Singapore Airlines Have Changed The Policy on 9th April and The Eligibility for Refund https://www.singaporeair.com/en_UK/sg/travel-info/precaution…
"2. Option to choose between Flight Credits or Refunds
i. Save for the tickets in paragraph 2(v), the passenger named on an Eligible Ticket may choose one of the following options, subject to the terms and conditions of this Policy:
a.Cancel the original flight itinerary on his ticket and retain the Unused Value of the ticket as Flight Credits.
b.Obtain a refund of the Unused Value of his ticket."
This is great News, no need for flight credit just a straight Refund.
It pays to hangin there and wait ……..