From 1 Nov – 30 Nov 2020, for applications to Citibank credit cards, new cardholders will receive a set of Apple Watch SE worth S$419 or S$300 cash upon activating and spending within 60 days of card approval. This is a good opportunity to combine this promotion with the new Lumi Health tie-up between Apple and the Health Promotion Board where you can earn up to $380 worth of rewards over two years similar to how AIA Vitality works. The cards that qualify under this promotion are: Citi Cash Back+ Card

• 1.6% unlimited cashback with no caps
• First year fee waiver (S$192 per year)

Notes: I wrote about this card in a review. I generally like it because it’s quite straightforward to use – spend and get cashback – there’s no hidden and funny clauses like you can only spend on this category. When I first signed up they were dangling an offer that rewarded