Yet another Payment wallet once more. This is known as Razor Pay. This is also The Singaporean son, Tan Min Liang who famously wrote to our PM to suggest a proposal to unify payment solutions. It sounds more gimmick than ideal strategy when it was first published. Who doesn’t know him right? Then again, the speed at which solution was launched was so much slower than GovTech.
To get the Razer Pay app, apply through here: https://pay.razer.com/ and you may use my referral code 9iog2G. Both of us will receive a $1 credit to our wallets. In addition, that allow us to stand a chance to win a Razer Gaming Chair (worth $749.90).
After completing the Razer application and profile, you will probably get a Razer mask for free at the Razer Store. Not too sure if there is a delivery fee.
Razer Card (Beta)
For using the card beta, you will get:
a) 1% cashback on all purchases.
b) 10% cashback on purchases from Razer Store.
There is no minimum spend and no cashback cap during Card Beta. After Beta, we shall see how it goes.
Some perks here that includes getting the credit card rewards:
Using specific miles card, you can also get miles (If that still matters given the current situation
For now, you can still use the Razer card to top up YouTrip card so far. Shall use that to try to top up the BigPay card as well.
From now till 31 Dec 2020, Razer is running attractive reward tasks and some of them are so easy to achieve that it is almost free money/gift. The value you see in getting these gifts depends on how you view these items are actually worth the time and money for. The four categories are Getting Started, Pay, Spend and Influence.
The final ultimate gifting is completing everything is that you will be rewarded with a Razer Iskur Gaming Chair (worth $749.90)
Works with some prepaid cards so you get the credit card rewards as well.
Withdrawal cannot be done. No ATM withdrawals at the moment.
For payments that doesn’t give a cashback, I guess this card comes in handy.
Rewards is based on the Razer Store and limited to the gamers. I’ll say it is both pro and cons.
The spend and fund limits seems like what many other wallets are providing (e.g. Grab Pay) so that sits on the fence as well.
Feels just like another Pay Service and wallet.
Rewards seems pretty and limited so I probably will use sparingly.
This is not a sponsored post. This is just a tool and exploration to find out discounts and deals. It is never too much to learn and know more about.
If you like what I am sharing, to get the Razer Pay app, apply through here: Razer Pay and you may use my referral code 9iog2G. Both of us will receive a $1 credit to our wallets. In addition, that allow us to stand a chance to win a Razer Gaming Chair (worth $749.90).
This picture image was taken off Razer Pay website for illustration purpose only.
Another payment service has come into the picture. More apps, more interface and more complexity is added into the whole scheme of things now. It feels abit like delivery and food services in the yesteryears. I don’t know about you but I do feel like many of these are popping up as if they are the next super app. I choose to believe that they want the users in order to sell more marketing money to another sucker. But well, as long as there are benefits to consumers and data is kept confidential. Why not?
What or who owns BigPay?
As defined from the website, AirAsia founder and CEO Tony Fernandes officially unveiled BigPay, the budget airline new digital payments platform, at the Money 2020 conference in Singapore
BigPay offers a mobile wallet which can store up to 10 credit and debit cards, and has partnered with MasterCard to offer its own top-up cash card that can be used for payments and withdrawals worldwide. Users can view transactions in real-time on the app to keep track of their daily spending.
What set them apart? As they have claimed
BigPay allows you to spend in 150 supported currencies without transaction fees at Visa’s exchange rate, and also allows you to withdraw money from overseas Via, Maestro, or Cirrus ATMs. It also allows you to make international bank transfers. I’m not too sure if this is the best way to do this as there are so many other options that can also do this.
The app has a interface that would reflect spending categories and that separation would be suitable for someone who appreciate such stuff to track their monthly expenses.
Of course, all wallets would have their rewards to keep you using their app for a pro-longed period until you are dependant on it. t
The reward: 1 BIG points for every $5 spent on payments only. I think that for now, they have not figured out the main touch points that people want for rewards other than implementing their own services. This will come unless the app decided that they do not wish to invest more money on this. So this is a very good way to measure how serious a company is when they start expanding their business.
The Deal – $5 for referrer and referee
The key benefits now: We’ll both get $5 credited to our BigPay wallet when you complete the sign-up process by activating the physical card that’d arrive in your mail. After that, you can refer your friends and so on and so forth. It doesn’t seem like there is any cap at the moment since they are new.
Easy transfer back to account
BigPay allows you to withdraw your balance in cash to your bank account. The thing to note is that it’s limited to $100 a day, $300 a month, and you have to pay $1 fee each time you withdraw as a transaction fee. Okay, that isn’t too great a news. Most people don’t even want to pay $0.01 for anything.
That being said, as my philosophy, don’t sweat the small stuff. Smaller or new companies need to pay their overheads and salaries so this mindset would take a least a decade for people to understand.
Sidetrack a little to those who think that saving every cent is considered thrifty. Don’t blame companies for raising prices or dropping interests.
No one owes you anything
It is a free world. Anyone is free to choose – Do not use what you determine as best to define good.
Treat customer service with respect.
Companies have overheads and salaries to pay. Directly or indirectly it saves someone a job and income so increased costs have to be translated back to consumers.
Don’t sweat the small stuff.
Able to stack with other cards
BigPay can double stack with prepaid cards, which is also something that is virtually impossible. For now, you can still use your Grab Card to top up your BigPay wallet. Nice.
It also seems like the Razer Card (which is still in beta) works with BigPay for now.
It takes about 4-7 business days for the card to transit and reach you via a registered courier. From there, you will then receive your card.
Works with some prepaid cards
Withdrawal can be done but at a cost.
Hard to find more
Low and limited withdrawal amount of $100 per day; $300 per month.
Rewards seems pretty and limited so I probably will not use it.
This is not a sponsored post. This is just a tool and exploration to find out discounts and deals. It is never too much to learn and know more about.
If you like what I am sharing, use my BigPay referral code and both you and I will get $5 sign up bonus. Sign up with the referral code CQDU0PRU7X or tap on this linkBigPay Referral now
This picture image was taken off BigPay website for illustration purpose only.
I’m not a big fan of Singtel but as usual, don’t go against anyone or anything that gives you a decent deal. Dash is basically a digital payment App. They have developed the interface to include deals and a rewards scheme if you use their app to buy, remit or top up SIM card or international air time. Basically, like a grabpay app but suited to fit in their own services.
If you use Singtel Dash to shop, dine and spend this festive period, Dash users will earn a bonus chance to shake the Dash snow globe within the app and win a sure-win prize so long they meet any of the criteria from now till 31 Dec 2020:
Make a min $20 hi! SIM card top-up / Make an international air time top-up of $10
Make a purchase of minimum $10
This is not a sponsored post. This is just a tool and exploration to find out discounts and deals. It is never too much to learn and know more about.
If you like what I am sharing, use my Dash referral code and both you and I will get up to $2 cashback for your first Singtel Dash transaction. Sign up with the referral code DASH-RYJKN or tap on this link SingTel Dash now
This picture image was taken off Singtel Dash for illustration purpose only.
Do you randomly try to look up for deals on cashback and miles? I can say that I’m a true blue Singaporean. I will try my best to always look for a good deal without going out of the way and affect my time when searching for such good deals. I’ve used this service CardUp when it first launched and the first transaction was kind of like free since it was on a promotional rate with Citibank cards.
Two years on, I still find it hard to catch on this bandwagon where you actually have to pay a fee to get rewards. But who am I to say anything about if this is a good business model. They must be around here to service a group of customers who want to buy miles or get cashback for some of their payments.
I’m not exactly the kind of guy who spends more to save more but I must say it is a good marketing strategy.
What is CardUp?
From their website: “CardUp is a credit card enablement platform, which enables the payment or collection of big expenses using credit card, in places where cards are not accepted today. Examples of payments include rent, tax, invoices, payroll and more, which are still paid by cash, cheque or bank transfer.
With CardUp, individuals and businesses can now shift these big payments to their existing credit cards. This provides an unparalleled opportunity to earn credit card rewards, access interest-free credit and digitise payments – making big payments rewarding.”
Rewards or Spend more Get More
Even until today, I still find it very difficult to see if this is a reward scheme. Maybe this is a way to get more out of spending more. I stay by my own views about credit card rewards because if you have to spend more to get more. I don’t get it. I’ll say that unless there are monetary benefits to cover the initial or some of the fees that is required, I don’t find it sensible. That said, there are the miles and cashback camp who like to make sure there are benefits for every transaction.
Don’t get me wrong, these are great strategies to get the best bang for your buck. Again, different things is just for different folks. This doesn’t really work for me. Truth be told, I am 50-50 on miles and cashback but don’t agree with paying more for it. Perhaps more selectively, a good deal is something worth paying for but not all situation.
If you really want to get on this, just drop me a note for a referral code.
If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.
Able to write and share is my main objective is to create a community. Blogging is what I always wanted to do. Being mentally well and put down content is something I always wanted to do. Trying out new things will definitely bring one’s horizon to a different level.
The sound of Everest Gold is not exactly sound and safe at first notice but they are a new digital trading platform. You can trade gold digitally now, akin to a stock brokerage account. There are a number of articles out there from bloggers and online news that talks about Everest Gold.
Trying it out
To try it out, you do not need to put in any money. All you need is to use my referral code and your will be awarded 200k points which is approximately USD 20. These rewards can be used to subscribe for gold during their events.
No need for any transactions. Just make sure your details, bank accounts and everything is verified.
Referral is limited. Not sure if they will be bringing this back but in Oct 2020, the fee was 300k points which is approximately USD 40.
Use this link to find out more if you are interested at Everest Gold or use this referral code when you decide to sign up: TZLLE. Both of us will get more rewards for subscription.
A little dig up of the company. Everest Gold is a Singapore-based fintech gold trading form. The creation of such a service is to digitise gold trading and makes it easy for both beginner and expert investors. It is suitable for anyone who have interest in gold trading. I personally have also tested their customer service team and response is pretty decent.
Everest Gold uses 999.9 pure investment grade gold. 1kg bard are from a refiner in switzerland. You can also download them from an app and investing starts from 1 gram. From what it seems, anyone can trade and liquidate almost immediately. Physical gold assets can also be collected from their depositories by submission of a request in-app.
I do use this service and by signing up as a referrer, both you and I will get some benefits.
As with all investments, there are risks involved so please do your own diligence.
Shopping for groceries, ordering food from the food apps and online shopping has taken over the world. Covid-19 has made the world to go online and digital in over a short span of time. I find the transformation amazing to the point where businesses are starting to show that they value the digital aspect of promoting their products and services. In Singapore, I do see that many businesses are transforming and redesigning their businesses to a different model as before. However, there are still those black sheep who are out there to just cheat or jack prices up to profit from scarcity.
Speaking of shopping online. This is a really cool site to download the app into your mobile phone. This is a local company named Shopback. It gives you cashback into your account for any online spending. These days, you can link your credit card and once you spend on your credit card, the cashback automatically gets credited to your Shopback account. Talk about convenience. There is a new function that Shopback has and that is to purchase vouchers directly from Shopback. You can even use the credits from the cashback you received from previous purchases. That’s stacking more deals and more discounts.
Each time you use your card on eligible brands and products (F&B, hotel staycation, vouchers and etc…) there will be a cash back amount allocated to you. The cash will be credited to your account ranging from 3 days to 3 months depending on when the merchant pays them for referring or recommending their products. To a certain extent, it is similar to affiliate marketing. Instead of paying out in marketing costs, the merchants pay affiliate marketers to promote their brands and Shopback gives back a portion of that commission back to the consumers as a form of incentive.
Enough said about getting more bang for your buck. Try it out and see it for yourself. We both earn a $5 bonus once you use my code and spend $20. Easy Peasy.
With the recent 9.9 sale, using a Citibank credit card seem to net you more cashback than usual. Something like additional 3% more cashback but not too sure when that would last till. Promotions don’t last forever so while stocks last. You can actually buy online vouchers from Qoo10, comfortdelgro, grab mart, grabfood, grabtaxi, pupsik, fairprice, GV and more
During random periods or campaigns, they may have upsized cashback deals which doubles the % of deals to your account once you make a transaction. From local brands to big global brands, grocery shopping and ticketing. I’ll say it is a no-brainer.
This is not a sponsored post and purely my own opinion that I am writing about in my thoughts. If you like what you are seeing, do remember to check they out and do your diligence. Don’t be too fixated with what is the best.
Crypto Trading has been something that I was looking to go a couple of years ago. However the process and understanding the steps were just complex and seems daunting. The whole idea of buying crypto through a block-chain transaction and also when you transfer ETH through the ERC-20 system and so on and so forth.
I didn’t even know what was gas to begin with! Then came Crypto.com that was my initial foray into crypto currency and it gave me confidence because of how simple the setup was. It was built into 2 segments and eventually developed into a brokerage style (Crypto.com Exchange) at Exchange
The app is divided into two sections: The first is the Visa Debit Card and the second the purchasing wallet in the Crypto App. You can sell your crypto into the Visa Card (This is only one way) in the form of BTC to Fiat Currency. You can buy and sell and convert from different coins/tokens within the app itself as long as they list it in the App.
The next development that they built was the earn functions. It works like a fixed deposit. You need to put in a minimum sum, it can be no terms, 1 month or 3 month and they pay you the interest every week. The presumed interest rates are not fixed and are subject to changes. I find that the flexible terms plans allow for such flexibility. I previously talked about Crypto.com here Foray into Cryptocurrency with a Visa Card
Recently, Crypto.com built an Exchange platform. This is what most people define traditionally as the brokerage. This exchange platform will allow you to set triggers for all coin pairs that is tradable on the exchange. You can also set limit buy and sell or market orders through the platform. This gives some form of control as the rates are always moving even during weekends. On the App itself, the rates are probably held for 5/10 secs depend on how volatile the trading pairs are but the exchange will provide live and almost instant conversion at the price that one would like to get.
You can also soft stake in the exchange with other coins that is listed on the page. It means that certain coins get some form of interest just by putting it on the exchange. You do not need to do anything but just take note that it may change from time to time.
Above is the referral programme for both referrer and referee for NEW Users.
They also have a referral programme now. You can also read more about it in detail here at Exchange Referral
The sky is the limit for now. Look at the referral bonus paid out in CROs Tokens. The rich gets richer.
Above is the referral programme for both referrer and referee for EXISTING Users
No referral limits – You can refer as many friends as you want; you and your friends will each be rewarded upon meeting the requirements.
Bonus credited instantly – Referrer/Referee will receive their bonuses immediately once all conditions are met.
If you would like to give it a go or just to try it out, do use my referral code. Meanwhile, if you have any questions about funding or what to use to buy and how to buy, just drop me a note anytime.
This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.
Stash Away is another Robo Advisor with different proposition. In my previous posts, I discussed about why I chose different Robo-advisors. Part of me is really to try out what works for me and if I would stay with them long-term. After using Stash Away since Jan 2020, my answer would be a yes. This is the first time I am writing about Stash Away and the experience has been good so far.
Stash Away has a ERAA® (Economic Regime-based Asset Allocation) based robo-systematic allocation system and there is nothing much to complain about. For any SGD funded into the account, it would have to convert to USD in order to buy into the portfolio which involves fees. For dividends distribution, most likely there will be the usual withholding tax. (30%)
One little tip that I realised with cash deposits is that when the US market comes off and I deposit some cash into the portfolio. Within the day, I can see the prices in the app. With SRS funds, It is not that simple. It takes about 2-3 days to do so.
On my view on Stash Away
The Good so far
I really like the App. It is simple and easy to navigate. The colours are all nice and warm, it makes you feel secure with your funds. I like the way they use the technology and methodology to invest the money. The idea is based on an algorithm approach. Recently they reallocated to add on Gold to the portfolio and I think that it was a great move. For cash funds get invested almost immediate in the morning without any lag time sounds good.
One of my habits is to listen to market outlook but that is hard to come back these days. Stash Away has a weekly market commentary by the CIO, Freddy Lim. The very first time i heard him speak was right before the circuit breaker where he shared about risk reward ratio for Stash Away in 2019. Thereafter, his views and comments about the market have been succinct and easy to digest. This makes it easy to understand for everyone. The market commentary is only 15 minutes so it doesn’t take up too much of my time yet it allows me to take back a lot more.
The bad so far
They use a custodian account so the funds are not under your own name. That said, it just means that they have more control and flexibility about the fund flow in a legal way. Even though the move to add commodities into the account, I still feel a little uncomfortable but then I have a long horizon of 10 years so I guess only time will tell. I also do not quite like that they use Saxo Capital to execute the trades. I find that Saxo is generally more costly and offers poor FX rate for the retail and private clients. Given the options we have for brokerage these days, Saxo is not competitive at all in my opinion.
Summary of my portfolio
I have separated three portfolio:
A. Education Funds A – Risk Adjusted to 26%
B. Education Funds B – Risk Adjusted to 22%
C. Retirement Funds C- Risk Adjusted to 30%
From time to time, I will adjust the risk portfolio in the app accordingly when I feel that markets are moving up or down. I take certain risk in that but that is just a very small tweak I make. This is an extremely interesting feature for Stash Away.
Fund A Performance
Since April, the portfolio is up about 7.0% annualised which is pretty good.
Fund B Performance
Since April, the portfolio is up about 4.0% annualised and if markets were too pullback, it would be a good time to top up. Fund A and Fund B was invested in the same time. The main objective was to find out how the fund would perform while using different risk matrix.
Fund C Performance
Fund C was invested since February 2020 before the market pull back. This portion of the fund wasn’t doing well back then in march 2020 and at one point in time, it was at the – -30% mark. But it has since recovered and I have put in more funds into this retirement fund. This Fund has a 20 year horizon so it has a long way to go and I’m not too worried about where it is going in the next 5 years.
As a totality, the full portfolio performance is doing pretty good at around 3.8% annualised.
As you can see in the transaction reports, the details in SGD conversion to USD (1/0.7268 = 1.3759) and investments into the respective US based ETFs that the portfolio chose to follow before funding.
To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral
We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.
The Singapore electricity market decentralised some time around 2015 and that made way for the big commercial companies to change their electricity supplier. The bulk of electricity are consumed by the business/commercial companies. As an estimate, the ratio of consumption is probably around 65/35 in terms of consumption. The Open Electricity Market started out in phases since November 2018. There was a trial run for 100k households and small businesses in the Jurong Area in April 2018 and these guys get to save at least 30% off the electricity bills! That is such a good deal and a first mover advantage.
The Start of OEM
Since November 2018, it was a phased launch to open up the entire Singapore to all residential households and smaller businesses. By May 2019, Singaporeans can choose the electricity retailer of their choice. It is interesting and unique to see this happening in this small island because SP Group is the monopoly in such nationwide infrastructure. I used to know nothing about the electricity market until such an initiative was discovered. The fact that SP Group remains as the electricity grid provider and transmission lines is indeed unique only to Singapore.
What this means is that all generation in Singapore has to go through the National Grid and in return, the power supply remains consistent, stable and reliable. Not much of a difference I would say.
If there are power outages or blackouts, the whole responsibility still lies with SP Group and you have to contact their 24-hour hotline. These outages has nothing to do with the generation firms. So the key question is still, how is it that these retailers can provide a lower pricing as compared to regulated tariff. (Electricity Rate Tariff is revised every January, April, July and Oct)
From digging up articles and information online as well as speaking with the respective retailers, the simple answer to this question is:
Regulated tariff was formulated. It is similar to how Airlines price their seats which oil prices play a part in that calculation. From only buying electricity from SP Group (It takes in and calculate the 2.5 months of Brent Oil in USD) as part of the formula.
The retailer price, however depends on the bring of electricity they buy from the wholesale market (www.emcsg.com) and from their portfolio in Electricity Futures.(Which is traded in SGX) As a result of a different formulation, this allows the retailers to price in roughly about 15-25% cheaper as compared to the Regulated Tariff.
There is an interesting write up that talks about how prices are cheaper from Ohm Energy here Ohm Market Outlook. Of course, there are also retailers who are willing to absorb all costs to get more customers. As long as there are no hidden costs, we stand to benefit.
The Power to Choose
Now, for the exciting part. there are a 12 choices to choose from. We, as consumers should benefit from the increase in competition from different retailers. I will try my best to let everyone know what are the things to look out for before you switch to a retailer:
Not just the Price
a. First thing first – Do not sweat the small stuff. Cheap does not mean that it is good. Cheap is just the first step to getting your attention. Prices can be compared at the Price Comparison Website which is the official comparison website atCompare.
Good Reviews Online
b. Check out the reviews first. You can go to Facebook, Google, Retailers’ website, Value Champion, SeedlyReviews and many more. Do not underestimate the power of reviews. Don’t let cheap cover your eyes.
This retailer penalises you for forgetting to renew your contract at 5% off the tariff.(What a rip-off! I’m sure there are a few more of such retailers around) A friend of mine told me that Geneco, Tuas power and Union Power renewed their contract at 10% off regulated tariff so please check your contracts.
c. Look at the renewal clauses. It is extremely troublesome to keep switching retailers once every 6/12 months. Some retailers are just out there to rip consumers off by renewing you on a bad renewal contract if you forget. You have to write these guys off permanently.
Choice of Billing
d. What do you prefer? Consolidated fuss-free billing or more separate billing?
What Type of Plans?
e. No perfect plans. Just what s more comfortable for you.
If you want to be paying cheaper than Regulated Tariff then go for the Discount off Tariff price plans. The cons is that if the tariff goes higher, your rate may be higher as well.
If you wish to have some form of fixed pricing, then go for the Fixed Price plans. The cons is that if the tariff goes lower, then your rate will remain at the fixed rate.
Fees and Hidden Charges
f. Take note of Fees and Charges. If you want to just take on a long term contract, make sure you do know the criteria if you can transfer your contract to a new address without incurring an ETF or other fees.
For example Early Termination Fees if you terminate your contract Early.
Late Payment Charges
Transmission Loss Charges
Extra fee for Hard Copy bills
Fee charges for failed payment (Credit Card/Debit Card)
Fee charges for failed GIRO application
Admin Fee if you failed to provide the proper documents to a retailer
g. There are consumer safeguards so there is no need to worry that your lights will go off. It’s just that it is going to be a little troublesome if anyone goes bust. You can read more about these safeguards here: Consumer Safeguards
It is a no-brainer and there is no catch. Just switch and you are on your way to cheaper bills. You just need to be wary about the retailer you choose from. There are no risks – What you have is literally a financial contract on a rate you agree to sign up on for a certain period. (If you decide to go on a contract plan) If you wish to go on a no commitment, no contract plan, you can check out Ohm Energy. They are one of the rare retailers who offer such plans.
Who did i choose?
Personally, I really prefer Ohm Energy. You can check them out here at Ohm Energy.
Positive and Good Reviews
A. The reviews are literally positive and they look rather solid. They are also Most Popular at Seedly Reviews.
Great Customer Service
B. The customer service seems to be the center of all the buzz which I really like. When I have a query, the response that i get from the customer care is quick and concise. Not quite what I have seen elsewhere.
Nice Colours and Branding. Even the Name Sounds Cool
C. The branding is just appealing to me and everything is done online. I am so done with roadshow salesperson. They are just out there for a single purpose.
D. When you renew, they have a renewal bonus and also they renewal you at the market rate during the renewal period. That is fair.
Referral Program and more Savings!
F. You can also refer as many friends as you want. That is S$20 for both referrer and referee with no cap. Thumbs Up!
G. Consolidate SP Billing with them means that the payment arrangement, Security Deposit, Hard copy bills all remains the same. That is really easy.
H. For New Customers, they have a three month trial period to try them out. If you decide to switch out before then, there are no fees involved. That gives me confidence about how much they are willing to let you “Try them out”.
If you do select Ohm, do remember to use my referral code: OHMREF3F28B7(Input into the promocode field and click apply at Step 3 of the application)
There is even more stuff of GIGA customers now. Now this is rather interesting on how they are developing as a company. First come first serve.
GIGA – A Subsidiary of Starhub
This is pretty cool now although i’m not quite sure if I am within the first few who applied for the OCBC Frank Credit Card. I’m not really a fan of OCBC cards as they are generally very traditional and they do not go out that much to get the deals or promotions as much as the other cards do.
Benefits of the FRANK Credit Card
They have this collaboration about giga’s perfect match with the following:
a. Unlock 6% cashback with the all-new FRANK credit card on online spends, grocery shopping and retail therapy (Using Samsung Pay, Apple Pay, Fitbit Pay, Garmin Pay or Google Pay)
b. S$50 giga bucks as credit to deduct off your monthly giga telephone bills within 2 months upon card approval.
c. Minimum monthly eligible spend of S$600 (online or offline and get S$75 back a month)
The GIGA offer is limited to the first 1,000 sign-ups and valid until 31 October 2020 so do find out more before application.
Nothing is for free. There will be a small registration fee for the SIM card. You also need to choose the date of delivery of your SIM card. However, you can use a referral code to supplement the discount. You will get a discount if you use my referral code – “LhS9Ng”. The referral credit is only valid for any plans except the basic $10 GIGA plans.