Helped my elderly parents with this every round. How it works: 1) each household gets a claim link (announced via SMS/news), you claim once via the redeemsg site with Singpass, no app install needed, works in a browser, 2) they're split between participating heartland merchants/hawkers AND supermarkets (the split is set each tranche), 3) to spend, you just show/scan the merchant's CDC QR code and enter the amount, the merchant doesn't touch your Singpass. For non-tech parents: claim it FOR them on your phone using their Singpass (with consent), then they can spend by scanning QR at the wet market, provision shop, or NTUC. Yes they expire, there's a use-by date each tranche, so spend before it lapses. Verify the current expiry date and merchant split on the official CDC/redeemsg site each round.