Roundup: Credit Card Sign-up Bonuses (October 2024)

Here’s The MileLion’s monthly roundup of the latest credit card sign-up bonuses in Singapore for October 2024. 

If you have any big ticket spending coming up, these bonuses could be an opportunity to rack up some extra miles or gifts, so plan your spending accordingly!

At a glance: Current sign-up bonuses

Here’s a summary of the current sign-up bonuses on the market, presented two ways: 

1. Payoff ratio
2. Cost per mile

Payoff ratio refers to the bonus miles divided by total spend (excluding annual fee). Basically: what’s the bang for your buck? For every S$1 of spend, how many miles do you get?

On that basis, here are are best sign-up offers. 

💳 Credit Card Sign-Up Bonuses (sorted by payoff ratio)
	Spend (AF)	Miles^	Payoff@
DBS Altitude AMEX Apply Ends 31 Jan 25	S$800 (S$196)*	35K	43.8
HSBC T1 Card Apply Ends 31 Dec 24	S$500 (S$196)	20K	40
Citi Premier Miles Apply Ends 31 Oct 24	S$800 (S$196)*	30K + S$100 Trip.com gift card	37.5
DBS Altitude Visa Apply Ends 31 Jan 25	S$800 (S$196)*	30K	37.5
AMEX KF Ascend Apply Ends 31 Oct 24	S$1K (S$343)	36.8K + S$50	36.8
Citi Prestige Apply Ends 31 Dec 24	S$2K (S$545)	50K	25
Citi Rewards Apply Ends 31 Oct 24	S$800 (FYF)	16K	20
UOB VI Metal Apply Ends 31 Dec 24	S$4K (S$654)	80K	20
AMEX KF Card Apply Ends 31 Oct 24	S$1K (FYF)	15.9K + S$50 eCV	15.9
DBS Vantage  Apply Ends 31 Jan 25	S$4K (S$600)	60K	15
StanChart Journey Apply Ends 31 Oct 24	S$3K (S$196)*	45K + S$160	15
KrisFlyer UOB ⚠️ Cap Applies Apply End 31 Oct 24	S$2K (FYF)	25K	12.5
AMEX HighFlyer Apply Ends 31 Oct 24	S$3K (S$305)	24.6K	11.5
UOB PRVI Miles Card Apply Ends 31 Oct 24	S$4K (S$261)	46K + S$80 eCV	11.5
AMEX Plat Charge Apply Ends 31 Oct 24	S$8K (S$1,744)	55K + luggage + S$100	6.8
^Does not include base miles *Fee waiver option available, with smaller number of bonus miles. See below for full details. @ Ignores non-miles gifts

Cost per mile refers to the annual fee divided by bonus miles. If you need to pay an annual fee as part of the sign-up bonus, you’re essentially paying for miles- the question is, how much?

On that basis, here are are best sign-up offers.

💳 Credit Card Sign-Up Bonuses (sorted by cost per mile)
	Spend (AF)	Miles^	Cost Per Mile@
AMEX KF Card Apply Ends 31 Oct 24	S$1K (FYF)	15.9K + S$50 eCV	–
KrisFlyer UOB ⚠️ Cap Applies Apply Ends 31 Oct 24	S$2K (FYF)	25K	–
Citi Rewards Apply Ends 31 Oct 24	S$800 (FYF)	16K	–
StanChart Journey Apply Ends 31 Oct 24	S$3K (S$196)*	45K + S$160	0.44
DBS Altitude AMEX Apply Ends 31 Jan 25	S$800 (S$196)*	35K	0.56
UOB PRVI Miles Card Apply Ends 31 Oct 24	S$4K (S$261)	46K + S$80 eCV	0.57
Citi Premier Miles Apply Ends 31 Oct 24	S$800 (S$196)*	30K + S$100 Trip.com gift card	0.65
DBS Altitude Visa Apply Ends 31 Jan 25	S$800 (S$196)*	30K	0.65
UOB VI Metal Apply Ends 31 Dec 24	S$4K (S$654)	80K	0.82
AMEX HighFlyer Apply Ends 31 Oct 24	S$3K (S$305)	24.6K	0.88
AMEX KF Ascend Apply Ends 31 Oct 24	S$1K (S$343)	36.8K + S$50	0.93
HSBC T1 Card Apply Ends 31 Dec 24	S$500 (S$196)	20K	0.98
DBS Vantage Apply Ends 31 Jan 25	S$4K (S$600)	60K	1.00
Citi Prestige Apply Ends 31 Dec 24	S$2K (S$545)	50K	1.09
AMEX Plat Charge Apply Ends 31 Oct 24	S$8K (S$1,744)	55K + luggage + S$100	3.17
^Does not include base miles *Fee waiver option available, with smaller number of bonus miles. See below for full details. @ Ignores the value of non-miles gifts

Ultimately, both sets of ranking criteria have a common shortcoming: they only look at miles. Some of these cards have additional benefits like free hotel nights or airport lounge access, which you’ll also need to factor in.

Therefore, it’s always advisable to read through each of the sign-up bonus articles and The MileLion’s Card Reviews before coming to a decision.

AMEX HighFlyer Card

AMEX HighFlyer Card (Offer Ends: 31 Oct 24)
Apply
Details
	New & Existing
Annual Fee	S$304.59 (must be paid)
Spend	S$3,000
Spend Period	90 days
Base Miles	5,400
Bonus Miles	24,600
Total Miles	30,000
Applicants who have cancelled the AMEX HighFlyer Card previously for the same company are not eligible.

New AMEX HighFlyer Cardholders who submit their applications by 31 October 2024 (with approval by 30 November 2024) and spend S$3,000 within 90 days of approval will receive 24,600 bonus HighFlyer points.

On top of this, they’ll earn 5,400 base HighFlyer points for spending S$3,000 (based on 1.8 HighFlyer points per S$1). HighFlyer points can be converted into KrisFlyer miles at a 1:1 ratio, without any fees. 

The S$304.59 annual fee must be paid. There is no requirement that you be new-to-AMEX; the offer applies even if you hold an existing AMEX consumer card. Applicants who have cancelled the AMEX HighFlyer Card previously for the same company are not eligible. 

The AMEX HighFlyer Card comes with a complimentary Accor Plus Explorer membership with a 1-night hotel stay and up to 50% off dining across Asia Pacific, as well as two complimentary lounge visits. 

AMEX KrisFlyer Ascend

AMEX KrisFlyer Ascend (Offer Ends: 31 Oct 24)
Apply
	New	Existing
Annual Fee	S$343.35 (must be paid)	S$343.35 (must be paid)
Spend	S$1,000 (in FCY)	S$1,000 (in FCY)
Spend Period	30 days	30 days
Base Miles	1,200	1,200
Bonus Miles	36,800 + S$50	26,800 + S$50
Total Miles	38,000 + S$50	28,000 + S$50
New customers are defined as those who do not currently hold a principal AMEX consumer card (DBS, Citi and UOB-issued AMEX cards do not count, nor does the AMEX HighFlyer Card) and have not cancelled an AMEX KrisFlyer Ascend Card in the past 12 months
Existing customers are defined as those who have not cancelled an AMEX KrisFlyer Ascend Card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 31 October 2024 and spend S$1,000 in FCY in the first 30 days will receive 36,800 bonus miles + S$50 cashback when they pay the S$343.35 annual fee and spend S$1,000 within 30 days of approval. 

Existing AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Ascend by 31 October 2024 and spend S$1,000 in FCY in the first 30 days will receive 26,800 bonus miles + S$50 cashback when they pay the S$343.35 annual fee and spend S$1,000 within 30 days of approval. 

Cardholders will also earn a further 1,200 base miles (S$1,000 @ 1.2 mpd).

If the S$1,000 minimum spend is made in SGD instead of FCY, you will need to deduct 4,000 miles from the bonus component. Also, the calculations assume that this is your first-ever American Express Singapore Airlines cobrand card. If you have held one in the past at any time, you need to deduct 5,000 miles from the bonus component.

While the first year’s annual fee cannot be waived, you’ll receive a complimentary one night stay at participating Hilton properties, Hilton Silver status (which saves you the 5th night off award night redemptions), and four complimentary lounge passes.

Do note that some big changes will be made to this card from 1 November 2024, affecting earn rates, privileges and the annual fee. Refer to this article for more details.

AMEX KrisFlyer Credit Card

AMEX KrisFlyer Credit Card (Offer Ends: 31 Oct 24)
Apply
	New
Annual Fee	S$179.85 (first year free)
Spend	S$1,000
Spend Period	30 days
Base Miles	1,100
Bonus Miles	15,900 + S$50 eCV
Total Miles	17,000 + S$50 eCV
New customers are defined as those who do not currently hold a principal AMEX consumer card (DBS, Citi and UOB-issued AMEX cards do not count, nor does the AMEX HighFlyer Card) and have not cancelled an AMEX KrisFlyer Credit Card in the past 12 months

New-to-AMEX cardholders who apply and receive approval for an AMEX KrisFlyer Credit Card by 31 October 2024, and spend S$1,000 in the first 30 days will receive 15,900 bonus miles + S$50 eCapitaVoucher.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,100 base miles (S$1,000 @ 1.1 mpd).

Do note that the calculations assume that this is your first-ever American Express Singapore Airlines cobrand card. If you have held one in the past at any time, you need to deduct 5,000 miles from the bonus component.

AMEX Platinum Charge

AMEX Platinum Charge (Offer Ends: 31 Oct 24)
Apply
Details
	New & Existing
	Offer 1	Offer 2
Annual Fee	S$1,744 (must be paid)	S$1,744 (must be paid)
Spend	S$8,000	S$8,000
Spend Period	180 days	180 days
Base Miles	6,250	6,250
Bonus Miles	55,000 + S$100 + Samsonite luggage	S$900 + Samsonite luggage
Total Miles	61,250 + S$100 + Samsonite luggage	6,250 + S$900 + Samsonite luggage
Offer valid for anyone who has not cancelled a principal AMEX Platinum Charge in the past 24 months

This month, American Express is offering the same two options for both new-to-AMEX and existing customers.

• Option 1 features 88,000 bonus MR points (55,000 miles) + S$100 cashback and a Samsonite Choca Spinner 68/25
• Option 2 features S$900 cashback and a Samsonite Choca Spinner 68/25

Both options require paying the S$1,744 annual fee and spending S$8,000 in the first 180 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 10,000 base MR points (6,250 miles). 

All AMEX Platinum Charge cardholders will be able to enjoy two sets of the newly-launched dining, lifestyle, air travel, fashion and entertainment statement credits in their first year, since these are awarded based on calendar year instead of membership year (except for entertainment credits, which are awarded per month).

This makes the first year of membership quite the sweet spot, as I’ve explained in the post below.

The AMEX Platinum Charge first-year sweet spot

Citi PremierMiles Card

Citi PremierMiles Card (Offer Ends: 31 Oct 24)
Apply
Details
	New Only
	Offer 1	Offer 2
Annual Fee	S$196.20 (must be paid)	S$196.20 (first year waived)
Spend	S$800	S$800
Spend Period	2-3 months	2-3 months
Base Miles	960	960
Bonus Miles	30,000 + S$100 Trip.com gift card	8,000 + S$100 Trip.com gift card
Total Miles	30,960 + S$100 Trip.com gift card	8,960 + S$100 Trip.com gift card
New customers are defined as those who do not currently hold a principal Citi credit card, and have not cancelled one in the past 12 months

Citibank recently enhanced its welcome offer for the Citi PremierMiles Card with the addition of an extra S$100 Trip.com gift card, on top of the usual bonus of up to 30,000 miles.

New-to-bank customers can earn 30,000 bonus miles + S$100 Trip.com gift card when they pay the S$196.20 annual fee and spend S$800 within 2-3 months of approval (the exact timeframe depends on when approval comes through; you have until the end of the second month after the approval month to spend).

Alternatively, they can earn 8,000 bonus miles + S$100 Trip.com gift card when they spend S$800 within 2-3 months of approval, together with an annual fee waiver.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 960 base miles (S$800 @ 1.2 mpd).

Citi Prestige Card

Citi Prestige Card (Offer Ends: 31 Dec 24)
Apply
Details
	New & Existing
Annual Fee	S$545 (must be paid)
Spend	S$2,000
Spend Period	2-3 months
Base Miles	2,600
Bonus Miles	50,000
Total Miles	52,600
Offer valid for anyone who has not cancelled a Citi Prestige Card in the past 12 months

The Citi Prestige Card is offering a welcome bonus of 50,000 bonus miles for cardholders who:

• Pay the S$545 annual fee (25,000 miles)
• Spend S$2,000 by the end of the second month following approval

Assuming you clock the minimum spend on local transactions, you’ll earn a further 2,600 base miles (S$2,000 @ 1.3 mpd).

As a reminder, Citi PayAll transactions can be used to meet the minimum spend, provided the annual fee is paid. Alternatively, you can use your card to make direct payments for things like insurance, hospital bills, and charitable donations- even though you won’t earn any base miles for these, they will count towards minimum spend.

What’s noteworthy about this offer is that it’s available to existing Citi cardholders as well, so holding a Citi PremierMiles Card or Citi Rewards Card won’t disqualify you from participating.

Citi Rewards Card

Citi Rewards Card (Offer Ends: 31 Oct 24)
Apply
Details
	New Only
Annual Fee	S$196.20 (first year waived)
Spend	S$800
Spend Period	2-3 months
Base Miles	3,200
Bonus Miles	16,000
Total Miles	19,200
New customers are defined as those who do not currently hold a principal Citi credit card, and have not cancelled one in the past 12 months

New-to-bank customers can earn 16,000 bonus miles when they spend S$800 within 2-3 months of approval (the exact timeframe depends on when approval comes through; you have until the end of the second month after the approval month to spend). The first year’s annual fee is waived. 

Assuming you clock the minimum spend on online transactions (and you should, given how easy it is), you’ll earn a further 3,200 base miles (S$800 @ 4 mpd).

I consider the Citi Rewards Card to be practically essential for miles collectors, and if you don’t have one for whatever reason, that’s something you need to change.

DBS Altitude AMEX Card

DBS Altitude AMEX (Offer Ends: 31 Jan 25)
Apply
Details
	New Only
Annual Fee	S$196.20 (can be waived with 10,000 fewer bonus miles)
Spend	S$800
Spend Period	60 days
Base Miles	1,040
Bonus Miles	35,000
Total Miles	36,040
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank customers who apply for a DBS Altitude AMEX with the promo code ALTA35 will enjoy 35,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval .

Should they not wish to pay the annual fee, applying with the code ALTAW25 gets you a first year fee waiver, with 25,000 bonus miles.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,040 base miles (S$800 @ 1.3 mpd).

DBS Altitude Visa Card

DBS Altitude Visa (Offer Ends: 31 Jan 25)
Apply
Details
	New Only
Annual Fee	S$196.20 (can be waived with 10,000 fewer bonus miles)
Spend	S$800
Spend Period	60 days
Base Miles	1,040
Bonus Miles	30,000
Total Miles	31,040
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank customers who apply for a DBS Altitude Visa with the promo code ALTV30 will enjoy 30,000 bonus miles when they pay the S$196.20 annual fee and spend S$800 within 60 days of approval .

Should they not wish to pay the annual fee, applying with the code ALTVW20 gets you a first year fee waiver, with 20,000 bonus miles.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 1,040 base miles (S$800 @ 1.3 mpd).

DBS Vantage Card

DBS Vantage Card (Offer Ends: 31 Jan 25)
Apply
Details
	New	Existing
Annual Fee	S$599.50 (must be paid)	S$599.50 (must be paid)
Spend	S$4,000	S$4,000
Spend Period	30 days	30 days
Base Miles	6,000	6,000
Bonus Miles	60,000	40,000
Total Miles	66,000	46,000
New customers are defined as those who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months

New-to-bank/existing customers will enjoy 60,000/40,000 bonus miles when they apply for a DBS Vantage Card, pay the S$599.50 annual fee and spend S$4,000 within 30 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 6,000 base miles (S$4,000 @ 1.5 mpd).

Unfortunately, this welcome offer has been cut from the previous month, where new-to-bank customers enjoyed 85,000 bonus miles. 

HSBC TravelOne Card

HSBC TravelOne Card (Offer Ends: 31 Dec 24)
Apply
Details
	New & Existing
Annual Fee	S$196.20 (must be paid)
Spend	S$500
Spend Period	1-2 months
Base Miles	600
Bonus Miles	20,000
Total Miles	20,600

This month, the HSBC TravelOne Card has cut its welcome offer from 30,000 bonus miles to 20,000 bonus miles. This is available to both new and existing HSBC cardholders who:

• Pay the annual fee of S$196.20
• Spend at least S$500 during the qualifying spending period
• Opt-in for marketing communications during the sign-up process (do not forget this step, or you won’t get anything!)

The qualifying spending period is as follows:

Assuming you clock the minimum spend on local transactions, you’ll earn a further 600 base miles (S$500 @ 1.2 mpd).

Cardholders will enjoy other perks like four lounge visits per calendar year (i.e. eight in the first membership year), 21 transfer partners, plus no conversion fees till 31 January 2025.

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card (Offer Ends: 31 Oct 24)
Apply
Details
	New (First 100 applicants only)
Annual Fee	S$196.20 (first year waived)
Spend	S$2,000
Spend Period	60 days
Base Miles	2,400
Bonus Miles	25,000
Total Miles	27,400
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled one in the past 6 months

The KrisFlyer UOB Credit Card has once again extended its 25,000 bonus miles offer for new-to-bank customers, but they now have a first 100 cap, which pretty much renders the offer irrelevant to me. 

But if something compels you to apply anyway, you’ll need to spend at least S$2,000 in the first 60 days. Assuming you clock the minimum spend on local transactions, you’ll earn a further 2,400 base miles (S$2,000 @ 1.2 mpd).

Cardholders who spend at least S$800 on SIA Group transactions (defined as Singapore Airlines, Scoot and KrisShop) in a membership year can earn an uncapped 3 mpd on dining, online shopping and travel, and transport. If you’ve maxed out your bonus caps on other cards, then this would be the next best alternative. 

StanChart Journey Card

StanChart Journey Card (Offer Ends: 31 Oct 24)
Apply (Fee Waiver)
Apply (Fee Paying)
	New (Pay AF)	New (AF Waiver)
Annual Fee	S$196.20 (must be paid)	S$196.20 (first year waived)
Spend	S$3,000	S$3,000
Spend Period	60 days	60 days
Base Miles	3,600	3,600
Bonus Miles	45,000	25,000
Total Miles	48,600	28,600
New customers are defined as those who do not currently hold a principal StanChart credit card, and have not cancelled one in the past 12 months

New-to-bank customers who pay the annual fee will receive 45,000 bonus miles for spending S$3,000 in the first 60 days of approval. Assuming that S$3,000 is spent in local currency, cardholders will earn an additional 3,600 base miles (S$3,000 @ 1.2 mpd). 

New-to-bank customers who want a first year fee waiver will receive 25,000 bonus miles for spending S$3,000 in the first 60 days of approval. Assuming that S$3,000 is spent in local currency, cardholders will earn an additional 3,600 base miles (S$3,000 @ 1.2 mpd). 

Regardless of whether you take the fee paying or fee waiver option, applying via SingSaver allows new-to-bank customers to stack the 25,000/45,000 bonus miles with a choice of extra gifts:

• 15,000 Max Miles
• Samsonite Straren luggage
• S$200 Shopee vouchers
• S$160 cash

UOB PRVI Miles Card

UOB PRVI Miles Card (Offer Ends: 31 Oct 24)
Apply (AMEX)
Apply (Mastercard)
Apply (Visa)
Details
	New
Annual Fee	S$261.60
Spend	S$4,000
Spend Period	2 months
Base Miles	5,600
Bonus Miles	46,000 + S$80 eCV
Total Miles	51,600
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled a principal UOB credit card in the past 6 months

New-to-bank UOB PRVI Miles Cardmembers will enjoy up to 46,000 bonus miles, split into:

• 20,000 miles for paying the S$261.60 annual fee
• 26,000 miles for spending S$2,000 per month for two consecutive months

Applications via the SingSaver links above will also enjoy a bonus S$80 eCapitaVoucher or S$80 Shopee voucher, on top of the UOB welcome offer.

There is no cap on the maximum customers eligible for these bonuses. However, do note that you must be approved by 31 October 2024, so don’t leave your application till the last minute. 

Assuming the S$4,000 minimum spend is clocked locally, a further 5,600 base miles (S$4,000 @ 1.4 mpd) will be earned.

UOB assumes that you’ll spend all S$4,000 in IDR, MYR, THB or VND for 3 mpd, which is why you’ll see claims of a 58,000 miles sign-up bonus (46,000 bonus + 12,000 base) on its website.

UOB Visa Infinite Metal Card

UOB VI Metal Card (Offer Ends: 31 Dec 24)
Apply
Details
	New	Existing
Annual Fee	S$654 (must be paid)	S$654 (must be paid)
Spend	S$4,000	S$4,000
Spend Period	30 days	30 days
Base Miles	5,600	5,600
Bonus Miles	80,000	40,000
Total Miles	85,600	45,600
New customers are defined as those who do not currently hold a principal UOB credit card, and have not cancelled one in the past 6 months

New-to-bank/existing customers will enjoy 80,000 miles/40,000 bonus miles when they apply for a UOB Visa Infinite Metal Card, pay the S$654 annual fee and spend S$4,000 within 30 days of approval.

Assuming you clock the minimum spend on local transactions, you’ll earn a further 5,600 base miles (S$4,000 @ 1.4 mpd).

Unfortunately, the S$200 Grab vouchers which were previously offered to new and existing cardholders are no longer available, which makes this offer somewhat less attractive.

That said, the minimum spend can be met through spend on education transactions, a relative rarity in this day and age. It might be worth considering in some scenarios, though the time to act was really last year.

My picks for October 2024

This month’s offers see the AMEX Platinum Charge basically waiving more than half of its first year’s S$1,744 annual fee, if you take the welcome offer with S$900 statement credits and a Samsonite luggage. Together with two sets of annual statement credits, dining vouchers, free hotel stay and Comoclub C5 vouchers, it’s almost impossible to not come out ahead in your first membership year. 

Citi is also making a renewed push for the Citi PremierMiles Card by adding a S$100 Trip.com gift card to the existing offer of up to 30,000 bonus miles, which is well worth considering.

The AMEX KrisFlyer Credit Card’s already lacklustre earn rates will get slightly worse from November 2024, but this was always a  “bonus and banish” card- something you don’t spend on beyond the welcome offer period. A further S$50 eCapitaVoucher is now being offered, and if you do qualify you might as well take it.

Non-miles welcome offers

Here’s a roundup of the other non-miles sign-up bonuses that are currently running in the market. 

💳 Credit Card Sign-Up Bonuses (Non-miles)
	Spend (Period)	Reward^	Remarks
AMEX Plat. CC Ends 31 Oct 24 Apply	S$1K (30 days)	S$350	T&C
DBS yuu AMEX Ends 31 Jan 25 Apply	S$800 (60 days)	S$150	T&C
DBS yuu Visa  Ends 31 Jan 25 Apply
MB Horizon No end date Apply	S$1,300 (2 mo.)	S$200	T&C
SC Simply Cash Ends 31 Oct 24 Apply	S$500 (30 days)	S$380	T&C
^Other rewards may be offered too, click on links for full details

Do note that you will only count as a new customer for the first card you’re approved for. Subsequent approvals will receive existing customer gifts, if any.

Conclusion

As with all credit card sign-up offers, it’s important to read through the T&Cs to confirm eligibility, qualifying spend definitions, and fulfilment timelines. Don’t panic if you don’t see the bonus immediately upon meeting the minimum spend; these usually take three months or more to process.

I also recommend saving a copy of the T&Cs for your own reference, because banks may overwrite the T&Cs when new campaigns are launched, or worse, retroactively modify them!