WELCOME BONUS PROMOTION

Get 50% cashback on your first card transaction

Spend SGD 100 using the Instarem Business Card and get SGD 50 back as a welcome bonus. Plus, enjoy an extra 5% cashback when you spend SGD 10,000 or more between 5 Feb and 30 April, 2026.

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Two ways to earn cashback

Make your first card transaction

Get 50% cashback on your first SGD 100 spend as welcome bonus.*

*Cashback on eligible business expenses. See exclusion list.

Earn more as you spend more

Get 5% cashback when you spend SGD 10,000 or more.

*Cashback on eligible business expenses. See exclusion list.

How it works

  1. Register for your Instarem business account.
  2. Complete account verification and choose a card type.
  3. Activate your Instarem Business Card via email.
  4. Use it for eligible business expenses. See exclusion list.
  5. Earn cashback as you spend
    • Make your first business card transaction → get 50% cashback
    • Spend SGD 10,000 or more by April 30 → earn 5% cashback
Get started

FAQs

This Welcome Bonus promotion is for first-time Instarem business card users. It applies to new business users who activate and use their Instarem business card for the first time, as well as existing business clients who haven’t used their card yet.

The 50% cashback offer is limited to the first 100 eligible users. T&Cs apply

The Welcome Bonus promotion runs from 5 February to 30 April 2026. Eligible card spends must be completed within this period to qualify for cashback.

You’ll receive 50% cashback on your first SGD 100 spend using the Instarem business card, which means SGD 50 back on eligible business expenses (see exclusion list) once your first qualifying transaction is completed.

Yes. If you spend SGD 10,000 or more on eligible business expenses between 5 Feb and 30 April 2026, you can earn an additional 5% cashback on your spend using the Instarem business card. T&Cs apply

Most everyday business expenses are eligible. Certain merchant categories are excluded. Please refer to the exclusions list for full details.

Apply for your Instarem business card, activate it, and make your first transaction of SGD 100 to enjoy the 50% cashback welcome bonus. The cashback will be credited to your card wallet once the spend criteria is met.

The Welcome Bonus cashback will be credited to your Instarem business card wallet on the 25th of the month following the end of the promotion. For example, all cashback earned on eligible spends made between 5 February and 30 April 2026 will be credited by 25 May 2026.

If you’re a new business user, you can apply for the Instarem business card and qualify for the Welcome Bonus promotion by making your first eligible spend of SGD 100 between 5 February and 30 April 2026.

If you already have an Instarem business card but haven’t used it before, simply activate it and make your first eligible spend to be eligible for the cashback promotion.

Yes. The Welcome Bonus promotion on your first transaction using the Instarem business card is limited only to the first 100 eligible users during the campaign period.
Read full Terms and Conditions below: