You will be required to have an account that link to your child's CDA (POSB/OCBC/UOB) and they will update you once you get your cash gift, cash gift bonus plus, CDA a dollar to dollar match & CDA first step grant. You cannot use CDA at Mothercare or KP. CDA card can only be used at healthcare like clinic, hospitals inclusive educations. You can only withdraw cash gift and cash gift plus. You can read more through this website for registration/eligibility : https://www.babybonus.msf.gov.sg/Pages/Home.aspx Having said that, your cash gift & bonus plus will be given in breakdown. Hope this helps.