For a few days, Apple’s latest iPhone 18 Pro is a reward option when you sign up for cards from Citi, HSBC, or OCBC as a new cardholder and pay a top-up amount.
Worth it? It’s actually quite a compelling option.
S$549 to S$599 value possible
Until 30th September 2026, eligible applicants of Citi, HSBC, or OCBC cards are able to top up an amount to upgrade their sign-up gift to an iPhone 18 Pro 256GB model retailing at S$1,899.
The amount you need to top up depends on the credit card applied:
| Bank | Top-up Amount | Approx. Value* |
|---|---|---|
| HSBC | S$1,300 | S$599 value |
| Citibank | S$1,300 | S$599 value |
| OCBC | S$1,350 | S$549 value |
Given that Apple products, especially their latest iPhones, are pretty price-controlled, it is going to be difficult to get the phone at prices significantly less than the S$1,899 retail price. The value of opting to top up S$1,300 or S$1,350
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