MY Referral codes

So this page is dedicated to the listing of the referral codes of some of the products/services that I use myself, and please feel free to use these codes should you find yourself considering to jump aboard these products/services too and is looking for referral codes to sweeten your joining process with them.

Just to be clear on my end, I don't just randomly include any referral codes that I have here. In order for these referral codes to be listed here, they must fulfil these criteria:

  1. I must be using / have used these products/services myself.

  2. I must be at least fairly satisfied with their product/services on my end.

  3. These referral codes/deals must benefit you too while it benefits me - If not, why bother on your end?

Take note though I am not promoting these listed products/services. While I may find myself fairly satisfied with their products/services, you might beg to differ on your end. However, if you are already considering to use their products/services, then feel free to use my referral codes for a win-win situation to the both of us! :)

Google Pay | Digital Payment

Referral Code ends: 30th Apr 2021

Referral Link: Download the mobile app using this link: (Access link on phone)

Additional Criteria: First time user only; and you need to make a $10 transaction (payment or peer-to-peer transfer) with Google Pay, and be opted-in to Google Pay's offer and rewards.

What you get: $3 cash (in your PayNow account, once above criteria is fulfilled)

What I get: $3 cash

MoneyOwl | Financial Services & Advisory

Referral Code: 3LCY-92WU

What you get: Up to $65 GrabFood credits in total when you sign up an account with them using the referral code, and subsequently utilise MoneyOwl's products and services (Insurance products ($20), Investment products ($20), Comprehensive Financial Planning ($20) and Will Writing Services ($5)). Note, do also let MoneyOwl's agent know that you were referred in, so he can inform his admin department to follow up.

What I get: Accordingly also up to $65 GrabFood credits depending on how much you got

Ohm | Electricity Retailer

Referral Code: OHMREF4F50AE

What you get: $20 off your electricity bill (one-time) when you switch to Ohm

What I get: $20 off my electricity bill (one-time) when you switch to Ohm

ShopBack | Online Cashback and Deals

Referral Link:

What you get: $5 (in your ShopBack account) when you make a first-time purchase of $25 or more

What I get: $5 (in my ShopBack account) when you make a first-time purchase of $25 or more

iHerb | E-Commerce (Supplements)

Referral Code: FRX9997

Additional Note: This code can be used everytime you check out. No limit.

What you get: 5% off your order with iHerb

What I get: 5% (via iHerb rewards credits)

Shopee | E-Commerce

Referral Code: JEFFR435

What you get: $10 off your first purchase on Shopee

What I get: $5 (via Shopee Coins)

Fave | E-Cashback and Deals; Digital Payment

Referral Code: 6YGCH

What you get: $1 off your first purchase (min $20)

What I get: $1 (via Fave credit)

Aprilskin | E-Commerce (Skincare)

Referral Link:

What you get: $5 off your first order

What I get: $5 (when you make your first purchase)

iTea | Food & Beverages (Bubble Tea)

Referral Code: 6656

What you get: $2 iTea credit + $1 iTea voucher, when you sign up (no purchase required)

What I get: $1 iTea voucher, when you sign up (no purchase required)


simply means I may update you when there's something new, and yes it's free!


All information contained herein this blog is solely Jeffrey's personal opinion, and does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration. It also does not constitute an offer to buy or sell an insurance or financial product or service nor is it intended to provide insurance or financial advice. Readers are fully responsible for their investment decision, including whether the product or service described (if any) herein is suitable for them. Readers are also advised to do their own due diligence, and to consult a financial adviser for any financial advice. Jeffrey will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information herein, and makes no representation or warranty of any kind, express, implied or statutory regarding any information contained or referred to herein.

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