Get rewarded for your everyday spending. Pick the one that fits yours, apply via MoneySmart by 31 October 2026, and be among the first 10 to claim each day for a ghost gift.
See what's in the boxT&Cs apply. Campaign ends 31 October 2026.
What's in the box
Smaller gifts are S$5 via PayNow. Higher-value gifts are credited as SmartPoints, redeemable for the gift in the Rewards Store.
All of this sits on top of your card's MoneySmart welcome reward, where one applies.
How to trick-or-treat
Pick Your Card
Compare the cards below and choose the one that fits how you spend.
Apply via MoneySmart
Apply for a participating card between 10 and 31 October 2026. Get your card approved and meet the eligibility criteria.
Claim
Submit your claim form via the MoneySmart website.
Get Your Box
The first 10 claims each day get a ghost gift on top of your base gift.
Our picks from each bank
Every eligible HSBC, Citi, UOB and Trust card counts. These four suit most spending styles.
| Field | HSBC | Citi | UOB | Trust |
|---|---|---|---|---|
| Card |
HSBC Revolution Credit Card
|
Citi Cash Back+ Card
|
UOB One Card
|
Trust Freedom Credit Card
|
| Suitability | Suits you if most of your spend is online or tap-to-pay. | Suits you if you'd rather not track categories. | Suits you if you spend steadily every month. | Suits you if you spend abroad and hate FX fees. |
| USP | 10x rewards on online and contactless spend. | 1.6% flat-rate cashback, unlimited. | Up to 10% cashback at McDonald's, Grab, Shopee and SimplyGo. | 1.3 miles per S$1, locally and overseas, with no FX fees. |
| Apply now | Apply now | Apply now | Apply now |
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