So you’ve done your best to plan an affordable date, but your significant other has other plans—it’s a hotel staycation, expensive branded bag, 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 2023 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 2023.
Book a romantic getaway at a discount
Now that travel’s opened up in many countries, this Valentine’s Day 2023 is the perfect time to go on an overseas trip together.
Image: GIPHY
With any HSBC credit card, use the code HSBCINTL to get an extra 20% off international flights and hotel bookings on Traveloka. Note that this is capped at S$20 off, with S$50 minimum spend.
- Cash Back on Dining, Groceries, Petrol
- 5%
- Cash Rebate Cap per quarter
- S$250
- Min. spend monthly in a calendar quarter
- S$600
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 2023? 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.
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- Hotel Transactions at Kaligo
- S$1 = 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.
- Local Spend
- S$1 = 1.2 Miles
- All Foreign Currency Spend including Retail and Online (Limited Time Only*)
- S$1 = Up to 4 Miles*
- Selected Online Hotel Bookings
- S$1 = Up to 10 Miles
Apply and Spend $500 to get a Nintendo Switch OLED (worth S$549) OR 15,000 KrisFlyer miles (worth one-way ticket to Bali) OR S$300 Cash via PayNow. PLUS stand a chance to win a ROLEX or PlayStation 5!!! T&Cs apply.
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.
Image: GIPHY
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 31 March 2023:
- CITIM5: SGD5 off with minimum SGD30 spend on GrabMart
- CITIM10: SGD10 off with minimum SGD60 spend on GrabMart
Image: GIPHY
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 these promotion codes to save:
- CITI5: S$5 off with minimum S$20 spend on GrabFood
- CITI10: S$10 off with minimum S$50 spend on GrabFood
- Shopping and Online Spend, including Food Delivery and Groceries
- S$1= 10X Points
- Grab and Gojek
- S$1= 10X Points
- All Other Spend
- S$1 = 1 Point
Apply and Spend $500 to get a Nintendo Switch OLED (worth S$549) OR 15,000 KrisFlyer miles (worth one-way ticket to Bali) OR S$300 Cash via PayNow. PLUS stand a chance to win a ROLEX or PlayStation 5!!! T&Cs apply.
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. Make sure you use one that gets you a discount on your online shopping.
Image: GIPHY
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.
- Shopping and Online Spend, including Food Delivery and Groceries
- S$1= 10X Points
- Grab and Gojek
- S$1= 10X Points
- All Other Spend
- S$1 = 1 Point
Apply and Spend $500 to get a Nintendo Switch OLED (worth S$549) OR 15,000 KrisFlyer miles (worth one-way ticket to Bali) OR S$300 Cash via PayNow. PLUS stand a chance to win a ROLEX or PlayStation 5!!! T&Cs apply.
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.
- 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
Get the Apple AirPods 3rd Generation (worth S$261.40) OR S$250 eCapitaVouchers OR $200 Cash via PayNow when you apply, spend and complete annual fee payment! T&Cs apply.
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.
- Local Spend
- S$1 = Up to 1.25 Miles
- Overseas Spend
- S$1 = Up to 2.25 Miles
- Reward points at luxury boutiques
- 10X
Still want to do something special on Valentine’s Day itself? Instead of spending $168++ per pax on a 3-course meal, opt for wallet friendly menus starting from as low as $9.40+/pax or DIY picnic ideas to romance your partner.
Image: GIPHY
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
- 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
Get the Apple AirPods 3rd Generation (worth S$261.40) OR S$250 eCapitaVouchers OR $200 Cash via PayNow when you apply, spend and complete annual fee payment! T&Cs apply.
- 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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