$0 Mobile Bill with Circles.Life Zerofy Rewards in Singapore

Tired of spending too much on mobile plans? Let’s be real – That sting of opening a mobile bill is all too familiar, especially when it’s higher than you expected.

Imagine this: you shop for your favorite brands like Taobao, Nike, or Sephora, and those purchases help reduce your mobile phone bill to zero. That’s exactly what Circles.Life Zerofy Rewards offers: a way to turn your everyday spending into credits that lower or even eliminate your monthly mobile bill in Singapore.

With Circles.Life’s Zerofy program, you're not just paying for data and talk-time; you're unlocking cashback-like benefits, known as “Cashin”, on your purchases. You click through the Zerofy portal in the Circles.Life app, shop with partner brands, and earn a percentage of your purchase back. This Cashin gets applied automatically to your bill, giving you real savings every month.

The best part? You could end up paying less—or even nothing at all—for your mobile bill.

What Is Circles.Life Zerofy Rewards?

Circles.Life Zerofy is a rewards initiative designed to help users cut down their mobile bills through shopping. Here’s how it works:

1. Shop via the Zerofy portal within the Circles.Life app.

2. Make qualifying purchases at partner merchants like Taobao, Nike, Sephora, and others.

3. Earn “Cashin”, a cashback-style reward that's credited back to your Circles.Life prepaid or postpaid bill.

4. The Cashin is automatically applied to your monthly bill so you may pay only a small remainder—or potentially, nothing at all.

Important highlights:

• Cashin rates vary by merchant and promotions. For instance:

  • Up to 10% Cashin with NTUC Fairprice purchases.

  • 7% Cashin available on Nike buys.

  • Around 5.5% Cashin when shopping at Sephora.

• Eligibility: Must be a postpaid Circles.Life user in Singapore, using the latest version of the mobile app. Certain plans, like Flexi or Family sub-accounts, may be excluded.

• How Cashin is tracked: You must begin your shopping session through the Zerofy portal, keep it in a continuous browser session, and comply with merchant-specific terms to ensure proper tracking and crediting.

• Bill offset mechanics: Once confirmed, Cashin is automatically applied to reduce your bill on the 27th of the month. If there's any unused amount, it will carry forward to future bills.

How Does Zerofy Work?

Getting started with Zerofy is quick and effortless. Once you’re on the Circles.Life app, you only need to follow a few simple steps to begin turning your daily shopping into bill savings:

Where Can You Shop to Earn Cashin?

Circles.Life Zerofy partners with a wide range of lifestyle, travel, fashion, and everyday essentials brands. This means you don’t have to go out of your way to save — just shop where you normally would, and your purchases start working toward slashing your bill.

Here are some of the top partner brands currently available on Zerofy:

Best SIM-only Mobile Plans to Save on Top Brands

Circles.Life offers a range of value-for-money mobile plans so you can double up on value: enjoy affordable data and calls while scoring extra perks for shopping, dining, and travel. Look out for lifestyle coupon deals on the Circles.Life app for popular brands.

Last updated: September 26, 2025

How Much Can You Save When You Shop Top Brands via the Circles.Life App?

One of the biggest perks of Zerofy is the real savings you can see each month. By starting your purchases from the Circles.Life app, you earn “Cashin” at varying rates depending on the partner brand. These credits are then automatically applied to your mobile bill, helping you cut costs significantly, and in some cases, even reduce your bill to zero.

Here’s a look at how much you could save with just a S$100 spend at different partner brands:

Pro Tip: You can combine multiple small purchases across brands to stack up even more Cashin in one billing cycle.

This simple but powerful setup means that whether you’re booking a hotel, grabbing groceries, or treating yourself to a new outfit, you’re also lowering your mobile bill at the same time.

Why Singaporeans Love Zerofy

Zerofy has quickly become a favorite among Circles.Life users because it blends convenience with real financial benefits. Instead of juggling multiple loyalty apps or credit card promos, everything is handled directly in the Circles.Life app. The result? A smoother, smarter way to save on something as essential as your mobile bill.

Here’s why many Singaporeans are turning to Zerofy:

• Cuts Down Essential Costs: Everyday spending on groceries, food delivery, or fashion translates into tangible savings on your mobile bill.

• Simpler Than Bank Cashback Apps: No confusing terms or extra steps. Just shop through the Zerofy tab and earn automatically.

• Perfect for Budget-Conscious Shoppers: Whether you’re a student, young professional, or family planner, Zerofy makes mobile plans more affordable.

• Works with Existing Promos: You can still combine Zerofy rewards with Circles.Life’s own discounts and seasonal promotions.

By reducing bills without changing shopping habits, Zerofy gives Singaporeans the kind of control over their expenses that feels both empowering and practical.