Credit Card

Over the ‘SG51’ spectacle during National Day, we celebrated in a sea of red and white as we ushered in the next 50 years of greater excellence. A unicorn then floated over the rafters of the National Stadium. Less than a week later, about 15,000km away in Rio de Janeiro, Singapore put on a bold (butterfly) stroke on the global sporting arena and clinched gold in the Olympics. The world took notice. All of us Singaporeans pumped our fists together with our celebrated Olympic hero Joseph Schooling.

No matter who you are and what you do, we have, in some form or fashion, made our contributions to achieve our collective success. We have accomplished much in little time. There is also a time and place for us to lean back and enjoy the fruits of our labour, because we deserve it.

We at GoBear have been championing financial savviness to the extent that if there were ever an Olympics for credit card or insurance comparison, we would’ve been biting on gold too. That’s why in order to help you unwind in the good life while letting that good life reward you, we have picked out the HSBC Revolutionary and Standard Chartered Manhattan World MasterCard credit cards to celebrate until you float like a unicorn.

Revolutionary Rewards: How These Two Credit Cards Can Give Back To You

Putting the HSBC Revolution and Manhattan World MasterCard together is akin to fitting a square peg in a round hole. The latter is a cashback card; the former is a points piece. While their rewards systems run parallel to each other, both work just as hard as you are towards your personal goals to earn as you spend.

For every dollar spent on local dining, entertainment (clubs and bars) and online shopping, your reward points are multiplied by five times. There is no need to intentionally spend more to fulfil a minimum spending, because – very simply - there is none in the first place.

For instance, if you transacted $800 online (4,000 points), $1,000 at new restaurant openings in town (5,000 points), $600 on clubbing nights (3,000 points) and $800 on miscellaneous activities (800 points), the 12,800 points can get you a $50 hotel dining voucher for more face stuffing. If not, two pairs of Golden Village movie passes for the latest blockbuster.

The Manhattan World MasterCard, on the contrary, backs you up with cashback. Monthly expenditure of $3,000 and above grants 3% cashback rebate, capped at $200 per quarter or $800 per annum. To truly reap the cashback gains, make it the default card for local and overseas transactions, payable fees on your education courses, online purchases and online bill settlements.

Foodies’ Paradise: Smorgasbord Of Dining Privileges

Just as we covered earlier, you can tap into HSBC Revolution’s 5X accelerated rewards on all your foodie adventures. Excluding restaurants within hotels, foot your dining bills with the HSBC Revolution credit card whenever you gather the family for a treat. It doesn’t even have to be fine dining at a Michelin Star restaurant; you can even be grabbing a quick bite at McDonald’s before heading back to the grind, and the 5X rewards still applies. Depending on how much points you’ve earned, you can use it to unlock a world of F&B rewards including, and not limited to: $10 Spinelli voucher for that morning fix (or two) of hustling potion, $30 HSBC dining voucher, $50 Resorts World Sentosa dining voucher and a bottle of Veuve Clicquot Vintage worth $130. Factoring those into account, it kind of renders the hotel dining exclusion pointless (ha!), isn’t it?

With the Standard Chartered Manhattan World MasterCard, you would be brought into an exclusive club of exciting deals instead. The Good Life program, aptly named, contains a whole smorgasbord of deals and promotions over 3,000 eligible outlets across Asia. We wouldn’t be that surprised to see you salivate and go as mad as a hatter.

Participating merchants range from five-star hotel restaurants and casual diners to rooftop bars and speakeasies, so take your pick of Friday night revelries.

Just by arming yourself with the Manhattan World MasterCard, there are regularly updated promotions to make the good life better. Because new is always better, right? As of this moment, you get to enjoy discounts on dining bills at the likes of The Westin Singapore, The St. Regis Singapore, Straits Wine Company, Crystal Jade and Salad Stop.

Sign On Bonuses

The celebration starts even before the spending begins. HSBC will be gifting you a Samsonite Black Label Richmond Spinner 75cm luggage upon signup, probably just in time for your flight out. And overseas shopping, of course. You need to exploit those 5X reward points! Additionally, you get a $20 cash rebate and two years’ annual fee waiver.

True to its nature, the Standard Chartered Manhattan World MasterCard dishes out $138 cashback once you apply online and activate the credit card. The annual fee is waived for the first year. Whether you belong to camp Apply Pay or Samsung Pay, you can integrate it into your preferred mode of mobile payment to make the whole cashback rewards experience a seriously seamless one.

Apply for both HSBC Revolution* and Standard Chartered Manhattan World MasterCard* credit cards on GoBear!

*Applicants have to be earning a minimum annual income of S$30,000 to be eligible.