Let's set aside an extra dollar for the 20 SMS messages that I might send out a month. Incoming SMS messages are free and you can still send them by paying 5 cents for every SMS. The best thing about Singtel's SIM only-plans is that you are not forced to take up any SMS bundles. You then have the option to add SMS, talktime and additional data to suit your needs. Prices start at $20 per month for a basic 3GB mobile data package.
Singtel's SIM-only plans are highly customisable and are my personal favourite. If you are buying an Apple product at its online store worth more than $500, there is a no-interest 12-month instalment plan if you pay with your Citibank credit card.įor non-Apple phones, some telcos have existing arrangements with banks such as Citibank, UOB and DBS to offer a similar 12-month instalment payment programme with zero interest. The good news is that instalment payments are readily available. Some might argue that they cannot afford the upfront $900 or $1,000 for premium handsets. These savings are almost enough to buy your next newfangled handset of choice. If your current monthly bill is about $80, you will save $40 every month or $960 over two years if you switch to a SIM-only plan.
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There are plenty of amazingly affordable Android phones from brands such as Xiaomi, Oppo, Huawei and Lenovo going for $250 to $500, so you don't really need to pay $1,000 for a phone when you can get a good-enough counterpart for less than half that price.Įven if you must have the next iPhone, going SIM-only still makes financial sense. But this doesn't mean that new smartphone you've been eyeing is now out of reach.
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