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Measuring whether your programme is working",[8003],{"start":9,"end":7972,"type":5402,"data":8004},{"link_type":69,"url":8005,"target":186},"#8-measuring-whether-your-programme-is-working",[],"text$26a472f5-7481-4d15-9e1b-346a1bda3529",{"primary":8009,"items":8010,"id":8011,"slice_type":8012,"slice_label":107},{},[],"divider$96b60268-37b0-4059-a3de-484306910e89","divider",{"primary":8014,"items":8045,"id":8046,"slice_type":7946,"slice_label":107},{"text":8015},[8016,8018,8021,8025,8030,8034,8037],{"type":7951,"text":7955,"spans":8017},[],{"type":180,"text":8019,"spans":8020},"Three failure modes show up in nearly every SME post-mortem:",[],{"type":4229,"text":8022,"spans":8023},"Single perk, no portfolio - One $50 gym subsidy that 60 percent of the team will never use, with nothing for the 40 percent who would prefer mental health support, ergonomics or sleep coaching. The cost-per-actual-user becomes $80 to $120 per month.",[8024],{"start":9,"end":6407,"type":3603},{"type":4229,"text":8026,"spans":8027},"Cash reimbursements that trigger CPF - The team requests reimbursement for personal gym memberships, the company processes it as wages, and 17 percent employer CPF gets added on top. The $50 perk costs $59. Worse, the employee receives the money minus their own 20 percent CPF deduction.",[8028],{"start":9,"end":8029,"type":3603},36,{"type":4229,"text":8031,"spans":8032},"No measurement loop - Programme runs for 12 months, nobody tracks engagement or outcome, renewal becomes a default. A $30K wellness spend silently becomes ineffective because no one cleaned up the dead lines.",[8033],{"start":9,"end":7423,"type":3603},{"type":180,"text":8035,"spans":8036},"Building a working programme requires solving all three. A portfolio of options across mental, physical, financial and social wellness, structured as benefits-in-kind rather than reimbursements, with a quarterly engagement review.",[],{"type":180,"text":8038,"spans":8039},"Full CPF and tax mechanics for these benefits are covered in our employee benefits tax cheat sheet for Singapore.",[8040],{"start":8041,"end":8042,"type":5402,"data":8043},65,112,{"link_type":69,"url":8044},"https://divedeals.sg/blog/employee-benefits-tax-cheat-sheet-singapore",[],"text$cc584207-161a-49fb-814e-35b0f18927a1",{"primary":8048,"items":8049,"id":8050,"slice_type":8012,"slice_label":107},{},[],"divider$bcf39aa6-8048-486c-9a9c-678e062cc29e",{"slice_type":8052,"primary":8053,"items":8054},"sponsoredBrands",{},["Reactive",7826],{"primary":8056,"items":8063,"id":8064,"slice_type":7946,"slice_label":107},{"text":8057},[8058,8060],{"type":7951,"text":7962,"spans":8059},[],{"type":180,"text":8061,"spans":8062},"Every credible workplace-wellness framework (HPB, WHO, AON, Mercer) covers some version of these four. SMEs that try to cover all four cheaply outperform SMEs that overspend on one and ignore the others.",[],[],"text$56bfa044-e963-425f-afee-5684cf9bb659",{"primary":8066,"items":8071,"id":8121,"slice_type":8122,"slice_label":107},{"table_title":8067},[8068],{"type":171,"text":8069,"spans":8070},"Wellness dimensions and SME cost ranges",[],[8072,8085,8094,8103,8112],{"col1":8073,"col2":8079},[8074],{"type":180,"text":8075,"spans":8076},"Dimension",[8077],{"start":9,"end":8078,"type":3603},9,[8080],{"type":180,"text":8081,"spans":8082},"Per employee per month",[8083],{"start":9,"end":8084,"type":3603},22,{"col1":8086,"col2":8090},[8087],{"type":180,"text":8088,"spans":8089},"Physical (gym, ergonomics, posture, sleep, nutrition)",[],[8091],{"type":180,"text":8092,"spans":8093},"$5 to $80",[],{"col1":8095,"col2":8099},[8096],{"type":180,"text":8097,"spans":8098},"Mental (counselling, meditation apps, peer support, EAP)",[],[8100],{"type":180,"text":8101,"spans":8102},"$3 to $40",[],{"col1":8104,"col2":8108},[8105],{"type":180,"text":8106,"spans":8107},"Financial (savings tools, financial planning, debt support)",[],[8109],{"type":180,"text":8110,"spans":8111},"$0 to $15",[],{"col1":8113,"col2":8117},[8114],{"type":180,"text":8115,"spans":8116},"Social (team experiences, group activities, peer recognition)",[],[8118],{"type":180,"text":8119,"spans":8120},"$2 to $20",[],"table$b091b112-f1de-4228-a24a-d29a68074ce5","table",{"primary":8124,"items":8132,"id":8133,"slice_type":7946,"slice_label":107},{"text":8125},[8126,8129],{"type":180,"text":8127,"spans":8128},"The pattern: physical wellness is the most expensive and most over-funded line. Mental wellness is the most under-funded relative to need. Financial wellness is essentially free in Singapore (CPF, MAS MoneySense, free tools). Social is cheap but high-impact when done right.",[],{"type":180,"text":8130,"spans":8131},"A balanced programme allocates across all four rather than spending the entire budget on one. The tiers below structure the allocation.",[],[],"text$7099ebdc-bb62-4321-981c-dc1b1800b22e",{"primary":8135,"items":8136,"id":8137,"slice_type":8012,"slice_label":107},{},[],"divider$2f9821d4-7504-4303-aa9d-ed25ea72bd33",{"primary":8139,"items":8146,"id":8147,"slice_type":7946,"slice_label":107},{"text":8140},[8141,8143],{"type":7951,"text":7969,"spans":8142},[],{"type":180,"text":8144,"spans":8145},"Total annual budget: roughly $60 per employee per year. This is the floor. It is mostly free government resources packaged thoughtfully, plus one or two $1 to $3 per month additions.",[],[],"text$c5eaf977-e937-4b91-a876-aff8506b35d9",{"primary":8149,"items":8154,"id":8259,"slice_type":8260,"slice_label":107},{"table_title":8150},[8151],{"type":171,"text":8152,"spans":8153},"$5/head/month wellness stack ($60/year per employee)",[],[8155,8173,8186,8198,8210,8222,8235,8247],{"col1":8156,"col2":8162,"col3":8167},[8157],{"type":180,"text":8158,"spans":8159},"Item",[8160],{"start":9,"end":8161,"type":3603},4,[8163],{"type":180,"text":8164,"spans":8165},"Monthly cost",[8166],{"start":9,"end":7014,"type":3603},[8168],{"type":180,"text":8169,"spans":8170},"Notes",[8171],{"start":9,"end":8172,"type":3603},5,{"col1":8174,"col2":8178,"col3":8182},[8175],{"type":180,"text":8176,"spans":8177},"Healthy 365 app group challenges (HPB, free)",[],[8179],{"type":180,"text":8180,"spans":8181},"$0",[],[8183],{"type":180,"text":8184,"spans":8185},"Step counting + healthy eating challenges with prizes",[],{"col1":8187,"col2":8191,"col3":8194},[8188],{"type":180,"text":8189,"spans":8190},"MindSG digital mental health resources (HPB, free)",[],[8192],{"type":180,"text":8180,"spans":8193},[],[8195],{"type":180,"text":8196,"spans":8197},"Free meditation, mood tracker, self-help",[],{"col1":8199,"col2":8203,"col3":8206},[8200],{"type":180,"text":8201,"spans":8202},"MoneySense + CPF planning content (MAS, free)",[],[8204],{"type":180,"text":8180,"spans":8205},[],[8207],{"type":180,"text":8208,"spans":8209},"Financial wellness via free official tools",[],{"col1":8211,"col2":8215,"col3":8218},[8212],{"type":180,"text":8213,"spans":8214},"Workplace ergonomics review (one-off, MOM workshop)",[],[8216],{"type":180,"text":8180,"spans":8217},[],[8219],{"type":180,"text":8220,"spans":8221},"Free or low-cost from MOM-affiliated providers",[],{"col1":8223,"col2":8227,"col3":8231},[8224],{"type":180,"text":8225,"spans":8226},"Pantry stock (instant oatmeal, fruit, decaf, herbal tea)",[],[8228],{"type":180,"text":8229,"spans":8230},"$2 to $4",[],[8232],{"type":180,"text":8233,"spans":8234},"Subsidised food and drinks at workplace - tax-free under IRAS",[],{"col1":8236,"col2":8240,"col3":8243},[8237],{"type":180,"text":8238,"spans":8239},"Quarterly team wellness chat (15 min, structured)",[],[8241],{"type":180,"text":8180,"spans":8242},[],[8244],{"type":180,"text":8245,"spans":8246},"Internal facilitation, agenda template",[],{"col1":8248,"col2":8252,"col3":8255},[8249],{"type":180,"text":8250,"spans":8251},"Total monthly per employee",[],[8253],{"type":180,"text":8229,"spans":8254},[],[8256],{"type":180,"text":8257,"spans":8258},"Plus value of zero-cost government resources",[],"table3$7b8118e1-08eb-4729-8769-4f11bf1ed46e","table3",{"primary":8262,"items":8270,"id":8271,"slice_type":7946,"slice_label":107},{"text":8263},[8264,8267],{"type":180,"text":8265,"spans":8266},"The $5 tier looks like nothing on paper. In practice, a deliberate stack of free government resources plus a thoughtfully stocked pantry beats most $300/month single-perk programmes for engagement. The pantry alone is fully tax-free under the IRAS food and drinks at workplace concession.",[],{"type":180,"text":8268,"spans":8269},"Most SMEs at this tier underestimate the visibility upside of the pantry. Three $50 ingredient runs per month at NTUC (decent coffee, oats, fruit, biscuits, instant noodles, herbal tea) lands at $150 to $200/month for a 50-person team and is the perk the team mentions most often in informal conversation.",[],[],"text$797adc96-c31c-453f-ae7e-69cf568ed247",{"primary":8273,"items":8274,"id":8275,"slice_type":8012,"slice_label":107},{},[],"divider$aa74e8e5-e2b3-4f77-a12e-d2b12398c9a1",{"primary":8277,"items":8284,"id":8285,"slice_type":7946,"slice_label":107},{"text":8278},[8279,8281],{"type":7951,"text":7976,"spans":8280},[],{"type":180,"text":8282,"spans":8283},"Total annual budget: roughly $180 per employee per year. This is where most well-run Singapore SMEs land. It buys a mental health platform, a meaningful gym option, and the everyday-life perks - all on top of the $5 tier baseline.",[],[],"text$4fb0dc2f-8469-446f-aa9d-28a793122054",{"primary":8287,"items":8292,"id":8382,"slice_type":8260,"slice_label":107},{"table_title":8288},[8289],{"type":171,"text":8290,"spans":8291},"$15/head/month wellness stack ($180/year per employee)",[],[8293,8306,8318,8331,8344,8357,8370],{"col1":8294,"col2":8298,"col3":8302},[8295],{"type":180,"text":8158,"spans":8296},[8297],{"start":9,"end":8161,"type":3603},[8299],{"type":180,"text":8164,"spans":8300},[8301],{"start":9,"end":7014,"type":3603},[8303],{"type":180,"text":8169,"spans":8304},[8305],{"start":9,"end":8172,"type":3603},{"col1":8307,"col2":8311,"col3":8314},[8308],{"type":180,"text":8309,"spans":8310},"Everything in $5 tier",[],[8312],{"type":180,"text":8229,"spans":8313},[],[8315],{"type":180,"text":8316,"spans":8317},"Maintain the free baseline",[],{"col1":8319,"col2":8323,"col3":8327},[8320],{"type":180,"text":8321,"spans":8322},"Group mental health platform (Intellect, Mindline At Work, Naluri)",[],[8324],{"type":180,"text":8325,"spans":8326},"$3 to $6",[],[8328],{"type":180,"text":8329,"spans":8330},"Per-employee SaaS, includes counselling sessions",[],{"col1":8332,"col2":8336,"col3":8340},[8333],{"type":180,"text":8334,"spans":8335},"ActiveSG corporate plan or Anytime Fitness corporate",[],[8337],{"type":180,"text":8338,"spans":8339},"$3 to $5",[],[8341],{"type":180,"text":8342,"spans":8343},"Discounted access for employees who actually use gym",[],{"col1":8345,"col2":8349,"col3":8353},[8346],{"type":180,"text":8347,"spans":8348},"Quarterly health screening voucher (CHAS clinic partner)",[],[8350],{"type":180,"text":8351,"spans":8352},"$2 to $3",[],[8354],{"type":180,"text":8355,"spans":8356},"Annualised cost; usually $80 to $120 per screening",[],{"col1":8358,"col2":8362,"col3":8366},[8359],{"type":180,"text":8360,"spans":8361},"Employee discount platform (F&B, retail, attractions)",[],[8363],{"type":180,"text":8364,"spans":8365},"$5 to $10",[],[8367],{"type":180,"text":8368,"spans":8369},"High-engagement everyday savings - non-cash benefit-in-kind",[],{"col1":8371,"col2":8374,"col3":8378},[8372],{"type":180,"text":8250,"spans":8373},[],[8375],{"type":180,"text":8376,"spans":8377},"$15 to $28",[],[8379],{"type":180,"text":8380,"spans":8381},"Stay disciplined; not all teams need every line",[],"table3$001b906f-d350-4e79-8996-6f5850e7d436",{"primary":8384,"items":8410,"id":8411,"slice_type":7946,"slice_label":107},{"text":8385},[8386,8389,8393,8403],{"type":180,"text":8387,"spans":8388},"Two specific calls within the $15 tier:",[],{"type":4229,"text":8390,"spans":8391},"Mental health platform over physical gym - At a fixed budget, mental health platforms tend to deliver better engagement than gym subsidies, especially in remote-friendly or hybrid teams. Singapore platforms like Intellect and Mindline At Work are designed for SG workforce specifically.",[8392],{"start":9,"end":7433,"type":3603},{"type":4229,"text":8394,"spans":8395},"Discount platform over wellness reimbursement - At $1 to $8 per head per month, a SG-built platform like Dive Perk delivers F&B, retail, attractions and travel deals weekly to the whole team. A $50/month gym reimbursement reaches maybe 30 percent. Cost-per-active-user is a different order of magnitude.",[8396,8398],{"start":9,"end":8397,"type":3603},45,{"start":8399,"end":8400,"type":5402,"data":8401},105,114,{"link_type":69,"url":8402},"https://divedeals.sg/perk",{"type":180,"text":8404,"spans":8405},"If you want to see what a discount platform actually offers, the best employee discounts in Singapore covers the typical menu.",[8406],{"start":8041,"end":8407,"type":5402,"data":8408},101,{"link_type":69,"url":8409},"https://divedeals.sg/blog/what-are-the-best-employee-discounts",[],"text$46c79b3b-daf0-4511-97a4-2e519c8ef6a2",{"primary":8413,"items":8414,"id":8415,"slice_type":8012,"slice_label":107},{},[],"divider$747278e6-024f-4fa4-9c1d-60fe1381a3f0",{"slice_type":8417,"primary":8418,"items":8419},"sponsoredDeals",{},[8420,8421,8422],["Reactive",37],["Reactive",4],["Reactive",74],{"primary":8424,"items":8431,"id":8432,"slice_type":7946,"slice_label":107},{"text":8425},[8426,8428],{"type":7951,"text":7982,"spans":8427},[],{"type":180,"text":8429,"spans":8430},"Total annual budget: roughly $600 per employee per year. This is what mid-sized SMEs (50 to 200 staff) and growth-stage companies commonly run when wellness is treated seriously. Includes everything in $15 tier plus genuinely deep mental and physical support.",[],[],"text$fa941b1f-273c-4380-9161-8f6ba8fdb6ed",{"primary":8434,"items":8439,"id":8553,"slice_type":8260,"slice_label":107},{"table_title":8435},[8436],{"type":171,"text":8437,"spans":8438},"$50/head/month wellness stack ($600/year per employee)",[],[8440,8453,8465,8478,8491,8503,8516,8529,8541],{"col1":8441,"col2":8445,"col3":8449},[8442],{"type":180,"text":8158,"spans":8443},[8444],{"start":9,"end":8161,"type":3603},[8446],{"type":180,"text":8164,"spans":8447},[8448],{"start":9,"end":7014,"type":3603},[8450],{"type":180,"text":8169,"spans":8451},[8452],{"start":9,"end":8172,"type":3603},{"col1":8454,"col2":8458,"col3":8461},[8455],{"type":180,"text":8456,"spans":8457},"Everything in $15 tier",[],[8459],{"type":180,"text":8376,"spans":8460},[],[8462],{"type":180,"text":8463,"spans":8464},"Maintain the foundation",[],{"col1":8466,"col2":8470,"col3":8474},[8467],{"type":180,"text":8468,"spans":8469},"Gympass or full corporate gym partner",[],[8471],{"type":180,"text":8472,"spans":8473},"$15 to $35",[],[8475],{"type":180,"text":8476,"spans":8477},"Multi-gym access network; better than single-gym deals",[],{"col1":8479,"col2":8483,"col3":8487},[8480],{"type":180,"text":8481,"spans":8482},"Premium mental health platform (extended sessions)",[],[8484],{"type":180,"text":8485,"spans":8486},"$5 to $12",[],[8488],{"type":180,"text":8489,"spans":8490},"Allows 4 to 8 counselling sessions per year per employee",[],{"col1":8492,"col2":8496,"col3":8499},[8493],{"type":180,"text":8494,"spans":8495},"On-site physiotherapist or chiropractor (monthly visit)",[],[8497],{"type":180,"text":8364,"spans":8498},[],[8500],{"type":180,"text":8501,"spans":8502},"For desk-bound teams; reimbursable as medical concession",[],{"col1":8504,"col2":8508,"col3":8512},[8505],{"type":180,"text":8506,"spans":8507},"Annual full health screening (above CHAS basic)",[],[8509],{"type":180,"text":8510,"spans":8511},"$8 to $15",[],[8513],{"type":180,"text":8514,"spans":8515},"Annualised; $200 to $400 per screening",[],{"col1":8517,"col2":8521,"col3":8525},[8518],{"type":180,"text":8519,"spans":8520},"Year-round discount platform (Dive Perk or equivalent)",[],[8522],{"type":180,"text":8523,"spans":8524},"$1 to $8",[],[8526],{"type":180,"text":8527,"spans":8528},"Everyday F&B, retail and lifestyle savings as the daily engagement layer",[],{"col1":8530,"col2":8534,"col3":8537},[8531],{"type":180,"text":8532,"spans":8533},"Wellness reimbursement (medical-only flex, CPF-free)",[],[8535],{"type":180,"text":8364,"spans":8536},[],[8538],{"type":180,"text":8539,"spans":8540},"Strictly medical/dental scope to avoid CPF trap",[],{"col1":8542,"col2":8545,"col3":8549},[8543],{"type":180,"text":8250,"spans":8544},[],[8546],{"type":180,"text":8547,"spans":8548},"$53 to $110",[],[8550],{"type":180,"text":8551,"spans":8552},"Cut lines that do not engage; do not chase the $50 number for its own sake",[],"table3$771be820-d46b-414b-98b6-e9d3000b60d5",{"primary":8555,"items":8567,"id":8568,"slice_type":7946,"slice_label":107},{"text":8556},[8557,8560],{"type":180,"text":8558,"spans":8559},"At this tier, the most common mistake is cash reimbursement bloat. The flex-ben CPF trap is real: if you reimburse personal gym memberships, holiday expenses or non-medical wellness purchases, both employer and employee CPF apply. A $50 personal gym reimbursement actually costs the employer $58.50 (with CPF) and reaches the employee as $40 (after their CPF and marginal tax).",[],{"type":180,"text":8561,"spans":8562},"The cleanest $50 tier keeps reimbursements strictly inside the medical and dental concession (which is CPF-free per CPF Board guidance) and routes everything else through corporate accounts and benefits-in-kind. Same headline budget, dramatically better effective value to employees.",[8563],{"start":7965,"end":8564,"type":5402,"data":8565},135,{"link_type":69,"url":8566},"https://www.cpf.gov.sg/service/article/are-cpf-contributions-payable-on-reimbursements-of-employee-flexible-benefits",[],"text$ed9c653b-7c73-4712-affd-c6ff878b3f5c",{"primary":8570,"items":8571,"id":8572,"slice_type":8012,"slice_label":107},{},[],"divider$951f5f38-1d39-4e61-9763-04d61a90993f",{"primary":8574,"items":8616,"id":8617,"slice_type":7946,"slice_label":107},{"text":8575},[8576,8578,8581,8586,8591,8596,8601,8605,8613],{"type":7951,"text":7988,"spans":8577},[],{"type":180,"text":8579,"spans":8580},"Singapore has unusually rich free workplace wellness infrastructure. Most SMEs underuse it. As of 2026, the live programmes are:",[],{"type":4229,"text":8582,"spans":8583},"Healthy 365 app (HPB, free) - Step challenges, healthy eating tracker, group challenges. Companies can run internal challenges using the app's group features. Vouchers and prizes available through the app's reward system.",[8584],{"start":9,"end":8585,"type":3603},27,{"type":4229,"text":8587,"spans":8588},"MindSG (HPB, free) - Singapore's centralised mental health portal. Includes self-help modules, mood tracking, hotlines, and pathway to professional support.",[8589],{"start":9,"end":8590,"type":3603},18,{"type":4229,"text":8592,"spans":8593},"Mindline At Work (MOH-supported) - Free mental wellbeing platform specifically designed for working adults in Singapore. Workplace-friendly content, no signup barrier.",[8594],{"start":9,"end":8595,"type":3603},32,{"type":4229,"text":8597,"spans":8598},"MoneySense and CPF financial planning (MAS, free) - Free financial planning content, retirement calculators, and CPF planning tools. Build a 30-minute internal session around these once a quarter.",[8599],{"start":9,"end":8600,"type":3603},49,{"type":4229,"text":8602,"spans":8603},"MOM workplace safety and ergonomics resources (free) - Workplace ergonomics guidance, office workstation assessment frameworks. Useful for desk-bound teams.",[8604],{"start":9,"end":7991,"type":3603},{"type":180,"text":8606,"spans":8607},"Note: HPB's Workplace Outreach Wellness (WOW) Programme concluded on 28 February 2026 after running for years. Companies that previously relied on WOW for free workplace screenings and ergonomics activities now need to source these privately or use the Healthy 365 + MindSG digital alternatives. Confirm current programme status with HPB directly.",[8608],{"start":8609,"end":8610,"type":5402,"data":8611},6,85,{"link_type":69,"url":8612},"https://www.hpb.gov.sg/workplace/workplace-outreach-wellness-programme/",{"type":180,"text":8614,"spans":8615},"Practical: build the free government tools into your $5 baseline and treat anything you pay for as an addition rather than a substitute. The team uses Healthy 365 group challenges anyway; running an internal one costs zero and creates more engagement than most paid wellness vendors.",[],[],"text$cae5f6b0-3195-4151-89ed-39662224d5dd",{"primary":8619,"items":8620,"id":8621,"slice_type":8012,"slice_label":107},{},[],"divider$a932732d-b10f-4e8f-85da-9c80a230ddc8",{"primary":8623,"items":8630,"id":8631,"slice_type":7946,"slice_label":107},{"text":8624},[8625,8627],{"type":7951,"text":7995,"spans":8626},[],{"type":180,"text":8628,"spans":8629},"This table is the difference between a $15 tier costing the company $15 per employee and the same headline programme costing $20 to $22 with CPF dragged into wage.",[],[],"text$87ef7f08-096f-4911-bd51-bae34e6ae496",{"primary":8633,"items":8638,"id":8796,"slice_type":8260,"slice_label":107},{"table_title":8634},[8635],{"type":171,"text":8636,"spans":8637},"Tax + CPF treatment of common wellness lines",[],[8639,8655,8668,8680,8692,8703,8716,8729,8740,8751,8763,8774,8785],{"col1":8640,"col2":8645,"col3":8650},[8641],{"type":180,"text":8642,"spans":8643},"Wellness line item",[8644],{"start":9,"end":8590,"type":3603},[8646],{"type":180,"text":8647,"spans":8648},"Income tax",[8649],{"start":9,"end":3601,"type":3603},[8651],{"type":180,"text":8652,"spans":8653},"CPF treatment",[8654],{"start":9,"end":5703,"type":3603},{"col1":8656,"col2":8660,"col3":8664},[8657],{"type":180,"text":8658,"spans":8659},"Group hospitalisation insurance (employee + family)",[],[8661],{"type":180,"text":8662,"spans":8663},"Tax-free (concession)",[],[8665],{"type":180,"text":8666,"spans":8667},"CPF-free",[],{"col1":8669,"col2":8673,"col3":8677},[8670],{"type":180,"text":8671,"spans":8672},"Group medical/dental insurance",[],[8674],{"type":180,"text":8675,"spans":8676},"Tax-free",[],[8678],{"type":180,"text":8666,"spans":8679},[],{"col1":8681,"col2":8685,"col3":8689},[8682],{"type":180,"text":8683,"spans":8684},"Mental health platform subscription",[],[8686],{"type":180,"text":8687,"spans":8688},"Tax-free (benefit-in-kind)",[],[8690],{"type":180,"text":8666,"spans":8691},[],{"col1":8693,"col2":8697,"col3":8700},[8694],{"type":180,"text":8695,"spans":8696},"Corporate gym partnership (company is the corporate member)",[],[8698],{"type":180,"text":8662,"spans":8699},[],[8701],{"type":180,"text":8666,"spans":8702},[],{"col1":8704,"col2":8708,"col3":8712},[8705],{"type":180,"text":8706,"spans":8707},"Country club membership",[],[8709],{"type":180,"text":8710,"spans":8711},"Excluded from concession",[],[8713],{"type":180,"text":8714,"spans":8715},"CPF-able if cash equivalent",[],{"col1":8717,"col2":8721,"col3":8725},[8718],{"type":180,"text":8719,"spans":8720},"Reimburse personal gym membership receipt",[],[8722],{"type":180,"text":8723,"spans":8724},"Wage",[],[8726],{"type":180,"text":8727,"spans":8728},"CPF-able",[],{"col1":8730,"col2":8734,"col3":8737},[8731],{"type":180,"text":8732,"spans":8733},"Reimburse personal mobile phone bill",[],[8735],{"type":180,"text":8723,"spans":8736},[],[8738],{"type":180,"text":8727,"spans":8739},[],{"col1":8741,"col2":8745,"col3":8748},[8742],{"type":180,"text":8743,"spans":8744},"Reimburse holiday expenses or personal travel",[],[8746],{"type":180,"text":8723,"spans":8747},[],[8749],{"type":180,"text":8727,"spans":8750},[],{"col1":8752,"col2":8756,"col3":8759},[8753],{"type":180,"text":8754,"spans":8755},"Reimburse medical/dental treatment",[],[8757],{"type":180,"text":8675,"spans":8758},[],[8760],{"type":180,"text":8761,"spans":8762},"CPF-free per CPF Board",[],{"col1":8764,"col2":8768,"col3":8771},[8765],{"type":180,"text":8766,"spans":8767},"Workplace pantry food and drinks",[],[8769],{"type":180,"text":8662,"spans":8770},[],[8772],{"type":180,"text":8666,"spans":8773},[],{"col1":8775,"col2":8779,"col3":8782},[8776],{"type":180,"text":8777,"spans":8778},"Health screening at company-arranged provider",[],[8780],{"type":180,"text":8675,"spans":8781},[],[8783],{"type":180,"text":8666,"spans":8784},[],{"col1":8786,"col2":8790,"col3":8793},[8787],{"type":180,"text":8788,"spans":8789},"Discount platform subscription (staff discount concession)",[],[8791],{"type":180,"text":8675,"spans":8792},[],[8794],{"type":180,"text":8666,"spans":8795},[],"table3$10f9e12e-09d7-4762-a017-d612cf25a8d7",{"primary":8798,"items":8803,"id":8804,"slice_type":7946,"slice_label":107},{"text":8799},[8800],{"type":180,"text":8801,"spans":8802},"Pattern: corporate-arranged benefits-in-kind are almost always CPF-free and tax-free. Cash reimbursements for personal expenses are wages and trigger CPF. The same dollar lands very differently depending on how it is structured.",[],[],"text$99ca2a30-e663-4445-9865-06ef1ec3fde2",{"primary":8806,"items":8807,"id":8808,"slice_type":8012,"slice_label":107},{},[],"divider$fe4d3d79-cd28-4aab-921f-f28f1813d540",{"primary":8810,"items":8839,"id":8840,"slice_type":7946,"slice_label":107},{"text":8811},[8812,8814,8817,8820,8824,8828,8833,8836],{"type":7951,"text":8001,"spans":8813},[],{"type":180,"text":8815,"spans":8816},"Most SMEs measure wellness by spend. That is the wrong metric. Spend tells you what you paid; engagement and outcomes tell you what you got.",[],{"type":171,"text":8818,"spans":8819},"Three metrics worth tracking quarterly",[],{"type":4229,"text":8821,"spans":8822},"Active utilisation rate per line - Of the people who could use this benefit (eligible team), how many used it at least once this quarter? Below 30 percent = consider replacing the line. Above 70 percent = expand it.",[8823],{"start":9,"end":8595,"type":3603},{"type":4229,"text":8825,"spans":8826},"MC (medical leave) days per FTE per quarter - Trending up could indicate stress, illness or under-supported physical health. Trending down (without sandbagging) could indicate the wellness stack is working. Year-on-year comparison is more useful than absolute number.",[8827],{"start":9,"end":5453,"type":3603},{"type":4229,"text":8829,"spans":8830},"Engagement survey score on \"my company cares about my wellbeing\" - One question, scored 1 to 5 quarterly. Anonymous. Track the trend, not the absolute. Sub-3.5 is a problem regardless of how much you are spending.",[8831],{"start":9,"end":8832,"type":3603},64,{"type":171,"text":8834,"spans":8835},"Anti-pattern to watch for",[],{"type":180,"text":8837,"spans":8838},"If you are spending $50/head and the team can name fewer than 3 specific benefits in a free-text survey, the programme is not working. Either you are over-communicating to nobody or you are over-investing in lines nobody uses.",[],[],"text$137eed3d-5477-432b-99e1-9b4d60e509bd",[8842,9626,10889,11867,12851,13467,14268,15069,15684,16227,17030,18127,18670,19318,19964,21212,21570],{"id":8843,"uid":8844,"url":107,"type":7846,"href":8845,"tags":8846,"first_publication_date":8849,"last_publication_date":8850,"slugs":8851,"linked_documents":8853,"lang":115,"alternate_languages":8854,"data":8855},"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",[8847,8848,7851],"government grants","savings","2026-05-05T01:35:18+0000","2026-05-05T01:36:00+0000",[8852],"gst-voucher-2026-singapore-up-to-850-cash-450-medisave-1.5x-u-save-and-scc-rebate-explained",[],[],{"title":8856,"seo_title":8860,"seo_meta_description":8864,"featured":16,"expired":16,"noindex":16,"cover_image":8868,"date":4124,"author_link":8876,"body":8879},[8857],{"type":120,"text":8858,"spans":8859},"GST Voucher 2026 Singapore: Up to $850 Cash, $450 MediSave, 1.5x U-Save and S&CC Rebate Explained",[],[8861],{"type":120,"text":8862,"spans":8863},"GST Voucher 2026 Singapore: Cash, MediSave, U-Save Guide",[],[8865],{"type":120,"text":8866,"spans":8867},"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":8869,"alt":8872,"copyright":107,"url":8873,"id":8874,"edit":8875},{"width":8870,"height":8871},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":8877,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":8878,"isBroken":16},[],"41ae2627-ae5a-48f1-8569-16267b29a2b5",[8880,8897,8956,8960,8970,9043,9051,9064,9122,9135,9192,9200,9216,9325,9347,9398,9442,9472,9482,9554],{"primary":8881,"items":8895,"id":8896,"slice_type":7946,"slice_label":107},{"text":8882},[8883,8886,8892],{"type":180,"text":8884,"spans":8885,"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":8887,"spans":8888,"direction":123},"You may log in to the e-services to view your eligibility for 2025 GSTV – Cash and MediSave.",[8889],{"start":8084,"end":8595,"type":5402,"data":8890},{"link_type":69,"url":8891,"target":186},"https://www.govpayouts.gov.sg/cds/main/login",{"type":180,"text":8893,"spans":8894,"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":8898,"items":8954,"id":8955,"slice_type":7946,"slice_label":107},{"text":8899},[8900,8902,8908,8914,8920,8927,8934,8941,8947],{"type":7951,"text":7952,"spans":8901},[],{"type":180,"text":8903,"spans":8904},"1. The 4 components of GST Voucher (most people only know about Cash)",[8905],{"start":9,"end":6961,"type":5402,"data":8906},{"link_type":69,"url":8907},"#1-the-4-components-of-gst-voucher-most-people-only-know-about-cash-",{"type":180,"text":8909,"spans":8910},"2. GSTV Cash 2026: who gets $850, who gets $450, and the AV cliff",[8911],{"start":9,"end":8041,"type":5402,"data":8912},{"link_type":69,"url":8913},"#2-gstv-cash-2026-who-gets-850-who-gets-450-and-the-av-cliff",{"type":180,"text":8915,"spans":8916},"3. GSTV MediSave 2026: the silent CPF top-up your parents are getting",[8917],{"start":9,"end":6961,"type":5402,"data":8918},{"link_type":69,"url":8919},"#3-gstv-medisave-2026-the-silent-cpf-top-up-your-parents-are-getting",{"type":180,"text":8921,"spans":8922},"4. GSTV U-Save and S&CC Rebate FY2026: 1.5x the normal amount",[8923],{"start":9,"end":8924,"type":5402,"data":8925},61,{"link_type":69,"url":8926},"#4-gstv-u-save-and-s-cc-rebate-fy2026-1-5x-the-normal-amount",{"type":180,"text":8928,"spans":8929},"5. Payout dates 2026 and the PayNow-NRIC trick that pays you 16 days earlier",[8930],{"start":9,"end":8931,"type":5402,"data":8932},76,{"link_type":69,"url":8933},"#5-payout-dates-2026-and-the-paynow-nric-trick-that-pays-you-16-days-earlier",{"type":180,"text":8935,"spans":8936},"6. How to sign up, claim GovCash, and help a senior parent",[8937],{"start":9,"end":8938,"type":5402,"data":8939},58,{"link_type":69,"url":8940},"#6-how-to-sign-up-claim-govcash-and-help-a-senior-parent",{"type":180,"text":8942,"spans":8943},"7. What to do if you didn't get paid",[8944],{"start":9,"end":8029,"type":5402,"data":8945},{"link_type":69,"url":8946},"#7-what-to-do-if-you-didn-t-get-paid",{"type":180,"text":8948,"spans":8949},"8. GSTV vs CDC vs LifeSG vs SG60, and the full claimable stack 2026",[8950],{"start":9,"end":8951,"type":5402,"data":8952},67,{"link_type":69,"url":8953},"#8-gstv-vs-cdc-vs-lifesg-vs-sg60-and-the-full-claimable-stack-2026",[],"text$368e8bec-3f4b-47ea-9d21-f16c9a8773a1",{"primary":8957,"items":8958,"id":8959,"slice_type":8012,"slice_label":107},{},[],"divider$971d1836-377c-4226-b69e-2dd5f4780aad",{"primary":8961,"items":8968,"id":8969,"slice_type":7946,"slice_label":107},{"text":8962},[8963,8965],{"type":7951,"text":8903,"spans":8964},[],{"type":180,"text":8966,"spans":8967},"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":8971,"items":8976,"id":9042,"slice_type":8260,"slice_label":107},{"table_title":8972},[8973],{"type":171,"text":8974,"spans":8975},"The 4 components of GST Voucher",[],[8977,8990,9003,9016,9029],{"col1":8978,"col2":8982,"col3":8986},[8979],{"type":180,"text":8980,"spans":8981},"Component",[],[8983],{"type":180,"text":8984,"spans":8985},"What it pays",[],[8987],{"type":180,"text":8988,"spans":8989},"When + where",[],{"col1":8991,"col2":8995,"col3":8999},[8992],{"type":180,"text":8993,"spans":8994},"GSTV Cash",[],[8996],{"type":180,"text":8997,"spans":8998},"Up to $850 cash",[],[9000],{"type":180,"text":9001,"spans":9002},"August (PayNow-NRIC, bank or GovCash)",[],{"col1":9004,"col2":9008,"col3":9012},[9005],{"type":180,"text":9006,"spans":9007},"GSTV MediSave",[],[9009],{"type":180,"text":9010,"spans":9011},"Up to $450 MediSave top-up",[],[9013],{"type":180,"text":9014,"spans":9015},"August (CPF MediSave Account)",[],{"col1":9017,"col2":9021,"col3":9025},[9018],{"type":180,"text":9019,"spans":9020},"GSTV U-Save",[],[9022],{"type":180,"text":9023,"spans":9024},"Up to $570/year per household (FY2026)",[],[9026],{"type":180,"text":9027,"spans":9028},"Quarterly: Apr, Jul, Oct, Jan (utilities account)",[],{"col1":9030,"col2":9034,"col3":9038},[9031],{"type":180,"text":9032,"spans":9033},"GSTV S&CC Rebate",[],[9035],{"type":180,"text":9036,"spans":9037},"1.5 to 3.5 months of S&CC waived",[],[9039],{"type":180,"text":9040,"spans":9041},"Quarterly: Apr, Jul, Oct, Jan (Town Council bill)",[],"table3$e9aca996-8cc7-4d73-912e-20c58ce50f28",{"primary":9044,"items":9049,"id":9050,"slice_type":7946,"slice_label":107},{"text":9045},[9046],{"type":180,"text":9047,"spans":9048},"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":9052,"items":9062,"id":9063,"slice_type":7946,"slice_label":107},{"text":9053},[9054,9056,9059],{"type":7951,"text":8909,"spans":9055},[],{"type":180,"text":9057,"spans":9058},"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":9060,"spans":9061},"If you tick all five, the amount depends on your home's AV:",[],[],"text$90da7d33-0fd6-45b2-912e-ac9c51568569",{"primary":9065,"items":9070,"id":9121,"slice_type":8260,"slice_label":107},{"table_title":9066},[9067],{"type":171,"text":9068,"spans":9069},"GSTV Cash 2026 amount by Annual Value",[],[9071,9083,9096,9109],{"col1":9072,"col2":9076,"col3":9080},[9073],{"type":180,"text":9074,"spans":9075},"AV of your home (31 Dec 2025)",[],[9077],{"type":180,"text":9078,"spans":9079},"GSTV Cash 2026",[],[9081],{"type":180,"text":8169,"spans":9082},[],{"col1":9084,"col2":9088,"col3":9092},[9085],{"type":180,"text":9086,"spans":9087},"Up to $21,000",[],[9089],{"type":180,"text":9090,"spans":9091},"$850",[],[9093],{"type":180,"text":9094,"spans":9095},"Most HDB 1-4 room flats fall here",[],{"col1":9097,"col2":9101,"col3":9105},[9098],{"type":180,"text":9099,"spans":9100},"More than $21,000 to $31,000",[],[9102],{"type":180,"text":9103,"spans":9104},"$450",[],[9106],{"type":180,"text":9107,"spans":9108},"Many HDB 5-room and EC flats",[],{"col1":9110,"col2":9114,"col3":9117},[9111],{"type":180,"text":9112,"spans":9113},"More than $31,000",[],[9115],{"type":180,"text":8180,"spans":9116},[],[9118],{"type":180,"text":9119,"spans":9120},"Most condos and landed - not eligible",[],"table3$c6289bdc-a8d6-4073-a9c8-a95eaa38689f",{"primary":9123,"items":9133,"id":9134,"slice_type":7946,"slice_label":107},{"text":9124},[9125,9127,9130],{"type":7951,"text":8915,"spans":9126},[],{"type":180,"text":9128,"spans":9129},"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":9131,"spans":9132},"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":9136,"items":9141,"id":9191,"slice_type":8260,"slice_label":107},{"table_title":9137},[9138],{"type":171,"text":9139,"spans":9140},"GSTV MediSave 2026 by age and AV",[],[9142,9155,9168,9180],{"col1":9143,"col2":9147,"col3":9151},[9144],{"type":180,"text":9145,"spans":9146},"Age in 2026",[],[9148],{"type":180,"text":9149,"spans":9150},"AV up to $21,000",[],[9152],{"type":180,"text":9153,"spans":9154},"AV $21,001-$31,000",[],{"col1":9156,"col2":9160,"col3":9164},[9157],{"type":180,"text":9158,"spans":9159},"65 to 74",[],[9161],{"type":180,"text":9162,"spans":9163},"$250",[],[9165],{"type":180,"text":9166,"spans":9167},"$150",[],{"col1":9169,"col2":9173,"col3":9177},[9170],{"type":180,"text":9171,"spans":9172},"75 to 84",[],[9174],{"type":180,"text":9175,"spans":9176},"$350",[],[9178],{"type":180,"text":9162,"spans":9179},[],{"col1":9181,"col2":9185,"col3":9188},[9182],{"type":180,"text":9183,"spans":9184},"85 and above",[],[9186],{"type":180,"text":9103,"spans":9187},[],[9189],{"type":180,"text":9175,"spans":9190},[],"table3$24f1b846-0a2b-4898-afb6-0bf323b0e433",{"primary":9193,"items":9198,"id":9199,"slice_type":7946,"slice_label":107},{"text":9194},[9195],{"type":180,"text":9196,"spans":9197},"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":9201,"items":9214,"id":9215,"slice_type":7946,"slice_label":107},{"text":9202},[9203,9205,9208,9211],{"type":7951,"text":8921,"spans":9204},[],{"type":180,"text":9206,"spans":9207},"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":9209,"spans":9210},"U-Save FY2026: 1.5x normal amount",[],{"type":180,"text":9212,"spans":9213},"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":9217,"items":9222,"id":9323,"slice_type":9324,"slice_label":107},{"table_title":9218},[9219],{"type":171,"text":9220,"spans":9221},"U-Save FY2026 by HDB flat type",[],[9223,9240,9257,9274,9289,9306],{"col1":9224,"col2":9228,"col3":9232,"col4":9236},[9225],{"type":180,"text":9226,"spans":9227},"Flat type",[],[9229],{"type":180,"text":9230,"spans":9231},"Per quarter (×4)",[],[9233],{"type":180,"text":9234,"spans":9235},"B2026 top-up (Apr+Jul)",[],[9237],{"type":180,"text":9238,"spans":9239},"FY2026 TOTAL",[],{"col1":9241,"col2":9245,"col3":9249,"col4":9253},[9242],{"type":180,"text":9243,"spans":9244},"1- and 2-room",[],[9246],{"type":180,"text":9247,"spans":9248},"$95",[],[9250],{"type":180,"text":9251,"spans":9252},"$190",[],[9254],{"type":180,"text":9255,"spans":9256},"$570",[],{"col1":9258,"col2":9262,"col3":9266,"col4":9270},[9259],{"type":180,"text":9260,"spans":9261},"3-room",[],[9263],{"type":180,"text":9264,"spans":9265},"$85",[],[9267],{"type":180,"text":9268,"spans":9269},"$170",[],[9271],{"type":180,"text":9272,"spans":9273},"$510",[],{"col1":9275,"col2":9279,"col3":9283,"col4":9286},[9276],{"type":180,"text":9277,"spans":9278},"4-room",[],[9280],{"type":180,"text":9281,"spans":9282},"$75",[],[9284],{"type":180,"text":9166,"spans":9285},[],[9287],{"type":180,"text":9103,"spans":9288},[],{"col1":9290,"col2":9294,"col3":9298,"col4":9302},[9291],{"type":180,"text":9292,"spans":9293},"5-room",[],[9295],{"type":180,"text":9296,"spans":9297},"$65",[],[9299],{"type":180,"text":9300,"spans":9301},"$130",[],[9303],{"type":180,"text":9304,"spans":9305},"$390",[],{"col1":9307,"col2":9311,"col3":9315,"col4":9319},[9308],{"type":180,"text":9309,"spans":9310},"Executive / Multi-gen",[],[9312],{"type":180,"text":9313,"spans":9314},"$55",[],[9316],{"type":180,"text":9317,"spans":9318},"$110",[],[9320],{"type":180,"text":9321,"spans":9322},"$330",[],"table__4_columns_$24fb4783-ddf7-4ceb-9cf5-3a756337d49f","table__4_columns_",{"primary":9326,"items":9345,"id":9346,"slice_type":7946,"slice_label":107},{"text":9327},[9328,9331,9334,9342],{"type":171,"text":9329,"spans":9330},"S&CC Rebate FY2026",[],{"type":180,"text":9332,"spans":9333},"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":9335,"spans":9336},"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.",[9337],{"start":9338,"end":9339,"type":5402,"data":9340},122,148,{"link_type":69,"url":9341},"https://services2.hdb.gov.sg/web/fi10/emap.html",{"type":180,"text":9343,"spans":9344},"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":9348,"items":9396,"id":9397,"slice_type":7946,"slice_label":107},{"text":9349},[9350,9352,9355,9358,9362,9367,9372,9376,9380,9383,9386,9393],{"type":7951,"text":8928,"spans":9351},[],{"type":180,"text":9353,"spans":9354},"Payout dates differ by component. The Cash and MediSave portions arrive in August - everything else is quarterly.",[],{"type":171,"text":9356,"spans":9357},"When the money arrives",[],{"type":4229,"text":9359,"spans":9360},"PayNow-NRIC: From 6 August 2026 (the fastest option)",[9361],{"start":9,"end":7014,"type":3603},{"type":4229,"text":9363,"spans":9364},"Bank transfer (DBS/POSB/OCBC/UOB): From 15 August 2026",[9365],{"start":9,"end":9366,"type":3603},34,{"type":4229,"text":9368,"spans":9369},"GovCash (no bank account): From 22 August 2026",[9370],{"start":9,"end":9371,"type":3603},26,{"type":4229,"text":9373,"spans":9374},"MediSave top-up: From 11 August 2026 (credited to CPF)",[9375],{"start":9,"end":6275,"type":3603},{"type":4229,"text":9377,"spans":9378},"U-Save and S&CC: April 2026, July 2026, October 2026, January 2027",[9379],{"start":9,"end":6275,"type":3603},{"type":171,"text":9381,"spans":9382},"The PayNow-NRIC trick: 16 days faster",[],{"type":180,"text":9384,"spans":9385},"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-$2,000 sitting idle for over two weeks if you take the slow route.",[],{"type":180,"text":9387,"spans":9388},"Setup is one-time per bank: DBS/POSB via DBS digibank app, OCBC via OCBC Digital, UOB via UOB TMRW, or any bank from the PayNow-GIRO-participating bank list. Each NRIC links to one bank account at a time.",[9389],{"start":9390,"end":6353,"type":5402,"data":9391},121,{"link_type":69,"url":9392},"https://www.abs.org.sg/consumer-banking/pay-now",{"type":180,"text":9394,"spans":9395},"To get the August 2026 payout via PayNow-NRIC, register by 27 July 2026. After that, the system locks in payment routing for the year.",[],[],"text$a3326d6a-9ef2-416b-bdfd-cc7a3bc84c38",{"primary":9399,"items":9440,"id":9441,"slice_type":7946,"slice_label":107},{"text":9400},[9401,9403,9406,9409,9413,9419,9422,9425,9428,9431,9434,9437],{"type":7951,"text":8935,"spans":9402},[],{"type":180,"text":9404,"spans":9405},"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":9407,"spans":9408},"First-time sign-up",[],{"type":9410,"text":9411,"spans":9412},"o-list-item","Confirm you meet the criteria (SC, age 21+ in 2026, AI YA2025 ≤ $39k, AV ≤ $31k, ≤1 property).",[],{"type":9410,"text":9414,"spans":9415},"Log into the govbenefits.gov.sg portal with Singpass and sign up for Cash and MediSave.",[9416],{"start":5703,"end":9417,"type":5402,"data":9418},38,{"link_type":69,"url":8891},{"type":9410,"text":9420,"spans":9421},"Link your NRIC to PayNow at one of your bank accounts (this gets you paid first).",[],{"type":9410,"text":9423,"spans":9424},"Sign up by 13 July 2026 to get the August 2026 tranche on time. Sign up between 14 July 2026 and 20 June 2027 and you'll get paid within 2 months. Past 20 June 2027 you forfeit the 2026 tranche.",[],{"type":180,"text":9426,"spans":9427},"U-Save and S&CC Rebate require zero sign-up. They land automatically as long as you're an eligible HDB household.",[],{"type":171,"text":9429,"spans":9430},"GovCash fallback (no bank account)",[],{"type":180,"text":9432,"spans":9433},"If you don't have a bank account or never linked PayNow-NRIC, your GSTV Cash defaults to GovCash. Withdraw at any OCBC ATM (no OCBC account needed): tap \"Cardless Transactions\" then \"GovCash\", enter your NRIC and the Payment Reference Number from the SMS. No fees. Or use GovCash digitally via the LifeSG app to pay at NETS QR or PayNow merchants.",[],{"type":171,"text":9435,"spans":9436},"Helping a senior parent claim",[],{"type":180,"text":9438,"spans":9439},"The biggest blocker for seniors is Singpass - not GSTV. Help them set up Singpass with face verification (ICA branches do this in person if app setup fails), log into govbenefits.gov.sg with their Singpass to confirm eligibility, then link their NRIC to PayNow at their existing bank. For MediSave the top-up goes straight to CPF regardless of PayNow setup.",[],[],"text$b6649fc0-f442-4be6-bda1-8e69bcb763b1",{"primary":9443,"items":9470,"id":9471,"slice_type":7946,"slice_label":107},{"text":9444},[9445,9447,9450,9454,9458,9467],{"type":7951,"text":8942,"spans":9446},[],{"type":180,"text":9448,"spans":9449},"If August 2026 has come and gone and you're sure you're eligible but no money landed:",[],{"type":4229,"text":9451,"spans":9452},"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).",[9453],{"start":9,"end":8600,"type":3603},{"type":4229,"text":9455,"spans":9456},"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.",[9457],{"start":9,"end":7991,"type":3603},{"type":4229,"text":9459,"spans":9460},"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.",[9461,9462],{"start":9,"end":8084,"type":3603},{"start":9463,"end":9464,"type":5402,"data":9465},119,161,{"link_type":69,"url":9466},"https://www.govpayouts.gov.sg/cds/gstv/enquiry-form",{"type":180,"text":9468,"spans":9469},"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":9473,"items":9480,"id":9481,"slice_type":7946,"slice_label":107},{"text":9474},[9475,9477],{"type":7951,"text":8948,"spans":9476},[],{"type":180,"text":9478,"spans":9479},"Singapore has multiple government payouts running in parallel and they're easy to mix up. Cheat sheet:",[],[],"text$58618d69-cd18-4f05-887f-e39b0a537290",{"primary":9483,"items":9488,"id":9553,"slice_type":8260,"slice_label":107},{"table_title":9484},[9485],{"type":171,"text":9486,"spans":9487},"GST Voucher vs CDC vs LifeSG vs SG60",[],[9489,9501,9514,9527,9540],{"col1":9490,"col2":9494,"col3":9497},[9491],{"type":180,"text":9492,"spans":9493},"Scheme",[],[9495],{"type":180,"text":8984,"spans":9496},[],[9498],{"type":180,"text":9499,"spans":9500},"Who it's for",[],{"col1":9502,"col2":9506,"col3":9510},[9503],{"type":180,"text":9504,"spans":9505},"GST Voucher",[],[9507],{"type":180,"text":9508,"spans":9509},"Up to $850 Cash + $450 MediSave + U-Save + S&CC, recurring annually",[],[9511],{"type":180,"text":9512,"spans":9513},"Lower-middle income SCs, AI ≤ $39k, AV ≤ $31k",[],{"col1":9515,"col2":9519,"col3":9523},[9516],{"type":180,"text":9517,"spans":9518},"CDC Vouchers",[],[9520],{"type":180,"text":9521,"spans":9522},"$300/year per household, half supermarket + half hawker, expires Dec",[],[9524],{"type":180,"text":9525,"spans":9526},"All Singaporean households (no income test)",[],{"col1":9528,"col2":9532,"col3":9536},[9529],{"type":180,"text":9530,"spans":9531},"LifeSG Credits",[],[9533],{"type":180,"text":9534,"spans":9535},"$500-$1,000 per child or NSman, paid to LifeSG app",[],[9537],{"type":180,"text":9538,"spans":9539},"Specific schemes (Child, Large Family, NS)",[],{"col1":9541,"col2":9545,"col3":9549},[9542],{"type":180,"text":9543,"spans":9544},"SG60 Vouchers",[],[9546],{"type":180,"text":9547,"spans":9548},"$600 or $800 one-time, expires 31 Dec 2026",[],[9550],{"type":180,"text":9551,"spans":9552},"All SCs aged 21+, one-time only",[],"table3$b964fe97-1019-4a0b-8f12-f09276f4a7ae",{"primary":9555,"items":9624,"id":9625,"slice_type":7946,"slice_label":107},{"text":9556},[9557,9560,9563,9567,9577,9581,9589,9599,9606,9609,9612,9615,9618,9621],{"type":180,"text":9558,"spans":9559},"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":9561,"spans":9562},"The full claimable government cash stack 2026",[],{"type":4229,"text":9564,"spans":9565},"GST Voucher 2026: up to $850 Cash + $450 MediSave + $570 U-Save + ~$200 S&CC (recurring annually)",[9566],{"start":9,"end":3602,"type":3603},{"type":4229,"text":9568,"spans":9569},"CDC Vouchers: $300 per household, expires 31 Dec 2026 - see our CDC guide",[9570,9572],{"start":9,"end":9571,"type":3603},53,{"start":9573,"end":9574,"type":5402,"data":9575},60,73,{"link_type":69,"url":9576},"https://divedeals.sg/blog/how-to-use-cdc-vouchers-singapore",{"type":4229,"text":9578,"spans":9579},"SG60 Vouchers: $600 or $800 one-time, expires 31 Dec 2026",[9580],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9582,"spans":9583},"LifeSG Credits: $500 per child + NS credits where applicable - see our LifeSG guide",[9584,9585],{"start":9,"end":9573,"type":3603},{"start":8951,"end":9586,"type":5402,"data":9587},83,{"link_type":69,"url":9588},"https://divedeals.sg/blog/lifesg-credits-singapore-how-to-use",{"type":4229,"text":9590,"spans":9591},"Climate Voucher: $400 per HDB household for energy-efficient appliances - see our Climate Voucher guide",[9592,9594],{"start":9,"end":9593,"type":3603},71,{"start":9595,"end":9596,"type":5402,"data":9597},78,103,{"link_type":69,"url":9598},"https://divedeals.sg/blog/how-to-use-climate-vouchers-singapore",{"type":4229,"text":9600,"spans":9601},"SG Culture Pass: $100 per SC adult for arts and heritage - see our Culture Pass guide",[9602,9603],{"start":9,"end":6960,"type":3603},{"start":7965,"end":8610,"type":5402,"data":9604},{"link_type":69,"url":9605},"https://divedeals.sg/blog/how-to-use-sg-culture-pass",{"type":180,"text":9607,"spans":9608},"A typical eligible HDB household with two SC adults and two SC children sits on $4,500+ of claimable government cash and credits across these schemes in 2026. The two big risks: missing first-time GSTV sign-up by 20 June 2026, and forgetting that CDC + SG60 both expire 31 Dec 2026.",[],{"type":171,"text":9610,"spans":9611},"Action checklist",[],{"type":9410,"text":9613,"spans":9614},"Before 27 July 2026: register PayNow-NRIC to get the August 2026 GSTV payout 16 days earlier.",[],{"type":9410,"text":9616,"spans":9617},"Before 20 June 2026: complete first-time GSTV sign-up if you've never claimed before.",[],{"type":9410,"text":9619,"spans":9620},"August 2026: check your bank account on 6 August (PayNow-NRIC), 15 August (bank), or 22 August (GovCash).",[],{"type":9410,"text":9622,"spans":9623},"Before 31 Dec 2026: spend your CDC and SG60 vouchers, both expire on the same date.",[],[],"text$e4dd5ae3-acb4-4eb6-8ad7-1ae1dd13cd93",{"id":9627,"uid":9628,"url":107,"type":7846,"href":9629,"tags":9630,"first_publication_date":9632,"last_publication_date":9633,"slugs":9634,"linked_documents":9636,"lang":115,"alternate_languages":9637,"data":9638},"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",[7849,9631,7851],"sme","2026-05-05T05:43:55+0000","2026-05-06T02:54:37+0000",[9635],"big-tech-employee-benefits-in-singapore-benchmarked-2026",[],[],{"title":9639,"seo_title":9643,"seo_meta_description":9647,"featured":16,"expired":16,"noindex":16,"cover_image":9651,"date":4124,"author_link":9658,"body":9661},[9640],{"type":120,"text":9641,"spans":9642,"direction":123},"Big Tech Employee Benefits in Singapore Benchmarked (2026)",[],[9644],{"type":120,"text":9645,"spans":9646},"Big Tech Employee Benefits Singapore (2026): Google, Meta, Stripe, ByteDance Compared",[],[9648],{"type":120,"text":9649,"spans":9650},"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":9652,"alt":9654,"copyright":107,"url":9655,"id":9656,"edit":9657},{"width":7872,"height":9653},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":9659,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":9660,"isBroken":16},[],"4f5feb9d-68ad-494a-883e-e61a0add2a55",[9662,9679,9744,9748,9779,9783,9820,9824,9838,9848,9976,9993,9997,10007,10121,10132,10136,10146,10265,10273,10277,10290,10404,10424,10428,10438,10558,10583,10587,10597,10687,10698,10702,10712,10851],{"primary":9663,"items":9677,"id":9678,"slice_type":7946,"slice_label":107},{"text":9664},[9665,9668,9671,9674],{"type":180,"text":9666,"spans":9667,"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":9669,"spans":9670,"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":9672,"spans":9673,"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":9675,"spans":9676,"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":9680,"items":9742,"id":9743,"slice_type":7946,"slice_label":107},{"text":9681},[9682,9684,9691,9698,9704,9711,9718,9724,9730,9736],{"type":7951,"text":7952,"spans":9683,"direction":123},[],{"type":180,"text":9685,"spans":9686,"direction":123},"1. Why this benchmark exists (and what it does not measure)",[9687],{"start":9,"end":9688,"type":5402,"data":9689},59,{"link_type":69,"url":9690,"target":186},"#1-why-this-benchmark-exists-and-what-it-does-not-measure-",{"type":180,"text":9692,"spans":9693,"direction":123},"2. The 6 benefit categories that move the needle",[9694],{"start":9,"end":9695,"type":5402,"data":9696},48,{"link_type":69,"url":9697,"target":186},"#2-the-6-benefit-categories-that-move-the-needle",{"type":180,"text":9699,"spans":9700,"direction":123},"3. Medical and family coverage",[9701],{"start":9,"end":5512,"type":5402,"data":9702},{"link_type":69,"url":9703,"target":186},"#3-medical-and-family-coverage",{"type":180,"text":9705,"spans":9706,"direction":123},"4. Parental and family planning",[9707],{"start":9,"end":9708,"type":5402,"data":9709},31,{"link_type":69,"url":9710,"target":186},"#4-parental-and-family-planning",{"type":180,"text":9712,"spans":9713,"direction":123},"5. Annual leave and time off",[9714],{"start":9,"end":9715,"type":5402,"data":9716},28,{"link_type":69,"url":9717,"target":186},"#5-annual-leave-and-time-off",{"type":180,"text":9719,"spans":9720,"direction":123},"6. Learning, equity and career",[9721],{"start":9,"end":5512,"type":5402,"data":9722},{"link_type":69,"url":9723,"target":186},"#6-learning-equity-and-career",{"type":180,"text":9725,"spans":9726,"direction":123},"7. Wellness, food and lifestyle perks",[9727],{"start":9,"end":7315,"type":5402,"data":9728},{"link_type":69,"url":9729,"target":186},"#7-wellness-food-and-lifestyle-perks",{"type":180,"text":9731,"spans":9732,"direction":123},"8. The total cost of a Big Tech-equivalent SG package",[9733],{"start":9,"end":9571,"type":5402,"data":9734},{"link_type":69,"url":9735,"target":186},"#8-the-total-cost-of-a-big-tech-equivalent-sg-package",{"type":180,"text":9737,"spans":9738,"direction":123},"9. The SME affordable layer (what Dive Perk and friends actually solve)",[9739],{"start":9,"end":9593,"type":5402,"data":9740},{"link_type":69,"url":9741,"target":186},"#9-the-sme-affordable-layer-what-dive-perk-and-friends-actually-solve-",[],"text$738e9528-1d16-4b29-83e8-78e42cdda410",{"primary":9745,"items":9746,"id":9747,"slice_type":8012,"slice_label":107},{},[],"divider$a7871c22-c19f-466e-9097-d2fa7f323b46",{"primary":9749,"items":9777,"id":9778,"slice_type":7946,"slice_label":107},{"text":9750},[9751,9753,9756,9759,9763,9767,9771,9774],{"type":7951,"text":9685,"spans":9752},[],{"type":180,"text":9754,"spans":9755},"Singapore HR practitioners constantly ask: how do we compete? The answer changes shape depending on what you measure.",[],{"type":180,"text":9757,"spans":9758},"This benchmark deliberately ignores three things that get over-discussed elsewhere:",[],{"type":4229,"text":9760,"spans":9761},"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.",[9762],{"start":9,"end":5452,"type":3603},{"type":4229,"text":9764,"spans":9765},"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.",[9766],{"start":9,"end":8590,"type":3603},{"type":4229,"text":9768,"spans":9769},"Brand prestige - Real, but unhelpful to SMEs. You cannot copy this.",[9770],{"start":9,"end":5511,"type":3603},{"type":180,"text":9772,"spans":9773},"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":9775,"spans":9776},"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":9780,"items":9781,"id":9782,"slice_type":8012,"slice_label":107},{},[],"divider$8ef808e7-0653-484e-95ef-0153dfb494a7",{"primary":9784,"items":9818,"id":9819,"slice_type":7946,"slice_label":107},{"text":9785},[9786,9788,9791,9795,9799,9803,9807,9811,9815],{"type":7951,"text":9692,"spans":9787},[],{"type":180,"text":9789,"spans":9790},"Across every Glassdoor review, employee survey and exit interview pattern, the same six categories show up as actually-mentioned reasons people stay or leave. Equity is in here too, but everything else compounds month after month in a way bonuses do not.",[],{"type":4229,"text":9792,"spans":9793},"Medical and family coverage - Outpatient, hospitalisation, dental, optical, including spouse and children",[9794],{"start":9,"end":8585,"type":3603},{"type":4229,"text":9796,"spans":9797},"Parental and family planning - Maternity, paternity, adoption, fertility, childcare and eldercare support",[9798],{"start":9,"end":9715,"type":3603},{"type":4229,"text":9800,"spans":9801},"Annual leave and time off - AL, sick leave, sabbatical, mental health days, public holiday top-ups",[9802],{"start":9,"end":6407,"type":3603},{"type":4229,"text":9804,"spans":9805},"Learning, equity and career - Training budget, certifications, conference attendance, RSUs and ESPP",[9806],{"start":9,"end":8585,"type":3603},{"type":4229,"text":9808,"spans":9809},"Wellness, food and lifestyle perks - Free or subsidised meals, gym, mental health platforms, home office stipends",[9810],{"start":9,"end":9366,"type":3603},{"type":4229,"text":9812,"spans":9813},"Daily-life savings - Discount platforms, corporate rates, partner deals, anything that quietly extends take-home pay",[9814],{"start":9,"end":8590,"type":3603},{"type":180,"text":9816,"spans":9817},"Big Tech tends to be strong in one to three of these categories and average in the rest. Few are best-in-class everywhere - even Google is not the leader in literally every column. Knowing which categories matter most to your specific candidate pool is half the battle.",[],[],"text$dbabd247-8279-478b-b252-fc2269093cbf",{"primary":9821,"items":9822,"id":9823,"slice_type":8012,"slice_label":107},{},[],"divider$1b50d8e2-137b-4aea-a917-e1fc4dc5f2c3",{"primary":9825,"items":9835,"id":9836,"slice_type":9837,"slice_label":107},{"image":9826,"caption":9833,"additional_link":9834,"anchor_id":107},{"dimensions":9827,"alt":9829,"copyright":107,"url":9830,"id":9831,"edit":9832},{"width":7513,"height":9828},800,"meta singapore employee benefits","https://images.prismic.io/dive/afmCc8BOoF08xm2r_dima-solomin-yIT9HO8UrPA-unsplash.jpg?auto=format,compress&rect=0,0,1920,1280&w=1200&h=800","afmCc8BOoF08xm2r",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[],"image_with_caption$cf29f0f7-a98c-4d99-bf68-2e6fdce65249","image_with_caption",{"primary":9839,"items":9846,"id":9847,"slice_type":7946,"slice_label":107},{"text":9840},[9841,9843],{"type":7951,"text":9699,"spans":9842},[],{"type":180,"text":9844,"spans":9845},"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":9849,"items":9854,"id":9975,"slice_type":8260,"slice_label":107},{"table_title":9850},[9851],{"type":171,"text":9852,"spans":9853},"Medical coverage at Big Tech in Singapore (typical, as reported)",[],[9855,9872,9885,9898,9911,9924,9937,9950,9962],{"col1":9856,"col2":9862,"col3":9867},[9857],{"type":180,"text":9858,"spans":9859},"Company",[9860],{"start":9,"end":9861,"type":3603},7,[9863],{"type":180,"text":9864,"spans":9865},"Headline coverage",[9866],{"start":9,"end":3602,"type":3603},[9868],{"type":180,"text":9869,"spans":9870},"Source / note",[9871],{"start":9,"end":5703,"type":3603},{"col1":9873,"col2":9877,"col3":9881},[9874],{"type":180,"text":9875,"spans":9876},"Google SG",[],[9878],{"type":180,"text":9879,"spans":9880},"Comprehensive group hospitalisation + outpatient + dental + optical for employee, spouse and dependent children. Cigna international plan reported by employees on Glassdoor",[],[9882],{"type":180,"text":9883,"spans":9884},"Glassdoor reviews, Google careers page",[],{"col1":9886,"col2":9890,"col3":9894},[9887],{"type":180,"text":9888,"spans":9889},"Meta SG",[],[9891],{"type":180,"text":9892,"spans":9893},"Group hospitalisation, outpatient GP and specialist, dental and optical for employee + dependents. Reported as among the most comprehensive in tech",[],[9895],{"type":180,"text":9896,"spans":9897},"Glassdoor, public careers brochure",[],{"col1":9899,"col2":9903,"col3":9907},[9900],{"type":180,"text":9901,"spans":9902},"Apple SG",[],[9904],{"type":180,"text":9905,"spans":9906},"Group medical, dental and vision. AppleCare wellness programs available globally",[],[9908],{"type":180,"text":9909,"spans":9910},"Apple careers page",[],{"col1":9912,"col2":9916,"col3":9920},[9913],{"type":180,"text":9914,"spans":9915},"Amazon (AWS) SG",[],[9917],{"type":180,"text":9918,"spans":9919},"Group hospitalisation + outpatient. Generally reported as more conservative than Google or Meta on coverage caps",[],[9921],{"type":180,"text":9922,"spans":9923},"Glassdoor, public reviews",[],{"col1":9925,"col2":9929,"col3":9933},[9926],{"type":180,"text":9927,"spans":9928},"Stripe SG",[],[9930],{"type":180,"text":9931,"spans":9932},"Comprehensive medical including dependents. Listed as a core benefit on Stripe's careers site",[],[9934],{"type":180,"text":9935,"spans":9936},"Stripe careers page",[],{"col1":9938,"col2":9942,"col3":9946},[9939],{"type":180,"text":9940,"spans":9941},"ByteDance / TikTok SG",[],[9943],{"type":180,"text":9944,"spans":9945},"Group medical with high outpatient cap and dental. Frequently mentioned as a strong benefit in employee reviews",[],[9947],{"type":180,"text":9948,"spans":9949},"Glassdoor SG reviews",[],{"col1":9951,"col2":9955,"col3":9959},[9952],{"type":180,"text":9953,"spans":9954},"Shopee / Sea SG",[],[9956],{"type":180,"text":9957,"spans":9958},"Group hospitalisation + basic outpatient + dental. Coverage caps reported as more modest than Western Big Tech",[],[9960],{"type":180,"text":9948,"spans":9961},[],{"col1":9963,"col2":9967,"col3":9971},[9964],{"type":180,"text":9965,"spans":9966},"Bloomberg SG",[],[9968],{"type":180,"text":9969,"spans":9970},"Comprehensive medical including dependents, mental health support, on-site clinic access at HQ",[],[9972],{"type":180,"text":9973,"spans":9974},"Bloomberg careers page",[],"table3$f202354e-7761-4355-a8a0-f975b48cf7fe",{"primary":9977,"items":9991,"id":9992,"slice_type":7946,"slice_label":107},{"text":9978},[9979,9982,9985],{"type":180,"text":9980,"spans":9981},"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":9983,"spans":9984},"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":9986,"spans":9987},"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.",[9988],{"start":7258,"end":9989,"type":5402,"data":9990},255,{"link_type":69,"url":8044},[],"text$02ef6193-3a85-44b7-b912-ddfa726079fc",{"primary":9994,"items":9995,"id":9996,"slice_type":8012,"slice_label":107},{},[],"divider$eb664696-4b27-4875-9f4f-3d4d006741ad",{"primary":9998,"items":10005,"id":10006,"slice_type":7946,"slice_label":107},{"text":9999},[10000,10002],{"type":7951,"text":9705,"spans":10001},[],{"type":180,"text":10003,"spans":10004},"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":10008,"items":10013,"id":10120,"slice_type":8260,"slice_label":107},{"table_title":10009},[10010],{"type":171,"text":10011,"spans":10012},"Parental and family benefits at Big Tech SG (above statutory)",[],[10014,10028,10040,10052,10063,10075,10086,10098,10109],{"col1":10015,"col2":10019,"col3":10024},[10016],{"type":180,"text":9858,"spans":10017},[10018],{"start":9,"end":9861,"type":3603},[10020],{"type":180,"text":10021,"spans":10022},"What is added beyond statutory",[10023],{"start":9,"end":5512,"type":3603},[10025],{"type":180,"text":9869,"spans":10026},[10027],{"start":9,"end":5703,"type":3603},{"col1":10029,"col2":10032,"col3":10036},[10030],{"type":180,"text":9875,"spans":10031},[],[10033],{"type":180,"text":10034,"spans":10035},"18-week maternity, 6+ week paternity globally; family planning support including IVF and adoption assistance reported in benefits brochures",[],[10037],{"type":180,"text":10038,"spans":10039},"Google careers benefits page",[],{"col1":10041,"col2":10044,"col3":10048},[10042],{"type":180,"text":9888,"spans":10043},[],[10045],{"type":180,"text":10046,"spans":10047},"4 months paid parental leave globally for both parents; \"Baby Cash\" (US$4,000 in some markets) for new parent expenses; family planning benefit covering fertility",[],[10049],{"type":180,"text":10050,"spans":10051},"Public reporting, Glassdoor",[],{"col1":10053,"col2":10056,"col3":10060},[10054],{"type":180,"text":9901,"spans":10055},[],[10057],{"type":180,"text":10058,"spans":10059},"Maternity above statutory; paternity additional weeks; family-related ESPP carve-outs",[],[10061],{"type":180,"text":9909,"spans":10062},[],{"col1":10064,"col2":10067,"col3":10071},[10065],{"type":180,"text":9914,"spans":10066},[],[10068],{"type":180,"text":10069,"spans":10070},"14-week maternity, paternity at statutory or slightly above. Adoption assistance available globally",[],[10072],{"type":180,"text":10073,"spans":10074},"Glassdoor, careers page",[],{"col1":10076,"col2":10079,"col3":10083},[10077],{"type":180,"text":9927,"spans":10078},[],[10080],{"type":180,"text":10081,"spans":10082},"16+ weeks parental leave for primary and secondary caregivers; fertility and adoption support; listed as standard on careers site",[],[10084],{"type":180,"text":9935,"spans":10085},[],{"col1":10087,"col2":10090,"col3":10094},[10088],{"type":180,"text":9940,"spans":10089},[],[10091],{"type":180,"text":10092,"spans":10093},"Maternity above statutory; reported childcare allowances in some markets",[],[10095],{"type":180,"text":10096,"spans":10097},"Glassdoor reviews",[],{"col1":10099,"col2":10102,"col3":10106},[10100],{"type":180,"text":9953,"spans":10101},[],[10103],{"type":180,"text":10104,"spans":10105},"Statutory + small enhancements; less generous than Western Big Tech historically per Glassdoor",[],[10107],{"type":180,"text":10096,"spans":10108},[],{"col1":10110,"col2":10113,"col3":10117},[10111],{"type":180,"text":9965,"spans":10112},[],[10114],{"type":180,"text":10115,"spans":10116},"26-week maternity, 12-week paternity globally for primary caregiver; family planning and adoption benefits",[],[10118],{"type":180,"text":9973,"spans":10119},[],"table3$cc3db9f7-ccbb-473e-a939-5603bd07f484",{"primary":10122,"items":10130,"id":10131,"slice_type":7946,"slice_label":107},{"text":10123},[10124,10127],{"type":180,"text":10125,"spans":10126},"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":10128,"spans":10129},"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$5f307c25-e6e8-4b3e-ba30-94b464ba30ae",{"primary":10133,"items":10134,"id":10135,"slice_type":8012,"slice_label":107},{},[],"divider$aa407747-d2ff-4103-b149-4b6eede8db2d",{"primary":10137,"items":10144,"id":10145,"slice_type":7946,"slice_label":107},{"text":10138},[10139,10141],{"type":7951,"text":9712,"spans":10140},[],{"type":180,"text":10142,"spans":10143},"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":10147,"items":10152,"id":10264,"slice_type":8260,"slice_label":107},{"table_title":10148},[10149],{"type":171,"text":10150,"spans":10151},"Leave entitlements at Big Tech SG",[],[10153,10168,10180,10192,10204,10216,10228,10240,10252],{"col1":10154,"col2":10158,"col3":10163},[10155],{"type":180,"text":9858,"spans":10156},[10157],{"start":9,"end":9861,"type":3603},[10159],{"type":180,"text":10160,"spans":10161},"Annual leave (typical)",[10162],{"start":9,"end":8084,"type":3603},[10164],{"type":180,"text":10165,"spans":10166},"Other leave categories",[10167],{"start":9,"end":8084,"type":3603},{"col1":10169,"col2":10172,"col3":10176},[10170],{"type":180,"text":9875,"spans":10171},[],[10173],{"type":180,"text":10174,"spans":10175},"20 days AL + paid mental wellness days + ~3 weeks sabbatical at 5-year mark in some regions",[],[10177],{"type":180,"text":10178,"spans":10179},"Volunteering leave, bereavement, jury duty",[],{"col1":10181,"col2":10184,"col3":10188},[10182],{"type":180,"text":9888,"spans":10183},[],[10185],{"type":180,"text":10186,"spans":10187},"21 days AL + 30 days bereavement + sabbatical eligibility",[],[10189],{"type":180,"text":10190,"spans":10191},"Recharge days, jury duty",[],{"col1":10193,"col2":10196,"col3":10200},[10194],{"type":180,"text":9901,"spans":10195},[],[10197],{"type":180,"text":10198,"spans":10199},"15-20 days AL scaling with tenure",[],[10201],{"type":180,"text":10202,"spans":10203},"Standard sick + family care leave",[],{"col1":10205,"col2":10208,"col3":10212},[10206],{"type":180,"text":9914,"spans":10207},[],[10209],{"type":180,"text":10210,"spans":10211},"15-21 days depending on level + tenure",[],[10213],{"type":180,"text":10214,"spans":10215},"Personal leave, jury duty",[],{"col1":10217,"col2":10220,"col3":10224},[10218],{"type":180,"text":9927,"spans":10219},[],[10221],{"type":180,"text":10222,"spans":10223},"20 days AL + flexible additional time off",[],[10225],{"type":180,"text":10226,"spans":10227},"Sabbatical at 5-year mark, volunteering days",[],{"col1":10229,"col2":10232,"col3":10236},[10230],{"type":180,"text":9940,"spans":10231},[],[10233],{"type":180,"text":10234,"spans":10235},"15-18 days AL + birthday leave reported",[],[10237],{"type":180,"text":10238,"spans":10239},"Some teams report 14-month bonus rather than extra leave",[],{"col1":10241,"col2":10244,"col3":10248},[10242],{"type":180,"text":9953,"spans":10243},[],[10245],{"type":180,"text":10246,"spans":10247},"14-20 days AL depending on level",[],[10249],{"type":180,"text":10250,"spans":10251},"Standard sick, childcare leave",[],{"col1":10253,"col2":10256,"col3":10260},[10254],{"type":180,"text":9965,"spans":10255},[],[10257],{"type":180,"text":10258,"spans":10259},"20-25 days AL + paid sabbatical eligibility at long tenure",[],[10261],{"type":180,"text":10262,"spans":10263},"Volunteering, family care",[],"table3$4f3b74cd-9a6c-4fae-98de-60d77263aa30",{"primary":10266,"items":10271,"id":10272,"slice_type":7946,"slice_label":107},{"text":10267},[10268],{"type":180,"text":10269,"spans":10270},"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$78ebb7e2-1fb2-4811-ae40-c28741821b70",{"primary":10274,"items":10275,"id":10276,"slice_type":8012,"slice_label":107},{},[],"divider$b4d5a0e7-f8e2-4226-a5bc-6c592bb5d641",{"primary":10278,"items":10288,"id":10289,"slice_type":7946,"slice_label":107},{"text":10279},[10280,10282,10285],{"type":7951,"text":9719,"spans":10281},[],{"type":180,"text":10283,"spans":10284},"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":10286,"spans":10287},"Learning budgets and conference attendance",[],[],"text$f6448dfa-ce81-401a-a0b5-dfc6b884aa7a",{"primary":10291,"items":10296,"id":10403,"slice_type":8260,"slice_label":107},{"table_title":10292},[10293],{"type":171,"text":10294,"spans":10295},"Annual learning and development allowance (typical, as reported)",[],[10297,10311,10323,10335,10347,10358,10369,10381,10392],{"col1":10298,"col2":10302,"col3":10307},[10299],{"type":180,"text":9858,"spans":10300,"direction":123},[10301],{"start":9,"end":9861,"type":3603},[10303],{"type":180,"text":10304,"spans":10305,"direction":123},"Annual L&D budget per employee",[10306],{"start":9,"end":5512,"type":3603},[10308],{"type":180,"text":9869,"spans":10309,"direction":123},[10310],{"start":9,"end":5703,"type":3603},{"col1":10312,"col2":10315,"col3":10319},[10313],{"type":180,"text":9901,"spans":10314},[],[10316],{"type":180,"text":10317,"spans":10318},"Discretionary, per manager; significant internal training",[],[10320],{"type":180,"text":10321,"spans":10322},"Glassdoor",[],{"col1":10324,"col2":10327,"col3":10331},[10325],{"type":180,"text":9914,"spans":10326},[],[10328],{"type":180,"text":10329,"spans":10330},"Career Choice education benefit (95% tuition for select fields globally)",[],[10332],{"type":180,"text":10333,"spans":10334},"Amazon careers page",[],{"col1":10336,"col2":10339,"col3":10343},[10337],{"type":180,"text":9927,"spans":10338},[],[10340],{"type":180,"text":10341,"spans":10342},"$1,500 to $4,000 reported plus book budget",[],[10344],{"type":180,"text":10345,"spans":10346},"Glassdoor, employee posts",[],{"col1":10348,"col2":10351,"col3":10355},[10349],{"type":180,"text":9940,"spans":10350},[],[10352],{"type":180,"text":10353,"spans":10354},"Internal training emphasised; smaller external budget reported",[],[10356],{"type":180,"text":10321,"spans":10357},[],{"col1":10359,"col2":10362,"col3":10366},[10360],{"type":180,"text":9888,"spans":10361,"direction":123},[],[10363],{"type":180,"text":10364,"spans":10365,"direction":123},"$2,000 to $5,000 plus internal Meta Learning platform",[],[10367],{"type":180,"text":10096,"spans":10368,"direction":123},[],{"col1":10370,"col2":10373,"col3":10377},[10371],{"type":180,"text":9875,"spans":10372},[],[10374],{"type":180,"text":10375,"spans":10376},"$1,500 to $5,000 reported, plus internal Google University courses",[],[10378],{"type":180,"text":10379,"spans":10380},"Glassdoor, public reporting",[],{"col1":10382,"col2":10385,"col3":10389},[10383],{"type":180,"text":9953,"spans":10384},[],[10386],{"type":180,"text":10387,"spans":10388},"Conference + training attendance often manager-discretionary",[],[10390],{"type":180,"text":10096,"spans":10391},[],{"col1":10393,"col2":10396,"col3":10400},[10394],{"type":180,"text":9965,"spans":10395},[],[10397],{"type":180,"text":10398,"spans":10399},"Bloomberg University + tuition reimbursement program",[],[10401],{"type":180,"text":9973,"spans":10402},[],"table3$5e3a5ef4-1f0e-4be0-a7f3-1949c9a0b21a",{"primary":10405,"items":10422,"id":10423,"slice_type":7946,"slice_label":107},{"text":10406},[10407,10410,10413,10416,10419],{"type":171,"text":10408,"spans":10409},"Equity and ESPP",[],{"type":180,"text":10411,"spans":10412},"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":10414,"spans":10415},"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":10417,"spans":10418},"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":10420,"spans":10421},"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":10425,"items":10426,"id":10427,"slice_type":8012,"slice_label":107},{},[],"divider$6fda2536-96fd-4c06-958f-d91e2cbd5ffe",{"primary":10429,"items":10436,"id":10437,"slice_type":7946,"slice_label":107},{"text":10430},[10431,10433],{"type":7951,"text":9725,"spans":10432},[],{"type":180,"text":10434,"spans":10435},"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":10439,"items":10444,"id":10557,"slice_type":8260,"slice_label":107},{"table_title":10440},[10441],{"type":171,"text":10442,"spans":10443},"Wellness, food and lifestyle perks at Big Tech SG",[],[10445,10461,10473,10485,10497,10509,10521,10533,10545],{"col1":10446,"col2":10450,"col3":10456},[10447],{"type":180,"text":9858,"spans":10448},[10449],{"start":9,"end":9861,"type":3603},[10451],{"type":180,"text":10452,"spans":10453},"What is offered",[10454],{"start":9,"end":10455,"type":3603},15,[10457],{"type":180,"text":10458,"spans":10459},"Approx. cost equivalent per employee per year",[10460],{"start":9,"end":8397,"type":3603},{"col1":10462,"col2":10465,"col3":10469},[10463],{"type":180,"text":9875,"spans":10464},[],[10466],{"type":180,"text":10467,"spans":10468},"Free breakfast, lunch and dinner at office; on-site gym; wellness reimbursement; Modern Health mental wellness platform",[],[10470],{"type":180,"text":10471,"spans":10472},"$8,000 to $12,000 in food alone if used daily",[],{"col1":10474,"col2":10477,"col3":10481},[10475],{"type":180,"text":9888,"spans":10476},[],[10478],{"type":180,"text":10479,"spans":10480},"Free meals at office; gym subsidy; family planning + mental health platforms",[],[10482],{"type":180,"text":10483,"spans":10484},"$6,000 to $10,000 food + wellness",[],{"col1":10486,"col2":10489,"col3":10493},[10487],{"type":180,"text":9901,"spans":10488},[],[10490],{"type":180,"text":10491,"spans":10492},"Subsidised cafe (not free); on-site gym at HQs; wellness apps",[],[10494],{"type":180,"text":10495,"spans":10496},"$1,500 to $3,000 effective subsidy",[],{"col1":10498,"col2":10501,"col3":10505},[10499],{"type":180,"text":9914,"spans":10500},[],[10502],{"type":180,"text":10503,"spans":10504},"No free food (a known cultural choice); standard wellness benefits",[],[10506],{"type":180,"text":10507,"spans":10508},"$500 to $1,500",[],{"col1":10510,"col2":10513,"col3":10517},[10511],{"type":180,"text":9927,"spans":10512},[],[10514],{"type":180,"text":10515,"spans":10516},"$20,000 one-time home office stipend; wellness reimbursement; food provided in some offices",[],[10518],{"type":180,"text":10519,"spans":10520},"$1,000+ recurring annual on top of one-time",[],{"col1":10522,"col2":10525,"col3":10529},[10523],{"type":180,"text":9940,"spans":10524},[],[10526],{"type":180,"text":10527,"spans":10528},"Famous for generous food (free lunch and dinner reported); gym subsidies",[],[10530],{"type":180,"text":10531,"spans":10532},"$5,000 to $9,000 food",[],{"col1":10534,"col2":10537,"col3":10541},[10535],{"type":180,"text":9953,"spans":10536},[],[10538],{"type":180,"text":10539,"spans":10540},"Subsidised meals in office; gym subsidy varies by team",[],[10542],{"type":180,"text":10543,"spans":10544},"$1,000 to $3,000",[],{"col1":10546,"col2":10549,"col3":10553},[10547],{"type":180,"text":9965,"spans":10548},[],[10550],{"type":180,"text":10551,"spans":10552},"Free snacks and pantry; subsidised food; on-site gym at major offices",[],[10554],{"type":180,"text":10555,"spans":10556},"$2,000 to $4,000",[],"table3$80aafcb6-ce34-47cf-b0f5-ca8e958d59d5",{"primary":10559,"items":10581,"id":10582,"slice_type":7946,"slice_label":107},{"text":10560},[10561,10564,10567,10570],{"type":180,"text":10562,"spans":10563,"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":10565,"spans":10566,"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":10568,"spans":10569,"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":10571,"spans":10572,"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.",[10573,10576],{"start":3602,"end":9371,"type":5402,"data":10574},{"link_type":69,"url":10575,"target":186},"https://www.divedeals.co/employer",{"start":10577,"end":10578,"type":5402,"data":10579},210,256,{"link_type":69,"url":10580,"target":186},"https://divedeals.sg/blog/types-of-employee-perks-and-benefits",[],"text$38deeeb1-427d-4458-8491-f17354bdb647",{"primary":10584,"items":10585,"id":10586,"slice_type":8012,"slice_label":107},{},[],"divider$39a0b24f-8796-4d84-907d-c6158bb56444",{"primary":10588,"items":10595,"id":10596,"slice_type":7946,"slice_label":107},{"text":10589},[10590,10592],{"type":7951,"text":9731,"spans":10591},[],{"type":180,"text":10593,"spans":10594},"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":10598,"items":10603,"id":10686,"slice_type":8122,"slice_label":107},{"table_title":10599},[10600],{"type":171,"text":10601,"spans":10602},"Approximate annual employer cost of Big Tech benefits (per SG employee, excl. salary/equity/bonus)",[],[10604,10615,10624,10633,10642,10651,10660,10669,10677],{"col1":10605,"col2":10609},[10606],{"type":180,"text":8980,"spans":10607},[10608],{"start":9,"end":8078,"type":3603},[10610],{"type":180,"text":10611,"spans":10612},"Annual cost per head",[10613],{"start":9,"end":10614,"type":3603},20,{"col1":10616,"col2":10620},[10617],{"type":180,"text":10618,"spans":10619},"Group medical (employee + spouse + 2 kids), high coverage",[],[10621],{"type":180,"text":10622,"spans":10623},"$2,500 to $4,500",[],{"col1":10625,"col2":10629},[10626],{"type":180,"text":10627,"spans":10628},"Mental health platform (Modern Health, Headspace, etc.)",[],[10630],{"type":180,"text":10631,"spans":10632},"$300 to $600",[],{"col1":10634,"col2":10638},[10635],{"type":180,"text":10636,"spans":10637},"Wellness reimbursement",[],[10639],{"type":180,"text":10640,"spans":10641},"$1,000 to $2,000",[],{"col1":10643,"col2":10647},[10644],{"type":180,"text":10645,"spans":10646},"Free meals (if offered, lunch + dinner)",[],[10648],{"type":180,"text":10649,"spans":10650},"$6,000 to $12,000",[],{"col1":10652,"col2":10656},[10653],{"type":180,"text":10654,"spans":10655},"Learning budget",[],[10657],{"type":180,"text":10658,"spans":10659},"$2,000 to $5,000",[],{"col1":10661,"col2":10665},[10662],{"type":180,"text":10663,"spans":10664},"Gym + on-site facilities",[],[10666],{"type":180,"text":10667,"spans":10668},"$1,000 to $2,500",[],{"col1":10670,"col2":10674},[10671],{"type":180,"text":10672,"spans":10673},"Family planning support (averaged across population)",[],[10675],{"type":180,"text":10507,"spans":10676},[],{"col1":10678,"col2":10682},[10679],{"type":180,"text":10680,"spans":10681},"Total annual benefits investment per head",[],[10683],{"type":180,"text":10684,"spans":10685},"$13,000 to $28,000",[],"table$50b82840-eb1e-4814-906a-ba6b31faa0fc",{"primary":10688,"items":10696,"id":10697,"slice_type":7946,"slice_label":107},{"text":10689},[10690,10693],{"type":180,"text":10691,"spans":10692},"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":10694,"spans":10695},"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":10699,"items":10700,"id":10701,"slice_type":8012,"slice_label":107},{},[],"divider$4689f276-f2a6-48db-a8ec-179abecd74ce",{"primary":10703,"items":10710,"id":10711,"slice_type":7946,"slice_label":107},{"text":10704},[10705,10707],{"type":7951,"text":9737,"spans":10706},[],{"type":180,"text":10708,"spans":10709},"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":10713,"items":10718,"id":10850,"slice_type":8260,"slice_label":107},{"table_title":10714},[10715],{"type":171,"text":10716,"spans":10717},"The SME affordable benefits stack ($2,500-$4,000 per head per year)",[],[10719,10734,10747,10760,10773,10786,10798,10811,10824,10837],{"col1":10720,"col2":10724,"col3":10729},[10721],{"type":180,"text":8980,"spans":10722},[10723],{"start":9,"end":8078,"type":3603},[10725],{"type":180,"text":10726,"spans":10727},"Approximate annual cost",[10728],{"start":9,"end":7475,"type":3603},[10730],{"type":180,"text":10731,"spans":10732},"Perceived value vs Big Tech equivalent",[10733],{"start":9,"end":9417,"type":3603},{"col1":10735,"col2":10739,"col3":10743},[10736],{"type":180,"text":10737,"spans":10738},"Group hospitalisation + outpatient (Mednefits panel)",[],[10740],{"type":180,"text":10741,"spans":10742},"$700 to $1,200",[],[10744],{"type":180,"text":10745,"spans":10746},"70-80% of Big Tech equivalent",[],{"col1":10748,"col2":10752,"col3":10756},[10749],{"type":180,"text":10750,"spans":10751},"Group term life or critical illness rider",[],[10753],{"type":180,"text":10754,"spans":10755},"$200 to $500",[],[10757],{"type":180,"text":10758,"spans":10759},"50% (Big Tech rarely tops this)",[],{"col1":10761,"col2":10765,"col3":10769},[10762],{"type":180,"text":10763,"spans":10764},"Wellness allowance (medical-only flex, CPF-free)",[],[10766],{"type":180,"text":10767,"spans":10768},"$500 to $800",[],[10770],{"type":180,"text":10771,"spans":10772},"60% (smaller dollar but tax-efficient)",[],{"col1":10774,"col2":10778,"col3":10782},[10775],{"type":180,"text":10776,"spans":10777},"Corporate gym partnership (ActiveSG / Gympass)",[],[10779],{"type":180,"text":10780,"spans":10781},"$300 to $700",[],[10783],{"type":180,"text":10784,"spans":10785},"80% (often equal to Big Tech)",[],{"col1":10787,"col2":10791,"col3":10794},[10788],{"type":180,"text":10789,"spans":10790},"Pantry stock + monthly catered lunch",[],[10792],{"type":180,"text":10631,"spans":10793},[],[10795],{"type":180,"text":10796,"spans":10797},"40% (no daily free meal)",[],{"col1":10799,"col2":10803,"col3":10807},[10800],{"type":180,"text":10801,"spans":10802},"Employee discount platform (Dive Perk-style)",[],[10804],{"type":180,"text":10805,"spans":10806},"$60 to $120",[],[10808],{"type":180,"text":10809,"spans":10810},"120% (most Big Tech do not have this)",[],{"col1":10812,"col2":10816,"col3":10820},[10813],{"type":180,"text":10814,"spans":10815},"$200 festive gifts x 3 (CNY, Hari Raya, Deepavali)",[],[10817],{"type":180,"text":10818,"spans":10819},"$600",[],[10821],{"type":180,"text":10822,"spans":10823},"90% (parity)",[],{"col1":10825,"col2":10829,"col3":10833},[10826],{"type":180,"text":10827,"spans":10828},"Birthday + service award gifts",[],[10830],{"type":180,"text":10831,"spans":10832},"$200",[],[10834],{"type":180,"text":10835,"spans":10836},"90%",[],{"col1":10838,"col2":10842,"col3":10846},[10839],{"type":180,"text":10840,"spans":10841},"Total stack",[],[10843],{"type":180,"text":10844,"spans":10845},"$2,860 to $4,720",[],[10847],{"type":180,"text":10848,"spans":10849},"~65% of Big Tech perceived value at ~17% of cost",[],"table3$81d21af1-7c0b-426b-82b2-4d58bfe93a65",{"primary":10852,"items":10887,"id":10888,"slice_type":7946,"slice_label":107},{"text":10853},[10854,10857,10864,10872,10878],{"type":180,"text":10855,"spans":10856,"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":10858,"spans":10859,"direction":123},"The discount platform line at $60 to $120 per head is the highest-impact line in the table. Big Tech mostly assumes its salary covers daily lifestyle. SMEs can outpace them by giving their team active discount access on F&B, groceries, attractions, travel and retail - the things the team actually buys every week. See the best employee discounts available in Singapore for what these tend to include.",[10860],{"start":10861,"end":10862,"type":5402,"data":10863},323,369,{"link_type":69,"url":8409,"target":186},{"type":180,"text":10865,"spans":10866,"direction":123},"If you have not built any formal benefits programme yet, the broader explainer of what an employee discount programme actually is and how it qualifies for IRAS and CPF treatment is a good starting point.",[10867],{"start":10868,"end":10869,"type":5402,"data":10870},82,129,{"link_type":69,"url":10871,"target":186},"https://divedeals.sg/blog/what-is-an-employee-discount-program",{"type":180,"text":10873,"spans":10874,"direction":123},"Want to know about the plans of Dive Perk? Click here to explore the best plan for your company.",[10875,10877],{"start":8600,"end":9571,"type":5402,"data":10876},{"link_type":69,"url":10575,"target":186},{"start":8600,"end":9571,"type":3603},{"type":180,"text":10879,"spans":10880,"direction":123},"Still having some thoughts about enhancing your employee benefits? Feel free to contact us to find out how Dive Perk can help you today!",[10881,10886],{"start":10882,"end":10883,"type":5402,"data":10884},80,90,{"link_type":69,"url":10885,"target":186},"https://mailto:hello@divedeals.sg/",{"start":10882,"end":10883,"type":3603},[],"text$e45406cb-5d44-44e3-80ba-0148018980af",{"id":10890,"uid":10891,"url":107,"type":7846,"href":10892,"tags":10893,"first_publication_date":10896,"last_publication_date":10896,"slugs":10897,"linked_documents":10899,"lang":115,"alternate_languages":10900,"data":10901},"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",[10894,10895,7851],"travel","forex card","2026-05-05T03:40:47+0000",[10898],"youtrip-vs-wise-vs-revolut-vs-amaze-in-singapore-2026-the-real-cost-of-your-overseas-spend-per-1000",[],[],{"title":10902,"seo_title":10906,"seo_meta_description":10910,"featured":16,"expired":16,"noindex":16,"cover_image":10914,"date":4124,"author_link":10920,"body":10923},[10903],{"type":120,"text":10904,"spans":10905},"YouTrip vs Wise vs Revolut vs Amaze in Singapore (2026): The Real Cost of Your Overseas Spend, Per $1,000",[],[10907],{"type":120,"text":10908,"spans":10909},"YouTrip vs Wise vs Revolut vs Amaze Singapore (2026): Real Cost Comparison",[],[10911],{"type":120,"text":10912,"spans":10913},"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":10915,"alt":10916,"copyright":107,"url":10917,"id":10918,"edit":10919},{"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":10921,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":10922,"isBroken":16},[],"d505f67f-4227-4034-a023-b15318a928ff",[10924,10943,11002,11006,11043,11047,11121,11125,11194,11198,11258,11262,11327,11331,11341,11548,11556,11560,11573,11645,11656,11729,11740,11809,11817,11821],{"primary":10925,"items":10941,"id":10942,"slice_type":7946,"slice_label":107},{"text":10926},[10927,10930,10933,10936],{"type":180,"text":10928,"spans":10929},"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":10931,"spans":10932},"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":10934,"spans":10935},"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":10937,"spans":10938},"Last verified: 5 May 2026, with all rates and fees pulled from each provider's official Singapore pricing page.",[10939],{"start":9,"end":10940,"type":7900},111,[],"text$132a3772-b32b-40b5-88fb-31b08e889b7a",{"primary":10944,"items":11000,"id":11001,"slice_type":7946,"slice_label":107},{"text":10945},[10946,10948,10954,10961,10967,10973,10980,10987,10994],{"type":7951,"text":7952,"spans":10947,"direction":123},[],{"type":180,"text":10949,"spans":10950,"direction":123},"1. The 3 things that actually decide your overseas spend cost",[10951],{"start":9,"end":8924,"type":5402,"data":10952},{"link_type":69,"url":10953,"target":186},"#1-the-3-things-that-actually-decide-your-overseas-spend-cost",{"type":180,"text":10955,"spans":10956,"direction":123},"2. YouTrip - the no-thinking pick for occasional travel",[10957],{"start":9,"end":10958,"type":5402,"data":10959},55,{"link_type":69,"url":10960,"target":186},"#2-youtrip-the-no-thinking-pick-for-occasional-travel",{"type":180,"text":10962,"spans":10963,"direction":123},"3. Wise - the long-stay multi-currency holder",[10964],{"start":9,"end":8397,"type":5402,"data":10965},{"link_type":69,"url":10966,"target":186},"#3-wise-the-long-stay-multi-currency-holder",{"type":180,"text":10968,"spans":10969,"direction":123},"4. Revolut - the high-spender with weekday discipline",[10970],{"start":9,"end":9571,"type":5402,"data":10971},{"link_type":69,"url":10972,"target":186},"#4-revolut-the-high-spender-with-weekday-discipline",{"type":180,"text":10974,"spans":10975,"direction":123},"5. Amaze - the miles-stacker hybrid (with caveats)",[10976],{"start":9,"end":10977,"type":5402,"data":10978},50,{"link_type":69,"url":10979,"target":186},"#5-amaze-the-miles-stacker-hybrid-with-caveats-",{"type":180,"text":10981,"spans":10982,"direction":123},"6. Side-by-side: every fee that matters",[10983],{"start":9,"end":10984,"type":5402,"data":10985},39,{"link_type":69,"url":10986,"target":186},"#6-side-by-side-every-fee-that-matters",{"type":180,"text":10988,"spans":10989,"direction":123},"7. Three real scenarios with dollar maths",[10990],{"start":9,"end":10991,"type":5402,"data":10992},41,{"link_type":69,"url":10993,"target":186},"#7-three-real-scenarios-with-dollar-maths",{"type":180,"text":10995,"spans":10996,"direction":123},"8. Which card is actually right for you",[10997],{"start":9,"end":10984,"type":5402,"data":10998},{"link_type":69,"url":10999,"target":186},"#8-which-card-is-actually-right-for-you",[],"text$7fd2490b-0979-4ba9-bca1-2682ed4269da",{"primary":11003,"items":11004,"id":11005,"slice_type":8012,"slice_label":107},{},[],"divider$034f72bb-0af2-4b86-b302-f1ec83d38316",{"primary":11007,"items":11041,"id":11042,"slice_type":7946,"slice_label":107},{"text":11008},[11009,11011,11014,11018,11022,11026,11029],{"type":7951,"text":10949,"spans":11010},[],{"type":180,"text":11012,"spans":11013},"Strip away the marketing and there are exactly three numbers that determine how much an overseas transaction costs you.",[],{"type":4229,"text":11015,"spans":11016},"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.",[11017],{"start":9,"end":6267,"type":3603},{"type":4229,"text":11019,"spans":11020},"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.",[11021],{"start":9,"end":8595,"type":3603},{"type":4229,"text":11023,"spans":11024},"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.",[11025],{"start":9,"end":8585,"type":3603},{"type":180,"text":11027,"spans":11028},"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":11030,"spans":11031},"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.",[11032,11036],{"start":6267,"end":11033,"type":5402,"data":11034},108,{"link_type":69,"url":11035},"https://divedeals.sg/blog/credit-card-annual-fee-waiver-singapore",{"start":11037,"end":11038,"type":5402,"data":11039},190,211,{"link_type":69,"url":11040},"https://divedeals.sg/blog/free-credit-card-travel-insurance-singapore-guide",[],"text$117b7176-0a1e-478e-b3a5-37c771208432",{"primary":11044,"items":11045,"id":11046,"slice_type":8012,"slice_label":107},{},[],"divider$081b628d-be2f-44b4-a764-84cf7f08cafa",{"primary":11048,"items":11119,"id":11120,"slice_type":7946,"slice_label":107},{"text":11049},[11050,11052,11060,11063,11067,11071,11075,11079,11083,11087,11091,11095,11098,11101,11104,11107,11110],{"type":7951,"text":10955,"spans":11051},[],{"type":180,"text":11053,"spans":11054},"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.",[11055],{"start":11056,"end":11057,"type":5402,"data":11058},106,137,{"link_type":69,"url":11059},"https://support.you.co/hc/en-us/articles/360000597553-What-are-the-exchange-rates-and-fees-offered-by-YouTrip",{"type":171,"text":11061,"spans":11062},"What you actually pay",[],{"type":4229,"text":11064,"spans":11065},"Annual fee - Free",[11066],{"start":9,"end":3601,"type":3603},{"type":4229,"text":11068,"spans":11069},"Card issuance and setup - Free",[11070],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11072,"spans":11073},"Top-up via PayNow, FAST, Mastercard or Visa debit - Free",[11074],{"start":9,"end":8600,"type":3603},{"type":4229,"text":11076,"spans":11077},"Top-up via Visa credit card - 1.5% service fee",[11078],{"start":9,"end":8585,"type":3603},{"type":4229,"text":11080,"spans":11081},"Currency exchange in app - Free, at Mastercard wholesale rate across 150+ currencies",[11082],{"start":9,"end":6267,"type":3603},{"type":4229,"text":11084,"spans":11085},"Overseas card spend - Free, no transaction fee, no FX markup",[11086],{"start":9,"end":7423,"type":3603},{"type":4229,"text":11088,"spans":11089},"Overseas ATM withdrawal - Free up to S$400 per calendar month, then 2% (the foreign ATM operator may charge their own fee on top)",[11090],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11092,"spans":11093},"Card replacement - S$10",[11094],{"start":9,"end":6275,"type":3603},{"type":171,"text":11096,"spans":11097},"Where it actually wins",[],{"type":180,"text":11099,"spans":11100},"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":11102,"spans":11103},"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":11105,"spans":11106},"Where it loses",[],{"type":180,"text":11108,"spans":11109},"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":11111,"spans":11112},"YouTrip official sources: the fees overview and the YouTrip ATM withdrawal article both confirm the numbers above.",[11113,11116],{"start":5512,"end":5453,"type":5402,"data":11114},{"link_type":69,"url":11115},"https://support.you.co/hc/en-us/articles/360000608414-What-are-the-fees-involved-in-using-a-YouTrip-account",{"start":7991,"end":10868,"type":5402,"data":11117},{"link_type":69,"url":11118},"https://support.you.co/hc/en-us/articles/360003288834-Can-I-withdraw-cash-from-local-and-overseas-ATMs-with-my-YouTrip-card",[],"text$4e176db6-859e-4210-80e4-dbf9b37addc4",{"primary":11122,"items":11123,"id":11124,"slice_type":8012,"slice_label":107},{},[],"divider$b0b58af5-1209-4cb2-9cea-a3c383ccdbd3",{"primary":11126,"items":11192,"id":11193,"slice_type":7946,"slice_label":107},{"text":11127},[11128,11130,11133,11135,11139,11143,11147,11151,11155,11159,11163,11167,11172,11174,11177,11184,11186,11189],{"type":7951,"text":10962,"spans":11129},[],{"type":180,"text":11131,"spans":11132},"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":11061,"spans":11134},[],{"type":4229,"text":11136,"spans":11137},"Card issuance - S$8.50 (digital card free)",[11138],{"start":9,"end":5703,"type":3603},{"type":4229,"text":11140,"spans":11141},"Annual fee - None (no subscription)",[11142],{"start":9,"end":3601,"type":3603},{"type":4229,"text":11144,"spans":11145},"Express delivery - From S$16",[11146],{"start":9,"end":6275,"type":3603},{"type":4229,"text":11148,"spans":11149},"Card replacement - S$4 (free for expired cards)",[11150],{"start":9,"end":6275,"type":3603},{"type":4229,"text":11152,"spans":11153},"Top-up to your Wise account from a Singapore bank - Free",[11154],{"start":9,"end":8600,"type":3603},{"type":4229,"text":11156,"spans":11157},"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",[11158],{"start":9,"end":7423,"type":3603},{"type":4229,"text":11160,"spans":11161},"Overseas ATM withdrawal - Free up to S$100 per month, then 1.75% on the amount above S$100. ATM operator may also charge",[11162],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11164,"spans":11165},"Local Singapore ATM withdrawals - Not allowed",[11166],{"start":9,"end":9708,"type":3603},{"type":4229,"text":11168,"spans":11169},"Topping up external e-wallets - 2%",[11170],{"start":9,"end":11171,"type":3603},29,{"type":171,"text":11096,"spans":11173},[],{"type":180,"text":11175,"spans":11176},"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":11178,"spans":11179},"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.",[11180],{"start":11181,"end":11037,"type":5402,"data":11182},171,{"link_type":69,"url":11183},"https://wise.com/sg/pricing/card-fees",{"type":171,"text":11105,"spans":11185},[],{"type":180,"text":11187,"spans":11188},"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$400 for the others).",[],{"type":180,"text":11190,"spans":11191},"And there are no miles or cashback. Ever. Same downside as YouTrip on the rewards front.",[],[],"text$ff07bbdb-5306-4bc6-ba3b-690fb9007836",{"primary":11195,"items":11196,"id":11197,"slice_type":8012,"slice_label":107},{},[],"divider$dd0231a7-0040-4a35-9135-60eb85089f1c",{"primary":11199,"items":11256,"id":11257,"slice_type":7946,"slice_label":107},{"text":11200},[11201,11203,11206,11209,11213,11217,11221,11225,11229,11233,11237,11240,11242,11245,11248,11250,11253],{"type":7951,"text":10968,"spans":11202},[],{"type":180,"text":11204,"spans":11205},"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":11207,"spans":11208},"What you actually pay (Standard plan)",[],{"type":4229,"text":11210,"spans":11211},"Plan subscription - Free",[11212],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11214,"spans":11215},"First Revolut card - Free, S$4.99 delivery fee",[11216],{"start":9,"end":8590,"type":3603},{"type":4229,"text":11218,"spans":11219},"Top-up from a Singapore bank - Free",[11220],{"start":9,"end":9715,"type":3603},{"type":4229,"text":11222,"spans":11223},"Top-up from cards - 0.30% (SG-issued Visa debit) to 2.08% (international consumer debit), per the Standard fees page",[11224],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11226,"spans":11227},"Currency exchange - Free up to S$5,000/month combined across all currencies; 1% fair-usage fee on any amount above",[11228],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11230,"spans":11231},"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",[11232],{"start":9,"end":3602,"type":3603},{"type":4229,"text":11234,"spans":11235},"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",[11236],{"start":9,"end":7475,"type":3603},{"type":4229,"text":11164,"spans":11238},[11239],{"start":9,"end":9708,"type":3603},{"type":171,"text":11096,"spans":11241},[],{"type":180,"text":11243,"spans":11244},"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":11246,"spans":11247},"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":11105,"spans":11249},[],{"type":180,"text":11251,"spans":11252},"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":11254,"spans":11255},"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":11259,"items":11260,"id":11261,"slice_type":8012,"slice_label":107},{},[],"divider$d2ba77c1-e2cc-4d92-93d2-42738798a8a6",{"primary":11263,"items":11325,"id":11326,"slice_type":7946,"slice_label":107},{"text":11264},[11265,11267,11270,11272,11276,11280,11284,11288,11292,11296,11300,11303,11306,11309,11311,11314,11317,11319,11322],{"type":7951,"text":10974,"spans":11266},[],{"type":180,"text":11268,"spans":11269},"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":11061,"spans":11271},[],{"type":4229,"text":11273,"spans":11274},"Annual fee, card issuance, replacement - Free",[11275],{"start":9,"end":9417,"type":3603},{"type":4229,"text":11277,"spans":11278},"Top-up via PayNow or linked bank - Free",[11279],{"start":9,"end":8595,"type":3603},{"type":4229,"text":11281,"spans":11282},"Top-up via Apple Pay - 1.5% (minimum S$0.50)",[11283],{"start":9,"end":10614,"type":3603},{"type":4229,"text":11285,"spans":11286},"Wallet mode (spend from Amaze SGD balance) - Free domestically, free abroad, no extra FX markup beyond Amaze's rate",[11287],{"start":9,"end":6406,"type":3603},{"type":4229,"text":11289,"spans":11290},"Linked card mode for SGD transactions - 1% fee, minimum S$0.50",[11291],{"start":9,"end":7315,"type":3603},{"type":4229,"text":11293,"spans":11294},"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",[11295],{"start":9,"end":8029,"type":3603},{"type":4229,"text":11297,"spans":11298},"Overseas ATM withdrawal - 2% fee",[11299],{"start":9,"end":7475,"type":3603},{"type":171,"text":11301,"spans":11302},"How the miles stack actually works",[],{"type":180,"text":11304,"spans":11305},"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":11307,"spans":11308},"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":11096,"spans":11310},[],{"type":180,"text":11312,"spans":11313},"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":11315,"spans":11316},"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":11105,"spans":11318},[],{"type":180,"text":11320,"spans":11321},"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":11323,"spans":11324},"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":11328,"items":11329,"id":11330,"slice_type":8012,"slice_label":107},{},[],"divider$3351412b-7701-43a3-a257-22484470140b",{"primary":11332,"items":11339,"id":11340,"slice_type":7946,"slice_label":107},{"text":11333},[11334,11336],{"type":7951,"text":10981,"spans":11335},[],{"type":180,"text":11337,"spans":11338},"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":11342,"items":11347,"id":11547,"slice_type":9324,"slice_label":107},{"table_title":11343},[11344],{"type":171,"text":11345,"spans":11346},"Headline fees compared (free / default plan)",[],[11348,11370,11386,11402,11416,11433,11450,11467,11483,11500,11517,11532],{"col1":11349,"col2":11355,"col3":11360,"col4":11365},[11350],{"type":180,"text":11351,"spans":11352},"Fee line",[11353],{"start":9,"end":11354,"type":3603},8,[11356],{"type":180,"text":11357,"spans":11358},"YouTrip",[11359],{"start":9,"end":9861,"type":3603},[11361],{"type":180,"text":11362,"spans":11363},"Wise",[11364],{"start":9,"end":8161,"type":3603},[11366],{"type":180,"text":11367,"spans":11368},"Revolut Standard",[11369],{"start":9,"end":6275,"type":3603},{"col1":11371,"col2":11375,"col3":11379,"col4":11383},[11372],{"type":180,"text":11373,"spans":11374},"Annual fee",[],[11376],{"type":180,"text":11377,"spans":11378},"Free",[],[11380],{"type":180,"text":11381,"spans":11382},"Free (no subscription)",[],[11384],{"type":180,"text":11377,"spans":11385},[],{"col1":11387,"col2":11391,"col3":11394,"col4":11398},[11388],{"type":180,"text":11389,"spans":11390},"Card issuance",[],[11392],{"type":180,"text":11377,"spans":11393},[],[11395],{"type":180,"text":11396,"spans":11397},"S$8.50 (digital free)",[],[11399],{"type":180,"text":11400,"spans":11401},"Free + S$4.99 delivery",[],{"col1":11403,"col2":11407,"col3":11410,"col4":11413},[11404],{"type":180,"text":11405,"spans":11406},"Top-up via PayNow / SG bank",[],[11408],{"type":180,"text":11377,"spans":11409},[],[11411],{"type":180,"text":11377,"spans":11412},[],[11414],{"type":180,"text":11377,"spans":11415},[],{"col1":11417,"col2":11421,"col3":11425,"col4":11429},[11418],{"type":180,"text":11419,"spans":11420},"Top-up via debit/credit card",[],[11422],{"type":180,"text":11423,"spans":11424},"Free for Mastercard, 1.5% for Visa credit",[],[11426],{"type":180,"text":11427,"spans":11428},"Varies",[],[11430],{"type":180,"text":11431,"spans":11432},"0.30% to 2.08% surcharge",[],{"col1":11434,"col2":11438,"col3":11442,"col4":11446},[11435],{"type":180,"text":11436,"spans":11437},"FX rate",[],[11439],{"type":180,"text":11440,"spans":11441},"Mastercard wholesale, 0% markup",[],[11443],{"type":180,"text":11444,"spans":11445},"Mid-market plus per-currency fee",[],[11447],{"type":180,"text":11448,"spans":11449},"Revolut rate (variable)",[],{"col1":11451,"col2":11455,"col3":11459,"col4":11463},[11452],{"type":180,"text":11453,"spans":11454},"FX fee on card spend",[],[11456],{"type":180,"text":11457,"spans":11458},"0%",[],[11460],{"type":180,"text":11461,"spans":11462},"~0.25% USD, ~0.4% major travel pairs",[],[11464],{"type":180,"text":11465,"spans":11466},"0% up to S$5,000/month, then 1%",[],{"col1":11468,"col2":11472,"col3":11476,"col4":11479},[11469],{"type":180,"text":11470,"spans":11471},"Weekend FX surcharge",[],[11473],{"type":180,"text":11474,"spans":11475},"None",[],[11477],{"type":180,"text":11474,"spans":11478},[],[11480],{"type":180,"text":11481,"spans":11482},"1% outside FX market hours",[],{"col1":11484,"col2":11488,"col3":11492,"col4":11496},[11485],{"type":180,"text":11486,"spans":11487},"Overseas ATM free amount",[],[11489],{"type":180,"text":11490,"spans":11491},"S$400/month",[],[11493],{"type":180,"text":11494,"spans":11495},"S$100/month",[],[11497],{"type":180,"text":11498,"spans":11499},"S$350/month or 5 withdrawals",[],{"col1":11501,"col2":11505,"col3":11509,"col4":11513},[11502],{"type":180,"text":11503,"spans":11504},"Overseas ATM fee above limit",[],[11506],{"type":180,"text":11507,"spans":11508},"2%",[],[11510],{"type":180,"text":11511,"spans":11512},"1.75%",[],[11514],{"type":180,"text":11515,"spans":11516},"2% or S$1.49 (higher)",[],{"col1":11518,"col2":11522,"col3":11526,"col4":11529},[11519],{"type":180,"text":11520,"spans":11521},"Local SG ATM use",[],[11523],{"type":180,"text":11524,"spans":11525},"No",[],[11527],{"type":180,"text":11524,"spans":11528},[],[11530],{"type":180,"text":11524,"spans":11531},[],{"col1":11533,"col2":11537,"col3":11540,"col4":11543},[11534],{"type":180,"text":11535,"spans":11536},"Earns miles or cashback",[],[11538],{"type":180,"text":11524,"spans":11539},[],[11541],{"type":180,"text":11524,"spans":11542},[],[11544],{"type":180,"text":11545,"spans":11546},"No (Standard); 1.5% cashback on Metal",[],"table__4_columns_$4b1c8bc7-0a26-4fca-89a5-28752e40fcb4",{"primary":11549,"items":11554,"id":11555,"slice_type":7946,"slice_label":107},{"text":11550},[11551],{"type":180,"text":11552,"spans":11553},"Amaze is intentionally not in the table above. It is structurally different (it routes the cost through a linked credit card) and the only fair comparison is on a per-scenario basis, with the linked card's miles included. That is what section 7 does next.",[],[],"text$c4e873c1-9b70-4a3e-b6aa-684bd5c8749b",{"primary":11557,"items":11558,"id":11559,"slice_type":8012,"slice_label":107},{},[],"divider$884a2023-3fd0-45f0-8cd2-d35c4fbc1b7d",{"primary":11561,"items":11571,"id":11572,"slice_type":7946,"slice_label":107},{"text":11562},[11563,11565,11568],{"type":7951,"text":10988,"spans":11564},[],{"type":180,"text":11566,"spans":11567},"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":11569,"spans":11570},"Scenario A: $3,000 7-day Tokyo trip, all card spend, no ATM",[],[],"text$5a9253a3-6d3f-4283-a71e-7c57b27fef6f",{"primary":11574,"items":11579,"id":11644,"slice_type":8260,"slice_label":107},{"table_title":11575},[11576],{"type":171,"text":11577,"spans":11578},"$3,000 of JPY card spend, weekday transactions",[],[11580,11596,11607,11619,11631],{"col1":11581,"col2":11586,"col3":11591},[11582],{"type":180,"text":11583,"spans":11584},"Card",[11585],{"start":9,"end":8161,"type":3603},[11587],{"type":180,"text":11588,"spans":11589},"Total cost",[11590],{"start":9,"end":3601,"type":3603},[11592],{"type":180,"text":11593,"spans":11594},"Net after rewards",[11595],{"start":9,"end":3602,"type":3603},{"col1":11597,"col2":11600,"col3":11604},[11598],{"type":180,"text":11357,"spans":11599},[],[11601],{"type":180,"text":11602,"spans":11603},"$3,000.00",[],[11605],{"type":180,"text":11602,"spans":11606},[],{"col1":11608,"col2":11612,"col3":11616},[11609],{"type":180,"text":11610,"spans":11611},"Wise (JPY ~0.41%)",[],[11613],{"type":180,"text":11614,"spans":11615},"$3,012.30",[],[11617],{"type":180,"text":11614,"spans":11618},[],{"col1":11620,"col2":11624,"col3":11628},[11621],{"type":180,"text":11622,"spans":11623},"Revolut Standard (within S$5K limit)",[],[11625],{"type":180,"text":11626,"spans":11627},"$3,000.00 to $3,015.00",[],[11629],{"type":180,"text":11626,"spans":11630},[],{"col1":11632,"col2":11636,"col3":11640},[11633],{"type":180,"text":11634,"spans":11635},"Amaze + UOB PRVI Pacific (4 mpd)",[],[11637],{"type":180,"text":11638,"spans":11639},"$3,063.00 incl 2.1% spread",[],[11641],{"type":180,"text":11642,"spans":11643},"$2,883.00 (after $180 of miles)",[],"table3$68481825-f440-471a-bd50-eed8c22464a7",{"primary":11646,"items":11654,"id":11655,"slice_type":7946,"slice_label":107},{"text":11647},[11648,11651],{"type":180,"text":11649,"spans":11650},"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":11652,"spans":11653},"Scenario B: $500 weekend Bangkok trip with $200 cash withdrawal",[],[],"text$2185f6bf-3281-4948-b03b-8e1f132deb65",{"primary":11657,"items":11662,"id":11728,"slice_type":8260,"slice_label":107},{"table_title":11658},[11659],{"type":171,"text":11660,"spans":11661},"$500 spend + $200 ATM, with weekend transactions",[],[11663,11678,11690,11702,11715],{"col1":11664,"col2":11668,"col3":11673},[11665],{"type":180,"text":11583,"spans":11666},[11667],{"start":9,"end":8161,"type":3603},[11669],{"type":180,"text":11670,"spans":11671},"Card spend cost",[11672],{"start":9,"end":10455,"type":3603},[11674],{"type":180,"text":11675,"spans":11676},"ATM cost (excl. operator fee)",[11677],{"start":9,"end":11171,"type":3603},{"col1":11679,"col2":11682,"col3":11686},[11680],{"type":180,"text":11357,"spans":11681},[],[11683],{"type":180,"text":11684,"spans":11685},"$500.00",[],[11687],{"type":180,"text":11688,"spans":11689},"$0.00 (within S$400 free)",[],{"col1":11691,"col2":11694,"col3":11698},[11692],{"type":180,"text":11362,"spans":11693},[],[11695],{"type":180,"text":11696,"spans":11697},"~$502.00 (THB ~0.4%)",[],[11699],{"type":180,"text":11700,"spans":11701},"~$1.75 ($100 free, $100 at 1.75%)",[],{"col1":11703,"col2":11707,"col3":11711},[11704],{"type":180,"text":11705,"spans":11706},"Revolut Standard (with weekend FX)",[],[11708],{"type":180,"text":11709,"spans":11710},"~$505.00 to $510.00 (incl 1% weekend surcharge)",[],[11712],{"type":180,"text":11713,"spans":11714},"$0.00 (within S$350 free)",[],{"col1":11716,"col2":11720,"col3":11724},[11717],{"type":180,"text":11718,"spans":11719},"Amaze + 4 mpd card",[],[11721],{"type":180,"text":11722,"spans":11723},"~$510.50 (2.1% spread); earns ~$30 miles",[],[11725],{"type":180,"text":11726,"spans":11727},"$4.00 (2% on $200)",[],"table3$bc19f64a-ee66-4b5c-87c3-8917b04ae6e5",{"primary":11730,"items":11738,"id":11739,"slice_type":7946,"slice_label":107},{"text":11731},[11732,11735],{"type":180,"text":11733,"spans":11734},"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":11736,"spans":11737},"Scenario C: $1,200/year of recurring USD subscriptions (Apple One, Netflix, OpenAI, etc.)",[],[],"text$1fc5af35-6ce6-4b4c-8b42-a70f08144e44",{"primary":11741,"items":11746,"id":11808,"slice_type":8260,"slice_label":107},{"table_title":11742},[11743],{"type":171,"text":11744,"spans":11745},"$1,200 of recurring USD subscription spend across 12 months",[],[11747,11761,11772,11784,11796],{"col1":11748,"col2":11752,"col3":11757},[11749],{"type":180,"text":11583,"spans":11750},[11751],{"start":9,"end":8161,"type":3603},[11753],{"type":180,"text":11754,"spans":11755},"Annual FX cost",[11756],{"start":9,"end":5511,"type":3603},[11758],{"type":180,"text":8169,"spans":11759},[11760],{"start":9,"end":8172,"type":3603},{"col1":11762,"col2":11765,"col3":11768},[11763],{"type":180,"text":11357,"spans":11764},[],[11766],{"type":180,"text":8180,"spans":11767},[],[11769],{"type":180,"text":11770,"spans":11771},"Pre-load USD wallet, no markup",[],{"col1":11773,"col2":11776,"col3":11780},[11774],{"type":180,"text":11362,"spans":11775},[],[11777],{"type":180,"text":11778,"spans":11779},"$3.00 (0.25% on USD)",[],[11781],{"type":180,"text":11782,"spans":11783},"Cheapest pure-cost option after YouTrip",[],{"col1":11785,"col2":11788,"col3":11792},[11786],{"type":180,"text":11367,"spans":11787},[],[11789],{"type":180,"text":11790,"spans":11791},"$0 to $24",[],[11793],{"type":180,"text":11794,"spans":11795},"Free if all bills hit on weekdays; 1% weekend surcharge if any bill cycles fall on a weekend",[],{"col1":11797,"col2":11800,"col3":11804},[11798],{"type":180,"text":11718,"spans":11799},[],[11801],{"type":180,"text":11802,"spans":11803},"$25.20 (2.1% spread); $72 in miles",[],[11805],{"type":180,"text":11806,"spans":11807},"Net $46.80 positive, but only if MCC qualifies",[],"table3$8427e87b-d3c6-41d4-8065-39b288ee407a",{"primary":11810,"items":11815,"id":11816,"slice_type":7946,"slice_label":107},{"text":11811},[11812],{"type":180,"text":11813,"spans":11814},"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$53f845b1-7412-4317-b805-1cdaa57287b8",{"primary":11818,"items":11819,"id":11820,"slice_type":8012,"slice_label":107},{},[],"divider$c3e0d3d5-af0b-4c4c-a08f-0743a869445d",{"primary":11822,"items":11865,"id":11866,"slice_type":7946,"slice_label":107},{"text":11823},[11824,11826,11829,11833,11837,11841,11845,11849,11854,11857],{"type":7951,"text":10995,"spans":11825},[],{"type":180,"text":11827,"spans":11828},"Skip the \"best card overall\" framing. Match the card to your actual travel pattern.",[],{"type":4229,"text":11830,"spans":11831},"Occasional traveler ($2K-$5K/year overseas spend, 1-2 trips) - YouTrip. The simplicity and zero markup beats every alternative on cost-per-decision.",[11832],{"start":9,"end":9573,"type":3603},{"type":4229,"text":11834,"spans":11835},"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.",[11836],{"start":9,"end":8041,"type":3603},{"type":4229,"text":11838,"spans":11839},"Long-stay or expat with multi-currency income - Wise. Holding balances in real currencies and converting at mid-market is the only proper answer.",[11840],{"start":9,"end":8397,"type":3603},{"type":4229,"text":11842,"spans":11843},"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.",[11844],{"start":9,"end":7315,"type":3603},{"type":4229,"text":11846,"spans":11847},"Recurring USD subscriptions only - YouTrip with a one-time annual USD top-up when the SGD looks strong. Free, predictable, no MCC risk.",[11848],{"start":9,"end":8595,"type":3603},{"type":4229,"text":11850,"spans":11851},"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.",[11852],{"start":9,"end":11853,"type":3603},66,{"type":180,"text":11855,"spans":11856},"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":11858,"spans":11859},"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.",[11860],{"start":11861,"end":11862,"type":5402,"data":11863},232,289,{"link_type":69,"url":11864},"https://divedeals.sg/blog/jb-day-trip-deals-save-money-johor-bahru",[],"text$5db604f5-ecec-4b48-8144-1875dbd9febe",{"id":11868,"uid":11869,"url":107,"type":7846,"href":11870,"tags":11871,"first_publication_date":11872,"last_publication_date":11873,"slugs":11874,"linked_documents":11876,"lang":115,"alternate_languages":11877,"data":11878},"afhzABAAABH-X0jg","how-to-use-climate-vouchers-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afhzABAAABH-X0jg%22%29+%5D%5D",[8847,8848,7851],"2026-05-04T10:30:11+0000","2026-05-04T13:51:58+0000",[11875],"climate-vouchers-singapore-how-to-use-your-400-before-december-2027-and-stack-it-for-maximum-value",[],[],{"title":11879,"seo_title":11883,"seo_meta_description":11887,"featured":16,"expired":16,"noindex":16,"cover_image":11891,"date":11899,"author_link":11900,"body":11903},[11880],{"type":120,"text":11881,"spans":11882,"direction":123},"Climate Vouchers Singapore: How to Use Your $400 Before December 2027 (And Stack It for Maximum Value)",[],[11884],{"type":120,"text":11885,"spans":11886,"direction":123},"Climate Vouchers Singapore: How to Use $400 (2026 Guide)",[],[11888],{"type":120,"text":11889,"spans":11890,"direction":123},"How to use your $400 Climate Vouchers in Singapore: eligible products, where to spend, the no-change gotcha, and how to stack it with credit card promos for max value.",[],{"dimensions":11892,"alt":11895,"copyright":107,"url":11896,"id":11897,"edit":11898},{"width":11893,"height":11894},1921,721,"climate vouchers singapore 2026","https://images.prismic.io/dive/afhz6sBOoF08xkhY_NEA_CFHP_Web_Banner.jpg?auto=format,compress","afhz6sBOoF08xkhY",{"x":9,"y":9,"zoom":5194,"background":5195},"2026-05-04",{"id":7880,"type":7881,"tags":11901,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":11902,"isBroken":16},[],"efd705a0-b2e5-4e2b-821f-9984ade1f91a",[11904,11922,11984,11988,12035,12039,12049,12118,12141,12145,12155,12277,12319,12323,12367,12371,12424,12428,12461,12465,12557,12561,12666,12670,12674,12792,12823],{"primary":11905,"items":11920,"id":11921,"slice_type":7946,"slice_label":107},{"text":11906},[11907,11910,11913],{"type":180,"text":11908,"spans":11909,"direction":123},"There’s $400 sitting in your Singpass right now. It’s called the Climate Voucher, and most Singaporean households haven’t fully spent it.",[],{"type":180,"text":11911,"spans":11912,"direction":123},"Here’s the awkward part: it expires on 31 December 2027. That feels far. But the way the voucher works - no change given, no rollover - means most households are quietly leaving $50 to $100 on the table even when they do redeem.",[],{"type":180,"text":11914,"spans":11915,"direction":123},"This guide covers what the Climate Voucher actually is, who qualifies, the 12 eligible product categories, the participating retailers, and the stacking strategy that turns $400 of voucher into $500-$700 of real savings. All eligibility, products, and pricing are pulled from the official Climate Friendly Households portal.",[11916],{"start":11917,"end":10861,"type":5402,"data":11918},280,{"link_type":69,"url":11919,"target":186},"https://www.climate-friendly-households.gov.sg/",[],"text$8e975e08-5a17-40f1-9a51-fd46d93320b7",{"primary":11923,"items":11982,"id":11983,"slice_type":7946,"slice_label":107},{"text":11924},[11925,11927,11933,11939,11945,11951,11957,11963,11969,11975],{"type":7951,"text":7952,"spans":11926,"direction":123},[],{"type":180,"text":11928,"spans":11929,"direction":123},"1. What the Climate Voucher actually is",[11930],{"start":9,"end":10984,"type":5402,"data":11931},{"link_type":69,"url":11932,"target":186},"#1-what-the-climate-voucher-actually-is",{"type":180,"text":11934,"spans":11935,"direction":123},"2. Who is eligible (HDB, private, PRs)",[11936],{"start":9,"end":9417,"type":5402,"data":11937},{"link_type":69,"url":11938,"target":186},"#2-who-is-eligible-hdb-private-prs-",{"type":180,"text":11940,"spans":11941,"direction":123},"3. The 12 eligible product categories",[11942],{"start":9,"end":7315,"type":5402,"data":11943},{"link_type":69,"url":11944,"target":186},"#3-the-12-eligible-product-categories",{"type":180,"text":11946,"spans":11947,"direction":123},"4. Participating retailers",[11948],{"start":9,"end":9371,"type":5402,"data":11949},{"link_type":69,"url":11950,"target":186},"#4-participating-retailers",{"type":180,"text":11952,"spans":11953,"direction":123},"5. How to redeem step by step",[11954],{"start":9,"end":11171,"type":5402,"data":11955},{"link_type":69,"url":11956,"target":186},"#5-how-to-redeem-step-by-step",{"type":180,"text":11958,"spans":11959,"direction":123},"6. The \"no change\" gotcha that costs people money",[11960],{"start":9,"end":8600,"type":5402,"data":11961},{"link_type":69,"url":11962,"target":186},"#6-the-no-change-gotcha-that-costs-people-money",{"type":180,"text":11964,"spans":11965,"direction":123},"7. Stacking with credit card promos for maximum value",[11966],{"start":9,"end":9571,"type":5402,"data":11967},{"link_type":69,"url":11968,"target":186},"#7-stacking-with-credit-card-promos-for-maximum-value",{"type":180,"text":11970,"spans":11971,"direction":123},"8. Three worked examples that show the math",[11972],{"start":9,"end":5453,"type":5402,"data":11973},{"link_type":69,"url":11974,"target":186},"#8-three-worked-examples-that-show-the-math",{"type":180,"text":11976,"spans":11977},"9. What to buy with your Climate Voucher (by category)",[11978],{"start":9,"end":11979,"type":5402,"data":11980},54,{"link_type":69,"url":11981},"#9-what-to-buy-with-your-climate-voucher-by-category-",[],"text$4b208eca-19ce-4049-9a23-cf6ddd66952c",{"primary":11985,"items":11986,"id":11987,"slice_type":8012,"slice_label":107},{},[],"divider$2def25df-9027-4ad2-8310-0ef377e0e793",{"primary":11989,"items":12033,"id":12034,"slice_type":7946,"slice_label":107},{"text":11990},[11991,11993,11996,11999,12003,12007,12011,12015,12019,12027,12030],{"type":7951,"text":11928,"spans":11992},[],{"type":180,"text":11994,"spans":11995},"The Climate Voucher is a government scheme run by NEA under the Climate Friendly Households Programme. Each eligible household gets $400 in vouchers to spend on energy-efficient and water-efficient products at participating retailers.",[],{"type":180,"text":11997,"spans":11998},"The basics:",[],{"type":4229,"text":12000,"spans":12001},"Total value - $400 per household ($300 + $100, two separate sets)",[12002],{"start":9,"end":5452,"type":3603},{"type":4229,"text":12004,"spans":12005},"Denominations - $2, $5, $10, and $50 - you choose how to split each transaction",[12006],{"start":9,"end":5703,"type":3603},{"type":4229,"text":12008,"spans":12009},"Where to claim - go.gov.sg/climatevouchers (Singpass login required)",[12010],{"start":9,"end":5511,"type":3603},{"type":4229,"text":12012,"spans":12013},"Expires - 31 December 2027",[12014],{"start":9,"end":9861,"type":3603},{"type":4229,"text":12016,"spans":12017},"Per household, not per person - one set per registered HDB/private address",[12018],{"start":9,"end":11171,"type":3603},{"type":180,"text":12020,"spans":12021},"The $300 portion launched in April 2024. The additional $100 was added in April 2025. If you only claimed $300, you can still claim the extra $100 now. Full details on the official terms page.",[12022],{"start":12023,"end":12024,"type":5402,"data":12025},172,191,{"link_type":69,"url":12026},"https://www.climate-friendly-households.gov.sg/terms-cv/",{"type":171,"text":12028,"spans":12029},"Why the government is giving you this",[],{"type":180,"text":12031,"spans":12032},"Energy-efficient appliances cost more upfront but save you money on utility bills over years. NEA wants to push household adoption. The voucher is the carrot. Whether you care about the environmental angle or not, the practical reality is: $400 is real money sitting in your account.",[],[],"text$0af48a37-f443-459d-b568-8a39b6565067",{"primary":12036,"items":12037,"id":12038,"slice_type":8012,"slice_label":107},{},[],"divider$14fedd99-bd02-48e7-ad0a-278f2454d50d",{"primary":12040,"items":12047,"id":12048,"slice_type":7946,"slice_label":107},{"text":12041},[12042,12044],{"type":7951,"text":11934,"spans":12043},[],{"type":180,"text":12045,"spans":12046},"This is where most people get tripped up. The eligibility rules differ for HDB vs private property, and the PR rules are different from the Citizen rules.",[],[],"text$3f6b1dde-0f54-43d4-9d8e-da7cfd43f24d",{"primary":12050,"items":12055,"id":12117,"slice_type":8122,"slice_label":107},{"table_title":12051},[12052],{"type":171,"text":12053,"spans":12054},"Climate Voucher eligibility",[],[12056,12065,12074,12082,12091,12100,12108],{"col1":12057,"col2":12061},[12058],{"type":180,"text":12059,"spans":12060},"Who you are",[],[12062],{"type":180,"text":12063,"spans":12064},"Eligible?",[],{"col1":12066,"col2":12070},[12067],{"type":180,"text":12068,"spans":12069},"Singapore Citizen in HDB",[],[12071],{"type":180,"text":12072,"spans":12073},"Yes - full $400",[],{"col1":12075,"col2":12079},[12076],{"type":180,"text":12077,"spans":12078},"Singapore PR in HDB",[],[12080],{"type":180,"text":12072,"spans":12081},[],{"col1":12083,"col2":12087},[12084],{"type":180,"text":12085,"spans":12086},"Singapore Citizen in private property",[],[12088],{"type":180,"text":12089,"spans":12090},"Yes - eligible from April 2025",[],{"col1":12092,"col2":12096},[12093],{"type":180,"text":12094,"spans":12095},"Singapore PR in private property",[],[12097],{"type":180,"text":12098,"spans":12099},"No - Citizens only for private",[],{"col1":12101,"col2":12105},[12102],{"type":180,"text":12103,"spans":12104},"Foreigner / work pass holder",[],[12106],{"type":180,"text":11524,"spans":12107},[],{"col1":12109,"col2":12113},[12110],{"type":180,"text":12111,"spans":12112},"HDB renter",[],[12114],{"type":180,"text":12115,"spans":12116},"Conditional - must be registered at the address",[],"table$4f7afbf7-bd19-41b7-87f3-2bdb0803383d",{"primary":12119,"items":12139,"id":12140,"slice_type":7946,"slice_label":107},{"text":12120},[12121,12124,12130,12133,12136],{"type":171,"text":12122,"spans":12123},"The \"previous owner claimed it\" trap",[],{"type":180,"text":12125,"spans":12126},"The voucher is tied to the address, not the person. If you bought a resale HDB flat and the previous owner already claimed the voucher for that address, you cannot claim it again for this programme period. This is one of the biggest sources of confusion in the FAQ.",[12127],{"start":6624,"end":6666,"type":5402,"data":12128},{"link_type":69,"url":12129},"https://www.climate-friendly-households.gov.sg/cv-faqs/",{"type":180,"text":12131,"spans":12132},"Before you assume your $400 is waiting, log in to go.gov.sg/climatevouchers and check your balance. If it shows $0 and you’re an HDB resident, the previous owner likely claimed it.",[],{"type":171,"text":12134,"spans":12135},"Multiple families at one address",[],{"type":180,"text":12137,"spans":12138},"If two families share a single registered address, you’re collectively entitled to ONE set of vouchers, not two. This is explicitly footnoted on every page of the official site.",[],[],"text$6e0d09f1-f9a1-4d33-ab6b-d45eab637d4b",{"primary":12142,"items":12143,"id":12144,"slice_type":8012,"slice_label":107},{},[],"divider$aa44c9f8-335f-495b-87ed-a59644efaadf",{"primary":12146,"items":12153,"id":12154,"slice_type":7946,"slice_label":107},{"text":12147},[12148,12150],{"type":7951,"text":11940,"spans":12149},[],{"type":180,"text":12151,"spans":12152},"The voucher only works on 12 specific product categories. Some are obvious. Some are surprising. And critically, several common appliances - including TVs - are NOT eligible.",[],[],"text$ccccc939-97ad-4964-a039-6cade8f1af40",{"primary":12156,"items":12161,"id":12276,"slice_type":8122,"slice_label":107},{"table_title":12157},[12158],{"type":171,"text":12159,"spans":12160},"Eligible product categories (April 2026)",[],[12162,12171,12180,12189,12198,12207,12216,12225,12234,12243,12252,12260,12268],{"col1":12163,"col2":12167},[12164],{"type":180,"text":12165,"spans":12166},"Category",[],[12168],{"type":180,"text":12169,"spans":12170},"Minimum requirement",[],{"col1":12172,"col2":12176},[12173],{"type":180,"text":12174,"spans":12175},"Air-conditioners",[],[12177],{"type":180,"text":12178,"spans":12179},"5-tick energy rating",[],{"col1":12181,"col2":12185},[12182],{"type":180,"text":12183,"spans":12184},"Refrigerators",[],[12186],{"type":180,"text":12187,"spans":12188},"3-tick and above",[],{"col1":12190,"col2":12194},[12191],{"type":180,"text":12192,"spans":12193},"Washing machines",[],[12195],{"type":180,"text":12196,"spans":12197},"4-tick water rating (WELS)",[],{"col1":12199,"col2":12203},[12200],{"type":180,"text":12201,"spans":12202},"Clothes dryers",[],[12204],{"type":180,"text":12205,"spans":12206},"5-tick (heat pump only) - new from Apr 2026",[],{"col1":12208,"col2":12212},[12209],{"type":180,"text":12210,"spans":12211},"Direct Current (DC) fans",[],[12213],{"type":180,"text":12214,"spans":12215},"DC motor only - regular AC fans excluded",[],{"col1":12217,"col2":12221},[12218],{"type":180,"text":12219,"spans":12220},"Induction stoves",[],[12222],{"type":180,"text":12223,"spans":12224},"Induction-only - new from Apr 2026",[],{"col1":12226,"col2":12230},[12227],{"type":180,"text":12228,"spans":12229},"LED lights",[],[12231],{"type":180,"text":12232,"spans":12233},"2-tick and above",[],{"col1":12235,"col2":12239},[12236],{"type":180,"text":12237,"spans":12238},"Water heaters",[],[12240],{"type":180,"text":12241,"spans":12242},"5-tick - changed from lower from Apr 2026",[],{"col1":12244,"col2":12248},[12245],{"type":180,"text":12246,"spans":12247},"Water closets",[],[12249],{"type":180,"text":12250,"spans":12251},"3-tick water rating",[],{"col1":12253,"col2":12257},[12254],{"type":180,"text":12255,"spans":12256},"Basin taps and mixers",[],[12258],{"type":180,"text":12250,"spans":12259},[],{"col1":12261,"col2":12265},[12262],{"type":180,"text":12263,"spans":12264},"Shower fittings",[],[12266],{"type":180,"text":12250,"spans":12267},[],{"col1":12269,"col2":12273},[12270],{"type":180,"text":12271,"spans":12272},"Sink/bib taps and mixers",[],[12274],{"type":180,"text":12250,"spans":12275},[],"table$332d73ae-6465-4b21-b990-d2fb2e674809",{"primary":12278,"items":12317,"id":12318,"slice_type":7946,"slice_label":107},{"text":12279},[12280,12283,12286,12291,12295,12299,12303,12307,12311],{"type":171,"text":12281,"spans":12282},"What is NOT eligible",[],{"type":180,"text":12284,"spans":12285},"The most common questions in the autocomplete data are about products that don’t qualify:",[],{"type":4229,"text":12287,"spans":12288},"TVs - not on the eligible list at all",[12289],{"start":9,"end":12290,"type":3603},3,{"type":4229,"text":12292,"spans":12293},"Regular fans (AC motor) - only DC fans count",[12294],{"start":9,"end":7475,"type":3603},{"type":4229,"text":12296,"spans":12297},"Wine fridges - not in the official refrigerator category",[12298],{"start":9,"end":7014,"type":3603},{"type":4229,"text":12300,"spans":12301},"Most portable and window air-conditioners - almost none meet the 5-tick requirement",[12302],{"start":9,"end":10991,"type":3603},{"type":4229,"text":12304,"spans":12305},"Aircon servicing or repair - product purchases only",[12306],{"start":9,"end":9371,"type":3603},{"type":4229,"text":12308,"spans":12309},"Lower-tick water heaters - now requires 5-tick from April 2026",[12310],{"start":9,"end":6267,"type":3603},{"type":180,"text":12312,"spans":12313},"Always check the live eligible products list on the official portal before buying. Retailers also flag eligible products with a Climate Voucher logo on their site.",[12314],{"start":3602,"end":8951,"type":5402,"data":12315},{"link_type":69,"url":12316},"https://www.climate-friendly-households.gov.sg/cv-products/",[],"text$fb1b0e95-5a73-48c5-83a9-367a38f051e9",{"primary":12320,"items":12321,"id":12322,"slice_type":8012,"slice_label":107},{},[],"divider$819db71e-6ae7-4be1-a7dc-8524180c9f1f",{"primary":12324,"items":12365,"id":12366,"slice_type":7946,"slice_label":107},{"text":12325},[12326,12328,12331,12335,12339,12343,12347,12350,12356,12359,12362],{"type":7951,"text":11946,"spans":12327},[],{"type":180,"text":12329,"spans":12330},"You can only spend the voucher at participating retailers. The list runs to dozens of stores, but the four major appliance chains cover almost every category:",[],{"type":4229,"text":12332,"spans":12333},"Gain City - in-store and online (online balance must be paid via PayNow only)",[12334],{"start":9,"end":8078,"type":3603},{"type":4229,"text":12336,"spans":12337},"Best Denki - in-store, decent online listings",[12338],{"start":9,"end":3601,"type":3603},{"type":4229,"text":12340,"spans":12341},"Courts - in-store and online",[12342],{"start":9,"end":8609,"type":3603},{"type":4229,"text":12344,"spans":12345},"Harvey Norman - in-store and online",[12346],{"start":9,"end":5703,"type":3603},{"type":180,"text":12348,"spans":12349},"Smaller participating retailers include Mega Discount Store, Audio House, Hisense, FairPrice (selected stores), and various heartland appliance shops. The full official list is updated quarterly.",[],{"type":180,"text":12351,"spans":12352},"For the complete current list of participating retailers, the official Where to Spend page links to a downloadable PDF that NEA updates every quarter.",[12353],{"start":9593,"end":10883,"type":5402,"data":12354},{"link_type":69,"url":12355},"https://www.climate-friendly-households.gov.sg/cv-spend/",{"type":171,"text":12357,"spans":12358},"Online vs in-store: the credit card stacking issue",[],{"type":180,"text":12360,"spans":12361},"Here’s a detail almost nobody talks about. Gain City’s online voucher redemption requires the balance to be paid via PayNow only - no credit card. So if you want to earn cashback or miles on the remainder, you have to buy in-store, where credit cards work for the balance.",[],{"type":180,"text":12363,"spans":12364},"Other retailers vary, but the pattern repeats. If maximising rewards matters to you, plan to redeem in-store and pay the difference by card.",[],[],"text$28b3c94c-258b-401a-8b80-aa7800995b8d",{"primary":12368,"items":12369,"id":12370,"slice_type":8012,"slice_label":107},{},[],"divider$a09860cf-3663-427b-ae94-71ae62b0a5ec",{"primary":12372,"items":12422,"id":12423,"slice_type":7946,"slice_label":107},{"text":12373},[12374,12376,12379,12382,12385,12388,12391,12394,12397,12400,12403,12410,12413,12416,12419],{"type":7951,"text":11952,"spans":12375},[],{"type":180,"text":12377,"spans":12378},"The mechanic is straightforward but easy to get wrong on your first attempt:",[],{"type":9410,"text":12380,"spans":12381},"Log in at go.gov.sg/climatevouchers with Singpass.",[],{"type":9410,"text":12383,"spans":12384},"Confirm your $300 + $100 balance (or $400 total).",[],{"type":9410,"text":12386,"spans":12387},"Browse eligible products at a participating retailer’s website. Look for the Climate Voucher logo.",[],{"type":9410,"text":12389,"spans":12390},"Decide whether you’re buying in-store or online. (In-store wins for credit card stacking.)",[],{"type":9410,"text":12392,"spans":12393},"Bring your NRIC or a recent utilities bill - retailers must verify the address matches the voucher.",[],{"type":9410,"text":12395,"spans":12396},"At checkout, open the voucher link in the gov.sg SMS. Choose the denomination amount you want to spend.",[],{"type":9410,"text":12398,"spans":12399},"Tap \"Show voucher\" and let the cashier scan the QR code.",[],{"type":9410,"text":12401,"spans":12402},"Pay the remaining balance by credit card, PayNow, or cash.",[],{"type":180,"text":12404,"spans":12405},"The full official redemption walkthrough is on the claim and spend guide page.",[12406],{"start":5401,"end":12407,"type":5402,"data":12408},77,{"link_type":69,"url":12409},"https://www.climate-friendly-households.gov.sg/claim-spend-eng/",{"type":171,"text":12411,"spans":12412},"Splitting across multiple purchases",[],{"type":180,"text":12414,"spans":12415},"You don’t have to spend all $400 in one shot. The voucher is divisible. Spend $200 on a fridge today, $150 on a washer next month, $50 on LED lights when one of your bulbs blows. The denominations are $2, $5, $10, and $50 - you pick which combo to redeem each time.",[],{"type":171,"text":12417,"spans":12418},"If you don’t have Singpass",[],{"type":180,"text":12420,"spans":12421},"Singpass is required to claim. For elderly relatives without Singpass, the easiest workaround is to visit a Community Centre - staff will help with the claim. One household member can claim on behalf of the entire household, but only one set of vouchers is issued per address.",[],[],"text$3e520b75-fb75-42b7-928a-060a241ec213",{"primary":12425,"items":12426,"id":12427,"slice_type":8012,"slice_label":107},{},[],"divider$0f727ab1-7642-435b-91ef-900cc70594e2",{"primary":12429,"items":12459,"id":12460,"slice_type":7946,"slice_label":107},{"text":12430},[12431,12433,12436,12439,12442,12445,12448,12452,12456],{"type":7951,"text":11958,"spans":12432},[],{"type":180,"text":12434,"spans":12435},"This is the single biggest mistake households make.",[],{"type":180,"text":12437,"spans":12438},"The vouchers don’t give change. If you redeem $400 of voucher on a $350 item, you LOSE $50. The retailer doesn’t refund it. NEA doesn’t credit it back. It’s gone.",[],{"type":180,"text":12440,"spans":12441},"Why this happens: people see \"$300 + $100 = $400 free money\" and rush to spend it on the first $350 item that catches their eye. They’d be better off buying a $400+ item and topping up the difference, or splitting the voucher across two purchases.",[],{"type":171,"text":12443,"spans":12444},"How to avoid it",[],{"type":180,"text":12446,"spans":12447},"Two strategies:",[],{"type":4229,"text":12449,"spans":12450},"Match-or-exceed - pick a product that costs at least $400. Use the full voucher, top up the small remainder with your card.",[12451],{"start":9,"end":10455,"type":3603},{"type":4229,"text":12453,"spans":12454},"Split smart - split the voucher across multiple purchases. A $300 fridge plus $100 of LED lights uses every dollar.",[12455],{"start":9,"end":5452,"type":3603},{"type":180,"text":12457,"spans":12458},"Either approach beats the \"spend $350, lose $50\" trap. The \"no change\" rule is in T&C Clause 8 - the small print most people don’t read.",[],[],"text$289d06c0-3d25-4af3-b024-29ae66ce902c",{"primary":12462,"items":12463,"id":12464,"slice_type":8012,"slice_label":107},{},[],"divider$1da8a1a0-17d6-4711-8530-e6df3cc3b179",{"primary":12466,"items":12555,"id":12556,"slice_type":7946,"slice_label":107},{"text":12467},[12468,12470,12473,12476,12479,12482,12485,12488,12491,12494,12498,12502,12506,12510,12528,12531,12534,12537,12540,12543,12547,12551],{"type":7951,"text":11964,"spans":12469,"direction":123},[],{"type":180,"text":12471,"spans":12472,"direction":123},"Here’s where Climate Voucher math gets interesting. The voucher itself only saves you $400. But stacked with credit card cashback, retailer promotions, and your legal rights under the Resource Sustainability Act, the real savings reach $500-$700+.",[],{"type":171,"text":12474,"spans":12475,"direction":123},"Layer 1: Climate Voucher ($400)",[],{"type":180,"text":12477,"spans":12478,"direction":123},"The base discount. Always apply this first.",[],{"type":171,"text":12480,"spans":12481,"direction":123},"Layer 2: Credit card on the balance (1-5% extra)",[],{"type":180,"text":12483,"spans":12484,"direction":123},"Pay the remaining balance by credit card in-store. Most cashback cards give 1-2% on general spend, with some online-focused cards offering up to 5% on online appliance purchases (where the retailer accepts cards online).",[],{"type":180,"text":12486,"spans":12487,"direction":123},"Note: many cashback cards exclude government voucher amounts from their qualifying spend, but since the card only charges the BALANCE, the cashback applies to whatever you pay by card.",[],{"type":171,"text":12489,"spans":12490,"direction":123},"Layer 3: Retailer promotions (5-15% off list)",[],{"type":180,"text":12492,"spans":12493,"direction":123},"Major retailers run rolling promotions that stack on top of the voucher:",[],{"type":4229,"text":12495,"spans":12496,"direction":123},"Gain City SKM Anniversary Sale - currently 11% off many climate-eligible items",[12497],{"start":9,"end":5512,"type":3603},{"type":4229,"text":12499,"spans":12500,"direction":123},"Courts Power Days - periodic 10-15% off appliances",[12501],{"start":9,"end":3602,"type":3603},{"type":4229,"text":12503,"spans":12504,"direction":123},"Best Denki Member Days - extra discounts for members (free signup)",[12505],{"start":9,"end":8084,"type":3603},{"type":4229,"text":12507,"spans":12508,"direction":123},"Bundle deals - fridge + washer combos save $100-200 vs buying separately",[12509],{"start":9,"end":7014,"type":3603},{"type":180,"text":12511,"spans":12512,"direction":123},"Always check the retailer’s current promo page before going in. Gain City and Courts publish weekly. Live links: Gain City climate voucher list, Courts climate vouchers, Best Denki climate voucher.",[12513,12518,12523],{"start":12514,"end":12515,"type":5402,"data":12516},113,143,{"link_type":69,"url":12517,"target":186},"https://www.gaincity.com/climate-voucher-eligible-appliances",{"start":12519,"end":12520,"type":5402,"data":12521},145,168,{"link_type":69,"url":12522,"target":186},"https://www.courts.com.sg/climate-vouchers",{"start":12524,"end":12525,"type":5402,"data":12526},170,196,{"link_type":69,"url":12527,"target":186},"https://www.bestdenki.com.sg/climate-voucher",{"type":171,"text":12529,"spans":12530,"direction":123},"Layer 4: Free old-appliance disposal (worth $30-100)",[],{"type":180,"text":12532,"spans":12533,"direction":123},"Most people don’t know this. Under the Resource Sustainability Act, retailers MUST take your old fridge, aircon, or washing machine for free disposal when you buy a replacement of the same type. They cannot charge for this. Yet many households still pay $30-100 for separate karang guni or disposal services.",[],{"type":180,"text":12535,"spans":12536,"direction":123},"When buying any large appliance, ask explicitly: \"Free disposal of my old one, right?\" The answer is yes. Don’t pay for what’s already your right.",[],{"type":171,"text":12538,"spans":12539,"direction":123},"What does NOT stack",[],{"type":180,"text":12541,"spans":12542,"direction":123},"A few combinations don’t work:",[],{"type":4229,"text":12544,"spans":12545,"direction":123},"CDC Vouchers - separate ecosystem - heartland merchants and supermarkets only, not appliance chains",[12546],{"start":9,"end":7014,"type":3603},{"type":4229,"text":12548,"spans":12549,"direction":123},"SG60 LifeSG Credits - distributed in 2025, very limited overlap with appliance retailers",[12550],{"start":9,"end":7423,"type":3603},{"type":4229,"text":12552,"spans":12553,"direction":123},"Two Climate Vouchers - one set per address, no double-claiming",[12554],{"start":9,"end":10614,"type":3603},[],"text$97c2bf14-9e5a-48b9-93d8-87acad5dfae5",{"primary":12558,"items":12559,"id":12560,"slice_type":8012,"slice_label":107},{},[],"divider$f822fe41-c32a-4939-ba58-5d4ef2fb6171",{"primary":12562,"items":12664,"id":12665,"slice_type":7946,"slice_label":107},{"text":12563},[12564,12566,12569,12572,12575,12579,12583,12587,12590,12593,12596,12600,12604,12608,12612,12616,12620,12624,12627,12630,12634,12637,12641,12645,12649,12653,12657,12661],{"type":7951,"text":11970,"spans":12565},[],{"type":180,"text":12567,"spans":12568},"Three real scenarios using current Gain City listings (May 2026). The math:",[],{"type":171,"text":12570,"spans":12571},"Example 1: Free entry-level fridge",[],{"type":180,"text":12573,"spans":12574},"For a small household, rental, or secondary unit:",[],{"type":4229,"text":12576,"spans":12577},"Midea Bar Fridge 47L (3-tick) - $199",[12578],{"start":9,"end":11171,"type":3603},{"type":4229,"text":12580,"spans":12581},"Climate Voucher applied - -$200 (closest denomination)",[12582],{"start":9,"end":7475,"type":3603},{"type":4229,"text":12584,"spans":12585},"Out of pocket - $0",[12586],{"start":9,"end":5703,"type":3603},{"type":180,"text":12588,"spans":12589},"You lose $1 of voucher value, but you walk out with a free fridge. Remaining voucher: $200 for next purchase.",[],{"type":171,"text":12591,"spans":12592},"Example 2: Mid-range washing machine",[],{"type":180,"text":12594,"spans":12595},"A practical household upgrade:",[],{"type":4229,"text":12597,"spans":12598},"Toshiba Front Load Washer 8.5kg (4-tick) - $609 (U.P. $849)",[12599],{"start":9,"end":7433,"type":3603},{"type":4229,"text":12601,"spans":12602},"Climate Voucher - -$400",[12603],{"start":9,"end":10455,"type":3603},{"type":4229,"text":12605,"spans":12606},"Balance paid by card (2% cashback) - -$4",[12607],{"start":9,"end":9366,"type":3603},{"type":4229,"text":12609,"spans":12610},"Free delivery (above $180 order) - $0",[12611],{"start":9,"end":8595,"type":3603},{"type":4229,"text":12613,"spans":12614},"Free disposal of old washer - $0",[12615],{"start":9,"end":8585,"type":3603},{"type":4229,"text":12617,"spans":12618},"Out of pocket - $205",[12619],{"start":9,"end":5703,"type":3603},{"type":4229,"text":12621,"spans":12622},"Total saved vs U.P. - $644",[12623],{"start":9,"end":7423,"type":3603},{"type":171,"text":12625,"spans":12626},"Example 3: 5-tick System 1 aircon (the premium play)",[],{"type":180,"text":12628,"spans":12629},"Bigger ticket, bigger absolute savings:",[],{"type":4229,"text":12631,"spans":12632},"Mitsubishi System 1 Aircon (5-tick) - $1,249 (U.P. $1,498.80)",[12633],{"start":9,"end":5400,"type":3603},{"type":4229,"text":12601,"spans":12635},[12636],{"start":9,"end":10455,"type":3603},{"type":4229,"text":12638,"spans":12639},"Balance paid by card (2% cashback) - -$17",[12640],{"start":9,"end":9366,"type":3603},{"type":4229,"text":12642,"spans":12643},"Free disposal of old aircon - $0",[12644],{"start":9,"end":8585,"type":3603},{"type":4229,"text":12646,"spans":12647},"Free gift included - varies",[12648],{"start":9,"end":8590,"type":3603},{"type":4229,"text":12650,"spans":12651},"Installation (separate cost) - +$200-400",[12652],{"start":9,"end":9715,"type":3603},{"type":4229,"text":12654,"spans":12655},"Out of pocket - $1,032-$1,232 incl. installation",[12656],{"start":9,"end":5703,"type":3603},{"type":4229,"text":12658,"spans":12659},"Total saved vs U.P. - ~$650",[12660],{"start":9,"end":7423,"type":3603},{"type":180,"text":12662,"spans":12663},"A note on aircon: the 5-tick rating requirement is strict. Most cheap aircons don’t qualify. Installation isn’t covered by the voucher and can wipe out a chunk of the savings if you’re not careful.",[],[],"text$19143839-afe1-4b5a-b62a-97b58a26353e",{"primary":12667,"items":12668,"id":12669,"slice_type":8012,"slice_label":107},{},[],"divider$d570c554-d02e-4c66-8d22-1ae95bd2cfe8",{"primary":12671,"items":12672,"id":12673,"slice_type":8012,"slice_label":107},{},[],"divider$c402ea82-87c0-4e49-88fc-c5d35a5f9f9a",{"primary":12675,"items":12790,"id":12791,"slice_type":7946,"slice_label":107},{"text":12676},[12677,12679,12682,12685,12688,12692,12696,12700,12703,12706,12709,12713,12717,12721,12724,12727,12731,12735,12739,12742,12745,12749,12753,12756,12759,12764,12768,12771,12774,12777,12781],{"type":7951,"text":11976,"spans":12678},[],{"type":180,"text":12680,"spans":12681},"The eligible products list is long. The actual things worth buying are short. Here’s what makes sense in each category, based on current pricing at participating retailers (May 2026).",[],{"type":171,"text":12683,"spans":12684},"Fridges (3-tick or above)",[],{"type":180,"text":12686,"spans":12687},"Fridges are the easiest category to use the voucher on - widest selection, prices that match common voucher amounts, and almost every household needs one eventually.",[],{"type":4229,"text":12689,"spans":12690},"Free pick (under $200) - Europace 48L bar fridge ($189) or Midea 47L bar fridge ($199). Pure $0 out-of-pocket plays for studio apartments, secondary fridges, or office pantries.",[12691],{"start":9,"end":8084,"type":3603},{"type":4229,"text":12693,"spans":12694},"Mid-range pick ($400-700) - Toshiba 2-door 179L 3-tick fridge (~$569). Voucher knocks it down to $169 out of pocket. Good entry size for a small family.",[12695],{"start":9,"end":6407,"type":3603},{"type":4229,"text":12697,"spans":12698},"Premium pick ($1,000+) - Larger 3-door inverter fridges from LG, Samsung, Hitachi. Voucher takes $400 off, you pay the rest by credit card for cashback.",[12699],{"start":9,"end":8084,"type":3603},{"type":180,"text":12701,"spans":12702},"Avoid wine fridges and mini coolers unless they specifically carry the 3-tick label - most don’t.",[],{"type":171,"text":12704,"spans":12705},"Washing machines (4-tick water rating)",[],{"type":180,"text":12707,"spans":12708},"Second-easiest category. Top-load is cheaper, front-load saves more water and electricity long-term.",[],{"type":4229,"text":12710,"spans":12711},"Top-load (cheapest) - Toshiba 7kg or EF 10kg, both under $420 with current promos. Voucher covers the full amount or close to it.",[12712],{"start":9,"end":7423,"type":3603},{"type":4229,"text":12714,"spans":12715},"Front-load (better value) - Toshiba 8.5kg front-load (~$609). Voucher takes $400 off, you pay $209 by card. Front-load saves roughly $80-150/year in utilities vs top-load over its lifespan.",[12716],{"start":9,"end":6407,"type":3603},{"type":4229,"text":12718,"spans":12719},"Avoid - cheap top-loaders below 4-tick water rating. The energy savings on higher-tick models pay back the price gap in 2-3 years.",[12720],{"start":9,"end":8172,"type":3603},{"type":171,"text":12722,"spans":12723},"Air-conditioners (5-tick only)",[],{"type":180,"text":12725,"spans":12726},"Hardest category. Most aircons sold in Singapore are 3-4 tick. Only a small subset of premium inverter models hit 5-tick.",[],{"type":4229,"text":12728,"spans":12729},"5-tick System 1 - Mitsubishi Starmex or similar (~$1,249). Voucher covers $400. Add ~$200-400 for installation. Total out-of-pocket: $1,049-$1,249. The 5-tick efficiency saves around $80-150/year vs a 3-tick aircon.",[12730],{"start":9,"end":10455,"type":3603},{"type":4229,"text":12732,"spans":12733},"5-tick System 2 or 3 - multi-room setups from $2,400. Same $400 voucher applies, but the percentage saving is small relative to the total. Stack with retailer bundle promos to make the math work.",[12734],{"start":9,"end":10614,"type":3603},{"type":4229,"text":12736,"spans":12737},"Skip - window aircons and most portables - very few hit 5-tick.",[12738],{"start":9,"end":8161,"type":3603},{"type":171,"text":12740,"spans":12741},"DC fans (DC motor only)",[],{"type":180,"text":12743,"spans":12744},"Often overlooked. A 16-inch DC stand fan from Cornell or Toshiba runs $65-110. The voucher makes it free.",[],{"type":4229,"text":12746,"spans":12747},"Why DC over AC - a DC fan uses roughly 60% less electricity than an AC fan. Over a year of daily use, the savings cover the price difference. With the voucher, it’s a no-brainer.",[12748],{"start":9,"end":5511,"type":3603},{"type":4229,"text":12750,"spans":12751},"Avoid - cheap AC fans being marketed under the Climate Voucher logo - check the model spec for \"DC motor\".",[12752],{"start":9,"end":8172,"type":3603},{"type":171,"text":12754,"spans":12755},"Water heaters (5-tick from April 2026)",[],{"type":180,"text":12757,"spans":12758},"The category with the biggest recent change. From April 2026, only 5-tick water heaters qualify (it was 3-tick before). Fewer models qualify, and prices are higher than entry-level units.",[],{"type":4229,"text":12760,"spans":12761},"Storage type (5-tick) - a 5-tick storage heater runs $400-700. Voucher covers most of it, especially for a 30L unit suited for a single bathroom.",[12762],{"start":9,"end":12763,"type":3603},21,{"type":4229,"text":12765,"spans":12766},"Instant type - check the tick rating carefully - most instant heaters don’t qualify.",[12767],{"start":9,"end":7014,"type":3603},{"type":180,"text":12769,"spans":12770},"If your existing heater still works, this isn’t the best use of your voucher. Save the credit for a category with broader options.",[],{"type":171,"text":12772,"spans":12773},"LED lights (2-tick or above)",[],{"type":180,"text":12775,"spans":12776},"The category for households who don’t need a big appliance right now. LED bulbs run $5-50 each. Spending the entire voucher on bulbs sounds excessive but adds up if you’re replacing every bulb in your flat.",[],{"type":4229,"text":12778,"spans":12779},"Best use - top up the leftover voucher amount after a bigger purchase. $50 of voucher = around 5-10 LED replacements.",[12780],{"start":9,"end":11354,"type":3603},{"type":180,"text":12782,"spans":12783},"For the live eligible products list, check the official portal - retailers also flag eligible items with a Climate Voucher logo on their product pages, including the Gain City eligible appliances list.",[12784,12787],{"start":7958,"end":12785,"type":5402,"data":12786},62,{"link_type":69,"url":12316},{"start":12788,"end":6926,"type":5402,"data":12789},166,{"link_type":69,"url":12517},[],"text$aca2456c-5f0a-4c0b-b991-b8108f15c6cd",{"primary":12793,"items":12821,"id":12822,"slice_type":7946,"slice_label":107},{"text":12794},[12795,12797,12800,12803,12806,12809,12812,12815,12818],{"type":7951,"text":9610,"spans":12796},[],{"type":9410,"text":12798,"spans":12799},"Log in at go.gov.sg/climatevouchers with Singpass and check your balance.",[],{"type":9410,"text":12801,"spans":12802},"Confirm both the $300 and the additional $100 are claimable.",[],{"type":9410,"text":12804,"spans":12805},"Decide your strategy: one big appliance (fridge, washer, aircon) or multiple smaller items.",[],{"type":9410,"text":12807,"spans":12808},"Pick a participating retailer (Gain City, Courts, Best Denki, or Harvey Norman) and check their current Climate Voucher promotions.",[],{"type":9410,"text":12810,"spans":12811},"Match a product price to your voucher amount - avoid losing leftover voucher value to no-change.",[],{"type":9410,"text":12813,"spans":12814},"Buy in-store when possible to use your credit card on the balance.",[],{"type":9410,"text":12816,"spans":12817},"Confirm free old-appliance disposal at point of purchase.",[],{"type":9410,"text":12819,"spans":12820},"Set a calendar reminder for July 2027 to use any remaining balance.",[],[],"text$6bb66a79-960b-45bc-b926-a60842cf7fc3",{"primary":12824,"items":12849,"id":12850,"slice_type":7946,"slice_label":107},{"text":12825},[12826,12829,12832,12835],{"type":7951,"text":12827,"spans":12828,"direction":123},"The bottom line",[],{"type":180,"text":12830,"spans":12831,"direction":123},"The Climate Voucher is the single largest cash-equivalent voucher most Singaporean households have access to right now. $400 is real money. And unlike credit card sign-up bonuses or cashback offers, you don’t need to spend a specific amount to unlock it - it’s already yours.",[],{"type":180,"text":12833,"spans":12834,"direction":123},"The trick is treating it like a deal-stacking exercise rather than a one-shot voucher. Match the price. Pay the balance by card. Claim the free disposal. Stack a retailer promo if one is live.",[],{"type":180,"text":12836,"spans":12837,"direction":123},"For other government money you might be missing, check our guides on the SG Culture Pass, Healthier SG, and the new parent money stack.",[12838,12842,12846],{"start":9574,"end":12839,"type":5402,"data":12840},88,{"link_type":69,"url":12841,"target":186},"https://divedeals.sg/blog/sg-culture-pass-best-value-singapore",{"start":10883,"end":12843,"type":5402,"data":12844},102,{"link_type":69,"url":12845,"target":186},"https://divedeals.sg/blog/is-healthier-sg-worth-it-free-healthcare-singapore",{"start":11033,"end":7402,"type":5402,"data":12847},{"link_type":69,"url":12848,"target":186},"https://divedeals.sg/blog/new-parent-money-stack-baby-bonus-singapore",[],"text$c8488acf-a32f-43ff-b14b-ad86c155166f",{"id":12852,"uid":12853,"url":107,"type":7846,"href":12854,"tags":12855,"first_publication_date":12856,"last_publication_date":12857,"slugs":12858,"linked_documents":12860,"lang":115,"alternate_languages":12861,"data":12862},"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",[8847,8848,7851],"2026-05-04T14:18:55+0000","2026-05-04T14:59:27+0000",[12859],"how-to-use-your-cdc-vouchers-in-singapore-2026",[],[],{"title":12863,"seo_title":12867,"seo_meta_description":12871,"featured":16,"expired":16,"noindex":16,"cover_image":12875,"date":11899,"author_link":12883,"body":12886},[12864],{"type":120,"text":12865,"spans":12866,"direction":123},"How to Use Your CDC Vouchers in Singapore (2026)",[],[12868],{"type":120,"text":12869,"spans":12870},"How to Use CDC Vouchers Singapore (2026): $300 Guide",[],[12872],{"type":120,"text":12873,"spans":12874},"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":12876,"alt":12879,"copyright":107,"url":12880,"id":12881,"edit":12882},{"width":12877,"height":12878},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},{"id":7880,"type":7881,"tags":12884,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":12885,"isBroken":16},[],"93d12d7b-98bb-47a2-ba35-983f72fd910a",[12887,12904,12966,12970,13009,13067,13119,13224,13271,13350,13390,13435,13453],{"primary":12888,"items":12902,"id":12903,"slice_type":7946,"slice_label":107},{"text":12889},[12890,12893,12896],{"type":180,"text":12891,"spans":12892,"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":12894,"spans":12895,"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":12897,"spans":12898,"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 $50 per tranche. All amounts and rules are pulled from the official CDC Vouchers Scheme portal.",[12899],{"start":5687,"end":6623,"type":5402,"data":12900},{"link_type":69,"url":12901,"target":186},"https://vouchers.cdc.gov.sg/residents/info/",[],"text$f915fcbe-9e88-4008-8865-25ef13cfe2fa",{"primary":12905,"items":12964,"id":12965,"slice_type":7946,"slice_label":107},{"text":12906},[12907,12909,12915,12921,12927,12933,12939,12946,12952,12958],{"type":7951,"text":7952,"spans":12908,"direction":123},[],{"type":180,"text":12910,"spans":12911,"direction":123},"1. What is in your CDC Vouchers 2026",[12912],{"start":9,"end":8029,"type":5402,"data":12913},{"link_type":69,"url":12914,"target":186},"#1-what-is-in-your-cdc-vouchers-2026",{"type":180,"text":12916,"spans":12917,"direction":123},"2. Who is eligible (and who is not)",[12918],{"start":9,"end":5400,"type":5402,"data":12919},{"link_type":69,"url":12920,"target":186},"#2-who-is-eligible-and-who-is-not-",{"type":180,"text":12922,"spans":12923,"direction":123},"3. How to claim your CDC Vouchers (step by step)",[12924],{"start":9,"end":9695,"type":5402,"data":12925},{"link_type":69,"url":12926,"target":186},"#3-how-to-claim-your-cdc-vouchers-step-by-step-",{"type":180,"text":12928,"spans":12929,"direction":123},"4. Where to use CDC Vouchers in 2026",[12930],{"start":9,"end":8029,"type":5402,"data":12931},{"link_type":69,"url":12932,"target":186},"#4-where-to-use-cdc-vouchers-in-2026",{"type":180,"text":12934,"spans":12935,"direction":123},"5. The supermarket stacking trick that adds 10% on top",[12936],{"start":9,"end":11979,"type":5402,"data":12937},{"link_type":69,"url":12938,"target":186},"#5-the-supermarket-stacking-trick-that-adds-10-on-top",{"type":180,"text":12940,"spans":12941,"direction":123},"6. How to use CDC Vouchers at NTUC self-checkout and the FairPrice app",[12942],{"start":9,"end":12943,"type":5402,"data":12944},70,{"link_type":69,"url":12945,"target":186},"#6-how-to-use-cdc-vouchers-at-ntuc-self-checkout-and-the-fairprice-app",{"type":180,"text":12947,"spans":12948,"direction":123},"7. Can you use CDC Vouchers online?",[12949],{"start":9,"end":5400,"type":5402,"data":12950},{"link_type":69,"url":12951,"target":186},"#7-can-you-use-cdc-vouchers-online-",{"type":180,"text":12953,"spans":12954,"direction":123},"8. The \"no change given\" rule and 7 other gotchas",[12955],{"start":9,"end":8600,"type":5402,"data":12956},{"link_type":69,"url":12957,"target":186},"#8-the-no-change-given-rule-and-7-other-gotchas",{"type":180,"text":12959,"spans":12960,"direction":123},"9. Stacking CDC Vouchers with credit cards for max value",[12961],{"start":9,"end":6960,"type":5402,"data":12962},{"link_type":69,"url":12963,"target":186},"#9-stacking-cdc-vouchers-with-credit-cards-for-max-value",[],"text$15dbdc22-1e7a-4146-9a0e-4ec3da587293",{"primary":12967,"items":12968,"id":12969,"slice_type":8012,"slice_label":107},{},[],"divider$78704cd4-5a65-4d08-8361-fa092658a72d",{"primary":12971,"items":13007,"id":13008,"slice_type":7946,"slice_label":107},{"text":12972},[12973,12975,12978,12981,12985,12989,12993,12997,13001,13004],{"type":7951,"text":12910,"spans":12974},[],{"type":180,"text":12976,"spans":12977},"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":12979,"spans":12980},"Here is what your household actually gets:",[],{"type":4229,"text":12982,"spans":12983},"$150 supermarket vouchers - usable at NTUC FairPrice, Cold Storage, Giant, Sheng Siong, Prime, U Stars, Scarlett and other participating supermarkets",[12984],{"start":9,"end":6407,"type":3603},{"type":4229,"text":12986,"spans":12987},"$150 hawker and heartland merchant vouchers - usable at participating hawker stalls, coffee shops, heartland shops, salons, optical stores and more",[12988],{"start":9,"end":5453,"type":3603},{"type":4229,"text":12990,"spans":12991},"Total per household - $300, regardless of household size",[12992],{"start":9,"end":7423,"type":3603},{"type":4229,"text":12994,"spans":12995},"Expiry - 31 December 2026 (anything unspent is forfeited, no rollover)",[12996],{"start":9,"end":8609,"type":3603},{"type":4229,"text":12998,"spans":12999},"Denominations - $2, $5 and $10 vouchers, you choose how many to apply per transaction",[13000],{"start":9,"end":5703,"type":3603},{"type":180,"text":13002,"spans":13003},"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":13005,"spans":13006},"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":13010,"items":13065,"id":13066,"slice_type":7946,"slice_label":107},{"text":13011},[13012,13014,13017,13020,13023,13026,13029,13032,13035,13038,13041,13044,13047,13050,13053,13056,13059,13062],{"type":7951,"text":12916,"spans":13013},[],{"type":180,"text":13015,"spans":13016},"The eligibility rule is simple but constantly misunderstood by foreigners, PRs and tenants. Here is the clean version.",[],{"type":171,"text":13018,"spans":13019},"You ARE eligible if",[],{"type":4229,"text":13021,"spans":13022},"Your household contains at least one Singapore Citizen with a valid residential address in Singapore.",[],{"type":4229,"text":13024,"spans":13025},"You live in an HDB flat, condo, landed home or any registered residential address - housing type does not matter.",[],{"type":4229,"text":13027,"spans":13028},"You are the resident at that address, even if you do not own the place (renter, family member, child).",[],{"type":171,"text":13030,"spans":13031},"You are NOT eligible if",[],{"type":4229,"text":13033,"spans":13034},"Your household contains zero Singapore Citizens (i.e. only PRs, work pass holders, foreigners).",[],{"type":4229,"text":13036,"spans":13037},"You are a foreign tenant living alone or with other foreigners - even if you pay all the rent.",[],{"type":4229,"text":13039,"spans":13040},"You are a Permanent Resident on your own without any Singapore Citizen co-resident.",[],{"type":180,"text":13042,"spans":13043},"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":13045,"spans":13046},"The landlord vs tenant headache",[],{"type":180,"text":13048,"spans":13049},"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":13051,"spans":13052},"The vouchers are issued in the landlord's household name (because they are the registered Singaporean at the address).",[],{"type":4229,"text":13054,"spans":13055},"The landlord can legally claim and keep them - it is not theft, it is the rule.",[],{"type":4229,"text":13057,"spans":13058},"In practice, many landlords either share the vouchers with tenants or factor it into the rent. Some don't.",[],{"type":4229,"text":13060,"spans":13061},"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":13063,"spans":13064},"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":13068,"items":13117,"id":13118,"slice_type":7946,"slice_label":107},{"text":13069},[13070,13072,13075,13078,13084,13087,13090,13093,13096,13099,13102,13105,13108,13111,13114],{"type":7951,"text":12922,"spans":13071},[],{"type":180,"text":13073,"spans":13074},"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":9410,"text":13076,"spans":13077},"Open Singpass app and log in (or have your password ready for browser login).",[],{"type":9410,"text":13079,"spans":13080},"Go to go.gov.sg/cdcv on your phone or computer.",[13081],{"start":8609,"end":10614,"type":5402,"data":13082},{"link_type":69,"url":13083},"https://go.gov.sg/cdcv",{"type":9410,"text":13085,"spans":13086},"Select \"CDC Vouchers Scheme 2026 (January)\".",[],{"type":9410,"text":13088,"spans":13089},"Log in with Singpass.",[],{"type":9410,"text":13091,"spans":13092},"Confirm your household address and key in your mobile number.",[],{"type":9410,"text":13094,"spans":13095},"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":9410,"text":13097,"spans":13098},"Open the link, bookmark it on your phone home screen, and you are ready to spend.",[],{"type":171,"text":13100,"spans":13101},"If you do not have Singpass or a smartphone",[],{"type":180,"text":13103,"spans":13104},"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":13106,"spans":13107},"If you are overseas or bedridden",[],{"type":180,"text":13109,"spans":13110},"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":13112,"spans":13113},"What if someone else in my household already claimed?",[],{"type":180,"text":13115,"spans":13116},"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":13120,"items":13222,"id":13223,"slice_type":7946,"slice_label":107},{"text":13121},[13122,13124,13127,13135,13138,13141,13144,13147,13150,13153,13156,13159,13162,13165,13168,13171,13174,13177,13180,13183,13186,13189,13192,13195,13198,13201,13204,13207,13210,13213,13216,13219],{"type":7951,"text":12928,"spans":13123},[],{"type":180,"text":13125,"spans":13126},"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":13128,"spans":13129},"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.",[13130],{"start":13131,"end":13132,"type":5402,"data":13133},81,107,{"link_type":69,"url":13134},"https://www.gowhere.gov.sg/cdcvouchers",{"type":180,"text":13136,"spans":13137},"Here is the practical breakdown of where most households spend.",[],{"type":171,"text":13139,"spans":13140},"Supermarkets that accept CDC Vouchers",[],{"type":4229,"text":13142,"spans":13143},"NTUC FairPrice (and FairPrice Finest, FairPrice Xtra, FairPrice Xpress, Cheers)",[],{"type":4229,"text":13145,"spans":13146},"Cold Storage (and Jasons, Market Place)",[],{"type":4229,"text":13148,"spans":13149},"Giant",[],{"type":4229,"text":13151,"spans":13152},"Sheng Siong",[],{"type":4229,"text":13154,"spans":13155},"Prime Supermarket",[],{"type":4229,"text":13157,"spans":13158},"U Stars Supermarket",[],{"type":4229,"text":13160,"spans":13161},"Scarlett Supermarket",[],{"type":4229,"text":13163,"spans":13164},"Hao Mart, Don Don Donki (selected outlets), Ang Mo Supermart, and most heartland mama shops",[],{"type":180,"text":13166,"spans":13167},"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":13169,"spans":13170},"Hawker centres and coffee shops",[],{"type":180,"text":13172,"spans":13173},"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":13175,"spans":13176},"Kopitiam, Koufu, Food Junction, Food Republic and most coffee shop chains",[],{"type":4229,"text":13178,"spans":13179},"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":13181,"spans":13182},"Coffee shops under Kim San Leng, Broadway, NTUC Foodfare and similar groups",[],{"type":180,"text":13184,"spans":13185},"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":13187,"spans":13188},"Heartland merchants",[],{"type":180,"text":13190,"spans":13191},"This is where the hawker/heartland $150 stretches further than people realise. You can use it at:",[],{"type":4229,"text":13193,"spans":13194},"Hair salons, barbers and budget hair studios",[],{"type":4229,"text":13196,"spans":13197},"Optical shops (specs, contact lens top-ups)",[],{"type":4229,"text":13199,"spans":13200},"Provision shops, mama shops and minimarts",[],{"type":4229,"text":13202,"spans":13203},"Bakeries, cake shops and traditional kueh stalls",[],{"type":4229,"text":13205,"spans":13206},"TCM clinics and reflexology shops",[],{"type":4229,"text":13208,"spans":13209},"Tailoring and alteration shops",[],{"type":4229,"text":13211,"spans":13212},"Watch repair, key cutting and shoe repair",[],{"type":4229,"text":13214,"spans":13215},"Florists and gift shops",[],{"type":4229,"text":13217,"spans":13218},"Selected pharmacies (Watsons and Guardian only at participating heartland branches - check the gowhere directory before assuming)",[],{"type":180,"text":13220,"spans":13221},"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":13225,"items":13269,"id":13270,"slice_type":7946,"slice_label":107},{"text":13226},[13227,13229,13232,13236,13240,13244,13248,13251,13254,13259,13263,13266],{"type":7951,"text":12934,"spans":13228,"direction":123},[],{"type":180,"text":13230,"spans":13231,"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":13233,"spans":13234,"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.",[13235],{"start":9,"end":5511,"type":3603},{"type":4229,"text":13237,"spans":13238,"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%.",[13239],{"start":9,"end":8084,"type":3603},{"type":4229,"text":13241,"spans":13242,"direction":123},"Prime Supermarket - spend $80, get a $5 return voucher (about 6.25% back).",[13243],{"start":9,"end":3602,"type":3603},{"type":4229,"text":13245,"spans":13246,"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.",[13247],{"start":9,"end":5452,"type":3603},{"type":180,"text":13249,"spans":13250,"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":13252,"spans":13253,"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":13255,"spans":13256,"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.",[13257],{"start":9,"end":13258,"type":3603},33,{"type":4229,"text":13260,"spans":13261,"direction":123},"r/singapore - the community thread within 24 hours of voucher release usually surfaces all the active promos.",[13262],{"start":9,"end":5452,"type":3603},{"type":180,"text":13264,"spans":13265,"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":13267,"spans":13268,"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":13272,"items":13348,"id":13349,"slice_type":7946,"slice_label":107},{"text":13273},[13274,13276,13279,13282,13285,13288,13291,13294,13297,13300,13303,13306,13309,13312,13315,13318,13321,13324,13327,13330,13333,13336,13339,13342,13345],{"type":7951,"text":12940,"spans":13275},[],{"type":180,"text":13277,"spans":13278},"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":13280,"spans":13281},"At a hawker stall or heartland merchant",[],{"type":9410,"text":13283,"spans":13284},"Open your CDC Voucher link on your phone (saved from the SMS).",[],{"type":9410,"text":13286,"spans":13287},"Show the merchant your screen.",[],{"type":9410,"text":13289,"spans":13290},"They scan the QR code displayed in your link using their merchant app, OR they enter the redemption amount manually.",[],{"type":9410,"text":13292,"spans":13293},"Confirm the deduction on your phone.",[],{"type":9410,"text":13295,"spans":13296},"Done. The merchant receives the voucher value, you keep any unused balance.",[],{"type":171,"text":13298,"spans":13299},"At NTUC FairPrice manned cashier",[],{"type":9410,"text":13301,"spans":13302},"Tell the cashier you want to pay with CDC vouchers BEFORE they ring up your items (so they can apply it correctly).",[],{"type":9410,"text":13304,"spans":13305},"Open your voucher link on your phone.",[],{"type":9410,"text":13307,"spans":13308},"Show the cashier your QR code - they scan it.",[],{"type":9410,"text":13310,"spans":13311},"They will deduct the exact bill amount up to your remaining voucher balance.",[],{"type":9410,"text":13313,"spans":13314},"If your bill is more than your voucher balance, pay the rest with cash, PayLah, NETS or credit card.",[],{"type":171,"text":13316,"spans":13317},"At NTUC FairPrice self-checkout",[],{"type":9410,"text":13319,"spans":13320},"Scan all your items as usual.",[],{"type":9410,"text":13322,"spans":13323},"At payment, look for \"CDC/SG60 Vouchers\" as a payment method (it is usually the first option on the screen).",[],{"type":9410,"text":13325,"spans":13326},"Tap it and a QR scanner activates on the self-checkout screen.",[],{"type":9410,"text":13328,"spans":13329},"Open your voucher link on your phone, show the QR code to the scanner.",[],{"type":9410,"text":13331,"spans":13332},"The system deducts up to your voucher balance, then shows the remaining amount.",[],{"type":9410,"text":13334,"spans":13335},"Pay the rest with another method or scan another voucher.",[],{"type":180,"text":13337,"spans":13338},"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":13340,"spans":13341},"In the FairPrice app for delivery / online groceries",[],{"type":180,"text":13343,"spans":13344},"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":13346,"spans":13347},"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":13351,"items":13388,"id":13389,"slice_type":7946,"slice_label":107},{"text":13352},[13353,13355,13358,13361,13364,13367,13370,13373,13376,13379,13382,13385],{"type":7951,"text":12947,"spans":13354},[],{"type":180,"text":13356,"spans":13357},"Short answer: no, not as of the 2026 (January) tranche.",[],{"type":180,"text":13359,"spans":13360},"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":13362,"spans":13363},"That means you cannot use CDC vouchers for:",[],{"type":4229,"text":13365,"spans":13366},"FairPrice online delivery or click-and-collect",[],{"type":4229,"text":13368,"spans":13369},"RedMart, Lazada Mart, Shopee Supermarket",[],{"type":4229,"text":13371,"spans":13372},"Giant or Cold Storage delivery",[],{"type":4229,"text":13374,"spans":13375},"GrabMart, Foodpanda, Deliveroo, Pickupp",[],{"type":4229,"text":13377,"spans":13378},"Watsons or Guardian online stores",[],{"type":4229,"text":13380,"spans":13381},"Any online food delivery or e-commerce platform",[],{"type":180,"text":13383,"spans":13384},"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":13386,"spans":13387},"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":13391,"items":13433,"id":13434,"slice_type":7946,"slice_label":107},{"text":13392},[13393,13395,13398,13402,13406,13410,13414,13418,13422,13426,13430],{"type":7951,"text":12953,"spans":13394},[],{"type":180,"text":13396,"spans":13397},"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":13399,"spans":13400},"\"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.",[13401],{"start":9,"end":8595,"type":3603},{"type":4229,"text":13403,"spans":13404},"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.",[13405],{"start":9,"end":7433,"type":3603},{"type":4229,"text":13407,"spans":13408},"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.",[13409],{"start":9,"end":5400,"type":3603},{"type":4229,"text":13411,"spans":13412},"Hawker vouchers and supermarket vouchers do not interchange - your $150 supermarket voucher cannot be spent at the hawker stall, and vice versa.",[13413],{"start":9,"end":9688,"type":3603},{"type":4229,"text":13415,"spans":13416},"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.",[13417],{"start":9,"end":10984,"type":3603},{"type":4229,"text":13419,"spans":13420},"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).",[13421],{"start":9,"end":13258,"type":3603},{"type":4229,"text":13423,"spans":13424},"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.",[13425],{"start":9,"end":8590,"type":3603},{"type":4229,"text":13427,"spans":13428},"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.",[13429],{"start":9,"end":7433,"type":3603},{"type":180,"text":13431,"spans":13432},"The \"no change\" rule is honestly the dumbest design choice in the scheme. Just plan around it.",[],[],"text$1867ce47-f9c8-4c80-9fcc-a5135b7d1cd7",{"primary":13436,"items":13451,"id":13452,"slice_type":7946,"slice_label":107},{"text":13437},[13438,13440,13443],{"type":7951,"text":12959,"spans":13439,"direction":123},[],{"type":180,"text":13441,"spans":13442,"direction":123},"CDC vouchers cover the first chunk of your bill. Your credit card covers the rest. The cards that earn the most cashback or points on the residual amount:",[],{"type":180,"text":13444,"spans":13445,"direction":123},"For credit card sign-up promos that pair well with this stack, see our guide to the best credit card sign-up promotions in Singapore.",[13446],{"start":13447,"end":13448,"type":5402,"data":13449},84,132,{"link_type":69,"url":13450,"target":186},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore",[],"text$eec096a1-3562-4c33-8f6a-59cbcf2e00ed",{"primary":13454,"items":13465,"id":13466,"slice_type":7946,"slice_label":107},{"text":13455},[13456],{"type":180,"text":13457,"spans":13458,"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.",[13459,13462],{"start":8931,"end":13460,"type":5402,"data":13461},96,{"link_type":69,"url":9598,"target":186},{"start":8399,"end":13463,"type":5402,"data":13464},120,{"link_type":69,"url":9605,"target":186},[],"text$062ba63e-1210-42e2-8e4d-0ac0561faed1",{"id":13468,"uid":13469,"url":107,"type":7846,"href":13470,"tags":13471,"first_publication_date":13473,"last_publication_date":13473,"slugs":13474,"linked_documents":13476,"lang":115,"alternate_languages":13477,"data":13478},"afqewRAAAPzZYwux","corporate-gift-ideas-staff-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afqewRAAAPzZYwux%22%29+%5D%5D",[7849,13472,7851],"corporate gifts","2026-05-06T02:45:23+0000",[13475],"corporate-gift-ideas-for-staff-under-200-in-singapore-2026",[],[],{"title":13479,"seo_title":13483,"seo_meta_description":13487,"featured":16,"expired":16,"noindex":16,"cover_image":13491,"date":7878,"author_link":13497,"body":13500},[13480],{"type":120,"text":13481,"spans":13482,"direction":123},"Corporate Gift Ideas for Staff Under $200 in Singapore (2026)",[],[13484],{"type":120,"text":13485,"spans":13486,"direction":123},"Corporate Gift Ideas for Staff Under $200 Singapore (2026)",[],[13488],{"type":120,"text":13489,"spans":13490},"The Singapore SME guide to staff gifts that stay tax-free: the $200 IRAS rule decoded, plus 60+ specific gift ideas for CNY, Hari Raya, Deepavali, Christmas, birthdays, weddings, long service and bereavement.",[],{"dimensions":13492,"alt":13493,"copyright":107,"url":13494,"id":13495,"edit":13496},{"width":7872,"height":7873},"coprorate festive gift ideas for staff","https://images.prismic.io/dive/afqqQsBOoF08xpfT_blake-wisz-Xn5FbEM9564-unsplash.jpg?auto=format,compress","afqqQsBOoF08xpfT",{"x":9,"y":9,"zoom":5194,"background":5195},{"id":7880,"type":7881,"tags":13498,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":13499,"isBroken":16},[],"4d7348ef-fc9b-4d1d-a83c-6d98f9161c3a",[13501,13512,13579,13583,13617,13621,13631,13796,13807,13811,13885,13889,13934,13938,13978,13982,14027,14031,14093,14097,14150,14154,14197,14201,14237,14241],{"primary":13502,"items":13510,"id":13511,"slice_type":7946,"slice_label":107},{"text":13503},[13504,13507],{"type":180,"text":13505,"spans":13506,"direction":123},"Most Singapore SMEs spend $300 to $800 per employee per year on staff gifts. Most of them are leaving money on the table because they bought the wrong type of gift, blew past a tax threshold by $30, or skipped occasions IRAS would have classified as fully tax-free.",[],{"type":180,"text":13508,"spans":13509,"direction":123},"This is the practical, IRAS-aligned guide to staff gifting in Singapore. Not a vendor catalogue, not a brand listicle. The $200 rule, what it actually means, and what to put in the hamper or ang pow without giving your finance team a headache at year-end.",[],[],"text$099eeaf9-ed5d-4e7a-8ae5-8462ceeca955",{"primary":13513,"items":13577,"id":13578,"slice_type":7946,"slice_label":107},{"text":13514},[13515,13517,13523,13529,13535,13541,13547,13553,13559,13565,13571],{"type":7951,"text":7952,"spans":13516,"direction":123},[],{"type":180,"text":13518,"spans":13519,"direction":123},"1. The $200 cliff edge that nobody warns you about",[13520],{"start":9,"end":10977,"type":5402,"data":13521},{"link_type":69,"url":13522,"target":186},"#1-the-200-cliff-edge-that-nobody-warns-you-about",{"type":180,"text":13524,"spans":13525,"direction":123},"2. The 9 occasions IRAS treats as tax-free (and the rules per occasion)",[13526],{"start":9,"end":9593,"type":5402,"data":13527},{"link_type":69,"url":13528,"target":186},"#2-the-9-occasions-iras-treats-as-tax-free-and-the-rules-per-occasion-",{"type":180,"text":13530,"spans":13531,"direction":123},"3. Chinese New Year staff gifts under $200",[13532],{"start":9,"end":6406,"type":5402,"data":13533},{"link_type":69,"url":13534,"target":186},"#3-chinese-new-year-staff-gifts-under-200",{"type":180,"text":13536,"spans":13537,"direction":123},"4. Hari Raya staff gifts under $200",[13538],{"start":9,"end":5400,"type":5402,"data":13539},{"link_type":69,"url":13540,"target":186},"#4-hari-raya-staff-gifts-under-200",{"type":180,"text":13542,"spans":13543,"direction":123},"5. Deepavali staff gifts under $200",[13544],{"start":9,"end":5400,"type":5402,"data":13545},{"link_type":69,"url":13546,"target":186},"#5-deepavali-staff-gifts-under-200",{"type":180,"text":13548,"spans":13549,"direction":123},"6. Christmas and year-end staff gifts under $200",[13550],{"start":9,"end":9695,"type":5402,"data":13551},{"link_type":69,"url":13552,"target":186},"#6-christmas-and-year-end-staff-gifts-under-200",{"type":180,"text":13554,"spans":13555,"direction":123},"7. Birthday, wedding and newborn gifts",[13556],{"start":9,"end":9417,"type":5402,"data":13557},{"link_type":69,"url":13558,"target":186},"#7-birthday-wedding-and-newborn-gifts",{"type":180,"text":13560,"spans":13561,"direction":123},"8. Long service awards (must be non-cash)",[13562],{"start":9,"end":10991,"type":5402,"data":13563},{"link_type":69,"url":13564,"target":186},"#8-long-service-awards-must-be-non-cash-",{"type":180,"text":13566,"spans":13567,"direction":123},"9. Service excellence and zero-MC awards",[13568],{"start":9,"end":7433,"type":5402,"data":13569},{"link_type":69,"url":13570,"target":186},"#9-service-excellence-and-zero-mc-awards",{"type":180,"text":13572,"spans":13573,"direction":123},"10. Bereavement gifts (no threshold, always tax-free)",[13574],{"start":9,"end":9571,"type":5402,"data":13575},{"link_type":69,"url":13576,"target":186},"#10-bereavement-gifts-no-threshold-always-tax-free-",[],"text$2aa841e8-c6a3-4b98-8b79-a0128db32e21",{"primary":13580,"items":13581,"id":13582,"slice_type":8012,"slice_label":107},{},[],"divider$0e5acbfd-758d-45a8-817d-e6eed78c4b18",{"primary":13584,"items":13615,"id":13616,"slice_type":7946,"slice_label":107},{"text":13585},[13586,13588,13591,13594,13597,13601,13605,13609],{"type":7951,"text":13518,"spans":13587},[],{"type":180,"text":13589,"spans":13590},"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":13592,"spans":13593},"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":13595,"spans":13596},"Three implications most companies miss:",[],{"type":4229,"text":13598,"spans":13599},"$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.",[13600],{"start":9,"end":8938,"type":3603},{"type":4229,"text":13602,"spans":13603},"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.",[13604],{"start":9,"end":6960,"type":3603},{"type":4229,"text":13606,"spans":13607},"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.",[13608],{"start":9,"end":7315,"type":3603},{"type":180,"text":13610,"spans":13611},"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.",[13612],{"start":13613,"end":7340,"type":5402,"data":13614},131,{"link_type":69,"url":8044},[],"text$9ac5229e-6a0d-40f4-99eb-3a0b2bdb1913",{"primary":13618,"items":13619,"id":13620,"slice_type":8012,"slice_label":107},{},[],"divider$14aea9d7-14e9-4ba1-b65b-e04b2e899776",{"primary":13622,"items":13629,"id":13630,"slice_type":7946,"slice_label":107},{"text":13623},[13624,13626],{"type":7951,"text":13524,"spans":13625},[],{"type":180,"text":13627,"spans":13628},"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":13632,"items":13637,"id":13795,"slice_type":9324,"slice_label":107},{"table_title":13633},[13634],{"type":171,"text":13635,"spans":13636},"IRAS staff gift concession at a glance",[],[13638,13658,13674,13689,13704,13719,13735,13749,13764,13779],{"col1":13639,"col2":13644,"col3":13649,"col4":13654},[13640],{"type":180,"text":13641,"spans":13642},"Occasion",[13643],{"start":9,"end":11354,"type":3603},[13645],{"type":180,"text":13646,"spans":13647},"Threshold",[13648],{"start":9,"end":8078,"type":3603},[13650],{"type":180,"text":13651,"spans":13652},"Form",[13653],{"start":9,"end":8161,"type":3603},[13655],{"type":180,"text":8652,"spans":13656},[13657],{"start":9,"end":5703,"type":3603},{"col1":13659,"col2":13663,"col3":13666,"col4":13670},[13660],{"type":180,"text":13661,"spans":13662},"Festive gift (CNY, Hari Raya, Deepavali, Christmas)",[],[13664],{"type":180,"text":10831,"spans":13665},[],[13667],{"type":180,"text":13668,"spans":13669},"Cash or non-cash",[],[13671],{"type":180,"text":13672,"spans":13673},"Cash typically wage and CPF-able. Non-cash usually CPF-free.",[],{"col1":13675,"col2":13679,"col3":13682,"col4":13685},[13676],{"type":180,"text":13677,"spans":13678},"Birthday gift",[],[13680],{"type":180,"text":10831,"spans":13681},[],[13683],{"type":180,"text":13668,"spans":13684},[],[13686],{"type":180,"text":13687,"spans":13688},"Same. Stick with non-cash for clean CPF treatment.",[],{"col1":13690,"col2":13694,"col3":13697,"col4":13700},[13691],{"type":180,"text":13692,"spans":13693},"Wedding gift",[],[13695],{"type":180,"text":10831,"spans":13696},[],[13698],{"type":180,"text":13668,"spans":13699},[],[13701],{"type":180,"text":13702,"spans":13703},"Cash ang pow at wedding is wage; non-cash is benefit-in-kind.",[],{"col1":13705,"col2":13709,"col3":13712,"col4":13715},[13706],{"type":180,"text":13707,"spans":13708},"Newborn gift",[],[13710],{"type":180,"text":10831,"spans":13711},[],[13713],{"type":180,"text":13668,"spans":13714},[],[13716],{"type":180,"text":13717,"spans":13718},"Same as wedding.",[],{"col1":13720,"col2":13724,"col3":13727,"col4":13731},[13721],{"type":180,"text":13722,"spans":13723},"Long service award (5, 10, 15, 20+ years)",[],[13725],{"type":180,"text":10831,"spans":13726},[],[13728],{"type":180,"text":13729,"spans":13730},"Non-cash ONLY",[],[13732],{"type":180,"text":13733,"spans":13734},"Non-cash, CPF-free.",[],{"col1":13736,"col2":13740,"col3":13743,"col4":13746},[13737],{"type":180,"text":13738,"spans":13739},"Retirement award",[],[13741],{"type":180,"text":10831,"spans":13742},[],[13744],{"type":180,"text":13729,"spans":13745},[],[13747],{"type":180,"text":13733,"spans":13748},[],{"col1":13750,"col2":13754,"col3":13757,"col4":13760},[13751],{"type":180,"text":13752,"spans":13753},"Service excellence award",[],[13755],{"type":180,"text":10831,"spans":13756},[],[13758],{"type":180,"text":13668,"spans":13759},[],[13761],{"type":180,"text":13762,"spans":13763},"Cash version is wage. Non-cash CPF-free.",[],{"col1":13765,"col2":13769,"col3":13772,"col4":13775},[13766],{"type":180,"text":13767,"spans":13768},"Zero or low MC award",[],[13770],{"type":180,"text":10831,"spans":13771},[],[13773],{"type":180,"text":13668,"spans":13774},[],[13776],{"type":180,"text":13777,"spans":13778},"Same as service excellence.",[],{"col1":13780,"col2":13784,"col3":13788,"col4":13791},[13781],{"type":180,"text":13782,"spans":13783},"Bereavement gift",[],[13785],{"type":180,"text":13786,"spans":13787},"No threshold",[],[13789],{"type":180,"text":13668,"spans":13790},[],[13792],{"type":180,"text":13793,"spans":13794},"Always tax-free, always CPF-free.",[],"table__4_columns_$25cc5dab-8f91-4e4f-b65a-fa77aaf4bb94",{"primary":13797,"items":13805,"id":13806,"slice_type":7946,"slice_label":107},{"text":13798},[13799,13802],{"type":180,"text":13800,"spans":13801},"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":13803,"spans":13804},"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$7625d33c-89f8-4b69-ad7a-081462006d20",{"primary":13808,"items":13809,"id":13810,"slice_type":8012,"slice_label":107},{},[],"divider$de744ce6-a7bc-492c-8f3e-10f1af883492",{"primary":13812,"items":13883,"id":13884,"slice_type":7946,"slice_label":107},{"text":13813},[13814,13816,13819,13822,13825,13829,13833,13837,13841,13844,13847,13851,13855,13859,13863,13867,13871,13875,13878],{"type":7951,"text":13530,"spans":13815},[],{"type":180,"text":13817,"spans":13818},"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":13820,"spans":13821},"CNY ang pow tier ($88 / $128 / $168 / $188)",[],{"type":180,"text":13823,"spans":13824},"Auspicious numbers matter culturally. Stay under $200 to keep the tax-free treatment. Common SME tiers:",[],{"type":4229,"text":13826,"spans":13827},"$88 ang pow - Junior staff, contract roles. $7,040 cost for a 80-person team.",[13828],{"start":9,"end":5452,"type":3603},{"type":4229,"text":13830,"spans":13831},"$128 ang pow - Standard executive. $10,240 for 80-person team.",[13832],{"start":9,"end":7014,"type":3603},{"type":4229,"text":13834,"spans":13835},"$168 ang pow - Mid-level / managers. $13,440 for 80-person team.",[13836],{"start":9,"end":7014,"type":3603},{"type":4229,"text":13838,"spans":13839},"$188 ang pow - Senior managers. $15,040 for 80-person team.",[13840],{"start":9,"end":7014,"type":3603},{"type":180,"text":13842,"spans":13843},"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":13845,"spans":13846},"Non-cash CNY gift menu (under $200, full tax-free + CPF-free treatment)",[],{"type":4229,"text":13848,"spans":13849},"Premium pineapple tart hamper - $80 to $150. Vendors: Le Cafe, Bengawan Solo, Old Seng Choong.",[13850],{"start":9,"end":11171,"type":3603},{"type":4229,"text":13852,"spans":13853},"Bak kwa hamper from Bee Cheng Hiang or Lim Chee Guan - $90 to $180. Order 3 weeks ahead, queues are real.",[13854],{"start":9,"end":7991,"type":3603},{"type":4229,"text":13856,"spans":13857},"Premium tea set (Tealife, TWG, Ten Ren) - $100 to $180. Goes well with CNY visitation gifting culture.",[13858],{"start":9,"end":10984,"type":3603},{"type":4229,"text":13860,"spans":13861},"Fresh mandarin oranges box (Daiso to Cold Storage premium) - $20 to $80. Combine with another item to get to a bigger gesture.",[13862],{"start":9,"end":8938,"type":3603},{"type":4229,"text":13864,"spans":13865},"Wine or sparkling shiraz under $150 - Suitable for non-Muslim staff. Pair with a card.",[13866],{"start":9,"end":5400,"type":3603},{"type":4229,"text":13868,"spans":13869},"Foodpanda voucher or NTUC FairPrice voucher $100 to $150 - Maximally flexible, no logistics, neutral across all dietary needs.",[13870],{"start":9,"end":6960,"type":3603},{"type":4229,"text":13872,"spans":13873},"Klook or KrisFlyer experience voucher $150 to $200 - Higher perceived value than the dollar suggests, especially with younger staff.",[13874],{"start":9,"end":10977,"type":3603},{"type":180,"text":13876,"spans":13877},"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":13879,"spans":13880},"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.",[13881],{"start":11038,"end":7804,"type":5402,"data":13882},{"link_type":69,"url":8409},[],"text$44cb9f58-04ef-4716-b304-7ec9daeb319f",{"primary":13886,"items":13887,"id":13888,"slice_type":8012,"slice_label":107},{},[],"divider$823e7b34-6632-41a6-ac6e-f012580b80d6",{"primary":13890,"items":13932,"id":13933,"slice_type":7946,"slice_label":107},{"text":13891},[13892,13894,13897,13900,13904,13909,13913,13917,13921,13925,13929],{"type":7951,"text":13536,"spans":13893},[],{"type":180,"text":13895,"spans":13896},"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":13898,"spans":13899},"Halal-friendly Hari Raya gift menu",[],{"type":4229,"text":13901,"spans":13902},"Premium kueh hamper (Bengawan Solo, Polar Puffs, Pine Garden) - $50 to $130. Confirm halal certification on individual items.",[13903],{"start":9,"end":8924,"type":3603},{"type":4229,"text":13905,"spans":13906},"Halal-certified hamper from a major retailer - $80 to $180. Cold Storage, Sheng Siong and FairPrice all do these in Hari Raya season.",[13907],{"start":9,"end":13908,"type":3603},44,{"type":4229,"text":13910,"spans":13911},"Premium dates hamper (Medjool from Iran, Saudi Sukkari) - $50 to $150. Always halal-safe and culturally on-point.",[13912],{"start":9,"end":10958,"type":3603},{"type":4229,"text":13914,"spans":13915},"Halal-certified bak kwa or rendang/satay set - $80 to $150. Vendors: Tian Hao Wei, Saadia.",[13916],{"start":9,"end":13908,"type":3603},{"type":4229,"text":13918,"spans":13919},"Hari Raya outfit voucher or fabric voucher - $100 to $200. Tang's, Naiise, M)phosis often run cards.",[13920],{"start":9,"end":6406,"type":3603},{"type":4229,"text":13922,"spans":13923},"Foodpanda or GrabFood voucher $100 to $150 - Same logic as CNY. Maximally flexible.",[13924],{"start":9,"end":6406,"type":3603},{"type":4229,"text":13926,"spans":13927},"Hari Raya ang pow (cash, traditional green packet) - $50 to $188. Same considerations as CNY ang pow.",[13928],{"start":9,"end":10977,"type":3603},{"type":180,"text":13930,"spans":13931},"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":13935,"items":13936,"id":13937,"slice_type":8012,"slice_label":107},{},[],"divider$6e2b0d74-a677-4546-8d22-68cf92604b90",{"primary":13939,"items":13976,"id":13977,"slice_type":7946,"slice_label":107},{"text":13940},[13941,13943,13946,13949,13953,13957,13961,13965,13969,13973],{"type":7951,"text":13542,"spans":13942},[],{"type":180,"text":13944,"spans":13945},"Deepavali in late October or early November is often the third festive moment in the calendar. Same $200 cap, separate occasion.",[],{"type":171,"text":13947,"spans":13948},"Deepavali gift menu",[],{"type":4229,"text":13950,"spans":13951},"Premium Indian sweets hamper (Komala's, Anjappar, Khansama) - $40 to $120. Confirm halal or vegetarian preference per recipient.",[13952],{"start":9,"end":9688,"type":3603},{"type":4229,"text":13954,"spans":13955},"Premium nut and dried fruit hamper - $80 to $180. Universally welcome, no dietary issues.",[13956],{"start":9,"end":9366,"type":3603},{"type":4229,"text":13958,"spans":13959},"Diya (oil lamp) or rangoli kit - $30 to $100. Cultural and personal, lower price point but high gesture.",[13960],{"start":9,"end":5512,"type":3603},{"type":4229,"text":13962,"spans":13963},"Indian wear voucher or bookstore voucher - $100 to $200. Allows recipient to choose.",[13964],{"start":9,"end":7433,"type":3603},{"type":4229,"text":13966,"spans":13967},"Deepavali ang pow (or equivalent cash gift) - $50 to $188. Cultural neutrality is fine; many Indian families exchange cash on Deepavali.",[13968],{"start":9,"end":5453,"type":3603},{"type":4229,"text":13970,"spans":13971},"Foodpanda or GrabFood voucher $100 to $150 - Reliable default.",[13972],{"start":9,"end":6406,"type":3603},{"type":180,"text":13974,"spans":13975},"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":13979,"items":13980,"id":13981,"slice_type":8012,"slice_label":107},{},[],"divider$757a3b34-d975-44c0-9794-42619163443b",{"primary":13983,"items":14025,"id":14026,"slice_type":7946,"slice_label":107},{"text":13984},[13985,13987,13990,13993,13997,14001,14005,14009,14013,14017,14022],{"type":7951,"text":13548,"spans":13986},[],{"type":180,"text":13988,"spans":13989},"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":13991,"spans":13992},"Christmas / year-end gift menu",[],{"type":4229,"text":13994,"spans":13995},"Premium Christmas hamper (Cold Storage, Marketplace, Eat At Seven) - $80 to $200. The classic.",[13996],{"start":9,"end":11853,"type":3603},{"type":4229,"text":13998,"spans":13999},"Wine + chocolate set under $150 - Suitable for non-Muslim recipients. Pair with a card.",[14000],{"start":9,"end":9708,"type":3603},{"type":4229,"text":14002,"spans":14003},"Spotify, Netflix, Apple One annual gift - $120 to $180. Recurring perceived value, not one-off.",[14004],{"start":9,"end":10984,"type":3603},{"type":4229,"text":14006,"spans":14007},"Bookstore voucher (Kinokuniya, Times) - $100 to $200. Quietly classy.",[14008],{"start":9,"end":7315,"type":3603},{"type":4229,"text":14010,"spans":14011},"Klook experience voucher (massage, staycation) - $100 to $200. Younger staff prefer experiences.",[14012],{"start":9,"end":7972,"type":3603},{"type":4229,"text":14014,"spans":14015},"D&D lucky draw prize cap - Each prize under $200 stays inside the festive concession. Stack across the room.",[14016],{"start":9,"end":6267,"type":3603},{"type":4229,"text":14018,"spans":14019},"Tech accessories (good earphones, MagSafe accessories, mechanical keyboard) - $100 to $200. Engineers genuinely use these.",[14020],{"start":9,"end":14021,"type":3603},75,{"type":180,"text":14023,"spans":14024},"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":14028,"items":14029,"id":14030,"slice_type":8012,"slice_label":107},{},[],"divider$5f4e95ef-75f7-45be-8c8b-79f6bd3b800b",{"primary":14032,"items":14091,"id":14092,"slice_type":7946,"slice_label":107},{"text":14033},[14034,14036,14039,14042,14046,14050,14054,14058,14061,14065,14069,14073,14076,14080,14084,14088],{"type":7951,"text":13554,"spans":14035},[],{"type":180,"text":14037,"spans":14038},"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":14040,"spans":14041},"Birthday gifts",[],{"type":4229,"text":14043,"spans":14044},"Lazada / Shopee voucher $50 to $100 - Standard SME default. Easy to administer.",[14045],{"start":9,"end":5400,"type":3603},{"type":4229,"text":14047,"spans":14048},"Foodpanda or NTUC voucher $80 to $150 - Useful, broadly welcome.",[14049],{"start":9,"end":7315,"type":3603},{"type":4229,"text":14051,"spans":14052},"Personalised cake delivery (Edible Arrangements, Cedele, Awfully Chocolate) - $60 to $120.",[14053],{"start":9,"end":14021,"type":3603},{"type":4229,"text":14055,"spans":14056},"Spa or wellness voucher $100 to $200 - Higher perceived value.",[14057],{"start":9,"end":8029,"type":3603},{"type":171,"text":14059,"spans":14060},"Wedding gifts",[],{"type":4229,"text":14062,"spans":14063},"Wedding ang pow $100 to $200 - Cultural default. Cash counts under the special occasion concession.",[14064],{"start":9,"end":9715,"type":3603},{"type":4229,"text":14066,"spans":14067},"Wedding gift voucher (Tang's, IKEA, Courts) - $150 to $200.",[14068],{"start":9,"end":5453,"type":3603},{"type":4229,"text":14070,"spans":14071},"Group-pooled gift to fund honeymoon stay - Effective if the team chips in. Consider the cap if any single contribution is from the company.",[14072],{"start":9,"end":7433,"type":3603},{"type":171,"text":14074,"spans":14075},"Newborn gifts",[],{"type":4229,"text":14077,"spans":14078},"Baby gift hamper from Mothercare, IKEA, Pupsik - $100 to $200.",[14079],{"start":9,"end":7972,"type":3603},{"type":4229,"text":14081,"spans":14082},"MaMaCare or Lullaby pre-paid postnatal voucher - Up to $200.",[14083],{"start":9,"end":7972,"type":3603},{"type":4229,"text":14085,"spans":14086},"Personalised baby blanket or bib set - $50 to $150.",[14087],{"start":9,"end":8029,"type":3603},{"type":180,"text":14089,"spans":14090},"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$134c90a3-c639-4959-af4f-ed4a6744514e",{"primary":14094,"items":14095,"id":14096,"slice_type":8012,"slice_label":107},{},[],"divider$bb8b0e8e-8ea3-4e3f-818d-8b762a358fd1",{"primary":14098,"items":14148,"id":14149,"slice_type":7946,"slice_label":107},{"text":14099},[14100,14102,14105,14109,14113,14116,14120,14125,14129,14133,14137,14141,14145],{"type":7951,"text":13560,"spans":14101},[],{"type":180,"text":14103,"spans":14104},"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":14106,"spans":14107},"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.",[14108],{"start":9,"end":6275,"type":3603},{"type":4229,"text":14110,"spans":14111},"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.",[14112],{"start":9,"end":7433,"type":3603},{"type":171,"text":14114,"spans":14115},"Non-cash long service award menu under $200",[],{"type":4229,"text":14117,"spans":14118},"Engraved pen (Parker, Cross, Lamy) - $50 to $200. Classical and personal.",[14119],{"start":9,"end":9366,"type":3603},{"type":4229,"text":14121,"spans":14122},"Premium watch under $200 (Casio Edifice, Seiko entry, Daniel Wellington) - $100 to $200.",[14123],{"start":9,"end":14124,"type":3603},72,{"type":4229,"text":14126,"spans":14127},"Crystal trophy or plaque - $80 to $150. The corporate default. Often kept on desks for years.",[14128],{"start":9,"end":6267,"type":3603},{"type":4229,"text":14130,"spans":14131},"Premium diary or leather portfolio (Smythson, Moleskine Pro, Hobonichi) - $60 to $200.",[14132],{"start":9,"end":9593,"type":3603},{"type":4229,"text":14134,"spans":14135},"Engraved fountain pen + ink set - $80 to $180. Lasting and ceremonial.",[14136],{"start":9,"end":9708,"type":3603},{"type":4229,"text":14138,"spans":14139},"Tech upgrade voucher (Apple, Challenger) - $150 to $200. Practical.",[14140],{"start":9,"end":7433,"type":3603},{"type":4229,"text":14142,"spans":14143},"Customised art or framed map of Singapore - $100 to $200.",[14144],{"start":9,"end":10991,"type":3603},{"type":180,"text":14146,"spans":14147},"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":14151,"items":14152,"id":14153,"slice_type":8012,"slice_label":107},{},[],"divider$5bd4cdb4-1c2c-47d3-81c7-865b0188b427",{"primary":14155,"items":14195,"id":14196,"slice_type":7946,"slice_label":107},{"text":14156},[14157,14159,14162,14164,14167,14171,14175,14179,14181,14184,14188,14192],{"type":7951,"text":13566,"spans":14158},[],{"type":180,"text":14160,"spans":14161},"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":13752,"spans":14163},[],{"type":180,"text":14165,"spans":14166},"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":14168,"spans":14169},"Cash bonus award $100 to $200 - Marked clearly as service excellence in payslip notes.",[14170],{"start":9,"end":11171,"type":3603},{"type":4229,"text":14172,"spans":14173},"Voucher of equivalent value $100 to $200 - Cleaner CPF treatment than cash.",[14174],{"start":9,"end":7433,"type":3603},{"type":4229,"text":14176,"spans":14177},"Premium gift item $100 to $200 - Tech, dining experience, weekend stay.",[14178],{"start":9,"end":5512,"type":3603},{"type":171,"text":13767,"spans":14180},[],{"type":180,"text":14182,"spans":14183},"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":14185,"spans":14186},"Standard cash or voucher reward $100 to $200 - The simplest approach.",[14187],{"start":9,"end":13908,"type":3603},{"type":4229,"text":14189,"spans":14190},"Premium gift hamper or experience - $100 to $200.",[14191],{"start":9,"end":13258,"type":3603},{"type":180,"text":14193,"spans":14194},"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":14198,"items":14199,"id":14200,"slice_type":8012,"slice_label":107},{},[],"divider$225dd331-8efd-4e1c-9018-c1018b020ca1",{"primary":14202,"items":14235,"id":14236,"slice_type":7946,"slice_label":107},{"text":14203},[14204,14206,14209,14212,14216,14220,14224,14228,14232],{"type":7951,"text":13572,"spans":14205},[],{"type":180,"text":14207,"spans":14208},"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":14210,"spans":14211},"Practical bereavement gift menu",[],{"type":4229,"text":14213,"spans":14214},"Wreath or floral arrangement - $80 to $300. Sent on behalf of the company to the funeral or wake.",[14215],{"start":9,"end":9715,"type":3603},{"type":4229,"text":14217,"spans":14218},"Cash condolence ang pow ($300 to $1,000) - Singapore cultural norm. Some companies have a documented schedule by relationship (parent vs sibling vs spouse).",[14219],{"start":9,"end":7433,"type":3603},{"type":4229,"text":14221,"spans":14222},"Family meal contribution voucher (Foodpanda, NTUC) - $200 to $500. Practical during the wake period when the family cannot cook.",[14223],{"start":9,"end":10977,"type":3603},{"type":4229,"text":14225,"spans":14226},"Time off (paid bereavement leave above statutory) - 3 to 7 days additional, depending on company policy. Not a gift per se but treated similarly in spirit.",[14227],{"start":9,"end":8600,"type":3603},{"type":4229,"text":14229,"spans":14230},"Donation to a charity in the deceased's name - The company makes the donation; some recipients prefer this to a personal gift.",[14231],{"start":9,"end":13908,"type":3603},{"type":180,"text":14233,"spans":14234},"Best practice: have a written bereavement-gift schedule signed off by the founder. Avoids ad-hoc decisions during emotional moments and ensures equity across staff.",[],[],"text$e11006e1-bc5a-47ee-86bd-b7d9adaba7de",{"primary":14238,"items":14239,"id":14240,"slice_type":8012,"slice_label":107},{},[],"divider$8271a91e-d695-4ebc-ac6c-17c829c35536",{"primary":14242,"items":14266,"id":14267,"slice_type":7946,"slice_label":107},{"text":14243},[14244,14247,14250,14256],{"type":180,"text":14245,"spans":14246,"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":14248,"spans":14249,"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":14251,"spans":14252,"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:",[14253,14255],{"start":6267,"end":13258,"type":5402,"data":14254},{"link_type":69,"url":10575,"target":186},{"start":6267,"end":13258,"type":3603},{"type":180,"text":14257,"spans":14258,"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.",[14259,14261,14262,14265],{"start":9708,"end":7433,"type":5402,"data":14260},{"link_type":69,"url":10871,"target":186},{"start":9708,"end":7433,"type":3603},{"start":8610,"end":14263,"type":5402,"data":14264},89,{"link_type":69,"url":10575,"target":186},{"start":8610,"end":14263,"type":3603},[],"text$6ce95ae1-9aab-4919-bfd9-438aba6845d7",{"id":14269,"uid":14270,"url":107,"type":7846,"href":14271,"tags":14272,"first_publication_date":14273,"last_publication_date":14273,"slugs":14274,"linked_documents":14276,"lang":115,"alternate_languages":14277,"data":14278},"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",[8847,8848,7851],"2026-05-06T03:25:01+0000",[14275],"workfare-income-supplement-2026-singapore-up-to-4900-a-year-for-employees-self-employed-and-platform-workers",[],[],{"title":14279,"seo_title":14283,"seo_meta_description":14287,"featured":16,"expired":16,"noindex":16,"cover_image":14291,"date":7878,"author_link":14299,"body":14302},[14280],{"type":120,"text":14281,"spans":14282},"Workfare Income Supplement 2026 Singapore: Up to $4,900 a Year for Employees, Self-Employed and Platform Workers",[],[14284],{"type":120,"text":14285,"spans":14286},"Workfare Income Supplement 2026 Singapore: Full Guide",[],[14288],{"type":120,"text":14289,"spans":14290},"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":14292,"alt":14295,"copyright":107,"url":14296,"id":14297,"edit":14298},{"width":14293,"height":14294},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":14300,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":14301,"isBroken":16},[],"459f83c1-026f-4e65-b185-fba42bbfe370",[14303,14314,14369,14373,14429,14439,14511,14545,14555,14622,14656,14702,14712,14785,14804,14862,14872,14955,14997],{"primary":14304,"items":14312,"id":14313,"slice_type":7946,"slice_label":107},{"text":14305},[14306,14309],{"type":180,"text":14307,"spans":14308,"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":14310,"spans":14311,"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":14315,"items":14367,"id":14368,"slice_type":7946,"slice_label":107},{"text":14316},[14317,14319,14325,14331,14337,14343,14349,14355,14361],{"type":7951,"text":7952,"spans":14318},[],{"type":180,"text":14320,"spans":14321},"1. What Workfare is and who qualifies in 2026",[14322],{"start":9,"end":8397,"type":5402,"data":14323},{"link_type":69,"url":14324},"#1-what-workfare-is-and-who-qualifies-in-2026",{"type":180,"text":14326,"spans":14327},"2. Workfare for employees: up to $4,900/year (40% cash, 60% CPF)",[14328],{"start":9,"end":8832,"type":5402,"data":14329},{"link_type":69,"url":14330},"#2-workfare-for-employees-up-to-4-900-year-40-cash-60-cpf-",{"type":180,"text":14332,"spans":14333},"3. Workfare for self-employed: up to $3,267/year (10% cash, 90% MediSave)",[14334],{"start":9,"end":9574,"type":5402,"data":14335},{"link_type":69,"url":14336},"#3-workfare-for-self-employed-up-to-3-267-year-10-cash-90-medisave-",{"type":180,"text":14338,"spans":14339},"4. Workfare for platform workers: monthly payouts from 2025, equalised by 2029",[14340],{"start":9,"end":9595,"type":5402,"data":14341},{"link_type":69,"url":14342},"#4-workfare-for-platform-workers-monthly-payouts-from-2025-equalised-by-2029",{"type":180,"text":14344,"spans":14345},"5. Workfare 2026 payout schedule and PayNow vs GovCash",[14346],{"start":9,"end":11979,"type":5402,"data":14347},{"link_type":69,"url":14348},"#5-workfare-2026-payout-schedule-and-paynow-vs-govcash",{"type":180,"text":14350,"spans":14351},"6. The income, AV and property catches that disqualify you",[14352],{"start":9,"end":8938,"type":5402,"data":14353},{"link_type":69,"url":14354},"#6-the-income-av-and-property-catches-that-disqualify-you",{"type":180,"text":14356,"spans":14357},"7. How Workfare stacks with GSTV, Majulah, Assurance Package and CDC Vouchers",[14358],{"start":9,"end":12407,"type":5402,"data":14359},{"link_type":69,"url":14360},"#7-how-workfare-stacks-with-gstv-majulah-assurance-package-and-cdc-vouchers",{"type":180,"text":14362,"spans":14363},"8. Action checklist: claim, calculate, contest",[14364],{"start":9,"end":7972,"type":5402,"data":14365},{"link_type":69,"url":14366},"#8-action-checklist-claim-calculate-contest",[],"text$03e7bf01-8402-49e3-826d-1acd74d900cb",{"primary":14370,"items":14371,"id":14372,"slice_type":8012,"slice_label":107},{},[],"divider$d57b3899-093e-46e7-b8d4-2202d71f6ff1",{"primary":14374,"items":14427,"id":14428,"slice_type":7946,"slice_label":107},{"text":14375},[14376,14378,14381,14385,14389,14393,14398,14402,14406,14409,14412,14416,14420,14424],{"type":7951,"text":14320,"spans":14377,"direction":123},[],{"type":180,"text":14379,"spans":14380,"direction":123},"Workfare has three eligibility shells depending on what kind of worker you are. The shared baseline:",[],{"type":4229,"text":14382,"spans":14383,"direction":123},"Singapore Citizen - PRs do not qualify",[14384],{"start":9,"end":3602,"type":3603},{"type":4229,"text":14386,"spans":14387,"direction":123},"Aged 30 or older as of 31 December of the work year - or a person with disabilities (PWD) of any age",[14388],{"start":9,"end":5401,"type":3603},{"type":4229,"text":14390,"spans":14391,"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.",[14392],{"start":9,"end":10868,"type":3603},{"type":4229,"text":14394,"spans":14395,"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)",[14396],{"start":9,"end":14397,"type":3603},86,{"type":4229,"text":14399,"spans":14400,"direction":123},"You own no more than 1 property - includes HDB, private and non-residential",[14401],{"start":9,"end":9708,"type":3603},{"type":4229,"text":14403,"spans":14404,"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",[14405],{"start":9,"end":5452,"type":3603},{"type":171,"text":14407,"spans":14408,"direction":123},"Concessionary WIS (no income floor)",[],{"type":180,"text":14410,"spans":14411,"direction":123},"The $500/month income floor is waived for three groups - they qualify for $400/year flat-rate concessionary WIS even with zero income:",[],{"type":4229,"text":14413,"spans":14414,"direction":123},"Persons with disabilities (PWDs)",[14415],{"start":9,"end":8595,"type":3603},{"type":4229,"text":14417,"spans":14418,"direction":123},"Workers receiving ComCare Short-to-Medium-Term Assistance (STMA)",[14419],{"start":9,"end":8832,"type":3603},{"type":4229,"text":14421,"spans":14422,"direction":123},"Caregivers of care recipients - typically those residing with someone medically certified to have permanent moderate-to-severe disabilities",[14423],{"start":9,"end":11171,"type":3603},{"type":180,"text":14425,"spans":14426,"direction":123},"This is the same concessionary tier that exists in the Majulah Package Earn and Save Bonus - same three groups, same logic.",[],[],"text$adee5543-93b3-4df5-bb83-d7af65fbbd83",{"primary":14430,"items":14437,"id":14438,"slice_type":7946,"slice_label":107},{"text":14431},[14432,14434],{"type":7951,"text":14326,"spans":14433,"direction":123},[],{"type":180,"text":14435,"spans":14436,"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":14440,"items":14445,"id":14510,"slice_type":8260,"slice_label":107},{"table_title":14441},[14442],{"type":171,"text":14443,"spans":14444},"Employee WIS: maximum annual payout by age",[],[14446,14459,14472,14485,14498],{"col1":14447,"col2":14451,"col3":14455},[14448],{"type":180,"text":14449,"spans":14450},"Age band",[],[14452],{"type":180,"text":14453,"spans":14454},"Work Year 2024 (paid in 2025)",[],[14456],{"type":180,"text":14457,"spans":14458},"Work Year 2025 (paid in 2026)",[],{"col1":14460,"col2":14464,"col3":14468},[14461],{"type":180,"text":14462,"spans":14463},"30-34",[],[14465],{"type":180,"text":14466,"spans":14467},"$2,100",[],[14469],{"type":180,"text":14470,"spans":14471},"$2,450",[],{"col1":14473,"col2":14477,"col3":14481},[14474],{"type":180,"text":14475,"spans":14476},"35-44",[],[14478],{"type":180,"text":14479,"spans":14480},"$3,000",[],[14482],{"type":180,"text":14483,"spans":14484},"$3,500",[],{"col1":14486,"col2":14490,"col3":14494},[14487],{"type":180,"text":14488,"spans":14489},"45-59",[],[14491],{"type":180,"text":14492,"spans":14493},"$3,600",[],[14495],{"type":180,"text":14496,"spans":14497},"$4,200",[],{"col1":14499,"col2":14503,"col3":14506},[14500],{"type":180,"text":14501,"spans":14502},"60 and above (or PWD)",[],[14504],{"type":180,"text":14496,"spans":14505},[],[14507],{"type":180,"text":14508,"spans":14509},"$4,900",[],"table3$1e5c74af-86ad-4725-b2b0-b937c58e63bc",{"primary":14512,"items":14543,"id":14544,"slice_type":7946,"slice_label":107},{"text":14513},[14514,14517,14521,14525,14528,14531,14534,14540],{"type":180,"text":14515,"spans":14516,"direction":123},"Two important nuances:",[],{"type":4229,"text":14518,"spans":14519,"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 $4,900",[14520],{"start":9,"end":6407,"type":3603},{"type":4229,"text":14522,"spans":14523,"direction":123},"Cash split: 40% lands in your bank account (PayNow-NRIC if linked, otherwise the bank you registered with CPF, or GovCash). The other 60% goes into your CPF Ordinary, Special and MediSave accounts in standard allocation ratios",[14524],{"start":9,"end":5452,"type":3603},{"type":171,"text":14526,"spans":14527,"direction":123},"No action needed if you're a CPF-contributing employee",[],{"type":180,"text":14529,"spans":14530,"direction":123},"Your eligibility is automatically assessed every month based on the CPF contributions your employer makes. If your employer is not contributing CPF on your behalf, two steps:",[],{"type":9410,"text":14532,"spans":14533,"direction":123},"Approach your employer first to clarify the discrepancy.",[],{"type":9410,"text":14535,"spans":14536,"direction":123},"If they don't respond satisfactorily, lodge a report with CPF Board via the official enquiry form on cpf.gov.sg or call the CPF hotline at 1800 227 1188.",[14537],{"start":8931,"end":10940,"type":5402,"data":14538},{"link_type":69,"url":14539,"target":186},"https://www.cpf.gov.sg/service/contact-us",{"type":180,"text":14541,"spans":14542,"direction":123},"CPF Board takes employer non-contribution seriously - CPF will pursue back-contributions on your behalf, retroactively triggering any WIS you missed.",[],[],"text$ab2130e9-87b0-4c1d-9053-3c09768ff7d5",{"primary":14546,"items":14553,"id":14554,"slice_type":7946,"slice_label":107},{"text":14547},[14548,14550],{"type":7951,"text":14332,"spans":14549},[],{"type":180,"text":14551,"spans":14552},"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":14556,"items":14561,"id":14621,"slice_type":8260,"slice_label":107},{"table_title":14557},[14558],{"type":171,"text":14559,"spans":14560},"Self-Employed WIS: maximum annual payout by age",[],[14562,14574,14586,14598,14610],{"col1":14563,"col2":14566,"col3":14570},[14564],{"type":180,"text":14449,"spans":14565},[],[14567],{"type":180,"text":14568,"spans":14569},"Work Year 2024 (paid 2025)",[],[14571],{"type":180,"text":14572,"spans":14573},"Work Year 2025 (paid 2026)",[],{"col1":14575,"col2":14578,"col3":14582},[14576],{"type":180,"text":14462,"spans":14577},[],[14579],{"type":180,"text":14580,"spans":14581},"$1,400",[],[14583],{"type":180,"text":14584,"spans":14585},"$1,633",[],{"col1":14587,"col2":14590,"col3":14594},[14588],{"type":180,"text":14475,"spans":14589},[],[14591],{"type":180,"text":14592,"spans":14593},"$2,000",[],[14595],{"type":180,"text":14596,"spans":14597},"$2,333",[],{"col1":14599,"col2":14602,"col3":14606},[14600],{"type":180,"text":14488,"spans":14601},[],[14603],{"type":180,"text":14604,"spans":14605},"$2,400",[],[14607],{"type":180,"text":14608,"spans":14609},"$2,800",[],{"col1":14611,"col2":14614,"col3":14617},[14612],{"type":180,"text":14501,"spans":14613},[],[14615],{"type":180,"text":14608,"spans":14616},[],[14618],{"type":180,"text":14619,"spans":14620},"$3,267",[],"table3$33232937-03b6-4217-92f5-191301fcac7a",{"primary":14623,"items":14654,"id":14655,"slice_type":7946,"slice_label":107},{"text":14624},[14625,14628,14631,14634,14642,14645,14648,14651],{"type":180,"text":14626,"spans":14627},"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":14629,"spans":14630},"Two things SEPs must do (or no WIS)",[],{"type":180,"text":14632,"spans":14633},"Unlike employees, SEPs need to actively complete two steps before payout:",[],{"type":9410,"text":14635,"spans":14636},"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.",[14637],{"start":14638,"end":14639,"type":5402,"data":14640},248,260,{"link_type":69,"url":14641},"https://mytax.iras.gov.sg/",{"type":9410,"text":14643,"spans":14644},"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":14646,"spans":14647},"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":14649,"spans":14650},"What if your NTI is below $6,000?",[],{"type":180,"text":14652,"spans":14653},"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":14657,"items":14700,"id":14701,"slice_type":7946,"slice_label":107},{"text":14658},[14659,14661,14664,14667,14670,14673,14677,14681,14685,14688,14691,14694,14697],{"type":7951,"text":14338,"spans":14660},[],{"type":180,"text":14662,"spans":14663},"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":14665,"spans":14666},"From 2025: monthly WIS via platform CPF deductions",[],{"type":180,"text":14668,"spans":14669},"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":14671,"spans":14672},"Schedule and split (2025 to 2028):",[],{"type":4229,"text":14674,"spans":14675},"Maximum amounts: same as SEPs ($1,633 to $3,267 by age) for now",[14676],{"start":9,"end":6275,"type":3603},{"type":4229,"text":14678,"spans":14679},"Cash split: 10% cash, 90% MediSave - still on SEP-style allocation",[14680],{"start":9,"end":9366,"type":3603},{"type":4229,"text":14682,"spans":14683},"Frequency: monthly, end of month (x+2) for work done in month x",[14684],{"start":9,"end":3601,"type":3603},{"type":171,"text":14686,"spans":14687},"From 2029: equalised with employees IF you opt in",[],{"type":180,"text":14689,"spans":14690},"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":14692,"spans":14693},"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":14695,"spans":14696},"What if your platform isn't deducting CPF?",[],{"type":180,"text":14698,"spans":14699},"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$8f5653b1-c04e-461e-ace2-87fae85f47de",{"primary":14703,"items":14710,"id":14711,"slice_type":7946,"slice_label":107},{"text":14704},[14705,14707],{"type":7951,"text":14344,"spans":14706},[],{"type":180,"text":14708,"spans":14709},"Workfare follows a predictable monthly schedule for employees and platform workers, with PayNow-NRIC delivering payments roughly 2 weeks faster than GovCash:",[],[],"text$ab5351a0-793d-4783-8108-4bbc81e73a02",{"primary":14713,"items":14718,"id":14784,"slice_type":8260,"slice_label":107},{"table_title":14714},[14715],{"type":171,"text":14716,"spans":14717},"Monthly Workfare schedule (employees and platform workers)",[],[14719,14732,14745,14758,14771],{"col1":14720,"col2":14724,"col3":14728},[14721],{"type":180,"text":14722,"spans":14723},"Work done in",[],[14725],{"type":180,"text":14726,"spans":14727},"PayNow-NRIC / Bank crediting",[],[14729],{"type":180,"text":14730,"spans":14731},"GovCash (no PayNow linked)",[],{"col1":14733,"col2":14737,"col3":14741},[14734],{"type":180,"text":14735,"spans":14736},"January",[],[14738],{"type":180,"text":14739,"spans":14740},"End March",[],[14742],{"type":180,"text":14743,"spans":14744},"1st week of April",[],{"col1":14746,"col2":14750,"col3":14754},[14747],{"type":180,"text":14748,"spans":14749},"February",[],[14751],{"type":180,"text":14752,"spans":14753},"End April",[],[14755],{"type":180,"text":14756,"spans":14757},"1st week of May",[],{"col1":14759,"col2":14763,"col3":14767},[14760],{"type":180,"text":14761,"spans":14762},"March",[],[14764],{"type":180,"text":14765,"spans":14766},"End May",[],[14768],{"type":180,"text":14769,"spans":14770},"1st week of June",[],{"col1":14772,"col2":14776,"col3":14780},[14773],{"type":180,"text":14774,"spans":14775},"Month X",[],[14777],{"type":180,"text":14778,"spans":14779},"End of month (X+2)",[],[14781],{"type":180,"text":14782,"spans":14783},"1st week of month (X+3)",[],"table3$72ae4400-f9a0-4ce5-937d-46d2611bfba0",{"primary":14786,"items":14802,"id":14803,"slice_type":7946,"slice_label":107},{"text":14787},[14788,14791,14794,14797],{"type":180,"text":14789,"spans":14790},"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":14792,"spans":14793},"Why PayNow-NRIC matters more for Workfare than for GSTV",[],{"type":180,"text":14795,"spans":14796},"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":14798,"spans":14799},"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.",[14800],{"start":11181,"end":12024,"type":5402,"data":14801},{"link_type":69,"url":9392},[],"text$70598d5e-4cd3-4cae-a740-09c1026ee096",{"primary":14805,"items":14860,"id":14861,"slice_type":7946,"slice_label":107},{"text":14806},[14807,14809,14812,14815,14818,14822,14826,14830,14836,14839,14842,14845,14848,14851,14854,14857],{"type":7951,"text":14350,"spans":14808,"direction":123},[],{"type":180,"text":14810,"spans":14811,"direction":123},"A surprising number of workers ASSUME they qualify but get disqualified by silent criteria. The most common traps:",[],{"type":171,"text":14813,"spans":14814,"direction":123},"The AV $21,000 trap",[],{"type":180,"text":14816,"spans":14817,"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":14819,"spans":14820,"direction":123},"HDB flats: virtually all qualify - even executive HDB flats are likely under $21k AV",[14821],{"start":9,"end":8595,"type":3603},{"type":4229,"text":14823,"spans":14824,"direction":123},"Private condos: smaller and older units may scrape under, but newer or larger condos exceed it",[14825],{"start":9,"end":10455,"type":3603},{"type":4229,"text":14827,"spans":14828,"direction":123},"Landed: almost always exceeds $21k AV",[14829],{"start":9,"end":9861,"type":3603},{"type":180,"text":14831,"spans":14832,"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.",[14833],{"start":6267,"end":10991,"type":5402,"data":14834},{"link_type":69,"url":14835,"target":186},"https://mytax.iras.gov.sg/portal/avs/avsearch",{"type":171,"text":14837,"spans":14838,"direction":123},"The spouse income trap",[],{"type":180,"text":14840,"spans":14841,"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":14843,"spans":14844,"direction":123},"The 12-month average income trap",[],{"type":180,"text":14846,"spans":14847,"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 $3,000. Workers who got a recent pay raise or returned from a high-paying gig can find themselves disqualified despite being currently within the cap.",[],{"type":171,"text":14849,"spans":14850,"direction":123},"The \"more than 1 property\" trap",[],{"type":180,"text":14852,"spans":14853,"direction":123},"Owning 2+ properties (including non-residential like a small commercial unit) disqualifies you outright, regardless of income. The AV check applies to your primary residence; the property count is separate.",[],{"type":171,"text":14855,"spans":14856,"direction":123},"The unemployment trap",[],{"type":180,"text":14858,"spans":14859,"direction":123},"Workfare requires you to actually work in the assessment month. If you're unemployed, you don't qualify for that month - even if you would have been eligible by all other criteria. WIS resumes the moment you start working again (and CPF contributions get made on your behalf).",[],[],"text$c26091cb-e419-42cf-9a86-268e3baa0baa",{"primary":14863,"items":14870,"id":14871,"slice_type":7946,"slice_label":107},{"text":14864},[14865,14867],{"type":7951,"text":14356,"spans":14866},[],{"type":180,"text":14868,"spans":14869},"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":14873,"items":14878,"id":14954,"slice_type":8260,"slice_label":107},{"table_title":14874},[14875],{"type":171,"text":14876,"spans":14877},"Workfare vs other government schemes 2026",[],[14879,14891,14904,14916,14929,14942],{"col1":14880,"col2":14883,"col3":14887},[14881],{"type":180,"text":9492,"spans":14882},[],[14884],{"type":180,"text":14885,"spans":14886},"Who qualifies",[],[14888],{"type":180,"text":14889,"spans":14890},"What you get",[],{"col1":14892,"col2":14896,"col3":14900},[14893],{"type":180,"text":14894,"spans":14895},"Workfare (WIS)",[],[14897],{"type":180,"text":14898,"spans":14899},"SC 30+, income $500-$3k/mo, AV ≤ $21k, ≤1 property",[],[14901],{"type":180,"text":14902,"spans":14903},"Up to $4,900/year (employee), $3,267 (SEP/platform)",[],{"col1":14905,"col2":14908,"col3":14912},[14906],{"type":180,"text":9504,"spans":14907},[],[14909],{"type":180,"text":14910,"spans":14911},"SC 21+, AI ≤ $39k, AV ≤ $31k",[],[14913],{"type":180,"text":14914,"spans":14915},"Up to $850 Cash + $450 MediSave + U-Save annually",[],{"col1":14917,"col2":14921,"col3":14925},[14918],{"type":180,"text":14919,"spans":14920},"Majulah Package",[],[14922],{"type":180,"text":14923,"spans":14924},"SC born 1973 or earlier, working, AV ≤ $31k",[],[14926],{"type":180,"text":14927,"spans":14928},"ESB up to $1,000/year to CPF + one-time RSB/MediSave (already paid)",[],{"col1":14930,"col2":14934,"col3":14938},[14931],{"type":180,"text":14932,"spans":14933},"Assurance Package",[],[14935],{"type":180,"text":14936,"spans":14937},"All SC adults",[],[14939],{"type":180,"text":14940,"spans":14941},"Final $250 Cash tranche Dec 2026, then ENDS",[],{"col1":14943,"col2":14946,"col3":14950},[14944],{"type":180,"text":9517,"spans":14945},[],[14947],{"type":180,"text":14948,"spans":14949},"All SC households",[],[14951],{"type":180,"text":14952,"spans":14953},"$300/household/year (split hawker + supermarket)",[],"table3$c3e500b3-d7ee-4c68-80bf-48a33670f44a",{"primary":14956,"items":14995,"id":14996,"slice_type":7946,"slice_label":107},{"text":14957},[14958,14961,14965,14972,14979,14986,14992],{"type":180,"text":14959,"spans":14960,"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":14962,"spans":14963,"direction":123},"Workfare: $4,900/year ($1,960 cash to bank monthly + $2,940 to CPF) - new in 2026",[14964],{"start":9,"end":8951,"type":3603},{"type":4229,"text":14966,"spans":14967,"direction":123},"Majulah ESB: $1,000/year to CPF (paid March 2026) - see our Majulah guide",[14968,14969],{"start":9,"end":8600,"type":3603},{"start":6960,"end":9574,"type":5402,"data":14970},{"link_type":69,"url":14971,"target":186},"https://divedeals.sg/blog/majulah-package-2026-singapore-earn-save-bonus-young-seniors",{"type":4229,"text":14973,"spans":14974,"direction":123},"GSTV 2026: ~$850 Cash + $450 MediSave + U-Save in August - see our GSTV guide",[14975,14976],{"start":9,"end":6960,"type":3603},{"start":7965,"end":12407,"type":5402,"data":14977},{"link_type":69,"url":14978,"target":186},"https://divedeals.sg/blog/gst-voucher-2026-singapore-cash-medisave-usave",{"type":4229,"text":14980,"spans":14981,"direction":123},"Assurance Package: final $250 Cash tranche in December - see our AP guide",[14982,14983],{"start":9,"end":11979,"type":3603},{"start":8924,"end":9574,"type":5402,"data":14984},{"link_type":69,"url":14985,"target":186},"https://divedeals.sg/blog/assurance-package-2026-singapore-final-cash-payout",{"type":4229,"text":14987,"spans":14988,"direction":123},"CDC Vouchers: $300/year - see our CDC guide",[14989,14990],{"start":9,"end":7475,"type":3603},{"start":5512,"end":5453,"type":5402,"data":14991},{"link_type":69,"url":9576,"target":186},{"type":180,"text":14993,"spans":14994,"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":14998,"items":15067,"id":15068,"slice_type":7946,"slice_label":107},{"text":14999},[15000,15002,15005,15008,15011,15017,15020,15023,15026,15029,15032,15035,15038,15041,15044,15047,15050,15053,15056,15059,15062],{"type":7951,"text":14362,"spans":15001},[],{"type":171,"text":15003,"spans":15004},"If you're an employee",[],{"type":9410,"text":15006,"spans":15007},"Verify CPF contributions are being made: log into cpf.gov.sg with Singpass and check your contribution statement.",[],{"type":9410,"text":15009,"spans":15010},"Link PayNow-NRIC at your bank if not already done - 2 minutes via mobile app.",[],{"type":9410,"text":15012,"spans":15013},"Use the WIS calculator on cpf.gov.sg to estimate your annual payout based on your income and age.",[15014],{"start":11354,"end":8029,"type":5402,"data":15015},{"link_type":69,"url":15016},"https://www.cpf.gov.sg/member/tools-and-services/calculators/workfare-income-supplement-employee-work-year-2025-calculator",{"type":9410,"text":15018,"spans":15019},"Check WIS payments on the WIS e-services - shows your eligibility, payments and any actions needed.",[],{"type":9410,"text":15021,"spans":15022},"If your employer isn't contributing CPF: clarify with them, then report to CPF Board if unresolved.",[],{"type":171,"text":15024,"spans":15025},"If you're self-employed",[],{"type":9410,"text":15027,"spans":15028},"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":9410,"text":15030,"spans":15031},"Pay your MediSave contribution in full based on your assessed NTI - the amount is shown in your WIS e-services dashboard.",[],{"type":9410,"text":15033,"spans":15034},"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":9410,"text":15036,"spans":15037},"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":15039,"spans":15040},"If you're a platform worker",[],{"type":9410,"text":15042,"spans":15043},"Confirm your platform operator is deducting and submitting CPF contributions on your behalf each month - check via cpf.gov.sg.",[],{"type":9410,"text":15045,"spans":15046},"Decide on opt-in to increased CPF contributions before 2029 - this unlocks the higher employee-equivalent WIS rate.",[],{"type":9410,"text":15048,"spans":15049},"Same monthly payout schedule applies - link PayNow-NRIC for fastest receipt.",[],{"type":171,"text":15051,"spans":15052},"If you think you should qualify but didn't get paid",[],{"type":9410,"text":15054,"spans":15055},"Check your AV at mytax.iras.gov.sg - the $21k cap is the most common silent disqualifier.",[],{"type":9410,"text":15057,"spans":15058},"Check your spouse's assessable income (if married) - the $70k spouse cap is the second most common.",[],{"type":9410,"text":15060,"spans":15061},"Check your 12-month average income, not just current month - a recent pay raise can push you over.",[],{"type":9410,"text":15063,"spans":15064},"Contact CPF Board: WIS hotline 1800 227 1188 (Mon-Fri 8am-5.30pm), or file an enquiry via cpf.gov.sg.",[15065],{"start":10883,"end":7917,"type":5402,"data":15066},{"link_type":69,"url":14539},[],"text$63d5ec6a-b80a-4db1-b9d2-5be1b37e9bda",{"id":15070,"uid":15071,"url":107,"type":7846,"href":15072,"tags":15073,"first_publication_date":15074,"last_publication_date":15074,"slugs":15075,"linked_documents":15077,"lang":115,"alternate_languages":15078,"data":15079},"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",[8847,8848,7851],"2026-05-05T03:32:51+0000",[15076],"assurance-package-2026-singapore-the-final-250-cash-tranche-this-december-and-what-replaces-it",[],[],{"title":15080,"seo_title":15084,"seo_meta_description":15088,"featured":16,"expired":16,"noindex":16,"cover_image":15092,"date":4124,"author_link":15100,"body":15103},[15081],{"type":120,"text":15082,"spans":15083},"Assurance Package 2026 Singapore: The Final $250 Cash Tranche This December and What Replaces It",[],[15085],{"type":120,"text":15086,"spans":15087},"Assurance Package 2026 Singapore: Final $250 Cash Tranche",[],[15089],{"type":120,"text":15090,"spans":15091},"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":15093,"alt":15096,"copyright":107,"url":15097,"id":15098,"edit":15099},{"width":15094,"height":15095},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":15101,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":15102,"isBroken":16},[],"89a5fdc3-6e73-4b78-aa7a-eca327d5819d",[15104,15115,15165,15169,15205,15218,15302,15324,15352,15365,15459,15474,15514,15524,15593,15630],{"primary":15105,"items":15113,"id":15114,"slice_type":7946,"slice_label":107},{"text":15106},[15107,15110],{"type":180,"text":15108,"spans":15109,"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":15111,"spans":15112,"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":15116,"items":15163,"id":15164,"slice_type":7946,"slice_label":107},{"text":15117},[15118,15120,15126,15132,15138,15144,15150,15157],{"type":7951,"text":7952,"spans":15119},[],{"type":180,"text":15121,"spans":15122},"1. What the Assurance Package is, and why it's ending in 2026",[15123],{"start":9,"end":8924,"type":5402,"data":15124},{"link_type":69,"url":15125},"#1-what-the-assurance-package-is-and-why-it-s-ending-in-2026",{"type":180,"text":15127,"spans":15128},"2. AP Cash 2026: the final $250 tranche arriving December 2026",[15129],{"start":9,"end":12785,"type":5402,"data":15130},{"link_type":69,"url":15131},"#2-ap-cash-2026-the-final-250-tranche-arriving-december-2026",{"type":180,"text":15133,"spans":15134},"3. AP MediSave and Seniors' Bonus: both already ended in February 2025",[15135],{"start":9,"end":12943,"type":5402,"data":15136},{"link_type":69,"url":15137},"#3-ap-medisave-and-seniors-bonus-both-already-ended-in-february-2025",{"type":180,"text":15139,"spans":15140},"4. AP U-Save 2026: the final $95 quarter that stacks on GSTV and B2026",[15141],{"start":9,"end":12943,"type":5402,"data":15142},{"link_type":69,"url":15143},"#4-ap-u-save-2026-the-final-95-quarter-that-stacks-on-gstv-and-b2026",{"type":180,"text":15145,"spans":15146},"5. Payout dates, payment methods, and the PayNow-NRIC trick",[15147],{"start":9,"end":9688,"type":5402,"data":15148},{"link_type":69,"url":15149},"#5-payout-dates-payment-methods-and-the-paynow-nric-trick",{"type":180,"text":15151,"spans":15152},"6. Assurance Package vs GSTV vs Budget 2026 measures: which is which",[15153],{"start":9,"end":15154,"type":5402,"data":15155},68,{"link_type":69,"url":15156},"#6-assurance-package-vs-gstv-vs-budget-2026-measures-which-is-which",{"type":180,"text":15158,"spans":15159},"7. The full government cash stack 2026 and what to do before AP ends",[15160],{"start":9,"end":15154,"type":5402,"data":15161},{"link_type":69,"url":15162},"#7-the-full-government-cash-stack-2026-and-what-to-do-before-ap-ends",[],"text$52ebd8e3-efc5-46ee-84a3-57fc2c69f94d",{"primary":15166,"items":15167,"id":15168,"slice_type":8012,"slice_label":107},{},[],"divider$f3b94a35-db0b-49be-a455-692a3c1cfbe7",{"primary":15170,"items":15203,"id":15204,"slice_type":7946,"slice_label":107},{"text":15171},[15172,15174,15177,15180,15184,15188,15192,15196,15200],{"type":7951,"text":15121,"spans":15173},[],{"type":180,"text":15175,"spans":15176},"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":15178,"spans":15179},"AP comprises five distinct sub-schemes, each with its own eligibility and timeline:",[],{"type":4229,"text":15181,"spans":15182},"AP Cash: 5 annual payouts from Dec 2022 to Dec 2026, up to $2,250 total per eligible adult",[15183],{"start":9,"end":11354,"type":3603},{"type":4229,"text":15185,"spans":15186},"AP MediSave: 3 annual payouts of $150 each from Feb 2023 to Feb 2025 - ENDED",[15187],{"start":9,"end":15154,"type":3603},{"type":4229,"text":15189,"spans":15190},"AP Seniors' Bonus: 3 annual payouts from Feb 2023 to Feb 2025 for lower-income seniors - ENDED",[15191],{"start":9,"end":14397,"type":3603},{"type":4229,"text":15193,"spans":15194},"AP U-Save: HDB rebates from 2023 to 2026, doubled or tripled the regular GSTV U-Save in those years",[15195],{"start":9,"end":3601,"type":3603},{"type":4229,"text":15197,"spans":15198},"AP CDC Vouchers: bonus CDC tranches stacked on top of the regular CDC scheme",[15199],{"start":9,"end":6275,"type":3603},{"type":180,"text":15201,"spans":15202},"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":15206,"items":15216,"id":15217,"slice_type":7946,"slice_label":107},{"text":15207},[15208,15210,15213],{"type":7951,"text":15127,"spans":15209},[],{"type":180,"text":15211,"spans":15212},"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":15214,"spans":15215},"The amount you get depends on your AI band and whether you own more than one property:",[],[],"text$54900897-ba03-4963-9c4e-320cbdfd2e9d",{"primary":15219,"items":15224,"id":15301,"slice_type":9324,"slice_label":107},{"table_title":15220},[15221],{"type":171,"text":15222,"spans":15223},"AP Cash payout by AI band (Dec 2025 + Dec 2026)",[],[15225,15242,15257,15271,15286],{"col1":15226,"col2":15230,"col3":15234,"col4":15238},[15227],{"type":180,"text":15228,"spans":15229},"Assessable Income (AI)",[],[15231],{"type":180,"text":15232,"spans":15233},"Owns 0-1 property",[],[15235],{"type":180,"text":15236,"spans":15237},"Dec 2025 (already paid)",[],[15239],{"type":180,"text":15240,"spans":15241},"Dec 2026 (FINAL)",[],{"col1":15243,"col2":15247,"col3":15251,"col4":15254},[15244],{"type":180,"text":15245,"spans":15246},"Up to $39,000",[],[15248],{"type":180,"text":15249,"spans":15250},"Yes",[],[15252],{"type":180,"text":10818,"spans":15253},[],[15255],{"type":180,"text":9162,"spans":15256},[],{"col1":15258,"col2":15262,"col3":15265,"col4":15268},[15259],{"type":180,"text":15260,"spans":15261},"$39,001 to $100,000",[],[15263],{"type":180,"text":15249,"spans":15264},[],[15266],{"type":180,"text":9175,"spans":15267},[],[15269],{"type":180,"text":9166,"spans":15270},[],{"col1":15272,"col2":15276,"col3":15279,"col4":15283},[15273],{"type":180,"text":15274,"spans":15275},"More than $100,000",[],[15277],{"type":180,"text":15249,"spans":15278},[],[15280],{"type":180,"text":15281,"spans":15282},"$100",[],[15284],{"type":180,"text":15281,"spans":15285},[],{"col1":15287,"col2":15291,"col3":15295,"col4":15298},[15288],{"type":180,"text":15289,"spans":15290},"Any income",[],[15292],{"type":180,"text":15293,"spans":15294},"Owns more than 1",[],[15296],{"type":180,"text":15281,"spans":15297},[],[15299],{"type":180,"text":15281,"spans":15300},[],"table__4_columns_$18286ee6-922a-4ad6-8d1c-c6322a382a6c",{"primary":15303,"items":15322,"id":15323,"slice_type":7946,"slice_label":107},{"text":15304},[15305,15308,15311,15314,15319],{"type":180,"text":15306,"spans":15307},"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":15309,"spans":15310},"How AI is calculated for the final tranche",[],{"type":180,"text":15312,"spans":15313},"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":15315,"spans":15316},"You can check your AI on myTax Portal: log in with Singpass > Notices/Letters > Individual > select Year of Assessment 2026.",[15317],{"start":6407,"end":7315,"type":5402,"data":15318},{"link_type":69,"url":14641},{"type":180,"text":15320,"spans":15321},"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":15325,"items":15350,"id":15351,"slice_type":7946,"slice_label":107},{"text":15326},[15327,15329,15332,15335,15338,15341,15344,15347],{"type":7951,"text":15133,"spans":15328},[],{"type":180,"text":15330,"spans":15331},"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":15333,"spans":15334},"AP MediSave (ended Feb 2025)",[],{"type":180,"text":15336,"spans":15337},"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":15339,"spans":15340},"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":15342,"spans":15343},"AP Seniors' Bonus (ended Feb 2025)",[],{"type":180,"text":15345,"spans":15346},"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":15348,"spans":15349},"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$0832a154-31dd-4554-9653-bca90d961e90",{"primary":15353,"items":15363,"id":15364,"slice_type":7946,"slice_label":107},{"text":15354},[15355,15357,15360],{"type":7951,"text":15139,"spans":15356},[],{"type":180,"text":15358,"spans":15359},"AP U-Save was the bonus HDB utilities rebate stacked on top of the regular GSTV U-Save from 2023 to 2026. Eligibility: at least one Singapore Citizen owner or occupier in the flat, no household member owns more than one property.",[],{"type":180,"text":15361,"spans":15362},"The final AP U-Save tranche arrived in January 2026. From April 2026 onwards, only the regular GSTV U-Save plus the new B2026 COL top-up continues.",[],[],"text$ef29aca0-c34d-498a-9274-35584b6f082c",{"primary":15366,"items":15371,"id":15458,"slice_type":9324,"slice_label":107},{"table_title":15367},[15368],{"type":171,"text":15369,"spans":15370},"AP U-Save total per HDB flat type (2023 to 2026)",[],[15372,15388,15402,15416,15430,15444],{"col1":15373,"col2":15376,"col3":15380,"col4":15384},[15374],{"type":180,"text":9226,"spans":15375},[],[15377],{"type":180,"text":15378,"spans":15379},"AP U-Save Jan 2026 (final)",[],[15381],{"type":180,"text":15382,"spans":15383},"AP U-Save total 2023-2026",[],[15385],{"type":180,"text":15386,"spans":15387},"Regular GSTV U-Save per year",[],{"col1":15389,"col2":15392,"col3":15395,"col4":15398},[15390],{"type":180,"text":9243,"spans":15391},[],[15393],{"type":180,"text":9247,"spans":15394},[],[15396],{"type":180,"text":9255,"spans":15397},[],[15399],{"type":180,"text":15400,"spans":15401},"$380",[],{"col1":15403,"col2":15406,"col3":15409,"col4":15412},[15404],{"type":180,"text":9260,"spans":15405},[],[15407],{"type":180,"text":9264,"spans":15408},[],[15410],{"type":180,"text":9272,"spans":15411},[],[15413],{"type":180,"text":15414,"spans":15415},"$340",[],{"col1":15417,"col2":15420,"col3":15423,"col4":15426},[15418],{"type":180,"text":9277,"spans":15419},[],[15421],{"type":180,"text":9281,"spans":15422},[],[15424],{"type":180,"text":9103,"spans":15425},[],[15427],{"type":180,"text":15428,"spans":15429},"$300",[],{"col1":15431,"col2":15434,"col3":15437,"col4":15440},[15432],{"type":180,"text":9292,"spans":15433},[],[15435],{"type":180,"text":9296,"spans":15436},[],[15438],{"type":180,"text":9304,"spans":15439},[],[15441],{"type":180,"text":15442,"spans":15443},"$260",[],{"col1":15445,"col2":15448,"col3":15451,"col4":15454},[15446],{"type":180,"text":9309,"spans":15447},[],[15449],{"type":180,"text":9313,"spans":15450},[],[15452],{"type":180,"text":9321,"spans":15453},[],[15455],{"type":180,"text":15456,"spans":15457},"$220",[],"table__4_columns_$e1c0c458-d74c-4c67-bc08-50d7e3f16f55",{"primary":15460,"items":15472,"id":15473,"slice_type":7946,"slice_label":107},{"text":15461},[15462,15469],{"type":180,"text":15463,"spans":15464},"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.",[15465],{"start":15466,"end":15467,"type":5402,"data":15468},292,311,{"link_type":69,"url":14978},{"type":180,"text":15470,"spans":15471},"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":15475,"items":15512,"id":15513,"slice_type":7946,"slice_label":107},{"text":15476},[15477,15479,15482,15484,15488,15492,15496,15500,15503,15506,15509],{"type":7951,"text":15145,"spans":15478},[],{"type":180,"text":15480,"spans":15481},"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":9356,"spans":15483},[],{"type":4229,"text":15485,"spans":15486},"PayNow-NRIC: By around 5 December 2026 (the fastest option, default for anyone with PayNow-NRIC linked)",[15487],{"start":9,"end":7014,"type":3603},{"type":4229,"text":15489,"spans":15490},"Bank crediting: By around 16 December 2026 (if you provided bank details to the Government but not PayNow-NRIC)",[15491],{"start":9,"end":10455,"type":3603},{"type":4229,"text":15493,"spans":15494},"GovCash: By around 22 December 2026 (slowest, withdraw at any OCBC ATM)",[15495],{"start":9,"end":11354,"type":3603},{"type":4229,"text":15497,"spans":15498},"AP U-Save: Last tranche arrived January 2026 (already credited)",[15499],{"start":9,"end":3601,"type":3603},{"type":180,"text":15501,"spans":15502},"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":15504,"spans":15505},"The PayNow-NRIC trick",[],{"type":180,"text":15507,"spans":15508},"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":15510,"spans":15511},"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$18c3575d-c467-41eb-bcab-c990c29f102a",{"primary":15515,"items":15522,"id":15523,"slice_type":7946,"slice_label":107},{"text":15516},[15517,15519],{"type":7951,"text":15151,"spans":15518},[],{"type":180,"text":15520,"spans":15521},"The biggest source of confusion: AP, GSTV, B2025 COL and B2026 measures all run in parallel and credit to the same bank account. Here's the disambiguation:",[],[],"text$d63118d0-5c7f-4786-b311-e525fb3726c3",{"primary":15525,"items":15530,"id":15592,"slice_type":8260,"slice_label":107},{"table_title":15526},[15527],{"type":171,"text":15528,"spans":15529},"Assurance Package vs GSTV vs Budget COL measures",[],[15531,15542,15554,15566,15579],{"col1":15532,"col2":15535,"col3":15538},[15533],{"type":180,"text":9492,"spans":15534},[],[15536],{"type":180,"text":8984,"spans":15537},[],[15539],{"type":180,"text":15540,"spans":15541},"Status in 2026",[],{"col1":15543,"col2":15546,"col3":15550},[15544],{"type":180,"text":14932,"spans":15545},[],[15547],{"type":180,"text":15548,"spans":15549},"Up to $250 Cash + $95 U-Save (final), CDC Vouchers",[],[15551],{"type":180,"text":15552,"spans":15553},"WINDING DOWN - final cash tranche Dec 2026",[],{"col1":15555,"col2":15558,"col3":15562},[15556],{"type":180,"text":9504,"spans":15557},[],[15559],{"type":180,"text":15560,"spans":15561},"Up to $850 Cash + $450 MediSave + $570 U-Save annually",[],[15563],{"type":180,"text":15564,"spans":15565},"PERMANENT - continues forever",[],{"col1":15567,"col2":15571,"col3":15575},[15568],{"type":180,"text":15569,"spans":15570},"B2025 COL Support",[],[15572],{"type":180,"text":15573,"spans":15574},"Extra U-Save + $300 CDC Vouchers paid Jan 2026",[],[15576],{"type":180,"text":15577,"spans":15578},"ENDED - all tranches paid out",[],{"col1":15580,"col2":15584,"col3":15588},[15581],{"type":180,"text":15582,"spans":15583},"B2026 measures",[],[15585],{"type":180,"text":15586,"spans":15587},"B2026 U-Save top-up (1.5x GSTV U-Save), other Budget 2026 items",[],[15589],{"type":180,"text":15590,"spans":15591},"ACTIVE - kicks in FY2026",[],"table3$0dd274e4-ff32-4afb-8ead-6328d2a66cd5",{"primary":15594,"items":15628,"id":15629,"slice_type":7946,"slice_label":107},{"text":15595},[15596,15599,15603,15607,15611,15615,15619],{"type":180,"text":15597,"spans":15598},"What changes for an eligible household in 2027 once AP fully ends:",[],{"type":4229,"text":15600,"spans":15601},"AP Cash gone: lose up to $250-$600 of December cash that you've had for 5 years",[15602],{"start":9,"end":5703,"type":3603},{"type":4229,"text":15604,"spans":15605},"GSTV Cash continues: still up to $850/year in August, no change",[15606],{"start":9,"end":10614,"type":3603},{"type":4229,"text":15608,"spans":15609},"AP U-Save gone: lose roughly $190-$380 of bonus annual rebates depending on flat type",[15610],{"start":9,"end":10455,"type":3603},{"type":4229,"text":15612,"spans":15613},"GSTV U-Save continues at base rate ($220-$380/year) plus any future Budget COL top-ups",[15614],{"start":9,"end":14397,"type":3603},{"type":4229,"text":15616,"spans":15617},"CDC Vouchers continue separately under their own scheme - $300/year baseline, plus Budget tranches",[15618],{"start":9,"end":10958,"type":3603},{"type":180,"text":15620,"spans":15621},"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.",[15622,15624,15626],{"start":9715,"end":5453,"type":5402,"data":15623},{"link_type":69,"url":14978},{"start":8397,"end":12785,"type":5402,"data":15625},{"link_type":69,"url":9576},{"start":8832,"end":13447,"type":5402,"data":15627},{"link_type":69,"url":9588},[],"text$02da5b97-3a61-4ff1-afc7-71b9b840990a",{"primary":15631,"items":15682,"id":15683,"slice_type":7946,"slice_label":107},{"text":15632},[15633,15635,15638,15642,15648,15654,15657,15662,15667,15672,15675],{"type":7951,"text":15158,"spans":15634,"direction":123},[],{"type":180,"text":15636,"spans":15637,"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":15639,"spans":15640,"direction":123},"Assurance Package 2026 (FINAL): up to $250 Cash in December + $95 U-Save already paid Jan",[15641],{"start":9,"end":9708,"type":3603},{"type":4229,"text":15643,"spans":15644,"direction":123},"GST Voucher 2026: up to $850 Cash + $450 MediSave + 1.5x U-Save (~$450 for 4-room) - see our GSTV guide",[15645,15646],{"start":9,"end":10868,"type":3603},{"start":14263,"end":9596,"type":5402,"data":15647},{"link_type":69,"url":14978,"target":186},{"type":4229,"text":15649,"spans":15650,"direction":123},"CDC Vouchers: $300 baseline per household, expires 31 Dec 2026 - see our CDC guide",[15651,15652],{"start":9,"end":12785,"type":3603},{"start":6961,"end":10868,"type":5402,"data":15653},{"link_type":69,"url":9576,"target":186},{"type":4229,"text":9578,"spans":15655,"direction":123},[15656],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9582,"spans":15658,"direction":123},[15659,15660],{"start":9,"end":9573,"type":3603},{"start":8951,"end":9586,"type":5402,"data":15661},{"link_type":69,"url":9588,"target":186},{"type":4229,"text":9590,"spans":15663,"direction":123},[15664,15665],{"start":9,"end":9593,"type":3603},{"start":9595,"end":9596,"type":5402,"data":15666},{"link_type":69,"url":9598,"target":186},{"type":4229,"text":9600,"spans":15668,"direction":123},[15669,15670],{"start":9,"end":6960,"type":3603},{"start":7965,"end":8610,"type":5402,"data":15671},{"link_type":69,"url":9605,"target":186},{"type":180,"text":15673,"spans":15674,"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":15676,"spans":15677,"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.",[15678],{"start":15679,"end":15680,"type":5402,"data":15681},125,167,{"link_type":69,"url":9466,"target":186},[],"text$1d6b520f-5938-4ae4-8d6b-cc86a963a997",{"id":15685,"uid":15686,"url":107,"type":7846,"href":15687,"tags":15688,"first_publication_date":15689,"last_publication_date":15689,"slugs":15690,"linked_documents":15692,"lang":115,"alternate_languages":15693,"data":15694},"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",[8847,8848,7851],"2026-05-05T05:17:17+0000",[15691],"majulah-package-2026-singapore-1000-earn-and-save-bonus-rsb-and-medisave-bonus-for-singaporeans-born-1973-or-earlier",[],[],{"title":15695,"seo_title":15699,"seo_meta_description":15703,"featured":16,"expired":16,"noindex":16,"cover_image":15707,"date":4124,"author_link":15714,"body":15717},[15696],{"type":120,"text":15697,"spans":15698},"Majulah Package 2026 Singapore: $1,000 Earn and Save Bonus, RSB, and MediSave Bonus for Singaporeans Born 1973 or Earlier",[],[15700],{"type":120,"text":15701,"spans":15702},"Majulah Package 2026 Singapore: ESB, RSB, MediSave Bonus",[],[15704],{"type":120,"text":15705,"spans":15706},"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":15708,"alt":15710,"copyright":107,"url":15711,"id":15712,"edit":15713},{"width":7513,"height":15709},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":15715,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":15716,"isBroken":16},[],"23b5fbb7-d46a-4021-9b10-b9fb7b600c8d",[15718,15737,15787,15791,15836,15865,15923,15943,15977,16018,16062,16072,16138,16172],{"primary":15719,"items":15735,"id":15736,"slice_type":7946,"slice_label":107},{"text":15720},[15721,15724,15727],{"type":180,"text":15722,"spans":15723},"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":15725,"spans":15726},"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":15728,"spans":15729},"This guide pulls every number from govbenefits.gov.sg (last updated 21 April 2026). Last verified: 5 May 2026.",[15730,15732],{"start":9,"end":15731,"type":7900},110,{"start":5400,"end":9571,"type":5402,"data":15733},{"link_type":69,"url":15734},"https://www.govbenefits.gov.sg/about-us/majulah-package/overview/",[],"text$8efbe67b-c4d5-4234-a389-8911bbbf0e3e",{"primary":15738,"items":15785,"id":15786,"slice_type":7946,"slice_label":107},{"text":15739},[15740,15742,15748,15754,15760,15767,15773,15779],{"type":7951,"text":7952,"spans":15741},[],{"type":180,"text":15743,"spans":15744},"1. What the Majulah Package is, and who qualifies (born 1973 or earlier)",[15745],{"start":9,"end":14124,"type":5402,"data":15746},{"link_type":69,"url":15747},"#1-what-the-majulah-package-is-and-who-qualifies-born-1973-or-earlier-",{"type":180,"text":15749,"spans":15750},"2. Earn and Save Bonus 2026: $400 to $1,000 paid into CPF in March",[15751],{"start":9,"end":11853,"type":5402,"data":15752},{"link_type":69,"url":15753},"#2-earn-and-save-bonus-2026-400-to-1-000-paid-into-cpf-in-march",{"type":180,"text":15755,"spans":15756},"3. Retirement Savings Bonus and MediSave Bonus: both already paid in December 2024",[15757],{"start":9,"end":10868,"type":5402,"data":15758},{"link_type":69,"url":15759},"#3-retirement-savings-bonus-and-medisave-bonus-both-already-paid-in-december-2024",{"type":180,"text":15761,"spans":15762},"4. Where the money lands: Retirement Account, Special Account, Ordinary Account",[15763],{"start":9,"end":15764,"type":5402,"data":15765},79,{"link_type":69,"url":15766},"#4-where-the-money-lands-retirement-account-special-account-ordinary-account",{"type":180,"text":15768,"spans":15769},"5. How to confirm your 2026 ESB landed and plan for 2027",[15770],{"start":9,"end":6960,"type":5402,"data":15771},{"link_type":69,"url":15772},"#5-how-to-confirm-your-2026-esb-landed-and-plan-for-2027",{"type":180,"text":15774,"spans":15775},"6. Majulah vs GSTV vs Assurance Package vs Silver Support: which is which",[15776],{"start":9,"end":9574,"type":5402,"data":15777},{"link_type":69,"url":15778},"#6-majulah-vs-gstv-vs-assurance-package-vs-silver-support-which-is-which",{"type":180,"text":15780,"spans":15781},"7. The full claimable government cash stack 2026 for Young Seniors",[15782],{"start":9,"end":11853,"type":5402,"data":15783},{"link_type":69,"url":15784},"#7-the-full-claimable-government-cash-stack-2026-for-young-seniors",[],"text$bb20f9eb-cfdb-4174-b6cc-c8f6780c67eb",{"primary":15788,"items":15789,"id":15790,"slice_type":8012,"slice_label":107},{},[],"divider$9414fc9f-653d-41bb-941f-9db53db18d2b",{"primary":15792,"items":15834,"id":15835,"slice_type":7946,"slice_label":107},{"text":15793},[15794,15796,15799,15802,15806,15811,15816,15819,15822,15826,15830],{"type":7951,"text":15743,"spans":15795},[],{"type":180,"text":15797,"spans":15798},"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":15800,"spans":15801},"The three components and their status:",[],{"type":4229,"text":15803,"spans":15804},"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",[15805],{"start":9,"end":9371,"type":3603},{"type":4229,"text":15807,"spans":15808},"Retirement Savings Bonus (RSB): One-time CPF top-up of up to $1,500, paid December 2024 - ALREADY DONE",[15809],{"start":9,"end":15810,"type":3603},87,{"type":4229,"text":15812,"spans":15813},"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",[15814],{"start":9,"end":15815,"type":3603},128,{"type":180,"text":15817,"spans":15818},"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":15820,"spans":15821},"Who counts as a Young Senior",[],{"type":4229,"text":15823,"spans":15824},"Born 1960 to 1973: Currently aged 53 to 66 in 2026 - the core target group",[15825],{"start":9,"end":10977,"type":3603},{"type":4229,"text":15827,"spans":15828},"Born 1959 or earlier: Already covered by Pioneer Generation (born before 1950) or Merdeka Generation (born 1950-1959), but still receive Majulah on top",[15829],{"start":9,"end":12763,"type":3603},{"type":4229,"text":15831,"spans":15832},"Born after 1973: Not eligible for Majulah - covered by other schemes like Workfare Income Supplement and the regular GSTV",[15833],{"start":9,"end":10991,"type":3603},[],"text$8f381beb-55c8-4e9e-9140-c7c760c9eede",{"primary":15837,"items":15863,"id":15864,"slice_type":7946,"slice_label":107},{"text":15838},[15839,15841,15844,15848,15852,15856,15860],{"type":7951,"text":15749,"spans":15840},[],{"type":180,"text":15842,"spans":15843},"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":15845,"spans":15846},"Singapore Citizen born in 1973 or earlier",[15847],{"start":9,"end":10991,"type":3603},{"type":4229,"text":15849,"spans":15850},"Working - earning average monthly income of $500 to $6,000 (employment OR trade income)",[15851],{"start":9,"end":9861,"type":3603},{"type":4229,"text":15853,"spans":15854},"Annual Value (AV) of your home: $31,000 or less",[15855],{"start":9,"end":9708,"type":3603},{"type":4229,"text":15857,"spans":15858},"You don't own more than one property",[15859],{"start":9,"end":8029,"type":3603},{"type":180,"text":15861,"spans":15862},"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":15866,"items":15871,"id":15922,"slice_type":8260,"slice_label":107},{"table_title":15867},[15868],{"type":171,"text":15869,"spans":15870},"Earn and Save Bonus 2026: amount by income tier",[],[15872,15885,15898,15910],{"col1":15873,"col2":15877,"col3":15881},[15874],{"type":180,"text":15875,"spans":15876},"Average monthly income",[],[15878],{"type":180,"text":15879,"spans":15880},"Annual ESB",[],[15882],{"type":180,"text":15883,"spans":15884},"Where it lands",[],{"col1":15886,"col2":15890,"col3":15894},[15887],{"type":180,"text":15888,"spans":15889},"$500 to $2,500",[],[15891],{"type":180,"text":15892,"spans":15893},"$1,000",[],[15895],{"type":180,"text":15896,"spans":15897},"CPF Retirement Account (or SA if RA not yet open)",[],{"col1":15899,"col2":15903,"col3":15907},[15900],{"type":180,"text":15901,"spans":15902},"Above $2,500 to $3,500",[],[15904],{"type":180,"text":15905,"spans":15906},"$700",[],[15908],{"type":180,"text":15896,"spans":15909},[],{"col1":15911,"col2":15915,"col3":15919},[15912],{"type":180,"text":15913,"spans":15914},"Above $3,500 to $6,000",[],[15916],{"type":180,"text":15917,"spans":15918},"$400",[],[15920],{"type":180,"text":15896,"spans":15921},[],"table3$66fbd006-7ca9-4873-b2d0-3ebe370c6140",{"primary":15924,"items":15941,"id":15942,"slice_type":7946,"slice_label":107},{"text":15925},[15926,15929,15932,15935,15938],{"type":171,"text":15927,"spans":15928},"Concessionary ESB ($400 even if you earn below $500/month)",[],{"type":180,"text":15930,"spans":15931},"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":15933,"spans":15934},"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 $400/year you're not claiming.",[],{"type":171,"text":15936,"spans":15937},"Why payout went into CPF instead of bank account",[],{"type":180,"text":15939,"spans":15940},"The ESB is structured as a retirement boost, not a cash payout. It goes into your CPF account - you can't withdraw it as cash. When you start drawing CPF LIFE monthly payouts in retirement, your ESB amount will be included in those monthly payouts.",[],[],"text$ef64840a-6a10-4152-806b-032d49ee6bfa",{"primary":15944,"items":15975,"id":15976,"slice_type":7946,"slice_label":107},{"text":15945},[15946,15948,15951,15954,15957,15960,15963,15966,15969,15972],{"type":7951,"text":15755,"spans":15947},[],{"type":180,"text":15949,"spans":15950},"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":15952,"spans":15953},"Retirement Savings Bonus (RSB) - paid December 2024",[],{"type":180,"text":15955,"spans":15956},"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":15958,"spans":15959},"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":15961,"spans":15962},"MediSave Bonus - paid December 2024",[],{"type":180,"text":15964,"spans":15965},"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":15967,"spans":15968},"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":15970,"spans":15971},"Did I get them?",[],{"type":180,"text":15973,"spans":15974},"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":15978,"items":16016,"id":16017,"slice_type":7946,"slice_label":107},{"text":15979},[15980,15982,15985,15989,15993,15997,16001,16004,16007,16013],{"type":7951,"text":15761,"spans":15981},[],{"type":180,"text":15983,"spans":15984},"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":15986,"spans":15987},"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)",[15988],{"start":9,"end":6267,"type":3603},{"type":4229,"text":15990,"spans":15991},"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",[15992],{"start":9,"end":11057,"type":3603},{"type":4229,"text":15994,"spans":15995},"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",[15996],{"start":9,"end":8084,"type":3603},{"type":4229,"text":15998,"spans":15999},"MediSave Account (MA): The one-time MediSave Bonus only - immediately usable for healthcare expenses",[16000],{"start":9,"end":10958,"type":3603},{"type":171,"text":16002,"spans":16003},"Why you can't withdraw the ESB or RSB as cash",[],{"type":180,"text":16005,"spans":16006},"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":16008,"spans":16009},"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.",[16010],{"start":10883,"end":7723,"type":5402,"data":16011},{"link_type":69,"url":16012},"https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-life-estimator",{"type":180,"text":16014,"spans":16015},"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":16019,"items":16060,"id":16061,"slice_type":7946,"slice_label":107},{"text":16020},[16021,16023,16026,16029,16034,16037,16040,16043,16046,16049,16052,16056],{"type":7951,"text":15768,"spans":16022},[],{"type":180,"text":16024,"spans":16025},"March 2026 has come and gone. If you qualify but didn't see the deposit, here's the troubleshooting order:",[],{"type":9410,"text":16027,"spans":16028},"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":9410,"text":16030,"spans":16031},"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.",[16032],{"start":8078,"end":8585,"type":5402,"data":16033},{"link_type":69,"url":8891},{"type":9410,"text":16035,"spans":16036},"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":9410,"text":16038,"spans":16039},"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":9410,"text":16041,"spans":16042},"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":16044,"spans":16045},"Planning for the 2027 ESB",[],{"type":180,"text":16047,"spans":16048},"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":16050,"spans":16051},"Two things to watch before November 2026 if you're close to a tier boundary:",[],{"type":4229,"text":16053,"spans":16054},"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",[16055],{"start":9,"end":6407,"type":3603},{"type":4229,"text":16057,"spans":16058},"AV near $31,000: if your home's AV increases past $31k after a property reassessment, you lose ESB entirely - even by $1",[16059],{"start":9,"end":13132,"type":3603},[],"text$81175d24-1f2b-4901-b483-0f860d5dc631",{"primary":16063,"items":16070,"id":16071,"slice_type":7946,"slice_label":107},{"text":16064},[16065,16067],{"type":7951,"text":15774,"spans":16066},[],{"type":180,"text":16068,"spans":16069},"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":16073,"items":16078,"id":16137,"slice_type":8260,"slice_label":107},{"table_title":16074},[16075],{"type":171,"text":16076,"spans":16077},"Majulah Package vs GSTV vs Assurance Package vs Silver Support",[],[16079,16089,16101,16112,16124],{"col1":16080,"col2":16083,"col3":16086},[16081],{"type":180,"text":9492,"spans":16082},[],[16084],{"type":180,"text":9499,"spans":16085},[],[16087],{"type":180,"text":14889,"spans":16088},[],{"col1":16090,"col2":16093,"col3":16097},[16091],{"type":180,"text":14919,"spans":16092},[],[16094],{"type":180,"text":16095,"spans":16096},"Born 1973 or earlier, working, AV ≤ $31k",[],[16098],{"type":180,"text":16099,"spans":16100},"ESB up to $1,000/year to CPF + one-time RSB/MediSave Bonus (already paid)",[],{"col1":16102,"col2":16105,"col3":16108},[16103],{"type":180,"text":9504,"spans":16104},[],[16106],{"type":180,"text":9512,"spans":16107},[],[16109],{"type":180,"text":16110,"spans":16111},"Up to $850 Cash + $450 MediSave + U-Save + S&CC annually",[],{"col1":16113,"col2":16116,"col3":16120},[16114],{"type":180,"text":14932,"spans":16115},[],[16117],{"type":180,"text":16118,"spans":16119},"All SC adults (income-tiered)",[],[16121],{"type":180,"text":16122,"spans":16123},"Up to $250 Cash final tranche Dec 2026, then ENDS",[],{"col1":16125,"col2":16129,"col3":16133},[16126],{"type":180,"text":16127,"spans":16128},"Silver Support",[],[16130],{"type":180,"text":16131,"spans":16132},"SCs aged 65+, low CPF + low household income",[],[16134],{"type":180,"text":16135,"spans":16136},"Quarterly cash payouts, $216 to $1,080/quarter",[],"table3$acbe360b-77a2-4fde-8288-c503d0800e35",{"primary":16139,"items":16170,"id":16171,"slice_type":7946,"slice_label":107},{"text":16140},[16141,16144,16148,16152,16156,16160],{"type":180,"text":16142,"spans":16143},"Key differences:",[],{"type":4229,"text":16145,"spans":16146},"Majulah is for Young Seniors who are still working - if you've fully retired and earn nothing, ESB doesn't apply (unless concessionary)",[16147],{"start":9,"end":10977,"type":3603},{"type":4229,"text":16149,"spans":16150},"Silver Support is means-tested for retired seniors - kicks in at 65 and pays cash you can spend, unlike Majulah which goes to CPF",[16151],{"start":9,"end":10977,"type":3603},{"type":4229,"text":16153,"spans":16154},"GSTV runs forever for everyone who qualifies, regardless of age - the backbone scheme",[16155],{"start":9,"end":7965,"type":3603},{"type":4229,"text":16157,"spans":16158},"Assurance Package is winding down: final $250 Cash tranche in December 2026 then ends",[16159],{"start":9,"end":9366,"type":3603},{"type":180,"text":16161,"spans":16162},"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.",[16163,16165,16167],{"start":9715,"end":5453,"type":5402,"data":16164},{"link_type":69,"url":14978},{"start":8397,"end":9574,"type":5402,"data":16166},{"link_type":69,"url":14985},{"start":9595,"end":16168,"type":5402,"data":16169},95,{"link_type":69,"url":9576},[],"text$0aa04667-70f5-4745-88f8-799009236194",{"primary":16173,"items":16225,"id":16226,"slice_type":7946,"slice_label":107},{"text":16174},[16175,16177,16180,16184,16191,16197,16202,16205,16210,16215,16218,16220],{"type":7951,"text":15780,"spans":16176,"direction":123},[],{"type":180,"text":16178,"spans":16179,"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":16181,"spans":16182,"direction":123},"Majulah ESB 2026: $400 to $1,000 per eligible adult, paid March 2026 to CPF (already done)",[16183],{"start":9,"end":3602,"type":3603},{"type":4229,"text":16185,"spans":16186,"direction":123},"GST Voucher 2026: up to $850 Cash + $450 MediSave + 1.5x U-Save in August - see our GSTV guide",[16187,16188],{"start":9,"end":9574,"type":3603},{"start":10882,"end":16189,"type":5402,"data":16190},94,{"link_type":69,"url":14978,"target":186},{"type":4229,"text":16192,"spans":16193,"direction":123},"Assurance Package 2026: final $250 Cash tranche in December - see our AP guide",[16194,16195],{"start":9,"end":9688,"type":3603},{"start":11853,"end":9595,"type":5402,"data":16196},{"link_type":69,"url":14985,"target":186},{"type":4229,"text":9568,"spans":16198,"direction":123},[16199,16200],{"start":9,"end":9571,"type":3603},{"start":9573,"end":9574,"type":5402,"data":16201},{"link_type":69,"url":9576,"target":186},{"type":4229,"text":9578,"spans":16203,"direction":123},[16204],{"start":9,"end":5511,"type":3603},{"type":4229,"text":9590,"spans":16206,"direction":123},[16207,16208],{"start":9,"end":9593,"type":3603},{"start":9595,"end":9596,"type":5402,"data":16209},{"link_type":69,"url":9598,"target":186},{"type":4229,"text":9600,"spans":16211,"direction":123},[16212,16213],{"start":9,"end":6960,"type":3603},{"start":7965,"end":8610,"type":5402,"data":16214},{"link_type":69,"url":9605,"target":186},{"type":180,"text":16216,"spans":16217,"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":16219,"direction":123},[],{"type":180,"text":16221,"spans":16222,"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.",[16223],{"start":7723,"end":12023,"type":5402,"data":16224},{"link_type":69,"url":9466,"target":186},[],"text$46a1c579-3906-4edf-aa53-a9cbb197d328",{"id":16228,"uid":16229,"url":107,"type":7846,"href":16230,"tags":16231,"first_publication_date":16233,"last_publication_date":16233,"slugs":16234,"linked_documents":16236,"lang":115,"alternate_languages":16237,"data":16238},"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",[7849,16232,7851],"tax","2026-05-05T01:42:20+0000",[16235],"the-singapore-employee-benefits-tax-cheat-sheet-why-a-1000-bonus-reaches-staff-at-744-and-what-to-give-instead",[],[],{"title":16239,"seo_title":16243,"seo_meta_description":16247,"featured":16,"expired":16,"noindex":16,"cover_image":16251,"date":4124,"author_link":16258,"body":16261},[16240],{"type":120,"text":16241,"spans":16242},"The Singapore Employee Benefits Tax Cheat Sheet: Why a $1,000 Bonus Reaches Staff at $744 (and What to Give Instead)",[],[16244],{"type":120,"text":16245,"spans":16246},"Singapore Employee Benefits Tax Cheat Sheet: IRAS + CPF Rules for SMEs (2026)",[],[16248],{"type":120,"text":16249,"spans":16250},"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":16252,"alt":16254,"copyright":107,"url":16255,"id":16256,"edit":16257},{"width":7872,"height":16253},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":16259,"lang":115,"slug":7883,"first_publication_date":7884,"last_publication_date":7885,"link_type":7927,"key":16260,"isBroken":16},[],"79d2833e-a264-475f-87a8-e7e5cf69b799",[16262,16289,16339,16343,16386,16390,16415,16419,16531,16535,16545,16638,16668,16672,16740,16744,16754,16846,16860,16864,16874,17011,17026],{"primary":16263,"items":16287,"id":16288,"slice_type":7946,"slice_label":107},{"text":16264},[16265,16268,16271,16281],{"type":180,"text":16266,"spans":16267},"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":16269,"spans":16270},"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":16272,"spans":16273},"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.",[16274,16277],{"start":8041,"end":11056,"type":5402,"data":16275},{"link_type":69,"url":16276},"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":16278,"type":5402,"data":16279},146,{"link_type":69,"url":16280},"https://www.cpf.gov.sg/employer/employer-obligations/what-payments-attract-cpf-contributions",{"type":180,"text":16282,"spans":16283},"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.",[16284],{"start":16285,"end":16286,"type":7900},216,242,[],"text$2b090c62-0284-4032-9f2e-ec49ae271c02",{"primary":16290,"items":16337,"id":16338,"slice_type":7946,"slice_label":107},{"text":16291},[16292,16294,16300,16306,16313,16319,16325,16331],{"type":7951,"text":7952,"spans":16293,"direction":123},[],{"type":180,"text":16295,"spans":16296,"direction":123},"1. Why your $1,000 bonus reaches staff at $744",[16297],{"start":9,"end":7972,"type":5402,"data":16298},{"link_type":69,"url":16299,"target":186},"#1-why-your-1-000-bonus-reaches-staff-at-744",{"type":180,"text":16301,"spans":16302,"direction":123},"2. The 3 questions to ask of any benefit",[16303],{"start":9,"end":7433,"type":5402,"data":16304},{"link_type":69,"url":16305,"target":186},"#2-the-3-questions-to-ask-of-any-benefit",{"type":180,"text":16307,"spans":16308,"direction":123},"3. The IRAS admin concession list (the tax-free playbook)",[16309],{"start":9,"end":16310,"type":5402,"data":16311},57,{"link_type":69,"url":16312,"target":186},"#3-the-iras-admin-concession-list-the-tax-free-playbook-",{"type":180,"text":16314,"spans":16315,"direction":123},"4. The $200 and $500 magic numbers",[16316],{"start":9,"end":9366,"type":5402,"data":16317},{"link_type":69,"url":16318,"target":186},"#4-the-200-and-500-magic-numbers",{"type":180,"text":16320,"spans":16321,"direction":123},"5. The flexi-benefits CPF trap most SMEs miss",[16322],{"start":9,"end":8397,"type":5402,"data":16323},{"link_type":69,"url":16324,"target":186},"#5-the-flexi-benefits-cpf-trap-most-smes-miss",{"type":180,"text":16326,"spans":16327,"direction":123},"6. Cash bonus vs perks: the dollar comparison",[16328],{"start":9,"end":8397,"type":5402,"data":16329},{"link_type":69,"url":16330,"target":186},"#6-cash-bonus-vs-perks-the-dollar-comparison",{"type":180,"text":16332,"spans":16333,"direction":123},"7. The $0 income-tax + $0 CPF stack for a 10-person SME",[16334],{"start":9,"end":10958,"type":5402,"data":16335},{"link_type":69,"url":16336,"target":186},"#7-the-0-income-tax-0-cpf-stack-for-a-10-person-sme",[],"text$0bd3eb64-85ba-4b49-8117-d6298248214e",{"primary":16340,"items":16341,"id":16342,"slice_type":8012,"slice_label":107},{},[],"divider$8ef78c50-bdc7-4d41-95c4-214cc946d085",{"primary":16344,"items":16384,"id":16385,"slice_type":7946,"slice_label":107},{"text":16345},[16346,16348,16351,16354,16358,16362,16366,16370,16374,16377,16381],{"type":7951,"text":16295,"spans":16347},[],{"type":180,"text":16349,"spans":16350},"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":16352,"spans":16353},"You decide to give a $1,000 year-end bonus. Here is what actually happens to that money:",[],{"type":4229,"text":16355,"spans":16356},"Your cost - $1,000 cash + $170 employer CPF (17%) = $1,170 out of your bank account",[16357],{"start":9,"end":8078,"type":3603},{"type":4229,"text":16359,"spans":16360},"Employee CPF (20%) - $200 deducted before they see it",[16361],{"start":9,"end":8590,"type":3603},{"type":4229,"text":16363,"spans":16364},"Gross take-home - $800",[16365],{"start":9,"end":10455,"type":3603},{"type":4229,"text":16367,"spans":16368},"Income tax at 7% marginal - roughly $56 added to their next tax bill",[16369],{"start":9,"end":6407,"type":3603},{"type":4229,"text":16371,"spans":16372},"Net in their pocket - approximately $744",[16373],{"start":9,"end":7423,"type":3603},{"type":180,"text":16375,"spans":16376},"Efficiency: $744 received for $1,170 spent. That is 64 cents per dollar.",[],{"type":180,"text":16378,"spans":16379},"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.",[16380],{"start":9,"end":3601,"type":7900},{"type":180,"text":16382,"spans":16383},"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":16387,"items":16388,"id":16389,"slice_type":8012,"slice_label":107},{},[],"divider$1b47e7b4-2174-4613-a3d6-cbf610df47d6",{"primary":16391,"items":16413,"id":16414,"slice_type":7946,"slice_label":107},{"text":16392},[16393,16395,16398,16402,16406,16410],{"type":7951,"text":16301,"spans":16394},[],{"type":180,"text":16396,"spans":16397},"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":16399,"spans":16400},"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.",[16401],{"start":9,"end":5400,"type":3603},{"type":4229,"text":16403,"spans":16404},"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.",[16405],{"start":9,"end":10991,"type":3603},{"type":4229,"text":16407,"spans":16408},"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.",[16409],{"start":9,"end":10977,"type":3603},{"type":180,"text":16411,"spans":16412},"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":16416,"items":16417,"id":16418,"slice_type":8012,"slice_label":107},{},[],"divider$3a57be9f-c71c-452a-a2de-662f1a556efe",{"primary":16420,"items":16529,"id":16530,"slice_type":7946,"slice_label":107},{"text":16421},[16422,16424,16429,16432,16435,16439,16443,16447,16451,16455,16459,16463,16467,16470,16474,16478,16482,16486,16489,16493,16497,16501,16504,16508,16512,16515,16519,16522,16526],{"type":7951,"text":16307,"spans":16423},[],{"type":180,"text":16425,"spans":16426},"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.",[16427],{"start":3602,"end":10991,"type":5402,"data":16428},{"link_type":69,"url":16276},{"type":180,"text":16430,"spans":16431},"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":16433,"spans":16434},"Camaraderie and goodwill (no dollar cap)",[],{"type":4229,"text":16436,"spans":16437},"Sponsored group outings - team lunches, offsites, hikes",[16438],{"start":9,"end":7475,"type":3603},{"type":4229,"text":16440,"spans":16441},"Family Day events - including spouse and kids",[16442],{"start":9,"end":3602,"type":3603},{"type":4229,"text":16444,"spans":16445},"Corporate Dinner & Dance - door gifts and lucky draw prizes included",[16446],{"start":9,"end":6267,"type":3603},{"type":4229,"text":16448,"spans":16449},"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.)",[16450],{"start":9,"end":8832,"type":3603},{"type":4229,"text":16452,"spans":16453},"Mugs, T-shirts and similar corporate gifts",[16454],{"start":9,"end":6406,"type":3603},{"type":4229,"text":16456,"spans":16457},"Free or subsidised food and drinks at the workplace",[16458],{"start":9,"end":5401,"type":3603},{"type":4229,"text":16460,"spans":16461},"Free transport between pick-up points and the office",[16462],{"start":9,"end":7991,"type":3603},{"type":4229,"text":16464,"spans":16465},"Corporate passes to local attractions in Singapore",[16466],{"start":9,"end":10977,"type":3603},{"type":171,"text":16468,"spans":16469},"Health (employee + spouse + children)",[],{"type":4229,"text":16471,"spans":16472},"Outpatient treatment - free or subsidised",[16473],{"start":9,"end":10614,"type":3603},{"type":4229,"text":16475,"spans":16476},"Hospitalisation cover",[16477],{"start":9,"end":12763,"type":3603},{"type":4229,"text":16479,"spans":16480},"Dental treatment",[16481],{"start":9,"end":6275,"type":3603},{"type":4229,"text":16483,"spans":16484},"Group medical insurance premiums",[16485],{"start":9,"end":8595,"type":3603},{"type":171,"text":16487,"spans":16488},"Skills, innovation, family",[],{"type":4229,"text":16490,"spans":16491},"Course fees, training, scholarships, exam fees",[16492],{"start":9,"end":7972,"type":3603},{"type":4229,"text":16494,"spans":16495},"Staff suggestion / Quality Action Circle / WITS awards",[16496],{"start":9,"end":11979,"type":3603},{"type":4229,"text":16498,"spans":16499},"Childcare subsidy for licensed childcare centres",[16500],{"start":9,"end":9695,"type":3603},{"type":171,"text":16502,"spans":16503},"Equipment and tools",[],{"type":4229,"text":16505,"spans":16506},"Laptops, tablets, notebooks and mobile phones provided for business use",[16507],{"start":9,"end":9593,"type":3603},{"type":4229,"text":16509,"spans":16510},"Staff uniforms required for the job or for corporate identity",[16511],{"start":9,"end":8924,"type":3603},{"type":171,"text":16513,"spans":16514},"Loans (interest-free or subsidised, available to all staff)",[],{"type":4229,"text":16516,"spans":16517},"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.",[16518],{"start":9,"end":16310,"type":3603},{"type":171,"text":16520,"spans":16521},"Compensation events",[],{"type":4229,"text":16523,"spans":16524},"Death gratuities, disability payments, workmen compensation - never taxable",[16525],{"start":9,"end":9688,"type":3603},{"type":180,"text":16527,"spans":16528},"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$16b3a7c0-05a7-424a-be60-6d7fc0af3d19",{"primary":16532,"items":16533,"id":16534,"slice_type":8012,"slice_label":107},{},[],"divider$a91e53fb-285c-4018-abf8-f812afcc6d76",{"primary":16536,"items":16543,"id":16544,"slice_type":7946,"slice_label":107},{"text":16537},[16538,16540],{"type":7951,"text":16314,"spans":16539},[],{"type":180,"text":16541,"spans":16542},"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":16546,"items":16551,"id":16637,"slice_type":8122,"slice_label":107},{"table_title":16547},[16548],{"type":171,"text":16549,"spans":16550},"Tax-free thresholds you cannot cross",[],[16552,16563,16572,16580,16588,16597,16605,16613,16620,16628],{"col1":16553,"col2":16558},[16554],{"type":180,"text":16555,"spans":16556},"Benefit type",[16557],{"start":9,"end":7014,"type":3603},[16559],{"type":180,"text":16560,"spans":16561},"Threshold per item / occasion",[16562],{"start":9,"end":11171,"type":3603},{"col1":16564,"col2":16568},[16565],{"type":180,"text":16566,"spans":16567},"Festive gifts (CNY, Hari Raya, Deepavali, Christmas)",[],[16569],{"type":180,"text":16570,"spans":16571},"$200 cash or non-cash",[],{"col1":16573,"col2":16577},[16574],{"type":180,"text":16575,"spans":16576},"Special occasion gifts (birthday, wedding, newborn)",[],[16578],{"type":180,"text":16570,"spans":16579},[],{"col1":16581,"col2":16584},[16582],{"type":180,"text":13782,"spans":16583},[],[16585],{"type":180,"text":16586,"spans":16587},"No threshold - always tax-free",[],{"col1":16589,"col2":16593},[16590],{"type":180,"text":16591,"spans":16592},"Long service award (non-cash only)",[],[16594],{"type":180,"text":16595,"spans":16596},"$200 token value",[],{"col1":16598,"col2":16602},[16599],{"type":180,"text":16600,"spans":16601},"Retirement award (non-cash only)",[],[16603],{"type":180,"text":16595,"spans":16604},[],{"col1":16606,"col2":16610},[16607],{"type":180,"text":16608,"spans":16609},"Service Excellence Award",[],[16611],{"type":180,"text":16570,"spans":16612},[],{"col1":16614,"col2":16617},[16615],{"type":180,"text":13767,"spans":16616},[],[16618],{"type":180,"text":16570,"spans":16619},[],{"col1":16621,"col2":16625},[16622],{"type":180,"text":16623,"spans":16624},"Award for passing examination",[],[16626],{"type":180,"text":16570,"spans":16627},[],{"col1":16629,"col2":16633},[16630],{"type":180,"text":16631,"spans":16632},"Staff discount per item",[],[16634],{"type":180,"text":16635,"spans":16636},"$500 (item value, not discount value)",[],"table$fe4a4245-f475-4514-a51b-aa9d81cbc2bc",{"primary":16639,"items":16666,"id":16667,"slice_type":7946,"slice_label":107},{"text":16640},[16641,16644,16648,16652,16656,16659],{"type":180,"text":16642,"spans":16643},"Three things to flag about this table:",[],{"type":4229,"text":16645,"spans":16646},"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.",[16647],{"start":9,"end":3601,"type":3603},{"type":4229,"text":16649,"spans":16650},"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.",[16651],{"start":9,"end":10977,"type":3603},{"type":4229,"text":16653,"spans":16654},"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.",[16655],{"start":9,"end":5401,"type":3603},{"type":180,"text":16657,"spans":16658},"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":16660,"spans":16661},"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.",[16662],{"start":16663,"end":16664,"type":5402,"data":16665},275,313,{"link_type":69,"url":10871},[],"text$762dabba-e3e0-4730-a387-a201d2105d8b",{"primary":16669,"items":16670,"id":16671,"slice_type":8012,"slice_label":107},{},[],"divider$be55bf2f-c15c-429e-88dc-4e3bb4098fec",{"primary":16673,"items":16738,"id":16739,"slice_type":7946,"slice_label":107},{"text":16674},[16675,16677,16680,16685,16688,16691,16695,16699,16703,16707,16711,16715,16718,16721,16724,16728,16732,16735],{"type":7951,"text":16320,"spans":16676},[],{"type":180,"text":16678,"spans":16679},"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":16681,"spans":16682},"The CPF Board's official position is the opposite of what most founders assume:",[16683],{"start":8161,"end":13258,"type":5402,"data":16684},{"link_type":69,"url":8566},{"type":180,"text":16686,"spans":16687},"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":16689,"spans":16690},"Examples that DO attract CPF:",[],{"type":4229,"text":16692,"spans":16693},"Reimbursement of childcare expenses",[16694],{"start":9,"end":5400,"type":3603},{"type":4229,"text":16696,"spans":16697},"Reimbursement of eldercare expenses",[16698],{"start":9,"end":5400,"type":3603},{"type":4229,"text":16700,"spans":16701},"Reimbursement of gym subscription fees",[16702],{"start":9,"end":9417,"type":3603},{"type":4229,"text":16704,"spans":16705},"Reimbursement of holiday expenses",[16706],{"start":9,"end":13258,"type":3603},{"type":4229,"text":16708,"spans":16709},"Reimbursement of personal insurance premiums",[16710],{"start":9,"end":13908,"type":3603},{"type":4229,"text":16712,"spans":16713},"Reimbursement of personal mobile phone bills",[16714],{"start":9,"end":13908,"type":3603},{"type":180,"text":16716,"spans":16717},"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":16719,"spans":16720},"The exceptions that DO NOT attract CPF",[],{"type":180,"text":16722,"spans":16723},"Two specific categories of reimbursement escape CPF:",[],{"type":4229,"text":16725,"spans":16726},"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.",[16727],{"start":9,"end":9715,"type":3603},{"type":4229,"text":16729,"spans":16730},"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.",[16731],{"start":9,"end":9708,"type":3603},{"type":180,"text":16733,"spans":16734},"Translation: a $500 medical-and-dental flex allowance is fully CPF-free. A $500 lifestyle flex allowance that includes gym, holiday, and personal mobile is fully CPF-able. Same headline number, very different employer cost.",[],{"type":180,"text":16736,"spans":16737},"The cleanest workaround is to keep the lifestyle and wellness piece as a true benefit-in-kind: corporate gym plan, corporate platform discounts, group medical insurance, group leisure passes. Once cash changes hands as a reimbursement, CPF clocks in.",[],[],"text$e11ded62-5330-45ca-8389-6b4aeb4a22eb",{"primary":16741,"items":16742,"id":16743,"slice_type":8012,"slice_label":107},{},[],"divider$65f6965f-a7af-4cb2-a587-9d57275698ad",{"primary":16745,"items":16752,"id":16753,"slice_type":7946,"slice_label":107},{"text":16746},[16747,16749],{"type":7951,"text":16326,"spans":16748},[],{"type":180,"text":16750,"spans":16751},"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":16755,"items":16760,"id":16845,"slice_type":9324,"slice_label":107},{"table_title":16756},[16757],{"type":171,"text":16758,"spans":16759},"Same $1,000 perceived value, 4 different routes",[],[16761,16782,16799,16814,16829],{"col1":16762,"col2":16767,"col3":16772,"col4":16777},[16763],{"type":180,"text":16764,"spans":16765},"Method",[16766],{"start":9,"end":8609,"type":3603},[16768],{"type":180,"text":16769,"spans":16770},"Employer cost",[16771],{"start":9,"end":5703,"type":3603},[16773],{"type":180,"text":16774,"spans":16775},"CPF + tax leak",[16776],{"start":9,"end":5511,"type":3603},[16778],{"type":180,"text":16779,"spans":16780},"Value to employee",[16781],{"start":9,"end":3602,"type":3603},{"col1":16783,"col2":16787,"col3":16791,"col4":16795},[16784],{"type":180,"text":16785,"spans":16786},"$1,000 cash bonus",[],[16788],{"type":180,"text":16789,"spans":16790},"$1,170",[],[16792],{"type":180,"text":16793,"spans":16794},"$426 (CPF + tax)",[],[16796],{"type":180,"text":16797,"spans":16798},"$744",[],{"col1":16800,"col2":16804,"col3":16807,"col4":16810},[16801],{"type":180,"text":16802,"spans":16803},"$1,000 group medical insurance topup (all staff)",[],[16805],{"type":180,"text":15892,"spans":16806},[],[16808],{"type":180,"text":8180,"spans":16809},[],[16811],{"type":180,"text":16812,"spans":16813},"$1,000 of cover",[],{"col1":16815,"col2":16819,"col3":16822,"col4":16825},[16816],{"type":180,"text":16817,"spans":16818},"$200 festive ang pow + $200 birthday voucher + $200 D&D lucky draw + $400 group medical",[],[16820],{"type":180,"text":15892,"spans":16821},[],[16823],{"type":180,"text":8180,"spans":16824},[],[16826],{"type":180,"text":16827,"spans":16828},"$1,000 of value",[],{"col1":16830,"col2":16834,"col3":16838,"col4":16841},[16831],{"type":180,"text":16832,"spans":16833},"$1,000 staff discount platform (Dive Perk-style, merchant-funded)",[],[16835],{"type":180,"text":16836,"spans":16837},"~$50/head subscription",[],[16839],{"type":180,"text":8180,"spans":16840},[],[16842],{"type":180,"text":16843,"spans":16844},"$500-1,000+ in real savings",[],"table__4_columns_$91b477da-ae4a-4c7a-9a79-c01ad3a5e18e",{"primary":16847,"items":16858,"id":16859,"slice_type":7946,"slice_label":107},{"text":16848},[16849,16852,16855],{"type":180,"text":16850,"spans":16851},"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":16853,"spans":16854},"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":16856,"spans":16857},"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":16861,"items":16862,"id":16863,"slice_type":8012,"slice_label":107},{},[],"divider$489d0e7f-9ec3-4b14-9258-94993e56cef4",{"primary":16865,"items":16872,"id":16873,"slice_type":7946,"slice_label":107},{"text":16866},[16867,16869],{"type":7951,"text":16332,"spans":16868},[],{"type":180,"text":16870,"spans":16871},"To make this concrete, here is a sample yearly benefits stack for a 10-person Singapore SME, designed entirely from the IRAS admin concession list. Every line is tax-free for the employee and CPF-free for the employer.",[],[],"text$ef80046f-8092-4907-890e-df4eae4a7a07",{"primary":16875,"items":16880,"id":17010,"slice_type":8260,"slice_label":107},{"table_title":16876},[16877],{"type":171,"text":16878,"spans":16879},"Annual stack per employee, 10-person SME",[],[16881,16897,16910,16922,16934,16946,16959,16971,16984,16997],{"col1":16882,"col2":16887,"col3":16892},[16883],{"type":180,"text":16884,"spans":16885},"Benefit",[16886],{"start":9,"end":9861,"type":3603},[16888],{"type":180,"text":16889,"spans":16890},"Annual cost / head",[16891],{"start":9,"end":8590,"type":3603},[16893],{"type":180,"text":16894,"spans":16895},"IRAS treatment",[16896],{"start":9,"end":5511,"type":3603},{"col1":16898,"col2":16902,"col3":16906},[16899],{"type":180,"text":16900,"spans":16901},"Group hospitalisation + outpatient + dental insurance",[],[16903],{"type":180,"text":16904,"spans":16905},"$300-600",[],[16907],{"type":180,"text":16908,"spans":16909},"Tax-free, CPF-free (concession #9 + #2)",[],{"col1":16911,"col2":16915,"col3":16918},[16912],{"type":180,"text":16913,"spans":16914},"Festive ang pow x3 (CNY, Hari Raya, Deepavali) at $150 each",[],[16916],{"type":180,"text":9103,"spans":16917},[],[16919],{"type":180,"text":16920,"spans":16921},"Tax-free under festive gift concession (under $200 cap)",[],{"col1":16923,"col2":16927,"col3":16930},[16924],{"type":180,"text":16925,"spans":16926},"Birthday voucher (e.g. $100)",[],[16928],{"type":180,"text":15281,"spans":16929},[],[16931],{"type":180,"text":16932,"spans":16933},"Tax-free under special occasion concession",[],{"col1":16935,"col2":16939,"col3":16942},[16936],{"type":180,"text":16937,"spans":16938},"Annual D&D + lucky draw share",[],[16940],{"type":180,"text":9166,"spans":16941},[],[16943],{"type":180,"text":16944,"spans":16945},"Tax-free under camaraderie concession",[],{"col1":16947,"col2":16951,"col3":16955},[16948],{"type":180,"text":16949,"spans":16950},"Employee discount platform subscription (e.g. Dive Perk)",[],[16952],{"type":180,"text":16953,"spans":16954},"$50-100",[],[16956],{"type":180,"text":16957,"spans":16958},"Tax-free, employee saves multiples of this on real spend",[],{"col1":16960,"col2":16964,"col3":16967},[16961],{"type":180,"text":16962,"spans":16963},"Subsidised lunches / pantry stocking",[],[16965],{"type":180,"text":10831,"spans":16966},[],[16968],{"type":180,"text":16969,"spans":16970},"Tax-free under food and drinks concession",[],{"col1":16972,"col2":16976,"col3":16980},[16973],{"type":180,"text":16974,"spans":16975},"Free home-to-office shuttle slot or transport pickup",[],[16977],{"type":180,"text":16978,"spans":16979},"$0-100",[],[16981],{"type":180,"text":16982,"spans":16983},"Tax-free under workplace transport concession",[],{"col1":16985,"col2":16989,"col3":16993},[16986],{"type":180,"text":16987,"spans":16988},"Course fee subsidy ($500 cap, used or not)",[],[16990],{"type":180,"text":16991,"spans":16992},"avg $250",[],[16994],{"type":180,"text":16995,"spans":16996},"Tax-free under upskilling concession",[],{"col1":16998,"col2":17002,"col3":17006},[16999],{"type":180,"text":17000,"spans":17001},"Total benefits package",[],[17003],{"type":180,"text":17004,"spans":17005},"approx. $1,500-2,000",[],[17007],{"type":180,"text":17008,"spans":17009},"100% outside CPF and income tax",[],"table3$9c8c46cd-6a3c-4c78-b531-c8cd9a25beaa",{"primary":17012,"items":17024,"id":17025,"slice_type":7946,"slice_label":107},{"text":17013},[17014,17017],{"type":180,"text":17015,"spans":17016},"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":17018,"spans":17019},"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 $300-1,000 on annually. Have a look at the types of employee perks that work best in Singapore for ideas on what to include.",[17020],{"start":17021,"end":17022,"type":5402,"data":17023},213,251,{"link_type":69,"url":10580},[],"text$c873aeae-c675-4b50-a1dd-6e354498f9e2",{"primary":17027,"items":17028,"id":17029,"slice_type":8012,"slice_label":107},{},[],"divider$7d2a131d-7601-4a3f-bd09-5a42468431c4",{"id":17031,"uid":17032,"url":107,"type":7846,"href":17033,"tags":17034,"first_publication_date":17036,"last_publication_date":17037,"slugs":17038,"linked_documents":17040,"lang":115,"alternate_languages":17041,"data":17042},"aTuDGxIAACUArAq3","cheapest-holiday-destinations","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aTuDGxIAACUArAq3%22%29+%5D%5D",[17035],"Travel","2025-12-12T05:22:34+0000","2026-03-10T05:23:20+0000",[17039],"top-cheapest-holiday-destinations-for-budget-travellers-2026-guide",[],[],{"title":17043,"seo_title":17047,"seo_meta_description":17051,"featured":16,"expired":16,"noindex":16,"cover_image":17055,"date":17063,"author_link":17064,"body":17071},[17044],{"type":120,"text":17045,"spans":17046,"direction":123},"Top Cheapest Holiday Destinations for Budget Travellers (2026 Guide)",[],[17048],{"type":120,"text":17049,"spans":17050,"direction":123},"Top Cheapest Holiday Destinations 2026 | Best Budget Trips",[],[17052],{"type":120,"text":17053,"spans":17054,"direction":123},"Discover the top cheapest holiday destinations for 2026. Perfect for weekend trips, short getaways, and budget-friendly family vacations.",[],{"dimensions":17056,"alt":17059,"copyright":107,"url":17060,"id":17061,"edit":17062},{"width":17057,"height":17058},1587,2245,"Top Cheapest Holiday Destinations 2026","https://images.prismic.io/dive/aUilw3NYClf9ojn4_Untitleddesign-2025-12-22T095801.609.png?auto=format,compress","aUilw3NYClf9ojn4",{"x":9,"y":9,"zoom":5194,"background":5195},"2025-12-22",{"id":17065,"type":7881,"tags":17066,"lang":115,"slug":17067,"first_publication_date":17068,"last_publication_date":17069,"link_type":7927,"key":17070,"isBroken":16},"aTuB9RIAACUArAjP",[],"lisa","2025-12-12T02:49:39+0000","2025-12-23T05:12:46+0000","3d38e8d9-866b-4d98-b8b5-8c3357fd8ff2",[17072,17090,17121,17137,17235,17281,17285,17316,17331,17433,17439,17474,17478,17506,17521,17602,17637,17641,17675,17690,17804,17839,17843,17871,17886,17999,18034,18038,18049,18066,18070,18081,18097],{"primary":17073,"items":17088,"id":17089,"slice_type":7946,"slice_label":107},{"text":17074},[17075,17081,17084],{"type":180,"text":17076,"spans":17077,"direction":123},"I keep seeing people say travel is “too expensive now.” And sure… if you’re flying last minute and staying in city-centre hotels. But if you’re flexible and a little curious, cheap travel in 2026 is still very much alive.",[17078],{"start":17079,"end":17080,"type":3603},175,220,{"type":180,"text":17082,"spans":17083,"direction":123},"These are places I’d happily recommend to friends, the kind where you stop checking your bank app halfway through the trip because everything just feels affordable.",[],{"type":180,"text":17085,"spans":17086,"direction":123},"No luxury resorts. No five-figure itineraries. Just good food, comfy stays, and slow, easy travel.",[17087],{"start":7991,"end":5208,"type":3603},[],"text$a67c0ae5-07a3-429d-9d38-6c241e5534b3",{"primary":17091,"items":17119,"id":17120,"slice_type":7946,"slice_label":107},{"text":17092},[17093,17097,17100,17104,17107,17112,17116],{"type":7951,"text":17094,"spans":17095,"direction":123},"🥇 1. Vietnam - Where Every Dollar Feels Like It’s Trying Hard",[17096],{"start":8609,"end":6275,"type":3603},{"type":180,"text":17098,"spans":17099,"direction":123},"Vietnam is still that place where we can land and instantly feel calm because… everything is cheap.",[],{"type":180,"text":17101,"spans":17102,"direction":123},"I am talking SGD $1–$4 street food, amazing coffee everywhere, and budget hotels that don’t feel sketchy or sad.",[17103],{"start":5703,"end":9366,"type":3603},{"type":180,"text":17105,"spans":17106,"direction":123},"I can walk around Hanoi all day, eat nonstop, grab a ride-hailing car, and still feel like I am barely spent anything.",[],{"type":180,"text":17108,"spans":17109,"direction":123},"I love Vietnam for budget travel because it just makes everything feel easy on my wallet without feeling like I am cutting corners. I can grab incredible street food for SGD $1–$4 and somehow it’s always fresh, filling, and memorable. ",[17110],{"start":12524,"end":17111,"type":3603},179,{"type":180,"text":17113,"spans":17114,"direction":123},"Budget hotels in the SGD $15–$30 range are often clean, comfortable, and way better than I’d expect for the price. And then there are the sleeper buses and trains, honestly one of my favourite hacks, because I can move between cities overnight, save on accommodation, and wake up somewhere new. ",[17115],{"start":12763,"end":8595,"type":3603},{"type":180,"text":17117,"spans":17118,"direction":123},"It’s the kind of place where my money quietly stretches further, and I will stop stressing about every little spend.",[],[],"text$91c5052b-0664-4f7e-bb04-d7253f0f2e08",{"primary":17122,"items":17135,"id":17136,"slice_type":9837,"slice_label":107},{"image":17123,"caption":17130,"additional_link":17134,"anchor_id":107},{"dimensions":17124,"alt":17126,"copyright":107,"url":17127,"id":17128,"edit":17129},{"width":7513,"height":17125},684,"Vietnam","https://images.prismic.io/dive/aTuN1XNYClf9oFgc_Untitleddesign-38-.png?auto=format,compress&rect=1,0,1586,904&w=1200&h=684","aTuN1XNYClf9oFgc",{"x":5194,"y":9,"zoom":5194,"background":5195},[17131],{"type":171,"text":17132,"spans":17133,"direction":123},"Photo from @Trip.com",[],{"link_type":680},[],"image_with_caption$20b46f6a-9b1f-4218-b746-0ba203010863",{"primary":17138,"items":17233,"id":17234,"slice_type":7946,"slice_label":107},{"text":17139},[17140,17143,17146,17150,17153,17156,17160,17163,17166,17170,17173,17176,17180,17183,17186,17189,17193,17197,17201,17206,17210,17214,17224,17226],{"type":7951,"text":17141,"spans":17142,"direction":123},"🏙 Best Affordable Cities to Visit",[],{"type":180,"text":17144,"spans":17145,"direction":123},"Vietnam has multiple cities offering budget-friendly activities:",[],{"type":171,"text":17147,"spans":17148,"direction":123},"Hanoi",[17149],{"start":9,"end":8172,"type":3603},{"type":4229,"text":17151,"spans":17152,"direction":123},"Old Quarter street food, cafés, night markets",[],{"type":4229,"text":17154,"spans":17155,"direction":123},"Great for culture, history, and cheap eats",[],{"type":171,"text":17157,"spans":17158,"direction":123},"Ho Chi Minh City",[17159],{"start":9,"end":6275,"type":3603},{"type":4229,"text":17161,"spans":17162,"direction":123},"Bustling markets, museums, rooftop bars",[],{"type":4229,"text":17164,"spans":17165,"direction":123},"Mekong Delta day trips at low cost",[],{"type":171,"text":17167,"spans":17168,"direction":123},"Da Nang",[17169],{"start":9,"end":9861,"type":3603},{"type":4229,"text":17171,"spans":17172,"direction":123},"Beautiful beaches",[],{"type":4229,"text":17174,"spans":17175,"direction":123},"Perfect base for day trips to Ba Na Hills or Marble Mountains",[],{"type":171,"text":17177,"spans":17178,"direction":123},"Hoi An",[17179],{"start":9,"end":8609,"type":3603},{"type":4229,"text":17181,"spans":17182,"direction":123},"Lantern-lit ancient town",[],{"type":4229,"text":17184,"spans":17185,"direction":123},"Boutique cafés, tailoring shops, scenic bike rides",[],{"type":7951,"text":17187,"spans":17188,"direction":123},"🌟 Top Things to Do (Without Overspending)",[],{"type":4229,"text":17190,"spans":17191,"direction":123},"Ha Long Bay budget cruise",[17192],{"start":9,"end":5452,"type":3603},{"type":4229,"text":17194,"spans":17195,"direction":123},"Hoi An Ancient Town & lantern streets",[17196],{"start":9,"end":7423,"type":3603},{"type":4229,"text":17198,"spans":17199,"direction":123},"Ninh Binh boat tour through limestone mountains",[17200],{"start":9,"end":8078,"type":3603},{"type":4229,"text":17202,"spans":17203,"direction":123},"Cu Chi Tunnels or War Remnants Museum in HCMC",[17204,17205],{"start":9,"end":5511,"type":3603},{"start":8590,"end":7315,"type":3603},{"type":4229,"text":17207,"spans":17208,"direction":123},"Da Nang beaches — free!",[17209],{"start":9,"end":10455,"type":3603},{"type":4229,"text":17211,"spans":17212,"direction":123},"Local markets for cheap food and souvenirs",[17213],{"start":9,"end":5703,"type":3603},{"type":180,"text":17215,"spans":17216,"direction":123},"✈️Pro Tip: In my visit to Vietnam, I will consider booking my cheap flights to Vietnam and Vietnam hotels early to snag the best deals, perfect for every budget and style.",[17217,17218,17221],{"start":9,"end":3601,"type":3603},{"start":12785,"end":14397,"type":5402,"data":17219},{"link_type":69,"url":17220,"target":186},"https://sg.trip.com/flights/cheap-flights-to-vietnam-111/?allianceid=7288534&sid=271572617",{"start":5429,"end":8399,"type":5402,"data":17222},{"link_type":69,"url":17223,"target":186},"https://sg.trip.com/hotels/country/vietnam.html?allianceid=7288534&sid=271572617",{"type":180,"text":7,"spans":17225,"direction":123},[],{"type":180,"text":17227,"spans":17228,"direction":123},"💸Note to other travellers: If you’re new to budget travel, Vietnam is one of the easiest places to start and still one of the cheapest holiday destinations in Asia for 2026.",[17229,17230],{"start":9,"end":9715,"type":3603},{"start":17231,"end":17232,"type":3603},127,173,[],"text$ecf01627-ad77-4971-8f80-5adfb519fad1",{"primary":17236,"items":17237,"id":17279,"slice_type":17280,"slice_label":107},{},[17238,17252,17266],{"button_image":17239,"button_title":17246,"button_link":17250},{"dimensions":17240,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":17245},{"width":17241,"height":17241},1847,"Flights Icon","https://images.prismic.io/dive/aTkZ4nNYClf9n_3O_20251210-145011-1-.png?auto=format,compress","aTkZ4nNYClf9n_3O",{"x":9,"y":9,"zoom":5194,"background":5195},[17247],{"type":7951,"text":17248,"spans":17249,"direction":123},"Cheap Flights to Vietnam",[],{"link_type":69,"key":17251,"url":17220,"target":186},"89201cc5-205a-4615-b757-43f3728e0f20",{"button_image":17253,"button_title":17260,"button_link":17264},{"dimensions":17254,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":17259},{"width":17255,"height":17255},1754,"Hotels Icon","https://images.prismic.io/dive/aTkaAHNYClf9n_3P_20251210-145006-1-.png?auto=format,compress","aTkaAHNYClf9n_3P",{"x":9,"y":9,"zoom":5194,"background":5195},[17261],{"type":7951,"text":17262,"spans":17263,"direction":123},"Best Hotels in Vietnam",[],{"link_type":69,"key":17265,"url":17220,"target":186},"6b287557-eaa5-4dc1-84f0-8cb61d3b98f2",{"button_image":17267,"button_title":17273,"button_link":17277},{"dimensions":17268,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":17272},{"width":17255,"height":17255},"Info Icon","https://images.prismic.io/dive/aTkay3NYClf9n_3e_20251210-150049-1-.png?auto=format,compress","aTkay3NYClf9n_3e",{"x":9,"y":9,"zoom":5194,"background":5195},[17274],{"type":7951,"text":17275,"spans":17276,"direction":123},"More Info About Vietnam",[],{"link_type":69,"key":17278,"url":17220,"target":186},"f30c0252-105d-4b47-8853-10066e5e96fb","button_links$d781077b-de7c-44a1-a3cc-1c273d6cae86","button_links",{"primary":17282,"items":17283,"id":17284,"slice_type":8012,"slice_label":107},{},[],"divider$5bece834-d640-49ee-a708-af4aadf9eb19",{"primary":17286,"items":17314,"id":17315,"slice_type":7946,"slice_label":107},{"text":17287},[17288,17292,17295,17300,17303,17307,17311],{"type":7951,"text":17289,"spans":17290,"direction":123},"🥈 2. Thailand - Cheap, Comfortable, and Zero Stress",[17291],{"start":8609,"end":3602,"type":3603},{"type":180,"text":17293,"spans":17294,"direction":123},"Thailand is that friend who never lets me down.",[],{"type":180,"text":17296,"spans":17297,"direction":123},"It’s not the absolute cheapest anymore, but it’s still one of my best value holiday destinations for budget travellers, especially because I like a bit of comfort with cheap prices.",[17298],{"start":8041,"end":17299,"type":3603},118,{"type":180,"text":17301,"spans":17302,"direction":123},"I can eat insanely well, hop between cities easily, and find decent accommodation without overthinking it.",[],{"type":180,"text":17304,"spans":17305,"direction":123},"What I’ll roughly spend in places like this feels pretty reasonable, especially if I am not trying to travel fancy. Street food usually sits around SGD $3–$6, and that’s for meals that are genuinely satisfying, not just quick snacks. ",[17306],{"start":9339,"end":6309,"type":3603},{"type":180,"text":17308,"spans":17309,"direction":123},"Budget hotels in the SGD $20–$40 range are easy to find and usually comfortable enough that I am happy to come back at the end of the day. ",[17310],{"start":12763,"end":8595,"type":3603},{"type":180,"text":17312,"spans":17313,"direction":123},"Getting around is also stress-free, with affordable domestic flights and buses that make moving between cities simple without eating into my travel budget. 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Krabi if you want beaches without Phuket prices.",[17429],{"start":17430,"end":8585,"type":3603},2,[],"text$cf787d18-34ff-4e23-b57f-52857f2732ff",{"primary":17434,"items":17436,"id":17437,"slice_type":17438,"slice_label":107},{"brand_coupon_title":17435},"https://divedeals.sg/brands/Trip",[],"brand_coupon_linkage$384c46e8-7512-4cbb-a339-740f2637ad46","brand_coupon_linkage",{"primary":17440,"items":17441,"id":17473,"slice_type":17280,"slice_label":107},{},[17442,17452,17462],{"button_image":17443,"button_title":17446,"button_link":17450},{"dimensions":17444,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":17445},{"width":17241,"height":17241},{"x":9,"y":9,"zoom":5194,"background":5195},[17447],{"type":7951,"text":17448,"spans":17449,"direction":123},"Cheap Flights to Thailand",[],{"link_type":69,"key":17451,"url":17420,"target":186},"da5efe96-9480-4782-9f80-a4cf41a25ae6",{"button_image":17453,"button_title":17456,"button_link":17460},{"dimensions":17454,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":17455},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17457],{"type":7951,"text":17458,"spans":17459,"direction":123},"Best Hotels in Thailand",[],{"link_type":69,"key":17461,"url":17423,"target":186},"ef68ad6c-eead-4b8e-8f28-1f8e35fd46e1",{"button_image":17463,"button_title":17466,"button_link":17470},{"dimensions":17464,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":17465},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17467],{"type":7951,"text":17468,"spans":17469,"direction":123},"Thailand Travel Guide",[],{"link_type":69,"key":17471,"url":17472,"target":186},"ddc46c80-4996-438f-b2c8-23624a891b80","https://sg.trip.com/travel-guide/destination/thailand-100021?allianceid=7288534&sid=271572617","button_links$ec4518ad-4f93-41b8-8a5d-be953a7353ef",{"primary":17475,"items":17476,"id":17477,"slice_type":8012,"slice_label":107},{},[],"divider$41a44ceb-62b5-4e94-b116-965b412a98e7",{"primary":17479,"items":17504,"id":17505,"slice_type":7946,"slice_label":107},{"text":17480},[17481,17485,17488,17492,17495,17500],{"type":7951,"text":17482,"spans":17483,"direction":123},"🥉 3. Cambodia - Quiet, Cheap, and Underrated",[17484],{"start":8609,"end":3602,"type":3603},{"type":180,"text":17486,"spans":17487,"direction":123},"Cambodia is for travellers who like things a little slower.",[],{"type":180,"text":17489,"spans":17490,"direction":123},"It’s one of the cheapest countries to travel in Southeast Asia, and once I have move past the big tourist spots, prices drop even more.",[17491],{"start":6275,"end":12785,"type":3603},{"type":180,"text":17493,"spans":17494,"direction":123},"I remember paying less for a guesthouse than for coffee back home.",[],{"type":180,"text":17496,"spans":17497,"direction":123},"Budget-wise, things stay comfortably low and easy to manage. Local meals usually cost around SGD $3–$6, and they’re often the kind of simple, home-style dishes I will end up craving again the next day. ",[17498],{"start":17499,"end":12843,"type":3603},93,{"type":180,"text":17501,"spans":17502,"direction":123},"Guesthouses in the SGD $12–$25 range are common and surprisingly cosy, especially if I am not too picky and just want a clean place to rest. Long-distance buses are cheap and straightforward, making it easy to hop between towns without feeling like every move is draining my budget. It’s the sort of travel where I can relax into the rhythm and stop worrying about overspending.",[17503],{"start":7423,"end":5512,"type":3603},[],"text$43cff0bf-1706-40fe-863f-7458e6faf293",{"primary":17507,"items":17519,"id":17520,"slice_type":9837,"slice_label":107},{"image":17508,"caption":17515,"additional_link":17518,"anchor_id":107},{"dimensions":17509,"alt":17511,"copyright":107,"url":17512,"id":17513,"edit":17514},{"width":7513,"height":17510},823,"Cambodia","https://images.prismic.io/dive/aTuY4nNYClf9oFh2_Untitleddesign-40-.png?auto=format,compress&rect=0,0,1586,1088&w=1200&h=823","aTuY4nNYClf9oFh2",{"x":9,"y":9,"zoom":5194,"background":5195},[17516],{"type":171,"text":17132,"spans":17517,"direction":123},[],{"link_type":680},[],"image_with_caption$91c271d2-81ab-440c-acae-077918973db0",{"primary":17522,"items":17600,"id":17601,"slice_type":7946,"slice_label":107},{"text":17523},[17524,17526,17530,17534,17537,17541,17544,17547,17551,17554,17557,17560,17564,17568,17572,17576,17580,17583,17594,17596],{"type":7951,"text":17335,"spans":17525,"direction":123},[],{"type":171,"text":17527,"spans":17528,"direction":123},"Siem Reap",[17529],{"start":9,"end":8078,"type":3603},{"type":4229,"text":17531,"spans":17532,"direction":123},"Home of Angkor Wat, one of the world's greatest archaeological sites",[17533],{"start":11354,"end":8590,"type":3603},{"type":4229,"text":17535,"spans":17536,"direction":123},"Night markets, cafés, and affordable spas",[],{"type":171,"text":17538,"spans":17539,"direction":123},"Phnom Penh",[17540],{"start":9,"end":3601,"type":3603},{"type":4229,"text":17542,"spans":17543,"direction":123},"Royal Palace, riverside walks, markets",[],{"type":4229,"text":17545,"spans":17546,"direction":123},"Great food scene at low prices",[],{"type":171,"text":17548,"spans":17549,"direction":123},"Sihanoukville / Koh Rong",[17550],{"start":9,"end":6267,"type":3603},{"type":4229,"text":17552,"spans":17553,"direction":123},"Beaches, island hopping, relaxed atmosphere",[],{"type":4229,"text":17555,"spans":17556,"direction":123},"Affordable beach huts and kayak rentals",[],{"type":7951,"text":17558,"spans":17559,"direction":123},"🌟 Top Things to Do (On a Budget)",[],{"type":4229,"text":17561,"spans":17562,"direction":123},"Visit Angkor Wat Sunrise (affordable ticket & tuk-tuk combo)",[17563],{"start":8609,"end":6267,"type":3603},{"type":4229,"text":17565,"spans":17566,"direction":123},"Explore Pub Street in Siem Reap",[17567],{"start":11354,"end":8590,"type":3603},{"type":4229,"text":17569,"spans":17570,"direction":123},"Discover Royal Palace & Silver Pagoda",[17571],{"start":8078,"end":7315,"type":3603},{"type":4229,"text":17573,"spans":17574,"direction":123},"Take a Mekong River sunset cruise",[17575],{"start":9861,"end":13258,"type":3603},{"type":4229,"text":17577,"spans":17578,"direction":123},"Relax on Koh Rong beaches",[17579],{"start":8078,"end":3602,"type":3603},{"type":4229,"text":17581,"spans":17582,"direction":123},"Wander local markets for cheap food, crafts, and clothes",[],{"type":180,"text":17584,"spans":17585,"direction":123},"✈️Pro Tip: When planning my visit, I will consider booking my cheap flights to Cambodia and Cambodia hotels early to snag the best deals, perfect for every budget and style.",[17586,17587,17590],{"start":9,"end":3601,"type":3603},{"start":12785,"end":15810,"type":5402,"data":17588},{"link_type":69,"url":17589,"target":186},"https://sg.trip.com/flights/cheap-flights-to-cambodia-50/?allianceid=7288534&sid=271572617",{"start":17591,"end":13132,"type":5402,"data":17592},92,{"link_type":69,"url":17593,"target":186},"https://sg.trip.com/hotels/country/cambodia.html?allianceid=7288534&sid=271572617",{"type":180,"text":7,"spans":17595,"direction":123},[],{"type":180,"text":17597,"spans":17598,"direction":123},"🔥Important to other travellers: Siem Reap is more than just temples. Kampot is perfect if you want riverside cafés and zero pressure to “do things.”",[17599],{"start":17430,"end":13258,"type":3603},[],"text$6aa7f75b-742f-4156-9c2e-a9ffd82a3f38",{"primary":17603,"items":17604,"id":17636,"slice_type":17280,"slice_label":107},{},[17605,17615,17625],{"button_image":17606,"button_title":17609,"button_link":17613},{"dimensions":17607,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":17608},{"width":17241,"height":17241},{"x":9,"y":9,"zoom":5194,"background":5195},[17610],{"type":7951,"text":17611,"spans":17612,"direction":123},"Cheap Flights to Cambodia",[],{"link_type":69,"key":17614,"url":17589,"target":186},"f90984c6-70d9-43a8-8c37-db1b00df5106",{"button_image":17616,"button_title":17619,"button_link":17623},{"dimensions":17617,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":17618},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17620],{"type":7951,"text":17621,"spans":17622,"direction":123},"Best Hotels in Cambodia",[],{"link_type":69,"key":17624,"url":17593,"target":186},"eae234b5-d187-4f26-8e08-4ea2421e047e",{"button_image":17626,"button_title":17629,"button_link":17633},{"dimensions":17627,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":17628},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17630],{"type":7951,"text":17631,"spans":17632,"direction":123},"Cambodia Travel Guide",[],{"link_type":69,"key":17634,"url":17635,"target":186},"d2c2d59b-9ff3-40ff-96dd-42e9bdaeda9d","https://sg.trip.com/travel-guide/destination/cambodia-100081/?allianceid=7288534&sid=271572617","button_links$ad1cc556-8067-4692-b081-ac38f660193e",{"primary":17638,"items":17639,"id":17640,"slice_type":8012,"slice_label":107},{},[],"divider$f8a3fb17-db8c-4a34-bf8d-68ca4329f643",{"primary":17642,"items":17673,"id":17674,"slice_type":7946,"slice_label":107},{"text":17643},[17644,17648,17651,17654,17657,17663,17668],{"type":7951,"text":17645,"spans":17646,"direction":123},"4. Indonesia (Beyond Bali) – Cheap Travel Without the Crowds",[17647],{"start":12290,"end":5703,"type":3603},{"type":180,"text":17649,"spans":17650,"direction":123},"Bali can be cheap… but Indonesia outside Bali is where my money really stretches.",[],{"type":180,"text":17652,"spans":17653,"direction":123},"Once I step off the tourist loop, food gets cheaper, accommodation gets better, and life slows down in the best way.",[],{"type":180,"text":17655,"spans":17656,"direction":123},"Indonesia works so well for budget travellers because once I look beyond Bali, everything suddenly feels more affordable and a lot more relaxed. ",[],{"type":180,"text":17658,"spans":17659,"direction":123},"Local meals are often just SGD $3–$6, budget stays sit comfortably around SGD $15–$30, and scooter rentals cost less than a short taxi ride back home, which makes my journey getting around fun and cheap. ",[17660,17661],{"start":8585,"end":8029,"type":3603},{"start":17662,"end":8610,"type":3603},74,{"type":180,"text":17664,"spans":17665,"direction":123},"Places like Yogyakarta are perfect for culture, temples, and endless cheap food, while Lombok gives me beautiful beaches without Bali prices. ",[17666,17667],{"start":7014,"end":8084,"type":3603},{"start":15810,"end":17499,"type":3603},{"type":180,"text":17669,"spans":17670,"direction":123},"Bandung is great if I love cooler weather and café hopping, and Malang has that laid-back local vibe with waterfalls and mountains nearby. It’s the kind of country where slowing down actually saves my money, and makes the trip better.",[17671,17672],{"start":9,"end":9861,"type":3603},{"start":8832,"end":12943,"type":3603},[],"text$f80cacfa-5a89-440e-bec1-38878ad145f3",{"primary":17676,"items":17688,"id":17689,"slice_type":9837,"slice_label":107},{"image":17677,"caption":17684,"additional_link":17687,"anchor_id":107},{"dimensions":17678,"alt":17680,"copyright":107,"url":17681,"id":17682,"edit":17683},{"width":7513,"height":17679},919,"Indonesia","https://images.prismic.io/dive/aTucw3NYClf9oFib_Untitleddesign-41-.png?auto=format,compress&rect=0,0,1587,1215&w=1200&h=919","aTucw3NYClf9oFib",{"x":9,"y":9,"zoom":5194,"background":5195},[17685],{"type":171,"text":17132,"spans":17686,"direction":123},[],{"link_type":680},[],"image_with_caption$c49f98a3-489c-443d-a1da-23644c07c755",{"primary":17691,"items":17802,"id":17803,"slice_type":7946,"slice_label":107},{"text":17692},[17693,17696,17700,17703,17706,17709,17713,17716,17719,17722,17726,17729,17732,17735,17739,17742,17745,17749,17752,17755,17757,17761,17765,17769,17773,17777,17781,17785,17796,17798],{"type":7951,"text":17694,"spans":17695,"direction":123},"🏙 Best Budget-Friendly Places to Visit",[],{"type":171,"text":17697,"spans":17698,"direction":123},"Bali",[17699],{"start":9,"end":8161,"type":3603},{"type":4229,"text":17701,"spans":17702,"direction":123},"Beaches, waterfalls, cafés, temples",[],{"type":4229,"text":17704,"spans":17705,"direction":123},"Huge range of budget villas and hotels",[],{"type":4229,"text":17707,"spans":17708,"direction":123},"Perfect for 3–5 day trips",[],{"type":171,"text":17710,"spans":17711,"direction":123},"Yogyakarta",[17712],{"start":9,"end":3601,"type":3603},{"type":4229,"text":17714,"spans":17715,"direction":123},"Borobudur & Prambanan temples",[],{"type":4229,"text":17717,"spans":17718,"direction":123},"Art markets and cultural villages",[],{"type":4229,"text":17720,"spans":17721,"direction":123},"Extremely affordable food and hotels",[],{"type":171,"text":17723,"spans":17724,"direction":123},"Batam & Bintan",[17725],{"start":9,"end":5511,"type":3603},{"type":4229,"text":17727,"spans":17728,"direction":123},"Closest to Singapore (45–60 min ferry)",[],{"type":4229,"text":17730,"spans":17731,"direction":123},"Cheap massages, seafood, and resorts",[],{"type":4229,"text":17733,"spans":17734,"direction":123},"Perfect for weekend trips",[],{"type":171,"text":17736,"spans":17737,"direction":123},"Bandung",[17738],{"start":9,"end":9861,"type":3603},{"type":4229,"text":17740,"spans":17741,"direction":123},"Cool weather, shopping outlets, cafés",[],{"type":4229,"text":17743,"spans":17744,"direction":123},"Tea plantations and volcano attractions",[],{"type":171,"text":17746,"spans":17747,"direction":123},"Jakarta",[17748],{"start":9,"end":9861,"type":3603},{"type":4229,"text":17750,"spans":17751,"direction":123},"Modern malls, museums, food scene",[],{"type":4229,"text":17753,"spans":17754,"direction":123},"Budget-friendly hotels and urban attractions",[],{"type":7951,"text":17558,"spans":17756,"direction":123},[],{"type":4229,"text":17758,"spans":17759,"direction":123},"Visit waterfalls in Bali (Tegenungan, Sekumpul, Gitgit)",[17760],{"start":9,"end":6275,"type":3603},{"type":4229,"text":17762,"spans":17763,"direction":123},"Temple hopping: Tanah Lot, Uluwatu, Borobudur, Prambanan",[17764],{"start":9,"end":5511,"type":3603},{"type":4229,"text":17766,"spans":17767,"direction":123},"Beach days at Kuta, Nusa Dua, Seminyak",[17768],{"start":9,"end":3601,"type":3603},{"type":4229,"text":17770,"spans":17771,"direction":123},"Mount Bromo sunrise tour (very affordable group options)",[17772],{"start":9,"end":6267,"type":3603},{"type":4229,"text":17774,"spans":17775,"direction":123},"Ferry trip for Batam/Bintan weekend getaway",[17776],{"start":9,"end":3601,"type":3603},{"type":4229,"text":17778,"spans":17779,"direction":123},"Shopping in Bandung and Jakarta",[17780],{"start":9,"end":11354,"type":3603},{"type":4229,"text":17782,"spans":17783,"direction":123},"Street food tours everywhere — cheap and delicious",[17784],{"start":9,"end":3602,"type":3603},{"type":180,"text":17786,"spans":17787,"direction":123},"✈️Pro Tip: Before travel to Indonesia, I will book cheap flights to Indonesia and Indonesia hotels early to snag the best deals, perfect for every budget and style.",[17788,17789,17792],{"start":9,"end":3601,"type":3603},{"start":5401,"end":12407,"type":5402,"data":17790},{"link_type":69,"url":17791,"target":186},"https://sg.trip.com/flights/singapore-to-jakarta/airfares-sin-jkt/?allianceid=7288534&sid=271572617",{"start":10868,"end":17793,"type":5402,"data":17794},98,{"link_type":69,"url":17795,"target":186},"https://sg.trip.com/hotels/country/indonesia.html?allianceid=7288534&sid=271572617",{"type":180,"text":7,"spans":17797,"direction":123},[],{"type":180,"text":17799,"spans":17800,"direction":123},"✅Note to other travellers: Yogyakarta is my favourite, culture, temples, cheap food, and a really relaxed pace. Lombok too, if I want beaches without Bali prices.",[17801],{"start":5194,"end":8585,"type":3603},[],"text$0fab5c9c-3b46-4212-a1f1-0c3cf75eb15f",{"primary":17805,"items":17806,"id":17838,"slice_type":17280,"slice_label":107},{},[17807,17817,17827],{"button_image":17808,"button_title":17811,"button_link":17815},{"dimensions":17809,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":17810},{"width":17241,"height":17241},{"x":9,"y":9,"zoom":5194,"background":5195},[17812],{"type":7951,"text":17813,"spans":17814,"direction":123},"Cheap Flights to Jakarta",[],{"link_type":69,"key":17816,"url":17791,"target":186},"3747e17b-1a7f-4589-adc4-16c9646e38b5",{"button_image":17818,"button_title":17821,"button_link":17825},{"dimensions":17819,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":17820},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17822],{"type":7951,"text":17823,"spans":17824,"direction":123},"Best Hotels in Indonesia",[],{"link_type":69,"key":17826,"url":17795,"target":186},"c5e9e6a8-279c-4264-b101-14e591d60df6",{"button_image":17828,"button_title":17831,"button_link":17835},{"dimensions":17829,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":17830},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[17832],{"type":7951,"text":17833,"spans":17834,"direction":123},"More info about Indonesia",[],{"link_type":69,"key":17836,"url":17837,"target":186},"5c76fbc1-a7b9-408d-a667-5c1f785b483d","https://sg.trip.com/travel-guide/destination/indonesia-100045/?allianceid=7288534&sid=271572617","button_links$042b7f8e-a847-4d58-89f9-0cda8db967ca",{"primary":17840,"items":17841,"id":17842,"slice_type":8012,"slice_label":107},{},[],"divider$0e86d9a7-b756-4eac-b289-2057608473ef",{"primary":17844,"items":17869,"id":17870,"slice_type":7946,"slice_label":107},{"text":17845},[17846,17850,17853,17857,17862,17866],{"type":7951,"text":17847,"spans":17848,"direction":123},"5. 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It’s the kind of travel where my money stretches further, and I can actually relax instead of constantly worrying about my budget.",[],[],"text$58cde0b1-c439-40d3-a28a-5c7beffe3ee1",{"primary":17872,"items":17884,"id":17885,"slice_type":9837,"slice_label":107},{"image":17873,"caption":17880,"additional_link":17883,"anchor_id":107},{"dimensions":17874,"alt":17876,"copyright":107,"url":17877,"id":17878,"edit":17879},{"width":7513,"height":17875},914,"Malaysia","https://images.prismic.io/dive/aTufCXNYClf9oFin_Untitleddesign-42-.png?auto=format,compress&rect=0,0,1587,1209&w=1200&h=914","aTufCXNYClf9oFin",{"x":9,"y":9,"zoom":5194,"background":5195},[17881],{"type":171,"text":17132,"spans":17882,"direction":123},[],{"link_type":680},[],"image_with_caption$0a2ab202-5ce7-47b7-95bf-b2ba8a6755c1",{"primary":17887,"items":17997,"id":17998,"slice_type":7946,"slice_label":107},{"text":17888},[17889,17891,17895,17898,17901,17905,17908,17911,17915,17918,17921,17925,17928,17931,17935,17938,17941,17945,17948,17951,17953,17957,17961,17965,17969,17974,17978,17981,17991,17993],{"type":7951,"text":17335,"spans":17890,"direction":123},[],{"type":171,"text":17892,"spans":17893,"direction":123},"Kuala Lumpur",[17894],{"start":9,"end":7014,"type":3603},{"type":4229,"text":17896,"spans":17897,"direction":123},"Shopping malls, street food, Batu Caves",[],{"type":4229,"text":17899,"spans":17900,"direction":123},"Night markets and cultural sites at low cost",[],{"type":171,"text":17902,"spans":17903,"direction":123},"Penang",[17904],{"start":9,"end":8609,"type":3603},{"type":4229,"text":17906,"spans":17907,"direction":123},"Penang street food (one of the best in Asia)",[],{"type":4229,"text":17909,"spans":17910,"direction":123},"Street art, murals, beaches, historic old town",[],{"type":171,"text":17912,"spans":17913,"direction":123},"Melaka",[17914],{"start":9,"end":8609,"type":3603},{"type":4229,"text":17916,"spans":17917,"direction":123},"Jonker Street, cafés, river cruise",[],{"type":4229,"text":17919,"spans":17920,"direction":123},"Great for 2D1N or 3D2N trips",[],{"type":171,"text":17922,"spans":17923,"direction":123},"Johor Bahru (JB)",[17924],{"start":9,"end":6275,"type":3603},{"type":4229,"text":17926,"spans":17927,"direction":123},"Closest to Singapore; perfect for day trips",[],{"type":4229,"text":17929,"spans":17930,"direction":123},"Cheap massages, cafés, theme parks",[],{"type":171,"text":17932,"spans":17933,"direction":123},"Langkawi",[17934],{"start":9,"end":11354,"type":3603},{"type":4229,"text":17936,"spans":17937,"direction":123},"Duty-free island",[],{"type":4229,"text":17939,"spans":17940,"direction":123},"Quiet beaches and nature at affordable prices",[],{"type":171,"text":17942,"spans":17943,"direction":123},"Kota Kinabalu",[17944],{"start":9,"end":5703,"type":3603},{"type":4229,"text":17946,"spans":17947,"direction":123},"Island hopping, seafood, nature activities",[],{"type":4229,"text":17949,"spans":17950,"direction":123},"Great for families and adventure lovers",[],{"type":7951,"text":17558,"spans":17952,"direction":123},[],{"type":4229,"text":17954,"spans":17955,"direction":123},"Visit Petronas Towers (free photo spots around KLCC park)",[17956],{"start":8609,"end":12763,"type":3603},{"type":4229,"text":17958,"spans":17959,"direction":123},"Explore George Town, street art & hawker food",[17960],{"start":11354,"end":7423,"type":3603},{"type":4229,"text":17962,"spans":17963,"direction":123},"Ride the Melaka River Cruise",[17964],{"start":8078,"end":9715,"type":3603},{"type":4229,"text":17966,"spans":17967,"direction":123},"Enjoy Langkawi beaches (free!)",[17968],{"start":8609,"end":8084,"type":3603},{"type":4229,"text":17970,"spans":17971,"direction":123},"Trek Penang Hill or Bukit Tinggi",[17972,17973],{"start":8172,"end":6275,"type":3603},{"start":10614,"end":8595,"type":3603},{"type":4229,"text":17975,"spans":17976,"direction":123},"Island hopping in Kota Kinabalu",[17977],{"start":8590,"end":9708,"type":3603},{"type":4229,"text":17979,"spans":17980,"direction":123},"Café hopping in JB for cheap and trendy eats",[],{"type":180,"text":17982,"spans":17983,"direction":123},"✈️Pro Tip: I will consider booking my cheap flights to Malaysia and Malaysia hotels early to snag the best deals, perfect for every budget and style.",[17984,17985,17988],{"start":9,"end":3601,"type":3603},{"start":9417,"end":7965,"type":5402,"data":17986},{"link_type":69,"url":17987,"target":186},"https://sg.trip.com/flights/singapore-to-kuala-lumpur/airfares-sin-kul/?allianceid=7288534&sid=271572617",{"start":15154,"end":9586,"type":5402,"data":17989},{"link_type":69,"url":17990,"target":186},"https://sg.trip.com/hotels/country/malaysia.html?allianceid=7288534&sid=271572617",{"type":180,"text":7,"spans":17992,"direction":123},[],{"type":180,"text":17994,"spans":17995,"direction":123},"🚗Tips to other travellers: Penang for food, Kuala Lumpur for city life, Langkawi for laid-back island days. No rush, no stress.",[17996],{"start":17430,"end":9715,"type":3603},[],"text$250dde5b-8d03-4829-be86-2ddb1aaa66a4",{"primary":18000,"items":18001,"id":18033,"slice_type":17280,"slice_label":107},{},[18002,18012,18022],{"button_image":18003,"button_title":18006,"button_link":18010},{"dimensions":18004,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":18005},{"width":17241,"height":17241},{"x":9,"y":9,"zoom":5194,"background":5195},[18007],{"type":7951,"text":18008,"spans":18009,"direction":123},"Cheap Flights to Malaysia",[],{"link_type":69,"key":18011,"url":17987,"target":186},"e053ef99-d9e5-4e2d-8b1d-ea8a05b0d559",{"button_image":18013,"button_title":18016,"button_link":18020},{"dimensions":18014,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":18015},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[18017],{"type":7951,"text":18018,"spans":18019,"direction":123},"Best Hotels in Malaysia",[],{"link_type":69,"key":18021,"url":17990,"target":186},"3ed353fa-f333-4c32-a9b3-7c9700382a39",{"button_image":18023,"button_title":18026,"button_link":18030},{"dimensions":18024,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":18025},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[18027],{"type":7951,"text":18028,"spans":18029,"direction":123},"Malaysia Travel Guide",[],{"link_type":69,"key":18031,"url":18032,"target":186},"af8eb867-dfc5-4f57-a711-c6a379b19d85","https://sg.trip.com/travel-guide/destination/malaysia-100022/?allianceid=7288534&sid=271572617","button_links$250befe7-a55d-4055-909d-58188df89f12",{"primary":18035,"items":18036,"id":18037,"slice_type":8012,"slice_label":107},{},[],"divider$284f4fdf-6018-4092-9323-8e371b6343b1",{"primary":18039,"items":18047,"id":18048,"slice_type":7946,"slice_label":107},{"text":18040},[18041,18044],{"type":7951,"text":18042,"spans":18043,"direction":123},"💰 Here Are My Tips for Keeping My Holiday Costs Low",[],{"type":180,"text":18045,"spans":18046,"direction":123},"✔ Travel during shoulder or off-peak seasons\n✔ Stay in guesthouses or boutique hostels\n✔ Use local transport (buses, trains, tuk-tuks)\n✔ Eat where locals eat\n✔ Book flights early or use fare alerts",[],[],"text$571c1856-0f42-46ff-9396-50deda5dead5",{"primary":18050,"items":18064,"id":18065,"slice_type":7946,"slice_label":107},{"text":18051},[18052,18055],{"type":7951,"text":18053,"spans":18054,"direction":123},"📌Final Thoughts",[],{"type":180,"text":18056,"spans":18057,"direction":123},"To other travellers, whether you're planning a short getaway from Singapore, deciding where to go this weekend, or searching for budget-friendly travel destinations, Southeast Asia offers endless options. From spa retreats in Batam to cultural adventures in Yogyakarta or family trips to Penang, these are some of the cheapest holiday destinations that still offer rich experiences.",[18058,18059,18060,18062],{"start":7958,"end":14021,"type":3603},{"start":14397,"end":15731,"type":3603},{"start":12519,"end":18061,"type":3603},164,{"start":18063,"end":6817,"type":3603},318,[],"text$2f755aae-ab6d-4a44-a9f6-9c763ec8cf44",{"primary":18067,"items":18068,"id":18069,"slice_type":8012,"slice_label":107},{},[],"divider$76caf7ee-c2a2-4e5a-89be-3226372590a2",{"primary":18071,"items":18079,"id":18080,"slice_type":7946,"slice_label":107},{"text":18072},[18073,18076],{"type":171,"text":18074,"spans":18075,"direction":123},"Find More Deals",[],{"type":180,"text":18077,"spans":18078,"direction":123},"Find the latest Trip.com promo codes, coupons, flight deals, hotel discounts for Singapore!",[],[],"text$1ca3da45-d7b0-4897-bcbe-466e52ea87d1",{"primary":18082,"items":18095,"id":18096,"slice_type":9837,"slice_label":107},{"image":18083,"caption":18089,"additional_link":18092,"anchor_id":107},{"dimensions":18084,"alt":18085,"copyright":107,"url":18086,"id":18087,"edit":18088},{"width":7513,"height":6884},"Trip.com Promo Code","https://images.prismic.io/dive/aTke33NYClf9n_4y_1n96v12000q6h9l7gB9D0.jpg?auto=format,compress&rect=0,0,1900,359&w=1200&h=227","aTke33NYClf9n_4y",{"x":9,"y":9,"zoom":5194,"background":5195},[18090],{"type":171,"text":17132,"spans":18091,"direction":123},[],{"link_type":69,"key":18093,"url":18094,"target":186},"af0aaedc-071a-4cb1-8412-2f3f7311e681","https://sg.trip.com/hot/articles/trip.com-promo-code.html?allianceid=7288534&sid=271572617",[],"image_with_caption$f4b18365-74fc-4326-943a-c93180f1fbd5",{"primary":18098,"items":18125,"id":18126,"slice_type":7946,"slice_label":107},{"text":18099},[18100,18103,18106,18109,18111,18114,18117,18119,18122],{"type":7951,"text":18101,"spans":18102,"direction":123},"FAQ: Top Cheapest Holiday Destinations",[],{"type":180,"text":18104,"spans":18105,"direction":123},"What makes a destination “cheap” for travelers in 2026?",[],{"type":180,"text":18107,"spans":18108,"direction":123},"A destination is considered cheap if daily costs for accommodation, food, transport, and activities are significantly lower than in typical tourist hotspots. Exchange rates, local purchasing power, and low-cost infrastructure also play a major role. Even in popular countries, traveling during off-season or outside major cities can make the trip very affordable.",[],{"type":180,"text":7,"spans":18110,"direction":123},[],{"type":180,"text":18112,"spans":18113,"direction":123},"How can I keep my travel costs low without sacrificing experience?",[],{"type":180,"text":18115,"spans":18116,"direction":123},"Budget travel is more about smart planning than cutting out fun. Choosing public transport, eating at local eateries, staying in guesthouses or hostels, and exploring free cultural or natural attractions helps reduce costs. Booking flights in advance and traveling in the shoulder season can also save a lot. Flexibility and openness to local experiences often lead to richer and cheaper trips.",[],{"type":180,"text":7,"spans":18118,"direction":123},[],{"type":180,"text":18120,"spans":18121,"direction":123},"Are budget destinations less safe or lower in quality?",[],{"type":180,"text":18123,"spans":18124,"direction":123},"Not necessarily. Many affordable destinations have excellent infrastructure, safe neighborhoods, and welcoming local communities. Budget travel simply encourages staying outside luxury zones, eating local food, and using public transport. 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Perfect for thrill seekers and outdoor lovers planning their next adventure.",[],{"dimensions":18152,"alt":18154,"copyright":107,"url":18155,"id":18156,"edit":18157},{"width":17057,"height":18153},1084,"Top Adventure Travel Destinations","https://images.prismic.io/dive/aU3zYXNYClf9opIC_Untitleddesign-12-.png?auto=format,compress","aU3zYXNYClf9opIC",{"x":9,"y":9,"zoom":5194,"background":5195},"2025-12-26",{"id":17065,"type":7881,"tags":18160,"lang":115,"slug":17067,"first_publication_date":17068,"last_publication_date":17069,"link_type":7927,"key":18161,"isBroken":16},[],"1789f7e2-51d1-4fd9-837a-ac94338660b5",[18163,18176,18188,18204,18234,18263,18267,18280,18295,18319,18343,18347,18360,18375,18402,18426,18430,18441,18456,18480,18504,18508,18519,18533,18561,18585,18589,18605,18614,18626],{"primary":18164,"items":18174,"id":18175,"slice_type":7946,"slice_label":107},{"text":18165},[18166,18169],{"type":180,"text":18167,"spans":18168,"direction":123},"I’ve realised something about myself over the years: if a destination doesn’t make my heart race just a little, I get bored fast. ",[],{"type":180,"text":18170,"spans":18171,"direction":123},"These are the places where I stopped scrolling, packed my bags, and came back with shaky legs, muddy shoes, and stories I still tell. If you’re searching for the best adventure travel destinations, these are the ones that truly delivered.",[18172],{"start":18173,"end":12525,"type":3603},162,[],"text$9d63bdd9-ecee-4a0c-8ca4-c319db98b523",{"primary":18177,"items":18186,"id":18187,"slice_type":7946,"slice_label":107},{"text":18178},[18179,18182],{"type":7951,"text":18180,"spans":18181,"direction":123},"Queenstown, New Zealand – Where Adrenaline Is a Lifestyle",[],{"type":180,"text":18183,"spans":18184,"direction":123},"Queenstown doesn’t slowly introduce itself, it grabs you by the shoulders and says, “Let’s do this.” From the moment I arrived, adrenaline was everywhere. I jumped off bridges, skimmed across rivers on jet boats that felt way too fast, and still somehow found time to hike along lakes so unreal they looked edited. Even on rest days, I couldn’t sit still. 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Pre-Screening Instructions",[19860],{"start":12290,"end":11171,"type":3603},{"type":180,"text":19862,"spans":19863,"direction":123},"Different health screening packages come with their own pre-screening instructions. However, there are common guidelines you should follow to ensure that your tests yield reliable results:",[],{"type":4229,"text":19865,"spans":19866,"direction":123},"Fasting: Most health screenings require fasting for 8 to 12 hours prior, especially if you are undergoing blood tests for cholesterol, glucose, or liver function. You should avoid eating or drinking anything other than water during this period. ",[19867],{"start":9,"end":9861,"type":3603},{"type":4229,"text":19869,"spans":19870,"direction":123},"Medications: Continue taking prescribed medications unless instructed otherwise by your doctor. For certain tests such as blood pressure or heart health assessments, your healthcare provider may provide special instructions about medication adjustments. It’s important to inform your doctor if you are on any medication or supplements before the screening.",[19871],{"start":9,"end":5452,"type":3603},{"type":4229,"text":19873,"spans":19874,"direction":123},"Avoid Alcohol and Smoking: It is advisable to avoid alcohol and smoking for at least 24 hours before your screening, as these can affect the accuracy of certain test results.",[19875],{"start":9,"end":6407,"type":3603},{"type":171,"text":19877,"spans":19878,"direction":123},"2. What to Bring",[19879],{"start":12290,"end":6275,"type":3603},{"type":180,"text":19881,"spans":19882,"direction":123},"To ensure your health screening goes smoothly, be sure to bring the following items:",[],{"type":4229,"text":19884,"spans":19885,"direction":123},"Identification: Bring your identification card (NRIC) or passport for registration. For those eligible for government-subsidized screenings, remember to bring your CHAS card or any relevant documents.",[19886],{"start":9,"end":5511,"type":3603},{"type":4229,"text":19888,"spans":19889,"direction":123},"Referral Letter (if applicable): If your doctor has referred you for specific tests or screenings, ensure that you bring the referral letter along to avoid any confusion.",[19890],{"start":9,"end":9708,"type":3603},{"type":4229,"text":19892,"spans":19893,"direction":123},"List of Medications: Prepare a list of any medications, vitamins, or supplements you are currently taking, as the healthcare team may ask about them during your consultation.",[19894],{"start":9,"end":7423,"type":3603},{"type":180,"text":19896,"spans":19897,"direction":123},"By preparing well in advance, your health screening will be a smooth and efficient process, giving you the best chance to detect any potential health issues early and get the appropriate care you need.",[],[],"text$aa82ab35-5b35-4949-85f0-4329bbd3adc9",{"primary":19901,"items":19913,"id":19914,"slice_type":9837,"slice_label":107},{"image":19902,"caption":19908,"additional_link":19912,"anchor_id":107},{"dimensions":19903,"alt":107,"copyright":107,"url":19905,"id":19906,"edit":19907},{"width":7513,"height":19904},1006,"https://images.prismic.io/dive/ZxD5foF3NbkBXrPr_33030786_10156464312268069_7555818192107470848_n.png?auto=format,compress&rect=0,0,940,788&w=1200&h=1006","ZxD5foF3NbkBXrPr",{"x":9,"y":9,"zoom":5194,"background":5195},[19909],{"type":171,"text":19910,"spans":19911,"direction":123},"Image from Tan Tock Seng Hospital",[],{"link_type":680},[],"image_with_caption$0f0d077b-e00a-4ac5-80f4-959c01c17942",{"primary":19916,"items":19940,"id":19941,"slice_type":7946,"slice_label":107},{"text":19917},[19918,19921,19924,19928,19932,19936],{"type":7951,"text":19398,"spans":19919,"direction":123},[19920],{"start":9,"end":5400,"type":3603},{"type":180,"text":19922,"spans":19923,"direction":123},"On the day of your health screening, expect to spend anywhere from 1 to 3 hours depending on the comprehensiveness of the package. 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",[19935],{"start":9,"end":8585,"type":3603},{"type":4229,"text":19937,"spans":19938,"direction":123},"Consultation with a Doctor: After your tests are completed, you will meet with a doctor or healthcare professional to discuss your results and any necessary follow-up actions. If your results take a few days, you may be scheduled for a follow-up consultation to go over the findings.",[19939],{"start":9,"end":9371,"type":3603},[],"text$963691a4-d7c4-4bd7-96bf-98c49be3d1ed",{"primary":19943,"items":19947,"id":19948,"slice_type":9837,"slice_label":107},{"image":19944,"caption":19945,"additional_link":19946,"anchor_id":107},{},[],{"link_type":680},[],"image_with_caption$df0196b5-949f-4c1e-a179-5dbd240b9156",{"primary":19950,"items":19951,"id":19952,"slice_type":8012,"slice_label":107},{},[],"divider$c3f380fa-7a8e-4942-911d-98a2d6de2987",{"primary":19954,"items":19962,"id":19963,"slice_type":7946,"slice_label":107},{"text":19955},[19956,19959],{"type":180,"text":19957,"spans":19958,"direction":123},"To complement your health and wellness journey, consider Schone Mama's 3-in-1 Postpartum Body Sculpting treatment. For just $38, this specialized treatment is designed to support new mothers in regaining their pre-pregnancy figure by targeting body sculpting, firming, and skin tightening. With Schone Mama’s expertise in postpartum care, this offer provides an affordable and effective way to rejuvenate your body after childbirth, helping you feel confident and refreshed. Whether you’re prioritizing your health through screenings or treatments like this one, investing in your well-being is key to living your best life.",[],{"type":180,"text":19960,"spans":19961,"direction":123},"We hope that you find this guide useful in comparing the different health screening packages available in Singapore. By understanding your health needs and the options offered by various providers, you can make a well-informed decision that promotes early detection and long-term wellness. Stay updated with the latest health screening updates and changes to prices by regularly visiting this blog. Stay safe!",[],[],"text$9aaecb49-ab92-42be-95ed-8d598d6542f4",{"id":19965,"uid":19966,"url":107,"type":7846,"href":19967,"tags":19968,"first_publication_date":19970,"last_publication_date":19971,"slugs":19972,"linked_documents":19974,"lang":115,"alternate_languages":19975,"data":19976},"aTjPDxIAACQApxsX","top-china-destinations","https://dive.cdn.prismic.io/api/v2/documents/search?ref=afq0jRAAABH-YyrP&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aTjPDxIAACQApxsX%22%29+%5D%5D",[17035,19969],"China","2025-12-10T05:54:19+0000","2025-12-10T07:47:42+0000",[19973],"top-china-destinations--best-places-to-visit-2026",[],[],{"title":19977,"seo_title":19981,"seo_meta_description":19984,"featured":16,"expired":16,"noindex":16,"cover_image":19988,"date":19995,"author_link":19996,"body":20003},[19978],{"type":120,"text":19979,"spans":19980,"direction":123},"Top China Destinations & Best Places to Visit [2026]",[],[19982],{"type":120,"text":19979,"spans":19983,"direction":123},[],[19985],{"type":120,"text":19986,"spans":19987,"direction":123},"Discover the top destinations in China for foreign travellers. Get curated destination ideas, travel tips, attractions, and plan your dream China adventure.",[],{"dimensions":19989,"alt":19991,"copyright":107,"url":19992,"id":19993,"edit":19994},{"width":19990,"height":5297},1000,"Top China Destinations","https://images.prismic.io/dive/aTjYh3NYClf9n_og_TopChinaDestinations-1-.png?auto=format,compress","aTjYh3NYClf9n_og",{"x":9,"y":9,"zoom":5194,"background":5195},"2025-12-10",{"id":19997,"type":7881,"tags":19998,"lang":115,"slug":19999,"first_publication_date":20000,"last_publication_date":20001,"link_type":7927,"key":20002,"isBroken":16},"aTjRzhIAACUApyGB",[],"leona","2025-12-10T01:57:49+0000","2025-12-10T08:58:01+0000","96808eec-5c9f-44de-9664-209ab9a4dece",[20004,20015,20032,20047,20082,20117,20121,20139,20153,20191,20195,20230,20234,20252,20266,20301,20336,20340,20358,20372,20407,20442,20446,20464,20478,20516,20551,20555,20566,20583,20600,20614,20652,20687,20691,20708,20722,20754,20789,20793,20811,20825,20859,20894,20898,20917,20931,20966,21001,21005,21023,21037,21075,21110,21114,21136,21147,21151,21160,21172],{"primary":20005,"items":20013,"id":20014,"slice_type":7946,"slice_label":107},{"text":20006},[20007,20010],{"type":180,"text":20008,"spans":20009,"direction":123},"Planning a trip to China can feel a little overwhelming at first, not because it’s difficult, but because there’s simply so much to see. China is a country where history, culture, food, and modern innovation blend so effortlessly that every city feels like a new adventure waiting to unfold.",[],{"type":180,"text":20011,"spans":20012,"direction":123},"In this guide, I’ll walk you through the top China destinations worth adding to your itinerary, along with insider tips and long-tail gems such as the best China destinations for first-time travellers.",[],[],"text$6c474951-dc0a-41e9-b1f0-063e264c9bda",{"primary":20016,"items":20030,"id":20031,"slice_type":7946,"slice_label":107},{"text":20017},[20018,20021,20024,20027],{"type":7951,"text":20019,"spans":20020,"direction":123},"1. 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It’s one of the best places to understand China’s royal past.",[],{"type":4229,"text":20057,"spans":20058,"direction":123},"Great Wall: Visit the Mutianyu or Jinshanling sections for scenic mountain views, quieter paths, and beautifully restored watchtowers. It’s a rewarding climb and perfect for photos.",[],{"type":4229,"text":20060,"spans":20061,"direction":123},"Temple of Heaven: A beautiful round temple set inside a massive park where locals gather for tai chi, dancing, and morning exercises.",[],{"type":171,"text":20063,"spans":20064,"direction":123},"Best Experiences in Beijing",[],{"type":4229,"text":20066,"spans":20067,"direction":123},"Peking duck tasting: Try the famous crispy duck at a well-known restaurant, carved right in front of you and served with thin pancakes, spring onions, and sweet sauce.",[],{"type":4229,"text":20069,"spans":20070,"direction":123},"Tea houses: Spend some quiet time in a traditional teahouse, tasting different Chinese teas and enjoying the calming atmosphere in the hutongs.",[],{"type":180,"text":20072,"spans":20073,"direction":123},"Pro Tip: When planning your visit, consider booking your flights to Beijing and Beijing hotels early to snag the best deals, perfect for every budget and style.",[20074,20077],{"start":16310,"end":14021,"type":5402,"data":20075},{"link_type":69,"url":20076,"target":186},"https://sg.trip.com/flights/singapore-to-beijing/airfares-sin-bjs/?allianceid=7288534&sid=271572617",{"start":10882,"end":16189,"type":5402,"data":20078},{"link_type":69,"url":20079,"target":186},"https://sg.trip.com/hotels/beijing-hotels-list-1/?allianceid=7288534&sid=271572617",[],"text$ee6435e2-e967-4252-8779-170c60834784",{"primary":20083,"items":20084,"id":20116,"slice_type":17280,"slice_label":107},{},[20085,20095,20105],{"button_image":20086,"button_title":20089,"button_link":20093},{"dimensions":20087,"alt":17242,"copyright":107,"url":17243,"id":17244,"edit":20088},{"width":17241,"height":17241},{"x":9,"y":9,"zoom":5194,"background":5195},[20090],{"type":7951,"text":20091,"spans":20092,"direction":123},"Flight Deals to Beijing",[],{"link_type":69,"key":20094,"url":20076,"target":186},"cb84267f-fdea-440c-b339-9f87793171fb",{"button_image":20096,"button_title":20099,"button_link":20103},{"dimensions":20097,"alt":17256,"copyright":107,"url":17257,"id":17258,"edit":20098},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[20100],{"type":7951,"text":20101,"spans":20102,"direction":123},"Hotel Deals in Beijing",[],{"link_type":69,"key":20104,"url":20079,"target":186},"ed137cc6-0a20-4051-9915-c278c260e1e4",{"button_image":20106,"button_title":20109,"button_link":20113},{"dimensions":20107,"alt":17269,"copyright":107,"url":17270,"id":17271,"edit":20108},{"width":17255,"height":17255},{"x":9,"y":9,"zoom":5194,"background":5195},[20110],{"type":7951,"text":20111,"spans":20112,"direction":123},"More Info About Beijing",[],{"link_type":69,"key":20114,"url":20115,"target":186},"b7e1460c-5a47-45a3-9c22-055c84985e3c","https://sg.trip.com/travel-guide/destination/beijing-1/?allianceid=7288534&sid=271572617","button_links$70d073ac-a5a8-4075-8484-2f540789c2a3",{"primary":20118,"items":20119,"id":20120,"slice_type":8012,"slice_label":107},{},[],"divider$29e723f1-8a05-4d99-996a-f7fcbbbd6538",{"primary":20122,"items":20137,"id":20138,"slice_type":7946,"slice_label":107},{"text":20123},[20124,20127,20130,20132,20135],{"type":7951,"text":20125,"spans":20126,"direction":123},"2. Shanghai: Modern Marvels & Old Charm",[],{"type":4229,"text":20128,"spans":20129,"direction":123},"Recommended travel duration: 3-4 days",[],{"type":4229,"text":20025,"spans":20131,"direction":123},[],{"type":180,"text":20133,"spans":20134,"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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Hangzhou: Lakeside Calm and Tea Culture",[],{"type":4229,"text":20800,"spans":20801,"direction":123},"Recommended travel duration: 1-2 days",[],{"type":4229,"text":20025,"spans":20803,"direction":123},[],{"type":180,"text":20805,"spans":20806,"direction":123},"Hangzhou instantly feels peaceful, thanks to its famous West Lake and scenic surroundings. It’s one of China’s most romantic and picturesque destinations, where traditional gardens, temples, and pagodas sit alongside calm waters. 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Hei Sushi - Up to 20% Off",[23704,23705],{"start":9,"end":5703,"type":3603},{"start":10455,"end":9715,"type":5402,"data":23706},{"link_type":69,"url":23707,"target":19384},"https://divedeals.sg/deals/food/Hei-Sushi-Up-to-20-off-1769375075_HeiSushi ",{"type":180,"text":23709,"spans":23710,"direction":123},"Valid for ala carte items only. ",[],{"type":180,"text":23712,"spans":23713,"direction":123},"9. Seoul Garden - $20 Birthday Voucher",[23714,23715],{"start":9,"end":6275,"type":3603},{"start":8590,"end":9417,"type":5402,"data":23716},{"link_type":69,"url":23717,"target":19384},"https://divedeals.sg/deals/food/Seoul-Garden-20-Birthday-Voucher-1738308871_SeoulGarden ",{"type":180,"text":23719,"spans":23720,"direction":123},"Sign up for a free membership to receive $20 birthday voucher.",[],{"type":180,"text":23722,"spans":23723,"direction":123},"10. Don Don Donki - Surprise Birthday Gift ",[23724,23725],{"start":9,"end":8590,"type":3603},{"start":10614,"end":5453,"type":5402,"data":23726},{"link_type":69,"url":23727,"target":19384},"https://divedeals.sg/deals/food/DON-DON-DONKI-Surprise-Birthday-Gift-1769373658_DONDONDONKI ",{"type":180,"text":23729,"spans":23730,"direction":123},"Sign up for FREE and enjoy lifetime DONKI member perks! Get ready for flash deals, birthday surprises, and cash coupons!",[],{"type":180,"text":23732,"spans":23733,"direction":123},"11. Commonwealth Concepts - 3 x 30% Off ",[23734,23735],{"start":9,"end":9371,"type":3603},{"start":9715,"end":7433,"type":5402,"data":23736},{"link_type":69,"url":23737,"target":19384},"https://divedeals.sg/deals/food/Commonwealth-Concepts-Up-to-3-x-30-Birthday-Discount-1774523425_CommonwealthConcepts ",{"type":4229,"text":23739,"spans":23740,"direction":123},"Plus 1: 25% Off",[],{"type":4229,"text":23742,"spans":23743,"direction":123},"Plus 2:  2 x 25% off birthday vouchers",[],{"type":4229,"text":23745,"spans":23746,"direction":123},"Plus 3 members: 3 x 30% off vouchers.",[],[23748],{},"text$f90ec675-d4f3-450b-b48f-520933095623",{"primary":23751,"items":23759,"id":23761,"slice_type":9837,"slice_label":107},{"image":23752,"caption":23757,"additional_link":23758,"anchor_id":107},{"dimensions":23753,"alt":107,"copyright":107,"url":23754,"id":23755,"edit":23756},{"width":7513,"height":23581},"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},[23760],{},"image_with_caption$0317e7c6-2a28-4b04-a2f0-1914b30e1424",{"primary":23763,"items":23846,"id":23848,"slice_type":7946,"slice_label":107},{"text":23764},[23765,23768,23778,23781,23791,23794,23801,23804,23811,23814,23817,23820,23823,23830,23833,23840,23843],{"type":7951,"text":23766,"spans":23767,"direction":123},"Asian",[],{"type":180,"text":23769,"spans":23770,"direction":123},"12. Paradise Group - 20% rebates & $50 e-birthday vouchers",[23771,23772,23775],{"start":9,"end":10614,"type":3603},{"start":8161,"end":8590,"type":5402,"data":23773},{"link_type":69,"url":23774,"target":19384},"https://divedeals.sg/brands/Paradise-Group",{"start":12763,"end":8938,"type":5402,"data":23776},{"link_type":69,"url":23777,"target":186},"https://divedeals.sg/deals/food/Paradise-Group-20-P-rebates--50-birthday-e-vouchers-1769365845_ParadiseGroup",{"type":180,"text":23779,"spans":23780,"direction":123},"Earn 20% P$ 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":23782,"spans":23783,"direction":123},"13. Suki-Suki Thai Hot Pot - Dine for free on your birthday",[23784,23785,23788],{"start":9,"end":9371,"type":3603},{"start":8161,"end":9371,"type":5402,"data":23786},{"link_type":69,"url":23787,"target":186},"https://divedeals.sg/brands/Suki-Suki-Thai-Hot-Pot",{"start":11171,"end":9688,"type":5402,"data":23789},{"link_type":69,"url":23790,"target":186},"https://divedeals.sg/deals/food/Suki-Suki-Thai-Hot-Pot-Dine-for-free-on-your-birthday-1769365923_SukiSukiThaiHotPot",{"type":180,"text":23792,"spans":23793,"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":23795,"spans":23796,"direction":123},"14. Shihlin Taiwan Street Snacks - 1-for-1 ala carte snack birthday reward",[23797,23798],{"start":9,"end":8595,"type":3603},{"start":5400,"end":17662,"type":5402,"data":23799},{"link_type":69,"url":23800,"target":186},"https://divedeals.sg/deals/food/Shihlin-Taiwan-Street-Snacks-1-for-1-ala-carte-snack-birthday-reward-1769365967_ShihlinTaiwanStreetSnacks",{"type":180,"text":23802,"spans":23803,"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":23805,"spans":23806,"direction":123},"15. 海底捞 Haidilao Hot Pot - Up to $60 Birthday Voucher",[23807,23808],{"start":9,"end":6267,"type":3603},{"start":8585,"end":9571,"type":5402,"data":23809},{"link_type":69,"url":23810,"target":186},"https://divedeals.sg/deals/food/海底捞-Haidilao-Hot-Pot-Up-to-60-Birthday-Voucher-1769366023_HaidilaoHotPot#z1zRS99AanVIedKbo6131aBxUR23",{"type":180,"text":23812,"spans":23813,"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":23815,"spans":23816,"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":23818,"spans":23819,"direction":123},"Each voucher, valid for 30 days, can be used upon purchase over 100 SGD.",[],{"type":4229,"text":23821,"spans":23822,"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":23824,"spans":23825,"direction":123}," 16. COCA Steamboat - Get 50% Off Signature Buffet and a complimentary Chef's Special",[23826,23827],{"start":9,"end":10614,"type":3603},{"start":8084,"end":8610,"type":5402,"data":23828},{"link_type":69,"url":23829,"target":19384},"https://divedeals.sg/deals/food/COCA-Get-50-Off-Signature-Buffet-1769364238_COCA",{"type":180,"text":23831,"spans":23832,"direction":123},"Promotion is only applicable for COCA Members (Free sign up of COCA Membership for a limited time only). 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Greendot - Up to 30% Off Birthday Voucher",[23836,23837],{"start":9,"end":5703,"type":3603},{"start":10455,"end":8397,"type":5402,"data":23838},{"link_type":69,"url":23839,"target":19384},"https://divedeals.sg/deals/food/Greendot-Enjoy-up-to-30-birthday-voucher-1774518347_Greendot ",{"type":4229,"text":23841,"spans":23842,"direction":123},"Green Tier: 20% Birthday Voucher",[],{"type":4229,"text":23844,"spans":23845,"direction":123},"Gold Tier: 30% Birthday Voucher + Free cake @ Greendot Jewel",[],[23847],{},"text$eaa74f1f-ca7c-409b-b5b2-6a2c17ec27a9",{"primary":23850,"items":23858,"id":23860,"slice_type":9837,"slice_label":107},{"image":23851,"caption":23856,"additional_link":23857,"anchor_id":107},{"dimensions":23852,"alt":107,"copyright":107,"url":23853,"id":23854,"edit":23855},{"width":7513,"height":23581},"https://images.prismic.io/dive/65cd67339be9a5b998b5d5cf_BIRTHDAYDEALSBLOGCOVER-4-.png?auto=format%2Ccompress&rect=0%2C0%2C5125%2C2887&w=1200&h=676","Zc1nM5vppbmYtdXP",{"x":9,"y":9,"zoom":5194,"background":5195},[],{"link_type":680},[23859],{},"image_with_caption$0da78027-b465-46aa-a592-ba348334d422",{"primary":23862,"items":24011,"id":24013,"slice_type":7946,"slice_label":107},{"text":23863},[23864,23867,23877,23880,23887,23890,23893,23900,23903,23910,23913,23916,23919,23922,23929,23932,23939,23942,23952,23955,23965,23968,23975,23978,23985,23988,23991,23998,24001,24008],{"type":7951,"text":23865,"spans":23866,"direction":123},"Western",[],{"type":180,"text":23868,"spans":23869,"direction":123},"18. Cajun on Wheels -  Free Lobster on your birthday month",[23870,23871,23874],{"start":9,"end":8084,"type":3603},{"start":8161,"end":7423,"type":5402,"data":23872},{"link_type":69,"url":23873,"target":186},"https://divedeals.sg/brands/Cajun-on-Wheels",{"start":8084,"end":8938,"type":5402,"data":23875},{"link_type":69,"url":23876,"target":186},"https://divedeals.sg/deals/food/Cajun-on-Wheels-Free-Lobster-on-your-birthday-month-1742797791_CajunonWheels ",{"type":180,"text":23878,"spans":23879,"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":23881,"spans":23882,"direction":123},"19. 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COLLIN'S - 20% off e-vouchers + birthday treat",[23925,23926],{"start":9,"end":5511,"type":3603},{"start":10455,"end":10977,"type":5402,"data":23927},{"link_type":69,"url":23928,"target":186},"https://divedeals.sg/deals/food/COLLINS%C2%AE-20-off-e-vouchers--birthday-treat-1738528059_COLLINS ",{"type":180,"text":23930,"spans":23931,"direction":123},"20% off e-vouchers & birthday treat is only applicable to Collin's rewards silver and gold members",[],{"type":180,"text":23933,"spans":23934,"direction":123},"23. 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The Soup Spoon - $5 Birthday voucher",[23945,23946,23949],{"start":9,"end":10614,"type":3603},{"start":8161,"end":8590,"type":5402,"data":23947},{"link_type":69,"url":23948,"target":186},"https://divedeals.sg/brands/The-Soup-Spoon",{"start":12763,"end":7433,"type":5402,"data":23950},{"link_type":69,"url":23951,"target":186},"https://divedeals.sg/deals/food/The-Soup-Spoon-5-Birthday-voucher-1738528242_TheSoupSpoon#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":23953,"spans":23954,"direction":123},"Sign up as a souperholic member to enjoy a $5 birthday voucher during your birthday month",[],{"type":180,"text":23956,"spans":23957,"direction":123},"25. 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Auntie Anne's - Up to 25% Off",[23981,23982],{"start":9,"end":7423,"type":3603},{"start":10614,"end":13258,"type":5402,"data":23983},{"link_type":69,"url":23984,"target":19384},"https://divedeals.sg/deals/food/Auntie-Annes-Up-to-25-off-birthday-voucher-1774577415_AuntieAnnes ",{"type":4229,"text":23986,"spans":23987,"direction":123},"Blue tier member: 15% Voucher",[],{"type":4229,"text":23989,"spans":23990,"direction":123},"Gold tier member: 25% Voucher",[],{"type":180,"text":23992,"spans":23993,"direction":123},"28. La Brasserie - 20% Off total bill",[23994,23995],{"start":9,"end":3602,"type":3603},{"start":7423,"end":7315,"type":5402,"data":23996},{"link_type":69,"url":23997,"target":19384},"https://divedeals.sg/deals/food/La-Brasserie-20-Off-Bill-1769367061_LaBrasserie ",{"type":180,"text":23999,"spans":24000,"direction":123},"Gather your family and friends for a birthday celebration! Enjoy 20 percent off at La Brasserie. 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Mount Faber Leisure Group - Complimentary Birthday Cake (500g)",[24045,24046],{"start":9,"end":5512,"type":3603},{"start":8595,"end":11853,"type":5402,"data":24047},{"link_type":69,"url":24048,"target":19384},"https://divedeals.sg/deals/food/Mount-Faber-Leisure-Group-Complimentary-500g-birthday-cake-1774432156_MountFaberLeisureGroup",{"type":180,"text":24050,"spans":24051,"direction":123},"20% Off Total Bill* (After 6pm, min. spending of $50 applies)",[],{"type":180,"text":24053,"spans":24054,"direction":123},"*Applicable to ala carte items only",[],{"type":180,"text":24056,"spans":24057,"direction":123},"32. 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Jack's Place - $9.90 Student Set",[24925,24926],{"start":9,"end":3602,"type":3603},{"start":8590,"end":8029,"type":5402,"data":24927},{"link_type":69,"url":24928,"target":186},"https://divedeals.sg/deals/food/Jacks-Place-990-Student-Set-Meal-1739874829_JacksPlace#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":24930,"spans":24931,"direction":123},"When we think of affordable steaks, Jack's Place is definitely the first place that pops in our mind. At only $9.90, students can choose a main course such as the juicy Striploin Steak & Sausage Aglio Olio Spaghetti , Seafood Baked Rice and more.  Each set also comes with 1 free side dish where you can choose between the soup of the day or soft drink or a single scoop of gelato. ",[24932],{"start":8029,"end":9695,"type":5402,"data":24933},{"link_type":69,"url":24934,"target":186},"https://divedeals.sg/brands/Jack's-Place",{"type":180,"text":24936,"spans":24937,"direction":123},"13. 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Fish & Co. - Student meal from $11.95 nett",[24951,24952,24955],{"start":9,"end":10455,"type":3603},{"start":8161,"end":5511,"type":5402,"data":24953},{"link_type":69,"url":24954,"target":19384},"https://divedeals.sg/brands/Fish-&-Co",{"start":3602,"end":7972,"type":5402,"data":24956},{"link_type":69,"url":24957,"target":186},"https://divedeals.sg/deals/food/Fish--Co-Student-meal-From-1195-nett-1739875104_FishCo#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":24959,"spans":24960,"direction":123},"Fish & Co. has updated their Too Cool For School student menu with more choices! From $11.95, students can get their signature Best Fish & Chips, Singapore Fish & Chips, Grilled Chicken Baked Rice and more! The student meal also comes with free flow soft drinks and you can also choose to add on $3.50 to get either a specialty drink or soup of the day or 3 pieces of drumlets! 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Chen's Mapo Tofu - Student Meal from $8.90",[25098,25099,25102],{"start":9,"end":10614,"type":3603},{"start":12290,"end":10614,"type":5402,"data":25100},{"link_type":69,"url":25101,"target":186},"https://divedeals.sg/brands/Chen's-Mapo-Tofu",{"start":7475,"end":7972,"type":5402,"data":25103},{"link_type":69,"url":25104,"target":186},"https://divedeals.sg/deals/food/Chens-Mapo-Tofu-Student-Meal-from-890-1741076814_ChensMapoTofu#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":25106,"spans":25107,"direction":123},"Enjoy Chen's main dishes starting at just $8.90 by simply display your student ID! If you're feeling particularly peckish, you can also add on to make it a set, which includes chosen sides and a non-alcoholic beverage of your choosing. ",[],{"type":180,"text":25109,"spans":25110,"direction":123},"24. 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AtTea 署茗職茶 - $2.50 Student Deal ",[25164,25165],{"start":9,"end":10455,"type":3603},{"start":3602,"end":8029,"type":5402,"data":25166},{"link_type":69,"url":25167,"target":186},"https://divedeals.sg/deals/food/AtTea-%E7%BD%B2%E8%8C%97%E8%81%B7%E8%8C%B6-Student-Deal-250-Any-M-Size-Tea-w-Toppings-1739871368_AtTea#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":25169,"spans":25170,"direction":123},"Attention to all students, time to treat yourself with AtTea's student deal! For just $2.50, you can enjoy any medium-sized drinks and toppings of your choice! Or you can always top up $1 to get your drink upsized! ",[25171],{"start":10958,"end":12785,"type":5402,"data":25172},{"link_type":69,"url":25173,"target":186},"https://divedeals.sg/brands/AtTea-%E7%BD%B2%E8%8C%97%E8%81%B7%E8%8C%B6",{"type":180,"text":25175,"spans":25176,"direction":123},"27. Gong Cha - $2.50 Milk Tea with Herbal Jelly",[25177,25178],{"start":9,"end":5703,"type":3603},{"start":10455,"end":7958,"type":5402,"data":25179},{"link_type":69,"url":25180,"target":186},"https://divedeals.sg/deals/food/Gong-Cha-250-Milk-Tea-with-Herbal-Jelly-for-students-1739871905_GongCha#cpegUtp059PmWUooOoR0enPUEDW2",{"type":180,"text":25182,"spans":25183,"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":25185,"spans":25186,"direction":123},"28. 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Enjoy sumptuous spreads in luxurious settings and get to save money while doing it. It's time to indulge in delicious meals and make fantastic memories with your loved ones! ",[],{"type":180,"text":26249,"spans":26250},"For more credit card deals, check out our Best Credit Card Promotion Sign Up article which is updated monthly!",[26251],{"start":6406,"end":8931,"type":5402,"data":26252},{"link_type":69,"url":13450,"target":186},{"type":180,"text":26254,"spans":26255},"Keep this article in view as we update the latest deals frequently! 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