Being value investors, we constantly look out for great deals in Singapore that can help to reduce your expenditures or maximise your savings.
Previously in another post, AIA vitality was introduced to everyone.
AIA vitality plan is introduced by AIA in promoting healthy living.

AIA vitality: how to use this most efficiently?
As a user of AIA vitality, I have tried out a few different methods and found the most efficient way (so far) to use your AIA vitality.
How it works? (Updated 01.01.2018)
Anyone with AIA insurance plan can top up SGD$5 per month to purchase the plan. (So cheap! Why not?!)
What we need to do is to walk 10000 steps per day (minimum 5 days per week) to reach the individual target. (This earn you SGD$5 e-voucher per week). Iphone user can use apple health app to track the steps, andriod user can use Shealth app.
Also, we need to find 7 other AIA vitality users and form a team with them. If everyone in your team completes their target every week, you will get another SGD$5 e-voucher in the same week! (Maximum $10 e-voucher per week; $40 e-vouchers per month when you spent only $5 premium to buy this plan. *Note: To form team with people who will reach their target every week so as to maximise the chance of getting the second $5 e-voucher.)

AIA Vitality App reward
AIA Vitality e-vouchers
There are 3 different SGD$5 e-vouchers to choose from:
- Cold storage e-voucher
- Starbuck e-voucher
- Uber $5 credit
All the above e-vouchers valid for 2 weeks after completing your weekly targets.
My strategies:
Strategy 1: Redeem Cold Storage e-voucher
I always redeem the Cold storage $5 e-voucher as it contributes to my family’s weekly grocery fund.
Strategy 2: Get a passion card to earn points
On top redeem at Cold Storage, I get a Passion Card to credit the spending at Cold Storage into points. (The points can be converted to cashback during shopping).
Passion card can also be used to redeem points/get cashback at Guardian/Giant etc. The best part is: you can use it as your ezlink card! (you do not have to carry many cards for different purposes.
On top of that, being a member of the PA allows you to book their facilities/attend their classes at a cheaper rate.
Your investment is only SGD$12 for 5 years.
Strategy 3: Go to Capitaland Mall for Cold Storage
I go to Capitaland Mall with Cold Storage outlet. Why? Because there is this CapitaStar rewards for shopping within Capitaland Mall.
How:
- Download CapitaStar App and register a free account
- Shop at Capitaland Mall. (Minimum spending per receipt is SGD$20)
- Take picture of your receipt through CapitaStar in-app receipt submission function.
- Upload the receipt and wait for approval.
*To note: your receipt should be $20 or above to qualify for the CapitaStar points.

Maximise cashback while shopping in Singapore
Which Capitaland Mall has Cold Storage?(Updated as of 2017/06/04)
Bugis Junction
The Star Vista
Strategy 4: Get an AMEX CapitaCard to maximise the points earn
Recently found out this new way to maximise earning of points at Capitaland Mall. Since Capitaland Malls are everywhere, it make sense to get the card and maximise the earning of points together with the CapitaStar App. I have not try this card before, will update in the future once I tried this card.
For more information related to this AMEX card, please click here.

Maximise cashback while you shop at Capitaland malls (Photo adapted from CapitaStar website)
Strategy 5: Use 4 Cold Storage e-vouchers at one go
The last strategy that I am sharing with everyone on how to miminise spending at Cold Storage but earn the maximum cashback is to use 4 Cold Storage e-voucher at one go.
Your e-vouchers valid for 2 weeks after you and you team have achieved the weekly target on AIA vitality app. Therefore what I do is I accumulate the 2 vouchers from 1st week and spend all 4 e-vouchers when you earn the next 2 e-vouchers on the 2nd week. 4 e-vouchers give a total value of SGD$20, which meets the requirement for receipt scanning at for CapitaStar App. (And you don’t have to travel so frequently to Cold Storage and Capitaland Mall, save some time too.)
Taaa-daaa! This is how you can maximise the efficiency of your AIA vitality app too!
Hope this post has benefited you, happy managing your money!
~Angel~
~Updated by Chengkok on 4 Jan 2018~
For more questions and comments, please leave a message below or email us at journeywithmoney@gmail.com. In Journey with money, we want to empower individuals to retire early and avoid financial pitfalls such as this. Such a financial pitfall will delay retirement by at least a decade if not forever. If you already have done financial planning (singapore) or have a financial planner, that’s fantastic. You should be proud that you have taken the first step.
Hi, can I form
A team with you?
Hey. You can add me. My name in AIA Vitality is Oh Cheng Kok
Nice write up! Can I add you too in the team?
Sure!
Great article! I am new to the App and this is so useful!
Hi Oh Cheng Kok
Can I add you to my team?
Thanks!
Sure Karen. Please let me know your name so I can accept the right person
Yes you can.
Informative write up. Thanks. Can I add you to my team?
Hi, when we check out at Cold Storage, do we just scan the 4 $5 vouchers at the counter? Do they allow us to scan vouchers from different accounts?
Hi Sherlyn, yes you can scan vouchers from different accounts.
Just like to let you know there is no Cold Storage in Tampines Mall. Its in Tampines One, and Tampines One belongs to Asia Malls.
Hi Holly, thanks for the comment, I will update the post.
Found your page while looking up on the topic. I am much enlightened. May I also team up with you?
Hope that you understood AIA Vitality. Glad that this article helped you.
Thank you so much for sharing, much appreciated!
Very informative write up. Would like to ask can a AIA Vitality user be a member of multiple teams? Also will each member of the team earn the extra $5 if everyone in the team completes their weekly target?
Hi Tomakase, yes an AIA Vitality user can be a member of multiple teams. Yes. If you team completes the weekly target together with you, you will get the extra $5.
Hi , does that means if i have five teams, then i can have 5 x $5 voucher per week if all 5 teams complete the target?
anyone wanna join a team? can add me
Hi Shari, can I add you?
Hi, can I add you Joe?
Nope. U are only in charge of one team. So the maximum u get is $10/week
Can I add too?
Hi Cheng Kok, I’ve added you to my team if you don’t mind. Thank you for the article!
Hello Cheng Kok, AIA announced changes to the terms & conditions..
I am looking for team members for the AIA Weekly challenge. Anyone willing to join in the team?
Still looking for team?
Liauw Wei Sheng Javier
Hi, can i add you to my team?
Hey! I’m looking for team members too. Look for me – Alana Goh!
Hi, can i add u to my team?
Hi I’m looking for 3 more members. I used to have my team last year until they changed the requirement for the team to 8. Can i jin anyone?
Search for “Melly” 🙂 add me too!
Thanks – Found a few Melly! Just added all, see if you see my request.
Hi Melly, I’ve added you as friend, if you don’t mind.
Thank you!
Hi Melly, can i add you? Thanks.
i have a team of 4.. need 4 More regulars..Previously it was 4 a team.. did they changte recently?
You need 8 in a team from this year.
Hi Karen,
Can i add you? Thanks.
I need a team. Can clock target every week. Please add me. Chng Xian Yi
Hi, can i add u to my team?
Can you add me? My user name is LEE PEI SHAN. Thanks.
Hi have added you as a friend … if you don’t mind
Hi mind to add me into team too? My name is Chong Pei Sin & my husband Chan Pei Min
Hi Pei Sin, can i add you and your husband? i can clock target every week.
Thanks!
Hi, can i add u to my team?
Hi
I added some of the names i saw here. Please add me too. Thanks!
Davison Co
I added a few name here. You can add me as well. Thanks.
Yep Tze Ming
Add me to your team too, Gwee Jia Jin
Please add me, username:Lanzky
Hi, i just joined recently, can add me in the team? Thank you.
Xiang Wen Cindy Chong
add me too Tan Chun Hean Jeremy. added a few up there as well. impressive write out
Hello!
New here!
Do add me: NG SI YU JOEY
Please add me, sure hit weekly.
Yoong Yong
Hi kelvin, I added you as Friend. Hope u dun mind
Hello…
I just join the AIA vitality today. Sure can hit target. Please add me : Ng Sor Khim