As a KPO, apart from being thrifty, I tries to make sure that the money spent is fully utilized. For instance, I avoid paying cash/NETS as much as possible and prefer using credit card because there is rebates/miles/reward points. If you spend in either Capitaland Malls or Frasers Centrepoint Malls, you should participate in their loyalty/rewards programme. Simply register and download both android/apple applications to your phone and take a photo of the receipts! This way you can get a little bit from the bank and a little bit from the malls. Shiok! CapitaStar A quick introduction from their site: CapitaStar is the Multi-store, Multi-mall Cardless Rewards Programme by CapitaLand Mall Asia.  With no membership fee, no expiry and no hassle of carrying a physical card, CapitaStar gives you benefits on top of any existing rewards and cards programmes. Simply shop and spend a minimum of $20 at any ......