Does Singlife credit the $10 from referral code to Singlife account or your bank account? If I park $10k inside will it exceed with the $10 referral? haha?

It will be credited to your Singlife account which if you maxed it out - your account will be maxed out too.

To get the $10 referral code in SINGLIFE account — you need to apply and activate the singlife card!!! https://app.singlife.com/utM2k581H8

Your first 10k — 2.5% p.a
After that, 1% p.a