Singapore hubs

Priscilla Ho

PR Manager

SingaporeEnglish (English)$ SGD

Priscilla is a busy PR Manager navigating the high-paced corporate world of Singapore. This hub covers the essential national schemes, tax reliefs, and digital portals she relies on to manage her career, finances, and personal well-being.

Managing my career and taxes

Optimizing my income tax and staying compliant with professional regulations.

Income Tax Reliefs

national · Inland Revenue Authority of Singapore

Who qualifies
All tax-resident individuals in Singapore
What you get
Reduces chargeable income via reliefs like Earned Income Relief or Course Fee Relief
What it actually costs you
Annual tax filing via myTax Portal, usually by April 18th
Common gotcha
Many forget to claim Course Fee Relief for professional certifications

SkillsFuture Credit

national · SkillsFuture Singapore

Who qualifies
Singapore Citizens aged 25 and above
What you get
$500 initial credit plus periodic top-ups for professional courses
What it actually costs you
Singpass login, no expiry on base credits
Common gotcha
Credits cannot be used for non-accredited hobbyist workshops

CPF Voluntary Contribution

national · Central Provident Fund Board

Who qualifies
Singapore Citizens and PRs
What you get
Tax relief on voluntary cash top-ups to Special/Retirement accounts
What it actually costs you
Cash transfer via PayNow or e-NETS
Common gotcha
Top-ups are irreversible and locked until retirement age

Supplementary Retirement Scheme

national · Ministry of Finance

Who qualifies
Singaporeans, PRs, and Foreigners
What you get
Tax-deferred savings for retirement
What it actually costs you
Opening an account with DBS, OCBC, or UOB
Common gotcha
Early withdrawal before age 62 incurs a 5% penalty and 100% tax on the amount

Work Injury Compensation Act

national · Ministry of Manpower

Who qualifies
All employees under a contract of service
What you get
Medical leave wages and compensation for work-related injuries
What it actually costs you
Must report injury to employer within 10 days
Common gotcha
Does not cover commuting accidents unless in company transport

Employment Act Protections

national · Ministry of Manpower

Who qualifies
All employees except domestic workers and public servants
What you get
Statutory minimum for annual leave, sick leave, and public holidays
What it actually costs you
Employment contract review
Common gotcha
Managers earning above $4,500 may have different overtime eligibility

Staying healthy and insured

Ensuring I have adequate coverage for unexpected medical costs.

MediShield Life

national · CPF Board

Who qualifies
All Singapore Citizens and PRs
What you get
Basic health insurance for large hospital bills and selected outpatient treatments
What it actually costs you
Automatically deducted from MediSave account
Common gotcha
Does not cover full private hospital bills; usually requires an Integrated Shield Plan

CHAS Blue/Orange/Green

national · Agency for Integrated Care

Who qualifies
Singapore Citizens based on household income
What you get
Subsidies for visits to GP and dental clinics
What it actually costs you
Application via Singpass; card mailed to home
Common gotcha
Only valid at CHAS-accredited clinics

National Steps Challenge

national · Health Promotion Board

Who qualifies
All residents
What you get
Rewards and vouchers for hitting daily step counts
What it actually costs you
Download Healthy 365 app
Common gotcha
Syncing issues with third-party fitness trackers

CareShield Life

national · Ministry of Health

Who qualifies
Singapore Citizens and PRs born in 1980 or later
What you get
Long-term care insurance for severe disability
What it actually costs you
Annual premiums paid via MediSave
Common gotcha
It is a mandatory scheme; cannot opt out

Public Polyclinic Subsidies

national · Ministry of Health

Who qualifies
All Singapore Citizens
What you get
Heavily subsidized primary healthcare
What it actually costs you
Appointment via HealthHub app
Common gotcha
Long wait times for non-urgent appointments

Screen for Life

national · Health Promotion Board

Who qualifies
Singapore Citizens and PRs
What you get
Subsidized health screenings for chronic diseases
What it actually costs you
Small co-payment at participating GPs
Common gotcha
Eligibility depends on age and last screening date

My digital identity and portals

Managing my life through Singapore's unified digital infrastructure.

Singpass

national · Government Technology Agency

Who qualifies
All residents with NRIC/FIN
What you get
Single sign-on access to all government services
What it actually costs you
Face verification setup on mobile app
Common gotcha
Losing access requires a trip to a kiosk or reset via mail

LifeSG App

national · Smart Nation and Digital Government Office

Who qualifies
All residents
What you get
Consolidated access to government benefits and services
What it actually costs you
Download app and link Singpass
Common gotcha
Not all services are fully integrated yet

PayNow

national · Association of Banks in Singapore

Who qualifies
All bank account holders
What you get
Instant peer-to-peer and business payments
What it actually costs you
Link mobile number to bank account
Common gotcha
Sending to the wrong number is difficult to reverse

TraceTogether

national · Government Technology Agency

Who qualifies
All residents
What you get
Digital check-in for venues and health status
What it actually costs you
App download or token
Common gotcha
Battery drain on older phones

OneService App

national · Municipal Services Office

Who qualifies
All residents
What you get
Report municipal issues like pests or broken streetlights
What it actually costs you
Photo submission via app
Common gotcha
Issues on private property are not covered

Work Pass Services

national · Ministry of Manpower

Who qualifies
Work pass holders
What you get
Digital card and pass management
What it actually costs you
Employer-led application
Common gotcha
Pass renewal must be initiated by employer

Lifestyle and getting around

Everyday perks and transport efficiency in the city.

SimplyGo

national · Land Transport Authority

Who qualifies
All commuters
What you get
Contactless payment for public transport
What it actually costs you
Link bank card or EZ-Link card
Common gotcha
Account-based ticketing means no balance display on card readers

CDC Vouchers

national · Community Development Councils

Who qualifies
All Singaporean households
What you get
Digital vouchers for heartland shops and supermarkets
What it actually costs you
Claim via Singpass
Common gotcha
Vouchers expire after a set period

NLB Library Membership

national · National Library Board

Who qualifies
All residents
What you get
Access to books, e-books, and digital archives
What it actually costs you
Free registration
Common gotcha
Late fees for physical books

Park Connector Network

national · National Parks Board

Who qualifies
All residents
What you get
Free recreational cycling and jogging paths
What it actually costs you
None
Common gotcha
Shared paths require courtesy to pedestrians

GST Voucher Scheme

national · Ministry of Finance

Who qualifies
Lower-to-middle income Singaporeans
What you get
Cash payouts and U-Save rebates
What it actually costs you
Automatic disbursement if eligible
Common gotcha
Depends on annual value of property

Museum Roundtable

national · National Heritage Board

Who qualifies
All residents
What you get
Free entry to many museums for citizens/PRs
What it actually costs you
Show NRIC at entrance
Common gotcha
Special exhibitions may still require tickets

State-level schemes

1states & territories — open one to see what it offers.

Singapore新加坡

Singapore offers a highly structured ecosystem of professional development grants and lifestyle subsidies that help PR managers balance high-cost urban living with career progression.

Leveling up my career

SkillsFuture Credit

技能创前程培训补助

state · SkillsFuture Singapore

Who qualifies
Singapore citizens aged 25 and above.
What you get
Initial $500 opening credit plus periodic top-ups for approved professional courses.
What it actually costs you
Zero cost; requires Singpass login and course selection from the portal.
Common gotcha
Credits expire if not used within specific windows; check your balance on the portal regularly.

Union Training Assistance Programme (UTAP)

state · NTUC

Who qualifies
NTUC union members.
What you get
50% funding of unfunded course fees, capped at $250 per year.
What it actually costs you
Must be a union member with paid-up dues; apply within 6 months of course completion.
Common gotcha
Only applies to training providers supported by NTUC LearningHub.

Career Conversion Programme (CCP)

state · Workforce Singapore

Who qualifies
Mid-career professionals looking to pivot into new sectors.
What you get
Salary support for employers and training subsidies for individuals.
What it actually costs you
Requires finding an employer willing to participate in the program.
Common gotcha
You cannot apply for this yourself; your hiring company must initiate the application.

TechSkills Accelerator (TeSA)

state · IMDA

Who qualifies
Professionals looking to acquire digital skills relevant to PR and marketing.
What you get
Subsidies for specialized digital marketing and data analytics certifications.
What it actually costs you
Course fees vary; subsidies are applied directly by the training provider.
Common gotcha
Ensure the specific course is TeSA-accredited before signing up.

Managing the cost of living

CDC Vouchers Scheme

社理会邻里购物券

state · Community Development Councils

Who qualifies
All Singaporean households.
What you get
Digital vouchers to spend at participating heartland merchants and supermarkets.
What it actually costs you
Claimable via Singpass; no cost.
Common gotcha
Vouchers have an expiry date; they do not roll over to the next year.

Climate Friendly Households Programme

state · NEA

Who qualifies
HDB households.
What you get
Vouchers to offset the cost of energy-efficient appliances like refrigerators.
What it actually costs you
Must purchase from participating retailers.
Common gotcha
Only applies to specific energy-rated models.

Workfare Transport Concession

state · LTA

Who qualifies
Lower-income workers under the Workfare Income Supplement scheme.
What you get
Discounted fares on public transport.
What it actually costs you
Requires a specific concession card.
Common gotcha
Eligibility is reviewed annually based on CPF contributions.

CPF Housing Grant

公积金购屋津贴

state · HDB

Who qualifies
First-time HDB flat buyers.
What you get
Up to $80,000 in grants for resale flats.
What it actually costs you
Requires eligibility assessment and flat purchase.
Common gotcha
Grant amounts depend on citizenship status and family nucleus.