SingSaver is a personal finance platform for finding the best credit card promotions in Singapore. Compare deals, promotions, and credit card benefits to make informed decisions and unlock additional rewards when you sign-up for a credit card through SingSaver!
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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No expiry air miles
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Airport lounge
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Travel rebate
check
Gift: Apple product
1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
12 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
12 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
12 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
12 May 2024
Best Deal Guarantee
The Morning Machine + 20 Capsules Bundle (worth S$684)
Valid until
12 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$420
Valid until
12 May 2024
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Things to consider for this product:
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No rebate cap
check
No monthly spend required
check
Annual Fee waiver
check
Installment
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
2 year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Standard Chartered credit cardmembers only
Be one of the first 500 eligible applicants of the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotions from SingSaver
Remaining applicants will receive regular SingSaver promotional reward
Lightning Deal promotion runs from 25 April 2024, 9:00 AM SGT to 12 May 2024
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
check
Travel rebate
check
No Annual Fee
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
check
No expiry air miles
check
Airport lounge
check
Travel rebate
check
Gift: Apple product
1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
12 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
12 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
12 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
12 May 2024
Best Deal Guarantee
The Morning Machine + 20 Capsules Bundle (worth S$684)
Valid until
12 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$420
Valid until
12 May 2024
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Things to consider for this product:
check
No rebate cap
check
No monthly spend required
check
Annual Fee waiver
check
Installment
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
2 year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Standard Chartered credit cardmembers only
Be one of the first 500 eligible applicants of the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotions from SingSaver
Remaining applicants will receive regular SingSaver promotional reward
Lightning Deal promotion runs from 25 April 2024, 9:00 AM SGT to 12 May 2024
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
check
Mobile contactless rebate
check
Online shopping rebate
check
Travel rebate
check
No Annual Fee
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
On Cruises spending only. Minimum spend of S$800 in same statement month, and capped at S$20 per category.
Cashback Overseas
0.2 %
info
Unlimited 0.2% cashback on all other spends.
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee
info
For all Principal and Supplementary cards.
Offer Available
Best Deal Guarantee
S$280 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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Online shopping rebate
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Supermarket rebate
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Annual Fee waiver
remove
Rebate cap applied
10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises.
Unlimited 0.2% cashback on all other spend.
Complimentary travel insurance of up to S$500,000 when you charge your travel fares to this card.
No annual fees for life + up to 4 supplementary cards with no annual fees.
Minimum spending of S$800 in the statement month to qualify for 10% cashback.
10% cashback is capped at S$100 per statement month per principal cardmember and up to S$20 per category. Earn 0.2% cashback on all spend when you exceed the cashback cap.
Best Deal Guarantee
Gift Options
S$280 cash via PayNow
Promotion is valid for new CIMB credit cardmembers only
Apply for select CIMB credit cards and make a min. spend of S$988 within 60 days from card approval date to be eligible for reward
S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee
info
Waived Perpetually
Offer Available
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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Things to consider for this product:
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Bonus air miles
check
Public transportation
check
Installment
check
No Annual Fee
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 14% discount at Esso and Shell petrol stations.
Cash rebates can be redeemed only in denominations of S$10, S$20 or S$50 via SMS.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Unlimited air miles
check
Airport lounge
check
Travel insurance
check
Bonus air miles
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$160
Valid until
12 May 2024
Welcome Offer
Up to 45,000 miles
Valid until
30 June 2024
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Things to consider for this product:
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Bonus air miles
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No expiry air miles
check
Airport lounge
check
Travel insurance
Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Up to S$160
Promotion is valid for new Standard Chartered credit card members only
Activate your Standard Chartered Journey Credit Card within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Promotion is stackable with welcome offers from Standard Chartered:
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.
Receive up to 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Click here to apply.
Promotion is valid for new Standard Chartered credit cardmembers only
Apply and get approved for the Standard Chartered Journey Credit card to be eligible for rewards
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.
Receive up to 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Click here to apply.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
Cashback Overseas
2.5 %
info
With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Fee Waived, Perpetual fee waiver for HSBC Advance banking customers.
2 Offers Available
Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Valid until
14 May 2024
Best Deal Guarantee
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
check
No monthly spend required
check
Travel insurance
check
Annual Fee waiver
remove
Rebate cap applied
Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
Get additional 1% cashback on your credit card spending with HSBC Everyday+ Rewards Programme.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Read our full review of the HSBC Advance Credit Card.
Cashback is capped at S$70 per calendar month.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
On dining transactions in SGD. Up to 10 360° Reward Points for overseas retail transactions.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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Things to consider for this product:
check
Overseas rebate
check
No monthly spend required
check
Travel insurance
remove
Rebate cap applied
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Citi Cash Back Card
Cashback Local
Up to 8 %
info
8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories
Cashback Overseas
6 %
info
8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
2 Offers Available
SingSaver Lightning Deal
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
02 May 2024
Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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Dining rebate
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Supermarket rebate
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High-value gift
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Rebate cap applied
6% cashback on dining and grocery spending (local & overseas).
8% cashback on petrol and private commute (local & overseas).
Up to 20.88% savings at Esso and Shell, inclusive of 8% cashback for petrol spending.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
Min. monthly spend of S$800 required to earn bonus cashback.
S$80 combined cashback cap across all categories.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
American Express Singapore Airlines Business Credit Card
Airmiles Flight Booking
Up to 8.5 HighFlyer points
info
On eligible Singapore Airlines Group flights.
Airmiles Travel
1.8 HighFlyer points
info
Per S$1
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 304.59
info
Non-waivable
2 Offers Available
Welcome Offer
68,000 HighFlyer points (worth S$647)
Valid until
29 May 2024
Welcome Offer
Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points
Valid until
29 May 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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Air ticket rebate
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Rebate cap applied
Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback.
Earn HighFlyer Points for your Business: earn 5 HighFlyer points per S$1 spent on flights, while your employees continue to earn KrisFlyer Miles.
Earn 1.8 HighFlyer Points per S$1 spent on all other eligible purchases, worth 1.8% cashback.
Accelerate to KrisFlyer Elite Gold (KFEG) with S$15,000 spend with Singapore Airlines Group in the first 12 months.
Complimentary night stay yearly and up to 50% dining discounts with Accor Plus across Asia Pacific worth $398 annually.
Priority Pass membership with 2 complimentary visits per year.
Welcome Offer
Gift Options
68,000 HighFlyer points (worth S$647)
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$6,000 within 90 days of card approval, and pay the annual fee (S$301.80 incl. GST) to be eligible for rewards
57,200 HighFlyer points awarded for S$6,000 min. spend within 90 days of card approval plus annual fee payment
10,800 HighFlyer points awarded from S$6,000 spend (based on 1.8 HighFlyer points per S$1 spend)
Promotion does not stack with other offers from American Express
Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$6,000 within 90 days of card approval, and pay the annual fee (S$301.80 incl. GST) to be eligible for rewards
Promotion does not stack with other offers from American Express
Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% cashback on all retail spend.
Petrol savings of up to 22.66% at Shell and SPC.
Greater savings with up to 7.8% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Airmiles Overseas
Up to 10 miles per dollar
info
Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
2 Offers Available
Welcome Offer
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Valid until
30 June 2024
Welcome Offer
Jo Malone Cologne 30ml (worth S$120)
Valid until
30 April 2024
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Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
remove
Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
Welcome Offer
Gift Options
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Promotion is valid for new UOB credit card members only
Be the first 150 applicants of the UOB Lady's Credit Card every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date to be eligible for rewards
Participating restaurants: Rêve, Cure, Art di Daniele Sperindio
Promotion is valid for new UOB deposits customers only
Be the first 150 applicants of the UOB Lady's Savings Account, deposit S$10,000 in fresh funds by 30 Apr 2024 and maintain the deposit until 31 May 2024 to be eligible for reward
On selected cashback category (local & overseas) and all Malaysian Ringgit spend. Monthly S$25 cap per category.
Cashback Overseas
8 %
info
On selected cashback category (local & overseas) and all Malaysian Ringgit spend. S$25 monthly cashback cap.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Three Years Waived
Things to consider for this product:
check
Local spending rebate
check
Annual Fee waiver
remove
Rebate cap applied
remove
Monthly spend required
Earn 8% cashback for 5 spend categories across 10 options.
Get 8% cashback on Malaysian Ringgit (MYR) spend.
Earn up to S$150 cashback every month.
8% cashback categories can be changes trimonthly or every 3 months.
0.3% cashback for AXS bill payments (capped at S$50).
Accelerated cashback earn rate categories can be changed annually.
3-year annual fee waiver.
No annual fee for supplementary card.
3 card designs to choose from upon application.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Monthly cashback falls to 0.3% for spends below S$800.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
KrisFlyer UOB Credit Card
Airmiles Travel
3 miles per dollar
info
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Airmiles Dining
3 miles per dollar
info
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Annual Fee waiver
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Monthly spend required
Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
No cap on KrisFlyer miles earned.
Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
Complimentary travel insurance of up to S$500,000.
No conversion fees.
More miles with every spend.
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
Periodic discounts on KrisFlyer Experiences
Exclusive privileges on Scoot, KrisShop, Grab and more.
Read our full review of the KrisFlyer UOB Credit Card.
Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.
Welcome Offer
Gift Options
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
Promotion is valid for new-to-UOB credit cardmembers only
Apply for the KrisFlyer UOB Credit Card and make a min. spend of S$2,000 within 60 days of card approval to be eligible for rewards
Maybank Manchester United Platinum Visa Credit Card
Annual Fee Waiver
2 years
Cashback Overseas
Up to 3 %
info
Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback Bonus cashback capped at S$20 per match day win.
First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum
Things to consider for this product:
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Local spending rebate
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No monthly spend required
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No rebate cap
check
Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback (capped at S$20) and 5X TREATS Points (2 miles per dollar) when Manchester United Wins a Premier League match.
No minimum spend and no cashback cap.
Stand a chance to win a trip for 2 to watch Manchester United live every football season.
Complimentary travle insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
American Express Platinum Card
Rewards Points Retail
Up to 20 points per dollar
info
On 10Xcelerator merchants with spending up to S$16,000.
Rewards Points Travel
5 points per dollar
info
With SIA and Scoot.
Airport Lounge Access
Unlimited
info
Participating lounges: - The Centurion® Lounge - International American Express Lounges - Delta SkyCLub® Lounges - Plaza Premium Airport Lounges - Priority PassTM Lounges
Annual Fee
S$ 1,744
2 Offers Available
Welcome Offer
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Valid until
30 April 2024
Welcome Offer
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Dining savings
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Airport lounge
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Annual Fee required
Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Welcome Offer
Gift Options
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Reward may be combined with AMEX Platinum Card 135,000 Membership Rewards® points promotion
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Promotion is valid for new and existing American Express credit cardmembers
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Receive 127,500 Membership Rewards® points upon fulfillment of reward criteria
Receive 7,500 Membership Rewards® points based on the S$6,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Dining rebate
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Supermarket rebate
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Petrol rebate
remove
Rebate cap applied
5% cash rebate on local dining and groceries (including food deliveries and online groceries).
Up to 17% instant discount plus 5% cash rebate on fuel spending at Caltex and Shell stations.
1X reward point per dollar spent.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Min. spending of S$600 per month, for all 3 months in a quarter, required to earn 5% cash rebate.
Cashback capped at S$250 per quarter.
Cash rebates are credited quarterly instead of monthly.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Cashback Overseas
Up to 3.33 %
info
Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 21.8
info
First Three Years Waived
Things to consider for this product:
check
Local spending rebate
check
Overseas rebate
check
Annual Fee waiver
remove
Rebate cap applied
Get up to 3.33% cash rebate on all your local and foreign currency spend.
Earn up to 3% p.a. with the Maybank Save Up Programme, with spends on this credit card being one of the categories.
Complimentary travel insurance coverage of up to S$500,000.
Quarterly service fee of S$20 (First 3 Years Free). Subsequently, quarterly service fee is waived when you charge to your Card once every 3 months.
No quarterly cashback if minimum monthly spend is below S$300 each month in a quarter.
Cashback cap: S$100 per quarter.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB PRVI Miles World MasterCard
Airmiles Local
1.4 miles per dollar
Airmiles Overseas
2.4 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 261.6
info
First Year Waived
2 Offers Available
Welcome Offer
30,000 miles plus first-year annual fee waiver
Valid until
30 April 2024
Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
Read our full review of the UOB PRVI Miles Credit Card.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Annual Fee
S$ 327
2 Offers Available
Welcome Offer
Get up to 60,000 Membership Rewards® points
Valid until
30 April 2024
Welcome Offer
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Dining savings
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Annual Fee required
Enjoy up to S$200 statement credits that can be used at trending restaurants or fashion brands.
Enjoy up to 50% savings at a curated selection of hotels and restaurants island-wide with Love Dining by Platinum.
Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
Earn 2 Membership Rewards® Points for every S$1.60 spent.
Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
Membership Rewards® Points never expire.
Permanent waiver of miles transfer fee (worth S$40).
Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Get up to 60,000 Membership Rewards® points
Promotion is valid for existing American Express credit cardmembers
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for reward
Receive 58,750 Membership Rewards® points from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
Receive S$400 eCapitaVoucher from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Airmiles Local
1.2 miles per dollar
Airmiles Overseas
2 miles per dollar
info
In June and December.
Minimum Annual Income
Conditional
info
Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Annual Fee
S$ 343.35
2 Offers Available
Welcome Offer
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Valid until
30 April 2024
Welcome Offer
Up to 34,000 KrisFlyer miles
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Annual Fee required
1.2 KrisFlyer miles for every S$1 spent on all eligible purchases.
2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month.
4 complimentary lounge passes each year.
Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier.
2 KrisFlyer miles per S$1 spent on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop, with no cap.
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$343.35 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Promotion is valid for new American Express cardmembers only
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive S$300 eCapitaVouchers and 10,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 bonus KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines credit card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
Promotion is valid for existing American Express credit cardmembers
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive 27,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines Credit Card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Base Rate
0.5 %
info
1x yuu Point per S$1
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
2 Offers Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
Welcome Offer
S$60 cashback
Valid until
31 May 2024
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Things to consider for this product:
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Supermarket rebate
check
Dining rebate
remove
Rebate cap applied
remove
Monthly spend required
Up to 36X Points on yuu participating merchants.
1X Point on all other spend.
S$1 spend = 1 yuu Point. No limit. No cap.
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Base Rate
0.5 %
info
1x yuu Point per S$1
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
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Things to consider for this product:
check
Supermarket rebate
check
Dining rebate
remove
Rebate cap applied
remove
Monthly spend required
Up to 36X Points on yuu participating merchants.
1X Point on all other spend.
S$1 spend = 1 yuu Point. No limit. No cap.
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
31 May 2024
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Things to consider for this product:
check
Bonus air miles
check
Local spending rebate
check
Overseas rebate
check
Airport lounge
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward
New DBS cardmembers will receive 85,000 miles
Existing DBS cardmembers will receive 40,000 miles
S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 163.5
info
First Year Waived
Things to consider for this product:
check
Online shopping rebate
check
Overseas rebate
check
Installment
remove
Rebate cap applied
5X DBS points (10 miles) for every S$5 spent on online purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
DBS points are awarded for every S$5 spent.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS Altitude Visa Signature Card
Airmiles Local
1.3 miles per dollar
Airmiles Overseas
2.2 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
2 Offers Available
Welcome Offer
Up to 53,000 miles
Valid until
31 May 2024
Welcome Offer
Up to 43,000 miles plus first-year annual fee waiver
Valid until
31 May 2024
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Things to consider for this product:
check
Bonus air miles
check
Airport lounge
check
No expiry air miles
check
Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 53,000 miles
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude Visa Signature Card with promo code ALTV53, make a min. spend of S$3,000 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for rewards
Receive 36,400 miles from S$3,000 min. spend within 60 days of card approval
Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST)
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 43,000 miles plus first-year annual fee waiver
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude Visa Signature Card with promo code ALTVW43 and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards
Receive 43,400/36,400 miles from S$3,000 min. spend within 60 days of card approval
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 50,000 miles plus first-year annual fee waiver
Valid until
31 May 2024
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Things to consider for this product:
check
Bonus air miles
check
Airport lounge
check
No expiry air miles
check
Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 60,000 miles
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude American Express/Visa Signature Card with promo code ALTA60, make a min. spend of S$3,000 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for rewards
Receive 43,400 miles from S$3,000 min. spend within 60 days of card approval
Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST)
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 50,000 miles plus first-year annual fee waiver
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude American Express Card with promo code ALTAW50 and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards
Receive 43,400 miles from S$3,000 min. spend within 60 days of card approval
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
check
Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
check
Unlimited air miles
check
Travel insurance
check
No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
DBS Live Fresh Student Card
Cashback Local Online Shopping
5 %
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On selected eco-friendly merchants Capped at $15 per month.
Cashback Contactless Spend
5 %
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On McDonald's, Starbucks, Netflix, Spotify etc. Capped at S$15 per month Additional 5% Green Cashback on selected eco-friendly merchants Capped at $15 per month.
Minimum Annual Income
None
Annual Fee
S$ 196.2
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First Five Years Waived
Things to consider for this product:
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Mobile contactless rebate
check
Local spending rebate
check
No income required
remove
Rebate cap applied
Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
0.3% Cashback on All Other Spend
5 Years Annual Fee Waiver
No minimum spend required
No minimum income required
Monthly credit limit of S$500
Monthly cashback cap of S$50
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 27 years old
Minimum Annual Income: None
OCBC 365 Credit Card
Cashback Petrol
6 %
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With minimum spending of $800 per calendar month. 3% cashback on EV charging spend at Charging stations (e.g. SP Digital, Greenlots, Virta Charging Stations and City Energy).
Cashback Dining
5 %
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Online food delivery, local and overseas dining with min. S$800 spend per calendar month.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
check
Petrol rebate
check
Dining rebate
check
Gift: Apple product
remove
Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card.
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC INFINITY Cashback Credit Card
Cashback Base Rate
1.6 %
info
On all spends
Monthly Spend Required
S$ 0
Min. Annual Income
S$ 30,000
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S$30,000 and above per annum (Singaporean & PR); S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 196.2
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First Year Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
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No rebate cap
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No monthly spend required
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Annual fee waiver
1.6% unlimited cashback on all eligible spending with no min. spend and no cap
Cashback automatically credited to cardholder's OCBC INFINITY Account
1 year annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
OCBC Rewards Credit Card
Airmiles Local Online Shopping
4 miles per dollar
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10X OCBC$ (equivalent to 4 air miles) per S$1 spent
Airmiles Retail
4 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
check
Retail rebate
check
Online shopping rebate
check
Gift: Apple product
check
No monthly spend required
Earn 15X OCBC$ (or 6 miles) for every S$1 spent at selected popular retailers (new selections every three months).
Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
Enjoy complimentary e-commerce protection on all your online purchases made with this card.
Get fast approval and use your digital card instantly when you apply via MyInfo.
Read our full review of the OCBC Titanium Rewards Credit Card.
15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
OCBC$ awarded in blocks of S$5 charged per transaction.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC 90°N Visa Card
Airmiles Overseas
2.1 miles per dollar
Airmiles Local
1.3 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
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Unlimited air miles
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No expiry air miles
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Bonus air miles
check
Gift: Apple product
Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
Flexibility of converting points to miles: 1 Travel$ = 1 mile.
No expiry on Travel$ earned, and no conversion fee.
Travel$ can be converted to 1.2% cashback.
Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
Read our full review of the OCBC 90°N Credit Card.
Travel$ awarded in blocks of S$5 charged to the card per transaction.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC 90°N Mastercard
Airmiles Overseas
2.1 miles per dollar
info
Get up to
Airmiles Local
1.3 miles per dollar
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
check
No expiry air miles
check
Unlimited air miles
check
Gift: Apple product
check
No monthly spend required
Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
Your Miles never expire.
No expiry on Travel$ earned, and no conversion fee.
Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
First-year annual fee waived.
Read our full review of the OCBC 90°N Credit Card.
Travel$ is awarded in blocks of S$5 charged to the card per transaction.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
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Gift Options
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See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
Types of Credit Card Promotions
Exploring credit card promotions reveals a variety of enticing offers, from welcome gifts to exclusive discounts. This overview delves into the diverse "Types of Credit Card Promotions," shedding light on strategies used by issuers to attract and reward cardholders.
Promotional Sign-Up Bonuses
Many credit card issuers in Singapore entice new applicants with attractive sign-up bonuses. These bonuses often include cash rewards, welcome gifts, or bonus points, making them an appealing incentive for individuals considering a new credit card.
Cashback Promotions
Credit card companies often run cashback promotions, offering users the chance to earn extra cash back on specific spending categories or at selected merchants. These offers provide a tangible benefit for cardholders looking to maximize savings.
Rewards Points and Miles Promotions
Periodic promotions may allow credit card users to earn bonus points or miles, enhancing their rewards accrual. These promotions often target specific spending categories or partnerships, providing users with additional value for their transactions.
Interest-Free Installment Plans
Some credit cards offer promotions allowing users to make purchases with interest-free installment plans. This can be especially attractive for big-ticket items, allowing cardholders to spread payments over several months without incurring interest charges.
Discounts and Exclusive Offers
Exclusive discounts and privileges at partner merchants are common promotional features offered by credit cards. These promotions provide cardholders with special perks, such as discounted rates, early access to sales, or exclusive events.
Welcome Gifts and Vouchers
Credit card promotions often include welcome gifts or vouchers upon card approval. These gifts can range from shopping vouchers and dining discounts to electronic gadgets, adding an extra layer of appeal for potential cardholders.
Travel Benefits and Promotions
Travel-centric credit cards frequently offer promotions related to travel benefits, such as complimentary travel insurance or bonus miles for specific bookings. These promotions cater to individuals seeking to maximize their rewards while traveling.
Seasonal and Holiday Promotions
During festive seasons or special holidays, credit card issuers may roll out seasonal promotions. These promotions could include increased cashback rates, exclusive holiday-themed rewards, or special partnerships with retailers.
Referral Programs
Referral programs encourage existing cardholders to refer friends and family. In return, both the referrer and the new cardholder may receive rewards, such as cash incentives, bonus points, or other promotional perks.
How Do I Redeem Credit Card Sign-up Rewards With Singsaver?
You can redeem a gift or reward when you sign up for a new credit card with SingSaver. To qualify, you must be a new-to-bank customer, apply for a new credit card, and meet the campaign or reward requirements. After selecting your desired credit card or sign-up reward, click the "Apply Now" button, fill out the necessary forms on both SingSaver and the bank's website, and fulfil the campaign requirements to receive your gift. Please allow 2 to 3 months for your reward to be processed.
How To Know If You Are Eligible To Receive a Singsaver Credit Card Promotion Reward?
To be eligible for your reward, you need to be:
A new customer to the bank
Apply for a new credit card via SingSaver
Meet the required campaign or reward criteria
Last but not least, you must fill out the rewards redemption form sent to your registered email address within the initial 14 days of applying for the card. This form will ask for your unique application reference number.
Read this guide if you’re not sure how to find this application number.
When Will I Receive My Rewards From a Credit Card Sign-up Promotion With Singsaver?
After meeting the qualifying requirements of the promotion, please allow up to 2-3 months before receiving an email on how to claim your reward. Successful applicants must ensure that the eligible card remains valid and in good standing (not cancelled or blocked) at the time of gift fulfilment.
Apart From Promotions, How Else Can You Get More Value Out Of Your Credit Card?
Choose the Right Card
Select a credit card that aligns with your spending habits and offers rewards or benefits that suit your lifestyle, whether it's cash back, travel rewards, or other perks.
Understand Rewards Programs
Familiarize yourself with your credit card's rewards program to maximize points or cash back. Pay attention to bonus categories and promotions to make the most of your spending.
Pay in Full and On Time
Avoid interest charges by paying your credit card balance in full and on time each month. This not only saves money but also contributes positively to your credit score.
Take Advantage of Sign-Up Bonuses
Many credit cards offer sign-up bonuses for new cardholders. Capitalize on these incentives by meeting the required spending threshold within the specified time frame.
Utilize Introductory Offers
Some credit cards provide introductory 0% APR periods for purchases or balance transfers. Take advantage of these offers to save on interest charges.
Monitor Your Spending
Keep track of your credit card spending to stay within your budget. Regularly review statements for any unauthorized charges or errors.
Redeem Rewards Strategically
When redeeming rewards, explore options that provide the best value. This could involve using points for travel, cash back, or other redemption options, depending on the card's features.
Consider Complementary Cards
Depending on your needs, consider having multiple cards to take advantage of various rewards programs and benefits. Just be mindful of fees and manage them wisely.
Utilize Cardholder Benefits
Familiarize yourself with the additional benefits offered by your credit card, such as travel insurance, purchase protection, or extended warranties. These perks can add significant value.
Negotiate Annual Fees
If your card has an annual fee, inquire about the possibility of a fee reduction or waiver, especially if you are a long-time and responsible cardholder.
What are the Most Common Types of Credit Cards in Singapore?
In Singapore, a variety of credit cards cater to different needs, offering benefits like cashback and travel perks. This overview highlights the most common types, helping consumers make informed choices based on their preferences.
Cashback Credit Cards
Cashback credit cards in Singapore offer users a straightforward way to earn a percentage of their spending back as cash rewards. These cards are popular for their simplicity, providing tangible returns on everyday purchases, from groceries to dining and more.
UOB One Card
Cashback Base Rate
0.03 %
info
No minimum spend required.
Cashback Overseas
0.03 %
info
No minimum spend required.
Cashback Local
10 %
info
Up to 10% cashback on eligible spend.
Offer Available
Welcome Offer
S$350 cash credit
Valid until
30 April 2024
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Things to consider for this product:
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Supermarket rebate
check
Grab/taxi rebate
remove
Monthly spend required
remove
Rebate cap applied
Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% cashback on all retail spend.
Petrol savings of up to 22.66% at Shell and SPC.
Greater savings with up to 7.8% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
Cashback Credit Cards are recommended for individuals who prioritize cashback benefits in their credit card usage. This card is especially attractive for those who have consistent and predictable spending patterns, as it offers tiered cashback rewards based on monthly spending.
Rewards credit cards allow users to accumulate points or miles for each transaction, offering a versatile range of redemption options. Whether it's shopping vouchers, merchandise, or travel perks, these cards provide flexibility and the opportunity to tailor rewards to individual preferences.
Citi Rewards Card
Rewards Points Baseline
1 point per dollar
Rewards Points Online Shopping
10 points per dollar
Rewards Points Local Spending
10 points per dollar
info
Shopping and Online Spend, including Food Delivery and Groceries
2 Offers Available
SingSaver Lightning Deal
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
02 May 2024
Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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Bonus air miles
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Travel insurance
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Annual Fee waiver
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High-value gift
10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Rewards credit cards are generally recommended for individuals who want to earn various perks, bonuses, or points for their everyday spending. Here are some key characteristics and considerations for individuals who might find rewards credit cards beneficial
Ideal for frequent travelers, miles credit cards accrue points that can be redeemed for airline miles and other travel-related benefits. These cards often come with additional perks like airport lounge access and travel insurance, enhancing the overall travel experience.
HSBC Revolution Credit Card
Airmiles Base Rate
0.4 miles per dollar
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On all other transactions.
Airmiles Flight Booking
4 miles per dollar
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On eligible online and contactless airline bookings.
Air Miles Conversion Fee
S$ 40
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Annual option. Excluding GST.
2 Offers Available
Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Valid until
14 May 2024
Best Deal Guarantee
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Travel rebate
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No Annual Fee
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Miles credit cards are typically recommended for individuals who frequently travel and want to earn airline miles or points for their spending. Here are some key characteristics and considerations for those who might find miles credit cards beneficial.
Tailored for globetrotters, travel credit cards provide a comprehensive suite of benefits, including air miles, hotel discounts, travel insurance, and exclusive access to airport lounges. These cards cater to individuals seeking to optimize their travel-related expenses.
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
Citi PremierMiles Card
Airport Lounge Access
2 visits per year*
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Priority Pass membership is on application basis and is reserved for the Principal cardmember only.
Airmiles Base Rate
1.2 miles per dollar
Complimentary Travel Insurance
Up to S$1,000,000
2 Offers Available
SingSaver Lightning Deal
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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No expiry air miles
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Airport lounge
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Travel rebate
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Gift: Apple product
1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Travel credit cards are recommended for individuals who frequently travel and want to enjoy a range of benefits and rewards beyond just earning miles such as airport lounge access and flight and hotel bookings.
Dining credit cards focus on rewarding users for their food and entertainment expenses. With perks such as cashback, discounts, or bonus points for dining out or attending events, these cards are a favorite among those who enjoy culinary experiences and entertainment.
OCBC 365 Credit Card
Cashback Dining
5 %
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Online food delivery, local and overseas dining with min. S$800 spend per calendar month.
Cashback Base Rate
0.25 %
Cashback Supermarket
3 %
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With minimum spending of $800 per calendar month.
Things to consider for this product:
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Petrol rebate
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Dining rebate
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Gift: Apple product
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Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card.
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
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Gift Options
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Terms & Conditions
Dining Credit Cards are Recommended For:
Dining credit cards are recommended for individuals who frequently dine out, whether at restaurants, cafes, or other food establishments. Here are key considerations for those who might find dining credit cards beneficial.
Petrol credit cards target motorists by offering rewards, cashback, or discounts on fuel purchases. These cards aim to ease the financial burden of rising fuel costs, making them popular among individuals who frequently use their vehicles.
DBS Esso Card
Fuel Savings
Up to 21.6 %
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18% discount at Esso + 3.6% cashback
Rewards Points Petrol
1 Smiles Point
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For every 1 Litre of Synergy fuel Get S$10/S$30 worth of Synergy fuel with 300/750 Smiles Points.
Offer Available
Welcome Offer
S$120 cash rebate
Valid until
31 July 2024
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Things to consider for this product:
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Petrol savings
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Annual Fee required
Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
Auto-enrolment into the Esso Smiles Driver Rewards programme.
Earn Smiles Points on all Esso fuel spend and card retail spend.
Get interest-free payment plans for motor insurance and road tax.
Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
Welcome Offer
Gift Options
S$120 cash rebate
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Esso Card and make a min. spend of S$180 on fuel per month for 2 months from date of card approval to be eligible for reward
Petrol credit cards are recommended for individuals who frequently use their vehicles for commuting or travel by offering specific benefits and rewards related to fuel expenses. Here are key considerations for those who might find petrol credit cards beneficial.
Shopping credit cards focus on rewarding users for retail expenditures, both online and in-store. With cashback, discounts, or rewards for purchases at various retailers, these cards appeal to avid shoppers looking to maximize savings.
Maybank Family & Friends Card
Cashback Retail
8 %
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8% on selected pet and retail merchants with min. monthly spend of S$800. S$25 monthly cashback cap per category.
Cashback Local Online Shopping
8 %
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8% on apparels, shoes, accessories, leather goods, luggage, and other fashion purchases globally with min. monthly spend of S$800. S$25 monthly cashback cap per category.
Cashback Overseas Online Shopping
8 %
Things to consider for this product:
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Local spending rebate
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Annual Fee waiver
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Rebate cap applied
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Monthly spend required
Earn 8% cashback for 5 spend categories across 10 options.
Get 8% cashback on Malaysian Ringgit (MYR) spend.
Earn up to S$150 cashback every month.
8% cashback categories can be changes trimonthly or every 3 months.
0.3% cashback for AXS bill payments (capped at S$50).
Accelerated cashback earn rate categories can be changed annually.
3-year annual fee waiver.
No annual fee for supplementary card.
3 card designs to choose from upon application.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Monthly cashback falls to 0.3% for spends below S$800.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
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Gift Options
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Terms & Conditions
Shopping Credit Cards are Recommended For:
Shopping credit cards are recommended for individuals who enjoy frequent shopping and want to maximize their rewards, discounts, or cashback on retail purchases. Here are key considerations for those who might find shopping credit cards beneficial.
This guide simplifies credit card terms, promoting financial literacy for responsible card use.
Credit Limit
The maximum amount of credit extended to a cardholder by the issuer. It represents the highest balance a cardholder can carry on their credit card.
Minimum Payment
The smallest amount a cardholder is required to pay each billing cycle to maintain the account in good standing. It is typically a percentage of the outstanding balance.
Interest Rate (APR)
Annual Percentage Rate (APR) is the cost of borrowing on the credit card expressed as an annual interest rate. It includes the interest and any applicable fees.
Grace Period
The period during which a cardholder can pay their credit card balance in full without incurring any interest charges. Typically, grace periods range from 21 to 25 days after the billing cycle ends.
Balance Transfer
The process of moving an existing credit card balance to another card, often with a lower interest rate. This can be used to consolidate debt or take advantage of promotional interest rates.
Cash Advance
A transaction where the cardholder withdraws cash from their credit card, either from an ATM or through a bank. Cash advances usually have higher interest rates and fees than regular purchases.
Annual Fee
A yearly fee charged by the credit card issuer for the privilege of having the credit card. Not all credit cards have annual fees.
Late Payment Fee
A fee charged when the cardholder fails to make the minimum payment by the due date.
Overdraft Fee
A fee charged when a cardholder exceeds their credit limit or available credit.
Credit Score
A numerical representation of an individual's creditworthiness, based on their credit history and financial behavior.
Statement Balance
The total amount owed on the credit card at the end of a billing cycle.
Billing Cycle
The period of time (usually a month) during which transactions are recorded, and a statement is generated.
Foreign Transaction Fee
A fee charged for transactions made in a foreign currency or processed by a foreign bank.
Credit Utilization Ratio
The ratio of the current credit card balance to the credit limit, expressed as a percentage. A lower ratio is generally considered favorable for credit scores.
Secured Credit Card
A credit card that requires a security deposit, usually used by individuals with limited or poor credit history to build or rebuild credit.
Frequently Asked Questions (FAQ)
Are there any drawbacks to signing up for too many credit cards?
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Signing up for too many credit cards can have drawbacks, including a potential negative impact on your credit score due to numerous hard inquiries and increased temptation to overspend with multiple credit limits. Managing payments, tracking due dates, and handling annual fees can become challenging, leading to late payments and financial stress.
Accumulating debt across various cards may result in higher interest payments, and having numerous cards can affect future loan approvals. Additionally, closing accounts to address these issues may negatively impact your credit score, necessitating careful consideration and strategic management when handling multiple credit cards. Responsible credit use and careful evaluation of card benefits are crucial to mitigating these potential drawbacks.
What credit card sign-up promotions are usually considered the best?
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The best credit card sign-up promotions typically feature substantial welcome bonuses, such as points, miles, or cash back. Some include perks like waived annual fees for the first year or introductory 0% APR periods.
It's worth noting that sign-up bonuses from platforms like SingSaver are often considered among the best, providing additional value. When assessing promotions, consider your spending habits and preferences to ensure the offer aligns with your financial goals.
How do credit cards work?
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Credit cards provide individuals with a predetermined line of credit for making purchases. Users can spend up to their approved limit and receive a monthly statement detailing transactions, total owed, and the minimum payment.
Timely payments are crucial to avoid interest on the remaining balance, impacting credit scores positively.
Rewards and benefits often accompany responsible card use, making it essential for users to understand terms and manage spending wisely.
Credit Cards vs Debit Cards
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Credit cards and debit cards are both payment cards, but they operate differently. A credit card allows users to borrow money up to a predetermined credit limit, and they must pay it back, potentially incurring interest if the full balance isn't paid by the due date.
Debit cards, on the other hand, are linked directly to the user's bank account, and purchases made with them withdraw funds immediately. Credit cards can help build credit history, offer rewards, and provide a grace period for payments, while debit cards provide direct access to one's own funds without the need to borrow.
Choosing between them depends on personal financial preferences and needs.
What credit card sign-up promotions are usually considered the best?
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There is no fixed definition of what the best sign-up promotion is – it depends entirely on the individual. Some people value cash rewards more, whereas others value high-value gifts like a Dyson Airwrap or an Apple iPad.