Valentine’s Day Credit Card Promotions 2024—7 Ways to Save Money This Valentine’s Day

Valentine’s Day Credit Card Promotions 2024—7 Ways to Save Money This Valentine’s Day
Image: Tenor

So you’ve done your best to plan an affordable date, but your significant other has other plans—it’s a hotel staycation, expensive luxury watch, or nothing. You don’t want to break their heart…but you also don’t want to break the bank. What do you do?

The next best thing is to purchase whatever you need for Valentine’s Day 2024 in the most cost-effective way. One easy hack? Use the right credit card for the job.

From dining to shopping, we’ve compiled the best Valentine’s Day credit card promotions in Singapore in 2024.

 

Book a romantic getaway at up to 10% off

If you and your boo are in dire need of some quality time together, there’s nothing quite like a romantic getaway to do the job. This Valentine’s Day 2024, why not book an overseas trip together?

5% off EVA Air with HSBC, Citibank, DBS and more

Use any HSBC credit card, Citibank credit card or debit card, or DBS/POSB credit card or debit card to get 5% off round-trip flights to selected destinations on EVA Air (or 2.5% for one-way trips). You don’t need any promo code, just make your booking via the respective landing pages to snag the discount:

Be sure to purchase your flight ticket by 31 Dec 2024 for travel dates anytime from now till 31 Dec 2025.

The deal is valid for flights from Singapore to the following cities:

  • Asia: China, Hong Kong, Macau, Japan, South Korea and Taipei
  • Europe: Amsterdam, London, Milan, Munich, Paris and Vienna
  • North America: Chicago, Houston, Los Angeles, New York, San Francisco, Seattle, Vancouver and Toronto
  • Australia: Brisbane

Travelling with your kids? This deal applies not just to adult fares, but child and infant fares too!

 

Up to 10% off airfares on Emirates, Fiji Airways, Japan Airlines and more with Citibank

If you needed a reason to get a Citibank credit card, I’ve got you—5 times over! Citibank cardholders can enjoy up to 10% off flights on Emirates, Fiji Airways and Japan Airlines, plus up to 8% off on China Airlines and up to $100 off Royal Brunei Airlines. Here’s a summary—click on the links for more information:

Citibank airfare promotion Departing from/Destination  Booking period Travel period
Up to 10% off on Emirates Singapore to Melbourne Now till 31 Jul 2024 Now till 31 Aug 2024
Up to 8% off China Airlines (6% after 1 May 2024) Selected destinations in North East Asia, Europe, North America, Oceania, South East Asia and more Now till 31 Dec 2024 Now till 31 Dec 2025
10% off with Fiji Airways with promo code ‘VISA2023’ Departing from Singapore, Australia, New Zealand, Japan and Hong Kong Now till 30 Apr 2024 Now till 14 May 2024 
$100 off Royal Brunei Airlines with promo code CITI100 Singapore to Brunei, Melbourne, Dubai, London Now till 31 Mar 2024 Now till 31 Oct 2024
$40 off Royal Brunei Airlines with promo code CITI40 Singapore to Brunei, Tokyo, Beijing, Nanning
Up to 10% off on Japan Airlines Singapore to Japan Now till 29 Feb 2024 Now till 30 Jun 2024

Once you’ve booked your trip, don’t forget to check out the other hotel deals from Citibank. There are too many to include here, and the best ones for you really depend on where you’re going. Having said that, your Citi card can get you 20% off worldwide hotels on Agoda (capped at $60), so that opens up a lot of doors.

 

Up to 10% off airfares on Qantas, Qatar and more with DBS

DBS/POSB cardholders can enjoy a slew of flight deals and promotions:

DBS airfare promotion Departing from/Destination  Booking period Travel period
Redeem American Flyer luggage with Singapore Airlines Now till 21 Feb 2024 Now till 20 Mar 2024
Up to 8% off China Airlines (6% after 1 May 2024) Selected destinations in North East Asia, Europe, North America, Oceania, South East Asia and more Now till 31 Dec 2024 No restrictions
$20 off Air Asia flight bookings on weekends (min. spend of $250) Singapore to selected destinations in Malaysia, Indonesia, and Thailand Now till 11 Feb 2024 Now till 31 Jun 2024
10% off Qantas or British Airways with promo code FLYDBS Qantas operated flights from Singapore to Australia, New Zealand, London plus eligible British Airways flights from London to the United Kingdom or Europe. Now till 31 Dec 2024 Now till 31 Dec 2025
$150/$100/8% off flight bookings on KLM Discount varies by destination and plane seat classes. Now till 31 Dec 2024 No restrictions
$100 off Economy and Premium Economy/Comfort class flight bookings on Air France (promo code: AFKLXDBS24) Singapore to Europe, USA, Canada, Central and South America Now till 31 Dec 2024 No restrictions
$150 off Business class flight bookings on Air France (promo code: AFKLDBSBIZ)
Up to 10% off Qatar Airways with promo code DBSQR23 From Singapore to selected destinations. Now till 31 Mar 2024 Now till 15 Jun 2024

Check out other travel deals and promotions from DBS.

 

Up to 10% off flights on Qatar, Qantas and more with UOB

UOB airfare promotion Departing from/Destination  Booking period Travel period
10% off Qantas or British Airways with promo code FLYUOB Qantas operated flights from Singapore to Australia, New Zealand, London plus eligible British Airways flights to Europe when flying from Singapore to London Now till 31 Dec 2024 Now till 31 Dec 2025
Up to 10% off Qatar Airways with promo code UOBQR23 From Singapore to selected destinations. Now till 31 Mar 2024 Now till 15 Jun 2024

 

Up to 10% off flights on Qatar, Qantas and more with OCBC

OCBC airfare promotion Departing from/Destination  Booking period Travel period
10% off Qantas or British Airways with promo code FLYOCBC Qantas operated flights from Singapore to Australia, New Zealand, London plus eligible British Airways flights from London to the United Kingdom or Europe. Now till 31 Dec 2024 Now till 31 Dec 2025
Up to 10% off Qatar Airways From 18 territories to selected destinations. Now till 14 Feb 2024 Up to 12 months from date of booking
Up to 10% off Emirates flights with promo code SGOCBC1 10% off flights from Singapore to Melbourne; 5–10%  off flights from Singapore to other Emirates destinations Now till 31 Oct 2024 Now till 30 Nov 2024

 

Up to 10% off Qatar Airways with Maybank

On Qatar Airways, get up to 10% off Convenience/Comfort fares and up to 7% off flight bookings for Classic fares with your Maybank credit card or debit card. These discounts apply to flights from Singapore, Malaysia,  Philippines, Indonesia or Cambodia, for journeys towards various destinations—see this page for the full list.

You’ll need to use the promotion code MBQR23. Make your booking by 31 Mar 2024 and travel by 15 Jun 2024.

Pro tip: Use your HSBC card to book your flight (maxing out the cashback), and use one of the credit cards in the section below to book your hotel. 

 

Let this romantic getaway pay for your next one

Escaping on a romantic getaway overseas for Valentine’s Day 2024? If you haven’t booked your hotel yet, use the Citi PremierMiles Card or the DBS Altitude Visa Signature Card to earn miles that can offset your next overseas trip.

With the DBS Altitude Visa Signature Card, you’ll get 10 miles for every S$1 spent on hotel transactions at Kaligo and up to 6 miles on flight, hotel and travel packages at Expedia from now till 31 Mar 2024.

DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Expedia & Kaligo
S$1 = Up to 10 Miles

For each S$1 overseas spend on hotel bookings with the Citi PremierMiles Card, you’ll earn 10 Citi Miles with Kaligo’s Bonus Miles promotion and 7 Citi Miles with Agoda’s Bonus Miles promotion.

Additionally, pay for your purchases with the Citi PremierMiles Card overseas to earn 2 Citi Miles per $1 spend. The best part? Citi Miles never expire, so accumulate them in your own time.

Citibank logo
MoneySmart Exclusive
FASTER REWARDS REDEMPTION
Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2 Miles
Selected Online Hotel Bookings
S$1 = Up to 10 Miles
MoneySmart Exclusive:

Unlock Exclusive Rewards
Earn 5,100 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 29 Feb 2024

 

Make your partner a discounted home cooked meal

There’s nothing that says “I love you” more than presenting your significant other with a home cooked meal that you poured your heart into making.

With the Citi Rewards Card, you’ll earn 10X Citi Rewards for each S$1 online spend on groceries from stores like Cold Storage, NTUC FairPrice, Giant, Sheng Siong, and Don Don Donki. For an immediate discount on your groceries purchase, there are also some limited-time promotions on GrabMart, valid till 20 March 2024:

  • MCC5: SGD5 off with min SGD30 spend on GrabFood or GrabMart
  • MCC10: SGD10 off with min SGD60 spend on GrabFood or GrabMart

Can’t cook to save your life but still want to spend a cosy Valentine’s Day at home? Order food in. You’ll earn the same rate of 10X Citi Rewards for each S$1 spend on online food delivery. If you order on GrabFood, use the promo codes above to save.

Citibank logo
MoneySmart Exclusive
FASTER REWARDS REDEMPTION
on Online & Shopping Purchases
S$1= 10X Points
for all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles
MoneySmart Exclusive:

Unlock Exclusive Rewards
Earn 5,100 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 29 Feb 2024

Another good choice is the HSBC Visa Platinum Credit Card, which gets you 5% cashback on groceries and petrol. Should your plans for a delicious home cooked meal go awry, this card will also get you 5% cashback on dining!

HSBC logo
MoneySmart Exclusive
HSBC GIVEAWAY: UP TO S$338 CASH
Cash Back on Dining, Groceries, Petrol
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600
MoneySmart Exclusive:

[FLASH DEAL: WIN UP TO S$338 CASH!]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or S$300 GrabGifts Vouchers or S$250 Cash via PayNow when you apply for an eligible HSBC credit card and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month.
 
PLUS stand a chance to win an S$88 Cash Bonus on top of your baseline gift, when you meet the giveaway criteria! T&Cs apply.

Valid until 29 Feb 2024

 

Buy your squeeze a nice gift

We’re not saying you should try to buy anyone’s love. But if you want to impress your partner with a nice gift on Valentine’s Day, don’t whip out just any credit card—for your wallet’s sake. Make sure you use one that gets you a discount on your online shopping.

One good option is the Citi Rewards Card. With this credit card, you’ll earn 10X Citi Rewards per S$1 spend at department stores like Shopee App, Lazada, Taobao App, as well as clothing, shoes, and bags retail stores. If you’re shopping on Shopee, spend a minimum of $70 to get $6 off on weekdays.

Citibank logo
MoneySmart Exclusive
FASTER REWARDS REDEMPTION
on Online & Shopping Purchases
S$1= 10X Points
for all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles
MoneySmart Exclusive:

Unlock Exclusive Rewards
Earn 5,100 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 29 Feb 2024

 

Go out to a nice restaurant

Celebrating Valentine’s Day without having a good meal is, in the eyes of some people, criminal.  The problem is, restaurant prices are sorely inflated on 14 Feb and many credit card restaurant promotions aren’t valid on Valentine’s Day and the eve of it. 

One workaround is to have your romantic dinner for two a few days before or after Valentine’s Day. If you and your partner are cool with that, you can pay with an American Express credit card to enjoy up to 50% savings. Check out the applicable American Express Love Dining programme restaurants and hotel restaurants to plan your date.

American Express logo
MoneySmart Exclusive
Online Promo
FLASH DEAL: UP TO S$832 REWARDS!
for every full S$1.60 spend at participating Platinum 10Xcelerartor Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
MoneySmart Exclusive:

[FLASH DEAL | UP TO S$832* WORTH OF REWARDS]
Get attractive prizes like an Apple Watch SE (GPS), 40mm (worth S$382.50) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or S$350 Cash via PayNow on top of the base online offers when you are one of the first 5 successful claims at 12pm or 3pm daily!
 
The rest will still get up to S$400 eCapitaVouchers and earn 1,110 Membership Rewards® points when they spend a min. of S$888 and pay the card's annual fee. T&Cs apply.

Valid until 28 Feb 2024

Another good option to save money on dining is to use the ENTERTAINER with HSBC app. This gives you 1-for-1 offers at over 150 merchants with any HSBC card, and over 200 if you have a HSBC Visa Infinite Credit Card.

HSBC logo
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
for personalized assistance
Dedicated Concierge Service

Aside from the ENTERTAINER with HSBC app, there are lots of other food discount and rewards apps in Singapore, such as Chope and Burpple. Read our review to decide which is best for you.

What if you want to have a special meal on Valentine’s Day itself but all the restaurant promotions aren’t valid then? Instead of spending 200 bucks per pax on an overpriced dinner, opt for these wallet-friendly menus to romance your partner.

 

Get a little tipsy on discounted drinks

Is your partner more into drinks than dinner? Use any of the following American Express credit cards to get complimentary or 1-for-1 drinks at over 10 bars in Singapore:

  • The Centurion® Card
  • The Platinum Card®
  • American Express® Platinum Reserve Credit Card
  • Platinum Credit Card
American Express logo
MoneySmart Exclusive
Online Promo
FLASH DEAL: UP TO S$832 REWARDS!
for every full S$1.60 spend at participating Platinum 10Xcelerartor Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
MoneySmart Exclusive:

[FLASH DEAL | UP TO S$832* WORTH OF REWARDS]
Get attractive prizes like an Apple Watch SE (GPS), 40mm (worth S$382.50) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or S$350 Cash via PayNow on top of the base online offers when you are one of the first 5 successful claims at 12pm or 3pm daily!
 
The rest will still get up to S$400 eCapitaVouchers and earn 1,110 Membership Rewards® points when they spend a min. of S$888 and pay the card's annual fee. T&Cs apply.

Valid until 28 Feb 2024
American Express logo
Online Promo
No Expiry on Membership Rewards® Points
for every S$1.60 spent
Earn 2 Membership Rewards® points
for every S$1.60 spent with 10Xcelerator by Membership Rewards®
Earn 20 Membership Rewards® points
on Membership Rewards® Points
No Expiry Date

 

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vanessa-nah-profile-pictureAbout the author

Vanessa Nah is a personal finance content writer who pens articles on the ins and outs of personal loans, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths or sniffing out the best deals, you’ll find her attending dance classes, fingerpicking a guitar, or (most impawtently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.