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Best Credit Cards for Weddings in Singapore

Ah, a wedding – an exciting event filled with mirth, joy, partying, and a whole lot of whatever else is required to make it the best day of your life. But did you know that your credit card can also play a big role in helping you plan your special day?Although there aren’t cards specifically dedicated to wedding expenses, you can take advantage of certain aspects of specific cards in order to get rewards. They also offer travel benefits that will come handy for your honeymoon, and instalment payment options that can help you pay your card bills in a more convenient way.

Standard Chartered Unlimited Cashback Credit Card

Card highlights:

  • Cashback of 1.5% on all spends (enhanced cashback of 5% till 31 December 2018)
  • No cap on how much cashback you can earn every month.
  • Exclusive dining and travel privileges.
  • 0% instalment payment plans (IPP) to help pay for large expenses.

This card gives you a cashback of 1.5% on every single transaction you pay for using it. Although the rate of cashback may not seem appealing to you, the fact that it offers unlimited cashback just might do the trick. That’s right, there is no cap on how much cashback you can accumulate every month. The more you spend, the more you get rewarded. It’s that simple. But wait. Even if it offers unlimited cashback, let’s look at an example for more clarity. Say you spend S$2,000 on a particular aspect (flower arrangements, for example). 1.5% on this comes up only to about S$30. Not very significant when you compare it with S$2,000, is it? So then how does it help you? Here’s the trick. Till 31 December 2018, you get to earn a 5% cashback on all eligible purchases made using this card, provided you spend at least S$500 within one month of the bank approving your card.

So now if you charge the floral arrangement expense of S$2,000 to this card, you will get a cashback of S$100. That’s a lot more than S$30, isn’t it? Statistics reveal that the average wedding in Singapore costs anywhere between S$30,000 to S$50,000. Now when you consider this and apply the cashback rate of 5% on say S$40,000 for your wedding, it can help you save S$2,000. Now, you can probably see how it can help you save money on your wedding. Simply use the card to pay for as many expenses as possible related to your special day and get cashback on every spend. What’s more, once the promotional rate of 5% stops being valid, you can continue getting the flat rate of 1.5%. So, you get to save on your wedding costs and continue enjoying the benefits as well.

You also get an assortment of dining offers at selected restaurants in Singapore where you can save money on treating your wedding party. The Fullerton Hotel Singapore and Fullerton Hotel Singapore offer discounts of up to 50% on selected buffets and their a la carte menu. This offer is best used when your dining party involves up to 8 diners. So if you’re looking to take your immediate family for a celebratory meal, you get to save up to 50% of the dining costs. Other participating restaurants offer 1-for-1 dishes and other discounts. Planning your honeymoon? Is it working out to be more expensive than you had initially thought? In such cases, using the Standard Chartered Unlimited Cashback Credit Card can help you save on hotel room rates. With discounts and complimentary services, this just might be what you need to make your honeymoon more fun and less expensive. A wedding will, of course, have a number of expenses that you may find hard to pay for in one go. That doesn’t mean you need to give up on what you want. Use the 0% IPP feature on this card to break down your larger expenses into smaller amounts which you can pay in instalments over periods of up to 36 months.

OCBC Cashflo Credit Card

Card highlights:

  • Split purchases automatically into instalments using 0% instalment plans.
  • Cash rebate of up to 1% on your monthly bills.
  • Exclusive hotel benefits.

A wedding usually means you’ll have several large expenses that you might find difficult to pay for all at once. The OCBC Cashflo Credit Card helps you by automatically splitting the purchases made on it into smaller monthly instalments. The best part? It charges you 0% interest.If you spend S$1,000, you can pay it over a period of 6 months. Purchases with values between S$100 to S$1,000 can be stretched over a period of 3 months.Don’t let large wedding spends scare you. Experience more financial freedom and flexibility by using this feature.

This credit card also gives you a cash rebate of 1% if your monthly spend on it is at least S$1,000 or more. Monthly bills totalling less than S$1,000 will get you a cash rebate of 0.5%. So you not only have the luxury of paying for your expenses in instalments at no extra charge, but you’re also being rewarded while doing so.You can also check out the various offers on online shopping and travel that are available, helping you save money when you travel after your wedding.

DBS Woman’s Card

Card highlights:

  • Up to 10 DBS Points for every S$5 spent on the card.
  • Offers and deals on beauty and wellness products and treatments.
  • Interest-free instalment plan with no processing fee charged.

The DBS Woman’s Card and the DBS Woman’s World Card are cards worth checking out. Designed specifically to meet the needs of the modern woman, they offer you up to 10 DBS Points for each S$5 when you use them to pay for online purchases. You also get 3 Points and 1 Point on overseas purchases and all other spends of S$5, respectively. Now how exactly does this help you? Let’s say you see a gorgeous wedding gown online and want to order it. Using the DBS Woman’s World Card to pay for it will help you earn 10 DBS Points for every 5 dollars you spend on it. For example, if your gown is going to cost you S$500, you get 1,000 DBS Points (10 x 500/5).

Adding more of such expenses to the card will get you enough Points that you can then redeem for other rewards such as S$50 Takashimaya Vouchers and more. You can also use them to offset online purchases with participating brands or convert them into miles to get discounts on flight tickets. In addition to these benefits, you also get discounts on beauty and wellness spends. Get discounted products, and complementary products and treatments from brands such as Aveda, Elizabeth Arden, and more. Also, make use of the available offers on fashion and get everything you need to look your fabulous best on your special day.

One of the best features of these cards is the 0% interest instalment payment feature. My Preferred Payment Plan (MP3) gives you the option of converting large payments into smaller instalments. You can pay these instalments over periods of up to 12 months. What’s more, till 31 December 2018, there is no processing fee for this facility either. No interest and no processing fee - experience financial flexibility at no extra cost.

UOB Visa Infinite Metal Card

Card highlights:

  • Up to 2 miles for every dollar spent on the card.
  • Free airport lounge access and other airport privileges.
  • A collection of luxury hotels and dining offers to choose from, with special rates and privileges.
  • Free travel insurance and travel guide.
  • Golfing privileges.

The UOB Visa Infinite Metal Card is a good option simply because it is filled with features that can be of great help when you’re getting married. Although the reward rate of 2 miles per dollar on overseas transactions and 1.4 miles for every S$1 spent in Singapore may seem normal, do keep in mind that air miles can help you get cheaper flight tickets. Since there is no limit to how many miles you can accumulate, charging all your wedding expenses to this card can help you earn a good number of them.

For example, let’s say your wedding is going to cost you about S$50,000. Applying the local miles rate of 1.4 miles per dollar, it gives you 70,000 miles. You can redeem these to get discounts on your flight fares, and if you have enough miles, you just might be able to get free tickets. What a great way to use your wedding expenses to get you discounted or free tickets for your honeymoon.Your honeymoon in many ways marks the beginning of your wedded life, and it’s important that it goes well. If you and your new spouse are travelling abroad, you can start your journey by checking into any of the airport lounges managed by DragonPass. You also get discounts when you dine at selected restaurants in the airport. Booking a hotel from the list of luxury hotels offered by this card can help you get the best rates, complimentary meals, room upgrades, and many more privileges. Just what you need on your honeymoon. Travel with more peace of mind courtesy of the free travel insurance that comes along with the card, with coverage of up to US$1 million. Also, you get information about the place you want to visit from some of the local guides there, helping you plan your special holiday better.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Card highlights:

  • Up to 3.2 KrisFlyer miles for each dollar you spend on the card.
  • Up to 43,000 KrisFlyer miles as a welcome bonus.
  • Complimentary lounge access and travel insurance.
  • Free night stays at Hilton Properties in the Asia Pacific region.

A card that makes you fly, literally. The American Express Singapore Airlines KrisFlyer Ascend Credit Card might be a mouthful for you to say, but it also is full of benefits, helping you plan your wedding travels well in advance. Charging your wedding expenses to this card can earn you 1.2 Krisflyer miles for every dollar you spend on specified transactions. Thinking of getting your gown from abroad? Then check and see if you are eligible for the 2 KrisFlyer miles per dollar that is applicable on overseas purchases during the months of June & December. Just like we did earlier, let’s look at another example to see how you can make your wedding expenses work in your favour. Say your estimated wedding cost is coming up S$50,000. Charging the whole amount to your card will give you 60,000 miles. This can get you round-trip Economy Advantage tickets for 2 people to Malaysia, Brunei, or Indonesia on Singapore Airlines or SilkAir. Voila, free tickets for you and your spouse, just like that.

If you plan on heading to Thailand or Cambodia, check this out. Applying for the card and fulfilling the required conditions gets you up to 43,000 miles as a welcome gift. Combining this with the 60,000 miles from your wedding costs gives you more than 100,000 KrisFlyer miles - enough for 2 Economy Advantage return tickets on Singapore Airlines or SilkAir. The card also features free access to airport lounges so that you and your partner can unwind and relax before you fly. The free travel insurance helps to calm your nerves and gives you the peace of mind to travel overseas knowing that you’re financially covered for damages and untoward incidents. If you’re planning to stay at any of the Hilton properties in the Asia Pacific region, use this card and get an extra night’s stay free when you book for at least 5 nights. Cheers to a great honeymoon. Credit cards are a great way to pay for your wedding expenses. Why spend using any other mode of payment when you get rewarded for using your card? You can make use of the various privileges related to shopping/making arrangements for your wedding essentials, making honeymoon travel plans, airport facilities, and more, to make your wedding purchases and honeymoon that much more exciting. However, keep in mind that choosing the right card is important. Check out the various cards on offer and see which one’s features suit you the best.

Note: The cards listed above have been used to illustrate how one can save on their wedding expenses in Singapore. They have been chosen without any inclination towards particular cards and are not to be considered as being best under this category.

How Can a Credit Card Help You Though?

Weddings in Singapore are not necessarily cheap, especially if you want an elaborate one. Well, considering that you’re marrying the love of your life, it definitely is worth it. But we’re here to tell you that you can get more. How? By using your card to pay for the expenses. This is where you get the chance to make the most of what cards in Singapore give you. Most of them give you rewards when you use them to pay for expenses. Considering the fact that your wedding may cost you a considerable sum of money, why not use these expenses to squeeze the most out of what your card offers? Let’s take a look at some of them and see how you can save on your wedding costs or get related benefits.

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