Enjoy 3% cashback on McDonald’s transactions, 3% cashback on DFI Retail Group transactions (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Jasons and Jasons Deli), 3% cashback on Shopee Singapore transactions (excludes ShopeePay), 3% cashback on SimplyGo (bus and train rides) transactions & 1% cashback on Grab transactions (excludes mobile wallet top-ups) with a minimum monthly spend of S$500. Cashback is capped at S$20 per calendar month across McDonald’s, DFI Retail Group, Shopee Singapore, SimplyGo & Grab transactions. Click here for UOB One Debit Card Terms and Conditions.

Get a Harman Kardon Speaker and up to S$160 cash or up to S$220 cash comprising of 1) S$60 cash credit and 2) up to S$160 cash credit

1) Harman Kardon Speaker or S$60 cash credit

Limited to the first 150 customers on each tactical promotion date, namely 5 October 2024, 11 October 2024, 18 October 2024 and 25 October 2024 (each a “Tactical Promotion Date”). Harman Kardon Speaker (worth up to S$299) is only for the first 50 eligible customers on each Tactical Promotion Date during the promotion (i) who submit an online account opening application on a Tactical Promotion Date for a new single-name KrisFlyer UOB Account, UOB One Account, UOB Lady’s Savings Account, UOB Stash Account or UOB Uniplus Account (each an “Account”), (ii) whose application is successfully approved by 31 October 2024, and (iii) who deposit at least S$5,000 into their new Account by 31 October 2024 and hold it till 30 November 2024 (inclusive of the date indicated). For the next 100 customers who did not qualify for the Harman Kardon Speaker by being the first 50 customers but have otherwise satisfied all the conditions, they will be awarded with a S$60 cash credit instead. For existing UOB deposit customers, the fresh funds deposited into the new Account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all your other UOB current/savings accounts as at 30 September 2024. If you had received a reward under the UOB Online Account Opening Weekly Promotion (1 September to 31 October 2024), you will not be eligible to receive a reward under this Promotion.

Click here for full terms and conditions.

And

2) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 October 2024 to 31 December 2024) by successfully submitting an online participation form (available at the official UOB website) between 1 October 2024 to 31 December 2024, both dates inclusive, to receive the following cash rewards:

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB Savings Account in this Promotion via GIRO with the transaction description “GIRO-Inward Debit”, and/or who successfully perform a loan repayment transaction for their UOB car loan^{^} or UOB home loan^{^} from their designated Eligible UOB Savings Account for this promotion, in each case, within the next two calendar months from the date of submission of the online participation form.

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB Savings Account for this promotion via GIRO or PayNow^# within the next two calendar months from the date of submission of the online participation form; and

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB Savings Account for this Promotion via Direct Credit Service^~ within the next two calendar months from the date of submission of the online participation form.

Eligible UOB Savings Account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Full terms and conditions apply and can be accessed here.

^{^}Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

^~CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

“eligible UOB savings account” means a UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Passbook Savings Account and UOB Uniplus Account.

Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Eligible UOB savings account: UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Uniplus Account and KrisFlyer UOB Account.

New-to-UOB Deposit means that you are not an existing holder of a UOB current account or savings account at the time of submitting your new account application and you must not have held and/or closed any UOB current account or savings account from 1 October 2022 to the date of the application, both dates inclusive.

'new funds' refers to incremental Fresh Funds brought in to UOB (not transferred from an existing UOB current/savings account) and deposited in a UOB savings account.

Get a Delsey Freestyle 70cm Luggage and/or Up to S$180 cash credit comprising of EITHER 1) S$50 cash credit and 2) up to S$130 cash credit  

1) Delsey Freestyle 70cm Luggage and/or S$50 cash credit:
Delsey Freestyle 70cm Luggage (worth S$540) is only for the first 50 customers per calendar day (i) who submit an online account opening application between 12 to 14 July 2023 for a new KrisFlyer UOB Account or UOB One Account along with a new application for Mighty FX, (ii) whose application is successfully approved by 31 July 2023, and (iii) who deposit at least S$5,000 Fresh Funds into their new KrisFlyer UOB Account or UOB One Account by 31 July 2023 and hold it till 31 August 2023 (inclusive of the date indicated). Customers who are not within the first 50 eligible customers per calendar day as described above, or customers who only applied for a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account, UOB One Account or UOB Mighty FX, will receive a S$50 cash credit instead. For Existing-to-UOB Deposit customers, the Fresh Funds deposited into the new SGD UOB account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all your other UOB current accounts and/or savings accounts as at 30 April 2023. Available colours: Graphite or Sky Blue or Almond colors.

Click here for full terms and conditions governing the UOB Online Account Opening Flash Deal Promotion (12 to 14 July 2023).

And  

2) S$130 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB Transactional Campaign (1 July 2023 to 30 September 2023):

i. S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of min. S$30 per transaction from an eligible UOB Account via GIRO within the next two calendar months from the date of submission of the online participation form.
ii. S$50 Salary Cash Reward for customers who successfully credit monthly salary of min. S$1,600 into an eligible UOB Account via GIRO or PayNow within the next two calendar months from the date of submission of the online participation form. Full-time National Serviceman (NSF) customers must successfully credit a monthly salary or allowance of min. S$500.
iii. S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (min. S$50) into an eligible UOB Account via Direct Credit Service within the next six calendar months from the date of submission of the online participation form.

Click here for full terms and conditions governing UOB Transactional Campaign (1 July 2023 to 30 September 2023) apply.

‘new funds’ means fresh funds brought in to UOB and which are not transferred or withdrawn from an existing UOB current/savings/fixed deposit account and deposited into your new eligible UOB savings account. It is measured against your eligible UOB savings account’s March 2024 Monthly Average Balance.

Monthly Average Balance is the summation of each day-end balance for each month divided by the number of calendar days for that month.
Login to UOB Personal Internet Banking, click into the Account and you will be able to view last 3 months of Monthly Average Balance.

UOB Big Savings Payout Promotion (“Promotion”) is valid from 1 April 2024 to 29 June 2024, both dates inclusive (“Promotion Period”). To qualify, you must deposit incremental fresh funds in the specified amount (“Participating Deposit”) into your Eligible Account and successfully submit an online participation form to UOB for this Promotion during the Promotion Period, and maintain the Participating Deposit in your Eligible Account until the end of the Earmark Period. The amount of cash credit awarded under this Promotion depends on your actual Participating Deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will automatically be enrolled into the Lucky Draw and stand a chance to be one of the 10 winners to share S$12,000 worth of NTUC shopping vouchers. Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. Full terms and conditions apply and can be accessed here.

Participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 2025, both dates inclusive, to receive the following cash rewards:

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan^ or UOB home loan^ from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.;

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow^# within the next two calendar months from the date of submission of the online participation form; and

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service^~ within the next two calendar months from the date of submission of the online participation form.

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Customers who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.

Full terms and conditions apply and can be accessed here.

^{^}Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of “Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as “GIRO-SALA” or “PAYNOW SALA” to be eligible.

^~CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Up to S$198 cash credit comprising of 1a) S$68 cash credit or 1b) S$28 cash credit and 2) up to S$130 cash credit

1) S$68 Cash Credit or S$28 Cash Credit

a) S$68 cash credit will be awarded to the first 200 New-to-UOB Deposit participants in each calendar month (i) who submit an online account opening application between 1 January to 31 March 2024 for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account, (ii) whose application is successfully approved by 31 March 2024, (iii) deposit min. S$5,000 of fresh funds into their new UOB account during the account opening month, and (iv) hold the deposited fresh funds till the end of the following calendar month.

OR

b) S$28 cash credit will be awarded to the first 200 Existing-UOB-Deposit customers per calendar month who meet (i) to (iv) mentioned in (a) above. The fresh funds deposited into the new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts before your account opening month.

Full Terms and Conditions governing UOB Online Account Opening Promotion (1 January to 31 March 2024) apply.

AND

2) Up to S$130 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB SalaryPlus Promotion (1 January 2024 to 31 March 2024):

(i) S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of min. S$30 per transaction from an eligible UOB Account via GIRO within the next two calendar months from the date of submission of the online participation form.

(ii) S$50 Salary Cash Reward for customers who successfully credit monthly salary of min. S$1,600 into an eligible UOB Account via GIRO or PayNow within the next two calendar months from the date of submission of the online participation form. Full-time National Serviceman (NSF) customers must successfully credit a monthly salary or allowance of min. S$500.

(iii) S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends of min. S$50 per transaction into an eligible UOB Account via Direct Credit Service within the next two calendar months from the date of submission of the online participation form.

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Full Terms and Conditions governing UOB SalaryPlus Promotion (1 January 2024 to 31 March 2024) apply.

Repayment of your UOB car and home loan instalment must be reflected with the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

‘new funds’ means fresh funds brought in to UOB and which are not transferred or withdrawn from an existing UOB current/savings account and deposited into your new eligible UOB savings account. It is measured against your eligible UOB savings account’s March 2024 Monthly Average Balance.

Monthly Average Balance is the summation of each day-end balance for each month divided by the number of calendar days for that month.
Login to UOB Personal Internet Banking, click into the Account and you will be able to view last 3 months of Monthly Average Balance.

UOB Big Savings Payout Promotion (“Promotion”) is valid from 1 April 2024 to 29 June 2024, both dates inclusive (“Promotion Period”). To qualify, you must deposit incremental fresh funds in the specified amount (“Participating Deposit”) into your Eligible Account and successfully submit an online participation form to UOB for this Promotion during the Promotion Period, and maintain the Participating Deposit in your Eligible Account until the end of the Earmark Period. The amount of cash credit awarded under this Promotion depends on your actual Participating Deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will automatically be enrolled into the Lucky Draw and stand a chance to be one of the 10 winners to share S$12,000 worth of NTUC shopping vouchers. Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. Full terms and conditions apply and can be accessed here.

Promotion Week

1. 1 to 8 Sep
2. 9 to 15 Sep
3. 16 to 22 Sep
4. 23 to 29 Sep
5. 30 Sep to 6 Oct
6. 7 to 13 Oct
7. 14 to 20 Oct
8. 21 to 27 Oct
9. 28 to 31 Oct

UOB Online Account Opening Weekly Promotion (1 September to 31 October 2024)

Valid from 1 September 2024 to 31 October 2024 (“Promotion Period”). Limited to the first 150 customers of each Tactical Promotion Week, namely from 1 to 8 September and every calendar week from 9 September to 31 October 2024, (i) who submit an online account opening application during a Tactical Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into the new UOB account within the same calendar month of the new UOB account’s opening calendar month, and (iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 31 August 2024. Eligible new-to-UOB customers will be eligible to receive S$80 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$60 cash credit, and existing-to-UOB deposit customers will be eligible to receive S$30 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB Cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.

“new funds” means fresh funds brought in to UOB and which are not transferred or withdrawn from an existing UOB current/savings account and deposited into your new eligible UOB savings account, and must result in at least a corresponding increment in your eligible UOB saving account’s day-end balance throughout the promotion period and earmark period when compared against your eligible UOB savings account’s Monthly Average Balance for the calendar month of December 2024.

Monthly Average Balance is the summation of each day-end balance for each month divided by the number of calendar days for that month.

Login to UOB Personal Internet Banking, click into the Account and you will be able to view last 3 months of Monthly Average Balance.

Get up to S$956 cash credit comprising:

1) Up to S$688 cash credit
AND
2) Either S$108 or S$68 or S$28 cash credit
AND
3) up to S$160 cash credit

1) UOB Lunar New Year Pot of Gold Promotion (“Promotion”) is valid from 1 January 2025 to 29 March 2025, both dates inclusive (“Promotion Period”). To qualify, you must deposit new funds in the specified amount (“Participating Deposit”) into your Eligible Account and successfully submit an online participation form to UOB for this Promotion during the Promotion Period, and maintain the Participating Deposit in your Eligible Account until the end of the Earmark Period. The amount of cash credit awarded under this Promotion depends on your actual Participating Deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will automatically be enrolled into the Lucky Draw and stand a chance to to be one of the 8 winners to win a share of the lucky draw prize worth up to S$28,888 cash. Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. Full terms and conditions apply and can be accessed here.

And

2) UOB Online Account Opening Weekly Promotion (1 January to 31 March 2025)​

Valid from 1 January to 31 March 2025 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely from 1 to 5 January 2025 and every calendar week from 6 January to 31 March 2025, (i) who submit an online account opening application during a Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account within the same calendar month as their new UOB account opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new UOB account till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all their other UOB current accounts and/or savings accounts as at 31 December 2024 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$108 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing UOB current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.

And

3) Participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 2025, both dates inclusive, to receive the following cash rewards:

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan^{^} or UOB home loan^{^} from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.;

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow^# within the next two calendar months from the date of submission of the online participation form; and

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service^~ within the next two calendar months from the date of submission of the online participation form.

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Customers who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.

Full terms and conditions apply and can be accessed here.

^{^}Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible

^~CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

Applicable to New to UOB customers who are Singaporeans/PRs with MyInfo login and existing UOB customers applying as a single-named applicant with Myinfo login or bank details online. Applications submitted between 8.30am to 9pm will be opened instantly. Applications received outside these times will be processed the next working day. Applications are subject to UOB’s approval.

Only the Primary Account Holder can participate in our promotions.

Note: Customer can choose to apply for a joint account in the application by providing the joint applicant details. An email will be generated to the joint applicant to inform him/her that he/she has been nominated by the main applicant. The joint applicant would be required to complete the application within 7 working days.

Who is a Primary Account Holder?

The Primary Account Holder will be the main applicant when the application is submitted. It will be displayed as the first name under the Account Holder’s Name.

For illustration purposes only:
Account Holder’s Name: Ms Wendy Tan &/or Ms Alice Tan
Primary Account Holder: Ms Wendy Tan
Secondary Account Holder: Ms Alice Tan

Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$100,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.

Maximum effective interest rate (EIR) on the One Account is 3.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.

The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

T&Cs apply. Insured up to S$100k by SDIC.

Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 4.00% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.