amaze lets you spend overseas on your favourite miles card without the bank’s 3.25% foreign currency fee. It is one of the cheapest ways to earn miles abroad. It is not the cheapest way to spend abroad, and the rules on which cards earn have tightened.
Atome splits a purchase into three interest-free payments, and for disciplined shoppers it is genuinely free. The costs sit in the late fees, the longer plans and the habit of spending more than you planned.
The Crypto.com Exchange is the cheaper, order-book side of the Singapore-based crypto giant. Fees are far lower than in the App, and the company is MAS-licensed. But Singapore’s retail crypto rules limit what you can use, and the best fees need volume or CRO.
Kris+ is Singapore Airlines’ everyday rewards app: pay at a partner and earn KrisFlyer miles on top of your credit card. It is free and still worth having, but earn rates have fallen by almost half since 2024, and the 21-day transfer rule catches people out.
Kris+ pays new users S$5 in KrisPay miles with a referral code, and October is its Birthday Bash month with 8 miles per dollar at 70 partners. Here is every live Kris+ promo for Singapore, why you will see both 500 and 750 miles quoted, and the 21-day rule that decides what your miles are worth.
HeyMax gives new users 200 Max Miles with a referral code, but only after one purchase that counts and a 7-day wait. Here is every live HeyMax promo for Singapore this month, what the miles are worth and which transfer bonuses are running.
Atome’s best new user deal isn’t a promo code at all. It is a S$10 voucher that only appears if you install the app through a referral link, and it has to be selected before you tap Pay. Here is every live Atome promo for Singapore this month and the mistakes that cost people the S$10.
eToro arrived in Singapore with a MAS licence in 2025, a US$1 flat stock commission and free ETF trades, including the London ETFs most Singapore investors want. The catch is the money moving in and out: every SGD deposit is converted to USD, and withdrawals cost US$5.
FSMOne, now renamed FSM Global, is the one-stop shop for Singapore investors who want SGX shares, unit trusts, bonds and monthly ETF plans in one account. Its flat S$8.80 SGX fee wins on large trades. On small trades and US stocks, it is not the cheapest.
