Last updated: May 2026

Methodology

How SGfi works

SGfi provides calculator-based, side-by-side factual comparisons and projections built from publicly published figures. SGfi is an educational tool and is not financial advice.

Where our numbers come from

Every earn rate, interest rate, fee, cap, and eligibility figure on SGfi is taken from the product issuer's official published source — a bank's own product page or card terms, Singapore Airlines' published KrisFlyer award chart, or a .gov.sg page such as the CPF Board contribution schedules. We do not rebroadcast third-party aggregators.

Each figure carries its own source attribution and the date it was verified, shown inline in the calculator at the point where the figure is used. The CPF Projection Calculator is the live example: its contribution rates and allocation rules link back to the CPF Board source and state the date they take effect.

How often we verify

SGfi re-verifies every figure against its issuer source on a quarterly minimum schedule, and monthly for promotional rates, which change more frequently.

A “Rates as of [date]” stamp appears on every results page so the currency of each figure is visible at the point of use.

When SGfi's stored figure diverges from the issuer's current published figure, SGfi shows “Verifying current rates” in place of the stale number until the figure is re-confirmed against the source.

What the calculators do and don't model

Calculator outputs are estimates derived from the inputs you enter — they are projections, not promises of future returns.

Each tool states its modelling assumptions in the Limitations block shown with its results. These cover items such as an even monthly spend distribution, the merchant category (MCC) classification used to map spending to bonus rates, and each issuer's cap-reset rules.

The same block lists variables the calculators do not model — for example promotional-rate expiry, miles devaluation, and future policy or rate changes. Any of these can move a real-world outcome away from the estimate shown.

Corrections

Spotted a figure that looks wrong? Email [email protected]. We acknowledge every report within 48 hours, then review and take down the affected figure as soon as possible.

Who we are