Apply for a participating Citi, OCBC, or Trust card that fits how you spend between 11 and 17 November 2026. The fastest 11 eligible applicants each day score a prize, on top of the card’s usual MoneySmart reward.
See participating cardsClaim daily at 11AM & 11PM
11 fastest claimers per slot. 7 days. $11 bonus each.
Every 11/11 bonus is on top of your card’s guaranteed baseline reward. Each has its own minimum spend requirement to qualify for your reward.
How to claim your 11/11 reward
Pick Your Card
Compare and choose a card from Citi, OCBC, and Trust that fits how you spend.
Apply via MoneySmart
Apply for a participating card via MoneySmart between 11 and 17 November 2026.
Submit claim form
Be the fastest to submit your claim form via the MoneySmart website at 11 am and 11 pm respectively.
Get rewarded
If you’re one of the fastest 11 claimers on any of the days (and meet your card’s minimum spend requirement), you’ll qualify for the reward.
Our picks from each bank
Every eligible HSBC, Citi, UOB and Trust card counts. These four suit most spending styles.
| Field | Citi | OCBC | Trust |
|---|---|---|---|
| Card |
Citi Cash Back+ Card
|
OCBC 365 Credit Card
|
Trust Freedom Credit Card
|
| Suitability | You’d rather not track categories | Dining, groceries, transport and petrol make up most of your spend | You spend overseas, or want to switch rewards each quarter |
| USP | 1.6% cashback on eligible spend, no min. spend, no cap | 6% cashback on dining, groceries, land transport and petrol. | No FX or annual fee. 1.3 miles per S$1 or up to 1.5% cashback |
| Worth knowing | S$196.20 annual fee from year 2 | Needs S$800 monthly spend; capped at S$160 a month | One reward type per quarter. Stockback rate drops to 2% (local) and 0.5% (overseas) from 1 Jan 2027 |
| Apply now | Apply now | Apply now |
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