Of course, to ensure we don’t end up racking unnecessary interest costs, or find ourselves in a weaker cash flow position than we originally were, it’s important to ensure that we make timely and full payment each month. Additionally, unlike other Buy Now Pay Later platforms, you can use EasyPay for any credit card transaction.įor those who have more pressing cashflow needs, the Smart Credit Card also allows you to take a Credit Card Funds Transfer for up to $15,000 with 0% interest for 6 months and receive 100% cashback on the processing fee.
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This means that we can easily spread our big-ticket purchases across 3 payments for free and lessen the impact on our monthly cashflow.Īs EasyPay can be applied for transactions as small as $200, you can also use for smaller purchases (such as smaller household items or even a wardrobe refresh. With Standard Chartered Smart Credit Card, we can convert all our transactions to 0% interest instalments with EasyPay and receive 100% cashback on the one-time service fee for using the 3 months tenure option. One smart way to avoid allowing your unexpected big-ticket items to affect your monthly cashflow is to use a 0% interest instalment plan to help improve our cashflow by spreading out the cost of the purchase across multiple payments. Even if we have a stash of emergency savings, such expenses can be disruptive to our cashflow and budgeting. Whether it is an ill-timed appliance breakdown or an unexpected bill, big-ticket items can throw us off even the best-planned budgets. Sometimes we just got to bite the bullet and pay for a big-ticket item that we may not have planned for.
#2 Improve Our Cashflow With 0% Instalment Plans For Your PurchasesĮven with the best bargain hunting tactics, there’s no avoiding some large expenses in life that can crop up unexpectedly. Watching Squid Game is good but watching Squid Game with cashback is better. So, kick back at the end of the day and binge-watch to your heart’s content. If that is not enough to keep you entertained at home, the Standard Chartered Smart Credit Card also offers 6% cashback in 360° Reward Points for subscriptions to Netflix, Spotify and YouTube. New sign-ups will receive 6 months of Disney+ subscription. For example, Standard Chartered Smart Credit Card offers digital media subscription benefits. Instead, look for other lifestyle benefits that are offered by credit cards. However, travelling during a pandemic may not be everyone’s cup of tea and such travel-related benefits may not be ideal for everyone. Miles credit card supporters would be familiar with additional benefits such as free travel insurance and airport lounge access. #1 Check For Other Benefits Like Subscription OffersĪside from cashbacks and reward points, credit cards often offer other benefits. Here are 5 spending hacks to help us shop smarter and to get the most bang for our buck. Similar to how life isn’t just about how hard we work but how smart we work, it’s not always how much discount we score but how smart we are in the way we choose to spend our money. Somehow, the Singaporean bargain hunter in us is always primed to suss out the latest scoop and pounce on the best deals.Įven if we do not proclaim to be a Singaporean bargain hunter, we can still save money without much additional effort just by spending and paying in a smarter way. Whenever we chance upon a good deal, we can’t wait to tell our friends about it – whether it’s that bargain dress that is currently at 90% off or the irresistible 1-for-1 buffet offer with return credits. You can view our full editorial policy here.įew things in life are better than finding a good deal. DollarsAndSense.sg is not liable for any financial losses that may arise from any transactions and readers are encouraged to do their own due diligence. All views expressed in the article are the independent opinions of DollarsAndSense.sg based on our research. SCBSL is not liable for any informational errors, incompleteness, delays, or for any actions taken in reliance on information contained herein. All information provided is for informational purposes only and is not intended to be as advice or an offer for any product or service. This article is written in collaboration with Standard Chartered Bank (Singapore) Limited (“SCBSL”).
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