Ozbargainer Moving to Singapore - Tips?
Last edited 10/04/2018 - 23:11
I'm an Ozbargainer and I've recently been offered a job in Singapore which I intend to take and I believe I'll be heading over in a few months. Do you guys have any tips for me, in general?
I might post this on Ozbargain as well and see if I get much advice over there as it's obviously still quite a fair bit more active than here.
Here's what I'm curious about at this stage:
- Banking - best transaction account? best high interest savings account (although I've heard interest rates are crap)? Someone did ask this earlier and there are some decent tips but things can change in a year :P
- Credit Cards - I'm currently extremely familiar with the Australian Credit Card market (I kinda made the Credit Card Wiki on Ozbargain? haha). I'm aware AMEX has a transfer program for when you migrate to certain countries (and I know Singapore is one of them) so I do intend to explore this
- Accomomdation - I'm aware of the options of HDB vs Condo and that condos are generally more expensive and have a gym/pool. Personally, I don't feel a condo is a necessity. I would probably even consider getting a cheaper HDB with an additional bedroom and Airbnb-ing out a spare room?
- Phone plans - I'm a SIM slut in Australia. I kinda feel this won't be a thing that I'll be able to continue to do in SG.
- Purchasing Electronics (TV, washing machine, microwave, etc.) - In Australia I would either look at paying on a Credit Card with extended warranty + points, or look at buying discounted 5% Woolies eGift Cards to buy JB Hi-Fi Gift Cards to then buy electronics. I would also look at price matching etc.
- Furniture - similar to above. Or should I look for a furnished place..? Is there a gumtree equivalent? I know there's Carousell.
- Investments - Given interest accounts have pretty low rates.. what do people normally do with their money?
- Visa (looking ahead) - PR application, if I intend to stay long term? What should I consider?
- Health Insurance/Medicare equivalent? - I've heard that medical care is quite expensive
- Food hacks, booking portals, payment apps? I know hawkers are pretty cheap as it is.. but is there something like Dimmi, Qantas Restaurants, Liven, Groupon from Australia? I've heard of GrabPay and FavePay (FavePay is what replaced Groupon)
- Discounts (or cashback/points earn) to top up EZLink? For example in Sydney, you can use discounted Woolies eGift Cards to top up your Opal card at a Woolworths
- Anything you think I should do/get in Australia before leaving?
Thanks in advance guys!
Thanks so much for your input! You've been there for a few years? No plans to return?
BANKING: standard interest rate is about 0.10%, to be fair mortgage is only 1.7% currently. Lately mostly banks are offering interest rates near 3% if you achieve a few things, e.g. deposit your salary into it, pay 3 bills, use their credit to hit certain limit, or hold some investment product with them. Most caps the deposit this 3% applies to around $50-70k. You really need to do your own research on the suitable package, main banks to consider DBS, UOB, OCBC, Citibank, HSBC, Maybank, Bank of China.
Damn 1.7% is so low. I reckon get a home loan in Singapore for an Australian property.. or even a loan at that rate to put into an Australian High Interest Savings account! I'm sure this has been explored and probably isn't possible.. LOL. 3% interest for Singapore sounds really good though. I heard it was really low.
CREDIT CARD: if you are into miles, the equivalent of POINTHACKS in australia is milelion.com in Singapore, so check that out. Most banks here are pushing heavily on Paywave and Online transactions, for cashback cards, you can achieve around 5% rebate on them. In Singapore Paywave is PIN free below $200, so very handy. Here credit card companies generally separate the spending categories into Paywave, Online, Dining, Grocery, Entertainment, Government (no rebates), Hospital, Petrol, Foreign Currency. So you need to pick the one that suits your spending habit.
Yep, definitely into miles and milelion.com sounds like it'd be definitely interesting to me. Yep I did notice that the main difference appeared to be that cashbacks/rebates were a big thing through credit cards and often divided by category as you've described. I think I'm gonna end up with ~10 CCs (which I'm fine with…). Also noticed that the bonus points on sign up + meeting a spend threshold are much lower than Australia. Probably too many tightasses there!
ACCOMODATION: yeah, HDB not bad too, they can still have nice renovation inside. There is also Executive Condo, which is a HDB built to Condo standard.
Yep I think I'll be happy with HDB. Executive Condo so it's technically still a HDB? That sounds interesting.
PHONE: Most companies have a company plan with telco's called CIS, which give you around 25% discount on the regular rate. Telcos here try to package sell pay tv and broadband. so get a package. interest is super cheap here and yet faster than nbn in australia. 3 main telcos Singtel (owns Optus), M1, Starhub, fee structure all very similar. TPG coming as the 4th telco soon.
You know what, I'm considering not having home broadband and just having a high allowance mobile data plan, so kinda not thinking of a package. Would that be feasible? I'm not really interested in Pay TV lol. Don't think my partner will be either. Oh TPG coming? Interesting!
PURCHASE ELECTRONICS: Online shopping, Lazada, Amazon Prime, Qoo10. Offline Harvey Norman, Courts, Best Denki (they have a credit card for 8% off) TV is cheaper is Australia. Oh, if you use cashrewards in aus, the one in singapore is shopback.sg (which also recently expanded to aus and advertised on ozbargain). There is a big electronic fair at Expo or Suntec every quarter where you can find some promo bargains.
8% cashback with Best Denki sounds sweet.
TVs are cheaper in Australia? You're surely not suggesting I buy in Australia and bring it over are you? LOL. I do use Cashrewards. Cool, I'll definitely look into Shopback.sg. That Electronic fair sounds pretty good.
FURNITURE: Yes, Carousell has overtaken gumtree by far. There are some malls dedicated for furniture.
Oh they actually have Gumtree over there? So it's really only Carousell in terms of private selling?
INVESTMENT: Goes back to the banking question, banks tries to tie everything together. You can always fx and deposit back into Aus too.
That last part - are you suggesting that as a form of investment? lol
So banks try and get you to invest through them? I was thinking more in terms of stuff like property, bitcoin, shares etc.VISA: PR status here is still very similar to a foreigner status, apart from long term residence, it allows you to have a superannuation account here called CPF and lowers your stamp duty on property purchase. that's pretty much it.
Ah yes I've been made aware that only PRs and citizens can superannuation (CPF).
HEALTH: I was worried about medical when first thought about coming, because in Australia we are covered by medicare. After I got here, all the companies purchase health insurance for employees as standard, which covers all GP costs, specialist with caps. So it is actually even cheaper than Australia, because I don't even have to pay for medicine cost. check with the hr on the coverage.
Yes I noticed that because I've recently been given some of the specific details of my offer and I've been advised medical costs and dental will be 100% covered, which is cool! Don't know specific details yet and I would assume it doesn't cover my partner.
FOOD: FAVE (ex Groupon), food delivery - Food Panda, Grab, UberEat.
Sweet!
EZLINK: You can now use your MasterCard as Ezlink directly, so just shop for the best rebate you can get on your MasterCard. Alternatively some credit cards have discounts for Ezlink topups 1-5%.
That's really sweet. Will look at both.
ANYTHING ELSE: Cash FX rates in Singapore is the best in the world, common currency bid/ask spread is within 1%. So don't change too much aud to sgd cash.
Not sure what you mean by this. Are you just advising me to not change in Australia and take any cash I wish to convert from AUD to SGD to Singapore to change instead?
Congrats on your job offer in Singapore! Is this like a secondment you're doing?
I'll answer some of your questions :)
Purchasing Electronics (TV, washing machine, microwave, etc.) - In Australia I would either look at paying on a Credit Card with extended warranty + points, or look at buying discounted 5% Woolies eGift Cards to buy JB Hi-Fi Gift Cards to then buy electronics. I would also look at price matching etc.
As mentioned above by yarmun, Lazada and Qoo10 are some of your online giants that do have promotions frequently. Don't forget about Shopee as well.
Food hacks, booking portals, payment apps? I know hawkers are pretty cheap as it is.. but is there something like Dimmi, Qantas Restaurants, Liven, Groupon from Australia? I've heard of GrabPay and FavePay (FavePay is what replaced Groupon)
- For the Dimmi alternative, use Chope, HungryGoWhere, Eatigo, Quandoo.
- Definitely use Fave (they are the Groupon of SE Asia), they have heaps of offers for dining and practically promo codes everyday. And a bunch of merchants have cashback offers if you pay with FavePay (through the Fave app).
- If you're going to sign up for a DBS bank account, they have a payment app called DBS PayLah!. Some past promotions if you're curious.
- Another payment app is Dash by Singtel, and you get 5% cashback on your purchases from a few supermarket giants (FairPrice, RedMart, Cold Storage etc), Watsons (pharmacy), taxi rides (Comfort/City Cab & Prime Taxi). Though you can only get cashback on one transaction per day, and it's capped at $2.50.
Phone plans - I'm a SIM slut in Australia. I kinda feel this won't be a thing that I'll be able to continue to do in SG.
Haha :) Yes they'll record your passport details just for buying a SIM. An addition to the main telcos is Circles.Life (virtual like amaysim in Australia).
If you plan to go prepaid you can get discounted top ups for the main 3 telcos (Singtel, StarHub, M1) through Lazada. Up to 10% off now, as opposed to the fixed 10% off they were offering for many months. But you can always head to Shopee and get your top-ups there and combine with promo code/cashback offers.
FOOD: FAVE (ex Groupon), food delivery - Food Panda, Grab, UberEat.
As you know about Uber leaving SE Asia it'll be GrabFood that takes over Uber Eats. But anyhow, there's also Deliveroo, honestbee Food Delivery, WhyQ and CutQ as well. Many do run promo code offers time to time. Lots of western food on these platforms but a little expensive, maybe okay if you start getting a bit bored of hawker food.
Downfall of leaving Australia is cheap pizza! Pizza (Domino's/Pizza Hut) in Singapore compared to Australia isn't cheap…
Discounts (or cashback/points earn) to top up EZLink? For example in Sydney, you can use discounted Woolies eGift Cards to top up your Opal card at a Woolworths
Not directly answering this but I also recommend getting a NETS card as there are NETS exclusive promotions there from time to time. You can also use this on public transport, and can be used at some card terminals (I've used ez-link at Maccas without problems and do recall seeing the option to pay with NETS as well, however NETS seems to be more widely accepted).
You can earn points travelling with your EZ-Link card however. See their rewards program.
If you are after discounted gift cards, check out Fuzzie. Technically, you buy gift cards and your "discount" is a rebate/cashback thing. Then you can use your cashback to fund your next purchase. If you want to cashout your balance instead, you'll need a Singaporean bank account.
And as mentioned above by yarmun, your Cashrewards equivalent in Singapore is ShopBack. Definitely sign up to them as you'll be able to get cashback from Fave, Grab, HungryGoWhere, Eatigo etc.
Anything you think I should do/get in Australia before leaving?
Maybe bring in some snacks if you like, you really almost never see anything at 50% off compared to what you see in Woolies/Coles :P
A packet of Tim Tams is like $4 in Singapore (price from FairPrice) but they often go for just under $2 at Woolies/Coles.
Congrats on your job offer in Singapore! Is this like a secondment you're doing?
Thanks!
Nope not a secondment actually. It's a permanent position and I'll be sponsored by work (visa-wise) to have the right to work in Singapore. Are you located in Singapore too? I always got the impression you were Australia-based.
I've responded to a lot of the things in my above comment to yarmun so I'll keep this shorter by responding to be a bit less (I am no less appreciative of your replies!)
- For the Dimmi alternative, use Chope, HungryGoWhere, Eatigo, Quandoo.
- Definitely use Fave (they are the Groupon of SE Asia), they have heaps of offers for dining and practically promo codes(cheapcheaplah.com) everyday. And a bunch of merchants have cashback offers if you pay with FavePay (through the Fave app).
- If you're going to sign up for a DBS bank account, they have a payment app called DBS PayLah!. Some past promotions if you're curious.
- Another payment app is Dash by Singtel(cheapcheaplah.com), and you get 5% cashback on your purchases from a few supermarket giants (FairPrice, RedMart, Cold Storage etc), Watsons (pharmacy), taxi rides (Comfort/City Cab & Prime Taxi). Though you can only get cashback on one transaction per day, and it's capped at $2.50.
- Thanks for the Dimmi alternatives!
- Cool. Will keep using Fave (I have used them previously haha)
- Hmm seeing the volume of the PayLah! promotions I'm going to assume that's probably something similar to ING 2/5% cashbacks? Seems like they've got quite a number too!
- Dash sounds sweet too. $2.50 cap is pretty piss poor though lol.
Haha :) Yes they'll record your passport details just for buying a SIM. An addition to the main telcos is Circles.Life (virtual like amaysim in Australia).
If you plan to go prepaid you can get discounted top ups for the main 3 telcos (Singtel, StarHub, M1) through Lazada(lazada.sg). Up to 10% off now, as opposed to the fixed 10% off they were offering for many months. But you can always head to Shopee and get your top-ups there and combine with promo code/cashback offers.
Yea damn I guess SIM slutting days are over!! Circles.Life sounds interesting. Will look into it when the time to move gets closer! The discounted prepaid top ups sound reasonably attractive too.
As you know about Uber leaving SE Asia it'll be GrabFood that takes over Uber Eats. But anyhow, there's also Deliveroo, honestbee Food Delivery, WhyQ and CutQ as well. Many do run promo code offers time to time. Lots of western food on these platforms but a little expensive, maybe okay if you start getting a bit bored of hawker food.
Downfall of leaving Australia is cheap pizza! Pizza (Domino's/Pizza Hut) in Singapore compared to Australia isn't cheap…
Hm nah I think Hawker will have enough variety to keep me engaged! Oh hmm interesting about pizza. I don't love it, but that's good to keep in mind!
Not directly answering this but I also recommend getting a NETS card as there are NETS exclusive promotions(nets.com.sg) there from time to time. You can also use this on public transport, and can be used at some card terminals (I've used ez-link at Maccas without problems and do recall seeing the option to pay with NETS as well, however NETS seems to be more widely accepted).
You can earn points travelling with your EZ-Link card however. See their rewards program(ezlink.com.sg).
Ok will look into NETS. It looked to me like it was like an EFTPOS equivalent of Singapore from times I've been there.
Will look at that rewards program! I can't imagine the return would be good though considering what I would imagine would be inelastic demand for public transport…If you are after discounted gift cards, check out Fuzzie. Technically, you buy gift cards and your "discount" is a rebate/cashback thing. Then you can use your cashback to fund your next purchase. If you want to cashout your balance instead, you'll need a Singaporean bank account.
And as mentioned above by yarmun, your Cashrewards equivalent in Singapore is ShopBack. Definitely sign up to them as you'll be able to get cashback from Fave, Grab, HungryGoWhere, Eatigo etc.
I'm sure I'll have a Singaporean bank account considering I'm going to be moving over and earning a salary in SGD so that cashback/rebate sounds like a discount to me!
Yep will look into ShopBack for sure!
Maybe bring in some snacks if you like, you really almost never see anything at 50% off compared to what you see in Woolies/Coles :P
A packet of Tim Tams is like $4 in Singapore (price from FairPrice) but they often go for just under $2 at Woolies/Coles.
Hmm nah I didn't mean it so much in that way :P Sorry, I meant more like..
Anything that I can only get here in Australia with an Australian salary that I should maybe look at getting before I leave? For example, I'm looking at getting a particular Bankwest Credit Card before I go because I otherwise won't be able to get it once I leave! Another example (albeit much bigger example) would've been like buying a property here first before leaving.
Nope not a secondment actually. It's a permanent position and I'll be sponsored by work (visa-wise) to have the right to work in Singapore. Are you located in Singapore too? I always got the impression you were Australia-based.
Nice one! Nope, I'm Aussie based as your impression has been so.
Hmm seeing the volume of the PayLah! promotions I'm going to assume that's probably something similar to ING 2/5% cashbacks? Seems like they've got quite a number too!
I take it's a mix and not really like the ING cashbacks completely. Some offers are the type where you pay full price, and get rebated back a certain amount while others are discounted on the spot provided you just PayLah! it.
Ok will look into NETS. It looked to me like it was like an EFTPOS equivalent of Singapore from times I've been there.
I have thought the same thing too!
Anything that I can only get here in Australia with an Australian salary that I should maybe look at getting before I leave?
Okay sorry for the misinterpretation - other than credit cards or bank accounts etc I'm not too sure what else you could get :P
I guess maybe an Aussie number/SIM you might want to take with you if you're using services that have 2FA and only accept Aussie numbers? Although I couldn't really think on the top of my head what sort of services do so (in Singapore there are indeed a bunch of sites out there that only accept Singaporean numbers, including that Fuzzie gift card cashback site I mentioned).
Nice one! Nope, I'm Aussie based as your impression has been so.
How do you know so much about the SG market? Is that just from your experience posting deals here?
Okay sorry for the misinterpretation - other than credit cards or bank accounts etc I'm not too sure what else you could get :P
I guess maybe an Aussie number/SIM you might want to take with you if you're using services that have 2FA and only accept Aussie numbers? Although I couldn't really think on the top of my head what sort of services do so (in Singapore there are indeed a bunch of sites out there that only accept Singaporean numbers, including that Fuzzie gift card cashback site I mentioned).
That's ok - I can understand how it could've been interpreted how you interpreted it!
Yes I've thought of the whole having an Aussie SIM with 2FA. I'll probably put my number on some kind of long expiry (6 month) prepaid.
I've got a Singapore SIM from Starhub ;) So Singapore number-wise I'm sweet. Haha
Extra questions I've got now:
- I've got strong ties to Malaysia and I can foresee myself flying there regularly (maybe once a month)? Would any of you happen to be aware of how this might help me live more frugally in Singapore as well? e.g. using a Malaysian mobile plan with cheap roaming for cheap data, or Malaysian CC with specific Singapore discounts, or even buying some electronics which are known to be cheaper in Malaysia than Singapore?
- Not planning on living in Johor Bahru and commuting, although I am aware that is kind of an option LOL. Unless there's a way to bring that commute time from 1.5 hours to say, 1 hour or less, I don't think I'll entertain this at all.
- Can foreigners buy property in Singapore (and is it worth looking at)?
- Transferring money between Singapore and Australia through a platform like CurrencyFair? Would that be the best/most efficient way?
Singapore custom is quite against bring good in from Malaysia, think over $400 you need to pay GST. Cars are searched on the way back when crossing custom to check how much you are bringing back.
Foreigner additional stamp duty on property is 15% at the moment.
CurrencyFair & TransferWise works. But if you transferring property purchase amounts, think there are better platforms that saves you more money.
Circling back to your earlier credit card questions, yes Singapore's signup bonus is horrible when compared to Aus. But the banks are more open to annual fee waivers. Pretty much all card except for the high end, you can get annual fee waivers. So it costs nothing to hold multiple cards.
Executive condo is like a HDB in the sense it can only be sold to local citizens originally, but it is a cooperation between government and private sector building. After 5 years, it can be leased and sold to anyone.
I am using M1 for home broadband, $29 for 300Mbps unlimited, comes with a free home phone line and 1GB/mth sim card. For totally unlimited mobile broadband, think Circle is offering it at $3/DAY on top of a normal monthly plan. So home broadband is a good choice.
I feel TVs is about 30% cheaper in Australia. If your company is paying for relocation shipping and you are getting a big TV, it can be considered. Alternatively you can just rent a place that is furnished.
Investments, Singapore bans gambling including online betting. Everything else is allowed. FYI, no capital gains tax here :)
Health insurance, you should check with HR, seeing your dental is 100% covered, the plan sounds like a good one. So a good chance they might cover your partner too.
Another site to recommend for read up is www.hardwarezone.com.sg , it is equivalent to whirlpool in Australia.
Foreign Domestic Workers (maids) is an excellent option here if you are thinking to establish a larger family down the track.
Singapore custom is quite against bring good in from Malaysia, think over $400 you need to pay GST. Cars are searched on the way back when crossing custom to check how much you are bringing back.
Really? I've flown between the two countries plenty of times and I've never gotten the impression that they were particularly strict on things being brought back and forth. I've heard stories of people going to Malaysia to get petrol though and how they are strict with that.
Foreigner additional stamp duty on property is 15% at the moment.
High. Too high. lol
CurrencyFair & TransferWise works. But if you transferring property purchase amounts, think there are better platforms that saves you more money.
Ah, have you got any examples? Probably won't be transferring amounts that huge.
Circling back to your earlier credit card questions, yes Singapore's signup bonus is horrible when compared to Aus. But the banks are more open to annual fee waivers. Pretty much all card except for the high end, you can get annual fee waivers. So it costs nothing to hold multiple cards.
Yes I've heard that it's much easier to get Credit Card waivers too. Was the AMEX migration program something you looked at too?
Executive condo is like a HDB in the sense it can only be sold to local citizens originally, but it is a cooperation between government and private sector building. After 5 years, it can be leased and sold to anyone.
But I assume the 15% foreigner stamp duty tax is still there.
I am using M1 for home broadband, $29 for 300Mbps unlimited, comes with a free home phone line and 1GB/mth sim card. For totally unlimited mobile broadband, think Circle is offering it at $3/DAY on top of a normal monthly plan. So home broadband is a good choice.
$29/mth sounds cheap! $3/day isn't cheap though, but as you said it's mobile broadband. 3x the cost for mobility… nah..
I feel TVs is about 30% cheaper in Australia. If your company is paying for relocation shipping and you are getting a big TV, it can be considered. Alternatively you can just rent a place that is furnished.
Haha that is hilarious. I can't imagine doing this but sure, sounds like a reasonable idea (I know work is paying for some freight). Haven't decided whether I'll do furnished or unfurnished.
Investments, Singapore bans gambling including online betting. Everything else is allowed. FYI, no capital gains tax here :)
Would VPN work for online gambling? :P Yea I've heard of no CGT!
Health insurance, you should check with HR, seeing your dental is 100% covered, the plan sounds like a good one. So a good chance they might cover your partner too.
Nope not covering the partner! I've checked. But I've been told the large majority of companies arrange health cover for their employees so it doesn't sound like too big a concern.
Another site to recommend for read up is www.hardwarezone.com.sg , it is equivalent to whirlpool in Australia.
Ah cool. Looks like a good site!
Foreign Domestic Workers (maids) is an excellent option here if you are thinking to establish a larger family down the track.
Yep.. I'll think about that later down the track :P
Do you mind sharing what industry you're in? You have no plans to move back?
Flying from Malaysia is fine, although there is some additional control over buying alcohol at Changi when your departure country is Malaysia.
I didn't use the Amex migration, I just redeemed all the Australian miles into KrisFlyer directly.
I am in financial software industry. You?
OzBargain
ChoiceCheapies
CheapCheapLah
Hi illumination,
I am an Aussie in Singapore for a few years, and do browse ozbargain and cheapcheaplah frequently. hope I can help you out on some below:
BANKING: standard interest rate is about 0.10%, to be fair mortgage is only 1.7% currently. Lately mostly banks are offering interest rates near 3% if you achieve a few things, e.g. deposit your salary into it, pay 3 bills, use their credit to hit certain limit, or hold some investment product with them. Most caps the deposit this 3% applies to around $50-70k. You really need to do your own research on the suitable package, main banks to consider DBS, UOB, OCBC, Citibank, HSBC, Maybank, Bank of China.
CREDIT CARD: if you are into miles, the equivalent of POINTHACKS in australia is milelion.com in Singapore, so check that out. Most banks here are pushing heavily on Paywave and Online transactions, for cashback cards, you can achieve around 5% rebate on them. In Singapore Paywave is PIN free below $200, so very handy. Here credit card companies generally separate the spending categories into Paywave, Online, Dining, Grocery, Entertainment, Government (no rebates), Hospital, Petrol, Foreign Currency. So you need to pick the one that suits your spending habit.
ACCOMODATION: yeah, HDB not bad too, they can still have nice renovation inside. There is also Executive Condo, which is a HDB built to Condo standard.
PHONE: Most companies have a company plan with telco's called CIS, which give you around 25% discount on the regular rate. Telcos here try to package sell pay tv and broadband. so get a package. interest is super cheap here and yet faster than nbn in australia. 3 main telcos Singtel (owns Optus), M1, Starhub, fee structure all very similar. TPG coming as the 4th telco soon.
PURCHASE ELECTRONICS: Online shopping, Lazada, Amazon Prime, Qoo10. Offline Harvey Norman, Courts, Best Denki (they have a credit card for 8% off) TV is cheaper is Australia. Oh, if you use cashrewards in aus, the one in singapore is shopback.sg (which also recently expanded to aus and advertised on ozbargain). There is a big electronic fair at Expo or Suntec every quarter where you can find some promo bargains.
FURNITURE: Yes, Carousell has overtaken gumtree by far. There are some malls dedicated for furniture.
INVESTMENT: Goes back to the banking question, banks tries to tie everything together. You can always fx and deposit back into Aus too.
VISA: PR status here is still very similar to a foreigner status, apart from long term residence, it allows you to have a superannuation account here called CPF and lowers your stamp duty on property purchase. that's pretty much it.
HEALTH: I was worried about medical when first thought about coming, because in Australia we are covered by medicare. After I got here, all the companies purchase health insurance for employees as standard, which covers all GP costs, specialist with caps. So it is actually even cheaper than Australia, because I don't even have to pay for medicine cost. check with the hr on the coverage.
FOOD: FAVE (ex Groupon), food delivery - Food Panda, Grab, UberEat.
EZLINK: You can now use your MasterCard as Ezlink directly, so just shop for the best rebate you can get on your MasterCard. Alternatively some credit cards have discounts for Ezlink topups 1-5%.
ANYTHING ELSE: Cash FX rates in Singapore is the best in the world, common currency bid/ask spread is within 1%. So don't change too much aud to sgd cash.