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17 Nov 2022

As the world’s most popular destination for international travelers, Singapore is always seeking opportunities to provide exciting attractions to tourists. With its dynamic lifestyle and diverse culture, Singapore is a great place to visit. However, this does not mean that you cannot get an architecture and interior design firm Singapore services. When looking for architectural and interior design firm services in Singapore, here are things you need to know.

What does an interior design firm do?

According to the preferences of a customer, a Singapore  interior design firm uses colors, lighting, textiles, and furniture to create the interior environment of a home or commercial facility. In general, trained interior designers and decorators are employed by interior design firms to collaborate closely with clients as a team. In order to create an environment that inspires a positive response, interior design firms gather suggestions from the customer as well as knowledge of interior design concepts.

Interior design companies blend a space’s general utility and safety with its psychological and aesthetic features. Any area of a house or business building that would provide a comfortable or pleasant environment by utilizing the existing structure might have a trained interior design agency apply a carefully considered design. Instead of attempting to design the interior of a home or business yourself, hire a qualified interior design firm to handle this element.

Contractors commonly hire an interior design business to manage the components located inside the walls of a building when building or renovating a home or store. This can include all the elements that are required for the space to be hospitable and functional, such as the walls, windows, flooring, lighting, and furniture. A qualified interior design company may evaluate the interior design needs of the house or building and envision the overall look and feel of the space in order to develop a strategy to achieve the goal.

​​Are architects and interior design in demand in Singapore?

In Singapore, the need for architects and construction workers will be high as a result of recent construction projects. New construction projects in Singapore, like the Terminal 4 building at Changi Airport and the impending 1,800-bed hospital in Woodlands, are driving up demand for architects and designers with relevant project management experience. 

Singapore’s interior design industry is expanding and becoming more well-known there. There is no denying that more and more young people are attempting to break into this lucrative industry as demand for interior designers increases.

New construction projects in Singapore, like the Terminal 4 building at Changi Airport and the impending 1,800-bed hospital in Woodlands, are driving up demand for architects and designers with relevant project management experience.

Benefits of hiring an architecture and interior design firms in Singapore

The interiors of your office buildings can be planned with the assistance of Singapore interior designers. They may provide you advice on the hues, design, and furniture that best suit your requirements. They frequently have the ability to include your branding in the design. 

Considering that interior design is an art form, consulting with a professional in the subject can be quite advantageous. They must be able to choose accessories, design, and furniture that go well together. With the help of interior designers, you can build a room that is both attractive and useful. They can coordinate your branding’s colors with the colors of your furniture. This will make the place look polished and expert. As a result, workers may feel honored to work in such an environment.

Interior designers are able to create an atmosphere that is comfortable and pleasant for employees. This will make workers more productive. It can also help retain staff because they enjoy coming to work.

How to choose the right architecture and interior design firms in Singapore

Budget of Your Home Renovation

You should have a list of questions ready to ask your house designer before hiring them. If you’re wondering how to hire an interior design firm in Singapore, You will receive guidance for hiring an interior designer as well as the renovation budget. Many reputable interior designers will be able to create spaces that fit within your budget, but they will let you know right away if your budget does not align with your objectives.

Payment Terms

Understand the payment terms of the contract before hiring an interior designer. Negotiate the payment schedule with your qualified interior designers in advance, making sure it matches your cash flow.


In everything, communication is always crucial. If the designer you are beginning to work with does not fully understand what you want in your design and how to keep it alive, it will be challenging.

Project Timeline 

You should ask yourself as well as your interior designer company Singapore about the project’s schedule. A Singapore interior design firm will want to adhere to a reasonable timeframe as much as possible, but there may be some unexpected complications and delays.

Their Past Projects

You should also find more about the personal style, design sensibilities, and professional history of your interior designer. The majority of interior design companies will naturally be happy to show you their website and online portfolio upon request.

Ask Warranties

Many interior design companies offer a warranty on their work. Some people might just pay attention to offering a warranty on the construction supplies. No matter the circumstance, make sure you understand the terms and circumstances that underpin these promises and ask questions about them. Before you sign the contract, it is more important to make sure that this information has been explained to you in the terms and conditions.

Signature Style

You need to be aware of their individual unique styles. You may save a ton of time by selecting the interior designer firm Singapore based on their design aesthetic. It is due to the sheer number of businesses and their disparate business models. Singaporean interior design companies frequently specialize in just one kind of design. You ought to look for a designer who emphasizes your personal taste. For instance, if you want a rustic design for your house, you should look for a designer who specializes in that style.

Project Schedule

You can also inquire about the best time to hire an interior designer when making your selection. Before you start a project, it’s a good idea to have a schedule in mind. You should discuss your project’s start and end dates with the interior designer to see whether your timeline and theirs are compatible.

How much are interior design fees in Singapore? 

Your interior designer will receive remuneration for the time and effort they put into planning and organizing the layout of your home in the form of a design fee. An agreed-upon fee, an hourly rate, a fixed rate, or a percentage of the project’s cost are all possible forms of compensation. Having said that, a company may be a red flag if they demand payment in cash, require a deposit greater than 20% to 30%, or ask you to make checks payable to a different party than the interior design firm you are hiring.

The floor space, labor, materials, and other ancillaries will all have an impact on the design costs. General design fees for either a HDB or a condominium would be in the region of $1,500 to $6,000. Before selecting to hire an interior designer, you could want to ask for a free consultation. This will allow you to evaluate their abilities. Depending on the provider, different Singapore home designs cost different amounts. The cost rises as the designers’ level of experience does.

Because there is a distinction between interior design and decorating, do your research before hiring a company by reading reviews and speaking with past clients. For certain projects, the following pricing range is common for interior design packages in Singapore:


Type of Housing Estimated Cost
3-room BTO SGD25,000 to SGD45,000
4-room BTO  SGD33,000 to SGD58,000
5-room BTO  SGD38,000 to SGD65,000
3-room resale  SGD30,000 to SGD65,000
4-room resale SGD38,000 to SGD73,000
5-room resale SGD50,000 to SGD82,000
Condominium (according to size) SGD40,000 to SGD120,000


Elpis Interior

We make use of 3D rendering and animation

Elpis Interior in 4A Pahang St, Singapore 198605 offers full service, providing complete interior design from concept to completion. We work with clients in any stages, and have provided services to private and commercial sectors. At Elpis Interior we’re all about helping you visualize your space before it’s built, saving you money and time. We make use of 3D rendering and animation to show you exactly how your space will look, before it’s even built. Get your real renovation plan with our animation and 3D visualization by contacting us here.

16 Nov 2022

Kitchens play a big part of our everyday life. In fact, the kitchen is arguably the most important room in the home. It’s where we prepare meals and eat, spend time with our family, and entertain guests. But no matter how much money you spend on your kitchen, it’s still one of the areas of your home that you might want to spruce up for the holidays. If your kitchen doesn’t reflect the style and aesthetic you want for the season, you can choose a different design for your new kitchen backsplash tiles to make the room look more festive.

If you are renovating your kitchen, it is very important to choose the right tile for the new room. You have a lot of options and choices to consider before you decide which types of tiles for kitchens. It is important to look at various tiles, before you finalize on the one you will be using.

Tile Designs and Formats

In addition to the standard tile kinds found in every home, why not consider some decorative possibilities as well? Here are some popular tile types right now on the market:

Terrazzo Tiles

This entertaining tile offers a dash of color to your house whether you use it as flooring or in your backsplash and countertops. Terrazzo tiles, which have received their fair share of attention, are similar to peranakan tiles in that they evoke fond recollections. Terrazzo is making a comeback with its use in retro-themed homes, like most trends are cyclical.

Peranakan Tiles

Peranakan tiles are a sight to behold because they are utilized specifically as decorative elements. These tiles’ extensive cultural background fills your house with a nostalgic vibe. Kitchen backsplashes and bathroom feature walls are two places where the mosaic-style design works very well. Furthermore, these tiles can be used to add some decorative flair to sidewalks, courtyards, and other spaces.

Subway Tiles 

One of the more popular types of tiles in the majority of Singaporean homes are definitely subway tiles. Subway tiles are frequently chosen for backsplashes and bathroom walls because of how simple they are to maintain. Additionally, you can arrange them in a variety of patterns and shapes to achieve the appearance you desire.

Kitkat Tiles 

The aesthetic look of Kitkat tiles is similar to that of the crisp, chocolate wafers. They resemble fingers because they are long and wafer-shaped. They are sometimes referred to as finger tiles or finger mosaic tiles for the same reason. You can tile your entire wall in a single color or use these types of tiles in solid colors and contrast them with paint and furnishings. Whatever the technique, it will undoubtedly create a fashionable statement in your house.

Mermaid Tiles

Mermaid tiles are a creative way to give your bathrooms and kitchens some 3D textures. These particular tiles have a resemblance to fish scales or mermaid tails, if you look closely. Your walls may acquire a scale-like texture from the tiles’ scalloped design, which will heighten their visual appeal.

Zellige Tiles

You don’t want to pass up these tiling options if you love cottagecore interior design. Due to its handcrafted nature, Zellige tiles each have their own distinct personality and design. To create a unified look, they come in a variety of colors and designs. However, because they are handmade, they can be rather pricey.

Picket Tiles

If you’ve ever wished you could live in a suburban home with a white picket fence, you are aware of how difficult it is to do so in an urban setting. Nevertheless, there are a few kinds of tiles that can replicate that atmosphere even in homes in cities. To achieve this effect in your kitchens and bathrooms, use picket tiles, so named because of their resemblance to picket fences.

What Types of Tiles Can Be Used at Home?

Homogeneous Tiles

You might be curious about the toughest bathroom tile options. Homogeneous tiles can be a blessing if the greatest bathroom floor tile is what you’re looking for! These sorts of tiles make it onto the list of bathroom essentials because they are strong, water-resistant, and slip-resistant as well. 

Additionally, these full-bodied tiles come in a variety of patterns and styles that complement any interior design theme. These kinds of tiles will undoubtedly serve you well in high usage areas like the kitchen and bathroom.

Marble Tiles

Interiors with marble are elegant and evocative of the opulent life, and they are a surefire method to draw attention. This material adds a posh feel to any space it fills, regardless of where it is placed. Such tiles are quite an extravagant investment because they tend to be expensive as well. 

However, the money you ultimately spend on procurement and installation may also be a wise investment in the future sale price of your house. Marble is a superior investment because it provides good returns compared to other kinds of tiles and materials. If you ever decide to sell your property, make sure to maintain it carefully so that it keeps its appeal.

Granite Tiles

One of the kitchen tile materials that is frequently utilized in most homes is granite. They enhance the space’s beautiful stone appearance without sacrificing its usefulness. They not only have a fantastic appearance, but they are also heat, stain, and water resistant. The attributes of these sorts of tiles increase the general toughness of your kitchen and bathroom.

Vinyl Tiles

Vinyl is one such kind of tile you should be aware of because it is known for being reasonable and cost-effective. Waterproof vinyl may be utilized practically anywhere in the house. You can also acquire a wood-grain effect for a fourth of the cost of wooden flooring because of the variety of patterns it comes in. 

Please be aware, though, that if these sorts of tiles are not certified, they face the risk of releasing pollutants into the air. To make sure that your home atmosphere is secure and free of toxins, you should purchase vinyl sheets that are Green Label certified.

Quartz Tiles

The most common form of floor tile used to imitate marble interiors is probably engineered quartz. This is also primarily because quartz is more affordable than marble tiles, making it a desirable choice. You can utilize different tile types, like quartz, on both your walls and your floors to boost the overall aesthetic quotient of your room. 

Consider utilizing quartz for your backsplash and countertop if you want hardy wall tiles that can endure wear and tear. Additionally, it can withstand heat, making it a fantastic option for kitchens.

Stone Tiles

Slate is a natural stone that, depending on where it is placed, can help give your interiors a cool touch. In fact, it goes beyond just their dependable exterior. These tiles have the potential to be very robust and scratch-resistant. Stone cladding is one of the wall tile options you should think about for your house. Slate can be used for your backsplash, flooring, or even bathroom wall accents.

Glass Tiles

Do you adore the aesthetic of rooms with jewel tones? If so, you shouldn’t forego doing any glass tile work. Although these kinds of tiles are frequently more expensive, they more than make up for it in terms of upkeep. Glass tiles and panels are simple to clean and maintain due to their glassy surface. 

In the event of damage, these kinds of tiles can be challenging to repair. In reality, glass is not advised as a flooring material if you’re seeking for long-lasting varieties of floor tile. If the tile pattern has non-slip qualities, it can still be used in the shower area.

Ceramic Tiles

Ceramic tiles are a good choice if you’re seeking for kitchen tiles with hypoallergenic qualities. These tiles are often glazed, which makes them resistant to dust and other allergens that may condense on them. Cleaning ceramic tiles is simple and only requires routine wiping. 

It should be noted that the size of the tiles may result in more grout joints being present. Because smaller tiles may have more grout joints than bigger tiles, there is a greater chance that debris will gather in the joints.

Wood Tiles

Given its susceptibility to water damage, wood may not be your first pick among the numerous bathroom tile options. But did you know that there are also waterproof wood tile options? Some hardwood planks may have water-resistant qualities depending on the type of wood used. This is especially helpful if you love using hardwood bathroom tiles. 

Kitchen floors should only ever be covered in wooden tile varieties. Avoid using wood on the walls of your kitchen or backsplash since it is less heat, scratch, and stain resistant than other materials. On your kitchen island or in dry areas, you can think about using a wooden surface as an alternative.

Different Types of Tiles and Their Prices

Different Types of Tiles Design  Estimated Price Per Sq. Ft.
Ceramic tiles SGD1 and above 
Homogeneous tiles SGD2 and above 
Slate tiles  SGD2 and above 
Marble tiles SGD5 and above 
Vinyl tiles/sheets SGD4 to SGD5 and above 
Wooden tiles (flooring) SGD30 and above 


Here are a few examples of the many tile varieties and their approximate costs from the market. Other materials’ costs, like those for glass, granite, quartz, and terrazzo, change depending on the tile’s size, thickness, and pattern. Most of these tiles have an average thickness of between 3 and 10 millimeters. 

The same, however, can differ for other tile varieties, like marble, glass, and mosaic, to mention a few. To learn more about these various tile varieties and receive price quotes, speak with a designer. Even better, they can estimate the cost of labor and any tiling work for you.

Elpis Interior

We make use of 3D rendering and animation

Elpis Interior in 4A Pahang St, Singapore 198605 offers full service, providing complete interior design from concept to completion. We work with clients in any stages, and have provided services to private and commercial sectors. At Elpis Interior we’re all about helping you visualize your space before it’s built, saving you money and time. We make use of 3D rendering and animation to show you exactly how your space will look, before it’s even built. Get your real renovation plan with our animation and 3D visualization by contacting us here.

15 Nov 2022

It is always important to consider the services provided by the best HDB renovation contractor for your home improvement project in Singapore. Whether you are renovating your kitchen, bathroom or living room, you can get your dream house with an excellent contractor. So, it is very important that you are looking for a good contractor who can provide the best services. There are some things that you should consider before hiring a good contractor for your home improvement project. In this article, we have compiled some of the factors that you should consider when choosing the best HDB renovation contractor in Singapore for your home improvement project.

How do I choose a renovation contractor in Singapore?

Here are some recommendations for selecting a trustworthy contractor in Singapore as well as some advice on how to avoid making certain selections.

Plan Your Budget

Without a budget in place in advance, the hiring process could leave you feeling disoriented. There will be a range of options from different contractors. You won’t be able to identify the ideal candidate for the job if you haven’t established a fair budget for your house. You can negotiate the entire project cost your contractor has told you by setting a budget.

Review Experience and Expertise

Clearly, nobody wants to invest time and money in a subpar business that can’t deliver exceptional results. Therefore, reviewing experience and competence to assess a contractor’s suitability for the job is the first step in choosing the best restoration contractor. To find out if they are certified and licensed to conduct home improvement projects, check these documents. Few businesses excel at promoting their services and making outstanding results promises, but they are unable to back it up.

In order to build your trust and offer you an understanding of their output, a reputable organization will gladly discuss their previous works with you, unless they are confidential. The reputation of the business would be a reliable basis for choosing them or not. A contractor is frequently regarded as an expert if they have at least 5 years of consistent experience in the field and can complete your restoration project within the allotted time limit.

Ask for Quotation

One of the most important elements to take into account when planning a home renovation is the budget for the project. While the cost may vary depending on the project’s intricacy, it is imperative to obtain a quote from potential contractors to determine the likely cost. Although it is possible to find products at low prices, this does not imply high quality. There are reputable remodeling businesses out there, but they can be out of your price range. Companies frequently charge differently, so your duty is to choose the one delivering the greatest service at an affordable price. 

Before choosing which company to engage, it is wise to examine the quotes from different contractors. To assure you’ll get the results you want, put off starting your home remodeling job until you identify a trustworthy renovation contractor in Singapore. Always set up a meeting with the businesses you’ve narrowed down to evaluate them in person.

Get Multiple Estimates

Get written quotes from at least three contractors after speaking with many of them. When you receive various estimates, make sure you’re comparing like with like. Examine the building materials, construction techniques, schedules, and other elements that may differ by contractor. Be wary of estimates that are excessively high or low.

Do not choose a contractor just based on price. The “low ball bid” isn’t always the best option and may result in subpar performance. To ensure that you are comparing the price for the same set of services, it is preferable to compare the actual bids. While working within your budget, a good contractor will also be realistic about the compromises that homeowners should and shouldn’t make. Poor workmanship can result in delays, which can increase costs by increasing the cost of moving during the renovation.

The money you save on the contractor charge will be outweighed by the expense of paying a mortgage and rent on the temporary residence. It is important to communicate effectively, and it is preferable to spend a bit extra time with the individual who makes you feel most satisfied about completing the task.

Detailed Contract & Set a Payment Schedule

Get a written contract that has been signed by both sides as soon as you have chosen the best contractor for the job. The contract should clearly and completely describe the project, including labor and material costs, payment schedule, start and completion dates, insurance proof, license information, and lien releases. As a result, homeowners won’t feel misled by contractors about extra or planned change costs throughout construction, allowing them to stay inside their budget and timeframe. Contractors to make sure they don’t alter the blueprints only to raise the price on a change order and offer full assistance during construction. The greatest method to establish a good connection and a successful renovation is to insist on a written contract.

Get Everything in Writing

Make sure you have a detailed contract before the work begins. Ensure that the contract is well-written and explicit, and that everything is documented in writing. Consider having a lawyer review the proposed contract for your protection before you sign it if the project will cost a lot of money.

All parties shall recognize any changes to the Agreement in writing. Request confirmation from the contractor that all necessary building permits have been secured. You must abide by the termination provision of a signed contract if you wish to cancel it. To guarantee you have documentation of the cancellation, written notice of the cancellation should be delivered via registered mail.

Hire Local, Licensed Contractors Whenever Possible

Local contractors are simpler to get in touch with if issues arise with the work in the future and are more likely to be knowledgeable about local building codes. Request the contractor’s actual address in your area. Be wary of anyone who knocks on doors or won’t leave a contract out overnight.

Renovation Permits

Before beginning construction, the majority of home improvement projects, if not all of them, need a permit. Never let a qualified contractor carry out unapproved work. In addition to breaking local laws, this could cost you money in the long term in the form of fines and more labor. If you ever decide to sell your house, unapproved work may also pose issues for you. A qualified contractor will ensure that your project has all required permissions.

Additionally, contractors must give homeowners documentation of their liability insurance and workers compensation information. During the construction phase, it is crucial to understand what is covered by the contractor’s insurance and what is covered by your home’s insurance. If the contractor doesn’t pay, getting copies of all material receipts and a lien release from suppliers and subcontractors will safeguard you.


What is HDB Registered renovation contractor?

For your remodeling projects, it’s crucial to engage with a licensed HDB renovation contractor who has a good track record. Selecting a HDB certified contractor gives you the assurance that the work will be completed properly and correctly. Remember that cheaper does not always equate to better in the long run before choosing your final contractor or interior design company.

A HDB-approved contractor must finish the HDB training program in order to obtain a license. Additionally, they must actively participate in refurbishment and have at least three years of expertise. Both the corporation and the contractor must have owned the business for at least a year and have an ACRA registration. Finally, there shouldn’t be any complaints about the contractor’s business.

HDB approved contractors are required to follow strict rules or face a transparent demerit system and fines. For example, if they replace floor tiles without permission, they may be fined SGD500 to SGD2,000 and receive three to twelve demerit points. If a contractor’s renovation registration is suspended due to serious infractions, it can be revoked.

How much does it cost to renovate 5-room HDB?

HDB flat type Expected median renovation cost in 2022
3-room flat SGD35,000 to SGD38,000
4-room flat SGD40,000 to SGD46,000
5-room flat SGD47,000 to SGD56,000


Homeowners may anticipate spending around SGD35,000 to SGD38,000 repairing a brand-new 3-room HDB flat, SGD40,000 to SGD46,000 for a 4-room HDB flat, and SGD47,000 to SGD56,000 on a 5-room HDB flat in 2022, according to median renovation cost data compiled from over 200 BTO flat projects finished in 2021. 

Except for 5-room units, 2021’s median prices show a minor to moderate decline in renovation spending on BTO flats compared to the past; this trend may be explained by new homeowners’ more frugal spending habits and a decline in purchasing power due to inflationary considerations.

How much does it cost to renovate a HDB flat?

To determine how much money you should set aside, you need a rough estimate. But because there are so many different factors, the question is difficult to answer. The final cost of refurbishment is determined by:

  • Type of home: 

Is it a HDB apartment, a condo, or a landed house? Existing fittings are there any that come with it already? 

  • Its age and state: 

For a brand-new BTO and a decades-old resale apartment, the amount and type of restoration work will be considerably different. 

  • How much work you want done: 

Are you generally content with the situation as it is, or do you want to start from scratch and design your ideal home? 

  • Material types: 

Expect to pay more if you like parquet flooring and countertops made of atas marble. 

  • The contractor/ID company you select: 

Naturally, prices vary between businesses.

Depending on all the aforementioned criteria, the cost of a 5 room renovation cost might range from $16, 950 – $139, 860. 

How long does it take to renovate a 5 room HDB? For BTOs, the refurbishment process can take anywhere from 8 to 10 weeks, and for resales, it can take 12 to 14 weeks.

Elpis Interior

We make use of 3D rendering and animation

Elpis Interior in 4A Pahang St, Singapore 198605 offers full service, providing complete interior design from concept to completion. We work with clients in any stages, and have provided services to private and commercial sectors. At Elpis Interior we’re all about helping you visualize your space before it’s built, saving you money and time. We make use of 3D rendering and animation to show you exactly how your space will look, before it’s even built. Get your real renovation plan with our animation and 3D visualization by contacting us here.

14 Nov 2022

The best credit card to get when starting a home renovation project. There’s no doubt that you’re going to want to make some major changes in your home. This includes renovations. Whether you’re trying to renovate your kitchen, bathroom, or any other room, you’re going to have to make a ton of money to pay for the materials and the labor that’s involved. When it comes to renovating your home, you can either choose a home renovation loan or choose a personal credit card. To help you decide which is the best credit card to get, we have taken a look at the best credit card for home renovation Singapore. So, let’s dive into this review!

What Are Credit Cards & How Do They Work?

Within a limit set by your balance, credit cards let you quickly borrow money. Using credit cards is really simple; all you have to do is swipe them or enter your card information. 

You can pay minor amounts using your credit card, such as an unpaid bill or groceries. The same applies to using your credit card for house improvements. furniture purchase? Charge card. contractors being paid? Charge card. purchasing more paint? Charge card. Even better, some of these credit cards let you accumulate miles and use them to pay for travel.

What Is the Best Credit Card in Singapore for Your Overall Spending?

Credit Card Minimum Annual Income Requirement Annual Fee Interest Rate Minimum Monthly Repayment Cashback


Late Payment fee
Standard Chartered Unlimited Cashback Credit Card SGD30,000 (Locals and PR)

SGD60,000 (Foreigners with employment pass)

SGD192.60 (waived for the first 2 years) 26.9% SGD50 or 1%, whichever is higher 1.5% on all spend with no cap SGD80
Citibank Rewards Credit Card SGD30,000 (Locals and PR)

SGD42,000 (Foreigners with employment pass)

SGD192.60 (waived for the first 2 years) 26.9% $50 or 1%, whichever is higher 10x Rewards for (4 Miles) on online shopping and purchases SGD100
American Express True Cashback Card SGD30,000 (Locals and PR)

SGD42,000 (Foreigners with employment pass)

SGD171 (waived for the first  year) 26.9% SGD50 or 3% whichever is higher 1.5% unlimited Cashback on all purchases SGD90
Citi PremierMiles Credit Card SGD$30,000 (Locals and PR)

SGD40,000 (Foreigners with employment pass)

SGD192.60 (waived for the first  year) 26.9% SGD50 or 1%, whichever is higher $1 = 2 Citi Miles

10,000 Bonus Miles on card anniversary

No Miles expiry

HSBC Visa Platinum Card SGD30,000 (Locals and PR)

$40,000 (Foreigners with employment pass)

SGD192.60 (waived for the first 2  years) 25.8% SGD50 or 3%, whichever is higher 5% rebate on groceries, dining, and fuel

Earn 1 reward point for every dollar spent



What Is A Renovation Loan?

Renovation loans are financial aid programs created especially for those who must repair their homes. 

The biggest benefit is that the interest rate is lower than it would be with other personal loans. That occurs because your financial provider is aware that you are a homeowner and that owning a home is an asset. This home improvement loan will raise the worth of your asset. A well-renovated house is simpler to resell or rent.

Differences Between Renovation Loans & Credit Cards

Factors to consider Renovation loan Credit card
Interest rates and fees – About 1-1.5%/ month interest rate

– 4% maximum late payment interest rate

– $60 maximum late payment fee

– Maximum 1% insurance fee

– Average of 25% for credit card APR per year

– 26-27% average interest rate on credit card advance

– 5-6% balance transfer

– 2-3% in servicing fee

Monthly installments About SGD600/ month to repay a SGD30,000 renovation loan About SGD700 to repay a SGD30,000 renovation loan plus any other charges
Tenure flexibility An average of five years tenure Your balance is due each month. If you repay at least the minimum sum, you can borrow within your credit card’s limit next month too.
Paperwork Minimal (proof of ID, residence, income, and contractor’s quotation) No paperwork
Home renovation procedures Restricted depending on the loan as the money is transferred into your contractor’s account More available choices because the money goes to you

Elpis Interior

We make use of 3D rendering and animation

Elpis Interior in 4A Pahang St, Singapore 198605 offers full service, providing complete interior design from concept to completion. We work with clients in any stages, and have provided services to private and commercial sectors. At Elpis Interior we’re all about helping you visualize your space before it’s built, saving you money and time. We make use of 3D rendering and animation to show you exactly how your space will look, before it’s even built. Get your real renovation plan with our animation and 3D visualization by contacting us here.