You are probably no stranger to Ezlink. Recently, they have been trying to revive hard on their app and card usage and introduced a number of gamification tools on their app. But their marketing is way too quiet, probably because the rewards aren’t that enticing. Nonetheless, it is worth the effort if you have some time around doing this.
From 1 April 2022 to 26 May 2022, you can accumulate EZ-Link points to redeem those vouchers. These are limited by the way so that is first come first served.
Download the Ez Link App, use my promotion click on discover and Trivia. Key in my Referral code: 3197B5C and begin the daily login and daily answer to the questions. The promotion Tier will be:
30 Points: $0.50 Cashback
50 Points: $5 Fairprice Online Voucher
80 Points: $8 Fairprice Online Voucher
130 Points: $1 Cashback
250 Points: $3 Cashback
These cashback that is successfully collected will be credited to your Ez Link wallet.
All right then. Thank you for using my code in advance.
If you decide to sign up to this, do remember to use my referral code: 3197B5C
I was lured by the high yields of CakeDefi which is roughly around 80% or at point of writing. This is accounted for in APY (Annual Percentage Yield) by staking. I signed up about 3 months ago but failed to take any action on this. Given how cash interest rates is just no longer interesting, I’ve been looking to invest my cash.
The crypto space is really intriguing. I’ve been reading trying my best to keep up with the crypto world but it is extremely dynamic but I do see use and real world cases which we can tap on and try to make a deal out of these new coins/system.
I decided to put in SGD$100 into Cakedefi as an experiment to see what rewards I’ll get in the next three months or so as a regular monthly updates similar to what I have been doing for my own robo advisors accounts.
If you are keen to join Cakedefi, here’s how to do it online:
Head to my referral link below (QR code or referral code) to set up your Cakedefi account.
Rewards: Get a total of US$30 worth of DFI ($20 worth of DFI when you sign up and make a deposit of $50 or more + $10 referral reward)
KYC applies – you’d need to standby a pic of you with your IC (and writing date and the stuff that you are applying for – their website will guide you), and upload proof of your addresses through your banking statement or utilities bill.
KYC approval time is fast so you can do this rather quickly.
I’m only trying out the staking on DFI and not farming for other stuff. I have yet to be convinced by CakeDefi so I will only play small money here.
How do we begin? To make the CAKE, you’d need the main ingredient: DeFi coin.
First, transfer BTC from Gemini to your Cake wallet at here
I chose Gemini because of their 10 free withdrawal per month
I received 11.4 ish DeFi coins which works out to be around USD$2.63 per coin.
Upon deposit of US$50 coins and above, I received notification of the bonus DFI:
The bonus DFI that is worth USD 30 is frozen for the next 180 days and is already working for you. Currently you get paid the base APY plus a little bonus %.
Free money to take but take note that the bonus will be locked for 180 days.
As most would caution, maybe these will turn into ZERO so only do it if you are comfortable.
If you already intend to stake with CakeDefi, pls use my referral link here where you’d get a total of US$30 worth of DFI ($20 worth of DFI when you sign up and make a deposit of $50 or more + $10 referral reward)
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. Please use my referral code if you would like to try CakeDefi: 786793
There is a little frenzy about crypto credit/debit cards these days. They have these multi-currency features, money transfer options and split billing which kind of attracts me to these functions. Revolut is one of those cards other than crypto.com which give a cashback but it set themselves apart by being a money manager as well. It is less of crypto trading but a simple was to get into the things of crypto.
Again, this is just getting to start on the crypto journey. They are proving time and again that this is going be a force to be reckon with as compared to fiat (Normal cash and currency)
The Revolut Credit Card
Revolut is a digital banking app and card that focuses on technology, low fees and premium features. It’s designed for those who travel frequently and offers ways to spend abroad, including international money transfers with no hidden fees.
There is only one physical card and limited services if you take on the free service. However, if you wish to upgrade to a more premium tier. You can always do so later on so no worries about those first until you try them out
Some of the more interesting local context is that Revolut tries hard to bring in new partnerships such as 20% cashback on public transport by using the card and so on. Brands such as Nike.sg, Lazada, Decathlon and iHerb is already on their cashback programme. I find that these cashback returns are pretty decent and you can redirect your funds to purchasing cryptocurrency if you wish to. Otherwise, you can just leave that as cash.
With Revolut, you can do the following:
Use it as a debiting account. You can set up recurring payments, transfer or request for funds and withdraw cash at international ATMs. You’ll be able to view your balance on an analytics screen.
Make international payments. The app lets you transfer money to 150 countries, fee-free, at the interbank exchange rate.
Spend globally fee-free. All spending abroad is also charged at the interbank rate.
Hold different currencies in your account. You can hold a balance or make an exchange in the app in 28 currencies.
Pay friends or request payments. You’re able to pay other people, request for payments, or use the split-bill feature to divide a group spend with ease.
View spending habits. Using analytics, your can view your spending and track them like a money manager
Control your card and account. You can lock and unlock your card in the Revolut app as well as set monthly spending limits.
Save money. They have a vault feature let you build up funds for a specific funding goal. This is not a bank account so you do not earn any interest. This kinds of reminds me of what Hugo Wealth Card can do.
Rewards. Benefit from personalised cashback and discounts when you spend at Revolut’s partner merchants, including Amazon, Lazada, Nike and Zalora.
Instant balance top-up. Reload funds from your bank account to your Revolut account fast and conveniently.
Customer service available 24/7. Get in touch with customer service directly through Revolut’s app. Paid accounts are also entitled to concierge service and priority customer support.
No credit check. You do not need to show a salary or paycheck to get a limit as this is as good as a debit card.
Promotion and perks for signing up:
Sign up with my link and get 25 SGD after you order a card and complete 3 purchases all before the 5th October 2021. While you await the physical card you can use a virtual card as all actions must be completed before the deadline. https://revolut.com/referral/paulbo2uw!SEP1AGG
Read more about the Terms and Conditions here at Terms & Conditions
On top of what is offered, you can still create and order a Junior card if your kid is above 15 years old and it is a good time to teach about personal finance and budgeting. I think this is pretty cool for an added value option.
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.
Please use my referral code if you would like to try this card out. (This is a limited offer only until 5 Oct 2021) Referral Code
The thing about Cards (Being Credit card, debit card or prepaid card), there seem to be a trend of introduction usable physical card. Just to name a few, Razer Card, Big Pay Card, Wise Card, GrabPay Card, Singlife card and an upcoming card Hugo Card. There is just too many of these around isn’t it. I’ll say it isn’t a bad thing, It is indeed a little troublesome but as long as you manage it properly, it will assist you in your little own personal finance journey.
You Trip Card
Today, I shall discuss more about the YouTrip card. It used to be a wonder travel card before the pandemic hit. Basically, you get superb FX rates when you use the YouTrip card to make a purchase in a foreign currency. Pretty decent I say. Yes, it is another card and you need to preload the amount in SGD (If you dont have any other currency). The max limit I believe will be the same, which is S$5000 at any point in time and an annual limit at S$30,000.
Within their app, you can store any of the following 10 currencies:
Australian Dollar (AUD)
Great British Pound (GBP)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
New Zealand Dollar (NZD)
Singapore Dollar (SGD)
Swedish Krona (SEK)
Swiss Franc (CHF)
United States Dollar (USD)
It has a great Forex Exchange rate if you need to purchase an item in another currency
They don’t charge you any other fee except for the amount they need to pay Mastercard as a service provide.
It works just like any other card that you use. Even has a pay wave function.
You can most likely use a credit card or debit card to top up the You Trip Card. Pre-Paid cards are most likely not accepted.
You can’t add it to your mobile wallet.
It is a Debit Card (Meaning you need to preload the amount in there and it is capped at S$5000) at any point in time.
You also cannot take that money out once you have put it in so think wisely.
Other than good Forex rates, there are no perks, rewards or cashback so it really depends on what you are looking out for.
If you decide to sign up on the You Trip Card, do remember to use my referral code: You Trip Card Referral Link, You will get S$5 once you made your first top up to the card and I will receive the same too.