Referral Codes to Save and Earn Money

Save when you shop, earn as you pay and invest!

Shopping and Services (Save!)

Earn Cashback

Sign up for the following and get cashback as you spend. In this way, you enjoy further discounts on your purchases. What’s more, there’s a sign up cash bonus!


  • Referral Code: 6KpA6D
  • Referral Link:
  • Both of us receive a S$5 bonus once you sign up using this referral link and spend S$20.
  • Popular merchants on Shopback: Lazada, Shopee,, iHerb, and NTUC Fairprice.


  • Earn instant cashback.
  • Referral Code: christina0291
  • Both of us receive a S$5 bonus once you sign up using this referral code and spend S$25.
  • Popular merchants on Fuzzie: Grab, foodpanda, Zalora, Naiise, and Cat & The Fiddle.
Image: Shopback

Products: Save as you Shop

  • iHerb: Get 5% discount with my referral code or link: “GSM104” or
  • Pupsik (baby products):
    • New customers also qualify for special discount codes on first order (check your email upon signing up).
  • Rocky Mountains (essential oils): Shop through this referral link and be an affiliate yourself.
  • Shopee: Get 10% off your first purchase with my referral code “AGAPE226”
  • SMiB (anti hair loss products): Use this referral link and spin the wheel to win anti hair loss products!

Services: Save as you Enjoy

  • Airbnb: Sign up for a new account at and get up to S$90 for your first booking.
  • Circles.Life: Get FREE Unlimited Data for 3 months and S$38 registration fee waived with my referral code “TLCEJ5” when you sign up for the 20GB for S$18/month plan.
  • Helpling: Enter this referral code “aate56” while booking and get 50% off your first recurring booking.
  • Madam Partum: Quote “JoogoStyle” (until 31Dec2020).
    • For S$48 prenatal massage trial. Read my review on this massage.
    • For 5% off postpartum massage package (excl. home service). In addition, you get a complimentary bottle of slimming oil when you purchase the package of 10 or 14 sessions of the 90-min massage. Read my review on this massage.

Finance Tools (Earn!)

Remember to do your due diligence before signing up the following. And do use my referral link/code. Cheers! 🙂

Google Pay (Payment Platform)

Google Pay enables a consolidated payment solution. Transfer funds via PayNow/PayLah. Pay merchants via QR code.

Earn S$5 when you opt in to Google Pay offers and rewards and make your first payment of min. $10! Download the app and use my referral code “nx1e70m” to get started. Or simply click this referral link:

Syfe (Robo-Advisor)

I have no time to monitor the market. Hence, I invested using Syfe, a robo-advisor, a somewhat passive investing strategy for me. Syfe builds a personalised portfolio that allows me to invest in a blend of global and local equity, bonds, REITs, and gold Exchange Traded Funds (ETFs).

Syfe’s proprietary Automated Risk-Management Investments (ARI™) engine automatically manages my portfolio to maintain my chosen risk level. On top of that, it charges some of the lowest fees of any robo platform.

Currently, Syfe is offering a sign up bonus of S$10-S$100 to those that register with my referral code: SRPS2V4LX. With my referral code, you will get:

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  • S$10 bonus for the first deposit above $500
  • S$50 bonus for the first deposit above $10,000
  • S$100 bonus for the first deposit above $20,000.

Learn more at

Stashaway (Robo-Advisor)

I am generally pleased with the performance of Syfe. However, to diversify my funds, I also put funds into Stashaway, another robo-advisor. I don’t like to put all my money in one basket, just in case something happens to the basket, this includes bank accounts. I chose Stashaway because of the high rating on Seedly, and that’s based on 600+ reviews.

Have you started investing with StashAway yet? Sign up with my link and we’ll both get up to $10,000 SGD managed for free for 6 months! Find out more:

Singlife (Digital Life Insurer)

Singlife Account (“Singlife”) is an insurance savings plan that credits interests up to 2% p.a.* on your first S$10,000. The interest is credited on a monthly basis. It also provides insurance coverage to policyholders in the event of death and terminal illness.

With no lock in, Singlife offers flexibility to deposit and withdraw via FAST. You just need S$500 to get started. Singlife is licensed by the Monetary Authority of Singapore (MAS), and protected up to specified limits by the Singapore Deposit Insurance Corporation (SDIC).

You can read more about Singlife at and

[Update 1st Nov 2020]: The referral promotion has ended.

Both of us will earn S$10 each in our respective Singlife Accounts if you complete the following (rememeber to sign up for the debit card):

  1. Click my referral link via mobile:
  2. Install or update the Singlife App (version 3.3.0 or later)
  3. Create a Singlife ID
  4. In-force Singlife Account Policy
  5. Order Singlife Visa Debit Card
  6. Activate Singlife Visa Debit Card

Disclosure: Some of the links in this post are affiliate links. Affiliate link means I’ll get a small commission if you make a purchase. There’s NO extra cost to you. I appreciate your support to maintain this website, so that I can share more tips with you. Thank you!

Disclaimer: JoogoStyle and Christina accepts no liability (whether in tort or contract or otherwise) for any loss or damage arising from any use, misuse, inaccuracy or omission of the information or other contents published on this website.

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