Are you a savvy shopper, a gourmand, or a fun-loving millenial? The right credit card for you might also come with free luggage.

When choosing a credit card, people always told to focus on the card’s benefits, not the welcome offers.

The best credit card for you should reward you for things you already spend on.

But it’s hard to maintain this sort of rational decision-making when a flashy credit card comes with equally flashy free luggage.

After all, aren’t you saving S$300-S$900 on new luggage by going for the welcome offer?

What most Singaporeans don’t realise is that you must meet certain terms and conditions before claiming the luggage. This usually means spending a minimum amount on the credit card you applied for.

If you didn’t pay attention to what the card itself does, you could be spending hundreds of dollars and missing out on air miles, cashback, or rewards points.

So we’re making it easier for you by rounding up all the credit cards with free luggage welcome offers, and what kind of Singaporean can benefit most from it.

For the Savvy Shopper: ANZ Optimum World MasterCard

Most cash rebate credit cards in Singapore only give rebates for a particular type of spend.But the ANZ Optimum World MasterCard lets you decide where your savings should go.

Simply choose one of four categories at the start of each quarter:

  • Shopping (fashion boutiques online and offline),
  • Dining,
  • Groceries,
  • Travel (airlines, agencies, online travel portals).

You get 5 percent unlimited cashback on your chosen category for the entire quarter, and 1 percent cashback on all other spend.

Savvy Shoppers can make the most out of this card by planning ahead. Analyse what you typically spend on at certain times of the year, and make sure to select your chosen category by the deadline.

Let’s say you’re going on a two-week holiday in December, and you want to start booking your tickets and accommodations by April. Because April falls under the second quarter, select the Travel category by 25 March to get 5 percent unlimited cashback on all your travel bookings in April.

The Luggage: 24” Luggage

In addition to helping you shave 5 percent off your trip, the ANZ Optimum World MasterCard also gives you a 24” hard shell luggage after meeting certain conditions (see below).


Choose between the silver and gold versions, and make quite an entrance at your travel destination.

To claim the luggage, you must be among the first 100 applicants of the card for that particular week, and have your card approved within that same week.

Once your card has been approved, you must spend S$488 on it within 30 days of the card’s approval date.

Within 8 weeks of meeting the qualifying criteria, the bank will issue a redemption letter with details on how to claim your free luggage gift. The card’s S$180 annual fee applies. Promotion ends on 16 October 2016. Read the full terms and conditions here.

For the Gourmands: American Express Platinum Card

Being a foodie in Singapore is a serious commitment. While it’s never a waste to spend money where it makes you happy, you don’t always have to pay full price for it.

And that’s why among all the dining credit cards, the American Express Platinum Card is a great companion to the Singaporean Gourmand.

Cardmembers get instant access to Amex’s new dining programmes, Love Dining @ Restaurants and Love Dining @ Hotels.

These give you up to 50 percent off at Singapore’s best restaurants and hotel dining destinations when you go with a friend.

You also get a complimentary Far Card Membership worth S$425, which gives up to 50 percent off at restaurants in Fairmont Singapore, Swissotel the Stamford, Equinox Complex, and Swissotel Merchant Court.

And if you prefer to end your meal with craft beer or cocktail, cardmembers also get free welcome drinks or one-for-one deals at Singapore’s hottest bars.

The Luggage

TUMI Vapor Carry-on Luggage or 57cm Samsonite Armet Spinner.

The Amex Platinum Card comes with a free TUMI or Samsonite luggage. Specifically, the TUMI Vapor International Carry-on, which has an extra-durable polycarbonate alloy case and light frame.

Meanwhile, the 57cm Samsonite Armet Spinner is a sleek-looking polycarbonate suitcase with a built-in TSA lock, 4 multidirectional wheels, and 10-year warranty.

Which luggage you get depends on whether or not you want to pay its S$321 annual fee.

Full Fee Offer: TUMI Vapor International Carry-on Luggage

Apply for the card before 30 September 2016. Opt to pay the full annual fee to get the TUMI Vapor luggage (as well as a Philips 4012 air purifier). Get your credit card application approved before 30th September 2016.

Spend a total of S$7,500 within the first 6 months of owning your card. You’ll receive a letter within 8 weeks from the time your account reaches the S$7,500 spend. Your account must be in good standing at the time of redemption.

First Year Fee Waiver Offer: Samsonite Armet Spinner 57cm

Apply for the card before 30 September 2016. Choose to get your annual fee waived for the first year to be eligible for the Samsonite Armet Spinner.

Spend a total of S$7,500 within the first 6 months of owning your card. You’ll receive a letter within 8 weeks from the time your account reaches the S$7,500 spend. Your account must be in good standing at the time of redemption.

For Fun-Loving Millenials: HSBC Revolution Card

The HSBC Revolution Card is a fast favourite among Fun-Loving Millenials who want to enjoy their money and use only one credit card to do so.

This well-rounded rewards credit card gives 5 Reward Points for every S$1 spent online, which includes air tickets, food orders, and movie tickets.

You also get 5 Rewards points for every $1 spent at restaurants, clubs, pubs, and cafes. There’s no minimum spend required to earn points.

However, the number of points you can earn is limited to your monthly credit limit.

We like that this encourages responsible spending!HSBC’s 2016 Rewards Catalogue looks very promising, with a wide range of fashion, home, dining, and travel rewards to redeem your points with.

The Luggage: Samsonite Black Label Richmond Spinner 75cm

New cardmembers can get a Samsonite Black Label Richmond Spinner 75cm worth S$950.

Available in Black or Ivory Gold, this luxe suitcase features buttery soft real leather handles, a TSA combination lock, and a complimentary garment bag, shoe bag, and luggage cover.

Terms and Conditions

Apply for the HSBC Revolution Card before 30 September 2016 and get your card approved by 15 October 2016. Spend a minimum of S$1,000 on the card within 30 days after card issue.

Within 3 months from the card issue date, you’ll receive an SMS with redemption details. It will be valid for a month, so be sure to claim your luggage then. See full terms and conditions here is a financial comparison platform for credit cards and personal loans in Singapore. Subscribe to its weekly newsletter to find out how you can make personal finance decisions.

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