) - $80 to $200. The classic.",[8463],{"start":9,"end":8464,"type":3603},66,{"type":4229,"text":8466,"spans":8467},"Wine + chocolate set under $150 - Suitable for non-Muslim recipients. Pair with a card.",[8468],{"start":9,"end":8469,"type":3603},31,{"type":4229,"text":8471,"spans":8472},"Spotify, Netflix, Apple One annual gift - $120 to $180. Recurring perceived value, not one-off.",[8473],{"start":9,"end":8312,"type":3603},{"type":4229,"text":8475,"spans":8476},"Bookstore voucher (Kinokuniya, Times) - $100 to $200. Quietly classy.",[8477],{"start":9,"end":7315,"type":3603},{"type":4229,"text":8479,"spans":8480},"Klook experience voucher (massage, staycation) - $100 to $200. Younger staff prefer experiences.",[8481],{"start":9,"end":8482,"type":3603},46,{"type":4229,"text":8484,"spans":8485},"D&D lucky draw prize cap - Each prize under $200 stays inside the festive concession. Stack across the room.",[8486],{"start":9,"end":6267,"type":3603},{"type":4229,"text":8488,"spans":8489},"Tech accessories (good earphones, MagSafe accessories, mechanical keyboard) - $100 to $200. Engineers genuinely use these.",[8490],{"start":9,"end":8491,"type":3603},75,{"type":180,"text":8493,"spans":8494},"D&D events deserve a specific note: the entire event cost (food, venue, entertainment) is covered by the camaraderie concession with no per-employee threshold. Lucky draw prizes given out on the night fall under festive gifts and need to stay under $200 each. Mixing these up causes most of the year-end IRAS errors.",[],[],"text$1e966f9a-c0c2-480f-a4d0-f00a4404cd9b",{"primary":8498,"items":8499,"id":8500,"slice_type":8021,"slice_label":107},{},[],"divider$5f4e95ef-75f7-45be-8c8b-79f6bd3b800b",{"primary":8502,"items":8563,"id":8564,"slice_type":7941,"slice_label":107},{"text":8503},[8504,8506,8509,8512,8516,8520,8524,8529,8532,8537,8541,8545,8548,8552,8556,8560],{"type":7946,"text":7989,"spans":8505},[],{"type":180,"text":8507,"spans":8508},"These are 'special occasion' gifts under IRAS. Same $200 cap, separate from festive. So a $200 CNY gift and a $200 birthday gift in the same year are both tax-free.",[],{"type":171,"text":8510,"spans":8511},"Birthday gifts",[],{"type":4229,"text":8513,"spans":8514},"Lazada / Shopee voucher $50 to $100 - Standard SME default. Easy to administer.",[8515],{"start":9,"end":5400,"type":3603},{"type":4229,"text":8517,"spans":8518},"Foodpanda or NTUC voucher $80 to $150 - Useful, broadly welcome.",[8519],{"start":9,"end":7315,"type":3603},{"type":4229,"text":8521,"spans":8522},"Personalised cake delivery (Edible Arrangements, Cedele, Awfully Chocolate) - $60 to $120.",[8523],{"start":9,"end":8491,"type":3603},{"type":4229,"text":8525,"spans":8526},"Spa or wellness voucher $100 to $200 - Higher perceived value.",[8527],{"start":9,"end":8528,"type":3603},36,{"type":171,"text":8530,"spans":8531},"Wedding gifts",[],{"type":4229,"text":8533,"spans":8534},"Wedding ang pow $100 to $200 - Cultural default. Cash counts under the special occasion concession.",[8535],{"start":9,"end":8536,"type":3603},28,{"type":4229,"text":8538,"spans":8539},"Wedding gift voucher (Tang's, IKEA, Courts) - $150 to $200.",[8540],{"start":9,"end":5453,"type":3603},{"type":4229,"text":8542,"spans":8543},"Group-pooled gift to fund honeymoon stay - Effective if the team chips in. Consider the cap if any single contribution is from the company.",[8544],{"start":9,"end":7433,"type":3603},{"type":171,"text":8546,"spans":8547},"Newborn gifts",[],{"type":4229,"text":8549,"spans":8550},"Baby gift hamper from Mothercare, IKEA, Pupsik - $100 to $200.",[8551],{"start":9,"end":8482,"type":3603},{"type":4229,"text":8553,"spans":8554},"MaMaCare or Lullaby pre-paid postnatal voucher - Up to $200.",[8555],{"start":9,"end":8482,"type":3603},{"type":4229,"text":8557,"spans":8558},"Personalised baby blanket or bib set - $50 to $150.",[8559],{"start":9,"end":8528,"type":3603},{"type":180,"text":8561,"spans":8562},"Pattern across these three: the gesture matters more than the dollar value. A $80 personalised birthday cake delivered with a card from the team often beats a $150 generic voucher in perceived warmth. SMEs that do this consistently get a real culture dividend.",[],[],"text$134c90a3-c639-4959-af4f-ed4a6744514e",{"primary":8566,"items":8567,"id":8568,"slice_type":8021,"slice_label":107},{},[],"divider$bb8b0e8e-8ea3-4e3f-818d-8b762a358fd1",{"primary":8570,"items":8620,"id":8621,"slice_type":7941,"slice_label":107},{"text":8571},[8572,8574,8577,8581,8585,8588,8592,8597,8601,8605,8609,8613,8617],{"type":7946,"text":7996,"spans":8573},[],{"type":180,"text":8575,"spans":8576},"Long service awards are the trickiest of the lot because the rules are stricter and the typical mistakes are bigger. Two non-negotiable rules:",[],{"type":4229,"text":8578,"spans":8579},"Must be non-cash - A $200 long service voucher is fine. A $200 cash bonus marked 'long service' is fully taxable. The format kills the concession.",[8580],{"start":9,"end":6275,"type":3603},{"type":4229,"text":8582,"spans":8583},"Must be tied to actual length of service - Most SMEs honour this in 5-year increments (5, 10, 15, 20 years). The exact thresholds are flexible but the concession is for genuine long-service recognition, not arbitrary bonus dressing.",[8584],{"start":9,"end":7433,"type":3603},{"type":171,"text":8586,"spans":8587},"Non-cash long service award menu under $200",[],{"type":4229,"text":8589,"spans":8590},"Engraved pen (Parker, Cross, Lamy) - $50 to $200. Classical and personal.",[8591],{"start":9,"end":8416,"type":3603},{"type":4229,"text":8593,"spans":8594},"Premium watch under $200 (Casio Edifice, Seiko entry, Daniel Wellington) - $100 to $200.",[8595],{"start":9,"end":8596,"type":3603},72,{"type":4229,"text":8598,"spans":8599},"Crystal trophy or plaque - $80 to $150. The corporate default. Often kept on desks for years.",[8600],{"start":9,"end":6267,"type":3603},{"type":4229,"text":8602,"spans":8603},"Premium diary or leather portfolio (Smythson, Moleskine Pro, Hobonichi) - $60 to $200.",[8604],{"start":9,"end":7960,"type":3603},{"type":4229,"text":8606,"spans":8607},"Engraved fountain pen + ink set - $80 to $180. Lasting and ceremonial.",[8608],{"start":9,"end":8469,"type":3603},{"type":4229,"text":8610,"spans":8611},"Tech upgrade voucher (Apple, Challenger) - $150 to $200. Practical.",[8612],{"start":9,"end":7433,"type":3603},{"type":4229,"text":8614,"spans":8615},"Customised art or framed map of Singapore - $100 to $200.",[8616],{"start":9,"end":7999,"type":3603},{"type":180,"text":8618,"spans":8619},"For really long tenure (15+ years), some SMEs go non-cash above $200 and accept the partial tax treatment. That is a legitimate choice - just price the tax cost into the gift. A $500 watch at 20-year tenure may add $50 to $100 of tax to the recipient's return. Many companies gross-up the tax on behalf of the employee for these milestone occasions.",[],[],"text$c7c1f786-fc68-4677-a566-2f1147cc07d1",{"primary":8623,"items":8624,"id":8625,"slice_type":8021,"slice_label":107},{},[],"divider$5bd4cdb4-1c2c-47d3-81c7-865b0188b427",{"primary":8627,"items":8668,"id":8669,"slice_type":7941,"slice_label":107},{"text":8628},[8629,8631,8634,8636,8639,8643,8647,8651,8653,8656,8660,8665],{"type":7946,"text":8003,"spans":8630},[],{"type":180,"text":8632,"spans":8633},"Two specific concessions that deserve more SME attention because they are underused. Both can be cash or non-cash, and both are capped at $200 per occasion.",[],{"type":171,"text":8198,"spans":8635},[],{"type":180,"text":8637,"spans":8638},"Awarded to staff who win 'employee of the month/quarter/year' or equivalent recognition. As long as the criteria are documented and the cap holds, the award is tax-free.",[],{"type":4229,"text":8640,"spans":8641},"Cash bonus award $100 to $200 - Marked clearly as service excellence in payslip notes.",[8642],{"start":9,"end":8302,"type":3603},{"type":4229,"text":8644,"spans":8645},"Voucher of equivalent value $100 to $200 - Cleaner CPF treatment than cash.",[8646],{"start":9,"end":7433,"type":3603},{"type":4229,"text":8648,"spans":8649},"Premium gift item $100 to $200 - Tech, dining experience, weekend stay.",[8650],{"start":9,"end":5512,"type":3603},{"type":171,"text":8213,"spans":8652},[],{"type":180,"text":8654,"spans":8655},"Awarded to staff who took zero or below-target medical leave in a year. Functions as a soft incentive against absenteeism. Tax-free up to $200 per recipient per year.",[],{"type":4229,"text":8657,"spans":8658},"Standard cash or voucher reward $100 to $200 - The simplest approach.",[8659],{"start":9,"end":8365,"type":3603},{"type":4229,"text":8661,"spans":8662},"Premium gift hamper or experience - $100 to $200.",[8663],{"start":9,"end":8664,"type":3603},33,{"type":180,"text":8666,"spans":8667},"The zero-MC award is controversial in some HR circles because it can disincentivise legitimately needed sick leave. If you implement it, make clear that the goal is to reward attendance, not punish illness, and exclude documented hospitalisation or family-care leave from the calculation.",[],[],"text$9292b1fb-4335-4b27-b744-23a780cfe385",{"primary":8671,"items":8672,"id":8673,"slice_type":8021,"slice_label":107},{},[],"divider$225dd331-8efd-4e1c-9018-c1018b020ca1",{"primary":8675,"items":8709,"id":8710,"slice_type":7941,"slice_label":107},{"text":8676},[8677,8679,8682,8685,8689,8693,8697,8702,8706],{"type":7946,"text":8009,"spans":8678},[],{"type":180,"text":8680,"spans":8681},"The single most generous concession on the IRAS list, and the one most often forgotten. Bereavement gifts to staff who lose an immediate family member have no dollar threshold and no form restriction. Cash, non-cash, $50, $5,000 - all tax-free, all CPF-free.",[],{"type":171,"text":8683,"spans":8684},"Practical bereavement gift menu",[],{"type":4229,"text":8686,"spans":8687},"Wreath or floral arrangement - $80 to $300. Sent on behalf of the company to the funeral or wake.",[8688],{"start":9,"end":8536,"type":3603},{"type":4229,"text":8690,"spans":8691},"Cash condolence ang pow ($300 to $1,000) - Singapore cultural norm. Some companies have a documented schedule by relationship (parent vs sibling vs spouse).",[8692],{"start":9,"end":7433,"type":3603},{"type":4229,"text":8694,"spans":8695},"Family meal contribution voucher (Foodpanda, NTUC) - $200 to $500. Practical during the wake period when the family cannot cook.",[8696],{"start":9,"end":7953,"type":3603},{"type":4229,"text":8698,"spans":8699},"Time off (paid bereavement leave above statutory) - 3 to 7 days additional, depending on company policy. Not a gift per se but treated similarly in spirit.",[8700],{"start":9,"end":8701,"type":3603},49,{"type":4229,"text":8703,"spans":8704},"Donation to a charity in the deceased's name - The company makes the donation; some recipients prefer this to a personal gift.",[8705],{"start":9,"end":8365,"type":3603},{"type":180,"text":8707,"spans":8708},"Best practice: have a written bereavement-gift schedule signed off by the founder. Avoids ad-hoc decisions during emotional moments and ensures equity across staff.",[],[],"text$e11006e1-bc5a-47ee-86bd-b7d9adaba7de",{"primary":8712,"items":8713,"id":8714,"slice_type":8021,"slice_label":107},{},[],"divider$8271a91e-d695-4ebc-ac6c-17c829c35536",{"primary":8716,"items":8743,"id":8744,"slice_type":7941,"slice_label":107},{"text":8717},[8718,8721,8724,8731],{"type":180,"text":8719,"spans":8720,"direction":123},"Once you cross 30 staff, gift sourcing turns into a recurring time sink. Each festive cycle, someone burns 8 to 15 hours chasing hamper vendors, comparing voucher aggregators, chasing FairPrice corporate accounts, and reconciling delivery lists. ",[],{"type":180,"text":8722,"spans":8723,"direction":123},"Even with bulk discounts, the all-in cost — vendor margins plus internal HR time plus the inevitable \"we're 6 hampers short\" panic — usually lands above what a per-head subscription costs.",[],{"type":180,"text":8725,"spans":8726,"direction":123},"This is exactly the gap Dive Perk closes for SG SMEs. Instead of running a fresh procurement project for CNY, then Hari Raya, then Deepavali, then Christmas, then birthdays — you give every employee year-round access to a curated SG deals catalogue at a fixed per-head subscription. Why it works better than ad-hoc bulk gifting:",[8727,8730],{"start":6267,"end":8664,"type":5402,"data":8728},{"link_type":69,"url":8729,"target":186},"https://www.divedeals.co/employer",{"start":6267,"end":8664,"type":3603},{"type":180,"text":8732,"spans":8733,"direction":123},"Learn how you can do that with Dive Perk, our employee discount program! Get started here and provide your team with exclusive benefits they cannot find anywhere else.",[8734,8737,8738,8742],{"start":8469,"end":7433,"type":5402,"data":8735},{"link_type":69,"url":8736,"target":186},"https://divedeals.sg/blog/what-is-an-employee-discount-program",{"start":8469,"end":7433,"type":3603},{"start":8739,"end":8740,"type":5402,"data":8741},85,89,{"link_type":69,"url":8729,"target":186},{"start":8739,"end":8740,"type":3603},[],"text$6ce95ae1-9aab-4919-bfd9-438aba6845d7",[8746,9530,10790,11761,12380,13184,13800,14345,15149,15807,16510,17326,17954,18439,19694],{"id":8747,"uid":8748,"url":107,"type":7846,"href":8749,"tags":8750,"first_publication_date":8753,"last_publication_date":8754,"slugs":8755,"linked_documents":8757,"lang":115,"alternate_languages":8758,"data":8759},"aflEghAAAPzZYLWv","gst-voucher-singapore-cash-medisave-usave","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aflEghAAAPzZYLWv%22%29+%5D%5D",[8751,8752,7851],"government grants","savings","2026-05-05T01:35:18+0000","2026-05-05T01:36:00+0000",[8756],"gst-voucher-2026-singapore-up-to-850-cash-450-medisave-1.5x-u-save-and-scc-rebate-explained",[],[],{"title":8760,"seo_title":8764,"seo_meta_description":8768,"featured":16,"expired":16,"noindex":16,"cover_image":8772,"date":4124,"author_link":8780,"body":8783},[8761],{"type":120,"text":8762,"spans":8763},"GST Voucher 2026 Singapore: Up to $850 Cash, $450 MediSave, 1.5x U-Save and S&CC Rebate Explained",[],[8765],{"type":120,"text":8766,"spans":8767},"GST Voucher 2026 Singapore: Cash, MediSave, U-Save Guide",[],[8769],{"type":120,"text":8770,"spans":8771},"GST Voucher 2026 Singapore: $850 Cash, $450 MediSave, 1.5x U-Save and S&CC rebate. Eligibility, payout dates, the AV cliff, PayNow-NRIC trick and how to claim.",[],{"dimensions":8773,"alt":8776,"copyright":107,"url":8777,"id":8778,"edit":8779},{"width":8774,"height":8775},1328,713,"gst voucher 2026","https://images.prismic.io/dive/aflJJsBOoF08xmsr_Screenshot2026-05-05at9.33.59AM.png?auto=format,compress","aflJJsBOoF08xmsr",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":8781,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":8782,"isBroken":16},[],"41ae2627-ae5a-48f1-8569-16267b29a2b5",[8784,8803,8861,8865,8875,8949,8957,8970,9030,9043,9100,9108,9124,9232,9254,9304,9347,9377,9387,9459],{"primary":8785,"items":8801,"id":8802,"slice_type":7941,"slice_label":107},{"text":8786},[8787,8790,8798],{"type":180,"text":8788,"spans":8789,"direction":123},"Most Singaporeans get the GST Voucher every year, glance at the SMS, and never figure out how much they actually received. The 2026 GST Voucher is worth up to $850 Cash, $450 MediSave, $570 U-Save and 3.5 months of S&CC waivers per eligible household - roughly $2,000 of value sitting in different accounts.",[],{"type":180,"text":8791,"spans":8792,"direction":123},"You may log in to the e-services to view your eligibility for 2025 GSTV – Cash and MediSave.",[8793],{"start":8794,"end":8795,"type":5402,"data":8796},22,32,{"link_type":69,"url":8797,"target":186},"https://www.govpayouts.gov.sg/cds/main/login",{"type":180,"text":8799,"spans":8800,"direction":123},"FY2026 matters more than usual: the U-Save is 1.5 times the normal amount to cushion this year's carbon tax increase. If you ignored U-Save in past years, this is the year to pay attention.",[],[],"text$06a8611b-a24a-4ad5-b286-cf3bf6389c42",{"primary":8804,"items":8859,"id":8860,"slice_type":7941,"slice_label":107},{"text":8805},[8806,8808,8814,8821,8827,8833,8840,8846,8852],{"type":7946,"text":7947,"spans":8807},[],{"type":180,"text":8809,"spans":8810},"1. The 4 components of GST Voucher (most people only know about Cash)",[8811],{"start":9,"end":6961,"type":5402,"data":8812},{"link_type":69,"url":8813},"#1-the-4-components-of-gst-voucher-most-people-only-know-about-cash-",{"type":180,"text":8815,"spans":8816},"2. GSTV Cash 2026: who gets $850, who gets $450, and the AV cliff",[8817],{"start":9,"end":8818,"type":5402,"data":8819},65,{"link_type":69,"url":8820},"#2-gstv-cash-2026-who-gets-850-who-gets-450-and-the-av-cliff",{"type":180,"text":8822,"spans":8823},"3. GSTV MediSave 2026: the silent CPF top-up your parents are getting",[8824],{"start":9,"end":6961,"type":5402,"data":8825},{"link_type":69,"url":8826},"#3-gstv-medisave-2026-the-silent-cpf-top-up-your-parents-are-getting",{"type":180,"text":8828,"spans":8829},"4. GSTV U-Save and S&CC Rebate FY2026: 1.5x the normal amount",[8830],{"start":9,"end":8360,"type":5402,"data":8831},{"link_type":69,"url":8832},"#4-gstv-u-save-and-s-cc-rebate-fy2026-1-5x-the-normal-amount",{"type":180,"text":8834,"spans":8835},"5. Payout dates 2026 and the PayNow-NRIC trick that pays you 16 days earlier",[8836],{"start":9,"end":8837,"type":5402,"data":8838},76,{"link_type":69,"url":8839},"#5-payout-dates-2026-and-the-paynow-nric-trick-that-pays-you-16-days-earlier",{"type":180,"text":8841,"spans":8842},"6. How to sign up, claim GovCash, and help a senior parent",[8843],{"start":9,"end":8040,"type":5402,"data":8844},{"link_type":69,"url":8845},"#6-how-to-sign-up-claim-govcash-and-help-a-senior-parent",{"type":180,"text":8847,"spans":8848},"7. What to do if you didn't get paid",[8849],{"start":9,"end":8528,"type":5402,"data":8850},{"link_type":69,"url":8851},"#7-what-to-do-if-you-didn-t-get-paid",{"type":180,"text":8853,"spans":8854},"8. GSTV vs CDC vs LifeSG vs SG60, and the full claimable stack 2026",[8855],{"start":9,"end":8856,"type":5402,"data":8857},67,{"link_type":69,"url":8858},"#8-gstv-vs-cdc-vs-lifesg-vs-sg60-and-the-full-claimable-stack-2026",[],"text$368e8bec-3f4b-47ea-9d21-f16c9a8773a1",{"primary":8862,"items":8863,"id":8864,"slice_type":8021,"slice_label":107},{},[],"divider$971d1836-377c-4226-b69e-2dd5f4780aad",{"primary":8866,"items":8873,"id":8874,"slice_type":7941,"slice_label":107},{"text":8867},[8868,8870],{"type":7946,"text":8809,"spans":8869},[],{"type":180,"text":8871,"spans":8872},"The GST Voucher (GSTV) is a permanent scheme introduced in Budget 2012 to offset GST for lower- and middle-income Singaporean households. The thing nobody explains clearly: it's actually four separate payouts that go to different accounts on different dates.",[],[],"text$467c12b0-8cbf-4783-a937-d89b502fa826",{"primary":8876,"items":8881,"id":8947,"slice_type":8948,"slice_label":107},{"table_title":8877},[8878],{"type":171,"text":8879,"spans":8880},"The 4 components of GST Voucher",[],[8882,8895,8908,8921,8934],{"col1":8883,"col2":8887,"col3":8891},[8884],{"type":180,"text":8885,"spans":8886},"Component",[],[8888],{"type":180,"text":8889,"spans":8890},"What it pays",[],[8892],{"type":180,"text":8893,"spans":8894},"When + where",[],{"col1":8896,"col2":8900,"col3":8904},[8897],{"type":180,"text":8898,"spans":8899},"GSTV Cash",[],[8901],{"type":180,"text":8902,"spans":8903},"Up to $850 cash",[],[8905],{"type":180,"text":8906,"spans":8907},"August (PayNow-NRIC, bank or GovCash)",[],{"col1":8909,"col2":8913,"col3":8917},[8910],{"type":180,"text":8911,"spans":8912},"GSTV MediSave",[],[8914],{"type":180,"text":8915,"spans":8916},"Up to $450 MediSave top-up",[],[8918],{"type":180,"text":8919,"spans":8920},"August (CPF MediSave Account)",[],{"col1":8922,"col2":8926,"col3":8930},[8923],{"type":180,"text":8924,"spans":8925},"GSTV U-Save",[],[8927],{"type":180,"text":8928,"spans":8929},"Up to $570/year per household (FY2026)",[],[8931],{"type":180,"text":8932,"spans":8933},"Quarterly: Apr, Jul, Oct, Jan (utilities account)",[],{"col1":8935,"col2":8939,"col3":8943},[8936],{"type":180,"text":8937,"spans":8938},"GSTV S&CC Rebate",[],[8940],{"type":180,"text":8941,"spans":8942},"1.5 to 3.5 months of S&CC waived",[],[8944],{"type":180,"text":8945,"spans":8946},"Quarterly: Apr, Jul, Oct, Jan (Town Council bill)",[],"table3$e9aca996-8cc7-4d73-912e-20c58ce50f28","table3",{"primary":8950,"items":8955,"id":8956,"slice_type":7941,"slice_label":107},{"text":8951},[8952],{"type":180,"text":8953,"spans":8954},"Cash and MediSave are individual payouts (per Singapore Citizen). U-Save and S&CC are household payouts (per HDB flat). Each component has its own eligibility criteria - you can be eligible for some but not others.",[],[],"text$4bf9c76c-409b-4d50-b2d6-76a519657cb1",{"primary":8958,"items":8968,"id":8969,"slice_type":7941,"slice_label":107},{"text":8959},[8960,8962,8965],{"type":7946,"text":8815,"spans":8961},[],{"type":180,"text":8963,"spans":8964},"To get GSTV Cash 2026, you need to tick all five boxes: Singapore Citizen residing in Singapore, aged 21+ in 2026, Assessable Income for YA2025 not exceeding $39,000, Annual Value of your home as at 31 December 2025 not exceeding $31,000, and you don't own more than one property.",[],{"type":180,"text":8966,"spans":8967},"If you tick all five, the amount depends on your home's AV:",[],[],"text$90da7d33-0fd6-45b2-912e-ac9c51568569",{"primary":8971,"items":8976,"id":9029,"slice_type":8948,"slice_label":107},{"table_title":8972},[8973],{"type":171,"text":8974,"spans":8975},"GSTV Cash 2026 amount by Annual Value",[],[8977,8990,9003,9016],{"col1":8978,"col2":8982,"col3":8986},[8979],{"type":180,"text":8980,"spans":8981},"AV of your home (31 Dec 2025)",[],[8983],{"type":180,"text":8984,"spans":8985},"GSTV Cash 2026",[],[8987],{"type":180,"text":8988,"spans":8989},"Notes",[],{"col1":8991,"col2":8995,"col3":8999},[8992],{"type":180,"text":8993,"spans":8994},"Up to $21,000",[],[8996],{"type":180,"text":8997,"spans":8998},"$850",[],[9000],{"type":180,"text":9001,"spans":9002},"Most HDB 1-4 room flats fall here",[],{"col1":9004,"col2":9008,"col3":9012},[9005],{"type":180,"text":9006,"spans":9007},"More than $21,000 to $31,000",[],[9009],{"type":180,"text":9010,"spans":9011},"$450",[],[9013],{"type":180,"text":9014,"spans":9015},"Many HDB 5-room and EC flats",[],{"col1":9017,"col2":9021,"col3":9025},[9018],{"type":180,"text":9019,"spans":9020},"More than $31,000",[],[9022],{"type":180,"text":9023,"spans":9024},"$0",[],[9026],{"type":180,"text":9027,"spans":9028},"Most condos and landed - not eligible",[],"table3$c6289bdc-a8d6-4073-a9c8-a95eaa38689f",{"primary":9031,"items":9041,"id":9042,"slice_type":7941,"slice_label":107},{"text":9032},[9033,9035,9038],{"type":7946,"text":8822,"spans":9034},[],{"type":180,"text":9036,"spans":9037},"GSTV MediSave is the component most working adults forget exists - because it doesn't go to you. It goes to your senior parents' CPF MediSave Account.",[],{"type":180,"text":9039,"spans":9040},"Eligibility: Singapore Citizen residing in Singapore, aged 65+ in 2026, AV not exceeding $31,000, and not owning more than one property. There's no income test (unlike Cash). The amount scales with both age and AV:",[],[],"text$e9ae1402-8403-4e04-a59a-65105c2f56ea",{"primary":9044,"items":9049,"id":9099,"slice_type":8948,"slice_label":107},{"table_title":9045},[9046],{"type":171,"text":9047,"spans":9048},"GSTV MediSave 2026 by age and AV",[],[9050,9063,9076,9088],{"col1":9051,"col2":9055,"col3":9059},[9052],{"type":180,"text":9053,"spans":9054},"Age in 2026",[],[9056],{"type":180,"text":9057,"spans":9058},"AV up to $21,000",[],[9060],{"type":180,"text":9061,"spans":9062},"AV $21,001-$31,000",[],{"col1":9064,"col2":9068,"col3":9072},[9065],{"type":180,"text":9066,"spans":9067},"65 to 74",[],[9069],{"type":180,"text":9070,"spans":9071},"$250",[],[9073],{"type":180,"text":9074,"spans":9075},"$150",[],{"col1":9077,"col2":9081,"col3":9085},[9078],{"type":180,"text":9079,"spans":9080},"75 to 84",[],[9082],{"type":180,"text":9083,"spans":9084},"$350",[],[9086],{"type":180,"text":9070,"spans":9087},[],{"col1":9089,"col2":9093,"col3":9096},[9090],{"type":180,"text":9091,"spans":9092},"85 and above",[],[9094],{"type":180,"text":9010,"spans":9095},[],[9097],{"type":180,"text":9083,"spans":9098},[],"table3$24f1b846-0a2b-4898-afb6-0bf323b0e433",{"primary":9101,"items":9106,"id":9107,"slice_type":7941,"slice_label":107},{"text":9102},[9103],{"type":180,"text":9104,"spans":9105},"A 75-year-old parent in a 4-room flat (AV typically below $21k) gets $350 MediSave every August. Over 10 years that's $3,500 of top-ups quietly funding their MediShield Life premiums and outpatient bills. If you're an adult child paying part of your parent's premiums, this offsets a chunk of it.",[],[],"text$b18edf5b-d48c-4e96-a17e-c10e8756c730",{"primary":9109,"items":9122,"id":9123,"slice_type":7941,"slice_label":107},{"text":9110},[9111,9113,9116,9119],{"type":7946,"text":8828,"spans":9112},[],{"type":180,"text":9114,"spans":9115},"U-Save and S&CC Rebate are the two HDB household components - no income test, no age test, just need at least one Singapore Citizen owner or occupier and no second property in the household.",[],{"type":171,"text":9117,"spans":9118},"U-Save FY2026: 1.5x normal amount",[],{"type":180,"text":9120,"spans":9121},"Budget 2026 bumped U-Save to 1.5 times the normal amount via the B2026 top-up to cushion the carbon tax increase. The rebates land directly in your SP utilities account each quarter - April 2026, July 2026, October 2026, January 2027 - and unused balance rolls forward.",[],[],"text$f8069beb-5ddd-4904-8e36-bdefe4bd4663",{"primary":9125,"items":9130,"id":9231,"slice_type":8242,"slice_label":107},{"table_title":9126},[9127],{"type":171,"text":9128,"spans":9129},"U-Save FY2026 by HDB flat type",[],[9131,9148,9165,9182,9197,9214],{"col1":9132,"col2":9136,"col3":9140,"col4":9144},[9133],{"type":180,"text":9134,"spans":9135},"Flat type",[],[9137],{"type":180,"text":9138,"spans":9139},"Per quarter (×4)",[],[9141],{"type":180,"text":9142,"spans":9143},"B2026 top-up (Apr+Jul)",[],[9145],{"type":180,"text":9146,"spans":9147},"FY2026 TOTAL",[],{"col1":9149,"col2":9153,"col3":9157,"col4":9161},[9150],{"type":180,"text":9151,"spans":9152},"1- and 2-room",[],[9154],{"type":180,"text":9155,"spans":9156},"$95",[],[9158],{"type":180,"text":9159,"spans":9160},"$190",[],[9162],{"type":180,"text":9163,"spans":9164},"$570",[],{"col1":9166,"col2":9170,"col3":9174,"col4":9178},[9167],{"type":180,"text":9168,"spans":9169},"3-room",[],[9171],{"type":180,"text":9172,"spans":9173},"$85",[],[9175],{"type":180,"text":9176,"spans":9177},"$170",[],[9179],{"type":180,"text":9180,"spans":9181},"$510",[],{"col1":9183,"col2":9187,"col3":9191,"col4":9194},[9184],{"type":180,"text":9185,"spans":9186},"4-room",[],[9188],{"type":180,"text":9189,"spans":9190},"$75",[],[9192],{"type":180,"text":9074,"spans":9193},[],[9195],{"type":180,"text":9010,"spans":9196},[],{"col1":9198,"col2":9202,"col3":9206,"col4":9210},[9199],{"type":180,"text":9200,"spans":9201},"5-room",[],[9203],{"type":180,"text":9204,"spans":9205},"$65",[],[9207],{"type":180,"text":9208,"spans":9209},"$130",[],[9211],{"type":180,"text":9212,"spans":9213},"$390",[],{"col1":9215,"col2":9219,"col3":9223,"col4":9227},[9216],{"type":180,"text":9217,"spans":9218},"Executive / Multi-gen",[],[9220],{"type":180,"text":9221,"spans":9222},"$55",[],[9224],{"type":180,"text":9225,"spans":9226},"$110",[],[9228],{"type":180,"text":9229,"spans":9230},"$330",[],"table__4_columns_$24fb4783-ddf7-4ceb-9cf5-3a756337d49f",{"primary":9233,"items":9252,"id":9253,"slice_type":7941,"slice_label":107},{"text":9234},[9235,9238,9241,9249],{"type":171,"text":9236,"spans":9237},"S&CC Rebate FY2026",[],{"type":180,"text":9239,"spans":9240},"S&CC Rebate is the most invisible component - it just shows up as fewer S&CC charges on your Town Council bill. Total months waived per year: 3.5 (1-2 room), 2.5 (3-4 room), 2.0 (5-room), 1.5 (Executive/MG). Disbursed across the same four months as U-Save.",[],{"type":180,"text":9242,"spans":9243},"A typical 4-room flat with $80/month S&CC sees roughly $200 of rebate over the year. Check your household's status on the MyHDB Page via HDB InfoWEB with Singpass.",[9244],{"start":9245,"end":9246,"type":5402,"data":9247},122,148,{"link_type":69,"url":9248},"https://services2.hdb.gov.sg/web/fi10/emap.html",{"type":180,"text":9250,"spans":9251},"If your entire flat is rented out, the household needs at least one Singaporean tenant to qualify. Landlords with foreign tenants and no occupier presence don't get U-Save or S&CC.",[],[],"text$45214c15-95ef-48bc-b189-1ee4509df2da",{"primary":9255,"items":9302,"id":9303,"slice_type":7941,"slice_label":107},{"text":9256},[9257,9259,9262,9265,9269,9273,9278,9282,9286,9289,9292,9299],{"type":7946,"text":8834,"spans":9258},[],{"type":180,"text":9260,"spans":9261},"Payout dates differ by component. The Cash and MediSave portions arrive in August - everything else is quarterly.",[],{"type":171,"text":9263,"spans":9264},"When the money arrives",[],{"type":4229,"text":9266,"spans":9267},"PayNow-NRIC: From 6 August 2026 (the fastest option)",[9268],{"start":9,"end":7014,"type":3603},{"type":4229,"text":9270,"spans":9271},"Bank transfer (DBS/POSB/OCBC/UOB): From 15 August 2026",[9272],{"start":9,"end":8416,"type":3603},{"type":4229,"text":9274,"spans":9275},"GovCash (no bank account): From 22 August 2026",[9276],{"start":9,"end":9277,"type":3603},26,{"type":4229,"text":9279,"spans":9280},"MediSave top-up: From 11 August 2026 (credited to CPF)",[9281],{"start":9,"end":6275,"type":3603},{"type":4229,"text":9283,"spans":9284},"U-Save and S&CC: April 2026, July 2026, October 2026, January 2027",[9285],{"start":9,"end":6275,"type":3603},{"type":171,"text":9287,"spans":9288},"The PayNow-NRIC trick: 16 days faster",[],{"type":180,"text":9290,"spans":9291},"Link your NRIC to PayNow at any participating bank and your GSTV Cash arrives 16 days earlier than GovCash (6 August vs 22 August). For a household getting $850 Cash plus $450 MediSave plus parents' MediSave, that's $1,500-$2,000 sitting idle for over two weeks if you take the slow route.",[],{"type":180,"text":9293,"spans":9294},"Setup is one-time per bank: DBS/POSB via DBS digibank app, OCBC via OCBC Digital, UOB via UOB TMRW, or any bank from the PayNow-GIRO-participating bank list. Each NRIC links to one bank account at a time.",[9295],{"start":9296,"end":6353,"type":5402,"data":9297},121,{"link_type":69,"url":9298},"https://www.abs.org.sg/consumer-banking/pay-now",{"type":180,"text":9300,"spans":9301},"To get the August 2026 payout via PayNow-NRIC, register by 27 July 2026. After that, the system locks in payment routing for the year.",[],[],"text$a3326d6a-9ef2-416b-bdfd-cc7a3bc84c38",{"primary":9305,"items":9345,"id":9346,"slice_type":7941,"slice_label":107},{"text":9306},[9307,9309,9312,9315,9319,9324,9327,9330,9333,9336,9339,9342],{"type":7946,"text":8841,"spans":9308},[],{"type":180,"text":9310,"spans":9311},"If you've received any past Government payout (any past GSTV, the Assurance Package, etc), you're already signed up. No action needed for 2026.",[],{"type":171,"text":9313,"spans":9314},"First-time sign-up",[],{"type":9316,"text":9317,"spans":9318},"o-list-item","Confirm you meet the criteria (SC, age 21+ in 2026, AI YA2025 ≤ $39k, AV ≤ $31k, ≤1 property).",[],{"type":9316,"text":9320,"spans":9321},"Log into the govbenefits.gov.sg portal with Singpass and sign up for Cash and MediSave.",[9322],{"start":5703,"end":7992,"type":5402,"data":9323},{"link_type":69,"url":8797},{"type":9316,"text":9325,"spans":9326},"Link your NRIC to PayNow at one of your bank accounts (this gets you paid first).",[],{"type":9316,"text":9328,"spans":9329},"Sign up by 13 July 2026 to get the August 2026 tranche on time. Sign up between 14 July 2026 and 20 June 2027 and you'll get paid within 2 months. Past 20 June 2027 you forfeit the 2026 tranche.",[],{"type":180,"text":9331,"spans":9332},"U-Save and S&CC Rebate require zero sign-up. They land automatically as long as you're an eligible HDB household.",[],{"type":171,"text":9334,"spans":9335},"GovCash fallback (no bank account)",[],{"type":180,"text":9337,"spans":9338},"If you don't have a bank account or never linked PayNow-NRIC, your GSTV Cash defaults to GovCash. Withdraw at any OCBC ATM (no OCBC account needed): tap \"Cardless Transactions\" then \"GovCash\", enter your NRIC and the Payment Reference Number from the SMS. No fees. Or use GovCash digitally via the LifeSG app to pay at NETS QR or PayNow merchants.",[],{"type":171,"text":9340,"spans":9341},"Helping a senior parent claim",[],{"type":180,"text":9343,"spans":9344},"The biggest blocker for seniors is Singpass - not GSTV. Help them set up Singpass with face verification (ICA branches do this in person if app setup fails), log into govbenefits.gov.sg with their Singpass to confirm eligibility, then link their NRIC to PayNow at their existing bank. For MediSave the top-up goes straight to CPF regardless of PayNow setup.",[],[],"text$b6649fc0-f442-4be6-bda1-8e69bcb763b1",{"primary":9348,"items":9375,"id":9376,"slice_type":7941,"slice_label":107},{"text":9349},[9350,9352,9355,9359,9363,9372],{"type":7946,"text":8847,"spans":9351},[],{"type":180,"text":9353,"spans":9354},"If August 2026 has come and gone and you're sure you're eligible but no money landed:",[],{"type":4229,"text":9356,"spans":9357},"Check govbenefits.gov.sg e-services with Singpass - the portal shows whether you're flagged eligible and how the payment was routed (PayNow-NRIC, bank, or GovCash).",[9358],{"start":9,"end":8701,"type":3603},{"type":4229,"text":9360,"spans":9361},"Check the bank account or PayNow-NRIC you registered - if you switched banks recently, the payment may have defaulted to GovCash. Check your SMS for a Payment Reference Number; if you got one, your money is sitting as GovCash waiting at any OCBC ATM.",[9362],{"start":9,"end":8307,"type":3603},{"type":4229,"text":9364,"spans":9365},"Call the GSTV hotline: 1800 222 2888 (Mon-Fri, charges apply for mobile calls). If unresolved, file an enquiry via the official enquiry form on govpayouts.gov.sg.",[9366,9367],{"start":9,"end":8794,"type":3603},{"start":9368,"end":9369,"type":5402,"data":9370},119,161,{"link_type":69,"url":9371},"https://www.govpayouts.gov.sg/cds/gstv/enquiry-form",{"type":180,"text":9373,"spans":9374},"Common reasons for non-payment: AV crossed $31k after a property reassessment, AI exceeded $39k in YA2025, you became a PR (and dropped citizenship), or you didn't complete first-time sign-up by 20 June 2027.",[],[],"text$faeba863-5ff3-4ed3-9665-7cc468a514cf",{"primary":9378,"items":9385,"id":9386,"slice_type":7941,"slice_label":107},{"text":9379},[9380,9382],{"type":7946,"text":8853,"spans":9381},[],{"type":180,"text":9383,"spans":9384},"Singapore has multiple government payouts running in parallel and they're easy to mix up. Cheat sheet:",[],[],"text$58618d69-cd18-4f05-887f-e39b0a537290",{"primary":9388,"items":9393,"id":9458,"slice_type":8948,"slice_label":107},{"table_title":9389},[9390],{"type":171,"text":9391,"spans":9392},"GST Voucher vs CDC vs LifeSG vs SG60",[],[9394,9406,9419,9432,9445],{"col1":9395,"col2":9399,"col3":9402},[9396],{"type":180,"text":9397,"spans":9398},"Scheme",[],[9400],{"type":180,"text":8889,"spans":9401},[],[9403],{"type":180,"text":9404,"spans":9405},"Who it's for",[],{"col1":9407,"col2":9411,"col3":9415},[9408],{"type":180,"text":9409,"spans":9410},"GST Voucher",[],[9412],{"type":180,"text":9413,"spans":9414},"Up to $850 Cash + $450 MediSave + U-Save + S&CC, recurring annually",[],[9416],{"type":180,"text":9417,"spans":9418},"Lower-middle income SCs, AI ≤ $39k, AV ≤ $31k",[],{"col1":9420,"col2":9424,"col3":9428},[9421],{"type":180,"text":9422,"spans":9423},"CDC Vouchers",[],[9425],{"type":180,"text":9426,"spans":9427},"$300/year per household, half supermarket + half hawker, expires Dec",[],[9429],{"type":180,"text":9430,"spans":9431},"All Singaporean households (no income test)",[],{"col1":9433,"col2":9437,"col3":9441},[9434],{"type":180,"text":9435,"spans":9436},"LifeSG Credits",[],[9438],{"type":180,"text":9439,"spans":9440},"$500-$1,000 per child or NSman, paid to LifeSG app",[],[9442],{"type":180,"text":9443,"spans":9444},"Specific schemes (Child, Large Family, NS)",[],{"col1":9446,"col2":9450,"col3":9454},[9447],{"type":180,"text":9448,"spans":9449},"SG60 Vouchers",[],[9451],{"type":180,"text":9452,"spans":9453},"$600 or $800 one-time, expires 31 Dec 2026",[],[9455],{"type":180,"text":9456,"spans":9457},"All SCs aged 21+, one-time only",[],"table3$b964fe97-1019-4a0b-8f12-f09276f4a7ae",{"primary":9460,"items":9528,"id":9529,"slice_type":7941,"slice_label":107},{"text":9461},[9462,9465,9468,9472,9481,9485,9493,9502,9510,9513,9516,9519,9522,9525],{"type":180,"text":9463,"spans":9464},"Key differences: GSTV is the only one with an income test and the only one that recurs every year. GSTV Cash is real bank money; CDC + SG60 are merchant-redemption vouchers; LifeSG is app credits; GSTV MediSave goes to CPF (not spendable).",[],{"type":171,"text":9466,"spans":9467},"The full claimable government cash stack 2026",[],{"type":4229,"text":9469,"spans":9470},"GST Voucher 2026: up to $850 Cash + $450 MediSave + $570 U-Save + ~$200 S&CC (recurring annually)",[9471],{"start":9,"end":3602,"type":3603},{"type":4229,"text":9473,"spans":9474},"CDC Vouchers: $300 per household, expires 31 Dec 2026 - see our CDC guide",[9475,9476],{"start":9,"end":8012,"type":3603},{"start":9477,"end":9478,"type":5402,"data":9479},60,73,{"link_type":69,"url":9480},"https://divedeals.sg/blog/how-to-use-cdc-vouchers-singapore",{"type":4229,"text":9482,"spans":9483},"SG60 Vouchers: $600 or $800 one-time, expires 31 Dec 2026",[9484],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9486,"spans":9487},"LifeSG Credits: $500 per child + NS credits where applicable - see our LifeSG guide",[9488,9489],{"start":9,"end":9477,"type":3603},{"start":8856,"end":9490,"type":5402,"data":9491},83,{"link_type":69,"url":9492},"https://divedeals.sg/blog/lifesg-credits-singapore-how-to-use",{"type":4229,"text":9494,"spans":9495},"Climate Voucher: $400 per HDB household for energy-efficient appliances - see our Climate Voucher guide",[9496,9497],{"start":9,"end":7960,"type":3603},{"start":9498,"end":9499,"type":5402,"data":9500},78,103,{"link_type":69,"url":9501},"https://divedeals.sg/blog/how-to-use-climate-vouchers-singapore",{"type":4229,"text":9503,"spans":9504},"SG Culture Pass: $100 per SC adult for arts and heritage - see our Culture Pass guide",[9505,9506],{"start":9,"end":6960,"type":3603},{"start":9507,"end":8739,"type":5402,"data":9508},63,{"link_type":69,"url":9509},"https://divedeals.sg/blog/how-to-use-sg-culture-pass",{"type":180,"text":9511,"spans":9512},"A typical eligible HDB household with two SC adults and two SC children sits on $4,500+ of claimable government cash and credits across these schemes in 2026. The two big risks: missing first-time GSTV sign-up by 20 June 2026, and forgetting that CDC + SG60 both expire 31 Dec 2026.",[],{"type":171,"text":9514,"spans":9515},"Action checklist",[],{"type":9316,"text":9517,"spans":9518},"Before 27 July 2026: register PayNow-NRIC to get the August 2026 GSTV payout 16 days earlier.",[],{"type":9316,"text":9520,"spans":9521},"Before 20 June 2026: complete first-time GSTV sign-up if you've never claimed before.",[],{"type":9316,"text":9523,"spans":9524},"August 2026: check your bank account on 6 August (PayNow-NRIC), 15 August (bank), or 22 August (GovCash).",[],{"type":9316,"text":9526,"spans":9527},"Before 31 Dec 2026: spend your CDC and SG60 vouchers, both expire on the same date.",[],[],"text$e4dd5ae3-acb4-4eb6-8ad7-1ae1dd13cd93",{"id":9531,"uid":9532,"url":107,"type":7846,"href":9533,"tags":9534,"first_publication_date":9536,"last_publication_date":9537,"slugs":9538,"linked_documents":9540,"lang":115,"alternate_languages":9541,"data":9542},"afl9JhAAAPzZYQf-","big-tech-employee-benefits-singapore-benchmark","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afl9JhAAAPzZYQf-%22%29+%5D%5D",[7849,9535,7851],"sme","2026-05-05T05:43:55+0000","2026-05-06T02:54:37+0000",[9539],"big-tech-employee-benefits-in-singapore-benchmarked-2026",[],[],{"title":9543,"seo_title":9547,"seo_meta_description":9551,"featured":16,"expired":16,"noindex":16,"cover_image":9555,"date":4124,"author_link":9562,"body":9565},[9544],{"type":120,"text":9545,"spans":9546,"direction":123},"Big Tech Employee Benefits in Singapore Benchmarked (2026)",[],[9548],{"type":120,"text":9549,"spans":9550},"Big Tech Employee Benefits Singapore (2026): Google, Meta, Stripe, ByteDance Compared",[],[9552],{"type":120,"text":9553,"spans":9554},"What Google, Meta, Apple, Amazon, Stripe, ByteDance, Shopee and Bloomberg actually offer Singapore staff in 2026 - benchmarked by category - plus the affordable SME layer that closes 65% of the gap at 17% of the cost.",[],{"dimensions":9556,"alt":9558,"copyright":107,"url":9559,"id":9560,"edit":9561},{"width":7872,"height":9557},1080,"google singapore employee benefits","https://images.prismic.io/dive/afmCxsBOoF08xm2s_adarsh-chauhan-r-oebX7qWxM-unsplash.jpg?auto=format,compress","afmCxsBOoF08xm2s",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":9563,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":9564,"isBroken":16},[],"4f5feb9d-68ad-494a-883e-e61a0add2a55",[9566,9583,9644,9648,9680,9684,9722,9726,9740,9750,9878,9895,9899,9909,10023,10034,10038,10048,10167,10175,10179,10192,10306,10326,10330,10340,10461,10485,10489,10499,10590,10601,10605,10615,10753],{"primary":9567,"items":9581,"id":9582,"slice_type":7941,"slice_label":107},{"text":9568},[9569,9572,9575,9578],{"type":180,"text":9570,"spans":9571,"direction":123},"Every Singapore SME founder has heard a version of this: \"we lost the candidate to Google because of the benefits.\" The instinctive response is to throw cash at the problem. The honest answer is more uncomfortable: most of what Big Tech offers is not the salary. It is a stack of benefits that look modest line-by-line but compound into a package most SMEs cannot match dollar for dollar.",[],{"type":180,"text":9573,"spans":9574,"direction":123},"This post does what every \"types of perks\" listicle refuses to do: lay out what Apple, Google, Meta, Amazon, Stripe, ByteDance, Shopee and Bloomberg actually offer their Singapore employees in 2026, category by category, with the dollar figures where they are publicly known. Then it works backwards to what an SME can realistically copy on a small budget.",[],{"type":180,"text":9576,"spans":9577,"direction":123},"All figures below are sourced from company careers pages, levels.fyi, Glassdoor employee reviews, public news reporting, and direct disclosure on official benefit brochures.",[],{"type":180,"text":9579,"spans":9580,"direction":123},"Treat individual numbers as directional - benefits packages vary by role, level, tenure and country, and the SG-specific figure may differ from US or global headlines.",[],[],"text$781dc8ee-cf8f-435f-93f6-98f9eef38b7d",{"primary":9584,"items":9642,"id":9643,"slice_type":7941,"slice_label":107},{"text":9585},[9586,9588,9594,9600,9606,9612,9618,9624,9630,9636],{"type":7946,"text":7947,"spans":9587,"direction":123},[],{"type":180,"text":9589,"spans":9590,"direction":123},"1. Why this benchmark exists (and what it does not measure)",[9591],{"start":9,"end":8411,"type":5402,"data":9592},{"link_type":69,"url":9593,"target":186},"#1-why-this-benchmark-exists-and-what-it-does-not-measure-",{"type":180,"text":9595,"spans":9596,"direction":123},"2. The 6 benefit categories that move the needle",[9597],{"start":9,"end":7985,"type":5402,"data":9598},{"link_type":69,"url":9599,"target":186},"#2-the-6-benefit-categories-that-move-the-needle",{"type":180,"text":9601,"spans":9602,"direction":123},"3. Medical and family coverage",[9603],{"start":9,"end":5512,"type":5402,"data":9604},{"link_type":69,"url":9605,"target":186},"#3-medical-and-family-coverage",{"type":180,"text":9607,"spans":9608,"direction":123},"4. Parental and family planning",[9609],{"start":9,"end":8469,"type":5402,"data":9610},{"link_type":69,"url":9611,"target":186},"#4-parental-and-family-planning",{"type":180,"text":9613,"spans":9614,"direction":123},"5. Annual leave and time off",[9615],{"start":9,"end":8536,"type":5402,"data":9616},{"link_type":69,"url":9617,"target":186},"#5-annual-leave-and-time-off",{"type":180,"text":9619,"spans":9620,"direction":123},"6. Learning, equity and career",[9621],{"start":9,"end":5512,"type":5402,"data":9622},{"link_type":69,"url":9623,"target":186},"#6-learning-equity-and-career",{"type":180,"text":9625,"spans":9626,"direction":123},"7. Wellness, food and lifestyle perks",[9627],{"start":9,"end":7315,"type":5402,"data":9628},{"link_type":69,"url":9629,"target":186},"#7-wellness-food-and-lifestyle-perks",{"type":180,"text":9631,"spans":9632,"direction":123},"8. The total cost of a Big Tech-equivalent SG package",[9633],{"start":9,"end":8012,"type":5402,"data":9634},{"link_type":69,"url":9635,"target":186},"#8-the-total-cost-of-a-big-tech-equivalent-sg-package",{"type":180,"text":9637,"spans":9638,"direction":123},"9. The SME affordable layer (what Dive Perk and friends actually solve)",[9639],{"start":9,"end":7960,"type":5402,"data":9640},{"link_type":69,"url":9641,"target":186},"#9-the-sme-affordable-layer-what-dive-perk-and-friends-actually-solve-",[],"text$738e9528-1d16-4b29-83e8-78e42cdda410",{"primary":9645,"items":9646,"id":9647,"slice_type":8021,"slice_label":107},{},[],"divider$a7871c22-c19f-466e-9097-d2fa7f323b46",{"primary":9649,"items":9678,"id":9679,"slice_type":7941,"slice_label":107},{"text":9650},[9651,9653,9656,9659,9663,9668,9672,9675],{"type":7946,"text":9589,"spans":9652},[],{"type":180,"text":9654,"spans":9655},"Singapore HR practitioners constantly ask: how do we compete? The answer changes shape depending on what you measure.",[],{"type":180,"text":9657,"spans":9658},"This benchmark deliberately ignores three things that get over-discussed elsewhere:",[],{"type":4229,"text":9660,"spans":9661},"Base salary - Already well-covered by NodeFlair, levels.fyi and the annual MoneySmart salary guide. The salary gap between Big Tech and a typical SG SME is real, around 30 to 80 percent depending on level and function. No benefit stack closes that on its own.",[9662],{"start":9,"end":5452,"type":3603},{"type":4229,"text":9664,"spans":9665},"Equity and bonuses - Highly variable, hard to value (private equity is illiquid), and not something most SMEs can offer in equivalent form. We mention them where relevant but do not treat them as a benefit per se.",[9666],{"start":9,"end":9667,"type":3603},18,{"type":4229,"text":9669,"spans":9670},"Brand prestige - Real, but unhelpful to SMEs. You cannot copy this.",[9671],{"start":9,"end":5511,"type":3603},{"type":180,"text":9673,"spans":9674},"What this benchmark does measure: the cash and non-cash benefits an SG employee actually consumes in a normal year. Medical and family coverage. Parental leave. Learning budgets. Wellness reimbursements. Food. Discount platforms. Gym. The everyday-life layer that decides whether someone says \"this is a great place to work\" at a dinner party.",[],{"type":180,"text":9676,"spans":9677},"This is the layer where a thoughtful SME can credibly compete - not by matching dollar for dollar, but by being deliberate about which 4 or 5 lines they really invest in.",[],[],"text$47b0c9f9-d9f5-4eb7-bea0-64f6f02b9b38",{"primary":9681,"items":9682,"id":9683,"slice_type":8021,"slice_label":107},{},[],"divider$8ef808e7-0653-484e-95ef-0153dfb494a7",{"primary":9685,"items":9720,"id":9721,"slice_type":7941,"slice_label":107},{"text":9686},[9687,9689,9692,9697,9701,9705,9709,9713,9717],{"type":7946,"text":9595,"spans":9688},[],{"type":180,"text":9690,"spans":9691},"Across every Glassdoor review, employee survey and exit interview pattern, the same six categories show up as actually-mentioned reasons people stay or leave. Equity is in here too, but everything else compounds month after month in a way bonuses do not.",[],{"type":4229,"text":9693,"spans":9694},"Medical and family coverage - Outpatient, hospitalisation, dental, optical, including spouse and children",[9695],{"start":9,"end":9696,"type":3603},27,{"type":4229,"text":9698,"spans":9699},"Parental and family planning - Maternity, paternity, adoption, fertility, childcare and eldercare support",[9700],{"start":9,"end":8536,"type":3603},{"type":4229,"text":9702,"spans":9703},"Annual leave and time off - AL, sick leave, sabbatical, mental health days, public holiday top-ups",[9704],{"start":9,"end":6407,"type":3603},{"type":4229,"text":9706,"spans":9707},"Learning, equity and career - Training budget, certifications, conference attendance, RSUs and ESPP",[9708],{"start":9,"end":9696,"type":3603},{"type":4229,"text":9710,"spans":9711},"Wellness, food and lifestyle perks - Free or subsidised meals, gym, mental health platforms, home office stipends",[9712],{"start":9,"end":8416,"type":3603},{"type":4229,"text":9714,"spans":9715},"Daily-life savings - Discount platforms, corporate rates, partner deals, anything that quietly extends take-home pay",[9716],{"start":9,"end":9667,"type":3603},{"type":180,"text":9718,"spans":9719},"Big Tech tends to be strong in one to three of these categories and average in the rest. Few are best-in-class everywhere - even Google is not the leader in literally every column. Knowing which categories matter most to your specific candidate pool is half the battle.",[],[],"text$dbabd247-8279-478b-b252-fc2269093cbf",{"primary":9723,"items":9724,"id":9725,"slice_type":8021,"slice_label":107},{},[],"divider$1b50d8e2-137b-4aea-a917-e1fc4dc5f2c3",{"primary":9727,"items":9737,"id":9738,"slice_type":9739,"slice_label":107},{"image":9728,"caption":9735,"additional_link":9736,"anchor_id":107},{"dimensions":9729,"alt":9731,"copyright":107,"url":9732,"id":9733,"edit":9734},{"width":7513,"height":9730},800,"meta singapore employee benefits","https://images.prismic.io/dive/afmCc8BOoF08xm2r_dima-solomin-yIT9HO8UrPA-unsplash.jpg?auto=format,compress&rect=0,0,1920,1280&w=1200&h=800","afmCc8BOoF08xm2r",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[],"image_with_caption$cf29f0f7-a98c-4d99-bf68-2e6fdce65249","image_with_caption",{"primary":9741,"items":9748,"id":9749,"slice_type":7941,"slice_label":107},{"text":9742},[9743,9745],{"type":7946,"text":9601,"spans":9744},[],{"type":180,"text":9746,"spans":9747},"This is where Big Tech most consistently outspends SMEs. Group hospitalisation cover for the employee, spouse and children, with low or no co-pay, plus generous outpatient and specialist allowances.",[],[],"text$9089a339-4579-48c7-ab70-4d1bd158c47b",{"primary":9751,"items":9756,"id":9877,"slice_type":8948,"slice_label":107},{"table_title":9752},[9753],{"type":171,"text":9754,"spans":9755},"Medical coverage at Big Tech in Singapore (typical, as reported)",[],[9757,9774,9787,9800,9813,9826,9839,9852,9864],{"col1":9758,"col2":9764,"col3":9769},[9759],{"type":180,"text":9760,"spans":9761},"Company",[9762],{"start":9,"end":9763,"type":3603},7,[9765],{"type":180,"text":9766,"spans":9767},"Headline coverage",[9768],{"start":9,"end":3602,"type":3603},[9770],{"type":180,"text":9771,"spans":9772},"Source / note",[9773],{"start":9,"end":5703,"type":3603},{"col1":9775,"col2":9779,"col3":9783},[9776],{"type":180,"text":9777,"spans":9778},"Google SG",[],[9780],{"type":180,"text":9781,"spans":9782},"Comprehensive group hospitalisation + outpatient + dental + optical for employee, spouse and dependent children. Cigna international plan reported by employees on Glassdoor",[],[9784],{"type":180,"text":9785,"spans":9786},"Glassdoor reviews, Google careers page",[],{"col1":9788,"col2":9792,"col3":9796},[9789],{"type":180,"text":9790,"spans":9791},"Meta SG",[],[9793],{"type":180,"text":9794,"spans":9795},"Group hospitalisation, outpatient GP and specialist, dental and optical for employee + dependents. Reported as among the most comprehensive in tech",[],[9797],{"type":180,"text":9798,"spans":9799},"Glassdoor, public careers brochure",[],{"col1":9801,"col2":9805,"col3":9809},[9802],{"type":180,"text":9803,"spans":9804},"Apple SG",[],[9806],{"type":180,"text":9807,"spans":9808},"Group medical, dental and vision. AppleCare wellness programs available globally",[],[9810],{"type":180,"text":9811,"spans":9812},"Apple careers page",[],{"col1":9814,"col2":9818,"col3":9822},[9815],{"type":180,"text":9816,"spans":9817},"Amazon (AWS) SG",[],[9819],{"type":180,"text":9820,"spans":9821},"Group hospitalisation + outpatient. Generally reported as more conservative than Google or Meta on coverage caps",[],[9823],{"type":180,"text":9824,"spans":9825},"Glassdoor, public reviews",[],{"col1":9827,"col2":9831,"col3":9835},[9828],{"type":180,"text":9829,"spans":9830},"Stripe SG",[],[9832],{"type":180,"text":9833,"spans":9834},"Comprehensive medical including dependents. Listed as a core benefit on Stripe's careers site",[],[9836],{"type":180,"text":9837,"spans":9838},"Stripe careers page",[],{"col1":9840,"col2":9844,"col3":9848},[9841],{"type":180,"text":9842,"spans":9843},"ByteDance / TikTok SG",[],[9845],{"type":180,"text":9846,"spans":9847},"Group medical with high outpatient cap and dental. Frequently mentioned as a strong benefit in employee reviews",[],[9849],{"type":180,"text":9850,"spans":9851},"Glassdoor SG reviews",[],{"col1":9853,"col2":9857,"col3":9861},[9854],{"type":180,"text":9855,"spans":9856},"Shopee / Sea SG",[],[9858],{"type":180,"text":9859,"spans":9860},"Group hospitalisation + basic outpatient + dental. Coverage caps reported as more modest than Western Big Tech",[],[9862],{"type":180,"text":9850,"spans":9863},[],{"col1":9865,"col2":9869,"col3":9873},[9866],{"type":180,"text":9867,"spans":9868},"Bloomberg SG",[],[9870],{"type":180,"text":9871,"spans":9872},"Comprehensive medical including dependents, mental health support, on-site clinic access at HQ",[],[9874],{"type":180,"text":9875,"spans":9876},"Bloomberg careers page",[],"table3$f202354e-7761-4355-a8a0-f975b48cf7fe",{"primary":9879,"items":9893,"id":9894,"slice_type":7941,"slice_label":107},{"text":9880},[9881,9884,9887],{"type":180,"text":9882,"spans":9883},"The pattern: Western Big Tech (Google, Meta, Stripe, Bloomberg, Apple) tends to top the table. Asia-headquartered tech (ByteDance, Shopee) is competitive on outpatient and dental but more variable on hospitalisation caps. Indian or US-headquartered global firms (AWS, Microsoft) often skew more conservative on the SG-specific package because the global standard does not always translate.",[],{"type":180,"text":9885,"spans":9886},"What an SME can realistically copy: a basic group hospitalisation plan from AIA, Income, Great Eastern or Tokio Marine costs roughly $300 to $700 per employee per year for a small headcount. Adding outpatient through Mednefits or a similar panel platform adds another $200 to $400 per head. Total: $500 to $1,100 per head per year for a credible package that 80 percent of candidates will accept.",[],{"type":180,"text":9888,"spans":9889},"Group medical premiums are also fully tax-deductible to the employer, fully tax-free to the employee under the IRAS administrative concession list, and CPF-free. The full tax treatment is covered in our employee benefits tax cheat sheet for Singapore SMEs.",[9890],{"start":7258,"end":9891,"type":5402,"data":9892},255,{"link_type":69,"url":8055},[],"text$02ef6193-3a85-44b7-b912-ddfa726079fc",{"primary":9896,"items":9897,"id":9898,"slice_type":8021,"slice_label":107},{},[],"divider$eb664696-4b27-4875-9f4f-3d4d006741ad",{"primary":9900,"items":9907,"id":9908,"slice_type":7941,"slice_label":107},{"text":9901},[9902,9904],{"type":7946,"text":9607,"spans":9903},[],{"type":180,"text":9905,"spans":9906},"Singapore's statutory minimums set the floor: 16 weeks government-paid maternity for citizens, 4 weeks paternity (rising to 4 fully government-funded weeks from 2026 birth onward), 12 days childcare leave for parents with kids under 7. Big Tech generally adds materially on top.",[],[],"text$214bc4b2-755e-407f-9884-b71c2e1fc6d0",{"primary":9910,"items":9915,"id":10022,"slice_type":8948,"slice_label":107},{"table_title":9911},[9912],{"type":171,"text":9913,"spans":9914},"Parental and family benefits at Big Tech SG (above statutory)",[],[9916,9930,9942,9954,9965,9977,9988,10000,10011],{"col1":9917,"col2":9921,"col3":9926},[9918],{"type":180,"text":9760,"spans":9919},[9920],{"start":9,"end":9763,"type":3603},[9922],{"type":180,"text":9923,"spans":9924},"What is added beyond statutory",[9925],{"start":9,"end":5512,"type":3603},[9927],{"type":180,"text":9771,"spans":9928},[9929],{"start":9,"end":5703,"type":3603},{"col1":9931,"col2":9934,"col3":9938},[9932],{"type":180,"text":9777,"spans":9933},[],[9935],{"type":180,"text":9936,"spans":9937},"18-week maternity, 6+ week paternity globally; family planning support including IVF and adoption assistance reported in benefits brochures",[],[9939],{"type":180,"text":9940,"spans":9941},"Google careers benefits page",[],{"col1":9943,"col2":9946,"col3":9950},[9944],{"type":180,"text":9790,"spans":9945},[],[9947],{"type":180,"text":9948,"spans":9949},"4 months paid parental leave globally for both parents; \"Baby Cash\" (US$4,000 in some markets) for new parent expenses; family planning benefit covering fertility",[],[9951],{"type":180,"text":9952,"spans":9953},"Public reporting, Glassdoor",[],{"col1":9955,"col2":9958,"col3":9962},[9956],{"type":180,"text":9803,"spans":9957},[],[9959],{"type":180,"text":9960,"spans":9961},"Maternity above statutory; paternity additional weeks; family-related ESPP carve-outs",[],[9963],{"type":180,"text":9811,"spans":9964},[],{"col1":9966,"col2":9969,"col3":9973},[9967],{"type":180,"text":9816,"spans":9968},[],[9970],{"type":180,"text":9971,"spans":9972},"14-week maternity, paternity at statutory or slightly above. Adoption assistance available globally",[],[9974],{"type":180,"text":9975,"spans":9976},"Glassdoor, careers page",[],{"col1":9978,"col2":9981,"col3":9985},[9979],{"type":180,"text":9829,"spans":9980},[],[9982],{"type":180,"text":9983,"spans":9984},"16+ weeks parental leave for primary and secondary caregivers; fertility and adoption support; listed as standard on careers site",[],[9986],{"type":180,"text":9837,"spans":9987},[],{"col1":9989,"col2":9992,"col3":9996},[9990],{"type":180,"text":9842,"spans":9991},[],[9993],{"type":180,"text":9994,"spans":9995},"Maternity above statutory; reported childcare allowances in some markets",[],[9997],{"type":180,"text":9998,"spans":9999},"Glassdoor reviews",[],{"col1":10001,"col2":10004,"col3":10008},[10002],{"type":180,"text":9855,"spans":10003},[],[10005],{"type":180,"text":10006,"spans":10007},"Statutory + small enhancements; less generous than Western Big Tech historically per Glassdoor",[],[10009],{"type":180,"text":9998,"spans":10010},[],{"col1":10012,"col2":10015,"col3":10019},[10013],{"type":180,"text":9867,"spans":10014},[],[10016],{"type":180,"text":10017,"spans":10018},"26-week maternity, 12-week paternity globally for primary caregiver; family planning and adoption benefits",[],[10020],{"type":180,"text":9875,"spans":10021},[],"table3$cc3db9f7-ccbb-473e-a939-5603bd07f484",{"primary":10024,"items":10032,"id":10033,"slice_type":7941,"slice_label":107},{"text":10025},[10026,10029],{"type":180,"text":10027,"spans":10028},"This is the category where Singapore SMEs are, paradoxically, often closer to Big Tech than they realise. The statutory baseline is already strong (the government funds 16 weeks of maternity for citizens), so an SME that just adds 2 to 4 weeks of full-pay paternity above statutory and a $2,000 to $5,000 baby gift bonus is meaningfully closing the gap at small marginal cost.",[],{"type":180,"text":10030,"spans":10031},"For SMEs that genuinely want to differentiate: a $3,000 to $5,000 fertility or adoption support fund is a high-impact, low-frequency benefit. Most employees will never use it. The ones who do remember forever.",[],[],"text$5f307c25-e6e8-4b3e-ba30-94b464ba30ae",{"primary":10035,"items":10036,"id":10037,"slice_type":8021,"slice_label":107},{},[],"divider$aa407747-d2ff-4103-b149-4b6eede8db2d",{"primary":10039,"items":10046,"id":10047,"slice_type":7941,"slice_label":107},{"text":10040},[10041,10043],{"type":7946,"text":9613,"spans":10042},[],{"type":180,"text":10044,"spans":10045},"Singapore's minimum AL is 7 days, scaling to 14 days at 8 years of service. Most professional roles offer 14 to 18 days as the floor regardless of company size. Big Tech tends to push this to 18 to 25 days plus add categories most SMEs do not consider: mental health days, volunteering days, sabbaticals.",[],[],"text$7854f055-b8ae-4ec8-bb86-560a44bd234f",{"primary":10049,"items":10054,"id":10166,"slice_type":8948,"slice_label":107},{"table_title":10050},[10051],{"type":171,"text":10052,"spans":10053},"Leave entitlements at Big Tech SG",[],[10055,10070,10082,10094,10106,10118,10130,10142,10154],{"col1":10056,"col2":10060,"col3":10065},[10057],{"type":180,"text":9760,"spans":10058},[10059],{"start":9,"end":9763,"type":3603},[10061],{"type":180,"text":10062,"spans":10063},"Annual leave (typical)",[10064],{"start":9,"end":8794,"type":3603},[10066],{"type":180,"text":10067,"spans":10068},"Other leave categories",[10069],{"start":9,"end":8794,"type":3603},{"col1":10071,"col2":10074,"col3":10078},[10072],{"type":180,"text":9777,"spans":10073},[],[10075],{"type":180,"text":10076,"spans":10077},"20 days AL + paid mental wellness days + ~3 weeks sabbatical at 5-year mark in some regions",[],[10079],{"type":180,"text":10080,"spans":10081},"Volunteering leave, bereavement, jury duty",[],{"col1":10083,"col2":10086,"col3":10090},[10084],{"type":180,"text":9790,"spans":10085},[],[10087],{"type":180,"text":10088,"spans":10089},"21 days AL + 30 days bereavement + sabbatical eligibility",[],[10091],{"type":180,"text":10092,"spans":10093},"Recharge days, jury duty",[],{"col1":10095,"col2":10098,"col3":10102},[10096],{"type":180,"text":9803,"spans":10097},[],[10099],{"type":180,"text":10100,"spans":10101},"15-20 days AL scaling with tenure",[],[10103],{"type":180,"text":10104,"spans":10105},"Standard sick + family care leave",[],{"col1":10107,"col2":10110,"col3":10114},[10108],{"type":180,"text":9816,"spans":10109},[],[10111],{"type":180,"text":10112,"spans":10113},"15-21 days depending on level + tenure",[],[10115],{"type":180,"text":10116,"spans":10117},"Personal leave, jury duty",[],{"col1":10119,"col2":10122,"col3":10126},[10120],{"type":180,"text":9829,"spans":10121},[],[10123],{"type":180,"text":10124,"spans":10125},"20 days AL + flexible additional time off",[],[10127],{"type":180,"text":10128,"spans":10129},"Sabbatical at 5-year mark, volunteering days",[],{"col1":10131,"col2":10134,"col3":10138},[10132],{"type":180,"text":9842,"spans":10133},[],[10135],{"type":180,"text":10136,"spans":10137},"15-18 days AL + birthday leave reported",[],[10139],{"type":180,"text":10140,"spans":10141},"Some teams report 14-month bonus rather than extra leave",[],{"col1":10143,"col2":10146,"col3":10150},[10144],{"type":180,"text":9855,"spans":10145},[],[10147],{"type":180,"text":10148,"spans":10149},"14-20 days AL depending on level",[],[10151],{"type":180,"text":10152,"spans":10153},"Standard sick, childcare leave",[],{"col1":10155,"col2":10158,"col3":10162},[10156],{"type":180,"text":9867,"spans":10157},[],[10159],{"type":180,"text":10160,"spans":10161},"20-25 days AL + paid sabbatical eligibility at long tenure",[],[10163],{"type":180,"text":10164,"spans":10165},"Volunteering, family care",[],"table3$4f3b74cd-9a6c-4fae-98de-60d77263aa30",{"primary":10168,"items":10173,"id":10174,"slice_type":7941,"slice_label":107},{"text":10169},[10170],{"type":180,"text":10171,"spans":10172},"The realistic SME counter-move is not to match Big Tech's 20-day AL. It is to add 1 to 2 specific categories that signal you actually care about wellbeing: a no-questions-asked mental health day per quarter, a paid volunteering day per year, or 2 to 3 \"recharge\" days at the end of major project pushes. These cost almost nothing in leave-balance terms but signal a culture that Big Tech often loses at scale.",[],[],"text$78ebb7e2-1fb2-4811-ae40-c28741821b70",{"primary":10176,"items":10177,"id":10178,"slice_type":8021,"slice_label":107},{},[],"divider$b4d5a0e7-f8e2-4226-a5bc-6c592bb5d641",{"primary":10180,"items":10190,"id":10191,"slice_type":7941,"slice_label":107},{"text":10181},[10182,10184,10187],{"type":7946,"text":9619,"spans":10183},[],{"type":180,"text":10185,"spans":10186},"Two very different kinds of investment, frequently bundled together because they both serve career growth. Equity is the famous one. Learning budgets are quietly more important to mid-career retention.",[],{"type":171,"text":10188,"spans":10189},"Learning budgets and conference attendance",[],[],"text$f6448dfa-ce81-401a-a0b5-dfc6b884aa7a",{"primary":10193,"items":10198,"id":10305,"slice_type":8948,"slice_label":107},{"table_title":10194},[10195],{"type":171,"text":10196,"spans":10197},"Annual learning and development allowance (typical, as reported)",[],[10199,10213,10225,10237,10249,10260,10271,10283,10294],{"col1":10200,"col2":10204,"col3":10209},[10201],{"type":180,"text":9760,"spans":10202,"direction":123},[10203],{"start":9,"end":9763,"type":3603},[10205],{"type":180,"text":10206,"spans":10207,"direction":123},"Annual L&D budget per employee",[10208],{"start":9,"end":5512,"type":3603},[10210],{"type":180,"text":9771,"spans":10211,"direction":123},[10212],{"start":9,"end":5703,"type":3603},{"col1":10214,"col2":10217,"col3":10221},[10215],{"type":180,"text":9803,"spans":10216},[],[10218],{"type":180,"text":10219,"spans":10220},"Discretionary, per manager; significant internal training",[],[10222],{"type":180,"text":10223,"spans":10224},"Glassdoor",[],{"col1":10226,"col2":10229,"col3":10233},[10227],{"type":180,"text":9816,"spans":10228},[],[10230],{"type":180,"text":10231,"spans":10232},"Career Choice education benefit (95% tuition for select fields globally)",[],[10234],{"type":180,"text":10235,"spans":10236},"Amazon careers page",[],{"col1":10238,"col2":10241,"col3":10245},[10239],{"type":180,"text":9829,"spans":10240},[],[10242],{"type":180,"text":10243,"spans":10244},"$1,500 to $4,000 reported plus book budget",[],[10246],{"type":180,"text":10247,"spans":10248},"Glassdoor, employee posts",[],{"col1":10250,"col2":10253,"col3":10257},[10251],{"type":180,"text":9842,"spans":10252},[],[10254],{"type":180,"text":10255,"spans":10256},"Internal training emphasised; smaller external budget reported",[],[10258],{"type":180,"text":10223,"spans":10259},[],{"col1":10261,"col2":10264,"col3":10268},[10262],{"type":180,"text":9790,"spans":10263,"direction":123},[],[10265],{"type":180,"text":10266,"spans":10267,"direction":123},"$2,000 to $5,000 plus internal Meta Learning platform",[],[10269],{"type":180,"text":9998,"spans":10270,"direction":123},[],{"col1":10272,"col2":10275,"col3":10279},[10273],{"type":180,"text":9777,"spans":10274},[],[10276],{"type":180,"text":10277,"spans":10278},"$1,500 to $5,000 reported, plus internal Google University courses",[],[10280],{"type":180,"text":10281,"spans":10282},"Glassdoor, public reporting",[],{"col1":10284,"col2":10287,"col3":10291},[10285],{"type":180,"text":9855,"spans":10286},[],[10288],{"type":180,"text":10289,"spans":10290},"Conference + training attendance often manager-discretionary",[],[10292],{"type":180,"text":9998,"spans":10293},[],{"col1":10295,"col2":10298,"col3":10302},[10296],{"type":180,"text":9867,"spans":10297},[],[10299],{"type":180,"text":10300,"spans":10301},"Bloomberg University + tuition reimbursement program",[],[10303],{"type":180,"text":9875,"spans":10304},[],"table3$5e3a5ef4-1f0e-4be0-a7f3-1949c9a0b21a",{"primary":10307,"items":10324,"id":10325,"slice_type":7941,"slice_label":107},{"text":10308},[10309,10312,10315,10318,10321],{"type":171,"text":10310,"spans":10311},"Equity and ESPP",[],{"type":180,"text":10313,"spans":10314},"Most listed Big Tech firms offer Restricted Stock Units (RSUs) that vest over 3 to 4 years. The headline grant value is often 20 to 80 percent of base salary at senior levels; new-grad packages run smaller. Stripe and ByteDance offer private equity that is harder to value but has historically had liquidity events.",[],{"type":180,"text":10316,"spans":10317},"Apple offers an Employee Stock Purchase Plan (ESPP) with a 15 percent discount on share price - one of the most generous ESPPs in tech. Bloomberg, being privately held, offers profit-sharing rather than equity.",[],{"type":180,"text":10319,"spans":10320},"This is the category SMEs cannot meaningfully copy. ESOP schemes for early-stage Singapore SMEs exist (and there are EDB-backed templates) but the comparison is not apples-to-apples. Be honest about it: \"we offer X percent ESOP at Y dilution\" is a defensible answer if those numbers are real. Pretending to match Google's RSU is not.",[],{"type":180,"text":10322,"spans":10323},"If your candidate cares mostly about equity upside, the right pitch is the SME version of upside: more responsibility earlier, faster promotion, founder relationship, exit upside at acquisition or Series B+. That is a real story. Big Tech cannot offer it.",[],[],"text$73faa6aa-d8fe-4f3a-94cd-5829df7bbd74",{"primary":10327,"items":10328,"id":10329,"slice_type":8021,"slice_label":107},{},[],"divider$6fda2536-96fd-4c06-958f-d91e2cbd5ffe",{"primary":10331,"items":10338,"id":10339,"slice_type":7941,"slice_label":107},{"text":10332},[10333,10335],{"type":7946,"text":9625,"spans":10334},[],{"type":180,"text":10336,"spans":10337},"This is the most visible category to outsiders - the category that ends up on r/singapore threads with photos of company canteens. It is also where the gap between Big Tech and SMEs feels largest, and where the cost differential is genuinely huge.",[],[],"text$40fe26c3-3f34-4b65-80ca-479e79513966",{"primary":10341,"items":10346,"id":10460,"slice_type":8948,"slice_label":107},{"table_title":10342},[10343],{"type":171,"text":10344,"spans":10345},"Wellness, food and lifestyle perks at Big Tech SG",[],[10347,10364,10376,10388,10400,10412,10424,10436,10448],{"col1":10348,"col2":10352,"col3":10358},[10349],{"type":180,"text":9760,"spans":10350},[10351],{"start":9,"end":9763,"type":3603},[10353],{"type":180,"text":10354,"spans":10355},"What is offered",[10356],{"start":9,"end":10357,"type":3603},15,[10359],{"type":180,"text":10360,"spans":10361},"Approx. cost equivalent per employee per year",[10362],{"start":9,"end":10363,"type":3603},45,{"col1":10365,"col2":10368,"col3":10372},[10366],{"type":180,"text":9777,"spans":10367},[],[10369],{"type":180,"text":10370,"spans":10371},"Free breakfast, lunch and dinner at office; on-site gym; wellness reimbursement; Modern Health mental wellness platform",[],[10373],{"type":180,"text":10374,"spans":10375},"$8,000 to $12,000 in food alone if used daily",[],{"col1":10377,"col2":10380,"col3":10384},[10378],{"type":180,"text":9790,"spans":10379},[],[10381],{"type":180,"text":10382,"spans":10383},"Free meals at office; gym subsidy; family planning + mental health platforms",[],[10385],{"type":180,"text":10386,"spans":10387},"$6,000 to $10,000 food + wellness",[],{"col1":10389,"col2":10392,"col3":10396},[10390],{"type":180,"text":9803,"spans":10391},[],[10393],{"type":180,"text":10394,"spans":10395},"Subsidised cafe (not free); on-site gym at HQs; wellness apps",[],[10397],{"type":180,"text":10398,"spans":10399},"$1,500 to $3,000 effective subsidy",[],{"col1":10401,"col2":10404,"col3":10408},[10402],{"type":180,"text":9816,"spans":10403},[],[10405],{"type":180,"text":10406,"spans":10407},"No free food (a known cultural choice); standard wellness benefits",[],[10409],{"type":180,"text":10410,"spans":10411},"$500 to $1,500",[],{"col1":10413,"col2":10416,"col3":10420},[10414],{"type":180,"text":9829,"spans":10415},[],[10417],{"type":180,"text":10418,"spans":10419},"$20,000 one-time home office stipend; wellness reimbursement; food provided in some offices",[],[10421],{"type":180,"text":10422,"spans":10423},"$1,000+ recurring annual on top of one-time",[],{"col1":10425,"col2":10428,"col3":10432},[10426],{"type":180,"text":9842,"spans":10427},[],[10429],{"type":180,"text":10430,"spans":10431},"Famous for generous food (free lunch and dinner reported); gym subsidies",[],[10433],{"type":180,"text":10434,"spans":10435},"$5,000 to $9,000 food",[],{"col1":10437,"col2":10440,"col3":10444},[10438],{"type":180,"text":9855,"spans":10439},[],[10441],{"type":180,"text":10442,"spans":10443},"Subsidised meals in office; gym subsidy varies by team",[],[10445],{"type":180,"text":10446,"spans":10447},"$1,000 to $3,000",[],{"col1":10449,"col2":10452,"col3":10456},[10450],{"type":180,"text":9867,"spans":10451},[],[10453],{"type":180,"text":10454,"spans":10455},"Free snacks and pantry; subsidised food; on-site gym at major offices",[],[10457],{"type":180,"text":10458,"spans":10459},"$2,000 to $4,000",[],"table3$80aafcb6-ce34-47cf-b0f5-ca8e958d59d5",{"primary":10462,"items":10483,"id":10484,"slice_type":7941,"slice_label":107},{"text":10463},[10464,10467,10470,10473],{"type":180,"text":10465,"spans":10466,"direction":123},"The free-meals strategy is genuinely expensive. Google's SG office is widely reported to spend several million dollars a year just on the food programme. For an SME that cannot afford this, the trick is to focus on perks with high perceived value and low actual cost.",[],{"type":180,"text":10468,"spans":10469,"direction":123},"High-perception, low-cost SME wellness moves: a corporate gym partnership (Anytime Fitness, ActiveSG corporate plan, or Gympass) at $30 to $80 per employee per month; a stocked pantry with Yakult, fruit, instant ramen and decent coffee at $50 to $100 per employee per month; a quarterly catered team lunch at $200 to $400 per employee per year. The whole thing lands at $1,000 to $2,000 per head per year and looks generous.",[],{"type":180,"text":10471,"spans":10472,"direction":123},"On the discount-platform layer, this is where SMEs can actually leapfrog Big Tech. Most Big Tech firms in Singapore do not offer a comprehensive employee discount platform - they assume their salary covers it. ",[],{"type":180,"text":10474,"spans":10475,"direction":123},"An SME that adds Dive Perk-style discounts on F&B, retail, groceries, attractions and travel for $5 to $10 per employee per month delivers something Big Tech mostly does not, at a fraction of the cost. See the types of employee perks that work in Singapore for the broader menu.",[10476,10478],{"start":3602,"end":9277,"type":5402,"data":10477},{"link_type":69,"url":8729,"target":186},{"start":10479,"end":10480,"type":5402,"data":10481},210,256,{"link_type":69,"url":10482,"target":186},"https://divedeals.sg/blog/types-of-employee-perks-and-benefits",[],"text$38deeeb1-427d-4458-8491-f17354bdb647",{"primary":10486,"items":10487,"id":10488,"slice_type":8021,"slice_label":107},{},[],"divider$39a0b24f-8796-4d84-907d-c6158bb56444",{"primary":10490,"items":10497,"id":10498,"slice_type":7941,"slice_label":107},{"text":10491},[10492,10494],{"type":7946,"text":9631,"spans":10493},[],{"type":180,"text":10495,"spans":10496},"Adding up the visible components for a Singapore-based mid-level Big Tech employee (excluding base salary, RSUs and bonus), the benefits stack lands somewhere around the following annual employer cost per head:",[],[],"text$80d797de-feb9-44b3-aae7-9ccda05b9303",{"primary":10500,"items":10505,"id":10588,"slice_type":10589,"slice_label":107},{"table_title":10501},[10502],{"type":171,"text":10503,"spans":10504},"Approximate annual employer cost of Big Tech benefits (per SG employee, excl. salary/equity/bonus)",[],[10506,10517,10526,10535,10544,10553,10562,10571,10579],{"col1":10507,"col2":10511},[10508],{"type":180,"text":8885,"spans":10509},[10510],{"start":9,"end":8091,"type":3603},[10512],{"type":180,"text":10513,"spans":10514},"Annual cost per head",[10515],{"start":9,"end":10516,"type":3603},20,{"col1":10518,"col2":10522},[10519],{"type":180,"text":10520,"spans":10521},"Group medical (employee + spouse + 2 kids), high coverage",[],[10523],{"type":180,"text":10524,"spans":10525},"$2,500 to $4,500",[],{"col1":10527,"col2":10531},[10528],{"type":180,"text":10529,"spans":10530},"Mental health platform (Modern Health, Headspace, etc.)",[],[10532],{"type":180,"text":10533,"spans":10534},"$300 to $600",[],{"col1":10536,"col2":10540},[10537],{"type":180,"text":10538,"spans":10539},"Wellness reimbursement",[],[10541],{"type":180,"text":10542,"spans":10543},"$1,000 to $2,000",[],{"col1":10545,"col2":10549},[10546],{"type":180,"text":10547,"spans":10548},"Free meals (if offered, lunch + dinner)",[],[10550],{"type":180,"text":10551,"spans":10552},"$6,000 to $12,000",[],{"col1":10554,"col2":10558},[10555],{"type":180,"text":10556,"spans":10557},"Learning budget",[],[10559],{"type":180,"text":10560,"spans":10561},"$2,000 to $5,000",[],{"col1":10563,"col2":10567},[10564],{"type":180,"text":10565,"spans":10566},"Gym + on-site facilities",[],[10568],{"type":180,"text":10569,"spans":10570},"$1,000 to $2,500",[],{"col1":10572,"col2":10576},[10573],{"type":180,"text":10574,"spans":10575},"Family planning support (averaged across population)",[],[10577],{"type":180,"text":10410,"spans":10578},[],{"col1":10580,"col2":10584},[10581],{"type":180,"text":10582,"spans":10583},"Total annual benefits investment per head",[],[10585],{"type":180,"text":10586,"spans":10587},"$13,000 to $28,000",[],"table$50b82840-eb1e-4814-906a-ba6b31faa0fc","table",{"primary":10591,"items":10599,"id":10600,"slice_type":7941,"slice_label":107},{"text":10592},[10593,10596],{"type":180,"text":10594,"spans":10595},"That figure does not include statutory CPF, salary, bonus or equity. It is the pure benefits envelope. For a 200-person SG office of a Big Tech firm, that translates to roughly $2.6M to $5.6M per year just on benefits. That number explains why their cost-per-headcount is so high and why their candidate offers feel so generous.",[],{"type":180,"text":10597,"spans":10598},"No SME is going to match that envelope. Trying to is the wrong strategy. The right strategy is to identify the 4 to 5 line items that actually move retention and offer those at credible quality, and then layer in the cheap-but-high-perceived-value items (discount platform, pantry, corporate gym partner) on top.",[],[],"text$7beb8be5-1606-40a2-8e16-eba5d94516a0",{"primary":10602,"items":10603,"id":10604,"slice_type":8021,"slice_label":107},{},[],"divider$4689f276-f2a6-48db-a8ec-179abecd74ce",{"primary":10606,"items":10613,"id":10614,"slice_type":7941,"slice_label":107},{"text":10607},[10608,10610],{"type":7946,"text":9637,"spans":10609},[],{"type":180,"text":10611,"spans":10612},"Here is what an SME can credibly assemble for $2,500 to $4,000 per employee per year - roughly 15 to 20 percent of a Big Tech benefits envelope - that lands at 60 to 70 percent of the perceived value:",[],[],"text$ad146c96-0e76-411b-a948-3122337d34ee",{"primary":10616,"items":10621,"id":10752,"slice_type":8948,"slice_label":107},{"table_title":10617},[10618],{"type":171,"text":10619,"spans":10620},"The SME affordable benefits stack ($2,500-$4,000 per head per year)",[],[10622,10637,10650,10663,10676,10689,10701,10714,10727,10739],{"col1":10623,"col2":10627,"col3":10632},[10624],{"type":180,"text":8885,"spans":10625},[10626],{"start":9,"end":8091,"type":3603},[10628],{"type":180,"text":10629,"spans":10630},"Approximate annual cost",[10631],{"start":9,"end":7475,"type":3603},[10633],{"type":180,"text":10634,"spans":10635},"Perceived value vs Big Tech equivalent",[10636],{"start":9,"end":7992,"type":3603},{"col1":10638,"col2":10642,"col3":10646},[10639],{"type":180,"text":10640,"spans":10641},"Group hospitalisation + outpatient (Mednefits panel)",[],[10643],{"type":180,"text":10644,"spans":10645},"$700 to $1,200",[],[10647],{"type":180,"text":10648,"spans":10649},"70-80% of Big Tech equivalent",[],{"col1":10651,"col2":10655,"col3":10659},[10652],{"type":180,"text":10653,"spans":10654},"Group term life or critical illness rider",[],[10656],{"type":180,"text":10657,"spans":10658},"$200 to $500",[],[10660],{"type":180,"text":10661,"spans":10662},"50% (Big Tech rarely tops this)",[],{"col1":10664,"col2":10668,"col3":10672},[10665],{"type":180,"text":10666,"spans":10667},"Wellness allowance (medical-only flex, CPF-free)",[],[10669],{"type":180,"text":10670,"spans":10671},"$500 to $800",[],[10673],{"type":180,"text":10674,"spans":10675},"60% (smaller dollar but tax-efficient)",[],{"col1":10677,"col2":10681,"col3":10685},[10678],{"type":180,"text":10679,"spans":10680},"Corporate gym partnership (ActiveSG / Gympass)",[],[10682],{"type":180,"text":10683,"spans":10684},"$300 to $700",[],[10686],{"type":180,"text":10687,"spans":10688},"80% (often equal to Big Tech)",[],{"col1":10690,"col2":10694,"col3":10697},[10691],{"type":180,"text":10692,"spans":10693},"Pantry stock + monthly catered lunch",[],[10695],{"type":180,"text":10533,"spans":10696},[],[10698],{"type":180,"text":10699,"spans":10700},"40% (no daily free meal)",[],{"col1":10702,"col2":10706,"col3":10710},[10703],{"type":180,"text":10704,"spans":10705},"Employee discount platform (Dive Perk-style)",[],[10707],{"type":180,"text":10708,"spans":10709},"$60 to $120",[],[10711],{"type":180,"text":10712,"spans":10713},"120% (most Big Tech do not have this)",[],{"col1":10715,"col2":10719,"col3":10723},[10716],{"type":180,"text":10717,"spans":10718},"$200 festive gifts x 3 (CNY, Hari Raya, Deepavali)",[],[10720],{"type":180,"text":10721,"spans":10722},"$600",[],[10724],{"type":180,"text":10725,"spans":10726},"90% (parity)",[],{"col1":10728,"col2":10732,"col3":10735},[10729],{"type":180,"text":10730,"spans":10731},"Birthday + service award gifts",[],[10733],{"type":180,"text":8110,"spans":10734},[],[10736],{"type":180,"text":10737,"spans":10738},"90%",[],{"col1":10740,"col2":10744,"col3":10748},[10741],{"type":180,"text":10742,"spans":10743},"Total stack",[],[10745],{"type":180,"text":10746,"spans":10747},"$2,860 to $4,720",[],[10749],{"type":180,"text":10750,"spans":10751},"~65% of Big Tech perceived value at ~17% of cost",[],"table3$81d21af1-7c0b-426b-82b2-4d58bfe93a65",{"primary":10754,"items":10788,"id":10789,"slice_type":7941,"slice_label":107},{"text":10755},[10756,10759,10766,10773,10779],{"type":180,"text":10757,"spans":10758,"direction":123},"That ratio - 65 percent of perceived value at 17 percent of cost - is where SMEs win. And it is mostly delivered through tax-free benefits-in-kind that do not attract CPF, so the dollar efficiency is dramatically better than spending the equivalent on cash bonus.",[],{"type":180,"text":10760,"spans":10761,"direction":123},"The discount platform line at $60 to $120 per head is the highest-impact line in the table. Big Tech mostly assumes its salary covers daily lifestyle. SMEs can outpace them by giving their team active discount access on F&B, groceries, attractions, travel and retail - the things the team actually buys every week. See the best employee discounts available in Singapore for what these tend to include.",[10762],{"start":10763,"end":10764,"type":5402,"data":10765},323,369,{"link_type":69,"url":8338,"target":186},{"type":180,"text":10767,"spans":10768,"direction":123},"If you have not built any formal benefits programme yet, the broader explainer of what an employee discount programme actually is and how it qualifies for IRAS and CPF treatment is a good starting point.",[10769],{"start":10770,"end":10771,"type":5402,"data":10772},82,129,{"link_type":69,"url":8736,"target":186},{"type":180,"text":10774,"spans":10775,"direction":123},"Want to know about the plans of Dive Perk? Click here to explore the best plan for your company.",[10776,10778],{"start":8701,"end":8012,"type":5402,"data":10777},{"link_type":69,"url":8729,"target":186},{"start":8701,"end":8012,"type":3603},{"type":180,"text":10780,"spans":10781,"direction":123},"Still having some thoughts about enhancing your employee benefits? Feel free to contact us to find out how Dive Perk can help you today!",[10782,10787],{"start":10783,"end":10784,"type":5402,"data":10785},80,90,{"link_type":69,"url":10786,"target":186},"https://mailto:hello@divedeals.sg/",{"start":10783,"end":10784,"type":3603},[],"text$e45406cb-5d44-44e3-80ba-0148018980af",{"id":10791,"uid":10792,"url":107,"type":7846,"href":10793,"tags":10794,"first_publication_date":10797,"last_publication_date":10797,"slugs":10798,"linked_documents":10800,"lang":115,"alternate_languages":10801,"data":10802},"aflkmhAAAPzZYORL","youtrip-vs-wise-vs-revolut-vs-amaze-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aflkmhAAAPzZYORL%22%29+%5D%5D",[10795,10796,7851],"travel","forex card","2026-05-05T03:40:47+0000",[10799],"youtrip-vs-wise-vs-revolut-vs-amaze-in-singapore-2026-the-real-cost-of-your-overseas-spend-per-1000",[],[],{"title":10803,"seo_title":10807,"seo_meta_description":10811,"featured":16,"expired":16,"noindex":16,"cover_image":10815,"date":4124,"author_link":10821,"body":10824},[10804],{"type":120,"text":10805,"spans":10806},"YouTrip vs Wise vs Revolut vs Amaze in Singapore (2026): The Real Cost of Your Overseas Spend, Per $1,000",[],[10808],{"type":120,"text":10809,"spans":10810},"YouTrip vs Wise vs Revolut vs Amaze Singapore (2026): Real Cost Comparison",[],[10812],{"type":120,"text":10813,"spans":10814},"A no-marketing dollar-by-dollar comparison of YouTrip, Wise, Revolut and Amaze for Singapore travelers in 2026, with three worked scenarios and the right card for each travel pattern.",[],{"dimensions":10816,"alt":10817,"copyright":107,"url":10818,"id":10819,"edit":10820},{"width":7872,"height":7873},"cheapest way to spend overseas singapore","https://images.prismic.io/dive/afllTsBOoF08xm0A_sophie-dupau-tCQ-0qemWyQ-unsplash.jpg?auto=format,compress","afllTsBOoF08xm0A",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":10822,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":10823,"isBroken":16},[],"d505f67f-4227-4034-a023-b15318a928ff",[10825,10844,10899,10903,10939,10943,11017,11021,11089,11093,11153,11157,11222,11226,11236,11442,11450,11454,11467,11539,11550,11623,11634,11704,11712,11716],{"primary":10826,"items":10842,"id":10843,"slice_type":7941,"slice_label":107},{"text":10827},[10828,10831,10834,10837],{"type":180,"text":10829,"spans":10830},"Most Singapore travelers pick a multi-currency card the same way they pick a phone plan: somebody at lunch said \"use YouTrip\" and that became the answer for life. The card you carry quietly costs you $5 to $80 per $1,000 of overseas spend that you never see itemised.",[],{"type":180,"text":10832,"spans":10833},"All four contenders here are genuinely good. None of them is a bad choice. But each is optimised for a very different person, and the gap between picking the right one and picking the wrong one widens fast once you start spending real money abroad.",[],{"type":180,"text":10835,"spans":10836},"This post does what every other comparison refuses to do: work out the actual dollar cost on three real scenarios, citing the official fee pages of all four providers. No \"best card overall\" verdict, because there isn't one. The right card depends on how you spend.",[],{"type":180,"text":10838,"spans":10839},"Last verified: 5 May 2026, with all rates and fees pulled from each provider's official Singapore pricing page.",[10840],{"start":9,"end":10841,"type":7900},111,[],"text$132a3772-b32b-40b5-88fb-31b08e889b7a",{"primary":10845,"items":10897,"id":10898,"slice_type":7941,"slice_label":107},{"text":10846},[10847,10849,10855,10861,10867,10873,10879,10885,10891],{"type":7946,"text":7947,"spans":10848,"direction":123},[],{"type":180,"text":10850,"spans":10851,"direction":123},"1. The 3 things that actually decide your overseas spend cost",[10852],{"start":9,"end":8360,"type":5402,"data":10853},{"link_type":69,"url":10854,"target":186},"#1-the-3-things-that-actually-decide-your-overseas-spend-cost",{"type":180,"text":10856,"spans":10857,"direction":123},"2. YouTrip - the no-thinking pick for occasional travel",[10858],{"start":9,"end":8370,"type":5402,"data":10859},{"link_type":69,"url":10860,"target":186},"#2-youtrip-the-no-thinking-pick-for-occasional-travel",{"type":180,"text":10862,"spans":10863,"direction":123},"3. Wise - the long-stay multi-currency holder",[10864],{"start":9,"end":10363,"type":5402,"data":10865},{"link_type":69,"url":10866,"target":186},"#3-wise-the-long-stay-multi-currency-holder",{"type":180,"text":10868,"spans":10869,"direction":123},"4. Revolut - the high-spender with weekday discipline",[10870],{"start":9,"end":8012,"type":5402,"data":10871},{"link_type":69,"url":10872,"target":186},"#4-revolut-the-high-spender-with-weekday-discipline",{"type":180,"text":10874,"spans":10875,"direction":123},"5. Amaze - the miles-stacker hybrid (with caveats)",[10876],{"start":9,"end":7953,"type":5402,"data":10877},{"link_type":69,"url":10878,"target":186},"#5-amaze-the-miles-stacker-hybrid-with-caveats-",{"type":180,"text":10880,"spans":10881,"direction":123},"6. Side-by-side: every fee that matters",[10882],{"start":9,"end":8312,"type":5402,"data":10883},{"link_type":69,"url":10884,"target":186},"#6-side-by-side-every-fee-that-matters",{"type":180,"text":10886,"spans":10887,"direction":123},"7. Three real scenarios with dollar maths",[10888],{"start":9,"end":7999,"type":5402,"data":10889},{"link_type":69,"url":10890,"target":186},"#7-three-real-scenarios-with-dollar-maths",{"type":180,"text":10892,"spans":10893,"direction":123},"8. Which card is actually right for you",[10894],{"start":9,"end":8312,"type":5402,"data":10895},{"link_type":69,"url":10896,"target":186},"#8-which-card-is-actually-right-for-you",[],"text$7fd2490b-0979-4ba9-bca1-2682ed4269da",{"primary":10900,"items":10901,"id":10902,"slice_type":8021,"slice_label":107},{},[],"divider$034f72bb-0af2-4b86-b302-f1ec83d38316",{"primary":10904,"items":10937,"id":10938,"slice_type":7941,"slice_label":107},{"text":10905},[10906,10908,10911,10915,10919,10923,10926],{"type":7946,"text":10850,"spans":10907},[],{"type":180,"text":10909,"spans":10910},"Strip away the marketing and there are exactly three numbers that determine how much an overseas transaction costs you.",[],{"type":4229,"text":10912,"spans":10913},"The exchange rate spread - The gap between the rate the card gives you and the actual interbank rate. This is where 80% of the cost lives. A 1% spread on a $5,000 trip is $50.",[10914],{"start":9,"end":6267,"type":3603},{"type":4229,"text":10916,"spans":10917},"Fixed and percentage fees on top - Top-up surcharges, ATM withdrawal fees, weekend surcharges, fair-usage fees once you cross a monthly limit. Smaller numbers individually, but they stack.",[10918],{"start":9,"end":8795,"type":3603},{"type":4229,"text":10920,"spans":10921},"What you give up in rewards - A pure FX card pays no miles or cashback. Spend $5,000 abroad on YouTrip versus a 4 mpd miles card and you have given up roughly $300 of redeemable miles. That is a real cost too.",[10922],{"start":9,"end":9696,"type":3603},{"type":180,"text":10924,"spans":10925},"The honest framework is this: total real cost = (FX spread + explicit fees) minus (rewards earned). The card with the cheapest FX is not always the cheapest card. The card that earns the most miles is not always the most rewarding. Run your own numbers against your own travel pattern.",[],{"type":180,"text":10927,"spans":10928},"Before you commit, also check whether the credit cards already in your wallet are doing useful work overseas. A surprising number of Singapore cards waive the annual fee and quietly include free travel insurance and miles on overseas spend, which can change the maths.",[10929,10933],{"start":6267,"end":10930,"type":5402,"data":10931},108,{"link_type":69,"url":10932},"https://divedeals.sg/blog/credit-card-annual-fee-waiver-singapore",{"start":10934,"end":8336,"type":5402,"data":10935},190,{"link_type":69,"url":10936},"https://divedeals.sg/blog/free-credit-card-travel-insurance-singapore-guide",[],"text$117b7176-0a1e-478e-b3a5-37c771208432",{"primary":10940,"items":10941,"id":10942,"slice_type":8021,"slice_label":107},{},[],"divider$081b628d-be2f-44b4-a764-84cf7f08cafa",{"primary":10944,"items":11015,"id":11016,"slice_type":7941,"slice_label":107},{"text":10945},[10946,10948,10956,10959,10963,10967,10971,10975,10979,10983,10987,10991,10994,10997,11000,11003,11006],{"type":7946,"text":10856,"spans":10947},[],{"type":180,"text":10949,"spans":10950},"YouTrip remains the default Singapore travel card for a reason. The fee schedule is genuinely simple, the wholesale exchange rate is real, and almost nothing costs anything until you withdraw cash.",[10951],{"start":10952,"end":10953,"type":5402,"data":10954},106,137,{"link_type":69,"url":10955},"https://support.you.co/hc/en-us/articles/360000597553-What-are-the-exchange-rates-and-fees-offered-by-YouTrip",{"type":171,"text":10957,"spans":10958},"What you actually pay",[],{"type":4229,"text":10960,"spans":10961},"Annual fee - Free",[10962],{"start":9,"end":3601,"type":3603},{"type":4229,"text":10964,"spans":10965},"Card issuance and setup - Free",[10966],{"start":9,"end":7475,"type":3603},{"type":4229,"text":10968,"spans":10969},"Top-up via PayNow, FAST, Mastercard or Visa debit - Free",[10970],{"start":9,"end":8701,"type":3603},{"type":4229,"text":10972,"spans":10973},"Top-up via Visa credit card - 1.5% service fee",[10974],{"start":9,"end":9696,"type":3603},{"type":4229,"text":10976,"spans":10977},"Currency exchange in app - Free, at Mastercard wholesale rate across 150+ currencies",[10978],{"start":9,"end":6267,"type":3603},{"type":4229,"text":10980,"spans":10981},"Overseas card spend - Free, no transaction fee, no FX markup",[10982],{"start":9,"end":7423,"type":3603},{"type":4229,"text":10984,"spans":10985},"Overseas ATM withdrawal - Free up to S$400 per calendar month, then 2% (the foreign ATM operator may charge their own fee on top)",[10986],{"start":9,"end":7475,"type":3603},{"type":4229,"text":10988,"spans":10989},"Card replacement - S$10",[10990],{"start":9,"end":6275,"type":3603},{"type":171,"text":10992,"spans":10993},"Where it actually wins",[],{"type":180,"text":10995,"spans":10996},"For a once-or-twice-a-year traveler doing $2,000 to $5,000 of overseas spend, YouTrip is hard to beat on a pure cost basis. Zero markup, zero monthly fees, and the in-app currency exchange genuinely uses the wholesale rate (you can sanity-check it against XE.com).",[],{"type":180,"text":10998,"spans":10999},"It also handles online USD subscriptions like Netflix or Apple One cleanly. Pre-load USD when the rate looks favourable, set the card as the payment method, and your monthly bill is locked at your top-up rate.",[],{"type":171,"text":11001,"spans":11002},"Where it loses",[],{"type":180,"text":11004,"spans":11005},"No miles, no cashback, ever. If you are spending $10,000 a year overseas, you are leaving $300 to $600 of miles on the table compared to a stack like Amaze plus a 4 mpd card. The S$400 monthly free ATM cap is also low for anyone doing a long-stay trip in a cash-heavy country like Japan or Vietnam.",[],{"type":180,"text":11007,"spans":11008},"YouTrip official sources: the fees overview and the YouTrip ATM withdrawal article both confirm the numbers above.",[11009,11012],{"start":5512,"end":5453,"type":5402,"data":11010},{"link_type":69,"url":11011},"https://support.you.co/hc/en-us/articles/360000608414-What-are-the-fees-involved-in-using-a-YouTrip-account",{"start":8307,"end":10770,"type":5402,"data":11013},{"link_type":69,"url":11014},"https://support.you.co/hc/en-us/articles/360003288834-Can-I-withdraw-cash-from-local-and-overseas-ATMs-with-my-YouTrip-card",[],"text$4e176db6-859e-4210-80e4-dbf9b37addc4",{"primary":11018,"items":11019,"id":11020,"slice_type":8021,"slice_label":107},{},[],"divider$b0b58af5-1209-4cb2-9cea-a3c383ccdbd3",{"primary":11022,"items":11087,"id":11088,"slice_type":7941,"slice_label":107},{"text":11023},[11024,11026,11029,11031,11035,11039,11043,11047,11051,11055,11059,11063,11067,11069,11072,11079,11081,11084],{"type":7946,"text":10862,"spans":11025},[],{"type":180,"text":11027,"spans":11028},"Wise is the card you want if you genuinely live in multiple currencies, send international transfers regularly, or get paid in foreign currency. As a pure travel-spend card, it is fine but slightly more expensive than YouTrip on most pairs.",[],{"type":171,"text":10957,"spans":11030},[],{"type":4229,"text":11032,"spans":11033},"Card issuance - S$8.50 (digital card free)",[11034],{"start":9,"end":5703,"type":3603},{"type":4229,"text":11036,"spans":11037},"Annual fee - None (no subscription)",[11038],{"start":9,"end":3601,"type":3603},{"type":4229,"text":11040,"spans":11041},"Express delivery - From S$16",[11042],{"start":9,"end":6275,"type":3603},{"type":4229,"text":11044,"spans":11045},"Card replacement - S$4 (free for expired cards)",[11046],{"start":9,"end":6275,"type":3603},{"type":4229,"text":11048,"spans":11049},"Top-up to your Wise account from a Singapore bank - Free",[11050],{"start":9,"end":8701,"type":3603},{"type":4229,"text":11052,"spans":11053},"Currency conversion - Mid-market rate plus a variable fee per currency. SGD to USD is about 0.25%; major travel currencies like JPY, EUR, THB and KRW are typically 0.36% to 0.5%; exotic pairs go higher",[11054],{"start":9,"end":7423,"type":3603},{"type":4229,"text":11056,"spans":11057},"Overseas ATM withdrawal - Free up to S$100 per month, then 1.75% on the amount above S$100. ATM operator may also charge",[11058],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11060,"spans":11061},"Local Singapore ATM withdrawals - Not allowed",[11062],{"start":9,"end":8469,"type":3603},{"type":4229,"text":11064,"spans":11065},"Topping up external e-wallets - 2%",[11066],{"start":9,"end":8302,"type":3603},{"type":171,"text":10992,"spans":11068},[],{"type":180,"text":11070,"spans":11071},"If you hold balances in multiple currencies (USD salary, GBP pension, EUR rental income), Wise is unmatched. You can convert at the mid-market rate, hold the balance, and spend straight from the right currency wallet abroad with effectively zero spread on that leg.",[],{"type":180,"text":11073,"spans":11074},"Wise also publishes its conversion fees in advance and shows you the total before you commit. That transparency is rare. Pricing for the card is documented in full on the Wise card-fees page.",[11075],{"start":11076,"end":10934,"type":5402,"data":11077},171,{"link_type":69,"url":11078},"https://wise.com/sg/pricing/card-fees",{"type":171,"text":11001,"spans":11080},[],{"type":180,"text":11082,"spans":11083},"For a typical Singapore traveler who only converts SGD to JPY for a Tokyo trip, the 0.41% conversion fee on JPY is a real cost that YouTrip does not charge. It also has the lowest free ATM allowance of all four cards (S$100/month vs S$350-S$400 for the others).",[],{"type":180,"text":11085,"spans":11086},"And there are no miles or cashback. Ever. Same downside as YouTrip on the rewards front.",[],[],"text$ff07bbdb-5306-4bc6-ba3b-690fb9007836",{"primary":11090,"items":11091,"id":11092,"slice_type":8021,"slice_label":107},{},[],"divider$dd0231a7-0040-4a35-9135-60eb85089f1c",{"primary":11094,"items":11151,"id":11152,"slice_type":7941,"slice_label":107},{"text":11095},[11096,11098,11101,11104,11108,11112,11116,11120,11124,11128,11132,11135,11137,11140,11143,11145,11148],{"type":7946,"text":10868,"spans":11097},[],{"type":180,"text":11099,"spans":11100},"Revolut is the most rules-heavy card of the four, and most casual users never read past the headline \"free FX\" claim. Get the rules right and the free Standard plan is genuinely competitive on big-ticket weekday spend. Get them wrong and you can pay 1% to 2% more than YouTrip on the same purchase.",[],{"type":171,"text":11102,"spans":11103},"What you actually pay (Standard plan)",[],{"type":4229,"text":11105,"spans":11106},"Plan subscription - Free",[11107],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11109,"spans":11110},"First Revolut card - Free, S$4.99 delivery fee",[11111],{"start":9,"end":9667,"type":3603},{"type":4229,"text":11113,"spans":11114},"Top-up from a Singapore bank - Free",[11115],{"start":9,"end":8536,"type":3603},{"type":4229,"text":11117,"spans":11118},"Top-up from cards - 0.30% (SG-issued Visa debit) to 2.08% (international consumer debit), per the Standard fees page",[11119],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11121,"spans":11122},"Currency exchange - Free up to S$5,000/month combined across all currencies; 1% fair-usage fee on any amount above",[11123],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11125,"spans":11126},"Weekend surcharge - Additional 1% on any FX done outside Foreign Exchange Market Hours (Friday 5pm New York time to Sunday 6pm New York time). For a Singapore traveler, that means most of Saturday afternoon to Monday morning local time",[11127],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11129,"spans":11130},"Overseas ATM withdrawal - Free up to S$350/month or 5 withdrawals/month (whichever comes first); 2% or S$1.49, whichever is higher, above",[11131],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11060,"spans":11133},[11134],{"start":9,"end":8469,"type":3603},{"type":171,"text":10992,"spans":11136},[],{"type":180,"text":11138,"spans":11139},"Two specific people will love Revolut. First, the high-volume Singapore-based weekday traveler with under S$5,000/month of FX spend who can avoid weekend transactions. They get genuinely free FX at competitive rates with no per-transaction surcharge.",[],{"type":180,"text":11141,"spans":11142},"Second, the heavy traveler who upgrades to Premium or Metal. Premium lifts the free FX limit to S$15,000/month and removes the weekend surcharge entirely. Metal removes the FX limit completely and adds 1.5% cashback on card payments. For someone doing $30,000+/year of overseas spend, the maths can pencil out.",[],{"type":171,"text":11001,"spans":11144},[],{"type":180,"text":11146,"spans":11147},"Revolut sets its own exchange rate, not strictly mid-market. The rate is competitive but not always the absolute best, and the spread is not published. For weekend shopping (Saturday brunch in Bangkok, Sunday outlet mall in Tokyo) the additional 1% surcharge stacks with that rate, so a single weekend purchase can cost 1% to 1.5% more than the same purchase on YouTrip.",[],{"type":180,"text":11149,"spans":11150},"The S$5,000/month FX cap also catches anyone funding a holiday from a single Revolut top-up. A $3,000 Tokyo trip, a $1,500 KrisFlyer flight, and a $1,000 Klook booking in the same calendar month would push you S$500 over and trigger the 1% fair-usage fee on that excess.",[],[],"text$af7eddd2-977b-4183-8039-5c570947b0a3",{"primary":11154,"items":11155,"id":11156,"slice_type":8021,"slice_label":107},{},[],"divider$d2ba77c1-e2cc-4d92-93d2-42738798a8a6",{"primary":11158,"items":11220,"id":11221,"slice_type":7941,"slice_label":107},{"text":11159},[11160,11162,11165,11167,11171,11175,11179,11183,11187,11191,11195,11198,11201,11204,11206,11209,11212,11214,11217],{"type":7946,"text":10874,"spans":11161},[],{"type":180,"text":11163,"spans":11164},"Amaze is the contrarian pick. On paper its FX is worse than the other three. In practice, the right user pairs it with a 4 mpd miles credit card and comes out ahead on net cost once miles value is counted. The wrong user just pays the 2.1% spread and loses.",[],{"type":171,"text":10957,"spans":11166},[],{"type":4229,"text":11168,"spans":11169},"Annual fee, card issuance, replacement - Free",[11170],{"start":9,"end":7992,"type":3603},{"type":4229,"text":11172,"spans":11173},"Top-up via PayNow or linked bank - Free",[11174],{"start":9,"end":8795,"type":3603},{"type":4229,"text":11176,"spans":11177},"Top-up via Apple Pay - 1.5% (minimum S$0.50)",[11178],{"start":9,"end":10516,"type":3603},{"type":4229,"text":11180,"spans":11181},"Wallet mode (spend from Amaze SGD balance) - Free domestically, free abroad, no extra FX markup beyond Amaze's rate",[11182],{"start":9,"end":6406,"type":3603},{"type":4229,"text":11184,"spans":11185},"Linked card mode for SGD transactions - 1% fee, minimum S$0.50",[11186],{"start":9,"end":7315,"type":3603},{"type":4229,"text":11188,"spans":11189},"Linked card mode for FX transactions - Up to 2.1% FX spread, which Amaze positions as cheaper than the typical 3.25% to 3.5% bank FX admin fee",[11190],{"start":9,"end":8528,"type":3603},{"type":4229,"text":11192,"spans":11193},"Overseas ATM withdrawal - 2% fee",[11194],{"start":9,"end":7475,"type":3603},{"type":171,"text":11196,"spans":11197},"How the miles stack actually works",[],{"type":180,"text":11199,"spans":11200},"In linked card mode, Amaze charges the FX transaction to your linked Mastercard credit card in SGD. Your bank sees a domestic SGD transaction, not a foreign one. If the linked card earns miles on general spend, you collect miles on what was originally a foreign transaction.",[],{"type":180,"text":11202,"spans":11203},"The popular Singapore stacks are UOB PRVI Pacific (4 mpd on overseas spend converted to SGD via Amaze), Citi PremierMiles (1.2 mpd general, 2 mpd overseas), and KrisFlyer UOB Credit Card (3 mpd overseas via Amaze in some periods). Always check current earn rates with your bank before relying on them.",[],{"type":171,"text":10992,"spans":11205},[],{"type":180,"text":11207,"spans":11208},"On a $5,000 overseas trip with a 4 mpd linked card, the maths typically looks like this: $5,000 x 2.1% = $105 in FX spread, but $5,000 x 4 mpd = 20,000 KrisFlyer miles. At a conservative 1.5 cents/mile redemption value (economy short-haul), those miles are worth $300. Net benefit: $195 versus YouTrip's $0.",[],{"type":180,"text":11210,"spans":11211},"That benefit is real only if (a) you actually redeem your miles for value above 1.5 c/mile, (b) the linked card grants miles on the SGD transaction (not all do, and not all merchants), and (c) you do not let miles expire.",[],{"type":171,"text":11001,"spans":11213},[],{"type":180,"text":11215,"spans":11216},"The big risk: many merchants and platforms have been re-categorised by Mastercard so that the SGD transaction is treated as an excluded MCC (typical exclusions include insurance, education, government payments, utilities, real-estate, and some travel agencies). When that happens you pay the 2.1% spread and earn zero miles.",[],{"type":180,"text":11218,"spans":11219},"For someone who does not redeem miles strategically, or whose preferred linked card excludes Amaze MCCs, the net effect is a 2.1% loss on every FX transaction. That is worse than every other card on this page.",[],[],"text$1b1bc5c2-2128-4454-8cd7-51d84858dd2b",{"primary":11223,"items":11224,"id":11225,"slice_type":8021,"slice_label":107},{},[],"divider$3351412b-7701-43a3-a257-22484470140b",{"primary":11227,"items":11234,"id":11235,"slice_type":7941,"slice_label":107},{"text":11228},[11229,11231],{"type":7946,"text":10880,"spans":11230},[],{"type":180,"text":11232,"spans":11233},"All four cards on the same page, with the same line items. Where a feature differs between plans, the row reflects the free/default plan unless stated.",[],[],"text$0a67e98a-76c4-4174-9c0e-858eb76d0ab0",{"primary":11237,"items":11242,"id":11441,"slice_type":8242,"slice_label":107},{"table_title":11238},[11239],{"type":171,"text":11240,"spans":11241},"Headline fees compared (free / default plan)",[],[11243,11264,11280,11296,11310,11327,11344,11361,11377,11394,11411,11426],{"col1":11244,"col2":11249,"col3":11254,"col4":11259},[11245],{"type":180,"text":11246,"spans":11247},"Fee line",[11248],{"start":9,"end":8085,"type":3603},[11250],{"type":180,"text":11251,"spans":11252},"YouTrip",[11253],{"start":9,"end":9763,"type":3603},[11255],{"type":180,"text":11256,"spans":11257},"Wise",[11258],{"start":9,"end":8097,"type":3603},[11260],{"type":180,"text":11261,"spans":11262},"Revolut Standard",[11263],{"start":9,"end":6275,"type":3603},{"col1":11265,"col2":11269,"col3":11273,"col4":11277},[11266],{"type":180,"text":11267,"spans":11268},"Annual fee",[],[11270],{"type":180,"text":11271,"spans":11272},"Free",[],[11274],{"type":180,"text":11275,"spans":11276},"Free (no subscription)",[],[11278],{"type":180,"text":11271,"spans":11279},[],{"col1":11281,"col2":11285,"col3":11288,"col4":11292},[11282],{"type":180,"text":11283,"spans":11284},"Card issuance",[],[11286],{"type":180,"text":11271,"spans":11287},[],[11289],{"type":180,"text":11290,"spans":11291},"S$8.50 (digital free)",[],[11293],{"type":180,"text":11294,"spans":11295},"Free + S$4.99 delivery",[],{"col1":11297,"col2":11301,"col3":11304,"col4":11307},[11298],{"type":180,"text":11299,"spans":11300},"Top-up via PayNow / SG bank",[],[11302],{"type":180,"text":11271,"spans":11303},[],[11305],{"type":180,"text":11271,"spans":11306},[],[11308],{"type":180,"text":11271,"spans":11309},[],{"col1":11311,"col2":11315,"col3":11319,"col4":11323},[11312],{"type":180,"text":11313,"spans":11314},"Top-up via debit/credit card",[],[11316],{"type":180,"text":11317,"spans":11318},"Free for Mastercard, 1.5% for Visa credit",[],[11320],{"type":180,"text":11321,"spans":11322},"Varies",[],[11324],{"type":180,"text":11325,"spans":11326},"0.30% to 2.08% surcharge",[],{"col1":11328,"col2":11332,"col3":11336,"col4":11340},[11329],{"type":180,"text":11330,"spans":11331},"FX rate",[],[11333],{"type":180,"text":11334,"spans":11335},"Mastercard wholesale, 0% markup",[],[11337],{"type":180,"text":11338,"spans":11339},"Mid-market plus per-currency fee",[],[11341],{"type":180,"text":11342,"spans":11343},"Revolut rate (variable)",[],{"col1":11345,"col2":11349,"col3":11353,"col4":11357},[11346],{"type":180,"text":11347,"spans":11348},"FX fee on card spend",[],[11350],{"type":180,"text":11351,"spans":11352},"0%",[],[11354],{"type":180,"text":11355,"spans":11356},"~0.25% USD, ~0.4% major travel pairs",[],[11358],{"type":180,"text":11359,"spans":11360},"0% up to S$5,000/month, then 1%",[],{"col1":11362,"col2":11366,"col3":11370,"col4":11373},[11363],{"type":180,"text":11364,"spans":11365},"Weekend FX surcharge",[],[11367],{"type":180,"text":11368,"spans":11369},"None",[],[11371],{"type":180,"text":11368,"spans":11372},[],[11374],{"type":180,"text":11375,"spans":11376},"1% outside FX market hours",[],{"col1":11378,"col2":11382,"col3":11386,"col4":11390},[11379],{"type":180,"text":11380,"spans":11381},"Overseas ATM free amount",[],[11383],{"type":180,"text":11384,"spans":11385},"S$400/month",[],[11387],{"type":180,"text":11388,"spans":11389},"S$100/month",[],[11391],{"type":180,"text":11392,"spans":11393},"S$350/month or 5 withdrawals",[],{"col1":11395,"col2":11399,"col3":11403,"col4":11407},[11396],{"type":180,"text":11397,"spans":11398},"Overseas ATM fee above limit",[],[11400],{"type":180,"text":11401,"spans":11402},"2%",[],[11404],{"type":180,"text":11405,"spans":11406},"1.75%",[],[11408],{"type":180,"text":11409,"spans":11410},"2% or S$1.49 (higher)",[],{"col1":11412,"col2":11416,"col3":11420,"col4":11423},[11413],{"type":180,"text":11414,"spans":11415},"Local SG ATM use",[],[11417],{"type":180,"text":11418,"spans":11419},"No",[],[11421],{"type":180,"text":11418,"spans":11422},[],[11424],{"type":180,"text":11418,"spans":11425},[],{"col1":11427,"col2":11431,"col3":11434,"col4":11437},[11428],{"type":180,"text":11429,"spans":11430},"Earns miles or cashback",[],[11432],{"type":180,"text":11418,"spans":11433},[],[11435],{"type":180,"text":11418,"spans":11436},[],[11438],{"type":180,"text":11439,"spans":11440},"No (Standard); 1.5% cashback on Metal",[],"table__4_columns_$4b1c8bc7-0a26-4fca-89a5-28752e40fcb4",{"primary":11443,"items":11448,"id":11449,"slice_type":7941,"slice_label":107},{"text":11444},[11445],{"type":180,"text":11446,"spans":11447},"Amaze is intentionally not in the table above. It is structurally different (it routes the cost through a linked credit card) and the only fair comparison is on a per-scenario basis, with the linked card's miles included. That is what section 7 does next.",[],[],"text$c4e873c1-9b70-4a3e-b6aa-684bd5c8749b",{"primary":11451,"items":11452,"id":11453,"slice_type":8021,"slice_label":107},{},[],"divider$884a2023-3fd0-45f0-8cd2-d35c4fbc1b7d",{"primary":11455,"items":11465,"id":11466,"slice_type":7941,"slice_label":107},{"text":11456},[11457,11459,11462],{"type":7946,"text":10886,"spans":11458},[],{"type":180,"text":11460,"spans":11461},"Three scenarios that cover the bulk of how Singaporeans actually use these cards. All numbers are total cost on the same SGD-equivalent spend, all assume weekday transactions unless flagged, and all include the explicit fees and a fair estimate of the FX rate gap. Miles are valued conservatively at 1.5 cents per mile.",[],{"type":171,"text":11463,"spans":11464},"Scenario A: $3,000 7-day Tokyo trip, all card spend, no ATM",[],[],"text$5a9253a3-6d3f-4283-a71e-7c57b27fef6f",{"primary":11468,"items":11473,"id":11538,"slice_type":8948,"slice_label":107},{"table_title":11469},[11470],{"type":171,"text":11471,"spans":11472},"$3,000 of JPY card spend, weekday transactions",[],[11474,11490,11501,11513,11525],{"col1":11475,"col2":11480,"col3":11485},[11476],{"type":180,"text":11477,"spans":11478},"Card",[11479],{"start":9,"end":8097,"type":3603},[11481],{"type":180,"text":11482,"spans":11483},"Total cost",[11484],{"start":9,"end":3601,"type":3603},[11486],{"type":180,"text":11487,"spans":11488},"Net after rewards",[11489],{"start":9,"end":3602,"type":3603},{"col1":11491,"col2":11494,"col3":11498},[11492],{"type":180,"text":11251,"spans":11493},[],[11495],{"type":180,"text":11496,"spans":11497},"$3,000.00",[],[11499],{"type":180,"text":11496,"spans":11500},[],{"col1":11502,"col2":11506,"col3":11510},[11503],{"type":180,"text":11504,"spans":11505},"Wise (JPY ~0.41%)",[],[11507],{"type":180,"text":11508,"spans":11509},"$3,012.30",[],[11511],{"type":180,"text":11508,"spans":11512},[],{"col1":11514,"col2":11518,"col3":11522},[11515],{"type":180,"text":11516,"spans":11517},"Revolut Standard (within S$5K limit)",[],[11519],{"type":180,"text":11520,"spans":11521},"$3,000.00 to $3,015.00",[],[11523],{"type":180,"text":11520,"spans":11524},[],{"col1":11526,"col2":11530,"col3":11534},[11527],{"type":180,"text":11528,"spans":11529},"Amaze + UOB PRVI Pacific (4 mpd)",[],[11531],{"type":180,"text":11532,"spans":11533},"$3,063.00 incl 2.1% spread",[],[11535],{"type":180,"text":11536,"spans":11537},"$2,883.00 (after $180 of miles)",[],"table3$68481825-f440-471a-bd50-eed8c22464a7",{"primary":11540,"items":11548,"id":11549,"slice_type":7941,"slice_label":107},{"text":11541},[11542,11545],{"type":180,"text":11543,"spans":11544},"Pure cost: YouTrip wins. Net of rewards: Amaze wins by $117 if (and only if) you actually redeem the miles at 1.5 c/mile or better. If you do not redeem miles regularly, YouTrip is $63 cheaper than Amaze and just as easy.",[],{"type":171,"text":11546,"spans":11547},"Scenario B: $500 weekend Bangkok trip with $200 cash withdrawal",[],[],"text$2185f6bf-3281-4948-b03b-8e1f132deb65",{"primary":11551,"items":11556,"id":11622,"slice_type":8948,"slice_label":107},{"table_title":11552},[11553],{"type":171,"text":11554,"spans":11555},"$500 spend + $200 ATM, with weekend transactions",[],[11557,11572,11584,11596,11609],{"col1":11558,"col2":11562,"col3":11567},[11559],{"type":180,"text":11477,"spans":11560},[11561],{"start":9,"end":8097,"type":3603},[11563],{"type":180,"text":11564,"spans":11565},"Card spend cost",[11566],{"start":9,"end":10357,"type":3603},[11568],{"type":180,"text":11569,"spans":11570},"ATM cost (excl. operator fee)",[11571],{"start":9,"end":8302,"type":3603},{"col1":11573,"col2":11576,"col3":11580},[11574],{"type":180,"text":11251,"spans":11575},[],[11577],{"type":180,"text":11578,"spans":11579},"$500.00",[],[11581],{"type":180,"text":11582,"spans":11583},"$0.00 (within S$400 free)",[],{"col1":11585,"col2":11588,"col3":11592},[11586],{"type":180,"text":11256,"spans":11587},[],[11589],{"type":180,"text":11590,"spans":11591},"~$502.00 (THB ~0.4%)",[],[11593],{"type":180,"text":11594,"spans":11595},"~$1.75 ($100 free, $100 at 1.75%)",[],{"col1":11597,"col2":11601,"col3":11605},[11598],{"type":180,"text":11599,"spans":11600},"Revolut Standard (with weekend FX)",[],[11602],{"type":180,"text":11603,"spans":11604},"~$505.00 to $510.00 (incl 1% weekend surcharge)",[],[11606],{"type":180,"text":11607,"spans":11608},"$0.00 (within S$350 free)",[],{"col1":11610,"col2":11614,"col3":11618},[11611],{"type":180,"text":11612,"spans":11613},"Amaze + 4 mpd card",[],[11615],{"type":180,"text":11616,"spans":11617},"~$510.50 (2.1% spread); earns ~$30 miles",[],[11619],{"type":180,"text":11620,"spans":11621},"$4.00 (2% on $200)",[],"table3$bc19f64a-ee66-4b5c-87c3-8917b04ae6e5",{"primary":11624,"items":11632,"id":11633,"slice_type":7941,"slice_label":107},{"text":11625},[11626,11629],{"type":180,"text":11627,"spans":11628},"YouTrip wins outright again on small weekend trips. Revolut's weekend surcharge specifically punishes Friday-to-Sunday holiday-mode spending, which is precisely when most leisure travelers actually use the card. Amaze's miles do not quite cover the spread on a small spend.",[],{"type":171,"text":11630,"spans":11631},"Scenario C: $1,200/year of recurring USD subscriptions (Apple One, Netflix, OpenAI, etc.)",[],[],"text$1fc5af35-6ce6-4b4c-8b42-a70f08144e44",{"primary":11635,"items":11640,"id":11703,"slice_type":8948,"slice_label":107},{"table_title":11636},[11637],{"type":171,"text":11638,"spans":11639},"$1,200 of recurring USD subscription spend across 12 months",[],[11641,11656,11667,11679,11691],{"col1":11642,"col2":11646,"col3":11651},[11643],{"type":180,"text":11477,"spans":11644},[11645],{"start":9,"end":8097,"type":3603},[11647],{"type":180,"text":11648,"spans":11649},"Annual FX cost",[11650],{"start":9,"end":5511,"type":3603},[11652],{"type":180,"text":8988,"spans":11653},[11654],{"start":9,"end":11655,"type":3603},5,{"col1":11657,"col2":11660,"col3":11663},[11658],{"type":180,"text":11251,"spans":11659},[],[11661],{"type":180,"text":9023,"spans":11662},[],[11664],{"type":180,"text":11665,"spans":11666},"Pre-load USD wallet, no markup",[],{"col1":11668,"col2":11671,"col3":11675},[11669],{"type":180,"text":11256,"spans":11670},[],[11672],{"type":180,"text":11673,"spans":11674},"$3.00 (0.25% on USD)",[],[11676],{"type":180,"text":11677,"spans":11678},"Cheapest pure-cost option after YouTrip",[],{"col1":11680,"col2":11683,"col3":11687},[11681],{"type":180,"text":11261,"spans":11682},[],[11684],{"type":180,"text":11685,"spans":11686},"$0 to $24",[],[11688],{"type":180,"text":11689,"spans":11690},"Free if all bills hit on weekdays; 1% weekend surcharge if any bill cycles fall on a weekend",[],{"col1":11692,"col2":11695,"col3":11699},[11693],{"type":180,"text":11612,"spans":11694},[],[11696],{"type":180,"text":11697,"spans":11698},"$25.20 (2.1% spread); $72 in miles",[],[11700],{"type":180,"text":11701,"spans":11702},"Net $46.80 positive, but only if MCC qualifies",[],"table3$8427e87b-d3c6-41d4-8065-39b288ee407a",{"primary":11705,"items":11710,"id":11711,"slice_type":7941,"slice_label":107},{"text":11706},[11707],{"type":180,"text":11708,"spans":11709},"For predictable recurring USD spend, Wise and YouTrip are essentially free, Revolut's weekend trap is unpredictable, and Amaze can be net positive but is exposed to MCC risk on subscription merchants (some streaming services have been recategorised in the past). For maximum safety with zero thinking, pre-load USD on YouTrip once a year when SGD is strong.",[],[],"text$53f845b1-7412-4317-b805-1cdaa57287b8",{"primary":11713,"items":11714,"id":11715,"slice_type":8021,"slice_label":107},{},[],"divider$c3e0d3d5-af0b-4c4c-a08f-0743a869445d",{"primary":11717,"items":11759,"id":11760,"slice_type":7941,"slice_label":107},{"text":11718},[11719,11721,11724,11728,11732,11736,11740,11744,11748,11751],{"type":7946,"text":10892,"spans":11720},[],{"type":180,"text":11722,"spans":11723},"Skip the \"best card overall\" framing. Match the card to your actual travel pattern.",[],{"type":4229,"text":11725,"spans":11726},"Occasional traveler ($2K-$5K/year overseas spend, 1-2 trips) - YouTrip. The simplicity and zero markup beats every alternative on cost-per-decision.",[11727],{"start":9,"end":9477,"type":3603},{"type":4229,"text":11729,"spans":11730},"Heavy traveler with disciplined weekday spending ($10K-$30K/year) - Revolut Premium or Metal. The S$15K-unlimited free FX limit, removed weekend surcharge, and Metal cashback compound at this volume.",[11731],{"start":9,"end":8818,"type":3603},{"type":4229,"text":11733,"spans":11734},"Long-stay or expat with multi-currency income - Wise. Holding balances in real currencies and converting at mid-market is the only proper answer.",[11735],{"start":9,"end":10363,"type":3603},{"type":4229,"text":11737,"spans":11738},"Miles chaser who will actually redeem - Amaze plus a 4 mpd card (UOB PRVI Pacific is the popular pick). Net positive only if you redeem miles strategically and accept the MCC risk.",[11739],{"start":9,"end":7315,"type":3603},{"type":4229,"text":11741,"spans":11742},"Recurring USD subscriptions only - YouTrip with a one-time annual USD top-up when the SGD looks strong. Free, predictable, no MCC risk.",[11743],{"start":9,"end":8795,"type":3603},{"type":4229,"text":11745,"spans":11746},"Cash-heavy destination (Japan, Vietnam, Cambodia, rural Indonesia) - YouTrip if you can stay under S$400/month ATM, otherwise pair it with a no-FX-fee credit card for cash advances. Wise is the wrong card here because of the S$100 free ATM cap.",[11747],{"start":9,"end":8464,"type":3603},{"type":180,"text":11749,"spans":11750},"It is also entirely reasonable to hold two of these. A common combination is YouTrip as the daily driver plus Amaze for big ticket bookings where the linked-card miles materially help. The cards are free to issue and free to hold, so the only cost is your wallet space.",[],{"type":180,"text":11752,"spans":11753},"If you spend a lot of time in Johor, the calculation flips again. Most JB merchants accept QR payments via Singapore banking apps that route through PayNow at zero FX fee, so a multi-currency card is often the wrong tool. There are smarter ways to handle a JB day trip without a forex card.",[11754],{"start":11755,"end":11756,"type":5402,"data":11757},232,289,{"link_type":69,"url":11758},"https://divedeals.sg/blog/jb-day-trip-deals-save-money-johor-bahru",[],"text$5db604f5-ecec-4b48-8144-1875dbd9febe",{"id":11762,"uid":11763,"url":107,"type":7846,"href":11764,"tags":11765,"first_publication_date":11766,"last_publication_date":11767,"slugs":11768,"linked_documents":11770,"lang":115,"alternate_languages":11771,"data":11772},"afipmRAAAPzZX7cP","how-to-use-cdc-vouchers-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afipmRAAAPzZX7cP%22%29+%5D%5D",[8751,8752,7851],"2026-05-04T14:18:55+0000","2026-05-04T14:59:27+0000",[11769],"how-to-use-your-cdc-vouchers-in-singapore-2026",[],[],{"title":11773,"seo_title":11777,"seo_meta_description":11781,"featured":16,"expired":16,"noindex":16,"cover_image":11785,"date":11793,"author_link":11794,"body":11797},[11774],{"type":120,"text":11775,"spans":11776,"direction":123},"How to Use Your CDC Vouchers in Singapore (2026)",[],[11778],{"type":120,"text":11779,"spans":11780},"How to Use CDC Vouchers Singapore (2026): $300 Guide",[],[11782],{"type":120,"text":11783,"spans":11784},"How to use your $300 CDC Vouchers in Singapore: where to spend at supermarkets, hawkers and heartland merchants, the FairPrice $6 return trick, and the gotchas that cost you money.",[],{"dimensions":11786,"alt":11789,"copyright":107,"url":11790,"id":11791,"edit":11792},{"width":11787,"height":11788},1641,657,"how to use cdc voucher at ntuc self checkout","https://images.prismic.io/dive/afiqp8BOoF08xlHH_Screenshot2026-05-04at10.18.09PM.png?auto=format,compress","afiqp8BOoF08xlHH",{"x":9,"y":9,"zoom":5194,"background":5195},"2026-05-04",{"id":7880,"type":7881,"tags":11795,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":11796,"isBroken":16},[],"93d12d7b-98bb-47a2-ba35-983f72fd910a",[11798,11815,11878,11882,11922,11980,12032,12137,12183,12262,12302,12347,12365],{"primary":11799,"items":11813,"id":11814,"slice_type":7941,"slice_label":107},{"text":11800},[11801,11804,11807],{"type":180,"text":11802,"spans":11803,"direction":123},"Every Singaporean household has $300 sitting in Singpass right now. It is called the CDC Vouchers 2026 (January) tranche, and it expires on 31 December 2026.",[],{"type":180,"text":11805,"spans":11806,"direction":123},"Most households do claim them. The problem is the spending. Vouchers get used on whatever you happen to buy that week, the \"no change given\" rule quietly forfeits a few dollars per transaction, and almost nobody times their supermarket trip with the return voucher promos.",[],{"type":180,"text":11808,"spans":11809,"direction":123},"This guide answers the actual questions people search before spending their CDC Vouchers: where to use them, how to claim if you are not the household head, the supermarket stacking trick, the foreigner and tenant rules, and the gotchas that quietly cost you $20 to $50 per tranche. All amounts and rules are pulled from the official CDC Vouchers Scheme portal.",[11810],{"start":5687,"end":6623,"type":5402,"data":11811},{"link_type":69,"url":11812,"target":186},"https://vouchers.cdc.gov.sg/residents/info/",[],"text$f915fcbe-9e88-4008-8865-25ef13cfe2fa",{"primary":11816,"items":11876,"id":11877,"slice_type":7941,"slice_label":107},{"text":11817},[11818,11820,11826,11832,11838,11844,11851,11858,11864,11870],{"type":7946,"text":7947,"spans":11819,"direction":123},[],{"type":180,"text":11821,"spans":11822,"direction":123},"1. What is in your CDC Vouchers 2026",[11823],{"start":9,"end":8528,"type":5402,"data":11824},{"link_type":69,"url":11825,"target":186},"#1-what-is-in-your-cdc-vouchers-2026",{"type":180,"text":11827,"spans":11828,"direction":123},"2. Who is eligible (and who is not)",[11829],{"start":9,"end":5400,"type":5402,"data":11830},{"link_type":69,"url":11831,"target":186},"#2-who-is-eligible-and-who-is-not-",{"type":180,"text":11833,"spans":11834,"direction":123},"3. How to claim your CDC Vouchers (step by step)",[11835],{"start":9,"end":7985,"type":5402,"data":11836},{"link_type":69,"url":11837,"target":186},"#3-how-to-claim-your-cdc-vouchers-step-by-step-",{"type":180,"text":11839,"spans":11840,"direction":123},"4. Where to use CDC Vouchers in 2026",[11841],{"start":9,"end":8528,"type":5402,"data":11842},{"link_type":69,"url":11843,"target":186},"#4-where-to-use-cdc-vouchers-in-2026",{"type":180,"text":11845,"spans":11846,"direction":123},"5. The supermarket stacking trick that adds 10% on top",[11847],{"start":9,"end":11848,"type":5402,"data":11849},54,{"link_type":69,"url":11850,"target":186},"#5-the-supermarket-stacking-trick-that-adds-10-on-top",{"type":180,"text":11852,"spans":11853,"direction":123},"6. How to use CDC Vouchers at NTUC self-checkout and the FairPrice app",[11854],{"start":9,"end":11855,"type":5402,"data":11856},70,{"link_type":69,"url":11857,"target":186},"#6-how-to-use-cdc-vouchers-at-ntuc-self-checkout-and-the-fairprice-app",{"type":180,"text":11859,"spans":11860,"direction":123},"7. Can you use CDC Vouchers online?",[11861],{"start":9,"end":5400,"type":5402,"data":11862},{"link_type":69,"url":11863,"target":186},"#7-can-you-use-cdc-vouchers-online-",{"type":180,"text":11865,"spans":11866,"direction":123},"8. The \"no change given\" rule and 7 other gotchas",[11867],{"start":9,"end":8701,"type":5402,"data":11868},{"link_type":69,"url":11869,"target":186},"#8-the-no-change-given-rule-and-7-other-gotchas",{"type":180,"text":11871,"spans":11872,"direction":123},"9. Stacking CDC Vouchers with credit cards for max value",[11873],{"start":9,"end":6960,"type":5402,"data":11874},{"link_type":69,"url":11875,"target":186},"#9-stacking-cdc-vouchers-with-credit-cards-for-max-value",[],"text$15dbdc22-1e7a-4146-9a0e-4ec3da587293",{"primary":11879,"items":11880,"id":11881,"slice_type":8021,"slice_label":107},{},[],"divider$78704cd4-5a65-4d08-8361-fa092658a72d",{"primary":11883,"items":11920,"id":11921,"slice_type":7941,"slice_label":107},{"text":11884},[11885,11887,11890,11893,11897,11901,11905,11910,11914,11917],{"type":7946,"text":11821,"spans":11886},[],{"type":180,"text":11888,"spans":11889},"The CDC Vouchers Scheme is run by the five Community Development Councils (CDCs) and funded by the government to help households with daily expenses. The 2026 tranche was released on 2 January 2026 and runs until 31 December 2026.",[],{"type":180,"text":11891,"spans":11892},"Here is what your household actually gets:",[],{"type":4229,"text":11894,"spans":11895},"$150 supermarket vouchers - usable at NTUC FairPrice, Cold Storage, Giant, Sheng Siong, Prime, U Stars, Scarlett and other participating supermarkets",[11896],{"start":9,"end":6407,"type":3603},{"type":4229,"text":11898,"spans":11899},"$150 hawker and heartland merchant vouchers - usable at participating hawker stalls, coffee shops, heartland shops, salons, optical stores and more",[11900],{"start":9,"end":5453,"type":3603},{"type":4229,"text":11902,"spans":11903},"Total per household - $300, regardless of household size",[11904],{"start":9,"end":7423,"type":3603},{"type":4229,"text":11906,"spans":11907},"Expiry - 31 December 2026 (anything unspent is forfeited, no rollover)",[11908],{"start":9,"end":11909,"type":3603},6,{"type":4229,"text":11911,"spans":11912},"Denominations - $2, $5 and $10 vouchers, you choose how many to apply per transaction",[11913],{"start":9,"end":5703,"type":3603},{"type":180,"text":11915,"spans":11916},"Two important things people get wrong here. The supermarket pile and the hawker pile are separate - you cannot spend supermarket vouchers at the kopitiam, and you cannot pay for groceries with hawker vouchers. And the $300 is per household, not per person, so a 5-person flat and a 1-person flat get the same amount.",[],{"type":180,"text":11918,"spans":11919},"There was also an earlier $500 tranche distributed in May 2025 (split $250 supermarket + $250 hawker), which was the first half of the $800 announced in Budget 2025. If you have not touched that one, check whether it is still active - older tranches typically expired 31 December 2025.",[],[],"text$2028ac1d-a8c0-4830-8a59-039f5e29a2c4",{"primary":11923,"items":11978,"id":11979,"slice_type":7941,"slice_label":107},{"text":11924},[11925,11927,11930,11933,11936,11939,11942,11945,11948,11951,11954,11957,11960,11963,11966,11969,11972,11975],{"type":7946,"text":11827,"spans":11926},[],{"type":180,"text":11928,"spans":11929},"The eligibility rule is simple but constantly misunderstood by foreigners, PRs and tenants. Here is the clean version.",[],{"type":171,"text":11931,"spans":11932},"You ARE eligible if",[],{"type":4229,"text":11934,"spans":11935},"Your household contains at least one Singapore Citizen with a valid residential address in Singapore.",[],{"type":4229,"text":11937,"spans":11938},"You live in an HDB flat, condo, landed home or any registered residential address - housing type does not matter.",[],{"type":4229,"text":11940,"spans":11941},"You are the resident at that address, even if you do not own the place (renter, family member, child).",[],{"type":171,"text":11943,"spans":11944},"You are NOT eligible if",[],{"type":4229,"text":11946,"spans":11947},"Your household contains zero Singapore Citizens (i.e. only PRs, work pass holders, foreigners).",[],{"type":4229,"text":11949,"spans":11950},"You are a foreign tenant living alone or with other foreigners - even if you pay all the rent.",[],{"type":4229,"text":11952,"spans":11953},"You are a Permanent Resident on your own without any Singapore Citizen co-resident.",[],{"type":180,"text":11955,"spans":11956},"The household-vs-individual distinction is the big one. CDC Vouchers belong to the household at that address, not to any specific person. So if a Singapore Citizen lives at an address with a foreign domestic worker and three foreign tenants, the entire household gets one set of $300 vouchers - and that set technically belongs to the Singaporean.",[],{"type":171,"text":11958,"spans":11959},"The landlord vs tenant headache",[],{"type":180,"text":11961,"spans":11962},"This is the question that causes the most arguments on Reddit. If you are a foreign tenant renting from a Singaporean landlord:",[],{"type":4229,"text":11964,"spans":11965},"The vouchers are issued in the landlord's household name (because they are the registered Singaporean at the address).",[],{"type":4229,"text":11967,"spans":11968},"The landlord can legally claim and keep them - it is not theft, it is the rule.",[],{"type":4229,"text":11970,"spans":11971},"In practice, many landlords either share the vouchers with tenants or factor it into the rent. Some don't.",[],{"type":4229,"text":11973,"spans":11974},"If you are a tenant and the landlord lives elsewhere, the landlord can still claim the vouchers tied to that address as long as they are listed as the resident.",[],{"type":180,"text":11976,"spans":11977},"Honestly, this is messy and unfair-feeling for tenants. But until the scheme changes, the vouchers follow the registered Singaporean resident, not whoever physically lives there.",[],[],"text$3bf61b03-7519-41d7-9119-38a3a2b786e9",{"primary":11981,"items":12030,"id":12031,"slice_type":7941,"slice_label":107},{"text":11982},[11983,11985,11988,11991,11997,12000,12003,12006,12009,12012,12015,12018,12021,12024,12027],{"type":7946,"text":11833,"spans":11984},[],{"type":180,"text":11986,"spans":11987},"Claiming takes about 90 seconds if your Singpass is set up. Only one household member needs to do it, and the vouchers cover the entire household.",[],{"type":9316,"text":11989,"spans":11990},"Open Singpass app and log in (or have your password ready for browser login).",[],{"type":9316,"text":11992,"spans":11993},"Go to go.gov.sg/cdcv on your phone or computer.",[11994],{"start":11909,"end":10516,"type":5402,"data":11995},{"link_type":69,"url":11996},"https://go.gov.sg/cdcv",{"type":9316,"text":11998,"spans":11999},"Select \"CDC Vouchers Scheme 2026 (January)\".",[],{"type":9316,"text":12001,"spans":12002},"Log in with Singpass.",[],{"type":9316,"text":12004,"spans":12005},"Confirm your household address and key in your mobile number.",[],{"type":9316,"text":12007,"spans":12008},"You will receive an SMS with a unique voucher link. The link MUST start with https://voucher.redeem.gov.sg/ - if it starts with anything else, do not click it (scam).",[],{"type":9316,"text":12010,"spans":12011},"Open the link, bookmark it on your phone home screen, and you are ready to spend.",[],{"type":171,"text":12013,"spans":12014},"If you do not have Singpass or a smartphone",[],{"type":180,"text":12016,"spans":12017},"Walk into any Community Centre (CC) with your NRIC. CCs are open 10am to 6pm daily (2pm to 6pm for void deck CCs), closed on public holidays. Staff will help you claim and either help you spend digitally or print physical vouchers.",[],{"type":171,"text":12019,"spans":12020},"If you are overseas or bedridden",[],{"type":180,"text":12022,"spans":12023},"You can authorise a non-household member (e.g. a relative, friend, neighbour) to claim on your behalf. They need to bring the original notification letter (if any), a completed Authorisation Form, and supporting documents to a CC. The full hotline number is 6225 5322 if you need help.",[],{"type":171,"text":12025,"spans":12026},"What if someone else in my household already claimed?",[],{"type":180,"text":12028,"spans":12029},"Only one claim per household per tranche. If your spouse, parent or roommate already claimed, the link is in their phone - you cannot re-claim. They will need to forward the SMS link to you, or you spend together.",[],[],"text$d179af61-cf91-436b-b9b1-94c90f7e2b49",{"primary":12033,"items":12135,"id":12136,"slice_type":7941,"slice_label":107},{"text":12034},[12035,12037,12040,12048,12051,12054,12057,12060,12063,12066,12069,12072,12075,12078,12081,12084,12087,12090,12093,12096,12099,12102,12105,12108,12111,12114,12117,12120,12123,12126,12129,12132],{"type":7946,"text":11839,"spans":12036},[],{"type":180,"text":12038,"spans":12039},"The official rule: look for the teal \"CDC Vouchers\" decal at hawker stalls and heartland merchants, and the yellow decal at participating supermarkets. If the merchant has the decal, they accept it.",[],{"type":180,"text":12041,"spans":12042},"To find specific participating merchants near you, use the official directory at gowhere.gov.sg/cdcvouchers - you can filter by district, voucher type (supermarket vs hawker), and search by postal code.",[12043],{"start":12044,"end":12045,"type":5402,"data":12046},81,107,{"link_type":69,"url":12047},"https://www.gowhere.gov.sg/cdcvouchers",{"type":180,"text":12049,"spans":12050},"Here is the practical breakdown of where most households spend.",[],{"type":171,"text":12052,"spans":12053},"Supermarkets that accept CDC Vouchers",[],{"type":4229,"text":12055,"spans":12056},"NTUC FairPrice (and FairPrice Finest, FairPrice Xtra, FairPrice Xpress, Cheers)",[],{"type":4229,"text":12058,"spans":12059},"Cold Storage (and Jasons, Market Place)",[],{"type":4229,"text":12061,"spans":12062},"Giant",[],{"type":4229,"text":12064,"spans":12065},"Sheng Siong",[],{"type":4229,"text":12067,"spans":12068},"Prime Supermarket",[],{"type":4229,"text":12070,"spans":12071},"U Stars Supermarket",[],{"type":4229,"text":12073,"spans":12074},"Scarlett Supermarket",[],{"type":4229,"text":12076,"spans":12077},"Hao Mart, Don Don Donki (selected outlets), Ang Mo Supermart, and most heartland mama shops",[],{"type":180,"text":12079,"spans":12080},"You can use supermarket vouchers across all five CDC districts - you are not restricted to the FairPrice in your own district. So if you live in Tampines but work in Raffles Place, the FairPrice at Marina One accepts the same voucher.",[],{"type":171,"text":12082,"spans":12083},"Hawker centres and coffee shops",[],{"type":180,"text":12085,"spans":12086},"Most NEA-managed hawker centres have a high participation rate, but individual stalls choose whether to accept. The decal is usually stuck on the stall front. The big chains that almost always accept:",[],{"type":4229,"text":12088,"spans":12089},"Kopitiam, Koufu, Food Junction, Food Republic and most coffee shop chains",[],{"type":4229,"text":12091,"spans":12092},"Most hawker stalls in Maxwell, Old Airport Road, Tiong Bahru, Amoy Street, Tekka, Tampines Round Market, Geylang Serai, Toa Payoh and other major hawker centres",[],{"type":4229,"text":12094,"spans":12095},"Coffee shops under Kim San Leng, Broadway, NTUC Foodfare and similar groups",[],{"type":180,"text":12097,"spans":12098},"If a hawker stall says they don't accept it, that is their personal choice - the scheme is opt-in for individual stallholders.",[],{"type":171,"text":12100,"spans":12101},"Heartland merchants",[],{"type":180,"text":12103,"spans":12104},"This is where the hawker/heartland $150 stretches further than people realise. You can use it at:",[],{"type":4229,"text":12106,"spans":12107},"Hair salons, barbers and budget hair studios",[],{"type":4229,"text":12109,"spans":12110},"Optical shops (specs, contact lens top-ups)",[],{"type":4229,"text":12112,"spans":12113},"Provision shops, mama shops and minimarts",[],{"type":4229,"text":12115,"spans":12116},"Bakeries, cake shops and traditional kueh stalls",[],{"type":4229,"text":12118,"spans":12119},"TCM clinics and reflexology shops",[],{"type":4229,"text":12121,"spans":12122},"Tailoring and alteration shops",[],{"type":4229,"text":12124,"spans":12125},"Watch repair, key cutting and shoe repair",[],{"type":4229,"text":12127,"spans":12128},"Florists and gift shops",[],{"type":4229,"text":12130,"spans":12131},"Selected pharmacies (Watsons and Guardian only at participating heartland branches - check the gowhere directory before assuming)",[],{"type":180,"text":12133,"spans":12134},"A common mistake is using all $150 of hawker vouchers on food. The smarter move is to set aside $30 to $60 of it for a haircut or new specs - things you would have paid cash for anyway.",[],[],"text$488186f2-01bd-4d18-8da9-50c920a6f2fc",{"primary":12138,"items":12181,"id":12182,"slice_type":7941,"slice_label":107},{"text":12139},[12140,12142,12145,12149,12153,12157,12161,12164,12167,12171,12175,12178],{"type":7946,"text":11845,"spans":12141,"direction":123},[],{"type":180,"text":12143,"spans":12144,"direction":123},"Every CDC Vouchers tranche, the major supermarkets run \"return voucher\" promos that effectively give you 10% back when you spend the CDC vouchers in one go. Almost nobody plans for this. Here is the typical pattern that recurred across the 2024, 2025 and 2026 (January) tranches:",[],{"type":4229,"text":12146,"spans":12147,"direction":123},"NTUC FairPrice - spend $60 of CDC Vouchers in one transaction, get a $6 FairPrice return voucher (10% back). Return voucher usually valid for about 6 weeks after the promo ends.",[12148],{"start":9,"end":5511,"type":3603},{"type":4229,"text":12150,"spans":12151,"direction":123},"Cold Storage and Giant - spend $60 of CDC Vouchers, get a $6 return voucher PLUS 600 yuu Points (worth ~$3 or 166 miles) for yuu app members. Total return: roughly 15%.",[12152],{"start":9,"end":8794,"type":3603},{"type":4229,"text":12154,"spans":12155,"direction":123},"Prime Supermarket - spend $80, get a $5 return voucher (about 6.25% back).",[12156],{"start":9,"end":3602,"type":3603},{"type":4229,"text":12158,"spans":12159,"direction":123},"Sheng Siong - typically does not run return-voucher promos but offers Sheng Siong Members Day discounts that can be combined with CDC vouchers if your trip falls on the right day.",[12160],{"start":9,"end":5452,"type":3603},{"type":180,"text":12162,"spans":12163,"direction":123},"The trick: do not chip away at your $150 supermarket vouchers across small weekly trips. Instead, save them for one big bulk shop that hits the $60 minimum spend during a return-voucher promo window.",[],{"type":180,"text":12165,"spans":12166,"direction":123},"Check the live promo before your trip. The promos rotate every tranche and the spend windows are usually only 2-3 weeks long. Three places that track this reliably:",[],{"type":4229,"text":12168,"spans":12169,"direction":123},"The supermarkets' own promo pages - fairprice.com.sg, coldstorage.com.sg and giant.sg show return-voucher banners on the homepage when active.",[12170],{"start":9,"end":8664,"type":3603},{"type":4229,"text":12172,"spans":12173,"direction":123},"r/singapore - the community thread within 24 hours of voucher release usually surfaces all the active promos.",[12174],{"start":9,"end":5452,"type":3603},{"type":180,"text":12176,"spans":12177,"direction":123},"A worked example: bulk shop $120 worth of groceries during a FairPrice promo. Pay $120 with CDC vouchers (no cash spent). Receive two $6 return vouchers (or one if the cap is per transaction). Use the $6 returns within their validity window on a subsequent shop. Real spending power: $120 + $12 = $132.",[],{"type":180,"text":12179,"spans":12180,"direction":123},"Honestly, the return-voucher trick is the single biggest extra value most households leave on the table.",[],[],"text$6b519ab9-7b58-4a7d-80df-3788c4bfed08",{"primary":12184,"items":12260,"id":12261,"slice_type":7941,"slice_label":107},{"text":12185},[12186,12188,12191,12194,12197,12200,12203,12206,12209,12212,12215,12218,12221,12224,12227,12230,12233,12236,12239,12242,12245,12248,12251,12254,12257],{"type":7946,"text":11852,"spans":12187},[],{"type":180,"text":12189,"spans":12190},"CDC vouchers are stored as a unique URL on your phone. There is no app to download. Here is how the actual transaction works at each common scenario.",[],{"type":171,"text":12192,"spans":12193},"At a hawker stall or heartland merchant",[],{"type":9316,"text":12195,"spans":12196},"Open your CDC Voucher link on your phone (saved from the SMS).",[],{"type":9316,"text":12198,"spans":12199},"Show the merchant your screen.",[],{"type":9316,"text":12201,"spans":12202},"They scan the QR code displayed in your link using their merchant app, OR they enter the redemption amount manually.",[],{"type":9316,"text":12204,"spans":12205},"Confirm the deduction on your phone.",[],{"type":9316,"text":12207,"spans":12208},"Done. The merchant receives the voucher value, you keep any unused balance.",[],{"type":171,"text":12210,"spans":12211},"At NTUC FairPrice manned cashier",[],{"type":9316,"text":12213,"spans":12214},"Tell the cashier you want to pay with CDC vouchers BEFORE they ring up your items (so they can apply it correctly).",[],{"type":9316,"text":12216,"spans":12217},"Open your voucher link on your phone.",[],{"type":9316,"text":12219,"spans":12220},"Show the cashier your QR code - they scan it.",[],{"type":9316,"text":12222,"spans":12223},"They will deduct the exact bill amount up to your remaining voucher balance.",[],{"type":9316,"text":12225,"spans":12226},"If your bill is more than your voucher balance, pay the rest with cash, PayLah, NETS or credit card.",[],{"type":171,"text":12228,"spans":12229},"At NTUC FairPrice self-checkout",[],{"type":9316,"text":12231,"spans":12232},"Scan all your items as usual.",[],{"type":9316,"text":12234,"spans":12235},"At payment, look for \"CDC/SG60 Vouchers\" as a payment method (it is usually the first option on the screen).",[],{"type":9316,"text":12237,"spans":12238},"Tap it and a QR scanner activates on the self-checkout screen.",[],{"type":9316,"text":12240,"spans":12241},"Open your voucher link on your phone, show the QR code to the scanner.",[],{"type":9316,"text":12243,"spans":12244},"The system deducts up to your voucher balance, then shows the remaining amount.",[],{"type":9316,"text":12246,"spans":12247},"Pay the rest with another method or scan another voucher.",[],{"type":180,"text":12249,"spans":12250},"The self-checkout flow is faster than the manned cashier and lets you split the bill across multiple vouchers without the cashier needing to do it manually.",[],{"type":171,"text":12252,"spans":12253},"In the FairPrice app for delivery / online groceries",[],{"type":180,"text":12255,"spans":12256},"You CANNOT use CDC vouchers in the FairPrice app for delivery or click-and-collect orders. The FairPrice app is online; CDC vouchers are physical-store only as of the 2026 (January) tranche. Same restriction applies to RedMart, Cold Storage online and the Giant app.",[],{"type":180,"text":12258,"spans":12259},"The exception is in-store self-checkout, which is technically still a physical store transaction. The \"FairPrice app\" people search for here is actually the in-store payment flow on self-checkout, which is what we covered above.",[],[],"text$eda30a9a-24a4-4a4d-8e62-dbe0c26fb209",{"primary":12263,"items":12300,"id":12301,"slice_type":7941,"slice_label":107},{"text":12264},[12265,12267,12270,12273,12276,12279,12282,12285,12288,12291,12294,12297],{"type":7946,"text":11859,"spans":12266},[],{"type":180,"text":12268,"spans":12269},"Short answer: no, not as of the 2026 (January) tranche.",[],{"type":180,"text":12271,"spans":12272},"CDC Vouchers are designed for in-person redemption. The merchant must scan your QR code in real time, or enter the redemption amount on their merchant app. Online stores cannot do this in the checkout flow.",[],{"type":180,"text":12274,"spans":12275},"That means you cannot use CDC vouchers for:",[],{"type":4229,"text":12277,"spans":12278},"FairPrice online delivery or click-and-collect",[],{"type":4229,"text":12280,"spans":12281},"RedMart, Lazada Mart, Shopee Supermarket",[],{"type":4229,"text":12283,"spans":12284},"Giant or Cold Storage delivery",[],{"type":4229,"text":12286,"spans":12287},"GrabMart, Foodpanda, Deliveroo, Pickupp",[],{"type":4229,"text":12289,"spans":12290},"Watsons or Guardian online stores",[],{"type":4229,"text":12292,"spans":12293},"Any online food delivery or e-commerce platform",[],{"type":180,"text":12295,"spans":12296},"If you want grocery delivery, the workaround is to buy a physical FairPrice gift voucher with your CDC vouchers in-store, then redeem the gift voucher online. But that is fiddly and most people do not bother.",[],{"type":180,"text":12298,"spans":12299},"The simpler move: use CDC vouchers for in-store bulk shopping, and use credit-card-funded apps (with their own promos) for delivery.",[],[],"text$0470a1fd-c29f-4dff-b6de-89e5c004d0ee",{"primary":12303,"items":12345,"id":12346,"slice_type":7941,"slice_label":107},{"text":12304},[12305,12307,12310,12314,12318,12322,12326,12330,12334,12338,12342],{"type":7946,"text":11865,"spans":12306},[],{"type":180,"text":12308,"spans":12309},"These are the rules that quietly cost households $20 to $50 per tranche. None of them are well-explained on the official site.",[],{"type":4229,"text":12311,"spans":12312},"\"No change given\" is the big one - if your purchase is $8 and you tap a $10 voucher, the merchant takes the full $10. You forfeit $2. Always pay the closest amount using a combination of $2, $5 and $10 vouchers, then top up the difference with cash, PayLah or card.",[12313],{"start":9,"end":8795,"type":3603},{"type":4229,"text":12315,"spans":12316},"Vouchers cannot be transferred or shared - the link is tied to your household. You cannot forward it to a friend or sell it. Members of your household can spend together by all sharing the same link though.",[12317],{"start":9,"end":7433,"type":3603},{"type":4229,"text":12319,"spans":12320},"Cannot be used for restricted items - alcohol, cigarettes, lottery tickets, infant milk powder (in some return-voucher promos), petrol and diesel are excluded. The cashier system blocks these automatically.",[12321],{"start":9,"end":5400,"type":3603},{"type":4229,"text":12323,"spans":12324},"Hawker vouchers and supermarket vouchers do not interchange - your $150 supermarket voucher cannot be spent at the hawker stall, and vice versa.",[12325],{"start":9,"end":8411,"type":3603},{"type":4229,"text":12327,"spans":12328},"No partial refund if you return an item - if you bought groceries with CDC vouchers and want to return one item, the supermarket usually refunds the value back to your voucher balance, not as cash. Check the store policy before returning.",[12329],{"start":9,"end":8312,"type":3603},{"type":4229,"text":12331,"spans":12332},"Forgetting to claim before expiry - the 2026 (January) tranche must be claimed AND spent by 31 December 2026. Unclaimed and unspent vouchers are forfeited (the money does not roll over to the next tranche).",[12333],{"start":9,"end":8664,"type":3603},{"type":4229,"text":12335,"spans":12336},"Phishing SMS scams - any voucher link that does not start with https://voucher.redeem.gov.sg/ is a scam. Real CDC voucher SMS comes from \"gov.sg\" or \"RedeemSG\" sender IDs.",[12337],{"start":9,"end":9667,"type":3603},{"type":4229,"text":12339,"spans":12340},"Splitting one big shop across two stores - if FairPrice is running a $60 spend = $6 return voucher promo and you split your $80 shop across FairPrice ($30) and Sheng Siong ($50), you miss the $6 return. Combine into one shop at the promo store.",[12341],{"start":9,"end":7433,"type":3603},{"type":180,"text":12343,"spans":12344},"The \"no change\" rule is honestly the dumbest design choice in the scheme. Just plan around it.",[],[],"text$1867ce47-f9c8-4c80-9fcc-a5135b7d1cd7",{"primary":12348,"items":12363,"id":12364,"slice_type":7941,"slice_label":107},{"text":12349},[12350,12352,12355],{"type":7946,"text":11871,"spans":12351,"direction":123},[],{"type":180,"text":12353,"spans":12354,"direction":123},"CDC vouchers cover the first chunk of your bill. Your credit card covers the rest. The cards that earn the most cashback or points on the residual amount:",[],{"type":180,"text":12356,"spans":12357,"direction":123},"For credit card sign-up promos that pair well with this stack, see our guide to the best credit card sign-up promotions in Singapore.",[12358],{"start":12359,"end":12360,"type":5402,"data":12361},84,132,{"link_type":69,"url":12362,"target":186},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore",[],"text$eec096a1-3562-4c33-8f6a-59cbcf2e00ed",{"primary":12366,"items":12378,"id":12379,"slice_type":7941,"slice_label":107},{"text":12367},[12368],{"type":180,"text":12369,"spans":12370,"direction":123},"If you found this useful, you might also want to read our guides to the new $400 Climate Voucher and the SG Culture Pass - both are free government money most households haven't fully claimed.",[12371,12374],{"start":8837,"end":12372,"type":5402,"data":12373},96,{"link_type":69,"url":9501,"target":186},{"start":12375,"end":12376,"type":5402,"data":12377},105,120,{"link_type":69,"url":9509,"target":186},[],"text$062ba63e-1210-42e2-8e4d-0ac0561faed1",{"id":12381,"uid":12382,"url":107,"type":7846,"href":12383,"tags":12384,"first_publication_date":12385,"last_publication_date":12385,"slugs":12386,"linked_documents":12388,"lang":115,"alternate_languages":12389,"data":12390},"afqvmhAAACIAYyNT","workfare-income-supplement-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afqvmhAAACIAYyNT%22%29+%5D%5D",[8751,8752,7851],"2026-05-06T03:25:01+0000",[12387],"workfare-income-supplement-2026-singapore-up-to-4900-a-year-for-employees-self-employed-and-platform-workers",[],[],{"title":12391,"seo_title":12395,"seo_meta_description":12399,"featured":16,"expired":16,"noindex":16,"cover_image":12403,"date":7878,"author_link":12411,"body":12414},[12392],{"type":120,"text":12393,"spans":12394},"Workfare Income Supplement 2026 Singapore: Up to $4,900 a Year for Employees, Self-Employed and Platform Workers",[],[12396],{"type":120,"text":12397,"spans":12398},"Workfare Income Supplement 2026 Singapore: Full Guide",[],[12400],{"type":120,"text":12401,"spans":12402},"Workfare 2026 Singapore: up to $4,900/year for employees, $3,267 for self-employed and platform workers. Eligibility, payout dates, calculator and how to claim.",[],{"dimensions":12404,"alt":12407,"copyright":107,"url":12408,"id":12409,"edit":12410},{"width":12405,"height":12406},1433,715,"workfare vs gstv vs majulah","https://images.prismic.io/dive/afq0cMBOoF08xpf2_Screenshot2026-05-06at11.24.26AM.png?auto=format,compress","afq0cMBOoF08xpf2",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":12412,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":12413,"isBroken":16},[],"459f83c1-026f-4e65-b185-fba42bbfe370",[12415,12426,12483,12487,12543,12553,12625,12659,12669,12736,12770,12816,12826,12899,12919,12977,12987,13070,13112],{"primary":12416,"items":12424,"id":12425,"slice_type":7941,"slice_label":107},{"text":12417},[12418,12421],{"type":180,"text":12419,"spans":12420,"direction":123},"Workfare Income Supplement (WIS) is the Singapore Government's wage top-up for lower-income workers. Introduced in 2007, it has paid out more than $12.9 billion to 1.13 million workers as of February 2026 (CPF Board figures).",[],{"type":180,"text":12422,"spans":12423,"direction":123},"In 2026 the maximum payout is $4,900/year for employees aged 60+ in the lowest income tier, $3,267/year for self-employed persons (SEPs), and $3,267/year for platform workers (Grab, Foodpanda, Deliveroo, etc). Crucially: employees and platform workers now receive WIS monthly, while SEPs still get it once a year after declaring income to IRAS.",[],[],"text$199644a0-6124-4258-84a2-cfe881a7b712",{"primary":12427,"items":12481,"id":12482,"slice_type":7941,"slice_label":107},{"text":12428},[12429,12431,12437,12444,12450,12456,12462,12468,12475],{"type":7946,"text":7947,"spans":12430},[],{"type":180,"text":12432,"spans":12433},"1. What Workfare is and who qualifies in 2026",[12434],{"start":9,"end":10363,"type":5402,"data":12435},{"link_type":69,"url":12436},"#1-what-workfare-is-and-who-qualifies-in-2026",{"type":180,"text":12438,"spans":12439},"2. Workfare for employees: up to $4,900/year (40% cash, 60% CPF)",[12440],{"start":9,"end":12441,"type":5402,"data":12442},64,{"link_type":69,"url":12443},"#2-workfare-for-employees-up-to-4-900-year-40-cash-60-cpf-",{"type":180,"text":12445,"spans":12446},"3. Workfare for self-employed: up to $3,267/year (10% cash, 90% MediSave)",[12447],{"start":9,"end":9478,"type":5402,"data":12448},{"link_type":69,"url":12449},"#3-workfare-for-self-employed-up-to-3-267-year-10-cash-90-medisave-",{"type":180,"text":12451,"spans":12452},"4. Workfare for platform workers: monthly payouts from 2025, equalised by 2029",[12453],{"start":9,"end":9498,"type":5402,"data":12454},{"link_type":69,"url":12455},"#4-workfare-for-platform-workers-monthly-payouts-from-2025-equalised-by-2029",{"type":180,"text":12457,"spans":12458},"5. Workfare 2026 payout schedule and PayNow vs GovCash",[12459],{"start":9,"end":11848,"type":5402,"data":12460},{"link_type":69,"url":12461},"#5-workfare-2026-payout-schedule-and-paynow-vs-govcash",{"type":180,"text":12463,"spans":12464},"6. The income, AV and property catches that disqualify you",[12465],{"start":9,"end":8040,"type":5402,"data":12466},{"link_type":69,"url":12467},"#6-the-income-av-and-property-catches-that-disqualify-you",{"type":180,"text":12469,"spans":12470},"7. How Workfare stacks with GSTV, Majulah, Assurance Package and CDC Vouchers",[12471],{"start":9,"end":12472,"type":5402,"data":12473},77,{"link_type":69,"url":12474},"#7-how-workfare-stacks-with-gstv-majulah-assurance-package-and-cdc-vouchers",{"type":180,"text":12476,"spans":12477},"8. Action checklist: claim, calculate, contest",[12478],{"start":9,"end":8482,"type":5402,"data":12479},{"link_type":69,"url":12480},"#8-action-checklist-claim-calculate-contest",[],"text$03e7bf01-8402-49e3-826d-1acd74d900cb",{"primary":12484,"items":12485,"id":12486,"slice_type":8021,"slice_label":107},{},[],"divider$d57b3899-093e-46e7-b8d4-2202d71f6ff1",{"primary":12488,"items":12541,"id":12542,"slice_type":7941,"slice_label":107},{"text":12489},[12490,12492,12495,12499,12503,12507,12512,12516,12520,12523,12526,12530,12534,12538],{"type":7946,"text":12432,"spans":12491,"direction":123},[],{"type":180,"text":12493,"spans":12494,"direction":123},"Workfare has three eligibility shells depending on what kind of worker you are. The shared baseline:",[],{"type":4229,"text":12496,"spans":12497,"direction":123},"Singapore Citizen - PRs do not qualify",[12498],{"start":9,"end":3602,"type":3603},{"type":4229,"text":12500,"spans":12501,"direction":123},"Aged 30 or older as of 31 December of the work year - or a person with disabilities (PWD) of any age",[12502],{"start":9,"end":5401,"type":3603},{"type":4229,"text":12504,"spans":12505,"direction":123},"Earning between $500 and $3,000/month gross (raised from $2,500 in Work Year 2024) - Workers earning below the usual $500 monthly income floor may still qualify for concessionary WIS if they fall into specific support groups.",[12506],{"start":9,"end":10770,"type":3603},{"type":4229,"text":12508,"spans":12509,"direction":123},"Annual Value (AV) of your home is $21,000 or below as at 31 December of preceding year - this is more restrictive than GSTV ($31,000)",[12510],{"start":9,"end":12511,"type":3603},86,{"type":4229,"text":12513,"spans":12514,"direction":123},"You own no more than 1 property - includes HDB, private and non-residential",[12515],{"start":9,"end":8469,"type":3603},{"type":4229,"text":12517,"spans":12518,"direction":123},"If married: you and your spouse together own no more than 1 property AND your spouse's assessable income is $70,000 or less for the preceding YA",[12519],{"start":9,"end":5452,"type":3603},{"type":171,"text":12521,"spans":12522,"direction":123},"Concessionary WIS (no income floor)",[],{"type":180,"text":12524,"spans":12525,"direction":123},"The $500/month income floor is waived for three groups - they qualify for $400/year flat-rate concessionary WIS even with zero income:",[],{"type":4229,"text":12527,"spans":12528,"direction":123},"Persons with disabilities (PWDs)",[12529],{"start":9,"end":8795,"type":3603},{"type":4229,"text":12531,"spans":12532,"direction":123},"Workers receiving ComCare Short-to-Medium-Term Assistance (STMA)",[12533],{"start":9,"end":12441,"type":3603},{"type":4229,"text":12535,"spans":12536,"direction":123},"Caregivers of care recipients - typically those residing with someone medically certified to have permanent moderate-to-severe disabilities",[12537],{"start":9,"end":8302,"type":3603},{"type":180,"text":12539,"spans":12540,"direction":123},"This is the same concessionary tier that exists in the Majulah Package Earn and Save Bonus - same three groups, same logic.",[],[],"text$adee5543-93b3-4df5-bb83-d7af65fbbd83",{"primary":12544,"items":12551,"id":12552,"slice_type":7941,"slice_label":107},{"text":12545},[12546,12548],{"type":7946,"text":12438,"spans":12547,"direction":123},[],{"type":180,"text":12549,"spans":12550,"direction":123},"Employees receive the highest WIS rates, paid monthly, with 40% in cash and 60% in CPF contributions. The 2026 amounts (for Work Year 2025 work, paid in 2026) bumped up significantly from Work Year 2024:",[],[],"text$f3f5c9b6-812c-4459-9333-891b889f5196",{"primary":12554,"items":12559,"id":12624,"slice_type":8948,"slice_label":107},{"table_title":12555},[12556],{"type":171,"text":12557,"spans":12558},"Employee WIS: maximum annual payout by age",[],[12560,12573,12586,12599,12612],{"col1":12561,"col2":12565,"col3":12569},[12562],{"type":180,"text":12563,"spans":12564},"Age band",[],[12566],{"type":180,"text":12567,"spans":12568},"Work Year 2024 (paid in 2025)",[],[12570],{"type":180,"text":12571,"spans":12572},"Work Year 2025 (paid in 2026)",[],{"col1":12574,"col2":12578,"col3":12582},[12575],{"type":180,"text":12576,"spans":12577},"30-34",[],[12579],{"type":180,"text":12580,"spans":12581},"$2,100",[],[12583],{"type":180,"text":12584,"spans":12585},"$2,450",[],{"col1":12587,"col2":12591,"col3":12595},[12588],{"type":180,"text":12589,"spans":12590},"35-44",[],[12592],{"type":180,"text":12593,"spans":12594},"$3,000",[],[12596],{"type":180,"text":12597,"spans":12598},"$3,500",[],{"col1":12600,"col2":12604,"col3":12608},[12601],{"type":180,"text":12602,"spans":12603},"45-59",[],[12605],{"type":180,"text":12606,"spans":12607},"$3,600",[],[12609],{"type":180,"text":12610,"spans":12611},"$4,200",[],{"col1":12613,"col2":12617,"col3":12620},[12614],{"type":180,"text":12615,"spans":12616},"60 and above (or PWD)",[],[12618],{"type":180,"text":12610,"spans":12619},[],[12621],{"type":180,"text":12622,"spans":12623},"$4,900",[],"table3$1e5c74af-86ad-4725-b2b0-b937c58e63bc",{"primary":12626,"items":12657,"id":12658,"slice_type":7941,"slice_label":107},{"text":12627},[12628,12631,12635,12639,12642,12645,12648,12654],{"type":180,"text":12629,"spans":12630,"direction":123},"Two important nuances:",[],{"type":4229,"text":12632,"spans":12633,"direction":123},"These are MAXIMUM amounts - actual payout depends on your income and how many months you work. A 60-year-old who earns $1,000/month for 6 months won't hit $4,900",[12634],{"start":9,"end":6407,"type":3603},{"type":4229,"text":12636,"spans":12637,"direction":123},"Cash split: 40% lands in your bank account (PayNow-NRIC if linked, otherwise the bank you registered with CPF, or GovCash). The other 60% goes into your CPF Ordinary, Special and MediSave accounts in standard allocation ratios",[12638],{"start":9,"end":5452,"type":3603},{"type":171,"text":12640,"spans":12641,"direction":123},"No action needed if you're a CPF-contributing employee",[],{"type":180,"text":12643,"spans":12644,"direction":123},"Your eligibility is automatically assessed every month based on the CPF contributions your employer makes. If your employer is not contributing CPF on your behalf, two steps:",[],{"type":9316,"text":12646,"spans":12647,"direction":123},"Approach your employer first to clarify the discrepancy.",[],{"type":9316,"text":12649,"spans":12650,"direction":123},"If they don't respond satisfactorily, lodge a report with CPF Board via the official enquiry form on cpf.gov.sg or call the CPF hotline at 1800 227 1188.",[12651],{"start":8837,"end":10841,"type":5402,"data":12652},{"link_type":69,"url":12653,"target":186},"https://www.cpf.gov.sg/service/contact-us",{"type":180,"text":12655,"spans":12656,"direction":123},"CPF Board takes employer non-contribution seriously - CPF will pursue back-contributions on your behalf, retroactively triggering any WIS you missed.",[],[],"text$ab2130e9-87b0-4c1d-9053-3c09768ff7d5",{"primary":12660,"items":12667,"id":12668,"slice_type":7941,"slice_label":107},{"text":12661},[12662,12664],{"type":7946,"text":12445,"spans":12663},[],{"type":180,"text":12665,"spans":12666},"Self-employed persons (SEPs) - hawkers, freelancers, sole proprietors, taxi drivers operating their own vehicle - receive Workfare on a different schedule and split. Annual lump sum, not monthly. 10% in cash, 90% in MediSave.",[],[],"text$020ca829-a42e-49ff-8830-8dc401e98cba",{"primary":12670,"items":12675,"id":12735,"slice_type":8948,"slice_label":107},{"table_title":12671},[12672],{"type":171,"text":12673,"spans":12674},"Self-Employed WIS: maximum annual payout by age",[],[12676,12688,12700,12712,12724],{"col1":12677,"col2":12680,"col3":12684},[12678],{"type":180,"text":12563,"spans":12679},[],[12681],{"type":180,"text":12682,"spans":12683},"Work Year 2024 (paid 2025)",[],[12685],{"type":180,"text":12686,"spans":12687},"Work Year 2025 (paid 2026)",[],{"col1":12689,"col2":12692,"col3":12696},[12690],{"type":180,"text":12576,"spans":12691},[],[12693],{"type":180,"text":12694,"spans":12695},"$1,400",[],[12697],{"type":180,"text":12698,"spans":12699},"$1,633",[],{"col1":12701,"col2":12704,"col3":12708},[12702],{"type":180,"text":12589,"spans":12703},[],[12705],{"type":180,"text":12706,"spans":12707},"$2,000",[],[12709],{"type":180,"text":12710,"spans":12711},"$2,333",[],{"col1":12713,"col2":12716,"col3":12720},[12714],{"type":180,"text":12602,"spans":12715},[],[12717],{"type":180,"text":12718,"spans":12719},"$2,400",[],[12721],{"type":180,"text":12722,"spans":12723},"$2,800",[],{"col1":12725,"col2":12728,"col3":12731},[12726],{"type":180,"text":12615,"spans":12727},[],[12729],{"type":180,"text":12722,"spans":12730},[],[12732],{"type":180,"text":12733,"spans":12734},"$3,267",[],"table3$33232937-03b6-4217-92f5-191301fcac7a",{"primary":12737,"items":12768,"id":12769,"slice_type":7941,"slice_label":107},{"text":12738},[12739,12742,12745,12748,12756,12759,12762,12765],{"type":180,"text":12740,"spans":12741},"Why SEP rates are lower: the policy logic is that SEPs already get the cash equivalent of employer CPF contributions through their own pricing. WIS for SEPs is calibrated to match what an employee would receive after netting out the \"employer share\" CPF contribution.",[],{"type":171,"text":12743,"spans":12744},"Two things SEPs must do (or no WIS)",[],{"type":180,"text":12746,"spans":12747},"Unlike employees, SEPs need to actively complete two steps before payout:",[],{"type":9316,"text":12749,"spans":12750},"Declare your Net Trade Income (NTI) to IRAS by filing a tax return. Filing window: 1 March to 18 April of the following Work Year. If your NTI is below $6,000 and total income below $22,000 (no IRAS notification received), you can still e-File via myTax Portal until 31 October.",[12751],{"start":12752,"end":12753,"type":5402,"data":12754},248,260,{"link_type":69,"url":12755},"https://mytax.iras.gov.sg/",{"type":9316,"text":12757,"spans":12758},"Pay your full MediSave contribution based on your declared NTI. The amount is calculated by CPF Board from your IRAS-assessed NTI - check your liability via the WIS e-services on cpf.gov.sg.",[],{"type":180,"text":12760,"spans":12761},"Key timing: if both steps are done by 31 March, you get WIS by end April of the following Work Year (e.g. complete by 31 March 2026 → WIS by end April 2026). Miss the deadline and you'll get WIS within 2 months of completing your MediSave contribution - so paying late directly delays your payout.",[],{"type":171,"text":12763,"spans":12764},"What if your NTI is below $6,000?",[],{"type":180,"text":12766,"spans":12767},"You're not required to pay MediSave under the Self-Employed Scheme (SES). BUT to qualify for WIS you must voluntarily make the MediSave contribution within 2 years of the work year. Many low-income SEPs miss WIS purely because they didn't realise this voluntary contribution was the trigger.",[],[],"text$3db58b6a-4d6c-4720-b49d-db4e1f6662e7",{"primary":12771,"items":12814,"id":12815,"slice_type":7941,"slice_label":107},{"text":12772},[12773,12775,12778,12781,12784,12787,12791,12795,12799,12802,12805,12808,12811],{"type":7946,"text":12451,"spans":12774},[],{"type":180,"text":12776,"spans":12777},"Platform workers - Grab, Foodpanda, Deliveroo, Lalamove, Gojek drivers and riders - had a major regime change from 2025. Here's what changed and what it means in 2026:",[],{"type":171,"text":12779,"spans":12780},"From 2025: monthly WIS via platform CPF deductions",[],{"type":180,"text":12782,"spans":12783},"Previously, platform workers were treated as SEPs and waited until the following year for a single annual payout. From 2025, eligible platform workers receive WIS monthly because platform operators (Grab, Foodpanda, etc) now deduct CPF contributions and submit them to CPF Board every month - same mechanism as employees.",[],{"type":180,"text":12785,"spans":12786},"Schedule and split (2025 to 2028):",[],{"type":4229,"text":12788,"spans":12789},"Maximum amounts: same as SEPs ($1,633 to $3,267 by age) for now",[12790],{"start":9,"end":6275,"type":3603},{"type":4229,"text":12792,"spans":12793},"Cash split: 10% cash, 90% MediSave - still on SEP-style allocation",[12794],{"start":9,"end":8416,"type":3603},{"type":4229,"text":12796,"spans":12797},"Frequency: monthly, end of month (x+2) for work done in month x",[12798],{"start":9,"end":3601,"type":3603},{"type":171,"text":12800,"spans":12801},"From 2029: equalised with employees IF you opt in",[],{"type":180,"text":12803,"spans":12804},"From 2029, platform workers who are mandated or opt in to the increased CPF contributions will receive WIS at the SAME level as employees - up to $4,900/year for the 60+ age band. This is a significant uplift (from $3,267 → $4,900 = +$1,633/year).",[],{"type":180,"text":12806,"spans":12807},"Workers who don't opt in stay on the SEP rate. The opt-in trade-off: higher CPF deductions from your gross now, in exchange for higher CPF/MediSave balances and higher WIS later. For older platform workers close to retirement, opting in usually pencils out.",[],{"type":171,"text":12809,"spans":12810},"What if your platform isn't deducting CPF?",[],{"type":180,"text":12812,"spans":12813},"Same recourse as employees: clarify with the platform operator first, then lodge a report with CPF Board if no response. Platform CPF compliance is a new area being actively enforced - CPF Board has the same back-contribution powers it has for traditional employers.",[],[],"text$8f5653b1-c04e-461e-ace2-87fae85f47de",{"primary":12817,"items":12824,"id":12825,"slice_type":7941,"slice_label":107},{"text":12818},[12819,12821],{"type":7946,"text":12457,"spans":12820},[],{"type":180,"text":12822,"spans":12823},"Workfare follows a predictable monthly schedule for employees and platform workers, with PayNow-NRIC delivering payments roughly 2 weeks faster than GovCash:",[],[],"text$ab5351a0-793d-4783-8108-4bbc81e73a02",{"primary":12827,"items":12832,"id":12898,"slice_type":8948,"slice_label":107},{"table_title":12828},[12829],{"type":171,"text":12830,"spans":12831},"Monthly Workfare schedule (employees and platform workers)",[],[12833,12846,12859,12872,12885],{"col1":12834,"col2":12838,"col3":12842},[12835],{"type":180,"text":12836,"spans":12837},"Work done in",[],[12839],{"type":180,"text":12840,"spans":12841},"PayNow-NRIC / Bank crediting",[],[12843],{"type":180,"text":12844,"spans":12845},"GovCash (no PayNow linked)",[],{"col1":12847,"col2":12851,"col3":12855},[12848],{"type":180,"text":12849,"spans":12850},"January",[],[12852],{"type":180,"text":12853,"spans":12854},"End March",[],[12856],{"type":180,"text":12857,"spans":12858},"1st week of April",[],{"col1":12860,"col2":12864,"col3":12868},[12861],{"type":180,"text":12862,"spans":12863},"February",[],[12865],{"type":180,"text":12866,"spans":12867},"End April",[],[12869],{"type":180,"text":12870,"spans":12871},"1st week of May",[],{"col1":12873,"col2":12877,"col3":12881},[12874],{"type":180,"text":12875,"spans":12876},"March",[],[12878],{"type":180,"text":12879,"spans":12880},"End May",[],[12882],{"type":180,"text":12883,"spans":12884},"1st week of June",[],{"col1":12886,"col2":12890,"col3":12894},[12887],{"type":180,"text":12888,"spans":12889},"Month X",[],[12891],{"type":180,"text":12892,"spans":12893},"End of month (X+2)",[],[12895],{"type":180,"text":12896,"spans":12897},"1st week of month (X+3)",[],"table3$72ae4400-f9a0-4ce5-937d-46d2611bfba0",{"primary":12900,"items":12917,"id":12918,"slice_type":7941,"slice_label":107},{"text":12901},[12902,12905,12908,12911],{"type":180,"text":12903,"spans":12904},"SEPs are different - one annual payout. The earliest possible date is end April of the following Work Year (e.g. WY2025 → end April 2026), and only if NTI declared and MediSave paid by 31 March.",[],{"type":171,"text":12906,"spans":12907},"Why PayNow-NRIC matters more for Workfare than for GSTV",[],{"type":180,"text":12909,"spans":12910},"GSTV pays once a year so the GovCash delay is a one-time inconvenience. Workfare pays MONTHLY, so the GovCash delay compounds - 12 weeks of slower cashflow over a year. For a 60-year-old hitting the $4,900 max ($1,960/year cash portion), that's about $163/month landing 1-2 weeks late if you're on GovCash.",[],{"type":180,"text":12912,"spans":12913},"Linking PayNow-NRIC at any participating bank takes about 2 minutes via your bank's mobile app - look for \"PayNow setup\" and select NRIC linking. Full instructions on the official PayNow page.",[12914],{"start":11076,"end":12915,"type":5402,"data":12916},191,{"link_type":69,"url":9298},[],"text$70598d5e-4cd3-4cae-a740-09c1026ee096",{"primary":12920,"items":12975,"id":12976,"slice_type":7941,"slice_label":107},{"text":12921},[12922,12924,12927,12930,12933,12937,12941,12945,12951,12954,12957,12960,12963,12966,12969,12972],{"type":7946,"text":12463,"spans":12923,"direction":123},[],{"type":180,"text":12925,"spans":12926,"direction":123},"A surprising number of workers ASSUME they qualify but get disqualified by silent criteria. The most common traps:",[],{"type":171,"text":12928,"spans":12929,"direction":123},"The AV $21,000 trap",[],{"type":180,"text":12931,"spans":12932,"direction":123},"Workfare's AV ceiling ($21,000) is significantly tighter than GSTV's ($31,000) and Majulah's ($31,000). A $21k AV typically corresponds to:",[],{"type":4229,"text":12934,"spans":12935,"direction":123},"HDB flats: virtually all qualify - even executive HDB flats are likely under $21k AV",[12936],{"start":9,"end":8795,"type":3603},{"type":4229,"text":12938,"spans":12939,"direction":123},"Private condos: smaller and older units may scrape under, but newer or larger condos exceed it",[12940],{"start":9,"end":10357,"type":3603},{"type":4229,"text":12942,"spans":12943,"direction":123},"Landed: almost always exceeds $21k AV",[12944],{"start":9,"end":9763,"type":3603},{"type":180,"text":12946,"spans":12947,"direction":123},"Check your home's AV at mytax.iras.gov.sg - log in with Singpass and look up your property. The AV updates after every reassessment, so a property near $21k could push you out one year and back in the next.",[12948],{"start":6267,"end":7999,"type":5402,"data":12949},{"link_type":69,"url":12950,"target":186},"https://mytax.iras.gov.sg/portal/avs/avsearch",{"type":171,"text":12952,"spans":12953,"direction":123},"The spouse income trap",[],{"type":180,"text":12955,"spans":12956,"direction":123},"If you're married, your spouse's assessable income for the preceding YA must be $70,000 or less. This catches dual-income households where one partner is the lower earner targeted by WIS but the other earns above $70k - the higher earner's income disqualifies the lower-earning spouse from WIS entirely.",[],{"type":171,"text":12958,"spans":12959,"direction":123},"The 12-month average income trap",[],{"type":180,"text":12961,"spans":12962,"direction":123},"Even if you earn $2,800/month right now, your average gross monthly income over the past 12 months must also be at or below $3,000. Workers who got a recent pay raise or returned from a high-paying gig can find themselves disqualified despite being currently within the cap.",[],{"type":171,"text":12964,"spans":12965,"direction":123},"The \"more than 1 property\" trap",[],{"type":180,"text":12967,"spans":12968,"direction":123},"Owning 2+ properties (including non-residential like a small commercial unit) disqualifies you outright, regardless of income. The AV check applies to your primary residence; the property count is separate.",[],{"type":171,"text":12970,"spans":12971,"direction":123},"The unemployment trap",[],{"type":180,"text":12973,"spans":12974,"direction":123},"Workfare requires you to actually work in the assessment month. If you're unemployed, you don't qualify for that month - even if you would have been eligible by all other criteria. WIS resumes the moment you start working again (and CPF contributions get made on your behalf).",[],[],"text$c26091cb-e419-42cf-9a86-268e3baa0baa",{"primary":12978,"items":12985,"id":12986,"slice_type":7941,"slice_label":107},{"text":12979},[12980,12982],{"type":7946,"text":12469,"spans":12981},[],{"type":180,"text":12983,"spans":12984},"The Workfare cohort (lower-income working SCs aged 30+) almost always overlaps with GSTV, sometimes with Majulah (if 53+ and born before 1973), and always with CDC Vouchers. Here's the typical stack:",[],[],"text$7f667a05-b87e-4341-91e8-0fa6ff353d7d",{"primary":12988,"items":12993,"id":13069,"slice_type":8948,"slice_label":107},{"table_title":12989},[12990],{"type":171,"text":12991,"spans":12992},"Workfare vs other government schemes 2026",[],[12994,13006,13019,13031,13044,13057],{"col1":12995,"col2":12998,"col3":13002},[12996],{"type":180,"text":9397,"spans":12997},[],[12999],{"type":180,"text":13000,"spans":13001},"Who qualifies",[],[13003],{"type":180,"text":13004,"spans":13005},"What you get",[],{"col1":13007,"col2":13011,"col3":13015},[13008],{"type":180,"text":13009,"spans":13010},"Workfare (WIS)",[],[13012],{"type":180,"text":13013,"spans":13014},"SC 30+, income $500-$3k/mo, AV ≤ $21k, ≤1 property",[],[13016],{"type":180,"text":13017,"spans":13018},"Up to $4,900/year (employee), $3,267 (SEP/platform)",[],{"col1":13020,"col2":13023,"col3":13027},[13021],{"type":180,"text":9409,"spans":13022},[],[13024],{"type":180,"text":13025,"spans":13026},"SC 21+, AI ≤ $39k, AV ≤ $31k",[],[13028],{"type":180,"text":13029,"spans":13030},"Up to $850 Cash + $450 MediSave + U-Save annually",[],{"col1":13032,"col2":13036,"col3":13040},[13033],{"type":180,"text":13034,"spans":13035},"Majulah Package",[],[13037],{"type":180,"text":13038,"spans":13039},"SC born 1973 or earlier, working, AV ≤ $31k",[],[13041],{"type":180,"text":13042,"spans":13043},"ESB up to $1,000/year to CPF + one-time RSB/MediSave (already paid)",[],{"col1":13045,"col2":13049,"col3":13053},[13046],{"type":180,"text":13047,"spans":13048},"Assurance Package",[],[13050],{"type":180,"text":13051,"spans":13052},"All SC adults",[],[13054],{"type":180,"text":13055,"spans":13056},"Final $250 Cash tranche Dec 2026, then ENDS",[],{"col1":13058,"col2":13061,"col3":13065},[13059],{"type":180,"text":9422,"spans":13060},[],[13062],{"type":180,"text":13063,"spans":13064},"All SC households",[],[13066],{"type":180,"text":13067,"spans":13068},"$300/household/year (split hawker + supermarket)",[],"table3$c3e500b3-d7ee-4c68-80bf-48a33670f44a",{"primary":13071,"items":13110,"id":13111,"slice_type":7941,"slice_label":107},{"text":13072},[13073,13076,13080,13087,13094,13101,13107],{"type":180,"text":13074,"spans":13075,"direction":123},"Stacking math for a typical Young Senior employee (born 1965, age 61, $2,000/month income, HDB 4-room, single property):",[],{"type":4229,"text":13077,"spans":13078,"direction":123},"Workfare: $4,900/year ($1,960 cash to bank monthly + $2,940 to CPF) - new in 2026",[13079],{"start":9,"end":8856,"type":3603},{"type":4229,"text":13081,"spans":13082,"direction":123},"Majulah ESB: $1,000/year to CPF (paid March 2026) - see our Majulah guide",[13083,13084],{"start":9,"end":8701,"type":3603},{"start":6960,"end":9478,"type":5402,"data":13085},{"link_type":69,"url":13086,"target":186},"https://divedeals.sg/blog/majulah-package-2026-singapore-earn-save-bonus-young-seniors",{"type":4229,"text":13088,"spans":13089,"direction":123},"GSTV 2026: ~$850 Cash + $450 MediSave + U-Save in August - see our GSTV guide",[13090,13091],{"start":9,"end":6960,"type":3603},{"start":9507,"end":12472,"type":5402,"data":13092},{"link_type":69,"url":13093,"target":186},"https://divedeals.sg/blog/gst-voucher-2026-singapore-cash-medisave-usave",{"type":4229,"text":13095,"spans":13096,"direction":123},"Assurance Package: final $250 Cash tranche in December - see our AP guide",[13097,13098],{"start":9,"end":11848,"type":3603},{"start":8360,"end":9478,"type":5402,"data":13099},{"link_type":69,"url":13100,"target":186},"https://divedeals.sg/blog/assurance-package-2026-singapore-final-cash-payout",{"type":4229,"text":13102,"spans":13103,"direction":123},"CDC Vouchers: $300/year - see our CDC guide",[13104,13105],{"start":9,"end":7475,"type":3603},{"start":5512,"end":5453,"type":5402,"data":13106},{"link_type":69,"url":9480,"target":186},{"type":180,"text":13108,"spans":13109,"direction":123},"Annual total: roughly $3,360 in cash to spend, plus $4,840 to CPF/MediSave for retirement and healthcare. That's before SG60 vouchers, Climate Voucher and any U-Save rebates.",[],[],"text$a6fe5330-520c-4910-9d8d-a2410d861c5b",{"primary":13113,"items":13182,"id":13183,"slice_type":7941,"slice_label":107},{"text":13114},[13115,13117,13120,13123,13126,13132,13135,13138,13141,13144,13147,13150,13153,13156,13159,13162,13165,13168,13171,13174,13177],{"type":7946,"text":12476,"spans":13116},[],{"type":171,"text":13118,"spans":13119},"If you're an employee",[],{"type":9316,"text":13121,"spans":13122},"Verify CPF contributions are being made: log into cpf.gov.sg with Singpass and check your contribution statement.",[],{"type":9316,"text":13124,"spans":13125},"Link PayNow-NRIC at your bank if not already done - 2 minutes via mobile app.",[],{"type":9316,"text":13127,"spans":13128},"Use the WIS calculator on cpf.gov.sg to estimate your annual payout based on your income and age.",[13129],{"start":8085,"end":8528,"type":5402,"data":13130},{"link_type":69,"url":13131},"https://www.cpf.gov.sg/member/tools-and-services/calculators/workfare-income-supplement-employee-work-year-2025-calculator",{"type":9316,"text":13133,"spans":13134},"Check WIS payments on the WIS e-services - shows your eligibility, payments and any actions needed.",[],{"type":9316,"text":13136,"spans":13137},"If your employer isn't contributing CPF: clarify with them, then report to CPF Board if unresolved.",[],{"type":171,"text":13139,"spans":13140},"If you're self-employed",[],{"type":9316,"text":13142,"spans":13143},"File your Year of Assessment 2025 income tax return with IRAS by 18 April 2026 (or e-File via myTax Portal by 31 October 2026 if not required to file).",[],{"type":9316,"text":13145,"spans":13146},"Pay your MediSave contribution in full based on your assessed NTI - the amount is shown in your WIS e-services dashboard.",[],{"type":9316,"text":13148,"spans":13149},"If your NTI is below $6,000: you're not required to pay MediSave under SES, but you MUST pay it voluntarily within 2 years to qualify for WIS. Don't skip this.",[],{"type":9316,"text":13151,"spans":13152},"Aim to complete declaration + MediSave payment by 31 March - this is the cut-off for receiving WIS by end April of the same year.",[],{"type":171,"text":13154,"spans":13155},"If you're a platform worker",[],{"type":9316,"text":13157,"spans":13158},"Confirm your platform operator is deducting and submitting CPF contributions on your behalf each month - check via cpf.gov.sg.",[],{"type":9316,"text":13160,"spans":13161},"Decide on opt-in to increased CPF contributions before 2029 - this unlocks the higher employee-equivalent WIS rate.",[],{"type":9316,"text":13163,"spans":13164},"Same monthly payout schedule applies - link PayNow-NRIC for fastest receipt.",[],{"type":171,"text":13166,"spans":13167},"If you think you should qualify but didn't get paid",[],{"type":9316,"text":13169,"spans":13170},"Check your AV at mytax.iras.gov.sg - the $21k cap is the most common silent disqualifier.",[],{"type":9316,"text":13172,"spans":13173},"Check your spouse's assessable income (if married) - the $70k spouse cap is the second most common.",[],{"type":9316,"text":13175,"spans":13176},"Check your 12-month average income, not just current month - a recent pay raise can push you over.",[],{"type":9316,"text":13178,"spans":13179},"Contact CPF Board: WIS hotline 1800 227 1188 (Mon-Fri 8am-5.30pm), or file an enquiry via cpf.gov.sg.",[13180],{"start":10784,"end":7917,"type":5402,"data":13181},{"link_type":69,"url":12653},[],"text$63d5ec6a-b80a-4db1-b9d2-5be1b37e9bda",{"id":13185,"uid":13186,"url":107,"type":7846,"href":13187,"tags":13188,"first_publication_date":13189,"last_publication_date":13189,"slugs":13190,"linked_documents":13192,"lang":115,"alternate_languages":13193,"data":13194},"aflj0hAAAPzZYOM5","assurance-package-2026-singapore-final-cash-payout","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aflj0hAAAPzZYOM5%22%29+%5D%5D",[8751,8752,7851],"2026-05-05T03:32:51+0000",[13191],"assurance-package-2026-singapore-the-final-250-cash-tranche-this-december-and-what-replaces-it",[],[],{"title":13195,"seo_title":13199,"seo_meta_description":13203,"featured":16,"expired":16,"noindex":16,"cover_image":13207,"date":4124,"author_link":13215,"body":13218},[13196],{"type":120,"text":13197,"spans":13198},"Assurance Package 2026 Singapore: The Final $250 Cash Tranche This December and What Replaces It",[],[13200],{"type":120,"text":13201,"spans":13202},"Assurance Package 2026 Singapore: Final $250 Cash Tranche",[],[13204],{"type":120,"text":13205,"spans":13206},"Assurance Package 2026 Singapore: the final $250 AP Cash tranche in December 2026, AP U-Save schedule, payment dates and what replaces AP after it ends.",[],{"dimensions":13208,"alt":13211,"copyright":107,"url":13212,"id":13213,"edit":13214},{"width":13209,"height":13210},1165,425,"assurance package 2026 payout date","https://images.prismic.io/dive/aflkYsBOoF08xmz9_Screenshot2026-05-05at11.30.38AM.png?auto=format,compress","aflkYsBOoF08xmz9",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":13216,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":13217,"isBroken":16},[],"89a5fdc3-6e73-4b78-aa7a-eca327d5819d",[13219,13230,13281,13285,13321,13334,13418,13440,13468,13481,13575,13590,13630,13640,13709,13746],{"primary":13220,"items":13228,"id":13229,"slice_type":7941,"slice_label":107},{"text":13221},[13222,13225],{"type":180,"text":13223,"spans":13224,"direction":123},"The Assurance Package (AP) was Budget 2022's 5-year cushion against the GST hike from 7% to 9%, paying out roughly $9.6 billion in cash, MediSave top-ups, U-Save rebates and CDC Vouchers between 2022 and 2026. December 2026 is the final AP Cash tranche - $250 max - and after that, the regular GSTV scheme and the new Budget 2026 measures take over.",[],{"type":180,"text":13226,"spans":13227,"direction":123},"Most Singaporeans confuse AP with GSTV because they look identical: same bank account, same August or December timing, similar PayNow-NRIC routing. They're actually two separate schemes that happened to overlap for 5 years. AP is winding down; GSTV continues forever.",[],[],"text$6a021363-3331-4c7e-9bd2-39c5139a27b2",{"primary":13231,"items":13279,"id":13280,"slice_type":7941,"slice_label":107},{"text":13232},[13233,13235,13241,13248,13254,13260,13266,13273],{"type":7946,"text":7947,"spans":13234},[],{"type":180,"text":13236,"spans":13237},"1. What the Assurance Package is, and why it's ending in 2026",[13238],{"start":9,"end":8360,"type":5402,"data":13239},{"link_type":69,"url":13240},"#1-what-the-assurance-package-is-and-why-it-s-ending-in-2026",{"type":180,"text":13242,"spans":13243},"2. AP Cash 2026: the final $250 tranche arriving December 2026",[13244],{"start":9,"end":13245,"type":5402,"data":13246},62,{"link_type":69,"url":13247},"#2-ap-cash-2026-the-final-250-tranche-arriving-december-2026",{"type":180,"text":13249,"spans":13250},"3. AP MediSave and Seniors' Bonus: both already ended in February 2025",[13251],{"start":9,"end":11855,"type":5402,"data":13252},{"link_type":69,"url":13253},"#3-ap-medisave-and-seniors-bonus-both-already-ended-in-february-2025",{"type":180,"text":13255,"spans":13256},"4. AP U-Save 2026: the final $95 quarter that stacks on GSTV and B2026",[13257],{"start":9,"end":11855,"type":5402,"data":13258},{"link_type":69,"url":13259},"#4-ap-u-save-2026-the-final-95-quarter-that-stacks-on-gstv-and-b2026",{"type":180,"text":13261,"spans":13262},"5. Payout dates, payment methods, and the PayNow-NRIC trick",[13263],{"start":9,"end":8411,"type":5402,"data":13264},{"link_type":69,"url":13265},"#5-payout-dates-payment-methods-and-the-paynow-nric-trick",{"type":180,"text":13267,"spans":13268},"6. Assurance Package vs GSTV vs Budget 2026 measures: which is which",[13269],{"start":9,"end":13270,"type":5402,"data":13271},68,{"link_type":69,"url":13272},"#6-assurance-package-vs-gstv-vs-budget-2026-measures-which-is-which",{"type":180,"text":13274,"spans":13275},"7. The full government cash stack 2026 and what to do before AP ends",[13276],{"start":9,"end":13270,"type":5402,"data":13277},{"link_type":69,"url":13278},"#7-the-full-government-cash-stack-2026-and-what-to-do-before-ap-ends",[],"text$52ebd8e3-efc5-46ee-84a3-57fc2c69f94d",{"primary":13282,"items":13283,"id":13284,"slice_type":8021,"slice_label":107},{},[],"divider$f3b94a35-db0b-49be-a455-692a3c1cfbe7",{"primary":13286,"items":13319,"id":13320,"slice_type":7941,"slice_label":107},{"text":13287},[13288,13290,13293,13296,13300,13304,13308,13312,13316],{"type":7946,"text":13236,"spans":13289},[],{"type":180,"text":13291,"spans":13292},"When the GST rose from 7% to 8% in January 2023 and from 8% to 9% in January 2024, the government rolled out the Assurance Package - a one-time cushion package designed to absorb roughly 5 years of the GST increase for the average Singaporean household. Unlike GSTV (which is permanent), AP was always meant to sunset.",[],{"type":180,"text":13294,"spans":13295},"AP comprises five distinct sub-schemes, each with its own eligibility and timeline:",[],{"type":4229,"text":13297,"spans":13298},"AP Cash: 5 annual payouts from Dec 2022 to Dec 2026, up to $2,250 total per eligible adult",[13299],{"start":9,"end":8085,"type":3603},{"type":4229,"text":13301,"spans":13302},"AP MediSave: 3 annual payouts of $150 each from Feb 2023 to Feb 2025 - ENDED",[13303],{"start":9,"end":13270,"type":3603},{"type":4229,"text":13305,"spans":13306},"AP Seniors' Bonus: 3 annual payouts from Feb 2023 to Feb 2025 for lower-income seniors - ENDED",[13307],{"start":9,"end":12511,"type":3603},{"type":4229,"text":13309,"spans":13310},"AP U-Save: HDB rebates from 2023 to 2026, doubled or tripled the regular GSTV U-Save in those years",[13311],{"start":9,"end":3601,"type":3603},{"type":4229,"text":13313,"spans":13314},"AP CDC Vouchers: bonus CDC tranches stacked on top of the regular CDC scheme",[13315],{"start":9,"end":6275,"type":3603},{"type":180,"text":13317,"spans":13318},"As of May 2026, three of those five sub-schemes are already done. The two still active in 2026 are AP Cash (final $250 tranche in December) and AP U-Save (final $95-per-flat tranche which arrived January 2026). After December 2026, AP is fully wound down.",[],[],"text$20dbd48b-1a67-4e6e-8550-5a3db348f622",{"primary":13322,"items":13332,"id":13333,"slice_type":7941,"slice_label":107},{"text":13323},[13324,13326,13329],{"type":7946,"text":13242,"spans":13325},[],{"type":180,"text":13327,"spans":13328},"The December 2026 AP Cash tranche is the smallest of the five but it's also the simplest to claim - no sign-up needed if you've received any past Government payout. Eligibility for the final tranche: Singapore Citizen residing in Singapore, aged 21+ in 2027 reference year, and Assessable Income for YA2026 below the threshold.",[],{"type":180,"text":13330,"spans":13331},"The amount you get depends on your AI band and whether you own more than one property:",[],[],"text$54900897-ba03-4963-9c4e-320cbdfd2e9d",{"primary":13335,"items":13340,"id":13417,"slice_type":8242,"slice_label":107},{"table_title":13336},[13337],{"type":171,"text":13338,"spans":13339},"AP Cash payout by AI band (Dec 2025 + Dec 2026)",[],[13341,13358,13373,13387,13402],{"col1":13342,"col2":13346,"col3":13350,"col4":13354},[13343],{"type":180,"text":13344,"spans":13345},"Assessable Income (AI)",[],[13347],{"type":180,"text":13348,"spans":13349},"Owns 0-1 property",[],[13351],{"type":180,"text":13352,"spans":13353},"Dec 2025 (already paid)",[],[13355],{"type":180,"text":13356,"spans":13357},"Dec 2026 (FINAL)",[],{"col1":13359,"col2":13363,"col3":13367,"col4":13370},[13360],{"type":180,"text":13361,"spans":13362},"Up to $39,000",[],[13364],{"type":180,"text":13365,"spans":13366},"Yes",[],[13368],{"type":180,"text":10721,"spans":13369},[],[13371],{"type":180,"text":9070,"spans":13372},[],{"col1":13374,"col2":13378,"col3":13381,"col4":13384},[13375],{"type":180,"text":13376,"spans":13377},"$39,001 to $100,000",[],[13379],{"type":180,"text":13365,"spans":13380},[],[13382],{"type":180,"text":9083,"spans":13383},[],[13385],{"type":180,"text":9074,"spans":13386},[],{"col1":13388,"col2":13392,"col3":13395,"col4":13399},[13389],{"type":180,"text":13390,"spans":13391},"More than $100,000",[],[13393],{"type":180,"text":13365,"spans":13394},[],[13396],{"type":180,"text":13397,"spans":13398},"$100",[],[13400],{"type":180,"text":13397,"spans":13401},[],{"col1":13403,"col2":13407,"col3":13411,"col4":13414},[13404],{"type":180,"text":13405,"spans":13406},"Any income",[],[13408],{"type":180,"text":13409,"spans":13410},"Owns more than 1",[],[13412],{"type":180,"text":13397,"spans":13413},[],[13415],{"type":180,"text":13397,"spans":13416},[],"table__4_columns_$18286ee6-922a-4ad6-8d1c-c6322a382a6c",{"primary":13419,"items":13438,"id":13439,"slice_type":7941,"slice_label":107},{"text":13420},[13421,13424,13427,13430,13435],{"type":180,"text":13422,"spans":13423},"The cumulative AP Cash you should have received from Dec 2022 to Dec 2026 (5 tranches): up to $2,250 if you stayed in the lowest AI band, $1,350 in the middle band, $700 in the highest band or if you own multiple properties.",[],{"type":171,"text":13425,"spans":13426},"How AI is calculated for the final tranche",[],{"type":180,"text":13428,"spans":13429},"Your Assessable Income (AI) is your total income after allowable expenses and approved donations - the figure on your Notice of Assessment in myTax Portal. The Dec 2026 tranche uses your YA2026 AI (income earned in 2025).",[],{"type":180,"text":13431,"spans":13432},"You can check your AI on myTax Portal: log in with Singpass > Notices/Letters > Individual > select Year of Assessment 2026.",[13433],{"start":6407,"end":7315,"type":5402,"data":13434},{"link_type":69,"url":12755},{"type":180,"text":13436,"spans":13437},"If you crossed the $39k AI threshold in YA2026 (e.g. promotion, bonus, or first full year of employment), you'll drop from $250 to $150. If you crossed $100k, you drop to $100. The AI thresholds are the same hard cliffs as GSTV - no taper.",[],[],"text$742b19f3-ebc8-41f5-b7bd-d3c40b71cce7",{"primary":13441,"items":13466,"id":13467,"slice_type":7941,"slice_label":107},{"text":13442},[13443,13445,13448,13451,13454,13457,13460,13463],{"type":7946,"text":13249,"spans":13444},[],{"type":180,"text":13446,"spans":13447},"If you're searching for \"AP MediSave 2026\" or \"Seniors' Bonus 2026\", here's the answer: both already paid out their final tranche in February 2025. Nothing arriving in 2026 from these two sub-schemes.",[],{"type":171,"text":13449,"spans":13450},"AP MediSave (ended Feb 2025)",[],{"type":180,"text":13452,"spans":13453},"AP MediSave paid $150 per year for 3 years (Feb 2023, Feb 2024, Feb 2025) to Singapore Citizens aged 20 and below or 55 and above. Total $450 over the 3-year window. The amount went directly into the recipient's CPF MediSave Account.",[],{"type":180,"text":13455,"spans":13456},"From 2026 onwards, the equivalent MediSave top-up for seniors comes from the regular GSTV MediSave scheme (up to $450/year for 65+ in HDB flats). For children and younger Singaporeans, the closest equivalent now is the 2025 MediSave Bonus (one-time, paid mostly in 2025).",[],{"type":171,"text":13458,"spans":13459},"AP Seniors' Bonus (ended Feb 2025)",[],{"type":180,"text":13461,"spans":13462},"AP Seniors' Bonus paid $200 to $300 per year for 3 years to lower-income Singaporean seniors aged 55 and above with AI not exceeding $34,000 and AV not exceeding $31,000. Like AP MediSave, the final tranche was Feb 2025.",[],{"type":180,"text":13464,"spans":13465},"The replacement scheme is the Majulah Package Earn and Save Bonus (for those born 1960-1973) and the existing Silver Support Scheme - both pay annually and run permanently. If your senior parent qualified for AP Seniors' Bonus in past years, they likely qualify for one of these now.",[],[],"text$0832a154-31dd-4554-9653-bca90d961e90",{"primary":13469,"items":13479,"id":13480,"slice_type":7941,"slice_label":107},{"text":13470},[13471,13473,13476],{"type":7946,"text":13255,"spans":13472},[],{"type":180,"text":13474,"spans":13475},"AP U-Save was the bonus HDB utilities rebate stacked on top of the regular GSTV U-Save from 2023 to 2026. Eligibility: at least one Singapore Citizen owner or occupier in the flat, no household member owns more than one property.",[],{"type":180,"text":13477,"spans":13478},"The final AP U-Save tranche arrived in January 2026. From April 2026 onwards, only the regular GSTV U-Save plus the new B2026 COL top-up continues.",[],[],"text$ef29aca0-c34d-498a-9274-35584b6f082c",{"primary":13482,"items":13487,"id":13574,"slice_type":8242,"slice_label":107},{"table_title":13483},[13484],{"type":171,"text":13485,"spans":13486},"AP U-Save total per HDB flat type (2023 to 2026)",[],[13488,13504,13518,13532,13546,13560],{"col1":13489,"col2":13492,"col3":13496,"col4":13500},[13490],{"type":180,"text":9134,"spans":13491},[],[13493],{"type":180,"text":13494,"spans":13495},"AP U-Save Jan 2026 (final)",[],[13497],{"type":180,"text":13498,"spans":13499},"AP U-Save total 2023-2026",[],[13501],{"type":180,"text":13502,"spans":13503},"Regular GSTV U-Save per year",[],{"col1":13505,"col2":13508,"col3":13511,"col4":13514},[13506],{"type":180,"text":9151,"spans":13507},[],[13509],{"type":180,"text":9155,"spans":13510},[],[13512],{"type":180,"text":9163,"spans":13513},[],[13515],{"type":180,"text":13516,"spans":13517},"$380",[],{"col1":13519,"col2":13522,"col3":13525,"col4":13528},[13520],{"type":180,"text":9168,"spans":13521},[],[13523],{"type":180,"text":9172,"spans":13524},[],[13526],{"type":180,"text":9180,"spans":13527},[],[13529],{"type":180,"text":13530,"spans":13531},"$340",[],{"col1":13533,"col2":13536,"col3":13539,"col4":13542},[13534],{"type":180,"text":9185,"spans":13535},[],[13537],{"type":180,"text":9189,"spans":13538},[],[13540],{"type":180,"text":9010,"spans":13541},[],[13543],{"type":180,"text":13544,"spans":13545},"$300",[],{"col1":13547,"col2":13550,"col3":13553,"col4":13556},[13548],{"type":180,"text":9200,"spans":13549},[],[13551],{"type":180,"text":9204,"spans":13552},[],[13554],{"type":180,"text":9212,"spans":13555},[],[13557],{"type":180,"text":13558,"spans":13559},"$260",[],{"col1":13561,"col2":13564,"col3":13567,"col4":13570},[13562],{"type":180,"text":9217,"spans":13563},[],[13565],{"type":180,"text":9221,"spans":13566},[],[13568],{"type":180,"text":9229,"spans":13569},[],[13571],{"type":180,"text":13572,"spans":13573},"$220",[],"table__4_columns_$e1c0c458-d74c-4c67-bc08-50d7e3f16f55",{"primary":13576,"items":13588,"id":13589,"slice_type":7941,"slice_label":107},{"text":13577},[13578,13585],{"type":180,"text":13579,"spans":13580},"For FY2026, even though AP U-Save has ended, the regular GSTV U-Save is paying 1.5x the normal amount thanks to the B2026 top-up announced in Budget 2026. A 4-room household will get $450 of U-Save in FY2026 instead of the normal $300 - that's a $150 bump separate from AP. Full breakdown in our GSTV 2026 guide.",[13581],{"start":13582,"end":13583,"type":5402,"data":13584},292,311,{"link_type":69,"url":13093},{"type":180,"text":13586,"spans":13587},"The rebates land directly in your SP utilities account - no action needed. They show up as \"U-Save\" on your monthly bill, with no breakdown of which portion is AP vs GSTV vs B2026 top-up. If your monthly utilities are below the rebate, the credit rolls forward to subsequent months.",[],[],"text$2c4e0ee9-082d-4256-9c06-d3d61e8eed3e",{"primary":13591,"items":13628,"id":13629,"slice_type":7941,"slice_label":107},{"text":13592},[13593,13595,13598,13600,13604,13608,13612,13616,13619,13622,13625],{"type":7946,"text":13261,"spans":13594},[],{"type":180,"text":13596,"spans":13597},"AP Cash uses the same payment routing as GSTV - PayNow-NRIC is fastest, bank crediting next, GovCash slowest. The cutoff dates for the December 2026 tranche follow the same pattern as the December 2025 tranche:",[],{"type":171,"text":9263,"spans":13599},[],{"type":4229,"text":13601,"spans":13602},"PayNow-NRIC: By around 5 December 2026 (the fastest option, default for anyone with PayNow-NRIC linked)",[13603],{"start":9,"end":7014,"type":3603},{"type":4229,"text":13605,"spans":13606},"Bank crediting: By around 16 December 2026 (if you provided bank details to the Government but not PayNow-NRIC)",[13607],{"start":9,"end":10357,"type":3603},{"type":4229,"text":13609,"spans":13610},"GovCash: By around 22 December 2026 (slowest, withdraw at any OCBC ATM)",[13611],{"start":9,"end":8085,"type":3603},{"type":4229,"text":13613,"spans":13614},"AP U-Save: Last tranche arrived January 2026 (already credited)",[13615],{"start":9,"end":3601,"type":3603},{"type":180,"text":13617,"spans":13618},"To get the December 2026 AP Cash via PayNow-NRIC, register your NRIC to PayNow at any participating bank by around 23 November 2026 (govbenefits will confirm the exact date closer to the disbursement). If you're providing fresh bank details to the Government, do it by around 29 November 2026.",[],{"type":171,"text":13620,"spans":13621},"The PayNow-NRIC trick",[],{"type":180,"text":13623,"spans":13624},"PayNow-NRIC arrives roughly 17 days earlier than GovCash on the same payout - 5 December vs 22 December. For a household where two adults each get $250, that's $500 sitting idle for over two weeks if you take the slow route. Same setup as GSTV: link your NRIC at DBS, OCBC, UOB or any participating bank via your banking app.",[],{"type":180,"text":13626,"spans":13627},"Once you link PayNow-NRIC at one bank, it stays linked - same setup that gets you GSTV in August now gets you AP Cash in December. One-time action covers all government payouts going forward.",[],[],"text$18c3575d-c467-41eb-bcab-c990c29f102a",{"primary":13631,"items":13638,"id":13639,"slice_type":7941,"slice_label":107},{"text":13632},[13633,13635],{"type":7946,"text":13267,"spans":13634},[],{"type":180,"text":13636,"spans":13637},"The biggest source of confusion: AP, GSTV, B2025 COL and B2026 measures all run in parallel and credit to the same bank account. Here's the disambiguation:",[],[],"text$d63118d0-5c7f-4786-b311-e525fb3726c3",{"primary":13641,"items":13646,"id":13708,"slice_type":8948,"slice_label":107},{"table_title":13642},[13643],{"type":171,"text":13644,"spans":13645},"Assurance Package vs GSTV vs Budget COL measures",[],[13647,13658,13670,13682,13695],{"col1":13648,"col2":13651,"col3":13654},[13649],{"type":180,"text":9397,"spans":13650},[],[13652],{"type":180,"text":8889,"spans":13653},[],[13655],{"type":180,"text":13656,"spans":13657},"Status in 2026",[],{"col1":13659,"col2":13662,"col3":13666},[13660],{"type":180,"text":13047,"spans":13661},[],[13663],{"type":180,"text":13664,"spans":13665},"Up to $250 Cash + $95 U-Save (final), CDC Vouchers",[],[13667],{"type":180,"text":13668,"spans":13669},"WINDING DOWN - final cash tranche Dec 2026",[],{"col1":13671,"col2":13674,"col3":13678},[13672],{"type":180,"text":9409,"spans":13673},[],[13675],{"type":180,"text":13676,"spans":13677},"Up to $850 Cash + $450 MediSave + $570 U-Save annually",[],[13679],{"type":180,"text":13680,"spans":13681},"PERMANENT - continues forever",[],{"col1":13683,"col2":13687,"col3":13691},[13684],{"type":180,"text":13685,"spans":13686},"B2025 COL Support",[],[13688],{"type":180,"text":13689,"spans":13690},"Extra U-Save + $300 CDC Vouchers paid Jan 2026",[],[13692],{"type":180,"text":13693,"spans":13694},"ENDED - all tranches paid out",[],{"col1":13696,"col2":13700,"col3":13704},[13697],{"type":180,"text":13698,"spans":13699},"B2026 measures",[],[13701],{"type":180,"text":13702,"spans":13703},"B2026 U-Save top-up (1.5x GSTV U-Save), other Budget 2026 items",[],[13705],{"type":180,"text":13706,"spans":13707},"ACTIVE - kicks in FY2026",[],"table3$0dd274e4-ff32-4afb-8ead-6328d2a66cd5",{"primary":13710,"items":13744,"id":13745,"slice_type":7941,"slice_label":107},{"text":13711},[13712,13715,13719,13723,13727,13731,13735],{"type":180,"text":13713,"spans":13714},"What changes for an eligible household in 2027 once AP fully ends:",[],{"type":4229,"text":13716,"spans":13717},"AP Cash gone: lose up to $250-$600 of December cash that you've had for 5 years",[13718],{"start":9,"end":5703,"type":3603},{"type":4229,"text":13720,"spans":13721},"GSTV Cash continues: still up to $850/year in August, no change",[13722],{"start":9,"end":10516,"type":3603},{"type":4229,"text":13724,"spans":13725},"AP U-Save gone: lose roughly $190-$380 of bonus annual rebates depending on flat type",[13726],{"start":9,"end":10357,"type":3603},{"type":4229,"text":13728,"spans":13729},"GSTV U-Save continues at base rate ($220-$380/year) plus any future Budget COL top-ups",[13730],{"start":9,"end":12511,"type":3603},{"type":4229,"text":13732,"spans":13733},"CDC Vouchers continue separately under their own scheme - $300/year baseline, plus Budget tranches",[13734],{"start":9,"end":8370,"type":3603},{"type":180,"text":13736,"spans":13737},"For deep dives on each: our GSTV 2026 guide, CDC Voucher guide, LifeSG Credits guide and SG60 voucher guide cover the schemes still running after AP ends.",[13738,13740,13742],{"start":8536,"end":5453,"type":5402,"data":13739},{"link_type":69,"url":13093},{"start":10363,"end":13245,"type":5402,"data":13741},{"link_type":69,"url":9480},{"start":12441,"end":12359,"type":5402,"data":13743},{"link_type":69,"url":9492},[],"text$02da5b97-3a61-4ff1-afc7-71b9b840990a",{"primary":13747,"items":13798,"id":13799,"slice_type":7941,"slice_label":107},{"text":13748},[13749,13751,13754,13758,13764,13770,13773,13778,13783,13788,13791],{"type":7946,"text":13274,"spans":13750,"direction":123},[],{"type":180,"text":13752,"spans":13753,"direction":123},"For an eligible Singapore Citizen household in 2026, here's the full claimable government cash stack across all live schemes:",[],{"type":4229,"text":13755,"spans":13756,"direction":123},"Assurance Package 2026 (FINAL): up to $250 Cash in December + $95 U-Save already paid Jan",[13757],{"start":9,"end":8469,"type":3603},{"type":4229,"text":13759,"spans":13760,"direction":123},"GST Voucher 2026: up to $850 Cash + $450 MediSave + 1.5x U-Save (~$450 for 4-room) - see our GSTV guide",[13761,13762],{"start":9,"end":10770,"type":3603},{"start":8740,"end":9499,"type":5402,"data":13763},{"link_type":69,"url":13093,"target":186},{"type":4229,"text":13765,"spans":13766,"direction":123},"CDC Vouchers: $300 baseline per household, expires 31 Dec 2026 - see our CDC guide",[13767,13768],{"start":9,"end":13245,"type":3603},{"start":6961,"end":10770,"type":5402,"data":13769},{"link_type":69,"url":9480,"target":186},{"type":4229,"text":9482,"spans":13771,"direction":123},[13772],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9486,"spans":13774,"direction":123},[13775,13776],{"start":9,"end":9477,"type":3603},{"start":8856,"end":9490,"type":5402,"data":13777},{"link_type":69,"url":9492,"target":186},{"type":4229,"text":9494,"spans":13779,"direction":123},[13780,13781],{"start":9,"end":7960,"type":3603},{"start":9498,"end":9499,"type":5402,"data":13782},{"link_type":69,"url":9501,"target":186},{"type":4229,"text":9503,"spans":13784,"direction":123},[13785,13786],{"start":9,"end":6960,"type":3603},{"start":9507,"end":8739,"type":5402,"data":13787},{"link_type":69,"url":9509,"target":186},{"type":180,"text":13789,"spans":13790,"direction":123},"A typical eligible HDB household with two SC adults and two SC children sits on $4,500+ of claimable government cash and credits in 2026. After AP ends, the 2027 stack drops by roughly $500-$800 per household - GSTV remains the backbone.",[],{"type":180,"text":13792,"spans":13793,"direction":123},"For AP enquiries the official hotline is 1800 222 2888 (Mon-Fri, charges apply for mobile calls). Or file an enquiry via the official enquiry form on govpayouts.gov.sg.",[13794],{"start":13795,"end":13796,"type":5402,"data":13797},125,167,{"link_type":69,"url":9371,"target":186},[],"text$1d6b520f-5938-4ae4-8d6b-cc86a963a997",{"id":13801,"uid":13802,"url":107,"type":7846,"href":13803,"tags":13804,"first_publication_date":13805,"last_publication_date":13805,"slugs":13806,"linked_documents":13808,"lang":115,"alternate_languages":13809,"data":13810},"aflo2BAAACIAYOp3","majulah-package-singapore-earn-save-bonus-young-seniors","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aflo2BAAACIAYOp3%22%29+%5D%5D",[8751,8752,7851],"2026-05-05T05:17:17+0000",[13807],"majulah-package-2026-singapore-1000-earn-and-save-bonus-rsb-and-medisave-bonus-for-singaporeans-born-1973-or-earlier",[],[],{"title":13811,"seo_title":13815,"seo_meta_description":13819,"featured":16,"expired":16,"noindex":16,"cover_image":13823,"date":4124,"author_link":13830,"body":13833},[13812],{"type":120,"text":13813,"spans":13814},"Majulah Package 2026 Singapore: $1,000 Earn and Save Bonus, RSB, and MediSave Bonus for Singaporeans Born 1973 or Earlier",[],[13816],{"type":120,"text":13817,"spans":13818},"Majulah Package 2026 Singapore: ESB, RSB, MediSave Bonus",[],[13820],{"type":120,"text":13821,"spans":13822},"Majulah Package 2026 Singapore: $1,000 yearly Earn and Save Bonus, $1,500 RSB, $1,250 MediSave Bonus. Eligibility, payout dates, CPF accounts and what to do.",[],{"dimensions":13824,"alt":13826,"copyright":107,"url":13827,"id":13828,"edit":13829},{"width":7513,"height":13825},975,"what is majulah package","https://images.prismic.io/dive/afl87sBOoF08xm2C_Screenshot2026-05-05at1.15.11PM.png?auto=format,compress","afl87sBOoF08xm2C",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":13831,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":13832,"isBroken":16},[],"23b5fbb7-d46a-4021-9b10-b9fb7b600c8d",[13834,13853,13903,13907,13953,13982,14040,14060,14094,14135,14179,14189,14255,14289],{"primary":13835,"items":13851,"id":13852,"slice_type":7941,"slice_label":107},{"text":13836},[13837,13840,13843],{"type":180,"text":13838,"spans":13839},"The Majulah Package is the Singapore Government's retirement boost for Singaporeans born in 1973 or earlier - roughly 1.6 million people, focused on the \"Young Seniors\" cohort born 1960 to 1973 who are now in their 50s and early 60s. Announced in National Day Rally 2023 and rolled out from December 2024, it costs the government around $7 billion across three components: a yearly Earn and Save Bonus (ESB) of up to $1,000, a one-time Retirement Savings Bonus (RSB) of up to $1,500, and a one-time MediSave Bonus of up to $1,250.",[],{"type":180,"text":13841,"spans":13842},"If you're searching for \"Majulah Package 2026 payout date\" - the 2026 ESB was paid in March 2026 (already done). The RSB and MediSave Bonus were both one-time disbursements in December 2024. The next ESB tranche lands March 2027.",[],{"type":180,"text":13844,"spans":13845},"This guide pulls every number from govbenefits.gov.sg (last updated 21 April 2026). Last verified: 5 May 2026.",[13846,13848],{"start":9,"end":13847,"type":7900},110,{"start":5400,"end":8012,"type":5402,"data":13849},{"link_type":69,"url":13850},"https://www.govbenefits.gov.sg/about-us/majulah-package/overview/",[],"text$8efbe67b-c4d5-4234-a389-8911bbbf0e3e",{"primary":13854,"items":13901,"id":13902,"slice_type":7941,"slice_label":107},{"text":13855},[13856,13858,13864,13870,13876,13883,13889,13895],{"type":7946,"text":7947,"spans":13857},[],{"type":180,"text":13859,"spans":13860},"1. What the Majulah Package is, and who qualifies (born 1973 or earlier)",[13861],{"start":9,"end":8596,"type":5402,"data":13862},{"link_type":69,"url":13863},"#1-what-the-majulah-package-is-and-who-qualifies-born-1973-or-earlier-",{"type":180,"text":13865,"spans":13866},"2. Earn and Save Bonus 2026: $400 to $1,000 paid into CPF in March",[13867],{"start":9,"end":8464,"type":5402,"data":13868},{"link_type":69,"url":13869},"#2-earn-and-save-bonus-2026-400-to-1-000-paid-into-cpf-in-march",{"type":180,"text":13871,"spans":13872},"3. Retirement Savings Bonus and MediSave Bonus: both already paid in December 2024",[13873],{"start":9,"end":10770,"type":5402,"data":13874},{"link_type":69,"url":13875},"#3-retirement-savings-bonus-and-medisave-bonus-both-already-paid-in-december-2024",{"type":180,"text":13877,"spans":13878},"4. Where the money lands: Retirement Account, Special Account, Ordinary Account",[13879],{"start":9,"end":13880,"type":5402,"data":13881},79,{"link_type":69,"url":13882},"#4-where-the-money-lands-retirement-account-special-account-ordinary-account",{"type":180,"text":13884,"spans":13885},"5. How to confirm your 2026 ESB landed and plan for 2027",[13886],{"start":9,"end":6960,"type":5402,"data":13887},{"link_type":69,"url":13888},"#5-how-to-confirm-your-2026-esb-landed-and-plan-for-2027",{"type":180,"text":13890,"spans":13891},"6. Majulah vs GSTV vs Assurance Package vs Silver Support: which is which",[13892],{"start":9,"end":9478,"type":5402,"data":13893},{"link_type":69,"url":13894},"#6-majulah-vs-gstv-vs-assurance-package-vs-silver-support-which-is-which",{"type":180,"text":13896,"spans":13897},"7. The full claimable government cash stack 2026 for Young Seniors",[13898],{"start":9,"end":8464,"type":5402,"data":13899},{"link_type":69,"url":13900},"#7-the-full-claimable-government-cash-stack-2026-for-young-seniors",[],"text$bb20f9eb-cfdb-4174-b6cc-c8f6780c67eb",{"primary":13904,"items":13905,"id":13906,"slice_type":8021,"slice_label":107},{},[],"divider$9414fc9f-653d-41bb-941f-9db53db18d2b",{"primary":13908,"items":13951,"id":13952,"slice_type":7941,"slice_label":107},{"text":13909},[13910,13912,13915,13918,13922,13927,13932,13935,13938,13942,13947],{"type":7946,"text":13859,"spans":13911},[],{"type":180,"text":13913,"spans":13914},"The Majulah Package was designed to give Singaporeans approaching retirement an extra boost - particularly the \"Young Senior\" cohort born between 1960 and 1973 who didn't benefit as much from earlier schemes like Pioneer Generation or Merdeka Generation. Every Singapore Citizen born in 1973 or earlier will receive at least one component.",[],{"type":180,"text":13916,"spans":13917},"The three components and their status:",[],{"type":4229,"text":13919,"spans":13920},"Earn and Save Bonus (ESB): Yearly cash top-up to CPF, paid every March from 2025 onwards. Up to $1,000/year for the lowest income tier",[13921],{"start":9,"end":9277,"type":3603},{"type":4229,"text":13923,"spans":13924},"Retirement Savings Bonus (RSB): One-time CPF top-up of up to $1,500, paid December 2024 - ALREADY DONE",[13925],{"start":9,"end":13926,"type":3603},87,{"type":4229,"text":13928,"spans":13929},"MediSave Bonus: One-time MediSave top-up of up to $1,250 (originally $750, enhanced by $500 in October 2024), paid December 2024 - ALREADY DONE",[13930],{"start":9,"end":13931,"type":3603},128,{"type":180,"text":13933,"spans":13934},"Quick eligibility check: if you were born in 1973 or earlier, you qualify for at least one component. Whether you got which (and how much) depends on your income, CPF balance, and Annual Value of your home as at 30 November of the assessment year.",[],{"type":171,"text":13936,"spans":13937},"Who counts as a Young Senior",[],{"type":4229,"text":13939,"spans":13940},"Born 1960 to 1973: Currently aged 53 to 66 in 2026 - the core target group",[13941],{"start":9,"end":7953,"type":3603},{"type":4229,"text":13943,"spans":13944},"Born 1959 or earlier: Already covered by Pioneer Generation (born before 1950) or Merdeka Generation (born 1950-1959), but still receive Majulah on top",[13945],{"start":9,"end":13946,"type":3603},21,{"type":4229,"text":13948,"spans":13949},"Born after 1973: Not eligible for Majulah - covered by other schemes like Workfare Income Supplement and the regular GSTV",[13950],{"start":9,"end":7999,"type":3603},[],"text$8f381beb-55c8-4e9e-9140-c7c760c9eede",{"primary":13954,"items":13980,"id":13981,"slice_type":7941,"slice_label":107},{"text":13955},[13956,13958,13961,13965,13969,13973,13977],{"type":7946,"text":13865,"spans":13957},[],{"type":180,"text":13959,"spans":13960},"The Earn and Save Bonus is the only Majulah component still recurring. To get it, you need to tick all four boxes:",[],{"type":4229,"text":13962,"spans":13963},"Singapore Citizen born in 1973 or earlier",[13964],{"start":9,"end":7999,"type":3603},{"type":4229,"text":13966,"spans":13967},"Working - earning average monthly income of $500 to $6,000 (employment OR trade income)",[13968],{"start":9,"end":9763,"type":3603},{"type":4229,"text":13970,"spans":13971},"Annual Value (AV) of your home: $31,000 or less",[13972],{"start":9,"end":8469,"type":3603},{"type":4229,"text":13974,"spans":13975},"You don't own more than one property",[13976],{"start":9,"end":8528,"type":3603},{"type":180,"text":13978,"spans":13979},"The amount depends on your average monthly income for the preceding Year of Assessment. The 2026 ESB used your YA2025 income (income earned in 2024) divided by months worked in 2024.",[],[],"text$57f04ae4-2a61-4c40-8c1f-b90c44566105",{"primary":13983,"items":13988,"id":14039,"slice_type":8948,"slice_label":107},{"table_title":13984},[13985],{"type":171,"text":13986,"spans":13987},"Earn and Save Bonus 2026: amount by income tier",[],[13989,14002,14015,14027],{"col1":13990,"col2":13994,"col3":13998},[13991],{"type":180,"text":13992,"spans":13993},"Average monthly income",[],[13995],{"type":180,"text":13996,"spans":13997},"Annual ESB",[],[13999],{"type":180,"text":14000,"spans":14001},"Where it lands",[],{"col1":14003,"col2":14007,"col3":14011},[14004],{"type":180,"text":14005,"spans":14006},"$500 to $2,500",[],[14008],{"type":180,"text":14009,"spans":14010},"$1,000",[],[14012],{"type":180,"text":14013,"spans":14014},"CPF Retirement Account (or SA if RA not yet open)",[],{"col1":14016,"col2":14020,"col3":14024},[14017],{"type":180,"text":14018,"spans":14019},"Above $2,500 to $3,500",[],[14021],{"type":180,"text":14022,"spans":14023},"$700",[],[14025],{"type":180,"text":14013,"spans":14026},[],{"col1":14028,"col2":14032,"col3":14036},[14029],{"type":180,"text":14030,"spans":14031},"Above $3,500 to $6,000",[],[14033],{"type":180,"text":14034,"spans":14035},"$400",[],[14037],{"type":180,"text":14013,"spans":14038},[],"table3$66fbd006-7ca9-4873-b2d0-3ebe370c6140",{"primary":14041,"items":14058,"id":14059,"slice_type":7941,"slice_label":107},{"text":14042},[14043,14046,14049,14052,14055],{"type":171,"text":14044,"spans":14045},"Concessionary ESB ($400 even if you earn below $500/month)",[],{"type":180,"text":14047,"spans":14048},"Three groups qualify for the concessionary $400 ESB even if their income is below $500/month: persons with disabilities, workers receiving ComCare Short-to-Medium-Term Assistance, and caregivers of care recipients (typically those residing with someone medically certified to have permanent moderate-to-severe disabilities).",[],{"type":180,"text":14050,"spans":14051},"This concessionary tier is the catch for many who think \"I don't earn enough to qualify.\" If you're caregiving full-time for a parent or spouse, check the criteria - you may qualify for $400/year you're not claiming.",[],{"type":171,"text":14053,"spans":14054},"Why payout went into CPF instead of bank account",[],{"type":180,"text":14056,"spans":14057},"The ESB is structured as a retirement boost, not a cash payout. It goes into your CPF account - you can't withdraw it as cash. When you start drawing CPF LIFE monthly payouts in retirement, your ESB amount will be included in those monthly payouts.",[],[],"text$ef64840a-6a10-4152-806b-032d49ee6bfa",{"primary":14061,"items":14092,"id":14093,"slice_type":7941,"slice_label":107},{"text":14062},[14063,14065,14068,14071,14074,14077,14080,14083,14086,14089],{"type":7946,"text":13871,"spans":14064},[],{"type":180,"text":14066,"spans":14067},"If you're searching for \"Majulah Retirement Savings Bonus 2026\" or \"Majulah MediSave Bonus 2026\" - both were one-time payouts in December 2024 and won't happen again in 2026 or beyond. Nothing to claim, nothing to wait for.",[],{"type":171,"text":14069,"spans":14070},"Retirement Savings Bonus (RSB) - paid December 2024",[],{"type":180,"text":14072,"spans":14073},"The RSB was a one-time CPF top-up of up to $1,500 for Singaporeans born in 1973 or earlier whose CPF retirement savings were below the 2023 Basic Retirement Sum of $99,400 (measured as at 31 December 2022). The amount tapered down based on how close your CPF balance was to the BRS - those further below got the full $1,500, those closer got progressively less.",[],{"type":180,"text":14075,"spans":14076},"It went into your CPF Retirement Account (or Special Account if RA wasn't open yet). Same restriction as ESB: not withdrawable as cash, becomes part of your monthly CPF LIFE payouts.",[],{"type":171,"text":14078,"spans":14079},"MediSave Bonus - paid December 2024",[],{"type":180,"text":14081,"spans":14082},"The MediSave Bonus was a one-time top-up to your CPF MediSave Account. Originally announced at $750 for Singaporeans born in 1973 or earlier, then enhanced by $500 in October 2024 (bringing it to $1,250 for that cohort). Pioneer Generation and Merdeka Generation members received different amounts on top of their existing bonuses.",[],{"type":180,"text":14084,"spans":14085},"Unlike the RSB, MediSave Bonus is immediately useful - it sits in MediSave and can be drawn down for MediShield Life premiums, outpatient bills, hospitalisation costs and more.",[],{"type":171,"text":14087,"spans":14088},"Did I get them?",[],{"type":180,"text":14090,"spans":14091},"Both were credited automatically - no sign-up needed. To check, log into your CPF account at cpf.gov.sg with Singpass and look at your transaction history for December 2024. The RSB will appear as a top-up to your RA or SA; the MediSave Bonus will appear as a top-up to your MediSave Account.",[],[],"text$0a56f4f2-9f50-49d3-9f96-d9ae9cbaa7ed",{"primary":14095,"items":14133,"id":14134,"slice_type":7941,"slice_label":107},{"text":14096},[14097,14099,14102,14106,14110,14114,14118,14121,14124,14130],{"type":7946,"text":13877,"spans":14098},[],{"type":180,"text":14100,"spans":14101},"All three Majulah components go into CPF, but which sub-account depends on your age and how much you've already saved:",[],{"type":4229,"text":14103,"spans":14104},"Retirement Account (RA): Default for ESB and RSB if your RA is already open (typically opened at age 55 with Full Retirement Sum, or earlier with deferment)",[14105],{"start":9,"end":6267,"type":3603},{"type":4229,"text":14107,"spans":14108},"Special Account (SA): If your RA isn't open yet (you're below 55, or above 55 but haven't triggered RA opening), the ESB lands in your SA - which earns the same 4% base rate as RA",[14109],{"start":9,"end":10953,"type":3603},{"type":4229,"text":14111,"spans":14112},"Ordinary Account (OA): Only for those aged 55+ who have already set aside the Full Retirement Sum, OR Basic Retirement Sum with a property pledge. ESB lands in OA where you can use it for housing or investments",[14113],{"start":9,"end":8794,"type":3603},{"type":4229,"text":14115,"spans":14116},"MediSave Account (MA): The one-time MediSave Bonus only - immediately usable for healthcare expenses",[14117],{"start":9,"end":8370,"type":3603},{"type":171,"text":14119,"spans":14120},"Why you can't withdraw the ESB or RSB as cash",[],{"type":180,"text":14122,"spans":14123},"The ESB and RSB are designed as retirement savings - their entire purpose is to boost your monthly CPF LIFE payouts when you start drawing them. CPF policy locks them up the same way as your regular CPF contributions. The only way to \"access\" them is via your monthly CPF LIFE payout in retirement.",[],{"type":180,"text":14125,"spans":14126},"For more on how CPF LIFE monthly payouts work and how additional top-ups affect them, the CPF Board's LIFE estimator on cpf.gov.sg gives a personalised number based on your current balance.",[14127],{"start":10784,"end":7723,"type":5402,"data":14128},{"link_type":69,"url":14129},"https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-life-estimator",{"type":180,"text":14131,"spans":14132},"Practical impact: if you're a $1,000/year ESB recipient for 10 years (age 55 to 65), that's $10,000 of principal sitting in your RA earning 4% compounded - roughly $12,000 by the time you start CPF LIFE at 65. That adds about $50/month to your monthly payout for life.",[],[],"text$22ac598c-9a5e-484b-9993-52d62c8eea3a",{"primary":14136,"items":14177,"id":14178,"slice_type":7941,"slice_label":107},{"text":14137},[14138,14140,14143,14146,14151,14154,14157,14160,14163,14166,14169,14173],{"type":7946,"text":13884,"spans":14139},[],{"type":180,"text":14141,"spans":14142},"March 2026 has come and gone. If you qualify but didn't see the deposit, here's the troubleshooting order:",[],{"type":9316,"text":14144,"spans":14145},"Log into your CPF account at cpf.gov.sg with Singpass. Check the transaction history for March 2026 - look for \"Majulah Earn and Save Bonus\" or similar in your RA, SA or OA.",[],{"type":9316,"text":14147,"spans":14148},"Log into govbenefits.gov.sg e-services with Singpass. The Majulah section will tell you if you were flagged eligible for ESB 2026 and which sub-account it was credited to.",[14149],{"start":8091,"end":9696,"type":5402,"data":14150},{"link_type":69,"url":8797},{"type":9316,"text":14152,"spans":14153},"Check your YA2025 Notice of Assessment in myTax Portal. If your average monthly income exceeded $6,000 (e.g. promotion in 2024), you're above the threshold and won't qualify. If it was below $500/month and you're not in the concessionary group, also no qualification.",[],{"type":9316,"text":14155,"spans":14156},"Verify your AV: log into IRAS and check your home's Annual Value as at 30 November 2025. If AV crossed $31,000 (some properties have moved up after recent reassessments), you no longer qualify.",[],{"type":9316,"text":14158,"spans":14159},"If all checks pass and you still didn't get paid, contact the Majulah Package hotline at 1800 222 2888 or file an enquiry through govbenefits.gov.sg.",[],{"type":171,"text":14161,"spans":14162},"Planning for the 2027 ESB",[],{"type":180,"text":14164,"spans":14165},"The 2027 ESB will use your YA2026 income (earned in 2025) and your AV/property status as at 30 November 2026. Disbursement: March 2027.",[],{"type":180,"text":14167,"spans":14168},"Two things to watch before November 2026 if you're close to a tier boundary:",[],{"type":4229,"text":14170,"spans":14171},"Income near $2,500/month: dropping just under bumps you from $700 to $1,000/year. Could matter if you're scaling down work hours in your late 50s",[14172],{"start":9,"end":6407,"type":3603},{"type":4229,"text":14174,"spans":14175},"AV near $31,000: if your home's AV increases past $31k after a property reassessment, you lose ESB entirely - even by $1",[14176],{"start":9,"end":12045,"type":3603},[],"text$81175d24-1f2b-4901-b483-0f860d5dc631",{"primary":14180,"items":14187,"id":14188,"slice_type":7941,"slice_label":107},{"text":14181},[14182,14184],{"type":7946,"text":13890,"spans":14183},[],{"type":180,"text":14185,"spans":14186},"Singaporeans aged 55+ can be eligible for multiple government schemes simultaneously. Here's how Majulah fits with the others:",[],[],"text$1034a2be-aa3c-4dbf-b09a-e5b6c63a2b08",{"primary":14190,"items":14195,"id":14254,"slice_type":8948,"slice_label":107},{"table_title":14191},[14192],{"type":171,"text":14193,"spans":14194},"Majulah Package vs GSTV vs Assurance Package vs Silver Support",[],[14196,14206,14218,14229,14241],{"col1":14197,"col2":14200,"col3":14203},[14198],{"type":180,"text":9397,"spans":14199},[],[14201],{"type":180,"text":9404,"spans":14202},[],[14204],{"type":180,"text":13004,"spans":14205},[],{"col1":14207,"col2":14210,"col3":14214},[14208],{"type":180,"text":13034,"spans":14209},[],[14211],{"type":180,"text":14212,"spans":14213},"Born 1973 or earlier, working, AV ≤ $31k",[],[14215],{"type":180,"text":14216,"spans":14217},"ESB up to $1,000/year to CPF + one-time RSB/MediSave Bonus (already paid)",[],{"col1":14219,"col2":14222,"col3":14225},[14220],{"type":180,"text":9409,"spans":14221},[],[14223],{"type":180,"text":9417,"spans":14224},[],[14226],{"type":180,"text":14227,"spans":14228},"Up to $850 Cash + $450 MediSave + U-Save + S&CC annually",[],{"col1":14230,"col2":14233,"col3":14237},[14231],{"type":180,"text":13047,"spans":14232},[],[14234],{"type":180,"text":14235,"spans":14236},"All SC adults (income-tiered)",[],[14238],{"type":180,"text":14239,"spans":14240},"Up to $250 Cash final tranche Dec 2026, then ENDS",[],{"col1":14242,"col2":14246,"col3":14250},[14243],{"type":180,"text":14244,"spans":14245},"Silver Support",[],[14247],{"type":180,"text":14248,"spans":14249},"SCs aged 65+, low CPF + low household income",[],[14251],{"type":180,"text":14252,"spans":14253},"Quarterly cash payouts, $216 to $1,080/quarter",[],"table3$acbe360b-77a2-4fde-8288-c503d0800e35",{"primary":14256,"items":14287,"id":14288,"slice_type":7941,"slice_label":107},{"text":14257},[14258,14261,14265,14269,14273,14277],{"type":180,"text":14259,"spans":14260},"Key differences:",[],{"type":4229,"text":14262,"spans":14263},"Majulah is for Young Seniors who are still working - if you've fully retired and earn nothing, ESB doesn't apply (unless concessionary)",[14264],{"start":9,"end":7953,"type":3603},{"type":4229,"text":14266,"spans":14267},"Silver Support is means-tested for retired seniors - kicks in at 65 and pays cash you can spend, unlike Majulah which goes to CPF",[14268],{"start":9,"end":7953,"type":3603},{"type":4229,"text":14270,"spans":14271},"GSTV runs forever for everyone who qualifies, regardless of age - the backbone scheme",[14272],{"start":9,"end":9507,"type":3603},{"type":4229,"text":14274,"spans":14275},"Assurance Package is winding down: final $250 Cash tranche in December 2026 then ends",[14276],{"start":9,"end":8416,"type":3603},{"type":180,"text":14278,"spans":14279},"For deep dives on each: our GSTV 2026 guide, Assurance Package 2026 guide and CDC Voucher guide cover the schemes that pair with Majulah for the typical Young Senior household.",[14280,14282,14284],{"start":8536,"end":5453,"type":5402,"data":14281},{"link_type":69,"url":13093},{"start":10363,"end":9478,"type":5402,"data":14283},{"link_type":69,"url":13100},{"start":9498,"end":14285,"type":5402,"data":14286},95,{"link_type":69,"url":9480},[],"text$0aa04667-70f5-4745-88f8-799009236194",{"primary":14290,"items":14343,"id":14344,"slice_type":7941,"slice_label":107},{"text":14291},[14292,14294,14297,14301,14308,14314,14319,14322,14327,14332,14335,14337],{"type":7946,"text":13896,"spans":14293,"direction":123},[],{"type":180,"text":14295,"spans":14296,"direction":123},"A typical Young Senior household (one or two SCs born 1960-1973, working, AV ≤ $31k) sits on a stack of overlapping schemes. Here's the complete 2026 picture:",[],{"type":4229,"text":14298,"spans":14299,"direction":123},"Majulah ESB 2026: $400 to $1,000 per eligible adult, paid March 2026 to CPF (already done)",[14300],{"start":9,"end":3602,"type":3603},{"type":4229,"text":14302,"spans":14303,"direction":123},"GST Voucher 2026: up to $850 Cash + $450 MediSave + 1.5x U-Save in August - see our GSTV guide",[14304,14305],{"start":9,"end":9478,"type":3603},{"start":10783,"end":14306,"type":5402,"data":14307},94,{"link_type":69,"url":13093,"target":186},{"type":4229,"text":14309,"spans":14310,"direction":123},"Assurance Package 2026: final $250 Cash tranche in December - see our AP guide",[14311,14312],{"start":9,"end":8411,"type":3603},{"start":8464,"end":9498,"type":5402,"data":14313},{"link_type":69,"url":13100,"target":186},{"type":4229,"text":9473,"spans":14315,"direction":123},[14316,14317],{"start":9,"end":8012,"type":3603},{"start":9477,"end":9478,"type":5402,"data":14318},{"link_type":69,"url":9480,"target":186},{"type":4229,"text":9482,"spans":14320,"direction":123},[14321],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9494,"spans":14323,"direction":123},[14324,14325],{"start":9,"end":7960,"type":3603},{"start":9498,"end":9499,"type":5402,"data":14326},{"link_type":69,"url":9501,"target":186},{"type":4229,"text":9503,"spans":14328,"direction":123},[14329,14330],{"start":9,"end":6960,"type":3603},{"start":9507,"end":8739,"type":5402,"data":14331},{"link_type":69,"url":9509,"target":186},{"type":180,"text":14333,"spans":14334,"direction":123},"A Young Senior couple in an HDB 4-room with combined income in the lowest ESB tier could pull $2,000+ of ESB into CPF, $1,700+ in GSTV Cash + MediSave, $500 of AP/CDC/SG60 cash, plus thousands more in CPF interest compounding from the RSB they got in December 2024 - all in a single calendar year.",[],{"type":171,"text":7,"spans":14336,"direction":123},[],{"type":180,"text":14338,"spans":14339,"direction":123},"For Majulah enquiries the official hotline is 1800 222 2888 (Mon-Fri, charges apply for mobile calls). Or file an enquiry via the official enquiry form on govpayouts.gov.sg.",[14340],{"start":7723,"end":14341,"type":5402,"data":14342},172,{"link_type":69,"url":9371,"target":186},[],"text$46a1c579-3906-4edf-aa53-a9cbb197d328",{"id":14346,"uid":14347,"url":107,"type":7846,"href":14348,"tags":14349,"first_publication_date":14351,"last_publication_date":14351,"slugs":14352,"linked_documents":14354,"lang":115,"alternate_languages":14355,"data":14356},"aflH9hAAABvvYLsC","employee-benefits-tax-cheat-sheet-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aflH9hAAABvvYLsC%22%29+%5D%5D",[7849,14350,7851],"tax","2026-05-05T01:42:20+0000",[14353],"the-singapore-employee-benefits-tax-cheat-sheet-why-a-1000-bonus-reaches-staff-at-744-and-what-to-give-instead",[],[],{"title":14357,"seo_title":14361,"seo_meta_description":14365,"featured":16,"expired":16,"noindex":16,"cover_image":14369,"date":4124,"author_link":14376,"body":14379},[14358],{"type":120,"text":14359,"spans":14360},"The Singapore Employee Benefits Tax Cheat Sheet: Why a $1,000 Bonus Reaches Staff at $744 (and What to Give Instead)",[],[14362],{"type":120,"text":14363,"spans":14364},"Singapore Employee Benefits Tax Cheat Sheet: IRAS + CPF Rules for SMEs (2026)",[],[14366],{"type":120,"text":14367,"spans":14368},"A no-fluff guide to which Singapore employee benefits are tax-free and CPF-free in 2026, why a $1,000 bonus reaches staff at $744, and the IRAS-blessed perk stack for SMEs.",[],{"dimensions":14370,"alt":14372,"copyright":107,"url":14373,"id":14374,"edit":14375},{"width":7872,"height":14371},1281,"employee benefits tax deductible iras","https://images.prismic.io/dive/aflK4MBOoF08xmuq_jakub-zerdzicki-zR7nFjjIAWE-unsplash.jpg?auto=format,compress","aflK4MBOoF08xmuq",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":14377,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":14378,"isBroken":16},[],"79d2833e-a264-475f-87a8-e7e5cf69b799",[14380,14407,14457,14461,14504,14508,14533,14537,14649,14653,14663,14756,14786,14790,14859,14863,14873,14965,14979,14983,14993,15130,15145],{"primary":14381,"items":14405,"id":14406,"slice_type":7941,"slice_label":107},{"text":14382},[14383,14386,14389,14399],{"type":180,"text":14384,"spans":14385},"Most Singapore SME founders structure employee rewards the same way: cash bonus at year-end, a yearly D&D, and maybe an insurance plan. It feels generous. The maths says otherwise.",[],{"type":180,"text":14387,"spans":14388},"A $1,000 cash bonus to a typical 35-year-old earning $5,000/month costs you $1,170 once you add employer CPF. The employee receives $744 after CPF and tax. That is a 36% leak between your wallet and theirs.",[],{"type":180,"text":14390,"spans":14391},"The same $1,000 of perceived value, routed through benefits that IRAS specifically exempts from income tax and that CPF does not classify as wages, can land in the employee's hands at near-100% efficiency. Sometimes at zero cost to you.",[14392,14395],{"start":8818,"end":10952,"type":5402,"data":14393},{"link_type":69,"url":14394},"https://www.iras.gov.sg/taxes/individual-income-tax/employers/understanding-the-tax-treatment/list-of-benefits-in-kind-granted-administrative-concession-or-exempt-from-income-tax",{"start":5209,"end":14396,"type":5402,"data":14397},146,{"link_type":69,"url":14398},"https://www.cpf.gov.sg/employer/employer-obligations/what-payments-attract-cpf-contributions",{"type":180,"text":14400,"spans":14401},"This is the tax cheat sheet that nobody at IRAS wrote in plain English. Every claim below is sourced from the IRAS administrative concession list, the CPF Act, and the CPF Board's official FAQs on flexible benefits. Last verified: 5 May 2026.",[14402],{"start":14403,"end":14404,"type":7900},216,242,[],"text$2b090c62-0284-4032-9f2e-ec49ae271c02",{"primary":14408,"items":14455,"id":14456,"slice_type":7941,"slice_label":107},{"text":14409},[14410,14412,14418,14424,14431,14437,14443,14449],{"type":7946,"text":7947,"spans":14411,"direction":123},[],{"type":180,"text":14413,"spans":14414,"direction":123},"1. Why your $1,000 bonus reaches staff at $744",[14415],{"start":9,"end":8482,"type":5402,"data":14416},{"link_type":69,"url":14417,"target":186},"#1-why-your-1-000-bonus-reaches-staff-at-744",{"type":180,"text":14419,"spans":14420,"direction":123},"2. The 3 questions to ask of any benefit",[14421],{"start":9,"end":7433,"type":5402,"data":14422},{"link_type":69,"url":14423,"target":186},"#2-the-3-questions-to-ask-of-any-benefit",{"type":180,"text":14425,"spans":14426,"direction":123},"3. The IRAS admin concession list (the tax-free playbook)",[14427],{"start":9,"end":14428,"type":5402,"data":14429},57,{"link_type":69,"url":14430,"target":186},"#3-the-iras-admin-concession-list-the-tax-free-playbook-",{"type":180,"text":14432,"spans":14433,"direction":123},"4. The $200 and $500 magic numbers",[14434],{"start":9,"end":8416,"type":5402,"data":14435},{"link_type":69,"url":14436,"target":186},"#4-the-200-and-500-magic-numbers",{"type":180,"text":14438,"spans":14439,"direction":123},"5. The flexi-benefits CPF trap most SMEs miss",[14440],{"start":9,"end":10363,"type":5402,"data":14441},{"link_type":69,"url":14442,"target":186},"#5-the-flexi-benefits-cpf-trap-most-smes-miss",{"type":180,"text":14444,"spans":14445,"direction":123},"6. Cash bonus vs perks: the dollar comparison",[14446],{"start":9,"end":10363,"type":5402,"data":14447},{"link_type":69,"url":14448,"target":186},"#6-cash-bonus-vs-perks-the-dollar-comparison",{"type":180,"text":14450,"spans":14451,"direction":123},"7. The $0 income-tax + $0 CPF stack for a 10-person SME",[14452],{"start":9,"end":8370,"type":5402,"data":14453},{"link_type":69,"url":14454,"target":186},"#7-the-0-income-tax-0-cpf-stack-for-a-10-person-sme",[],"text$0bd3eb64-85ba-4b49-8117-d6298248214e",{"primary":14458,"items":14459,"id":14460,"slice_type":8021,"slice_label":107},{},[],"divider$8ef78c50-bdc7-4d41-95c4-214cc946d085",{"primary":14462,"items":14502,"id":14503,"slice_type":7941,"slice_label":107},{"text":14463},[14464,14466,14469,14472,14476,14480,14484,14488,14492,14495,14499],{"type":7946,"text":14413,"spans":14465},[],{"type":180,"text":14467,"spans":14468},"Quick maths for a Singaporean employee under 55, on a $5,000 monthly salary (so the additional wages ceiling is comfortably available), in the 7% marginal tax bracket.",[],{"type":180,"text":14470,"spans":14471},"You decide to give a $1,000 year-end bonus. Here is what actually happens to that money:",[],{"type":4229,"text":14473,"spans":14474},"Your cost - $1,000 cash + $170 employer CPF (17%) = $1,170 out of your bank account",[14475],{"start":9,"end":8091,"type":3603},{"type":4229,"text":14477,"spans":14478},"Employee CPF (20%) - $200 deducted before they see it",[14479],{"start":9,"end":9667,"type":3603},{"type":4229,"text":14481,"spans":14482},"Gross take-home - $800",[14483],{"start":9,"end":10357,"type":3603},{"type":4229,"text":14485,"spans":14486},"Income tax at 7% marginal - roughly $56 added to their next tax bill",[14487],{"start":9,"end":6407,"type":3603},{"type":4229,"text":14489,"spans":14490},"Net in their pocket - approximately $744",[14491],{"start":9,"end":7423,"type":3603},{"type":180,"text":14493,"spans":14494},"Efficiency: $744 received for $1,170 spent. That is 64 cents per dollar.",[],{"type":180,"text":14496,"spans":14497},"To be fair, the $200 going to their CPF is not lost - it is forced retirement savings. But your employee feels the $744 number, not the $200 in OA they cannot touch until 65. That is the perception gap that quietly hurts retention.",[14498],{"start":9,"end":3601,"type":7900},{"type":180,"text":14500,"spans":14501},"Now compare that to the same $1,000 spent on benefits IRAS treats as tax-exempt. We will get to the actual numbers in section 6.",[],[],"text$24a81422-96bd-4ee5-a2c9-a52bfda9da07",{"primary":14505,"items":14506,"id":14507,"slice_type":8021,"slice_label":107},{},[],"divider$1b47e7b4-2174-4613-a3d6-cbf610df47d6",{"primary":14509,"items":14531,"id":14532,"slice_type":7941,"slice_label":107},{"text":14510},[14511,14513,14516,14520,14524,14528],{"type":7946,"text":14419,"spans":14512},[],{"type":180,"text":14514,"spans":14515},"Before you offer any benefit, perk, or allowance, run it through this three-question filter. The whole tax + CPF treatment falls out of the answers.",[],{"type":4229,"text":14517,"spans":14518},"Question 1: Is it cash or non-cash? - Cash payments (bonuses, allowances, commission) are wages by default. They attract employee + employer CPF and are taxable income. Non-cash benefits (vouchers, group insurance, gym corporate plan, staff discount) generally escape CPF entirely.",[14519],{"start":9,"end":5400,"type":3603},{"type":4229,"text":14521,"spans":14522},"Question 2: Is it available to all staff? - Almost every IRAS administrative concession requires that the benefit be open to all staff, not just senior management. The moment it is selective, the concession can fall away and the value becomes taxable.",[14523],{"start":9,"end":7999,"type":3603},{"type":4229,"text":14525,"spans":14526},"Question 3: Is the value below the IRAS threshold? - Festive gifts, long service awards, service excellence awards each have specific dollar thresholds (mostly $200, staff discount $500 per item). Stay under the threshold and the entire amount is tax-free. Go one cent over and the full amount becomes taxable - not just the excess.",[14527],{"start":9,"end":7953,"type":3603},{"type":180,"text":14529,"spans":14530},"That last point trips up almost everyone. There is no graduated treatment. A $201 birthday gift is fully taxable; a $200 one is fully exempt. Plan around the cap.",[],[],"text$8b110f1c-c045-40ed-8ff0-8245334c7b75",{"primary":14534,"items":14535,"id":14536,"slice_type":8021,"slice_label":107},{},[],"divider$3a57be9f-c71c-452a-a2de-662f1a556efe",{"primary":14538,"items":14647,"id":14648,"slice_type":7941,"slice_label":107},{"text":14539},[14540,14542,14547,14550,14553,14557,14561,14565,14569,14573,14577,14581,14585,14588,14592,14596,14600,14604,14607,14611,14615,14619,14622,14626,14630,14633,14637,14640,14644],{"type":7946,"text":14425,"spans":14541},[],{"type":180,"text":14543,"spans":14544},"IRAS publishes a list of benefits-in-kind that they do not assess for income tax, on the basis that they are difficult to value per employee or that they serve a legitimate workplace purpose. Most SMEs are unaware of how long this list is.",[14545],{"start":3602,"end":7999,"type":5402,"data":14546},{"link_type":69,"url":14394},{"type":180,"text":14548,"spans":14549},"Here is the full set of benefits IRAS treats as tax-free, grouped by category. The common requirement is: available to all staff, not just executives.",[],{"type":171,"text":14551,"spans":14552},"Camaraderie and goodwill (no dollar cap)",[],{"type":4229,"text":14554,"spans":14555},"Sponsored group outings - team lunches, offsites, hikes",[14556],{"start":9,"end":7475,"type":3603},{"type":4229,"text":14558,"spans":14559},"Family Day events - including spouse and kids",[14560],{"start":9,"end":3602,"type":3603},{"type":4229,"text":14562,"spans":14563},"Corporate Dinner & Dance - door gifts and lucky draw prizes included",[14564],{"start":9,"end":6267,"type":3603},{"type":4229,"text":14566,"spans":14567},"Corporate gym, sports venue, holiday chalet, BBQ pit memberships - third-party vendor subscriptions where the company is the corporate member. (Country club memberships do not qualify.)",[14568],{"start":9,"end":12441,"type":3603},{"type":4229,"text":14570,"spans":14571},"Mugs, T-shirts and similar corporate gifts",[14572],{"start":9,"end":6406,"type":3603},{"type":4229,"text":14574,"spans":14575},"Free or subsidised food and drinks at the workplace",[14576],{"start":9,"end":5401,"type":3603},{"type":4229,"text":14578,"spans":14579},"Free transport between pick-up points and the office",[14580],{"start":9,"end":8307,"type":3603},{"type":4229,"text":14582,"spans":14583},"Corporate passes to local attractions in Singapore",[14584],{"start":9,"end":7953,"type":3603},{"type":171,"text":14586,"spans":14587},"Health (employee + spouse + children)",[],{"type":4229,"text":14589,"spans":14590},"Outpatient treatment - free or subsidised",[14591],{"start":9,"end":10516,"type":3603},{"type":4229,"text":14593,"spans":14594},"Hospitalisation cover",[14595],{"start":9,"end":13946,"type":3603},{"type":4229,"text":14597,"spans":14598},"Dental treatment",[14599],{"start":9,"end":6275,"type":3603},{"type":4229,"text":14601,"spans":14602},"Group medical insurance premiums",[14603],{"start":9,"end":8795,"type":3603},{"type":171,"text":14605,"spans":14606},"Skills, innovation, family",[],{"type":4229,"text":14608,"spans":14609},"Course fees, training, scholarships, exam fees",[14610],{"start":9,"end":8482,"type":3603},{"type":4229,"text":14612,"spans":14613},"Staff suggestion / Quality Action Circle / WITS awards",[14614],{"start":9,"end":11848,"type":3603},{"type":4229,"text":14616,"spans":14617},"Childcare subsidy for licensed childcare centres",[14618],{"start":9,"end":7985,"type":3603},{"type":171,"text":14620,"spans":14621},"Equipment and tools",[],{"type":4229,"text":14623,"spans":14624},"Laptops, tablets, notebooks and mobile phones provided for business use",[14625],{"start":9,"end":7960,"type":3603},{"type":4229,"text":14627,"spans":14628},"Staff uniforms required for the job or for corporate identity",[14629],{"start":9,"end":8360,"type":3603},{"type":171,"text":14631,"spans":14632},"Loans (interest-free or subsidised, available to all staff)",[],{"type":4229,"text":14634,"spans":14635},"Housing, vehicle, computer, renovation and personal loans - as long as the employee does not have substantial shareholding or control. Commercial loans from banks, where the company subsidises interest, do not qualify.",[14636],{"start":9,"end":14428,"type":3603},{"type":171,"text":14638,"spans":14639},"Compensation events",[],{"type":4229,"text":14641,"spans":14642},"Death gratuities, disability payments, workmen compensation - never taxable",[14643],{"start":9,"end":8411,"type":3603},{"type":180,"text":14645,"spans":14646},"Read that list again. A founder who structures rewards around this list can deliver real value to a team without sending a single dollar through the CPF and income tax pipeline. The trick is knowing the list exists.",[],[],"text$16b3a7c0-05a7-424a-be60-6d7fc0af3d19",{"primary":14650,"items":14651,"id":14652,"slice_type":8021,"slice_label":107},{},[],"divider$a91e53fb-285c-4018-abf8-f812afcc6d76",{"primary":14654,"items":14661,"id":14662,"slice_type":7941,"slice_label":107},{"text":14655},[14656,14658],{"type":7946,"text":14432,"spans":14657},[],{"type":180,"text":14659,"spans":14660},"Some IRAS concessions only apply up to a specific dollar threshold. These are the numbers every HR and finance person should commit to memory.",[],[],"text$92238251-8e79-485e-93f9-49073d937116",{"primary":14664,"items":14669,"id":14755,"slice_type":10589,"slice_label":107},{"table_title":14665},[14666],{"type":171,"text":14667,"spans":14668},"Tax-free thresholds you cannot cross",[],[14670,14681,14690,14698,14706,14715,14723,14731,14738,14746],{"col1":14671,"col2":14676},[14672],{"type":180,"text":14673,"spans":14674},"Benefit type",[14675],{"start":9,"end":7014,"type":3603},[14677],{"type":180,"text":14678,"spans":14679},"Threshold per item / occasion",[14680],{"start":9,"end":8302,"type":3603},{"col1":14682,"col2":14686},[14683],{"type":180,"text":14684,"spans":14685},"Festive gifts (CNY, Hari Raya, Deepavali, Christmas)",[],[14687],{"type":180,"text":14688,"spans":14689},"$200 cash or non-cash",[],{"col1":14691,"col2":14695},[14692],{"type":180,"text":14693,"spans":14694},"Special occasion gifts (birthday, wedding, newborn)",[],[14696],{"type":180,"text":14688,"spans":14697},[],{"col1":14699,"col2":14702},[14700],{"type":180,"text":8228,"spans":14701},[],[14703],{"type":180,"text":14704,"spans":14705},"No threshold - always tax-free",[],{"col1":14707,"col2":14711},[14708],{"type":180,"text":14709,"spans":14710},"Long service award (non-cash only)",[],[14712],{"type":180,"text":14713,"spans":14714},"$200 token value",[],{"col1":14716,"col2":14720},[14717],{"type":180,"text":14718,"spans":14719},"Retirement award (non-cash only)",[],[14721],{"type":180,"text":14713,"spans":14722},[],{"col1":14724,"col2":14728},[14725],{"type":180,"text":14726,"spans":14727},"Service Excellence Award",[],[14729],{"type":180,"text":14688,"spans":14730},[],{"col1":14732,"col2":14735},[14733],{"type":180,"text":8213,"spans":14734},[],[14736],{"type":180,"text":14688,"spans":14737},[],{"col1":14739,"col2":14743},[14740],{"type":180,"text":14741,"spans":14742},"Award for passing examination",[],[14744],{"type":180,"text":14688,"spans":14745},[],{"col1":14747,"col2":14751},[14748],{"type":180,"text":14749,"spans":14750},"Staff discount per item",[],[14752],{"type":180,"text":14753,"spans":14754},"$500 (item value, not discount value)",[],"table$fe4a4245-f475-4514-a51b-aa9d81cbc2bc",{"primary":14757,"items":14784,"id":14785,"slice_type":7941,"slice_label":107},{"text":14758},[14759,14762,14766,14770,14774,14777],{"type":180,"text":14760,"spans":14761},"Three things to flag about this table:",[],{"type":4229,"text":14763,"spans":14764},"Cliff edge - cross the threshold and the entire amount becomes taxable, not just the excess. A $250 birthday voucher is taxable on the full $250.",[14765],{"start":9,"end":3601,"type":3603},{"type":4229,"text":14767,"spans":14768},"Cash counts for festive and special occasion gifts - you do not have to give a hamper, you can give a $200 ang pow as long as it stays under the cap and goes to all eligible staff.",[14769],{"start":9,"end":7953,"type":3603},{"type":4229,"text":14771,"spans":14772},"Long service and retirement awards must be non-cash - cash long service awards lose the concession entirely. A nice watch under $200, fine. A $200 cheque, taxable.",[14773],{"start":9,"end":5401,"type":3603},{"type":180,"text":14775,"spans":14776},"The staff discount rule is the most underused. Any item your business sells, an employee can buy at staff price - and as long as the item retails under $500, the full discount is tax-free. The discount can even be extended to family, relatives and friends without losing the concession.",[],{"type":180,"text":14778,"spans":14779},"This is exactly why employee discount platforms like Dive Perk fit cleanly inside the concession: each redeemed offer sits below $500, the discount is on a non-cash benefit-in-kind (so no CPF), and the platform is offered to all staff (so the concession holds). Read more on what an employee discount programme is and why it qualifies for the IRAS treatment.",[14780],{"start":14781,"end":14782,"type":5402,"data":14783},275,313,{"link_type":69,"url":8736},[],"text$762dabba-e3e0-4730-a387-a201d2105d8b",{"primary":14787,"items":14788,"id":14789,"slice_type":8021,"slice_label":107},{},[],"divider$be55bf2f-c15c-429e-88dc-4e3bb4098fec",{"primary":14791,"items":14857,"id":14858,"slice_type":7941,"slice_label":107},{"text":14792},[14793,14795,14798,14804,14807,14810,14814,14818,14822,14826,14830,14834,14837,14840,14843,14847,14851,14854],{"type":7946,"text":14438,"spans":14794},[],{"type":180,"text":14796,"spans":14797},"Flexible benefits schemes - where each employee gets a yearly allowance to spend on a menu of perks - are increasingly popular. The tax handling is more nuanced than vendors will admit.",[],{"type":180,"text":14799,"spans":14800},"The CPF Board's official position is the opposite of what most founders assume:",[14801],{"start":8097,"end":8664,"type":5402,"data":14802},{"link_type":69,"url":14803},"https://www.cpf.gov.sg/service/article/are-cpf-contributions-payable-on-reimbursements-of-employee-flexible-benefits",{"type":180,"text":14805,"spans":14806},"In general, CPF contributions ARE payable on reimbursements made through flexible benefit schemes - because the cash payment increases the employee's wages.",[],{"type":180,"text":14808,"spans":14809},"Examples that DO attract CPF:",[],{"type":4229,"text":14811,"spans":14812},"Reimbursement of childcare expenses",[14813],{"start":9,"end":5400,"type":3603},{"type":4229,"text":14815,"spans":14816},"Reimbursement of eldercare expenses",[14817],{"start":9,"end":5400,"type":3603},{"type":4229,"text":14819,"spans":14820},"Reimbursement of gym subscription fees",[14821],{"start":9,"end":7992,"type":3603},{"type":4229,"text":14823,"spans":14824},"Reimbursement of holiday expenses",[14825],{"start":9,"end":8664,"type":3603},{"type":4229,"text":14827,"spans":14828},"Reimbursement of personal insurance premiums",[14829],{"start":9,"end":8365,"type":3603},{"type":4229,"text":14831,"spans":14832},"Reimbursement of personal mobile phone bills",[14833],{"start":9,"end":8365,"type":3603},{"type":180,"text":14835,"spans":14836},"So that \"$500 wellness allowance\" you offer? If you reimburse the gym membership receipt, you owe employer CPF on top, and the employee owes employee CPF on it. Same for the childcare claim. Same for the holiday booking.",[],{"type":171,"text":14838,"spans":14839},"The exceptions that DO NOT attract CPF",[],{"type":180,"text":14841,"spans":14842},"Two specific categories of reimbursement escape CPF:",[],{"type":4229,"text":14844,"spans":14845},"Medical and dental treatment - reimbursements for necessary treatment by registered doctors, TCM practitioners or dentists are not wages. This includes physiotherapy, chiropractic, health screenings, vaccinations, supplements and medical devices when ordered by a medical practitioner. Solely cosmetic procedures do not qualify.",[14846],{"start":9,"end":8536,"type":3603},{"type":4229,"text":14848,"spans":14849},"Official-purpose reimbursements - course fees and exam fees required for work, the work portion of mobile phone bills, professional membership fees needed for the job. These are reimbursements for company expenses, not wages.",[14850],{"start":9,"end":8469,"type":3603},{"type":180,"text":14852,"spans":14853},"Translation: a $500 medical-and-dental flex allowance is fully CPF-free. A $500 lifestyle flex allowance that includes gym, holiday, and personal mobile is fully CPF-able. Same headline number, very different employer cost.",[],{"type":180,"text":14855,"spans":14856},"The cleanest workaround is to keep the lifestyle and wellness piece as a true benefit-in-kind: corporate gym plan, corporate platform discounts, group medical insurance, group leisure passes. Once cash changes hands as a reimbursement, CPF clocks in.",[],[],"text$e11ded62-5330-45ca-8389-6b4aeb4a22eb",{"primary":14860,"items":14861,"id":14862,"slice_type":8021,"slice_label":107},{},[],"divider$65f6965f-a7af-4cb2-a587-9d57275698ad",{"primary":14864,"items":14871,"id":14872,"slice_type":7941,"slice_label":107},{"text":14865},[14866,14868],{"type":7946,"text":14444,"spans":14867},[],{"type":180,"text":14869,"spans":14870},"Here is the same $1,000 of perceived value delivered four different ways. Numbers assume a sub-55 Singapore Citizen on $5,000/month base, 7% marginal income tax.",[],[],"text$14849aae-8b74-48b0-aacd-569cf71ed4e6",{"primary":14874,"items":14879,"id":14964,"slice_type":8242,"slice_label":107},{"table_title":14875},[14876],{"type":171,"text":14877,"spans":14878},"Same $1,000 perceived value, 4 different routes",[],[14880,14901,14918,14933,14948],{"col1":14881,"col2":14886,"col3":14891,"col4":14896},[14882],{"type":180,"text":14883,"spans":14884},"Method",[14885],{"start":9,"end":11909,"type":3603},[14887],{"type":180,"text":14888,"spans":14889},"Employer cost",[14890],{"start":9,"end":5703,"type":3603},[14892],{"type":180,"text":14893,"spans":14894},"CPF + tax leak",[14895],{"start":9,"end":5511,"type":3603},[14897],{"type":180,"text":14898,"spans":14899},"Value to employee",[14900],{"start":9,"end":3602,"type":3603},{"col1":14902,"col2":14906,"col3":14910,"col4":14914},[14903],{"type":180,"text":14904,"spans":14905},"$1,000 cash bonus",[],[14907],{"type":180,"text":14908,"spans":14909},"$1,170",[],[14911],{"type":180,"text":14912,"spans":14913},"$426 (CPF + tax)",[],[14915],{"type":180,"text":14916,"spans":14917},"$744",[],{"col1":14919,"col2":14923,"col3":14926,"col4":14929},[14920],{"type":180,"text":14921,"spans":14922},"$1,000 group medical insurance topup (all staff)",[],[14924],{"type":180,"text":14009,"spans":14925},[],[14927],{"type":180,"text":9023,"spans":14928},[],[14930],{"type":180,"text":14931,"spans":14932},"$1,000 of cover",[],{"col1":14934,"col2":14938,"col3":14941,"col4":14944},[14935],{"type":180,"text":14936,"spans":14937},"$200 festive ang pow + $200 birthday voucher + $200 D&D lucky draw + $400 group medical",[],[14939],{"type":180,"text":14009,"spans":14940},[],[14942],{"type":180,"text":9023,"spans":14943},[],[14945],{"type":180,"text":14946,"spans":14947},"$1,000 of value",[],{"col1":14949,"col2":14953,"col3":14957,"col4":14960},[14950],{"type":180,"text":14951,"spans":14952},"$1,000 staff discount platform (Dive Perk-style, merchant-funded)",[],[14954],{"type":180,"text":14955,"spans":14956},"~$50/head subscription",[],[14958],{"type":180,"text":9023,"spans":14959},[],[14961],{"type":180,"text":14962,"spans":14963},"$500-1,000+ in real savings",[],"table__4_columns_$91b477da-ae4a-4c7a-9a79-c01ad3a5e18e",{"primary":14966,"items":14977,"id":14978,"slice_type":7941,"slice_label":107},{"text":14967},[14968,14971,14974],{"type":180,"text":14969,"spans":14970},"That last row is where employer-funded employee discount platforms quietly outperform every other option. Because the discount is funded by the merchant - the employer pays only a small per-head subscription - perceived value to the employee can be many times the employer's actual cost. And every dollar saved is CPF-free and tax-free under the staff discount concession.",[],{"type":180,"text":14972,"spans":14973},"This does not mean cash bonuses are bad. They are flexible, easy to administer, and employees genuinely value them. The point is to stop treating cash as the default and start mixing it with the tax-free options that IRAS has explicitly allowed.",[],{"type":180,"text":14975,"spans":14976},"A reasonable rule of thumb for a 10-person SME: cap the cash bonus at what is genuinely competitive (1 to 2 months for a typical SME), then layer the rest of the reward budget into tax-exempt benefits. The total perceived value goes up while the employer cost goes down.",[],[],"text$73014f8d-f52c-4679-977f-72434d36af18",{"primary":14980,"items":14981,"id":14982,"slice_type":8021,"slice_label":107},{},[],"divider$489d0e7f-9ec3-4b14-9258-94993e56cef4",{"primary":14984,"items":14991,"id":14992,"slice_type":7941,"slice_label":107},{"text":14985},[14986,14988],{"type":7946,"text":14450,"spans":14987},[],{"type":180,"text":14989,"spans":14990},"To make this concrete, here is a sample yearly benefits stack for a 10-person Singapore SME, designed entirely from the IRAS admin concession list. Every line is tax-free for the employee and CPF-free for the employer.",[],[],"text$ef80046f-8092-4907-890e-df4eae4a7a07",{"primary":14994,"items":14999,"id":15129,"slice_type":8948,"slice_label":107},{"table_title":14995},[14996],{"type":171,"text":14997,"spans":14998},"Annual stack per employee, 10-person SME",[],[15000,15016,15029,15041,15053,15065,15078,15090,15103,15116],{"col1":15001,"col2":15006,"col3":15011},[15002],{"type":180,"text":15003,"spans":15004},"Benefit",[15005],{"start":9,"end":9763,"type":3603},[15007],{"type":180,"text":15008,"spans":15009},"Annual cost / head",[15010],{"start":9,"end":9667,"type":3603},[15012],{"type":180,"text":15013,"spans":15014},"IRAS treatment",[15015],{"start":9,"end":5511,"type":3603},{"col1":15017,"col2":15021,"col3":15025},[15018],{"type":180,"text":15019,"spans":15020},"Group hospitalisation + outpatient + dental insurance",[],[15022],{"type":180,"text":15023,"spans":15024},"$300-600",[],[15026],{"type":180,"text":15027,"spans":15028},"Tax-free, CPF-free (concession #9 + #2)",[],{"col1":15030,"col2":15034,"col3":15037},[15031],{"type":180,"text":15032,"spans":15033},"Festive ang pow x3 (CNY, Hari Raya, Deepavali) at $150 each",[],[15035],{"type":180,"text":9010,"spans":15036},[],[15038],{"type":180,"text":15039,"spans":15040},"Tax-free under festive gift concession (under $200 cap)",[],{"col1":15042,"col2":15046,"col3":15049},[15043],{"type":180,"text":15044,"spans":15045},"Birthday voucher (e.g. $100)",[],[15047],{"type":180,"text":13397,"spans":15048},[],[15050],{"type":180,"text":15051,"spans":15052},"Tax-free under special occasion concession",[],{"col1":15054,"col2":15058,"col3":15061},[15055],{"type":180,"text":15056,"spans":15057},"Annual D&D + lucky draw share",[],[15059],{"type":180,"text":9074,"spans":15060},[],[15062],{"type":180,"text":15063,"spans":15064},"Tax-free under camaraderie concession",[],{"col1":15066,"col2":15070,"col3":15074},[15067],{"type":180,"text":15068,"spans":15069},"Employee discount platform subscription (e.g. Dive Perk)",[],[15071],{"type":180,"text":15072,"spans":15073},"$50-100",[],[15075],{"type":180,"text":15076,"spans":15077},"Tax-free, employee saves multiples of this on real spend",[],{"col1":15079,"col2":15083,"col3":15086},[15080],{"type":180,"text":15081,"spans":15082},"Subsidised lunches / pantry stocking",[],[15084],{"type":180,"text":8110,"spans":15085},[],[15087],{"type":180,"text":15088,"spans":15089},"Tax-free under food and drinks concession",[],{"col1":15091,"col2":15095,"col3":15099},[15092],{"type":180,"text":15093,"spans":15094},"Free home-to-office shuttle slot or transport pickup",[],[15096],{"type":180,"text":15097,"spans":15098},"$0-100",[],[15100],{"type":180,"text":15101,"spans":15102},"Tax-free under workplace transport concession",[],{"col1":15104,"col2":15108,"col3":15112},[15105],{"type":180,"text":15106,"spans":15107},"Course fee subsidy ($500 cap, used or not)",[],[15109],{"type":180,"text":15110,"spans":15111},"avg $250",[],[15113],{"type":180,"text":15114,"spans":15115},"Tax-free under upskilling concession",[],{"col1":15117,"col2":15121,"col3":15125},[15118],{"type":180,"text":15119,"spans":15120},"Total benefits package",[],[15122],{"type":180,"text":15123,"spans":15124},"approx. $1,500-2,000",[],[15126],{"type":180,"text":15127,"spans":15128},"100% outside CPF and income tax",[],"table3$9c8c46cd-6a3c-4c78-b531-c8cd9a25beaa",{"primary":15131,"items":15143,"id":15144,"slice_type":7941,"slice_label":107},{"text":15132},[15133,15136],{"type":180,"text":15134,"spans":15135},"That same $1,500-2,000 of value, delivered as cash, would cost you closer to $2,000-2,700 once you add employer CPF, and the employee would pocket roughly 64 cents on every dollar. The benefits stack delivers the same dollar value at lower employer cost, with zero leak.",[],{"type":180,"text":15137,"spans":15138},"The discount platform line is the highest-impact one for a small headcount: a per-head subscription of $50-100/year unlocks deals that an active employee can easily save $300-1,000 on annually. Have a look at the types of employee perks that work best in Singapore for ideas on what to include.",[15139],{"start":15140,"end":15141,"type":5402,"data":15142},213,251,{"link_type":69,"url":10482},[],"text$c873aeae-c675-4b50-a1dd-6e354498f9e2",{"primary":15146,"items":15147,"id":15148,"slice_type":8021,"slice_label":107},{},[],"divider$7d2a131d-7601-4a3f-bd09-5a42468431c4",{"id":15150,"uid":15151,"url":107,"type":7846,"href":15152,"tags":15153,"first_publication_date":15156,"last_publication_date":15157,"slugs":15158,"linked_documents":15160,"lang":115,"alternate_languages":15161,"data":15162},"ad8mEhIAACgAgVsR","nsman-perks-safra-hometeamns-benefits-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ad8mEhIAACgAgVsR%22%29+%5D%5D",[7851,15154,15155],"lifestyle","government","2026-04-15T06:48:40+0000","2026-05-04T10:17:12+0000",[15159],"nsman-perks-nobody-uses-the-1000year-in-benefits-youre-leaving-on-the-table",[],[],{"title":15163,"seo_title":15167,"seo_meta_description":15171,"featured":16,"expired":16,"noindex":16,"cover_image":15175,"date":15181,"author_link":15182,"body":15185},[15164],{"type":120,"text":15165,"spans":15166},"NSman Perks Nobody Uses: The $1,000+/Year in Benefits You're Leaving on the Table",[],[15168],{"type":120,"text":15169,"spans":15170},"NSman Benefits Singapore 2026: SAFRA, HomeTeamNS, NS HOME Award, Tax Relief - Complete Guide",[],[15172],{"type":120,"text":15173,"spans":15174},"Every NSman perk in Singapore you're probably not using. SAFRA deals, HomeTeamNS facilities, NS HOME Award ($17K+), tax relief ($1,500-5,000/year), EnergyOne gym, free movies, fuel perks - the complete guide for 2026.",[],{"dimensions":15176,"alt":15177,"copyright":107,"url":15178,"id":15179,"edit":15180},{"width":7872,"height":7873},"nsmen special perks and savings","https://images.prismic.io/dive/ad8xR51ZCF7ETMwW_rogan-yeoh-YKF2coNb2zM-unsplash.jpg?auto=format,compress","ad8xR51ZCF7ETMwW",{"x":9,"y":9,"zoom":5194,"background":5195},"2026-04-15",{"id":7880,"type":7881,"tags":15183,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":15184,"isBroken":16},[],"3bf1d8ad-72eb-4c29-aa23-bc3f8e316464",[15186,15204,15253,15257,15268,15345,15374,15378,15389,15452,15463,15467,15546,15550,15612,15616,15627,15691,15702,15706,15743,15747,15786,15790],{"primary":15187,"items":15202,"id":15203,"slice_type":7941,"slice_label":107},{"text":15188},[15189,15192,15195,15198],{"type":180,"text":15190,"spans":15191},"If you’ve completed National Service in Singapore, you’re sitting on a stack of perks, tax savings, and government payouts that most NSmen either don’t know about or never bother to use. SAFRA emails go unopened. The NS HOME Award milestones tick by unchecked. Tax relief gets auto-applied but never noticed. Free movie tickets go unclaimed.",[],{"type":180,"text":15193,"spans":15194},"I went through the various NS-related portals, club memberships, and tax rules so you don’t have to.",[],{"type":180,"text":15196,"spans":15197},"Realistically, most NSmen can squeeze $300–1,200 a year out of these perks - and comfortably clear $1,000 if they actively use a few of the big ones. This guide maps every NSman benefit available in 2026, with exact dollar values, so you can decide which ones are actually worth your time.",[],{"type":180,"text":15199,"spans":15200},"Sources: safra.sg, hometeamns.sg, ns.gov.sg, iras.gov.sg.",[15201],{"start":9,"end":14428,"type":7900},[],"text$7ee6995f-8b0b-4733-ad02-830fe9dc3aa4",{"primary":15205,"items":15251,"id":15252,"slice_type":7941,"slice_label":107},{"text":15206},[15207,15209,15215,15221,15227,15233,15239,15245],{"type":7946,"text":7947,"spans":15208},[],{"type":9316,"text":15210,"spans":15211},"NS HOME Award - $17,000-18,500 in CPF and credits",[15212],{"start":9,"end":8701,"type":5402,"data":15213},{"link_type":69,"url":15214},"#1-ns-home-award-17-000-18-500-in-cpf-and-credits",{"type":9316,"text":15216,"spans":15217},"NSman Tax Relief - $1,500-5,000 every year (automatic)",[15218],{"start":9,"end":11848,"type":5402,"data":15219},{"link_type":69,"url":15220},"#2-nsman-tax-relief-1-500-5-000-every-year-automatic-",{"type":9316,"text":15222,"spans":15223},"SAFRA membership - what you actually get for $30/year",[15224],{"start":9,"end":8012,"type":5402,"data":15225},{"link_type":69,"url":15226},"#3-safra-membership-what-you-actually-get-for-30-year",{"type":9316,"text":15228,"spans":15229},"HomeTeamNS - the Home Team equivalent (and reciprocal access)",[15230],{"start":9,"end":8360,"type":5402,"data":15231},{"link_type":69,"url":15232},"#4-hometeamns-the-home-team-equivalent-and-reciprocal-access-",{"type":9316,"text":15234,"spans":15235},"EnergyOne gym - the $45/month gym most people don’t know about",[15236],{"start":9,"end":13245,"type":5402,"data":15237},{"link_type":69,"url":15238},"#5-energyone-gym-the-45-month-gym-most-people-don-t-know-about",{"type":9316,"text":15240,"spans":15241},"The perks most NSmen actually miss",[15242],{"start":9,"end":8416,"type":5402,"data":15243},{"link_type":69,"url":15244},"#6-the-perks-most-nsmen-actually-miss",{"type":9316,"text":15246,"spans":15247},"The 10-minute setup checklist",[15248],{"start":9,"end":8302,"type":5402,"data":15249},{"link_type":69,"url":15250},"#7-the-10-minute-setup-checklist",[],"text$c0c3e978-3f17-4c5b-941f-d2cf6a281c04",{"primary":15254,"items":15255,"id":15256,"slice_type":8021,"slice_label":107},{},[],"divider$a4e81df7-b273-43a3-9d49-b031ff3273b9",{"primary":15258,"items":15266,"id":15267,"slice_type":7941,"slice_label":107},{"text":15259},[15260,15263],{"type":7946,"text":15261,"spans":15262},"1. NS HOME Award - $17,000-18,500 in CPF and credits",[],{"type":180,"text":15264,"spans":15265},"This is the single largest NSman benefit most people don’t pay attention to. The NS HOME Award is a multi-stage payout totalling $17,000 (non-commanders) to $18,500 (commanders, 3SG and above) - distributed across three milestones in your NS cycle. Nice!",[],[],"text$e95f4d33-59bc-43b4-a5d2-79dffcfbbfd2",{"primary":15269,"items":15274,"id":15344,"slice_type":8948,"slice_label":107},{"table_title":15270},[15271],{"type":171,"text":15272,"spans":15273},"NS HOME Award Milestones",[],[15275,15291,15305,15318,15329],{"col1":15276,"col2":15281,"col3":15286},[15277],{"type":180,"text":15278,"spans":15279},"Milestone",[15280],{"start":9,"end":8091,"type":3603},[15282],{"type":180,"text":15283,"spans":15284},"Payout",[15285],{"start":9,"end":11909,"type":3603},[15287],{"type":180,"text":15288,"spans":15289},"Breakdown",[15290],{"start":9,"end":8091,"type":3603},{"col1":15292,"col2":15296,"col3":15301},[15293],{"type":180,"text":15294,"spans":15295},"1. Finish Full-Time NS",[],[15297],{"type":180,"text":15298,"spans":15299},"$6,000",[15300],{"start":9,"end":11909,"type":3603},[15302],{"type":180,"text":15303,"spans":15304},"$3K PSEA + $2K CPF MediSave + $1K LifeSG Credits",[],{"col1":15306,"col2":15310,"col3":15314},[15307],{"type":180,"text":15308,"spans":15309},"2. Mid-Point of NS Cycle",[],[15311],{"type":180,"text":15312,"spans":15313},"$5,500",[],[15315],{"type":180,"text":15316,"spans":15317},"$3K CPF-OA + $2K CPF MediSave + $500 LifeSG Credits",[],{"col1":15319,"col2":15323,"col3":15326},[15320],{"type":180,"text":15321,"spans":15322},"3. End of NS Cycle",[],[15324],{"type":180,"text":15312,"spans":15325},[],[15327],{"type":180,"text":15316,"spans":15328},[],{"col1":15330,"col2":15335,"col3":15340},[15331],{"type":180,"text":15332,"spans":15333},"Total",[15334],{"start":9,"end":11655,"type":3603},[15336],{"type":180,"text":15337,"spans":15338},"$17,000",[15339],{"start":9,"end":9763,"type":3603},[15341],{"type":180,"text":15342,"spans":15343},"+$500/milestone for Commanders = $18,500",[],"table3$de088497-fe51-4dba-8a1c-ea4878b52bd9",{"primary":15346,"items":15372,"id":15373,"slice_type":7941,"slice_label":107},{"text":15347},[15348,15351,15354,15357,15361,15365,15369],{"type":180,"text":15349,"spans":15350},"The $2,000 in LifeSG Credits across the three milestones is for immediate spending at any PayNow UEN QR or NETS QR merchant. ",[],{"type":180,"text":15352,"spans":15353},"The CPF top-ups ($9K to OA, $6K to MediSave) support your housing and healthcare. The $3K PSEA goes toward post-secondary education.",[],{"type":180,"text":15355,"spans":15356},"Most people only notice the first $6,000 at ORD - and completely forget the remaining $11,000+ that comes later over the years. Set a reminder so you actually notice when each tranche lands.",[],{"type":4229,"text":15358,"spans":15359},"Eligibility - Singapore Citizen who enlisted on or after 1 December 2011 and finished full-time NS on or after 1 December 2013.",[15360],{"start":9,"end":5452,"type":3603},{"type":4229,"text":15362,"spans":15363},"Performance requirement - no outstanding IPPT offences or E-gradings within the last 3 years.",[15364],{"start":9,"end":8794,"type":3603},{"type":4229,"text":15366,"spans":15367},"Disbursement - credited via the LifeSG app within 3 months of reaching each milestone.",[15368],{"start":9,"end":7014,"type":3603},{"type":180,"text":15370,"spans":15371},"Check your milestone status via the LifeSG app or OneNS portal (ns.gov.sg).",[],[],"text$a56d35d5-c517-40fc-ae2d-44217a26dcfa",{"primary":15375,"items":15376,"id":15377,"slice_type":8021,"slice_label":107},{},[],"divider$42bc6097-e530-4054-89e6-d97dfc21a911",{"primary":15379,"items":15387,"id":15388,"slice_type":7941,"slice_label":107},{"text":15380},[15381,15384],{"type":7946,"text":15382,"spans":15383},"2. NSman Tax Relief - $1,500-5,000 every year (automatic)",[],{"type":180,"text":15385,"spans":15386},"Every NSman gets a tax relief automatically applied to their IRAS tax assessment - no application needed. MINDEF/MHA sends the data directly to IRAS. Most NSmen don’t even notice because it happens in the background. But do double check!",[],[],"text$0f8af813-3964-4486-84c5-b36ad7421f05",{"primary":15390,"items":15395,"id":15451,"slice_type":10589,"slice_label":107},{"table_title":15391},[15392],{"type":171,"text":15393,"spans":15394},"NSman Tax Relief (YA 2026)",[],[15396,15407,15416,15424,15433,15442],{"col1":15397,"col2":15402},[15398],{"type":180,"text":15399,"spans":15400},"Category",[15401],{"start":9,"end":8085,"type":3603},[15403],{"type":180,"text":15404,"spans":15405},"Relief Amount",[15406],{"start":9,"end":5703,"type":3603},{"col1":15408,"col2":15412},[15409],{"type":180,"text":15410,"spans":15411},"NSman (base, non-active)",[],[15413],{"type":180,"text":15414,"spans":15415},"$1,500",[],{"col1":15417,"col2":15421},[15418],{"type":180,"text":15419,"spans":15420},"Active NSman (attended ICT)",[],[15422],{"type":180,"text":12593,"spans":15423},[],{"col1":15425,"col2":15429},[15426],{"type":180,"text":15427,"spans":15428},"Key Appointment Holder (active)",[],[15430],{"type":180,"text":15431,"spans":15432,"direction":123},"Up to $5,000",[],{"col1":15434,"col2":15438},[15435],{"type":180,"text":15436,"spans":15437},"NSman’s Wife",[],[15439],{"type":180,"text":15440,"spans":15441},"$750",[],{"col1":15443,"col2":15447},[15444],{"type":180,"text":15445,"spans":15446},"NSman’s Parent",[],[15448],{"type":180,"text":15449,"spans":15450},"$750 per parent",[],"table$19efface-c5f8-42e4-a74a-ff9664a8b8d6",{"primary":15453,"items":15461,"id":15462,"slice_type":7941,"slice_label":107},{"text":15454},[15455,15458],{"type":180,"text":15456,"spans":15457},"What this means in dollar savings: if you’re an active NSman earning $60,000/year (taxable), the $3,000 relief saves you about $210-330 in actual tax paid, depending on your marginal tax rate. For a KAH at $5,000 relief, the savings are $350-550. Not huge per year - but it’s completely free and automatic over your entire NSman cycle.",[],{"type":180,"text":15459,"spans":15460},"Your wife and parents can also claim their $750 relief each - just make sure they tick the NSman-related relief when filing.",[],[],"text$dc17bb74-97fb-4130-be05-88210da01d20",{"primary":15464,"items":15465,"id":15466,"slice_type":8021,"slice_label":107},{},[],"divider$eaa8381e-83a0-4cbc-890f-101b81c51b0f",{"primary":15468,"items":15544,"id":15545,"slice_type":7941,"slice_label":107},{"text":15469},[15470,15473,15476,15479,15482,15486,15490,15494,15498,15501,15504,15508,15512,15516,15520,15524,15528,15532,15536,15540],{"type":7946,"text":15471,"spans":15472},"3. SAFRA membership - what you actually get for $30/year",[],{"type":180,"text":15474,"spans":15475},"SAFRA is the club network for SAF NSmen. Most NSmen sign up, get the card, and then… never use it. That’s a waste, because the membership costs roughly $30-44 per year and the perks easily exceed that if you use even a fraction of them.",[],{"type":180,"text":15477,"spans":15478},"Honestly, most people won’t use half of what SAFRA offers. That’s fine - the point is knowing which perks are worth your time so you can cherry-pick the ones that fit your life.",[],{"type":171,"text":15480,"spans":15481},"Membership cost",[],{"type":4229,"text":15483,"spans":15484},"NSmen (Ordinary A) - currently ~$60 for 2 years (~$30/year) during promotional periods. Regular price is $87.20 for 2 years.",[15485],{"start":9,"end":9667,"type":3603},{"type":4229,"text":15487,"spans":15488},"Full-time NSFs - complimentary membership. But you must register to access the perks and vouchers.",[15489],{"start":9,"end":5511,"type":3603},{"type":4229,"text":15491,"spans":15492},"Dependents - ~$43.60 for 2 years with a principal member.",[15493],{"start":9,"end":3601,"type":3603},{"type":4229,"text":15495,"spans":15496},"SAFRA DBS Card - applying for the co-branded SAFRA DBS Credit Card gives you 2 years free membership. The card itself has no annual fee.",[15497],{"start":9,"end":5511,"type":3603},{"type":171,"text":15499,"spans":15500},"The perks worth knowing about",[],{"type":180,"text":15502,"spans":15503},"The truth is most of these perks are forgettable. The ones below are the few actually worth caring about.",[],{"type":4229,"text":15505,"spans":15506},"Free movie tickets - SAFRA runs 10+ movie contests per year. Answer a simple question and you can win free tickets to blockbuster screenings. There are hundreds of pairs per contest, so your chances are decent.",[15507],{"start":9,"end":9667,"type":3603},{"type":4229,"text":15509,"spans":15510},"SAFRAPoints - $1 spent at SAFRA clubs and participating merchants = 1 SAFRAPoint. Every 100 points = $2 value (effectively a 2% rebate). Double points during your birthday month.",[15511],{"start":9,"end":5452,"type":3603},{"type":4229,"text":15513,"spans":15514},"1,500+ merchant deals - discounts at restaurants, retail, services. Up to 3% cash rebate at all retail merchants when paying with SAFRA DBS Card.",[15515],{"start":9,"end":13946,"type":3603},{"type":4229,"text":15517,"spans":15518},"Fuel perks - petrol discounts at selected stations for SAFRA members.",[15519],{"start":9,"end":3601,"type":3603},{"type":4229,"text":15521,"spans":15522},"Club facilities - swimming pools, bowling alleys, gyms, entertainment at 7 clubs islandwide (Choa Chu Kang, Jurong, Mt Faber, Punggol, Tampines, Toa Payoh, Yishun).",[15523],{"start":9,"end":10357,"type":3603},{"type":4229,"text":15525,"spans":15526},"Bond-Free Education Scheme - education sponsorships for members. No bond attached.",[15527],{"start":9,"end":9277,"type":3603},{"type":4229,"text":15529,"spans":15530},"Free legal information - SAFRA Legal Information Service for basic legal guidance.",[15531],{"start":9,"end":8794,"type":3603},{"type":4229,"text":15533,"spans":15534},"Sentosa privileges - discounted attraction passes for members.",[15535],{"start":9,"end":9667,"type":3603},{"type":4229,"text":15537,"spans":15538},"Shaw Theatres discounts - ongoing cinema deals beyond the free movie contests.",[15539],{"start":9,"end":7475,"type":3603},{"type":4229,"text":15541,"spans":15542},"NSRCC and D’Resort - resort and staycation access at National Service Resort & Country Club.",[15543],{"start":9,"end":9667,"type":3603},[],"text$026dadbb-151b-43fd-8343-8d38f36c4784",{"primary":15547,"items":15548,"id":15549,"slice_type":8021,"slice_label":107},{},[],"divider$c49778db-9e67-41b1-9156-8fedaeca92d2",{"primary":15551,"items":15610,"id":15611,"slice_type":7941,"slice_label":107},{"text":15552},[15553,15556,15559,15561,15565,15569,15573,15577,15580,15584,15588,15592,15596,15600,15604,15607],{"type":7946,"text":15554,"spans":15555},"4. HomeTeamNS - the Home Team equivalent (and reciprocal access)",[],{"type":180,"text":15557,"spans":15558},"If you served in SPF (Police) or SCDF (Civil Defence), HomeTeamNS is your equivalent of SAFRA. They operate 3 clubhouses, and some of the facilities are better than most people expect.",[],{"type":171,"text":15480,"spans":15560},[],{"type":4229,"text":15562,"spans":15563},"Ordinary Member - $54.50 for 2 years, $109 for 5 years, $163.50 for 10 years (inclusive of GST).",[15564],{"start":9,"end":10357,"type":3603},{"type":4229,"text":15566,"spans":15567},"Family Member - $21.80 for 2 years (spouse, parents, children under 21).",[15568],{"start":9,"end":5703,"type":3603},{"type":4229,"text":15570,"spans":15571},"Infinity Membership - new option for eligible members aged 30+. Lifetime membership that never expires.",[15572],{"start":9,"end":7423,"type":3603},{"type":4229,"text":15574,"spans":15575},"Sign-up gifts - $10 GrabGifts voucher for 5-year membership, $20 for 10-year.",[15576],{"start":9,"end":5703,"type":3603},{"type":171,"text":15578,"spans":15579},"Standout facilities",[],{"type":4229,"text":15581,"spans":15582},"Adventure HQ (Khatib) - a 4-storey, 2,800sqm indoor adventure hub with climbing walls and obstacle courses.",[15583],{"start":9,"end":13946,"type":3603},{"type":4229,"text":15585,"spans":15586},"Fitness Workz - gyms across all 3 clubhouses, including NS Fit programmes and virtual fitness training.",[15587],{"start":9,"end":5703,"type":3603},{"type":4229,"text":15589,"spans":15590},"T-Play Indoor Playground - for kids, with interactive play elements. Great for families.",[15591],{"start":9,"end":6267,"type":3603},{"type":4229,"text":15593,"spans":15594},"ManCaves - private entertainment rooms at Bedok Reservoir and Khatib (KTV, gaming, BBQ).",[15595],{"start":9,"end":8085,"type":3603},{"type":4229,"text":15597,"spans":15598},"East Villa and West Villa - chalets and staycation facilities.",[15599],{"start":9,"end":6407,"type":3603},{"type":4229,"text":15601,"spans":15602},"Preschool discounts - $50-100 off monthly fees at Learning Leap, Little Footprints, and KiddiWinkie. Over a year, that’s $600-1,200 in savings.",[15603],{"start":9,"end":7423,"type":3603},{"type":171,"text":15605,"spans":15606},"Reciprocal access",[],{"type":180,"text":15608,"spans":15609},"HomeTeamNS members get reciprocal access to SAFRA clubs, and vice versa. You can also access Civil Service Club (CSC) facilities at affiliated rates. So even if you’re a Home Team NSman, you’re not limited to 3 clubhouses - you effectively have access to 10+ clubs across the island.",[],[],"text$e1860577-9717-414b-b630-e63412f773f7",{"primary":15613,"items":15614,"id":15615,"slice_type":8021,"slice_label":107},{},[],"divider$893bcefa-28d2-4639-906a-a5a5ee653e05",{"primary":15617,"items":15625,"id":15626,"slice_type":7941,"slice_label":107},{"text":15618},[15619,15622],{"type":7946,"text":15620,"spans":15621},"5. EnergyOne gym - the $45/month gym most people don’t know about",[],{"type":180,"text":15623,"spans":15624},"EnergyOne is SAFRA’s gym chain, operating across all 7 SAFRA clubs. For SAFRA members, it’s one of the best-value gym memberships in Singapore - significantly cheaper than commercial chains like Anytime Fitness ($70-100/month) or Virgin Active ($150+/month).",[],[],"text$10ee1746-93a6-4f1d-b899-8405b9f7a3da",{"primary":15628,"items":15633,"id":15690,"slice_type":10589,"slice_label":107},{"table_title":15629},[15630],{"type":171,"text":15631,"spans":15632},"EnergyOne Gym Rates (April 2026)",[],[15634,15645,15654,15663,15672,15681],{"col1":15635,"col2":15640},[15636],{"type":180,"text":15637,"spans":15638},"Membership Type",[15639],{"start":9,"end":10357,"type":3603},[15641],{"type":180,"text":15642,"spans":15643},"Rate",[15644],{"start":9,"end":8097,"type":3603},{"col1":15646,"col2":15650},[15647],{"type":180,"text":15648,"spans":15649},"SAFRA Platinum Member",[],[15651],{"type":180,"text":15652,"spans":15653},"~$45/month (18-month term)",[],{"col1":15655,"col2":15659},[15656],{"type":180,"text":15657,"spans":15658},"SAFRA Dependent Member",[],[15660],{"type":180,"text":15661,"spans":15662},"~$35/month",[],{"col1":15664,"col2":15668},[15665],{"type":180,"text":15666,"spans":15667},"Non-Member (Guest Term)",[],[15669],{"type":180,"text":15670,"spans":15671},"~$60-70/month",[],{"col1":15673,"col2":15677},[15674],{"type":180,"text":15675,"spans":15676},"ORD Personnel (special)",[],[15678],{"type":180,"text":15679,"spans":15680,"direction":123},"~$300/12 months ($25/month)",[],{"col1":15682,"col2":15686},[15683],{"type":180,"text":15684,"spans":15685},"Guest (per entry)",[],[15687],{"type":180,"text":15688,"spans":15689},"$13.10-21.80 (peak/off-peak)",[],"table$71f08dd0-7b09-4d4c-aaa6-50211d0414db",{"primary":15692,"items":15700,"id":15701,"slice_type":7941,"slice_label":107},{"text":15693},[15694,15697],{"type":180,"text":15695,"spans":15696},"The ORD personnel rate of $25/month is the standout deal - if you’ve recently ORD’d, lock in 12 months at $300 total before it expires. Memberships include access to all 7 EnergyOne locations plus saunas and jacuzzis where available.",[],{"type":180,"text":15698,"spans":15699},"There’s currently a 50% off joining fees promotion running (April 2026). Joining fee drops to ~$95-110 depending on membership type. Check SAFRA EnergyOne’s page for the latest.",[],[],"text$2874b410-5ff9-45ee-a18b-29fc38d5ba9e",{"primary":15703,"items":15704,"id":15705,"slice_type":8021,"slice_label":107},{},[],"divider$16d6b242-f0a9-46e9-a403-52906293862f",{"primary":15707,"items":15741,"id":15742,"slice_type":7941,"slice_label":107},{"text":15708},[15709,15712,15715,15719,15723,15727,15731,15735],{"type":7946,"text":15710,"spans":15711},"6. The perks most NSmen actually miss",[],{"type":180,"text":15713,"spans":15714},"Beyond the big-ticket items above, here are the specific perks that NSmen consistently overlook:",[],{"type":4229,"text":15716,"spans":15717},"Movie Treats contests - SAFRA gives away hundreds of pairs of free movie tickets per contest, 10+ times a year. Just log in to the SAFRA app and answer one question. Your odds are better than you’d think.",[15718],{"start":9,"end":13946,"type":3603},{"type":4229,"text":15720,"spans":15721},"Birthday double SAFRAPoints - spend at any SAFRA club or participating merchant during your birthday month and earn double points. If you’re going to eat out or use facilities that month anyway, do it at SAFRA.",[15722],{"start":9,"end":9696,"type":3603},{"type":4229,"text":15724,"spans":15725},"SAFRA fuel perks - petrol discounts for members at selected stations. Stack this with a petrol credit card for maximum savings.",[15726],{"start":9,"end":6275,"type":3603},{"type":4229,"text":15728,"spans":15729},"HomeTeamNS preschool discounts - $50-100 off monthly school fees at three preschool chains. Over a year that’s $600-1,200 - far more than the membership costs.",[15730],{"start":9,"end":5512,"type":3603},{"type":4229,"text":15732,"spans":15733},"Tax relief for your wife and parents - $750 each, claimed separately on their own tax returns. Most NSmen don’t tell their family members about this.",[15734],{"start":9,"end":8528,"type":3603},{"type":180,"text":15736,"spans":15737},"For even more savings on petrol, check our guide to every petrol loyalty programme in Singapore.",[15738],{"start":8307,"end":14285,"type":5402,"data":15739},{"link_type":69,"url":15740,"target":186},"https://divedeals.sg/blog/petrol-loyalty-programme-singapore-save-fuel",[],"text$7079effc-7f9c-46e9-8dc5-dfe5d7a693c9",{"primary":15744,"items":15745,"id":15746,"slice_type":8021,"slice_label":107},{},[],"divider$ca8394d0-0a28-45aa-b42d-8c291b431ede",{"primary":15748,"items":15784,"id":15785,"slice_type":7941,"slice_label":107},{"text":15749},[15750,15753,15756,15760,15764,15768,15772,15776,15780],{"type":7946,"text":15751,"spans":15752},"7. The 10-minute setup checklist",[],{"type":180,"text":15754,"spans":15755},"Here’s how to make sure you’re not leaving anything on the table:",[],{"type":9316,"text":15757,"spans":15758},"Download the SAFRA app (or HomeTeamNS app) - access your e-card, browse deals, enter movie contests, and check SAFRAPoints balance.",[15759],{"start":9,"end":7999,"type":3603},{"type":9316,"text":15761,"spans":15762},"Check your NS HOME Award status on LifeSG - log in and see which milestones you’ve hit and what’s been credited.",[15763],{"start":9,"end":7999,"type":3603},{"type":9316,"text":15765,"spans":15766},"Verify your NSman tax relief on myTax Portal - it’s automatic, but check it’s been applied correctly. YA 2026 deadline is 18 April 2026.",[15767],{"start":9,"end":8365,"type":3603},{"type":9316,"text":15769,"spans":15770},"Tell your wife and parents to claim their $750 relief - they claim it on their own tax returns under NSman Wife/Parent Relief.",[15771],{"start":9,"end":8012,"type":3603},{"type":9316,"text":15773,"spans":15774},"Consider the SAFRA DBS Card - 2 years free SAFRA membership + up to 3% cash rebate at merchants + no annual fee. It’s the lowest-effort way to stack SAFRA benefits.",[15775],{"start":9,"end":9696,"type":3603},{"type":9316,"text":15777,"spans":15778},"Bookmark the SAFRA promotions page - safra.sg/promotions updates regularly with new merchant deals, Sentosa privileges, and fuel perks.",[15779],{"start":9,"end":8416,"type":3603},{"type":9316,"text":15781,"spans":15782},"If you recently ORD’d, grab the EnergyOne $25/month deal - $300 for a full year at 7 gym locations. One of the best-value gym options if you live near a SAFRA club.",[15783],{"start":9,"end":6960,"type":3603},[],"text$3fd347f8-02e2-4931-94f6-2bcae67cab69",{"primary":15787,"items":15788,"id":15789,"slice_type":8021,"slice_label":107},{},[],"divider$3f9d43b8-b66e-4d0c-9f5d-e4b8fb2002e2",{"primary":15791,"items":15805,"id":15806,"slice_type":7941,"slice_label":107},{"text":15792},[15793,15796],{"type":180,"text":15794,"spans":15795},"Singapore has a surprising number of these hidden money systems - benefits you technically have, but only capture if you know where to look.",[],{"type":180,"text":15797,"spans":15798},"Check out our new parent money stack guide and our guide to free things in Singapore for more.",[15799,15802],{"start":5511,"end":6406,"type":5402,"data":15800},{"link_type":69,"url":15801},"https://divedeals.sg/blog/new-parent-money-stack-baby-bonus-singapore",{"start":9477,"end":12359,"type":5402,"data":15803},{"link_type":69,"url":15804},"https://divedeals.sg/blog/free-things-in-singapore-hidden-gems",[],"text$e86a359b-d3bc-4ecd-8314-56d7a998d1d3",{"id":15808,"uid":15809,"url":107,"type":7846,"href":15810,"tags":15811,"first_publication_date":15812,"last_publication_date":15813,"slugs":15814,"linked_documents":15816,"lang":115,"alternate_languages":15817,"data":15818},"afisrRAAACIAX779","how-to-use-lifesg-credits-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afisrRAAACIAX779%22%29+%5D%5D",[8751,8752,7851],"2026-05-04T14:36:59+0000","2026-05-04T14:55:45+0000",[15815],"lifesg-credits-singapore-2026-how-to-use-cash-out-and-where-to-spend-your-500-child-1000-large-family-and-200-ns-credits",[],[],{"title":15819,"seo_title":15823,"seo_meta_description":15827,"featured":16,"expired":16,"noindex":16,"cover_image":15831,"date":11793,"author_link":15839,"body":15842},[15820],{"type":120,"text":15821,"spans":15822},"LifeSG Credits Singapore (2026): How to Use, Cash Out, and Where to Spend Your $500 Child, $1,000 Large Family and $200 NS Credits",[],[15824],{"type":120,"text":15825,"spans":15826},"LifeSG Credits Singapore (2026): Use, Cash Out, Merchants",[],[15828],{"type":120,"text":15829,"spans":15830,"direction":123},"How to check, spend and cash out your LifeSG Credits in Singapore: Merchant list, the YouTrip cash-out trick, and the gotchas that cost you money.",[],{"dimensions":15832,"alt":15835,"copyright":107,"url":15836,"id":15837,"edit":15838},{"width":15833,"height":15834},1670,815,"lifesg credits to youtrip","https://images.prismic.io/dive/afiuNsBOoF08xlRq_Screenshot2026-05-04at10.33.20PM.png?auto=format,compress","afiuNsBOoF08xlRq",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":15840,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":15841,"isBroken":16},[],"60497ea4-4f7c-4d9f-a482-fdce3c718af2",[15843,15870,15931,15935,15945,16030,16055,16100,16182,16216,16261,16303,16397,16451,16492],{"primary":15844,"items":15868,"id":15869,"slice_type":7941,"slice_label":107},{"text":15845},[15846,15849,15852],{"type":180,"text":15847,"spans":15848,"direction":123},"There is potentially $200 to $1,500+ sitting in the LifeSG app right now that most households haven't fully spent. Worse, the credits silently expire 12 months after they land - and the government does not call to remind you.",[],{"type":180,"text":15850,"spans":15851,"direction":123},"LifeSG Credits come in three flavours: $500 Child LifeSG Credits per Singaporean kid aged 0-12, $1,000 Large Family LifeSG Credits per third+ child aged 1-6, and $200 NS LifeSG Credits per eligible NSman. They all live in the same LifeSG app and they all share the same redemption mechanic - but the rules nobody explains clearly are where the money gets lost.",[],{"type":180,"text":15853,"spans":15854,"direction":123},"This guide answers the actual questions people search: how to check what you got, how to convert it to cash before it expires, where you can spend it (and where you can't), the Amazon/Shopee/Lazada question, and the hawker stall gotcha. Amounts and dates pulled from life.gov.sg, supportgowhere.life.gov.sg and ns.gov.sg.",[15855,15860,15865],{"start":15856,"end":15857,"type":5402,"data":15858},267,278,{"link_type":69,"url":15859,"target":186},"https://www.life.gov.sg/",{"start":15861,"end":15862,"type":5402,"data":15863},280,306,{"link_type":69,"url":15864,"target":186},"https://supportgowhere.life.gov.sg/",{"start":13583,"end":6925,"type":5402,"data":15866},{"link_type":69,"url":15867,"target":186},"https://www.ns.gov.sg/",[],"text$5938cd52-44b7-47da-83f4-f51e4f9139c8",{"primary":15871,"items":15929,"id":15930,"slice_type":7941,"slice_label":107},{"text":15872},[15873,15875,15881,15887,15893,15899,15905,15911,15917,15923],{"type":7946,"text":7947,"spans":15874,"direction":123},[],{"type":180,"text":15876,"spans":15877,"direction":123},"1. What LifeSG Credits actually are (3 tranches explained)",[15878],{"start":9,"end":8040,"type":5402,"data":15879},{"link_type":69,"url":15880,"target":186},"#1-what-lifesg-credits-actually-are-3-tranches-explained-",{"type":180,"text":15882,"spans":15883,"direction":123},"2. How to check what your household received",[15884],{"start":9,"end":8365,"type":5402,"data":15885},{"link_type":69,"url":15886,"target":186},"#2-how-to-check-what-your-household-received",{"type":180,"text":15888,"spans":15889,"direction":123},"3. The cash-out trick: convert LifeSG Credits to bank cash in 60 seconds",[15890],{"start":9,"end":8596,"type":5402,"data":15891},{"link_type":69,"url":15892,"target":186},"#3-the-cash-out-trick-convert-lifesg-credits-to-bank-cash-in-60-seconds",{"type":180,"text":15894,"spans":15895,"direction":123},"4. Where to use LifeSG Credits (the PayNow UEN / NETS QR universe)",[15896],{"start":9,"end":8464,"type":5402,"data":15897},{"link_type":69,"url":15898,"target":186},"#4-where-to-use-lifesg-credits-the-paynow-uen-nets-qr-universe-",{"type":180,"text":15900,"spans":15901,"direction":123},"5. Can you use LifeSG Credits on Amazon, Shopee, Lazada?",[15902],{"start":9,"end":6960,"type":5402,"data":15903},{"link_type":69,"url":15904,"target":186},"#5-can-you-use-lifesg-credits-on-amazon-shopee-lazada-",{"type":180,"text":15906,"spans":15907,"direction":123},"6. Why your hawker stall won't accept LifeSG Credits",[15908],{"start":9,"end":8307,"type":5402,"data":15909},{"link_type":69,"url":15910,"target":186},"#6-why-your-hawker-stall-won-t-accept-lifesg-credits",{"type":180,"text":15912,"spans":15913,"direction":123},"7. The merchant list: supermarkets, F&B, shopping, bills",[15914],{"start":9,"end":6960,"type":5402,"data":15915},{"link_type":69,"url":15916,"target":186},"#7-the-merchant-list-supermarkets-f-b-shopping-bills",{"type":180,"text":15918,"spans":15919,"direction":123},"8. Stacking LifeSG Credits with credit card cashback",[15920],{"start":9,"end":8307,"type":5402,"data":15921},{"link_type":69,"url":15922,"target":186},"#8-stacking-lifesg-credits-with-credit-card-cashback",{"type":180,"text":15924,"spans":15925,"direction":123},"9. Expiry, donation, and 6 other gotchas",[15926],{"start":9,"end":7433,"type":5402,"data":15927},{"link_type":69,"url":15928,"target":186},"#9-expiry-donation-and-6-other-gotchas",[],"text$6ecd81ac-bae3-4b57-a6a6-011786bbd63e",{"primary":15932,"items":15933,"id":15934,"slice_type":8021,"slice_label":107},{},[],"divider$1ed3a980-d833-4853-8f2d-fe2a16702b45",{"primary":15936,"items":15943,"id":15944,"slice_type":7941,"slice_label":107},{"text":15937},[15938,15940],{"type":7946,"text":15876,"spans":15939},[],{"type":180,"text":15941,"spans":15942},"LifeSG Credits is the umbrella name for three separate government schemes that all pay out as digital credits inside the LifeSG mobile app. People mix them up constantly because the app shows them as one combined balance. Here is the clean breakdown of what is currently active:",[],[],"text$7df755c1-ecd7-479a-af48-4a0f6f36e39f",{"primary":15946,"items":15951,"id":16029,"slice_type":8948,"slice_label":107},{"table_title":15947},[15948],{"type":171,"text":15949,"spans":15950},"LifeSG Credits tranches active in 2026",[],[15952,15964,15977,15990,16003,16016],{"col1":15953,"col2":15956,"col3":15960},[15954],{"type":180,"text":9397,"spans":15955},[],[15957],{"type":180,"text":15958,"spans":15959},"Amount + recipient",[],[15961],{"type":180,"text":15962,"spans":15963},"Status as of May 2026",[],{"col1":15965,"col2":15969,"col3":15973},[15966],{"type":180,"text":15967,"spans":15968},"Child LifeSG Credits",[],[15970],{"type":180,"text":15971,"spans":15972},"$500 per Singapore Citizen child aged 0-12, paid to CDA trustee",[],[15974],{"type":180,"text":15975,"spans":15976},"2026 tranche disbursed from 8 April 2026 (children born 2013-2024). 2025-born kids: from July 2026.",[],{"col1":15978,"col2":15982,"col3":15986},[15979],{"type":180,"text":15980,"spans":15981},"Large Family LifeSG Credits (LFLC)",[],[15983],{"type":180,"text":15984,"spans":15985},"$1,000 per third or subsequent child aged 1-6, paid annually to CDA trustee",[],[15987],{"type":180,"text":15988,"spans":15989},"2026 tranche from 28 April 2026",[],{"col1":15991,"col2":15995,"col3":15999},[15992],{"type":180,"text":15993,"spans":15994},"NS LifeSG Credits",[],[15996],{"type":180,"text":15997,"spans":15998},"$200 per eligible past or present NSman",[],[16000],{"type":180,"text":16001,"spans":16002},"2024 tranche (Nov 2024) expired Nov 2025. No new tranche announced yet.",[],{"col1":16004,"col2":16008,"col3":16012},[16005],{"type":180,"text":16006,"spans":16007},"Validity",[],[16009],{"type":180,"text":16010,"spans":16011},"All tranches: 12 months from disbursement",[],[16013],{"type":180,"text":16014,"spans":16015},"Not extendable. Unspent = forfeited.",[],{"col1":16017,"col2":16021,"col3":16025},[16018],{"type":180,"text":16019,"spans":16020},"Spend mechanism",[],[16022],{"type":180,"text":16023,"spans":16024},"PayNow UEN QR or NETS QR, in-app or in-person",[],[16026],{"type":180,"text":16027,"spans":16028},"Same for all three tranches",[],"table3$f9949b78-a381-4c5a-a81d-aba28d1c207f",{"primary":16031,"items":16053,"id":16054,"slice_type":7941,"slice_label":107},{"text":16032},[16033,16036,16040,16045,16049],{"type":180,"text":16034,"spans":16035},"A few quirks worth flagging upfront:",[],{"type":4229,"text":16037,"spans":16038},"Child LifeSG Credits are per child, not per household - so a family with 3 kids aged 0-12 gets $1,500 in this tranche alone. The CDA trustee (usually one parent) receives the full amount.",[16039],{"start":9,"end":8012,"type":3603},{"type":4229,"text":16041,"spans":16042},"Large Family LFLC stacks on top of Child LifeSG - a third child aged 5 in 2026 gets $500 (Child) + $1,000 (LFLC) = $1,500.",[16043],{"start":9,"end":16044,"type":3603},47,{"type":4229,"text":16046,"spans":16047},"NS LifeSG was a one-off Budget 2024 measure - the $200 was disbursed Nov 2024 and most NSmen lost what they didn't spend by Nov 2025. Watch Budget 2027 for any new tranche.",[16048],{"start":9,"end":5453,"type":3603},{"type":4229,"text":16050,"spans":16051},"The 2025 Child tranche ($500 disbursed July 2025) expired around 6 July 2026 - if you still haven't spent it, check your app immediately.",[16052],{"start":9,"end":8837,"type":3603},[],"text$f7df1a2b-43ee-473e-a750-4e4526543b39",{"primary":16056,"items":16098,"id":16099,"slice_type":7941,"slice_label":107},{"text":16057},[16058,16060,16063,16066,16068,16071,16074,16077,16080,16083,16086,16089,16092,16095],{"type":7946,"text":15882,"spans":16059},[],{"type":180,"text":16061,"spans":16062},"Step one is figuring out who in your household actually received the credits, because the answer surprises a lot of parents.",[],{"type":9316,"text":16064,"spans":16065},"Open the LifeSG app (download from App Store or Google Play if you don't have it).",[],{"type":9316,"text":12001,"spans":16067},[],{"type":9316,"text":16069,"spans":16070},"On the home screen, look for \"Your Benefits\" or the LifeSG Credits balance card.",[],{"type":9316,"text":16072,"spans":16073},"Tap into it to see the breakdown by scheme and the expiry date for each tranche.",[],{"type":171,"text":16075,"spans":16076},"The trustee gotcha",[],{"type":180,"text":16078,"spans":16079},"For Child LifeSG Credits and Large Family LFLC, the money goes to the CDA trustee of the child - not necessarily the parent who applied for Baby Bonus, and not split between both parents. It is a single, designated account holder.",[],{"type":180,"text":16081,"spans":16082},"In most households, this is whichever parent first opened the CDA at the bank. Many mothers assume they got the credits and then panic when nothing shows up. The fix:",[],{"type":4229,"text":16084,"spans":16085},"Ask your spouse to open their LifeSG app and check.",[],{"type":4229,"text":16087,"spans":16088},"If still missing, go to the Family View service on the Parent Portal Services to see who is listed as CDA trustee.",[],{"type":4229,"text":16090,"spans":16091},"To switch trustee, you both need to apply via Baby Bonus Online (it is not instant).",[],{"type":171,"text":16093,"spans":16094},"The notification you may have missed",[],{"type":180,"text":16096,"spans":16097},"LifeSG Credits arrive with an SMS notification, but the message is generic and easy to mistake for spam. There is no notification letter, no email reminder closer to expiry, and the app does not push you a warning. If you don't set a calendar reminder yourself, the money quietly expires.",[],[],"text$f8623596-fce3-43d3-83f6-125affb831b9",{"primary":16101,"items":16180,"id":16181,"slice_type":7941,"slice_label":107},{"text":16102},[16103,16105,16108,16111,16114,16117,16120,16123,16126,16129,16132,16135,16138,16141,16144,16147,16150,16153,16156,16159,16162,16165,16168,16171,16174,16177],{"type":7946,"text":15888,"spans":16104},[],{"type":180,"text":16106,"spans":16107},"This is the #1 thing people search about LifeSG Credits, and the government pages do not mention it at all. The credits CAN be converted to cash in your bank account, legally, in under a minute, with zero fees. Here is the working method.",[],{"type":171,"text":16109,"spans":16110},"Method 1: YouTrip top-up (recommended)",[],{"type":180,"text":16112,"spans":16113},"YouTrip is a multi-currency wallet card. It accepts top-ups via PayNow QR, and YouTrip lets you withdraw the balance back to your bank account. That makes it a one-way bridge from LifeSG Credits → real cash.",[],{"type":9316,"text":16115,"spans":16116},"Download YouTrip if you don't have it. Sign up takes 2 minutes (NRIC + selfie verification).",[],{"type":9316,"text":16118,"spans":16119},"In the YouTrip app, tap \"Top Up\", choose \"PayNow QR\", enter the amount and tap \"Generate QR Code\". Save the QR to your phone gallery.",[],{"type":9316,"text":16121,"spans":16122},"Open the LifeSG app. Tap \"Scan QR code to pay\".",[],{"type":9316,"text":16124,"spans":16125},"Scan the YouTrip QR you just saved. Confirm the payee shows YOU TECHNOLOGIES (UEN 201628225C) before tapping confirm.",[],{"type":9316,"text":16127,"spans":16128},"The credits land in your YouTrip balance within 10 seconds.",[],{"type":9316,"text":16130,"spans":16131},"In YouTrip, tap \"Transfer\" → \"Withdraw to Own Account\" → PayNow to your own NRIC or mobile number.",[],{"type":9316,"text":16133,"spans":16134},"Money lands in your bank account near-instantly. From there, ATM, transfer, invest, anything.",[],{"type":180,"text":16136,"spans":16137},"Total time: about 60 seconds end to end. Total fee: $0. The only requirement is that your YouTrip account name matches your bank account name (KYC rule).",[],{"type":171,"text":16139,"spans":16140},"Method 2: Sheng Siong Simple Teller Machine",[],{"type":180,"text":16142,"spans":16143},"Sheng Siong has Simple Teller Machines (basically a cash withdrawal kiosk inside the supermarket). They accept LifeSG Credits as payment for cash withdrawals, with a $0.20 service fee per transaction.",[],{"type":9316,"text":16145,"spans":16146},"Find a Sheng Siong with a Simple Teller Machine (most large outlets have one).",[],{"type":9316,"text":16148,"spans":16149},"Tap the cash withdrawal option, enter the amount.",[],{"type":9316,"text":16151,"spans":16152},"Pay with LifeSG Credits via NETS QR.",[],{"type":9316,"text":16154,"spans":16155},"Collect the physical cash.",[],{"type":180,"text":16157,"spans":16158},"Slower than the YouTrip method, but useful if you're elderly or don't want to set up YouTrip.",[],{"type":171,"text":16160,"spans":16161},"Why this matters even if you plan to spend the credits",[],{"type":180,"text":16163,"spans":16164},"Even if you don't want to \"withdraw\" the credits, the YouTrip method is useful for:",[],{"type":4229,"text":16166,"spans":16167},"Spending the credits at merchants that don't accept PayNow QR (e.g. overseas, GrabFood, Klook).",[],{"type":4229,"text":16169,"spans":16170},"Paying credit card bills (which usually can't be paid via PayNow QR directly).",[],{"type":4229,"text":16172,"spans":16173},"Topping up a child's investment account or savings before the money expires.",[],{"type":4229,"text":16175,"spans":16176},"Splitting the credits between siblings if both parents want flexibility.",[],{"type":180,"text":16178,"spans":16179},"Honestly, this is the single biggest piece of value in the whole LifeSG Credits scheme that the government chooses not to advertise. Take it.",[],[],"text$7d9ce625-9437-497e-a1f6-a8411ed1d7f1",{"primary":16183,"items":16214,"id":16215,"slice_type":7941,"slice_label":107},{"text":16184},[16185,16187,16190,16193,16196,16199,16202,16205,16208,16211],{"type":7946,"text":15894,"spans":16186},[],{"type":180,"text":16188,"spans":16189},"LifeSG Credits work at any merchant that accepts payment via PayNow UEN QR or NETS QR. That is officially over 100,000 merchants across Singapore (per MINDEF's own NS LifeSG announcement).",[],{"type":180,"text":16191,"spans":16192},"The qualifier is the UEN part. The merchant's QR code must be tied to a corporate UEN, not a personal mobile number or NRIC. Most chain stores and registered businesses qualify. Many small hawker stalls and informal vendors do not (more on that in section 6).",[],{"type":171,"text":16194,"spans":16195},"How to actually pay with LifeSG Credits",[],{"type":9316,"text":16197,"spans":16198},"Open the LifeSG app and tap \"Scan QR code to pay\".",[],{"type":9316,"text":16200,"spans":16201},"Point your camera at the merchant's PayNow or NETS QR code.",[],{"type":9316,"text":16203,"spans":16204},"Enter the amount (or confirm the pre-filled amount).",[],{"type":9316,"text":16206,"spans":16207},"Confirm the merchant name shown on screen matches the actual store - if it shows a personal name or a different business, do not pay (could be a wrong QR or a personal-account merchant).",[],{"type":9316,"text":16209,"spans":16210},"Tap pay. Show the merchant the success screen.",[],{"type":180,"text":16212,"spans":16213},"LifeSG Credits get used first before any other payment method linked to your LifeSG wallet. So if you have $500 of credits and pay a $300 bill, $300 of credits gets deducted - not your bank account.",[],[],"text$116e89a9-9762-434f-a752-24c7f99eaaad",{"primary":16217,"items":16259,"id":16260,"slice_type":7941,"slice_label":107},{"text":16218},[16219,16221,16224,16227,16230,16232,16235,16238,16241,16244,16247,16250,16253,16256],{"type":7946,"text":15900,"spans":16220},[],{"type":180,"text":16222,"spans":16223},"Direct answers to the top three online-shopping searches. None of these work the way most people assume.",[],{"type":171,"text":16225,"spans":16226},"Amazon Singapore",[],{"type":180,"text":16228,"spans":16229},"No, you cannot use LifeSG Credits directly at Amazon SG checkout. Amazon's Singapore checkout supports credit cards, debit cards and Amazon Pay - not PayNow UEN QR. The workaround: cash out via YouTrip (section 3), then use the cash to top up a debit card or buy an Amazon gift card.",[],{"type":171,"text":7833,"spans":16231},[],{"type":180,"text":16233,"spans":16234},"Same answer: no direct use at Shopee checkout. Shopee's payment methods are credit/debit card, ShopeePay, bank transfer and a few others - PayNow QR is not in the standard checkout flow. Workaround: cash out and use the bank account.",[],{"type":171,"text":16236,"spans":16237},"Lazada",[],{"type":180,"text":16239,"spans":16240},"Lazada accepts PayNow QR for some sellers, but it is rare and the QR is generated at checkout (not scanned by you). LifeSG Credits cannot be used in this flow because LifeSG only does outbound scanning, not receiving payment requests. Workaround: cash out method.",[],{"type":171,"text":16242,"spans":16243},"What DOES work for online spending",[],{"type":180,"text":16245,"spans":16246},"Online merchants that genuinely accept LifeSG Credits are rare. The notable ones:",[],{"type":4229,"text":16248,"spans":16249},"Frasers Experience app - buy gift cards using LifeSG Credits, redeemable at Frasers malls (Causeway Point, Northpoint, Tampines 1, etc.)",[],{"type":4229,"text":16251,"spans":16252},"AXS bill payment app - pay utilities, IRAS tax, SP Group bills, Town Council fees, even credit card bills via PayNow QR",[],{"type":4229,"text":16254,"spans":16255},"Some F&B chains' own ordering apps that use PayNow QR (rare; check before assuming)",[],{"type":180,"text":16257,"spans":16258},"The honest take: LifeSG Credits were designed for in-person retail. For online purchases, the cash-out method is faster and more flexible than hunting for the rare merchant that supports it.",[],[],"text$ad28dd3b-44d3-49d6-9e5d-3958652509a2",{"primary":16262,"items":16301,"id":16302,"slice_type":7941,"slice_label":107},{"text":16263},[16264,16266,16269,16272,16275,16279,16283,16287,16290,16293,16296],{"type":7946,"text":15906,"spans":16265},[],{"type":180,"text":16267,"spans":16268},"This is the question that frustrates the most people. You walk into a hawker centre, scan the stall's QR code with LifeSG, and either nothing happens or the wrong name pops up. Here is why.",[],{"type":180,"text":16270,"spans":16271},"LifeSG Credits only work with QR codes tied to a corporate UEN (Unique Entity Number). Many small hawker stalls use a personal PayNow QR linked to the stall owner's mobile number or NRIC instead. Personal PayNow QRs do not qualify.",[],{"type":180,"text":16273,"spans":16274},"How to tell the difference before you scan:",[],{"type":4229,"text":16276,"spans":16277},"Look at the QR sticker - if it shows the stall's registered business name (e.g. \"ABC FOOD PTE LTD\"), it's a UEN. If it shows a person's name or just a mobile number, it's personal.",[16278],{"start":9,"end":8794,"type":3603},{"type":4229,"text":16280,"spans":16281},"When you scan, LifeSG shows you the payee name before you confirm - if it's an individual's name, abort.",[16282],{"start":9,"end":8818,"type":3603},{"type":4229,"text":16284,"spans":16285},"Coffee shop chains (Kopitiam, Koufu, Food Republic) usually use UEN QRs. Independent street hawkers vary.",[16286],{"start":9,"end":12375,"type":3603},{"type":180,"text":16288,"spans":16289},"There are also two related differences from CDC Vouchers worth knowing:",[],{"type":4229,"text":16291,"spans":16292},"LifeSG Credits do NOT use the CDC voucher system - completely separate apps, separate merchants, separate decals.",[],{"type":4229,"text":16294,"spans":16295},"A stall accepting CDC Vouchers does NOT automatically accept LifeSG Credits, and vice versa. They are two parallel schemes that happen to overlap at large chains.",[],{"type":180,"text":16297,"spans":16298},"For the dedicated CDC Vouchers guide, see our walkthrough on how to use CDC Vouchers in Singapore.",[16299],{"start":8360,"end":5208,"type":5402,"data":16300},{"link_type":69,"url":9480},[],"text$bba8a9e2-f734-4649-9674-a1877c383469",{"primary":16304,"items":16395,"id":16396,"slice_type":7941,"slice_label":107},{"text":16305},[16306,16308,16311,16314,16317,16319,16322,16324,16326,16329,16332,16335,16338,16340,16342,16344,16347,16350,16353,16356,16359,16362,16365,16368,16371,16374,16377,16380,16383,16386,16389,16392],{"type":7946,"text":15912,"spans":16307},[],{"type":180,"text":16309,"spans":16310},"Confirmed working merchants (as of mid-2025 onwards, verified by user reports). This is not exhaustive - the official rule is \"any merchant with a corporate UEN PayNow or NETS QR\" - but these are the proven, no-surprises spots.",[],{"type":171,"text":16312,"spans":16313},"Supermarkets",[],{"type":4229,"text":16315,"spans":16316},"NTUC FairPrice (all formats: FairPrice Finest, Xtra, Xpress, Cheers)",[],{"type":4229,"text":12064,"spans":16318},[],{"type":4229,"text":16320,"spans":16321},"Cold Storage",[],{"type":4229,"text":12061,"spans":16323},[],{"type":4229,"text":7830,"spans":16325},[],{"type":4229,"text":16327,"spans":16328},"Don Don Donki (selected outlets)",[],{"type":171,"text":16330,"spans":16331},"F&B chains",[],{"type":4229,"text":16333,"spans":16334},"Ya Kun Kaya Toast",[],{"type":4229,"text":16336,"spans":16337},"Toast Box",[],{"type":4229,"text":121,"spans":16339},[],{"type":4229,"text":1873,"spans":16341},[],{"type":4229,"text":142,"spans":16343},[],{"type":4229,"text":16345,"spans":16346},"Sushiro",[],{"type":4229,"text":16348,"spans":16349},"Koi",[],{"type":4229,"text":16351,"spans":16352},"Chagee",[],{"type":4229,"text":16354,"spans":16355},"Mr Coconut",[],{"type":4229,"text":16357,"spans":16358},"Most kopitiam chains (Kopitiam, Koufu, Food Republic, Food Junction)",[],{"type":171,"text":16360,"spans":16361},"Bookstores and shopping",[],{"type":4229,"text":16363,"spans":16364},"Popular Bookstore",[],{"type":4229,"text":16366,"spans":16367},"Kinokuniya",[],{"type":4229,"text":16369,"spans":16370},"Uniqlo",[],{"type":4229,"text":16372,"spans":16373},"Frasers Malls (via the FRx app for gift cards)",[],{"type":4229,"text":16375,"spans":16376},"Most chain pharmacies (Watsons, Guardian, Unity)",[],{"type":171,"text":16378,"spans":16379},"Bills, transport and services",[],{"type":4229,"text":16381,"spans":16382},"AXS app and AXS machines - utilities (SP Group), IRAS taxes, Town Council fees, credit card bills",[],{"type":4229,"text":16384,"spans":16385},"Most enrichment centres and tuition centres with corporate UENs",[],{"type":4229,"text":16387,"spans":16388},"Many TCM clinics, dental clinics and GP clinics",[],{"type":4229,"text":16390,"spans":16391},"Hair salons and beauty services with registered businesses",[],{"type":180,"text":16393,"spans":16394},"A practical use case people miss: pay your SP Group electricity bill or your IRAS tax bill via AXS using LifeSG Credits. Bill paid, no money out of pocket, credits don't expire. This single move alone can clear $200 to $500 of credits in one go.",[],[],"text$0ed28516-39fe-4a8e-a8a2-d0ec5c2cf816",{"primary":16398,"items":16449,"id":16450,"slice_type":7941,"slice_label":107},{"text":16399},[16400,16402,16405,16408,16411,16414,16417,16420,16423,16426,16429,16432,16435,16438,16441,16444],{"type":7946,"text":15918,"spans":16401},[],{"type":180,"text":16403,"spans":16404},"LifeSG Credits cover the bill. Your credit card normally would have been the payment method, so the cashback you would have earned is the loss. Here is how to recover it - or stack on top.",[],{"type":171,"text":16406,"spans":16407},"The \"cash out, then card\" stack",[],{"type":180,"text":16409,"spans":16410},"Use the YouTrip method (section 3) to convert credits to bank cash. Then spend the cash on whatever you would have bought anyway, using your highest-cashback card. Net result: you get the credits AND the credit card cashback on the same purchase.",[],{"type":180,"text":16412,"spans":16413},"Worked example for a parent with $500 Child LifeSG Credits planning a Sheng Siong bulk shop:",[],{"type":9316,"text":16415,"spans":16416},"Cash out the $500 LifeSG Credits via YouTrip (60 seconds, no fee).",[],{"type":9316,"text":16418,"spans":16419},"Pay the $500 Sheng Siong bill with UOB One (5% on supermarkets when spend tier hit) = $25 cashback.",[],{"type":9316,"text":16421,"spans":16422},"Earn supermarket loyalty points on the $500 (Sheng Siong Members or your supermarket's programme).",[],{"type":9316,"text":16424,"spans":16425},"Net value: $500 (credits) + $25 (UOB cashback) + ~$2-5 (loyalty points). Real value: $527-$530.",[],{"type":180,"text":16427,"spans":16428},"Versus paying directly with LifeSG Credits, which gives you $500 of value and zero cashback. The cash-out stack adds 5% on top.",[],{"type":171,"text":16430,"spans":16431},"When direct payment is better",[],{"type":180,"text":16433,"spans":16434},"The cash-out stack adds friction. Skip it if:",[],{"type":4229,"text":16436,"spans":16437},"The amount is small (under $50) - the YouTrip step isn't worth the time.",[],{"type":4229,"text":16439,"spans":16440},"You're at a merchant where your card wouldn't earn good cashback anyway (e.g. a hawker stall, a small enrichment centre, AXS bill payment).",[],{"type":4229,"text":16442,"spans":16443},"The merchant is running a LifeSG-specific promo (rare but happens - e.g. the Frasers $10 bonus on $250 gift card).",[],{"type":180,"text":16445,"spans":16446},"For the best cards to use on supermarket and dining spend, see our credit card sign-up promotions guide.",[16447],{"start":8856,"end":9499,"type":5402,"data":16448},{"link_type":69,"url":12362},[],"text$e8142ec5-db14-4591-ac79-03350d7dc224",{"primary":16452,"items":16490,"id":16491,"slice_type":7941,"slice_label":107},{"text":16453},[16454,16456,16459,16463,16467,16471,16475,16479,16483,16487],{"type":7946,"text":15924,"spans":16455},[],{"type":180,"text":16457,"spans":16458},"The rules and gotchas that quietly cost households money. None are well-explained in the LifeSG app itself.",[],{"type":4229,"text":16460,"spans":16461},"12-month expiry, no rollover - each tranche expires exactly 12 months from disbursement date. Unspent credits are forfeited. The app does not warn you in advance.",[16462],{"start":9,"end":8536,"type":3603},{"type":4229,"text":16464,"spans":16465},"Cannot be transferred between people - the credits are tied to one CDA trustee or one NSman's LifeSG account. You cannot send them to your spouse or sibling.",[16466],{"start":9,"end":8528,"type":3603},{"type":4229,"text":16468,"spans":16469},"No refund if merchant transaction fails - if you scan, pay, then realise the merchant didn't receive it, the credits get held in pending state and may take days to release. 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",[17637,17641],{"start":9246,"end":17638,"type":5402,"data":17639},170,{"link_type":69,"url":17640,"target":186},"https://sg.trip.com/flights/singapore-to-tokyo/airfares-sin-tyo/?allianceid=7288534&sid=271572617",{"start":9246,"end":17638,"type":3603},{"type":180,"text":17643,"spans":17644,"direction":123},"After that, take some time to browse a Tokyo travel guide and map out what to eat, from tiny ramen shops and sushi counters to late-night local spots tucked away in quiet streets. 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Beijing: Capital of Culture and Imperial History",[],{"type":4229,"text":18497,"spans":18498,"direction":123},"Recommended travel duration: 3-5 days",[],{"type":4229,"text":18500,"spans":18501,"direction":123},"Best time to visit: March-May, September-November",[],{"type":180,"text":18503,"spans":18504,"direction":123},"/Beijing is one of those cities that pulls you in the moment you arrive. If you enjoy exploring old palaces, peaceful temples, and neighbourhoods that feel full of stories, you’ll love it here. The city is rich in culture, but it’s also very easy to get around, with great food, friendly locals, and plenty of places to wander without rushing. It’s a great starting point for anyone visiting China for the first time. 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Shanghai: Modern Marvels & Old Charm",[],{"type":4229,"text":18607,"spans":18608,"direction":123},"Recommended travel duration: 3-4 days",[],{"type":4229,"text":18500,"spans":18610,"direction":123},[],{"type":180,"text":18612,"spans":18613,"direction":123},"Shanghai is one of those cities that feels exciting from the moment you step in. It’s modern, stylish, and full of energy, yet it still keeps pockets of old-world charm that make exploring really fun. If you enjoy city skylines, good food, trendy cafés, and easy days wandering through historic streets, Shanghai is the place to be. What I love about Shanghai is how it mixes everything together so naturally. 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",[],{"type":4229,"text":18642,"spans":18643,"direction":123},"Yu Garden: Yu Garden has traditional Chinese architecture, ponds, and pavilions, surrounded by lively old streets filled with snacks and souvenir shops.",[],{"type":4229,"text":18645,"spans":18646,"direction":123},"Lujiazui Skyline (Shanghai Tower/Oriental Pearl): Head up to one of the observation decks for a fantastic view of the futuristic skyline.",[],{"type":171,"text":18648,"spans":18649,"direction":123},"Best Experiences in Shanghai",[],{"type":4229,"text":18651,"spans":18652,"direction":123},"Huangpu River Cruise: Enjoy the best views of the Bund and Lujiazui while relaxing on a night cruise. The lights are amazing.",[],{"type":4229,"text":18654,"spans":18655,"direction":123},"French Concession café-hopping: Explore leafy streets lined with boutique cafés, bakeries, and stylish shops.",[],{"type":4229,"text":18657,"spans":18658,"direction":123},"Street food tasting: Try local favourites like shengjianbao (pan-fried buns), xiaolongbao, and scallion pancakes in markets.",[],{"type":180,"text":18660,"spans":18661,"direction":123},"Pro Tip: When planning your visit, consider booking your flights to Shanghai and Shanghai hotels early to snag the best deals, perfect for every budget and style.",[18662,18665],{"start":14428,"end":8837,"type":5402,"data":18663},{"link_type":69,"url":18664,"target":186},"https://sg.trip.com/flights/singapore-to-shanghai/airfares-sin-sha/?allianceid=7288534&sid=271572617",{"start":12044,"end":12372,"type":5402,"data":18666},{"link_type":69,"url":18667,"target":186},"https://sg.trip.com/hotels/shanghai-hotels-list-2/?allianceid=7288534&sid=271572617",[],"text$ad505bf0-90a0-4c51-be0b-4068a6ada951",{"primary":18671,"items":18673,"id":18674,"slice_type":18675,"slice_label":107},{"brand_coupon_title":18672},"https://divedeals.sg/brands/Trip",[],"brand_coupon_linkage$d5bddf92-d926-467b-b07d-788db2965e90","brand_coupon_linkage",{"primary":18677,"items":18678,"id":18710,"slice_type":17484,"slice_label":107},{},[18679,18689,18699],{"button_image":18680,"button_title":18683,"button_link":18687},{"dimensions":18681,"alt":17460,"copyright":107,"url":17461,"id":17462,"edit":18682},{"width":17459,"height":17459},{"x":9,"y":9,"zoom":5194,"background":5195},[18684],{"type":7946,"text":18685,"spans":18686,"direction":123},"Flight Deals to Shanghai",[],{"link_type":69,"key":18688,"url":18664,"target":186},"a36a7dc3-1d7f-4344-8204-078d176c389a",{"button_image":18690,"button_title":18693,"button_link":18697},{"dimensions":18691,"alt":18364,"copyright":107,"url":18365,"id":18366,"edit":18692},{"width":17473,"height":17473},{"x":9,"y":9,"zoom":5194,"background":5195},[18694],{"type":7946,"text":18695,"spans":18696,"direction":123},"Hotel Deals in Shanghai",[],{"link_type":69,"key":18698,"url":18667,"target":186},"b3573d91-fa67-4c90-a36b-f1828e6ccd97",{"button_image":18700,"button_title":18703,"button_link":18707},{"dimensions":18701,"alt":18584,"copyright":107,"url":18585,"id":18586,"edit":18702},{"width":17473,"height":17473},{"x":9,"y":9,"zoom":5194,"background":5195},[18704],{"type":7946,"text":18705,"spans":18706,"direction":123},"More Info About Shanghai",[],{"link_type":69,"key":18708,"url":18709,"target":186},"1e77a225-79aa-4f95-8b70-448015b82366","https://sg.trip.com/travel-guide/destination/shanghai-2/?allianceid=7288534&sid=271572617","button_links$84fd39bb-b932-400a-936d-3e8b1094b169",{"primary":18712,"items":18713,"id":18714,"slice_type":8021,"slice_label":107},{},[],"divider$d07d4350-1ac8-4f1b-ad41-5dfdac2ac137",{"primary":18716,"items":18731,"id":18732,"slice_type":7941,"slice_label":107},{"text":18717},[18718,18721,18724,18726,18729],{"type":7946,"text":18719,"spans":18720,"direction":123},"3. Xi'an: Cradle of Chinese Civilisation",[],{"type":4229,"text":18722,"spans":18723,"direction":123},"Recommended travel duration: 2-3 days",[],{"type":4229,"text":18500,"spans":18725,"direction":123},[],{"type":180,"text":18727,"spans":18728,"direction":123},"If you’re curious about ancient history, old city walls, and stories from the Silk Road, you’ll enjoy every moment here. The city is calm, tidy, and very walkable. What stands out most is how well Xi’an preserves its heritage. Xi’an blends everyday life with thousands of years of history. 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One of the world’s most famous archaeological sites, featuring thousands of life-sized clay warriors that guarded Emperor Qin’s tomb.",[],{"type":4229,"text":18757,"spans":18758,"direction":123},"Ancient City Wall: You can walk or cycle on it. 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Whether you’re a fan of marinated meats or fresh seafood, these restaurants provide everything you need for a great Mookata session. ",[19812],{"start":9,"end":6407,"type":5402,"data":19813},{"link_type":69,"url":19814,"target":186},"https://divedeals.sg/blog/best-mookata-restaurants-in-singapore",{"type":180,"text":19816,"spans":19817,"direction":123},"Enjoy a social and interactive meal with friends and family at the best Mookata spots in Singapore: Best Mookata near you in Singapore",[19818],{"start":7917,"end":7402,"type":5402,"data":19819},{"link_type":69,"url":19814,"target":186},{"type":180,"text":7,"spans":19821,"direction":123},[],{"type":7946,"text":19823,"spans":19824,"direction":123},"Japanese Food",[],{"type":180,"text":19826,"spans":19827,"direction":123},"Japanese cuisine is beloved in Singapore for its variety and quality. From sushi and sashimi to ramen and tempura, find the best Japanese food restaurants and deals. Our guide highlights top dining spots that offer authentic Japanese flavors and great promotions.",[19828],{"start":19829,"end":7258,"type":5402,"data":19830},166,{"link_type":69,"url":17303,"target":186},{"type":180,"text":19832,"spans":19833,"direction":123},"Find out more about these dining posts here: Popular Japanese Food Restaurant & Deals Singapore",[19834],{"start":10363,"end":14285,"type":5402,"data":19835},{"link_type":69,"url":17303,"target":186},{"type":171,"text":19837,"spans":19838,"direction":123},"Best Japanese BBQ & Yakiniku in Singapore",[],{"type":180,"text":19840,"spans":19841,"direction":123},"Japanese BBQ, or yakiniku, offers a delicious and interactive dining experience. Enjoy grilling premium cuts of meat and vegetables at your table in some of Singapore’s best yakiniku restaurants. These establishments provide top-quality ingredients and a range of dipping sauces that enhance the flavors. Perfect for meat lovers, these Japanese BBQ spots promise a memorable meal.",[19842],{"start":9,"end":6407,"type":5402,"data":19843},{"link_type":69,"url":19844,"target":186},"https://divedeals.sg/blog/best-japanese-bbq-yakiniku-in-singapore",{"type":180,"text":19846,"spans":19847,"direction":123},"Read more here: Best Yakiniku (Japanese BBQ) in Singapore",[19848],{"start":6275,"end":14428,"type":5402,"data":19849},{"link_type":69,"url":19844,"target":186},{"type":171,"text":19851,"spans":19852,"direction":123},"Best Omakase and Teppanyaki in Singapore",[],{"type":180,"text":19854,"spans":19855,"direction":123},"Omakase and teppanyaki dining experiences showcase the skills and creativity of Japanese chefs. Omakase, meaning \"I'll leave it up to you,\" involves a curated tasting menu that highlights the chef's specialties. Teppanyaki, on the other hand, combines culinary art with entertainment as chefs prepare meals on a hot grill right in front of you. ",[19856],{"start":9,"end":8794,"type":5402,"data":19857},{"link_type":69,"url":19858,"target":186},"https://divedeals.sg/blog/best-omakase-and-teppanyaki-restaurants-in-singapore",{"type":180,"text":19860,"spans":19861,"direction":123},"Discover the best places in Singapore to enjoy these unique and delightful dining experiences: Best Omakase and Teppanyaki Restaurants in Singapore",[19862],{"start":14285,"end":19863,"type":5402,"data":19864},147,{"link_type":69,"url":19858,"target":186},{"type":171,"text":19866,"spans":19867,"direction":123},"Other Japanese food deal articles",[],{"type":4229,"text":19869,"spans":19870,"direction":123},"(Expired) 4 Japanese Cuisine Deals at Harbourfront you shouldn't miss",[19871],{"start":3601,"end":6961,"type":5402,"data":19872},{"link_type":69,"url":19873,"target":186},"https://divedeals.sg/blog/4-japanese-cuisine-deals-at-harbourfront",{"type":4229,"text":19875,"spans":19876,"direction":123},"(Expired) Savor the Flavors of Japan: 8 Handpicked Japanese Restaurants with Citibank Card Privileges",[19877],{"start":3601,"end":19878,"type":5402,"data":19879},101,{"link_type":69,"url":19880,"target":186},"https://divedeals.sg/blog/savor-the-flavors-of-japan-with-citibank-card-privileges",{"type":4229,"text":7,"spans":19882,"direction":123},[],{"type":7946,"text":19884,"spans":19885,"direction":123},"Korean Food",[],{"type":180,"text":19887,"spans":19888,"direction":123},"Korean cuisine has taken Singapore by storm. From Korean BBQ to traditional dishes like bibimbap and kimchi, explore the best deals on Korean food in Singapore. Whether you're craving a hearty meal or a quick snack, our guide will help you find delicious Korean food at great prices.",[19889],{"start":9,"end":5511,"type":5402,"data":19890},{"link_type":69,"url":19891,"target":186},"https://divedeals.sg/blog/uncovering-singapores-best-korean-food-deals",{"type":171,"text":19893,"spans":19894,"direction":123},"Uncovering Singapore's Best Korean Food Deals",[],{"type":180,"text":19896,"spans":19897,"direction":123},"It's great for Korean food lovers in Singapore, with numerous deals that make enjoying this cuisine even more attractive. From BBQ buffets to set meals, these deals provide excellent value for money. Explore top Korean restaurants offering promotions that let you indulge in authentic Korean flavors without straining your budget. Discover hidden gems and popular spots that serve everything from bulgogi to bibimbap at fantastic prices.",[],{"type":180,"text":19899,"spans":19900,"direction":123},"Find out more here: Uncovering Singapore's Best Korean Food Restaurants",[19901],{"start":10516,"end":7960,"type":5402,"data":19902},{"link_type":69,"url":19891,"target":186},{"type":171,"text":19904,"spans":19905,"direction":123},"Best Korean BBQs in Singapore",[],{"type":180,"text":19907,"spans":19908,"direction":123},"Korean BBQ is a dining experience like no other, allowing you to grill your own meats and enjoy a variety of side dishes. Singapore boasts some of the best Korean BBQ restaurants where you can savor premium cuts of beef, pork, and chicken, all marinated to perfection. These restaurants offer a vibrant atmosphere, perfect for gatherings and celebrations. Enjoy the smoky, rich flavors of Korean BBQ at these top spots.",[19909],{"start":19910,"end":7340,"type":5402,"data":19911},151,{"link_type":69,"url":19912,"target":17144},"https://divedeals.sg/blog/best-korean-bbqs-in-singapore",{"type":180,"text":7,"spans":19914,"direction":123},[],{"type":7946,"text":19916,"spans":19917,"direction":123},"Western Food",[],{"type":171,"text":19919,"spans":19920,"direction":123},"Which Steakhouse Does It Best in Singapore?",[],{"type":180,"text":19922,"spans":19923,"direction":123},"Singapore boasts several top-notch steakhouses, each offering a unique dining experience. Whether you prefer a classic American steak or an Australian wagyu, our guide to the best steakhouses will help you find the perfect spot. Discover which steakhouse does it best, and enjoy a meal that's cooked to perfection.",[19924],{"start":3602,"end":8482,"type":5402,"data":19925},{"link_type":69,"url":19926,"target":186},"https://divedeals.sg/blog/the-best-steakhouses-in-singapore",{"type":180,"text":19928,"spans":19929,"direction":123},"Read more here: Which Steakhouse Does it Best in Singapore? (divedeals.sg)",[19930],{"start":6275,"end":18881,"type":5402,"data":19931},{"link_type":69,"url":19926,"target":186},{"type":171,"text":19933,"spans":19934,"direction":123},"Other western food deals posts ",[],{"type":4229,"text":19936,"spans":19937,"direction":123},"3 Western Food Deals In Bugis To Tantalise Your Tastebuds",[19938],{"start":9,"end":14428,"type":5402,"data":19939},{"link_type":69,"url":19940,"target":186},"https://divedeals.sg/blog/western-food-deals-in-bugis-to-tantalise-your-tastebuds",{"type":4229,"text":19942,"spans":19943,"direction":123},"(Expired) 4 Western Food Deals In Serangoon To Whet Your Appetite",[19944],{"start":3601,"end":8818,"type":5402,"data":19945},{"link_type":69,"url":19946,"target":186},"https://divedeals.sg/blog/western-food-deals-in-serangoon-to-whet-your-appetite",{"type":4229,"text":19948,"spans":19949,"direction":123},"Where To Eat: Irresistible Western Food Deals In Bugis",[19950],{"start":9,"end":11848,"type":5402,"data":19951},{"link_type":69,"url":19952,"target":186},"https://divedeals.sg/blog/where-to-eat-irresistible-western-food-deals-in-bugis",{"type":4229,"text":19954,"spans":19955,"direction":123},"(Expired) Rack Up Savings With These 4 Western Food Deals In Serangoon",[19956],{"start":3601,"end":11855,"type":5402,"data":19957},{"link_type":69,"url":19958,"target":186},"https://divedeals.sg/blog/rack-up-savings-with-western-food-deals-serangoon",{"type":180,"text":7,"spans":19960,"direction":123},[],{"type":7946,"text":19962,"spans":19963,"direction":123},"Fast Food",[],{"type":180,"text":19965,"spans":19966,"direction":123},"Fast food is a convenient and popular choice for many in Singapore. Our comprehensive guide covers the best fast food deals, promotions, and new menu items. Stay updated with the latest offerings from your favorite fast food chains and enjoy great savings.",[],{"type":171,"text":19968,"spans":19969,"direction":123},"Burger King Coupons and Promotions",[19970],{"start":9,"end":8416,"type":5402,"data":19971},{"link_type":69,"url":19972,"target":186},"https://divedeals.sg/blog/burger-king-coupons-and-promotions",{"type":180,"text":19974,"spans":19975,"direction":123},"Burger King fans can look forward to exciting coupons and promotions throughout 2023. From discounted meals to special offers, our guide ensures you never miss out on a great deal. Satisfy your cravings with Burger King's tasty offerings at unbeatable prices.",[],{"type":171,"text":19977,"spans":19978,"direction":123},"KFC promo code and delivery promotion",[19979],{"start":9,"end":7315,"type":5402,"data":19980},{"link_type":69,"url":19981,"target":186},"https://divedeals.sg/blog/kfc-promo-code-and-delivery-promotions",{"type":180,"text":19983,"spans":19984,"direction":123},"KFC lovers, rejoice! Discover the latest promo codes and delivery promotions available in Singapore. Enjoy your favorite fried chicken and sides with exclusive deals that make dining in or ordering out even more affordable.",[],{"type":171,"text":19986,"spans":19987,"direction":123},"New McDonald's Happy Meal Toys",[19988],{"start":9,"end":5512,"type":5402,"data":19989},{"link_type":69,"url":19990,"target":186},"https://divedeals.sg/blog/new-mcdonalds-happy-meal-toys",{"type":180,"text":19992,"spans":19993,"direction":123},"McDonald's Happy Meal toys are a hit with kids and collectors alike. Stay updated on the latest toys available with your Happy Meal, and make every visit to McDonald's a fun experience. Collect them all while enjoying a delicious meal.",[],{"type":171,"text":19995,"spans":19996,"direction":123},"McDonald's timings, app rewards and secret features",[19997],{"start":9,"end":5401,"type":5402,"data":19998},{"link_type":69,"url":19999,"target":186},"https://divedeals.sg/blog/mcdonalds-tips-and-tricks",{"type":180,"text":20001,"spans":20002,"direction":123},"Maximize your McDonald's experience with our guide to their operating hours, app rewards, and secret features. Learn about the best times to visit, how to earn rewards through the app, and uncover hidden menu items that are sure to delight.",[],{"type":180,"text":7,"spans":20004,"direction":123},[],{"type":7946,"text":20006,"spans":20007,"direction":123},"Bubble Tea",[],{"type":180,"text":20009,"spans":20010,"direction":123},"Bubble tea is a beloved drink in Singapore, and there are always exciting promotions to enjoy. Our ultimate guide covers the best bubble tea deals available, featuring popular brands and new flavors. Quench your thirst and satisfy your sweet cravings with these fantastic offers.",[],{"type":4229,"text":20012,"spans":20013,"direction":123},"(Expired) 4 Bubble Tea Deals in Orchard To Get Your Boba Fix",[20014],{"start":3601,"end":9477,"type":5402,"data":20015},{"link_type":69,"url":20016,"target":186},"https://divedeals.sg/blog/4-bubble-tea-deals-in-orchard-to-get-your-boba-fix",{"type":4229,"text":20018,"spans":20019,"direction":123},"(Expired) 4 Bubble Tea Deals In Yishun To Satisfy Your Sweet Cravings",[20020],{"start":3601,"end":6961,"type":5402,"data":20021},{"link_type":69,"url":20022,"target":186},"https://divedeals.sg/blog/bubble-tea-deals-in-yishun-to-satisfy-your-sweet",{"type":180,"text":7,"spans":20024,"direction":123},[],{"type":7946,"text":20026,"spans":20027,"direction":123},"Takeaway & Delivery",[],{"type":180,"text":20029,"spans":20030,"direction":123},"The convenience of takeaway and delivery options has become indispensable. Whether you're at home or in the office, these deals ensure you can enjoy your favorite meals without the hassle of cooking. Most of the articles here are published at the height of COVID-19, so many of the deals are no longer applicable. For the most up-to-date food delivery promo code from GrabFood, foodpanda, Deliveroo, Why Q, check out the promo code listing here: Exclusive & Validated Singapore Promo Codes - Best Coupon Codes & Discounts",[20031,20036,20038],{"start":20032,"end":20033,"type":5402,"data":20034},338,405,{"link_type":69,"url":20035,"target":186},"https://divedeals.sg/singapore-promo-codes#food-delivery-promo-codes",{"start":20037,"end":20033,"type":3603},368,{"start":20039,"end":20040,"type":5402,"data":20041},446,521,{"link_type":69,"url":20035,"target":186},{"type":4229,"text":20043,"spans":20044,"direction":123},"(Expired) 8 Best Takeaway/Delivery Deals for the East!",[20045],{"start":3601,"end":11848,"type":5402,"data":20046},{"link_type":69,"url":20047,"target":186},"https://divedeals.sg/blog/8-best-takeaway-delivery-deals-for-theeast",{"type":4229,"text":20049,"spans":20050,"direction":123},"(Expired) 8 Best Takeaway/Delivery Deals for the North (Phase 2 HA)",[20051],{"start":3601,"end":8856,"type":5402,"data":20052},{"link_type":69,"url":20053,"target":186},"https://divedeals.sg/blog/8-best-takeaway-delivery-deals-for-the-north-phase-2-ha",{"type":4229,"text":20055,"spans":20056,"direction":123},"(Expired) 8 Best Takeaway/Delivery Deals for the North-East (Phase 2 HA)",[20057],{"start":3601,"end":8596,"type":5402,"data":20058},{"link_type":69,"url":20059,"target":186},"https://divedeals.sg/blog/8-best-takeaway-delivery-deals-for-the-north-east-phase-2-ha",{"type":4229,"text":20061,"spans":20062,"direction":123},"(Expired) 8 Best Takeaway/Delivery Deals for the West!",[20063],{"start":3601,"end":11848,"type":5402,"data":20064},{"link_type":69,"url":20065,"target":186},"https://divedeals.sg/blog/8-best-takeaway-delivery-deals-for-the-west",{"type":4229,"text":20067,"spans":20068,"direction":123},"(Expired) Appetizing Takeaway Deals for Western Food in Jurong East",[20069],{"start":3601,"end":8856,"type":5402,"data":20070},{"link_type":69,"url":20071,"target":186},"https://divedeals.sg/blog/appetizing-takeaway-deals-for-western-food-in-jurong",{"type":180,"text":7,"spans":20073,"direction":123},[],{"type":7946,"text":20075,"spans":20076,"direction":123},"Location-Based Deals",[],{"type":180,"text":20078,"spans":20079,"direction":123},"Location-based deals help you discover the best dining options in your area, making it easier to find great food close to home or work.",[],{"type":4229,"text":20081,"spans":20082,"direction":123},"(Expired) Best Food Places in Tampines",[20083],{"start":3601,"end":7992,"type":5402,"data":20084},{"link_type":69,"url":20085,"target":186},"https://divedeals.sg/blog/best-food-places-in-tampines",{"type":4229,"text":20087,"spans":20088,"direction":123},"(Expired) Top 8 Food Deals in the North-East",[20089],{"start":3601,"end":8365,"type":5402,"data":20090},{"link_type":69,"url":20091,"target":186},"https://divedeals.sg/blog/top-8-food-deals-in-the-north-east",{"type":4229,"text":20093,"spans":20094,"direction":123},"(Expired) 3 Afternoon Tea Deals At Raffles For A Fancy Midday Treat",[20095],{"start":3601,"end":8856,"type":5402,"data":20096},{"link_type":69,"url":20097,"target":186},"https://divedeals.sg/blog/3-afternoon-tea-deals-at-raffles-for-a-fancy-midday",{"type":4229,"text":20099,"spans":20100,"direction":123},"(Expired) Fire Up Your Tastebuds: Deals For Thai Food At River Valley",[20101],{"start":3601,"end":6961,"type":5402,"data":20102},{"link_type":69,"url":20103,"target":186},"https://divedeals.sg/blog/fire-up-your-tastebuds-deals-for-thai-food-at-river",{"type":4229,"text":20105,"spans":20106,"direction":123},"(Expired) 8 food deals to grab this October for those staying in Sembawang!",[20107],{"start":3601,"end":8491,"type":5402,"data":20108},{"link_type":69,"url":20109,"target":186},"https://divedeals.sg/blog/8-food-deals-to-grab-this-october-for-those-staying",{"type":4229,"text":20111,"spans":20112,"direction":123},"(Expired) Top 12 Food Deals in the South!",[20113],{"start":3601,"end":7999,"type":5402,"data":20114},{"link_type":69,"url":20115,"target":186},"https://divedeals.sg/blog/top-12-food-deals-in-the-south",{"type":4229,"text":20117,"spans":20118,"direction":123},"(Expired) 10 ‘Not To Miss’ Food Deals around Sengkang & Punggol from Spicy Chicken to Free Ice Cream!",[20119],{"start":3601,"end":19878,"type":5402,"data":20120},{"link_type":69,"url":20121,"target":186},"https://divedeals.sg/blog/10-not-to-miss-food-deals-around-sengkang--punggol",{"type":180,"text":7,"spans":20123,"direction":123},[],{"type":7946,"text":20125,"spans":20126,"direction":123},"Others",[],{"type":180,"text":20128,"spans":20129,"direction":123},"In addition to specific cuisines and locations, there are numerous other exciting food deals and promotions worth exploring.",[],{"type":4229,"text":20131,"spans":20132,"direction":123},"(Expired) Swinging back to 5- Celebrate with these 5 food deals that we miss eating as a group!",[20133],{"start":3601,"end":14285,"type":5402,"data":20134},{"link_type":69,"url":20135,"target":186},"https://divedeals.sg/blog/swinging-back-to-5--celebrate-with-these-5-food-deals",{"type":4229,"text":20137,"spans":20138,"direction":123},"(Expired) Ultimate Comfort Food Deals Guide",[20139],{"start":3601,"end":5453,"type":5402,"data":20140},{"link_type":69,"url":20141,"target":186},"https://divedeals.sg/blog/what-is-more-comforting-than-sipping-into-that-bowl",{"type":4229,"text":20143,"spans":20144,"direction":123},"(Expired) New Dining Discount Deals In Singapore To Discover In 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More",[20162],{"start":3601,"end":13245,"type":5402,"data":20163},{"link_type":69,"url":20164,"target":186},"https://divedeals.sg/blog/dont-miss-these-hot-deals-1-1-froyo-snacks-more",{"type":4229,"text":20166,"spans":20167,"direction":123},"(Expired) An Honest Review on Grain's Meals on Demand During Phase 2 HA",[20168],{"start":3601,"end":7960,"type":5402,"data":20169},{"link_type":69,"url":20170,"target":186},"https://divedeals.sg/blog/an-honest-review-on-grains-meals-on-demand-during-phase-2",{"type":180,"text":7,"spans":20172,"direction":123},[],{"type":7946,"text":20174,"spans":20175,"direction":123},"Conclusion",[],{"type":180,"text":20177,"spans":20178,"direction":123},"This guide provides a comprehensive overview of the best food and dining deals available in Singapore. 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Sign up for our newsletter to receive timely updates on the best coupons and promo codes for your favorite online stores. Enjoy stackable coupon codes for maximum savings!",[],{"type":180,"text":7,"spans":21752,"direction":123},[],{"type":180,"text":21754,"spans":21755,"direction":123},"Disclaimer: We may earn a commission from partnering brands to support our continuous deal-hunting efforts for our beloved community – that’s you 😊",[21756],{"start":9,"end":5452,"type":3603},[21758],{},"text$3ced86a3-ac27-4032-a4ce-60f94631b25c",{"id":21761,"uid":21762,"url":107,"type":7846,"href":21763,"tags":21764,"first_publication_date":21767,"last_publication_date":21768,"slugs":21769,"linked_documents":21771,"lang":115,"alternate_languages":21772,"data":21773},"YdEeLhEAACEAeYfu","birthday-deals-in-singapore-to-treat-yourself","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22YdEeLhEAACEAeYfu%22%29+%5D%5D",[21765,21766],"Ocassion","Birthday","2022-01-19T03:46:38+0000","2026-04-25T10:19:08+0000",[21770],"complete-guide-to-birthday-deals-and-treats-in-singapore-2026",[],[],{"title":21774,"seo_title":21778,"seo_meta_description":21781,"featured":773,"expired":16,"noindex":16,"cover_image":21785,"date":21792,"author_link":21793,"body":21803},[21775],{"type":120,"text":21776,"spans":21777,"direction":123},"Complete Guide to Birthday deals and treats in Singapore 2026 ",[],[21779],{"type":120,"text":21776,"spans":21780,"direction":123},[],[21782],{"type":120,"text":21783,"spans":21784,"direction":123},"We’ve compiled a pretty comprehensive list of Birthday Deals for you to make use of on your Birthday month this 2026 - FREE buffets, discounted cakes and sooo much more. ",[],{"dimensions":21786,"alt":107,"copyright":107,"url":21789,"id":21790,"edit":21791},{"width":21787,"height":21788},1036,542,"https://images.prismic.io/dive/ad95W51ZCF7ETNdK_photo_2026-04-1517%2C48%2C30-Picsart-AiImageEnhancer.png?auto=format,compress","ad95W51ZCF7ETNdK",{"x":9,"y":9,"zoom":5194,"background":5195},"2026-03-30",{"id":20220,"type":7881,"tags":21794,"lang":115,"slug":20222,"first_publication_date":20223,"last_publication_date":20224,"data":21795,"link_type":7927,"key":21802,"isBroken":16},[],{"name":21796,"picture":21799},[21797],{"type":180,"text":20228,"spans":21798,"direction":123},[],{"dimensions":21800,"alt":107,"copyright":107,"url":20232,"id":20233,"edit":21801},{"width":7917,"height":7917},{"x":20235,"y":9,"zoom":5194,"background":5195},"315b7cd1-fe3c-484c-acf4-870949e700f9",[21804,21827,21836,21849,22009,22021,22108,22120,22273,22285,22441,22449,22461,22738,22748,22760,22792,22797,22806],{"primary":21805,"items":21824,"id":21826,"slice_type":7941,"slice_label":107},{"text":21806},[21807,21810,21813,21817],{"type":180,"text":21808,"spans":21809,"direction":123},"It's your birthday after all, and so you want to treat yourself to something scrumptious, exciting or simply fun! Then you look into your bank account and realize that you don’t have much of a budget. Oops. ",[],{"type":180,"text":21811,"spans":21812,"direction":123},"Fret not. ",[],{"type":180,"text":21814,"spans":21815,"direction":123},"We’ve compiled 64 Birthday Deals and treats for you that are valid this 2026 - FREE buffets, discounted cakes and sooo much more! Read on and choose your favourites for a memorable birthday within your budget. ",[21816],{"start":8464,"end":8837,"type":3603},{"type":180,"text":21818,"spans":21819,"direction":123},"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) 😉 ",[21820,21821],{"start":9,"end":11909,"type":7900},{"start":16503,"end":16504,"type":5402,"data":21822},{"link_type":69,"url":21823,"target":186},"http://div.sg/birthday",[21825],{},"text$40834274-8508-42e5-8f95-fe3251c84d5a",{"primary":21828,"items":21833,"id":21835,"slice_type":7941,"slice_label":107},{"text":21829},[21830],{"type":7946,"text":19699,"spans":21831},[21832],{"start":9,"end":8097,"type":3603},[21834],{},"text$2a4e8221-3f22-4c8c-ac13-23549ffe89f4",{"primary":21837,"items":21846,"id":21848,"slice_type":9739,"slice_label":107},{"image":21838,"caption":21844,"additional_link":21845,"anchor_id":107},{"dimensions":21839,"alt":107,"copyright":107,"url":21841,"id":21842,"edit":21843},{"width":7513,"height":21840},676,"https://images.prismic.io/dive/65cd65ad9be9a5b998b5d5cd_BIRTHDAYDEALSBLOGCOVER-2-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1lrZvppbmYtdXN",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[21847],{},"image_with_caption$8b73bf9e-2fe6-4b44-a693-8212440591f1",{"primary":21850,"items":22006,"id":22008,"slice_type":7941,"slice_label":107},{"text":21851},[21852,21855,21865,21868,21878,21881,21884,21894,21897,21902,21909,21915,21919,21925,21928,21934,21937,21944,21947,21957,21960,21967,21970,21977,21980,21987,21990,21997,22000,22003],{"type":7946,"text":21853,"spans":21854,"direction":123},"Korean & Japanese",[],{"type":180,"text":21856,"spans":21857,"direction":123},"1. Suki-Ya - Dine FREE on your birthday",[21858,21859,21862],{"start":9,"end":3601,"type":3603},{"start":18094,"end":3601,"type":5402,"data":21860},{"link_type":69,"url":21861,"target":186},"https://divedeals.sg/brands/Suki-Ya",{"start":5703,"end":8312,"type":5402,"data":21863},{"link_type":69,"url":21864,"target":186},"https://divedeals.sg/deals/food/Suki-Ya-Dine-FREE-on-your-birthday-1738526648_SukiYa ",{"type":180,"text":21866,"spans":21867,"direction":123},"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":180,"text":21869,"spans":21870,"direction":123},"2. 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Bari-Uma Ramen - Free gyoza birthday promotion",[21887,21888,21891],{"start":9,"end":7423,"type":3603},{"start":18094,"end":3602,"type":5402,"data":21889},{"link_type":69,"url":21890,"target":186},"https://divedeals.sg/brands/Bari-Uma-Ramen",{"start":10516,"end":8701,"type":5402,"data":21892},{"link_type":69,"url":21893,"target":186},"https://divedeals.sg/deals/food/Bari-Uma-Ramen-Free-gyoza-birthday-promotion-1738308524_BariUmaRamen ",{"type":180,"text":21895,"spans":21896,"direction":123},"Customers whose birthdays fall within the current month can receive FREE Gyoza equal to their age by ordering Ramen or Fried Rice! ",[],{"type":180,"text":21898,"spans":21899,"direction":123},"*Available exclusively at the Bari-Uma Novena Garden Outlet.",[21900],{"start":5512,"end":7992,"type":5402,"data":21901},{"link_type":69,"url":21890,"target":186},{"type":180,"text":21903,"spans":21904,"direction":123},"4. Genki Sushi - Birthday discount",[21905,21906],{"start":9,"end":3602,"type":3603},{"start":3602,"end":8416,"type":5402,"data":21907},{"link_type":69,"url":21908,"target":186},"https://divedeals.sg/deals/food/Genki-Sushi-Birthday-discount-1738526547_GenkiSushi ",{"type":180,"text":21910,"spans":21911,"direction":123},"Genki Club and Genki Premium members can enjoy the benefits of a birthday discount!",[21912],{"start":9,"end":11655,"type":5402,"data":21913},{"link_type":69,"url":21914,"target":186},"https://divedeals.sg/brands/Genki-Sushi",{"type":180,"text":21916,"spans":21917,"direction":123},"5. Tanuki Raw ",[21918],{"start":9,"end":5511,"type":3603},{"type":4229,"text":21920,"spans":21921,"direction":123},"Salmon birthday special",[21922],{"start":9,"end":7475,"type":5402,"data":21923},{"link_type":69,"url":21924,"target":186},"https://divedeals.sg/deals/food/Tanuki-Raw-Salmon-birthday-special-1742797829_TanukiRaw ",{"type":180,"text":21926,"spans":21927,"direction":123},"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":4229,"text":21929,"spans":21930,"direction":123}," Birthday wine special",[21931],{"start":9,"end":8794,"type":5402,"data":21932},{"link_type":69,"url":21933,"target":186},"https://divedeals.sg/deals/food/Tanuki-Raw-Birthday-wine-special-1742797848_TanukiRaw",{"type":180,"text":21935,"spans":21936,"direction":123},"Let the wine flow when celebrating your birthday at Tanuki Raw’s Orchard Central branch!",[],{"type":180,"text":21938,"spans":21939,"direction":123},"6. Café&Meal MUJI - $2 Off any set meal",[21940,21941],{"start":9,"end":7423,"type":3603},{"start":10516,"end":8312,"type":5402,"data":21942},{"link_type":69,"url":21943,"target":17144},"https://divedeals.sg/deals/food/Caf%C3%A9Meal-MUJI-2-OFF-any-Set-Meal-1774423426_CafMealMUJI ",{"type":180,"text":21945,"spans":21946,"direction":123},"Applicable with Deli Set or Donburi purchase in a single receipt",[],{"type":180,"text":21948,"spans":21949,"direction":123},"7. 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Hei Sushi - Up to 20% Off",[21963,21964],{"start":9,"end":5703,"type":3603},{"start":10357,"end":8536,"type":5402,"data":21965},{"link_type":69,"url":21966,"target":17144},"https://divedeals.sg/deals/food/Hei-Sushi-Up-to-20-off-1769375075_HeiSushi ",{"type":180,"text":21968,"spans":21969,"direction":123},"Valid for ala carte items only. ",[],{"type":180,"text":21971,"spans":21972,"direction":123},"9. Seoul Garden - $20 Birthday Voucher",[21973,21974],{"start":9,"end":6275,"type":3603},{"start":9667,"end":7992,"type":5402,"data":21975},{"link_type":69,"url":21976,"target":17144},"https://divedeals.sg/deals/food/Seoul-Garden-20-Birthday-Voucher-1738308871_SeoulGarden ",{"type":180,"text":21978,"spans":21979,"direction":123},"Sign up for a free membership to receive $20 birthday voucher.",[],{"type":180,"text":21981,"spans":21982,"direction":123},"10. Don Don Donki - Surprise Birthday Gift ",[21983,21984],{"start":9,"end":9667,"type":3603},{"start":10516,"end":5453,"type":5402,"data":21985},{"link_type":69,"url":21986,"target":17144},"https://divedeals.sg/deals/food/DON-DON-DONKI-Surprise-Birthday-Gift-1769373658_DONDONDONKI ",{"type":180,"text":21988,"spans":21989,"direction":123},"Sign up for FREE and enjoy lifetime DONKI member perks! Get ready for flash deals, birthday surprises, and cash coupons!",[],{"type":180,"text":21991,"spans":21992,"direction":123},"11. Commonwealth Concepts - 3 x 30% Off ",[21993,21994],{"start":9,"end":9277,"type":3603},{"start":8536,"end":7433,"type":5402,"data":21995},{"link_type":69,"url":21996,"target":17144},"https://divedeals.sg/deals/food/Commonwealth-Concepts-Up-to-3-x-30-Birthday-Discount-1774523425_CommonwealthConcepts ",{"type":4229,"text":21998,"spans":21999,"direction":123},"Plus 1: 25% Off",[],{"type":4229,"text":22001,"spans":22002,"direction":123},"Plus 2:  2 x 25% off birthday vouchers",[],{"type":4229,"text":22004,"spans":22005,"direction":123},"Plus 3 members: 3 x 30% off vouchers.",[],[22007],{},"text$f90ec675-d4f3-450b-b48f-520933095623",{"primary":22010,"items":22018,"id":22020,"slice_type":9739,"slice_label":107},{"image":22011,"caption":22016,"additional_link":22017,"anchor_id":107},{"dimensions":22012,"alt":107,"copyright":107,"url":22013,"id":22014,"edit":22015},{"width":7513,"height":21840},"https://images.prismic.io/dive/65cd669d9be9a5b998b5d5ce_BIRTHDAYDEALSBLOGCOVER-3-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1mnZvppbmYtdXO",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[22019],{},"image_with_caption$0317e7c6-2a28-4b04-a2f0-1914b30e1424",{"primary":22022,"items":22105,"id":22107,"slice_type":7941,"slice_label":107},{"text":22023},[22024,22027,22037,22040,22050,22053,22060,22063,22070,22073,22076,22079,22082,22089,22092,22099,22102],{"type":7946,"text":22025,"spans":22026,"direction":123},"Asian",[],{"type":180,"text":22028,"spans":22029,"direction":123},"12. Paradise Group - 20% rebates & $50 e-birthday vouchers",[22030,22031,22034],{"start":9,"end":10516,"type":3603},{"start":8097,"end":9667,"type":5402,"data":22032},{"link_type":69,"url":22033,"target":17144},"https://divedeals.sg/brands/Paradise-Group",{"start":13946,"end":8040,"type":5402,"data":22035},{"link_type":69,"url":22036,"target":186},"https://divedeals.sg/deals/food/Paradise-Group-20-P-rebates--50-birthday-e-vouchers-1769365845_ParadiseGroup",{"type":180,"text":22038,"spans":22039,"direction":123},"Earn 20% P$ 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":180,"text":22041,"spans":22042,"direction":123},"13. Suki-Suki Thai Hot Pot - Dine for free on your birthday",[22043,22044,22047],{"start":9,"end":9277,"type":3603},{"start":8097,"end":9277,"type":5402,"data":22045},{"link_type":69,"url":22046,"target":186},"https://divedeals.sg/brands/Suki-Suki-Thai-Hot-Pot",{"start":8302,"end":8411,"type":5402,"data":22048},{"link_type":69,"url":22049,"target":186},"https://divedeals.sg/deals/food/Suki-Suki-Thai-Hot-Pot-Dine-for-free-on-your-birthday-1769365923_SukiSukiThaiHotPot",{"type":180,"text":22051,"spans":22052,"direction":123},"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":180,"text":22054,"spans":22055,"direction":123},"14. Shihlin Taiwan Street Snacks - 1-for-1 ala carte snack birthday reward",[22056,22057],{"start":9,"end":8795,"type":3603},{"start":5400,"end":18881,"type":5402,"data":22058},{"link_type":69,"url":22059,"target":186},"https://divedeals.sg/deals/food/Shihlin-Taiwan-Street-Snacks-1-for-1-ala-carte-snack-birthday-reward-1769365967_ShihlinTaiwanStreetSnacks",{"type":180,"text":22061,"spans":22062,"direction":123},"Another birthday deal exclusively for members - enjoy a 20% off e-voucher that is redeemable during your birthday month only.  ",[],{"type":180,"text":22064,"spans":22065,"direction":123},"15. 海底捞 Haidilao Hot Pot - Up to $60 Birthday Voucher",[22066,22067],{"start":9,"end":6267,"type":3603},{"start":9696,"end":8012,"type":5402,"data":22068},{"link_type":69,"url":22069,"target":186},"https://divedeals.sg/deals/food/海底捞-Haidilao-Hot-Pot-Up-to-60-Birthday-Voucher-1769366023_HaidilaoHotPot#z1zRS99AanVIedKbo6131aBxUR23",{"type":180,"text":22071,"spans":22072,"direction":123},"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":4229,"text":22074,"spans":22075,"direction":123},"Red/Silver Member can get a 20 SGD discount voucher; Gold Member can get two; and Premium Member can get three. ",[],{"type":4229,"text":22077,"spans":22078,"direction":123},"Each voucher, valid for 30 days, can be used upon purchase over 100 SGD.",[],{"type":4229,"text":22080,"spans":22081,"direction":123},"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":180,"text":22083,"spans":22084,"direction":123}," 16. COCA Steamboat - Get 50% Off Signature Buffet and a complimentary Chef's Special",[22085,22086],{"start":9,"end":10516,"type":3603},{"start":8794,"end":8739,"type":5402,"data":22087},{"link_type":69,"url":22088,"target":17144},"https://divedeals.sg/deals/food/COCA-Get-50-Off-Signature-Buffet-1769364238_COCA",{"type":180,"text":22090,"spans":22091,"direction":123},"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":180,"text":22093,"spans":22094,"direction":123},"17. 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Cajun on Wheels -  Free Lobster on your birthday month",[22129,22130,22133],{"start":9,"end":8794,"type":3603},{"start":8097,"end":7423,"type":5402,"data":22131},{"link_type":69,"url":22132,"target":186},"https://divedeals.sg/brands/Cajun-on-Wheels",{"start":8794,"end":8040,"type":5402,"data":22134},{"link_type":69,"url":22135,"target":186},"https://divedeals.sg/deals/food/Cajun-on-Wheels-Free-Lobster-on-your-birthday-month-1742797791_CajunonWheels ",{"type":180,"text":22137,"spans":22138,"direction":123},"Yet another reason to rejoice that you are a year older - Enjoy A Free Lobster With The Olympian Bucket On Your Birthday! Yummy!",[],{"type":180,"text":22140,"spans":22141,"direction":123},"19. The Boiler - Free Lobster on your birthday",[22142,22143],{"start":9,"end":6275,"type":3603},{"start":3602,"end":8482,"type":5402,"data":22144},{"link_type":69,"url":22145,"target":186},"https://divedeals.sg/deals/food/The-Boiler-Free-Lobster-on-your-birthday-1739145571_TheBoiler ",{"type":180,"text":22147,"spans":22148,"direction":123},"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":180,"text":22150,"spans":22151,"direction":123},"This special promotion is exclusively for Members. Ensure to provide your full name and registered email address for seamless verification.",[],{"type":180,"text":22153,"spans":22154,"direction":123},"20. 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The Connoisseur Concerto - Up to 50% Rebates + Birthday Sliced Cake",[22399,22400],{"start":9,"end":8536,"type":3603},{"start":8469,"end":7960,"type":5402,"data":22401},{"link_type":69,"url":22402,"target":17144},"https://divedeals.sg/deals/food/The-Connoisseur-Concerto-Up-to-50-rebate-with-birthday-sliced-cake-1774424743_TheConnoisseurConcerto",{"type":4229,"text":22404,"spans":22405,"direction":123},"Lifestyle member: Double rebates for first 4 transactions (equivalent to 30%) + Complimentary slice of birthday cake e-voucher",[],{"type":4229,"text":22407,"spans":22408,"direction":123},"Prestige member: Double rebates for first 4 transactions (equivalent to 50%) + Complimentary slice of birthday cake e-voucher",[],{"type":180,"text":22410,"spans":22411,"direction":123},"40. 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Innisfree - Up to 25% off birthday voucher",[22529,22530],{"start":9,"end":5703,"type":3603},{"start":6275,"end":8482,"type":5402,"data":22531},{"link_type":69,"url":22532,"target":186},"https://divedeals.sg/deals/shopping/Innisfree-Up-to-25-off-birthday-treat-1738527062_Innisfree ",{"type":180,"text":22534,"spans":22535,"direction":123},"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.",[22536],{"start":6407,"end":8528,"type":5402,"data":22537},{"link_type":69,"url":22538,"target":186},"https://divedeals.sg/brands/Innisfree",{"type":180,"text":22540,"spans":22541,"direction":123},"48. Kiehls - Up to 20% off birthday month",[22542,22543],{"start":9,"end":3601,"type":3603},{"start":5703,"end":7999,"type":5402,"data":22544},{"link_type":69,"url":22545,"target":186},"https://divedeals.sg/deals/shopping/Kiehls-Up-to-20-off-birthday-month-1738527116_Kiehls ",{"type":180,"text":22547,"spans":22548,"direction":123},"Sign up for Kiehl's Rewards and enjoy exclusive birthday treats – up to 20% off discounts during your birthday month!",[22549],{"start":7014,"end":7423,"type":5402,"data":22550},{"link_type":69,"url":22551,"target":186},"https://divedeals.sg/brands/Kiehl's",{"type":180,"text":22553,"spans":22554,"direction":123},"49. The Body Shop - 25% Off Birthday Coupon",[22555,22556],{"start":9,"end":3602,"type":3603},{"start":10516,"end":5453,"type":5402,"data":22557},{"link_type":69,"url":22558,"target":17144},"https://divedeals.sg/deals/shopping/The-Body-Shop-25-off-birthday-coupon-1738527142_TheBodyShop",{"type":180,"text":22560,"spans":22561,"direction":123},"Receive a 25% off birthday coupon from The Body Shop",[],{"type":180,"text":22563,"spans":22564,"direction":123},"50. Popular Bookstore - 20% off on birthday month",[22565,22566],{"start":9,"end":8794,"type":3603},{"start":6267,"end":8701,"type":5402,"data":22567},{"link_type":69,"url":22568,"target":186},"https://divedeals.sg/deals/shopping/Popular-Bookstore-20-off-on-birthday-month-1738527421_PopularBookstore ",{"type":180,"text":22570,"spans":22571,"direction":123},"As a Popular member, you have access to a special selection of birthday deals in the shopping, lifestyle, leisure, and food & beverage categories.",[22572],{"start":11655,"end":7014,"type":5402,"data":22573},{"link_type":69,"url":22574,"target":186},"https://divedeals.sg/brands/Popular-Bookstore",{"type":180,"text":22576,"spans":22577,"direction":123},"51. Pet Lovers Centre - 15% Birthday Month Savings",[22578,22579],{"start":9,"end":13946,"type":3603},{"start":6267,"end":7953,"type":5402,"data":22580},{"link_type":69,"url":22581,"target":186},"https://divedeals.sg/deals/shopping/Pet-Lovers-Centre-15-off-Birthday-Month-Savings-1738527453_PetLoversCentre ",{"type":180,"text":22583,"spans":22584,"direction":123},"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!",[22585],{"start":5209,"end":16563,"type":5402,"data":22586},{"link_type":69,"url":22587,"target":186},"https://divedeals.sg/brands/Pet-Lovers-Centre",{"type":180,"text":22589,"spans":22590,"direction":123},"52. MUJI - 10% off birthday privilege",[22591,22592],{"start":9,"end":8085,"type":3603},{"start":5452,"end":7315,"type":5402,"data":22593},{"link_type":69,"url":22594,"target":186},"https://divedeals.sg/deals/shopping/MUJI-10-off-birthday-privilege-1774523095_MUJI ",{"type":180,"text":22596,"spans":22597,"direction":123},"Register your date of birth in MUJI passport before your birthday month to receive a discount coupon on the 10th of your birthday month. ",[22598],{"start":5512,"end":8528,"type":5402,"data":22599},{"link_type":69,"url":22600,"target":17144},"https://divedeals.sg/brands/MUJI",{"type":4229,"text":22602,"spans":22603,"direction":123},"10% OFF Retail: On regular priced garment and household items with minimum $10 spent (excluding food items).",[],{"type":180,"text":22605,"spans":22606,"direction":123},"53. 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Cotton On - Free Birthday Gift for Members",[22638,22639],{"start":9,"end":5511,"type":3603},{"start":6275,"end":8482,"type":5402,"data":22640},{"link_type":69,"url":22641,"target":186},"https://divedeals.sg/deals/apparel/Cotton-On-Free-Birthday-Treat-1742798142_CottonOn ",{"type":180,"text":22643,"spans":22644,"direction":123},"“Fashionistas” take note! As a Cotton On member, you got to look out for an email from Cotton On for a special surprise Gift. ",[22645],{"start":8469,"end":7433,"type":5402,"data":22646},{"link_type":69,"url":22647,"target":186},"https://divedeals.sg/brands/Cotton-On",{"type":180,"text":22649,"spans":22650,"direction":123},"55. KrisShop - $30 off $300",[22651,22652],{"start":9,"end":10357,"type":3603},{"start":10357,"end":9696,"type":5402,"data":22653},{"link_type":69,"url":22654,"target":186},"https://divedeals.sg/deals/shopping/Krisshop-Celebrate-your-birthday-with-S30-off-1738527570_Krisshop ",{"type":180,"text":22656,"spans":22657,"direction":123},"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":180,"text":22659,"spans":22660,"direction":123},"56. OSIM - Birthday voucher",[22661,22662],{"start":9,"end":5452,"type":3603},{"start":5452,"end":9696,"type":5402,"data":22663},{"link_type":69,"url":22664,"target":186},"https://divedeals.sg/deals/experience/OSIM-Birthday-Voucher-1738527758_OSIM ",{"type":180,"text":22666,"spans":22667,"direction":123},"Only valid during your birthday month!",[],{"type":180,"text":22669,"spans":22670,"direction":123},"57. Bata - 25% off next purchase",[22671,22672],{"start":9,"end":5452,"type":3603},{"start":5452,"end":8795,"type":5402,"data":22673},{"link_type":69,"url":22674,"target":186},"https://divedeals.sg/deals/apparel/Bata-Up-to-25-Birthday-Discount-1738527853_Bata",{"type":180,"text":22676,"spans":22677,"direction":123},"Enjoy up to 25% off your next purchase at Bata!",[],{"type":180,"text":22679,"spans":22680,"direction":123},"58. Kikki K - Birthday Voucher ",[22681,22682],{"start":9,"end":7014,"type":3603},{"start":5511,"end":5512,"type":5402,"data":22683},{"link_type":69,"url":22684,"target":17144},"https://divedeals.sg/deals/shopping/kikki-K-Birthday-Voucher-20-Off-Your-Order-1774522903_kikkiK",{"type":180,"text":22686,"spans":22687,"direction":123},"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.",[22688],{"start":21105,"end":18074,"type":5402,"data":22689},{"link_type":69,"url":22690,"target":186},"http://www.kikki-k.com/",{"type":180,"text":22692,"spans":22693,"direction":123},"59. Timberland - Up to 30% Off",[22694,22695],{"start":9,"end":10357,"type":3603},{"start":6275,"end":5512,"type":5402,"data":22696},{"link_type":69,"url":22697,"target":17144},"https://divedeals.sg/deals/apparel/Timberland-Up-to-30-off-on-birthday-month-1774523329_Timberland ",{"type":4229,"text":22699,"spans":22700,"direction":123},"Green member gets 20% off on birthday month ",[],{"type":4229,"text":22702,"spans":22703,"direction":123},"Gold member gets 30% off on birthday month",[],{"type":180,"text":22705,"spans":22706,"direction":123},"60. Goldlion - 35% Off ",[22707,22708],{"start":9,"end":7014,"type":3603},{"start":10357,"end":8794,"type":5402,"data":22709},{"link_type":69,"url":22710,"target":17144},"https://divedeals.sg/deals/apparel/Goldlion-35-Off-1-Transaction-on-Birthday-Month-1738527629_Goldlion ",{"type":180,"text":22712,"spans":22713,"direction":123},"Valid for gold members only. Valid for 1 Transaction only. ",[],{"type":180,"text":22715,"spans":22716,"direction":123},"61. Metro - 20% Off",[22717,22718],{"start":9,"end":3601,"type":3603},{"start":7014,"end":7423,"type":5402,"data":22719},{"link_type":69,"url":22720,"target":17144},"https://divedeals.sg/deals/shopping/Metro-20-off-birthday-privilege-1774523584_Metro ",{"type":4229,"text":22722,"spans":22723,"direction":123},"Silver Tier - capped at $300 ",[],{"type":4229,"text":22725,"spans":22726,"direction":123},"Gold Tier - capped at $500",[],{"type":4229,"text":22728,"spans":22729,"direction":123},"Pearl Tier - capped at $1000 ",[],{"type":4229,"text":22731,"spans":22732,"direction":123},"Jade Tier - capped at $2000",[],{"type":180,"text":7,"spans":22734,"direction":123},[],[22736],{},"text$a83d574d-5a14-4585-b263-2f10f7b71c49",{"primary":22739,"items":22745,"id":22747,"slice_type":7941,"slice_label":107},{"text":22740},[22741],{"type":7946,"text":22742,"spans":22743},"Experiences ",[22744],{"start":9,"end":7014,"type":3603},[22746],{},"text$38a7d9ac-5f7c-40ff-a3dc-9aa6f413ffd6",{"primary":22749,"items":22757,"id":22759,"slice_type":9739,"slice_label":107},{"image":22750,"caption":22755,"additional_link":22756,"anchor_id":107},{"dimensions":22751,"alt":107,"copyright":107,"url":22752,"id":22753,"edit":22754},{"width":7513,"height":21840},"https://images.prismic.io/dive/65cd69d79be9a5b998b5d5d4_BIRTHDAYDEALSBLOGCOVER-7-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1p15vppbmYtdXU",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[22758],{},"image_with_caption$44453c34-1fc2-4325-8b4c-98a48d7f78b6",{"primary":22761,"items":22789,"id":22791,"slice_type":7941,"slice_label":107},{"text":22762},[22763,22770,22776,22783],{"type":180,"text":22764,"spans":22765,"direction":123},"62. Wild Wild Wet - Complimentary day pass on your birthday month",[22766,22767],{"start":9,"end":9667,"type":3603},{"start":10516,"end":8818,"type":5402,"data":22768},{"link_type":69,"url":22769,"target":186},"https://divedeals.sg/deals/experience/Wild-Wild-Wet-Complimentary-day-pass-on-your-birthday-month-1738308113_WildWildWet ",{"type":180,"text":22771,"spans":22772,"direction":123},"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.",[22773],{"start":8795,"end":10363,"type":5402,"data":22774},{"link_type":69,"url":22775,"target":186},"https://divedeals.sg/brands/Wild-Wild-Wet",{"type":180,"text":22777,"spans":22778,"direction":123},"63. Mandai Wildlife Reserve - 30% off wildlife experiences",[22779,22780],{"start":9,"end":9696,"type":3603},{"start":5512,"end":8040,"type":5402,"data":22781},{"link_type":69,"url":22782,"target":186},"https://divedeals.sg/deals/experience/Mandai-Wildlife-Reserve-Birthday-Exclusive-Privileges-1738308332_MandaiWildlifeReserve",{"type":180,"text":22784,"spans":22785,"direction":123},"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!",[22786],{"start":7433,"end":9507,"type":5402,"data":22787},{"link_type":69,"url":22788,"target":186},"https://divedeals.sg/brands/Mandai-Wildlife-Reserve",[22790],{},"text$0ddd0cb4-31a7-4959-963e-ad24ed85cf07",{"primary":22793,"items":22794,"id":22796,"slice_type":8021,"slice_label":107},{},[22795],{},"divider$d199cc00-1fde-4965-b966-3527e0161e1f",{"primary":22798,"items":22803,"id":22805,"slice_type":7941,"slice_label":107},{"text":22799},[22800],{"type":180,"text":22801,"spans":22802},"That's it! If you know of a friend's coming birthday, I'm sure he/she will be thrilled that you share this birthday compilations with them 😀 ",[],[22804],{},"text$e98682fb-a22c-4d93-8acd-1fd25ce016cf",{"primary":22807,"items":22814,"id":22816,"slice_type":7941,"slice_label":107},{"text":22808},[22809],{"type":180,"text":22810,"spans":22811,"direction":123},"Editor's Note: This post was originally published on 3 March, 2023 and was updated on 30 March, 2026 for accuracy.",[22812,22813],{"start":11848,"end":8464,"type":7900},{"start":12511,"end":7917,"type":7900},[22815],{},"text$c295d260-0560-40ef-bd1d-5de0c99d1b27",{"id":22818,"uid":22819,"url":107,"type":7846,"href":22820,"tags":22821,"first_publication_date":22823,"last_publication_date":22824,"slugs":22825,"linked_documents":22827,"lang":115,"alternate_languages":22828,"data":22829},"YfuhHBAAACIAtdR-","student-deals-and-discounts-in-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22YfuhHBAAACIAtdR-%22%29+%5D%5D",[20194,20193,22822],"Students","2022-02-07T05:30:02+0000","2026-04-23T03:46:00+0000",[22826],"ultimate-list-of-student-deals-and-discounts-in-singapore-2026-updated-march-2026",[],[],{"title":22830,"seo_title":22834,"seo_meta_description":22838,"featured":773,"expired":16,"noindex":16,"cover_image":22842,"date":22847,"author_link":22848,"body":22858},[22831],{"type":120,"text":22832,"spans":22833,"direction":123},"Ultimate List of Student deals and discounts in Singapore 2026 (Updated March 2026)",[],[22835],{"type":120,"text":22836,"spans":22837,"direction":123},"Ultimate List of Student deals and discounts in Singapore 2025 (Updated March 2026)",[],[22839],{"type":120,"text":22840,"spans":22841,"direction":123},"We have compiled an ultimate list of student deals and discounts that are still valid in 2025 - 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In Singapore, enjoying good food and activities with friends can be expensive.",[],{"type":180,"text":22930,"spans":22931,"direction":123},"We have created a list of student discounts for 2025. 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Gong Cha - $2.50 Milk Tea with Herbal Jelly",[23435,23436],{"start":9,"end":5703,"type":3603},{"start":10357,"end":16044,"type":5402,"data":23437},{"link_type":69,"url":23438,"target":186},"https://divedeals.sg/deals/food/Gong-Cha-250-Milk-Tea-with-Herbal-Jelly-for-students-1739871905_GongCha#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":23440,"spans":23441,"direction":123},"Gong Cha's got just the thing to get you through the week. Enjoy Milk Tea with Herbal Jelly at $2.50 for M-sized or at $3.50 for L-sized.",[],{"type":180,"text":23443,"spans":23444,"direction":123},"28. 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Cathay Cineplex - Student privileges from $6/ticket",[23512,23513],{"start":9,"end":7423,"type":3603},{"start":8794,"end":8370,"type":5402,"data":23514},{"link_type":69,"url":23515,"target":186},"https://divedeals.sg/deals/experience/Cathay-Cineplex-Student-privileges-From-6ticket-1739872435_CathayCineplex#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":23517,"spans":23518,"direction":123},"Grab $6 movie tickets all day every Tuesday, and enjoy $7 deals before 6pm from Monday to Friday at any Cathay Cineplex. Catch your favorite films at unbeatable prices!",[],{"type":180,"text":23520,"spans":23521,"direction":123},"33. Shaw Theatres - Regular Movie Tickets at $7 for Students",[23522,23523],{"start":9,"end":3602,"type":3603},{"start":10516,"end":9477,"type":5402,"data":23524},{"link_type":69,"url":23525,"target":186},"https://divedeals.sg/deals/experience/Shaw-Theatres-Student-promotion-7-regular-tickets-1739872378_ShawTheatres#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":23527,"spans":23528,"direction":123},"Similarly Shaw Theatres also let students like you catch films for just $7. Simply present your student pass and enjoy movies at this rate on Mondays to Fridays before 6pm.",[23529,23532],{"start":3601,"end":7475,"type":5402,"data":23530},{"link_type":69,"url":23531,"target":186},"https://divedeals.sg/brands/Shaw-Theatres",{"start":17258,"end":11076,"type":3603},{"type":180,"text":23534,"spans":23535,"direction":123},"34. 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