What's New in July: Too Good to Miss

Kickstart your July with some serious savings. This month, Zerofy has stacked the calendar with upsized cashback and hot brand launches, the kind you don't want to scroll past.

If you're new here: Zerofy is Circles.Life's built-in cashback layer, sitting quietly behind your everyday spending and quietly reimbursing you for shopping the way you already do. No separate app to manage, no points to decode, just cashback that lands in your wallet and “Zerofies” your telco bill like clockwork every month. This edition is your curated look at what's live, what's coming, and how to make every dollar work harder in July.

Pro tip: Upsized cashback offers can drop with little notice, so check the Zerofy page daily to catch surprise boosts before they're gone.

7.7 is over, but don’t miss the upcoming 7.15 deals! This time, we are celebrating Singaporean homegrown / retail brands in light of the Singapore Retail Festival (formally GSS)! Check out the full list of upsized cashback here:

Rates are updated along the month and are correct at time of writing and subject to change without prior notice. Always check the Circles.Life Zerofy page for the latest T&Cs before you shop.

Whether you're booking a weekend activity through Pelago, catching a new movie at Golden village , or refreshing your wardrobe at Uniqlo or Love, Bonito, this is the week to time your purchase. Here's a closer look at why each one is worth planning around:

Pelago by Singapore Airlines (Up to 22% cashback) If you've had a staycation, day tour, or activity pass sitting in your cart, this three-day window is the moment to check out. Pelago's catalogue spans everything from theme park tickets to guided experiences across the region, and a 22% cashback rate is well above what the platform typically offers, making it one of the strongest travel-adjacent deals on Zerofy this year.

Uniqlo (5–17 July, 7% cashback) The longest window of all the promotions, giving you nearly two weeks to shop new seasonal drops, restock wardrobe basics, or pick up LifeWear essentials without the pressure of a same-day deadline. It's also a good pairing with any Uniqlo promotions or markdowns running in-store during the same period, since Zerofy cashback typically stacks on top of the ticketed price.

Hot Trends & News: What Everyone's Clicking On

Staying ahead of the trends is half the battle when it comes to squeezing out maximum value. Here are two stories worth your attention this month.

1. The Singapore Retail Festival (formerly GSS) Returns

The Great Singapore Sale has rebranded as the Singapore Retail Festival (SRF), running 4 – 21 July 2026 at Ngee Ann City Civic Plaza, with free admission and three themed weekends: Pets & Pawrents, TCG & Gaming, and Lifestyle & Wellness. Confirmed retailers include Goldheart Jewelry, G2000, PRISM+, and IRVINS, each with their own festival-exclusive offers.

The real win, though, is in the stacking strategy: layer the in-store SRF markdown, your retailer membership perks, and then check out through Zerofy for cashback on top, with select merchants offering as much as 27% during the festival window. Pay with the Zerofy Cashback Card for a further flat 1% instantly credited to your wallet.

Read the full Singapore Retail Festival strategy guide

2. Foodpanda x Sheng Siong: Grocery Delivery Gets a Cashback Boost

Foodpanda has partnered with Sheng Siong for on-demand grocery delivery across 43 outlets, backed by a S$280,000 cash giveaway (S$10,000 given away daily, running through 19 July) and discounts of up to 40% on selected products.

Zerofy members can stack even more on top: foodpanda cashback jumps from its usual ~2.1% up to 7.7% on Zerofy from 2 – 9 July, timed with the platform's "7.7 Double Digit Sale." Add the Zerofy Cashback Card's flat 1% instant cashback, and your weekly grocery run just became a genuine triple-stack of savings.

Read the full Foodpanda x Sheng Siong breakdown

Why These Two Stories Matter Beyond July

Both trends point to a bigger shift worth paying attention to: retailers and platforms are increasingly running short, high-value promotional windows rather than long, shallow discount periods. That's good news for Zerofy members, because it's precisely these short windows where upsized cashback tends to appear, the platform-level deal and the Zerofy boost are often timed to run together, since merchants are trying to drive volume during the same period.

The practical takeaway: keep half an eye on retail calendar events (festival sales, brand anniversaries, platform-wide promo days like "7.7" or "9.9") even outside of what's flagged in this newsletter. These dates are a reliable signal that cashback rates are more likely to spike.

How to Make the Most of Zerofy

New to Zerofy, or want a refresher on how the rewards actually work? Here's the breakdown:

• Qualifying spend: SGD 2+ per transaction.

• Card top-ups are excluded: It does not count towards qualifying spend.

• Payout timing: rewards land in your Zerofy wallet on the 25th of each month.

• Streaks: miss a month, and your streak resets back to Month 1 - so consistency pays.

Your 3-Step Stacking Playbook

1. Grab the base discount, the storefront or event-level markdown (e.g. SRF, Sheng Siong's launch pricing).

2. Layer on membership perks where applicable (loyalty cards, app-exclusive vouchers).

3. Check out through Zerofy, and pay with the Zerofy Cashback Card for an additional flat 1% on top.

Note: Zerofy is available exclusively to Circles.Life subscribers. Circles.Life reserves the right to vary or amend any terms and conditions or benefits entitlements without prior notice.

Ready to start stacking? Open the Circles.Life app, head to the Zerofy tab, and see what's live today, new upsized offers can appear at any time this month.

Information is subject to change without prior notice. Please check the Circles.Life website for the latest updates and full Terms & Conditions.