Welcome to GXS Reno Club.

Welcome to GXS Reno Club.

Whether you’re renovating your new home or fixing up a small space, make your journey an ultra rewarding one with GXS Reno Club.

Enjoy exclusive perks from GXS Bank, Grab and Singtel with a renovation loan bundle from just 1.88% p.a. (EIR 3.47% p.a.).

What you will receive:

  • 4 x $20 off PayLater (online) promo codes. Min spend of $400 applies.
  • 1 x $20 off GrabPay (online) promo codes. Min spend of $800 applies.

The promo codes can be used at the below retailers:

  • Harvey Norman
  • PRISM+
  • Gain City
  • FortyTwo
  • Samsung
  • Dyson
  • Sterra
  • Kyson
  • HipVan
  • Omnidesk
  • Secretlab
  • Mega Discount Store
  • Lumos Projector
  • Loft Home Furniture
  • Steigen
  • Ninja Kitchen
  • Luxus
  • Raffles Paint
  • Audio House
  • Furnituremart.sg

The best of 3 worlds with GXS Reno Club.

Enjoy exclusive benefits with GXS Bank, Grab and Singtel for your home needs, to give you more bang for your buck.

Get
1% OFF
your GXS FlexiLoan rate
Earn up to
3.38
%
p.a.
on your GXS Savings Account.

With GXS Reno Club, enjoy a renovation loan from just 1.88% p.a. (EIR 3.47% p.a.) and earn bonus 0.8% interest* on your savings!

*Capped at S$20,000 on overall GXS Savings Account balance. The maximum 3.38% p.a. interest you can earn is based on deposits placed in a 3-month Boost Pocket.

Up to
S$100 OFF
at Harvey Norman, Prism+ and 20+ retailers when you pay with Grab.

Click here for details and eligible retailers.

Enjoy 6 months of
AMAZON PRIME
on us with CAST.SG
(worth S$29.94).

3 easy steps to enjoy GXS Reno Club benefits

1

Download the GXS Bank app.

2

Sign up for a GXS FlexiLoan account.

See your personalised interest rate and credit limit upon approval.

3

Draw an Instalment Loan.

Draw an Instalment Loan of min. S$15,000, with a tenure of min. 12 months. Name your loan "RENOCLUB".

That's it! You will receive your GXS Reno Club benefits in an email within one month.

For the full list of prizes and promotion terms, click here.

A monthly lucky draw will be conducted for the months of April, May and June 2024.

Existing GXS FlexiLoan customers are eligible for the lucky draw 

(if step 2 is completed during the 3 months), and are not eligible for the S$50 Grab voucher.

Why GXS FlexiLoan?

Even lower rates

Enjoy 1% off your prevailing loan rate with GXS Reno Club. Get quick cash with a personal loan to help with your renovation and other home needs, from as low as 1.88% p.a (EIR 3.47% p.a.).

No fees.

We don’t charge processing, early repayment or late fees when you take an Instalment Loan on your GXS FlexiLoan account.
Late interest is chargeable upon late repayment.

Interest savings.

With an Instalment Loan, you get to save on interest when you repay your GXS FlexiLoan early. No fees to do so!

Always on standby.

Whether it's S$200 or S$10,000, draw multiple loans from your GXS FlexiLoan credit line whenever you need.

Do more
for the planet.

Our physical GXS FlexiCard is made of recycled materials, and the packaging is made of natural and sustainable materials.

Some tips for you!

1
Get more savings with 1% off your prevailing GXS FlexiLoan rate, in the form of cashback credited equally over 12 months. Simply repay your monthly instalments on schedule to receive your cashback every month!
2
Maximise the interest you can earn on your GXS Savings Account with a 3-month Boost Pocket. With 2.58% p.a. + 0.8% p.a. bonus interest (on up to S$20,000) with GXS Reno Club, that's 3.38% p.a. of interest you can earn in total!
3
Receive the Grab and Singtel perks above when you take a GXS FlexiLoan of only S$5,000 or more. Upsize your rewards with a GXS FlexiLoan of min. S$15,000, to enjoy lower loan rates AND earn more interest on your savings!

Got questions?

We got answers.

1. Who is eligible to take part in the GXS Reno Club campaign?

Both new and existing GXS Bank customers are eligible to take part in the GXS Reno Club campaign. All you have to do is:

  • Draw a GXS FlexiLoan instalment loan of at least S$15,000
  • Choose a loan tenure of at least 12 months
  • Name your loan “RENOCLUB”

Eligible customers will enjoy:

  • 1% off your prevailing GXS FlexiLoan interest rate
  • Up to 3.38% p.a. interest on your GXS Savings Account
  • $100 off when you pay with Grab at 20+ home, furniture and appliances merchants
  • 6 months of Amazon Prime subscription with Singtel cast.sg

Note: Benefits are capped to the first 1,000 eligible GXS Reno Club Customers every month.

For customers who do not meet the minimum S$15,000 loan amount, you may still enjoy the Grab and Singtel benefits only if you perform the following tasks:

  • Take a GXS FlexiLoan between S$5,000 and S$14,999
  • Choose a loan tenure of at least 6 months
  • Name your loan “RENOCLUB”

2. How will I know if I've become a GXS Reno Club customer?

For GXS Reno Club customers who join in April 2025, you will receive an email with details on your GXS Reno Club benefits by 9 May 2025. For customers who join in May 2025, you will receive the GXS Reno Club benefits email within 2 days.

3. How do I enjoy 1% off my GXS FlexiLoan rate?

The difference of total interest payable under your prevailing GXS FlexiLoan account interest rate and total interest payable with 1% p.a. off your prevailing interest rate will be credited back to you in the form of cashback, distributed equally across 12 months starting from your next billing month. This benefit will only be applicable to the first 12 months of your loan tenure.

For illustration: If you borrowed a GXS FlexiLoan of S$15,000 with a 12 month tenure at 5% p.a. (EIR 9.14% p.a.), your total interest payable will be S$750. After becoming a GXS Reno Club customer, your total interest payable will be S$600 instead at 4% p.a (EIR 7.33% p.a.). The difference of S$150 will be distributed equally across 12 months to you.

The cashback will be credited to your GXS Savings Account. Please ensure that you open your GXS Savings Account by the 15th of the month at the latest.

4. How can I enjoy my 0.8% p.a. bonus interest for my GXS Savings Account?

You will start earning the bonus interest on the first $20,000 of your balances automatically for 6 months in the following month after your drawdown.

For illustration: If you become a GXS Reno Club member in April 2025, you will start earning the bonus interest on the first $20,000 of your balances from May to October 2025. The first bonus interest will be credited to your Main Account in the month of June.

5. What exclusive Grab and Singtel rewards do I enjoy as part of the GXS Reno Club?

Upon becoming a GXS Reno Club member, you will be entitled to the following Grab and Singtel benefits–

  • $100 off when you pay with Grab, consisting of–
    1. 4 x S$20 off PayLater by Grab (online) promo codes with a minimum spend of $400 per transaction;
    2. 1 x S$20 off GrabPay (online) promo codes with a minimum spend of S$800 per transaction
  • Enjoy 6 months of Amazon Prime subscription on us with CAST.SG

You will receive your Grab and Singtel benefits in the following month after you have become an eligible GXS Reno Club member.

You will receive your GrabPay/PayLater promo codes via a push notification from Grab. They can also be found under “Add offers” when you check out at selected websites. Your Amazon Prime redemption link will be sent to you via an email from us.

If you are experiencing issues with your GrabPay/ PayLater by Grab vouchers, you may reach out to the GrabSupport team’s live chat agents via Live Chat via the Grab app > Account > Help Centre > "Chat now".

6. Where can I use my GrabPay/PayLater vouchers at?

You can use your Grab voucher at the following home, furniture, electronics and appliances merchants: Harvey Norman, PRISM+, Gain City, FortyTwo, Samsung, Dyson, Sterra, Kyson, HipVan, Omnidesk, Secretlab, Mega Discount Store, Lumos Projector, Loft Home Furniture, Steigen, Ninja Kitchen, Luxus, Raffles Paint, Audio House, Furnituremart.sg and IKEA (only GrabPay). Please check with Grab for more details.

Homegrown bank, backed by homegrown parents

GXS holds a bank license issued by the Monetary Authority of Singapore.

It is backed by a consortium consisting of Grab Holdings Inc., Southeast Asia’s leading super app and Singtel, Asia’s leading communications technology group.

GXS is a separate entity and is not associated with Grab Holdings, Singtel and their entities. The GXS Savings Account is provided by GXS.

GXS Reno Club benefits are applicable to the first "RENOCLUB" loan only, and capped at the first 1,000 eligible customers every month.

1% off GXS FlexiLoan prevailing rate: This will be given in the form of cashback distributedacross 12 months, and only with loan repayment as per repayment schedule.

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

GXS Bank is a separate entity and is not associated with the businesses of Grab Holdings, Singtel and their entities. The GXS Savings Account is provided by GXS Bank. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore.

For promotion terms and conditions, visit www.gxs.com.sg/renoclub-terms