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    Best Credit Cards

    Singapore may be a small island, but we love spending and going cashless, and one of our favourite ways of spending is through credit cards. An average Singapore is likely to own at least 4 credit cards. But do we all know how to distinguish between the various kinds of credit cards available in the market? Here are some types of credit cards you will find in Singapore:

    • Cashback credit cards
    • Air miles or travel credit cards
    • Rewards credit cards
    • Dining credit cards
    • Shopping credit cards
    • Entertainment credit cards
    • Grocery credit cards
    • Fuel credit cards
    • Lifestyle credit cards
    • Student credit cards
    • Business credit cards
    • Utilities credit cards
    • Insurance credit cards
    • Golf credit cards

    You also have to look at several parameters such as interest rates, promotional offers, joining benefits, rate of rewards/miles/cashback, etc. before you finalise which credit card to apply for. It is important that cardholders are made aware of the best credit cards available in 2017. Listed below are some of the best credit cards available under various categories such as:

    Best Cashback Credit Card Singapore:

    Cashback credit cards are the cards that give you cash rebates or money back on purchases. While some cards give cashback on selected categories, some cards allow you a small percentage of cash rebate on all transactions. There will also be regular cashback promotions that make the cards attractive to own. Some of the Best Cashback Credit Card's are:

    American Express True Cashback Card:

    The American Express True Cashback card gives you 1.5% cashback on all kinds of purchases. There is no minimum spending restrictions to earn the cashback and no limit on how much cashback you can earn. Joining benefits of this card include a 3% cashback for the first 6 months for expenditure of up to S$5,000. You also get awesome discounts on purchase with certain merchants through the True Cashback Deals programme. Other discount programmes from American Express such as American Express Selects – which gives you discounts and exclusive deals on dining, travel, fuel, shopping and entertainment purchases – is also available to you. The annual fee for the first year is waived.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$171.20 (primary card)

    S$85.60 (supplementary card)

    24.99% p.a. 5% of withdrawn amount 25 days

    Citibank Cash Back Card

    This is one of the best cashback credit cards in Singapore that gives 8% cashback on groceries, dining, petrol purchases and Grab taxi rides. Petrol purchases at Esso and Shell will give you up to 20.88% discount. Grab taxi rides up to 6th July, 2017, are also eligible for 20% cashback. All other retail spends will earn you 0.25% cashback. You can also access Citibank privilege programmes such as Citibank Gourmet Pleasures (dining discounts), Citi Rebate (shopping and department store discounts), Citi World Privileges (global dining, shopping and travel discounts), and free travel insurance of up to S$1 million. Promotional offers running on this card currently include 7 free Grab taxi rides and a cashback of S$120 on all approved Citi Cash Back card applications.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    26% p.a. 6% of the withdrawn amount or S$15, whichever is greater 25 days

    OCBC 365 Credit Card

    This card by OCBC promises cashback on your regular-use categories ensuring huge savings. The card gives you 6% cashback on weekend dining in Singapore, 3% cashback on local weekday dining and overseas dining, 6% on Caltex fuel purchases, 5% on petrol from any other fuel station, 3% on all online transactions including movie tickets, shopping and travel, 3% on supermarket buys, 3% on bills of SingTel, StarHub and M1, 3% on medical bills for Child Development Account trustees, and 0.3% cashback on all other purchases made through your OCBC 365 Card. To get these rebates, you need to spend at least S$600 in a month and you cannot earn more than S$80 as cashback in a month. You’re also eligible for free travel insurance of up to S$200,000, Visa Signature Concierge Services, and other Visa travel and dining privileges. You don’t have to pay annual fee for the first two years.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    25.92% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 23 days

    Standard Chartered Unlimited Cashback Card:

    This card offers very similar benefits as the American Express True Cashback Card. You get 1.5% cashback on all transactions, without needing you to make any minimum spending. There is no restriction on the cashback that can be earned. Until 30th June, 2017, Standard Chartered is also offering a 3% cashback on foreign currency expenses. The standard chartered unlimited cashback card allows you to enjoy discounts and deals in travel, dining, shopping, wellness, online and lifestyle services, through The Good Life programme. You can also make payments through Apple Pay, Android Pay, Samsung Pay and in contactless modes. New card applicants can select one of the following joining gifts – cashback of S$138, Caltex StarCash Card worth S$150 and Uber credits worth S$150. The annual fee is waived for the first two years.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period
    S$192.60 (primary card) 25.9% p.a. S$15 or 6% of the withdrawn amount, whichever is greater Applicable only if you pay the bill amount in full

    Other Top Cashback Credit Cards:

    Some of the other cashback credit cards offered by banks in Singapore include the following:

    • HSBC Visa Platinum Credit Card
    • Standard Chartered Manhattan World MasterCard
    • UOB One Card
    • Citibank SMRT Credit Card
    • OCBC Frank Credit Card
    • DBS Black Visa Credit Card
    • Maybank Family and Friends Credit Card
    • Standard Chartered SingPost Platinum Visa Credit Card
    • UOB YOLO Card
    • Citibank M1 Platinum Visa Credit Card
    • OCBC NTUC Plus! Visa Credit Card
    • POSB Everyday Credit Card

    Rewards Credit Cards:

    Reward credit cards give you reward points or loyalty points as an incentive for making purchases through the card. These points can be exchanged for discount vouchers, products and deals, or air miles. Rewards cards are one of the most prevalent kinds of credit cards, and almost all banks in Singapore offer more than one rewards credit card. The best rewards cards in Singapore also offer bonus points, high-rewarding categories and special perks. Here are some of the best credit cards in Singapore that offer high reward points:

    Citibank Rewards Card

    This card gives you 20 points or Citi Dollars per S$1 spent at Amazon and 20 points plus 15% discount from Saturday to Monday when shopping on Lazada.sg (until 30th June, 2017). Purchases from department stores and shopping for bags, clothes and shoes at online or retail outlets both in Singapore and outside will earn you 10 points per S$1 spent. All other transactions are eligible for 1 Citi Dollar for every S$1 spent. You can earn a maximum of 20,000 points statement cycle. The points are valid for 5 years and can be redeemed against Citi Thank You Rewards. You also get dining discounts through Citibank Gourmet Pleasures, up to 14% off petrol bought at Shell and Esso, up to 10% discount at outlets under the Citi Rebate programme and free travel insurance of up to S$1 million. You don’t have to pay annual fees for the first year for Citibank Rewards card.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    26% p.a. 6% of the withdrawn amount or S$15, whichever is greater 25 days

    HSBC Revolution Credit Card

    The Revolution Card gives you 5 Rewards Points per S$1 spent on online expenses, entertainment, and dining in Singapore. The reward-eligible online transactions include online shopping, tickets for flights, movies, events, etc., insurance premium payments, reservations of hotel rooms, taxi, etc. and food orders. There is no maximum point-earning limit and you can get points even if you spend just S$1. You can make payments through Apple Pay or Visa payWave. This card also gives you discounts and deals on dining, online shopping, travel, health, lifestyle, entertainment, beauty and wellness through HSBC Vacations and other promotional offers. The annual fee for this card is waived for the first two years.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$160.50 (primary card)

    Supplementary cards are free

    25% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 20 days

    HSBC Advance Visa Platinum Card

    The HSBC Advance Visa Platinum card gives 10 rewards points in the same categories as the HSBC Revolution Card. This makes it similar to the Citi Rewards Card. The points for both Advance Visa Platinum and Revolution cards are valid for 3 years. Other promotional offers and special privileges are quite the same as those available in the HSBC Revolution Credit Card. There is a permanent waiver of annual fees for both primary and supplementary Advance Visa Platinum cards.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period
    Permanently waived 25% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 20 days

    American Express Platinum Credit Card

    This is a premium rewards card from American Express that gives 2 Membership Points for every S$1.60 spent using the card – without any category limitations. You can also get 10 points on transactions made at Platinum Extra Partners such as Rabaenco, Moschino, American Tourister, Fred Perry and Brussels Sprouts. The accrued points have no expiry limits and you can redeem the points as air miles, as cash rebates on bills, or for products from the American Express Membership Rewards Catalogue. You also get to be part of highly valued American Express loyalty and discount programmes such as Platinum Dining, Platinum Lifestyle, Love Dining @ Hotels, Love Dining @ Restaurants, American Express Selects and American Express Global Dining Program.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$321 (primary card)

    S$160.50 (supplementary card)

    24.99% p.a. 5% of withdrawn amount 21 days

    Other Top Rewards Credit Cards

    The following credit cards are among other good rewards credit cards in Singapore:

    • DBS Woman’s World MasterCard
    • Citibank Clear Platinum Credit Card
    • American Express CapitaCard
    • Standard Chartered Visa Infinite Credit Card
    • Maybank Horizon Visa Signature Card
    • HSBC Visa Infinite Credit Card
    • OCBC Titanium Rewards Credit Card
    • UOB Preferred Platinum Visa Credit Card
    • OCBC Robinsons Group Credit Card
    • UOB Lady’s Platinum Credit Card
    • DBS Takashimaya Visa Credit Card
    • Maybank World MasterCard

    Best Credit Card for Miles:

    Air Miles credit cards, also known as miles credit cards or travel credit cards, are those that allow you to convert your reward points into miles, or help you earn miles directly through your purchases. These miles, in turn, can be exchanged for flight tickets, hotel accommodation and other travel-related expenses. You also get free access to airport lounges, travel insurance, and airport transfers. These cards are very useful if you are a frequent traveller and can help you save a lot of money. Most Singaporeans love miles credit cards!

    Some of the Best Credit Card for miles in singapore are:

    American Express Singapore Airlines KrisFlyer Credit Card:

    You get 1.1 KrisFlyer mile for every S$1 spent in Singapore and 2 KrisFlyer miles spent overseas in June and December. Purchases made through SingaporeAir App, singaporeair.com, silkair.com, SilkAir SkyShop, and KrisShop also earn you 2 miles. You also get a welcome bonus of 5,000 miles and another 5,000 miles if you spend S$2,500 in the first 3 months of getting the AMX Singapore Airlines KrisFlyr Credit Card. The miles are accrued directly in your KrisFlyer account, so there is no hassle of redeeming. Apart from this you also get access to dining and privilege programmes such as American Express Selects, Plaza Premium Lounge access, special rates at Grab and Hertz taxi services, fraud protection, and travel insurance of up to US$350,000. You do not have to pay annual fee for the first year for both primary and supplementary cards.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$176.55 (primary card)

    S$53.50 (supplementary card)

    24.99% 5% of withdrawn amount 51 days

    Standard Chartered Visa Infinite Credit Card:

    With this card, you get 3 miles per S$1 spent if you spend at least S$2,000 every month, and a welcome bonus of 35,000 miles. These points have unlimited validity too. The card also gives you travel perks such as cash rebate of 10% on Uber taxi rides, Priority Pass membership and 6 free entries to VIP lounges at airports, special yachting rates, concierge support, travel insurance of up to S$1 million, Visa Infinite Luxury Hotel privileges, and golfing concessions. All benefits of The Good Life plan are also available.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period
    S$588.50 (primary card) 25.9% p.a. S$15 or 6% of the withdrawn amount, whichever is greater Applicable only if you pay the bill amount in full

    DBS Altitude Visa Signature Card:

    With never-expiring miles, the DBS Altitude Card gives you 3 miles per S$1 for online flight and hotel transactions, 2 miles for foreign currency purchases, and 1.2 miles for expenses in Singapore. Up to 31st July, 2017, the card allows you to earn double the miles for each category if your monthly bill is more than S$2,500. Spends on Kaligo.com are eligible for up to 13 miles for every S$1, and using the card at Expedia can give you up to 9 miles per S$1 spent. Each time you pay your annual fee, you also get 10,000 bonus miles. Travel privileges on the DBS Altitude Credit Card include 2 free entries into Priority Pass-enabled airport lounges, dedicated Altitude Butler Services, travel accident cover of up to S$1 million, and jet-setter perks on flight and hotel deals.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    25.90% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 20 days

    HSBC Visa Infinite Card:

    This is an invitation-only credit card that gives you infinite travel privileges. Miles-earning rate is 2.25 miles per S$1 spent using the card, irrespective of the category you spend in. You get 10 Rewards Points per S$1 spent at participating outlets such as TUMI, Diesel, Dsquared2 and Max Mara. This card is especially useful because of travel insurance of up to US$2 million, unlimited airport lounge access through Priority Pass membership, limo transfers to Changi airport, access to Infinite Travel and Lifestyle Butler and to the Visa Luxury Hotels Collection.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$650 for HSBC customers

    S$488 or HSBC Premier customers

    25% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 20 days

    Other Best Air Miles Credit Cards

    Some of the other travel credit cards that give you great value for money are:

    • Citi PremierMiles American Express/Visa Credit Card
    • American Express Singapore Airlines KrisFlyer Ascend Credit Card
    • OCBC Voyage Credit Card
    • UOB PRVI Miles Visa/American Express Credit Card
    • Maybank Visa Infinite Credit Card
    • CIMB Visa Infinite Credit Card
    • Standard Chartered Visa Infinite Card
    • BOC Travel Card
    • Citi Prestige Card
    • OCBC Titanium Rewards Credit Card
    • Maybank Horizon Visa Signature Card

    Credit Cards with Best Dining Discounts and Privileges

    Dining credit cards are cards that give you cashback or rewards for dining out at restaurants, hotels, cafes, online food ordering and/or fast food outlets. There are not many dedicated dining cards in Singapore, though most cards offer cashback or rewards for dining both locally and overseas. In addition, most banks have loyalty and discount programmes that offer discounts and exclusive deals on dining. Some of the best Dining Credit Cards in singapore are:

    UOB YOLO Card:

    You only live once. Which is why UOB has a YOLO Credit Card for dining and entertainment. This credit card gives you 8% cash rebate on weekend dining and entertainment, both in Singapore and overseas. Weekday dining, entertainment, and online travel and fashion purchases give you 3% cash rebate. All other transactions give you 0.3% cash rebate. In addition, you can get free Grab taxi rides on weekends when paying through the UOB Yolo Credit Card. You can make quick payments through Android Pay, Apple Pay and Samsung Pay as well as UOB Mighty.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    25.9% p.a. 6% of the withdrawn amount or S$15, whichever is greater 21 days

    CIMB Visa Signature Card:

    This card gives you 10% cash rebate on fine dining as well as nightlife expenses, and 10% cash rebate on online transactions done in a foreign currency. All other purchases are eligible for a 0.2% cash rebate, without any cap on how much you can earn. Moreover, CIMB does not charge any administrative fee on foreign currency transactions, making your overseas purchases cheaper. You also get free travel insurance of up to US$500,000, in addition to Visa Signature perks such as golf green fees waiver, access to the Visa Luxury Hotel collection and concierge services. There is no annual fee for the primary card.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    Nil for primary card

    S$75 for supplementary cards (first-year fee waived for 2 cards)

    25.5% p.a. 6% of the withdrawn amount or S$15, whichever is greater 23 days

    POSB Everyday Credit Card:

    This credit card gives you benefits on everyday purchases. You get up to 14% cash rebate on dining and overseas expenses, and a maximum of 6% cash rebate on grocery and department store transactions. Petrol spends at SPC will give you up to 20.1% discounts and 3% rebate on personal care at Watsons. Utility bills of SP Services and StarHub will earn you 1% cash rebate, and all other transactions give you 0.3% cash rebate. The annual fee of this card is waived for the first year.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    25.90% p.a. 6% of the withdrawn amount or S$15, whichever is greater 20 days

    UOB One Card:

    With the UOB One Card, you get up to 5% cash rebate on all expenses made through the card. You need to make at least 5 transactions of at least S$2,000 in total to get 5% rebate, and a minimum of S$500 to get 3.33% rebate. The maximum cash rebate you can earn is S$300 (with spend of S$2,000), S$100 (with spend of S$1,000) or S$50 (with spend of S$500). If you also have a UOB One account, you can earn up to 3.33% interest on the balance by spending at least S$500 per month.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$72.08 (primary card)

    S$31.80 (supplementary card)

    25.9% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 21 days

    Other Top Dining Credit Cards

    Other credit cards that offer great dining rewards include:

    • Citi Cash Back Credit Card
    • OCBC 365 Credit Card
    • American Express Platinum Credit Card
    • HSBC Visa Infinite Credit Card
    • Standard Chartered Visa Infinite Credit Card
    • UOB Preferred Platinum Visa Card
    • Maybank Family & Friends Card
    • Citibank SMRT Credit Card
    • American Express True Cashback Credit Card
    • HSBC Revolution Credit Card
    • HSBC Advance Visa Platinum Credit Card
    • Standard Chartered Unlimited Cashback Credit Card

    Best Petrol Credit Card Singapore:

    If your credit card gives you awesome discounts and loyalty points on petrol purchases, then you have a petrol credit card, or fuel credit card, with you. Most petrol credit cards will give you a high discount in the form of cash rebates or reward points alongside loyalty benefits, at selected fuel stations. Among the most popular fuel stations favoured by petrol credit cards are Caltex, Esso, Shell and SPC. Some of the Best Credit Cards for Petrol are:

    DBS Esso Card:

    This is the only co-branded credit card in Singapore that is directly partnered with a fuel station to give you higher petrol privileges. The only other such fuel-based card is the Citi Esso Mobil Privilege Card, which is not a credit card but a complimentary loyalty card that can be taken with any Citibank credit card. The DBS Esso Credit Card gives you 17% savings – 5% instant discount at the petrol station, 5% Smiles member discount, and 7% DBS credit card rebate – on purchasing petrol from Esso. You also earn Smiles points on other spends made on your credit card. You’re automatically made part of the Esso Smiles Driver Rewards programme that gives higher savings. The Smiles points can be redeemed for fuel purchases.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$85.60 (primary card)

    S$42.80 (supplementary card)

    25.90% p.a. S$15 or 6% of the withdrawn amount, whichever is greater 20 days

    Standard Chartered Manhattan World MasterCard:

    This credit card gives you up to S$800 as cashback annually if you spend more than S$3,000 every month. This cashback is given for all purchases and is not restricted to any category. The reason this card is featured in the fuel credit card category is that you’re eligible for a maximum of 22.3% discount at Caltex, including 16% concession for Caltex Platinum 98, 4.5% concession from Standard Chartered on the net amount, and 3% cashback (subject to spending S$3,000 every month). The annual fee is waived for the first year.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    S$96.30 (supplementary card)

    25.9% p.a. S$15 or 6% of the withdrawn amount, whichever is greater Applicable only if you pay the bill amount in full

    HSBC Visa Platinum Credit Card:

    Another cash rebate card, the HSBC Visa Platinum Card gives you 5% cash rebate on all fuel purchases, groceries and recurring utility bills, and 2% cash rebate on dining. Buying petrol from Caltex and Shell will give you up to 21% cash rebate – 16% instant discount plus 5% card rebate – if your monthly bill is higher S$800. Apart from this, you also earn 1 Rewards Point for every S$1 spent – which means you get both points and cash rebates for the same purchases.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60 (primary card)

    Supplementary cards are free

    25% p.a. 6% of the withdrawn amount or S$15, whichever is greater 20 days

    Citi PremierMiles Visa Card:

    This is a great travel credit card that gives 10 Citi Miles per S$1 spent, and the miles have unlimited validity. You also get 15,000 Miles as welcome bonus on using the card the first time within 3 months of getting it, and another 15,000 Miles if you spend S$10,000 or more within 3 months of getting the card. You also get Priority Pass airport lounge access, travel accident insurance worth S$1 million, and other Visa Signature benefits. If you are buying your petrol from Esso or Shell, you can save 14% on the total bill, with 5% Esso rebate, 5% Esso Smiles rebate, and 4% card rebate.

    Annual Fee Rate of Interest Cash Withdrawal Fee Interest-Free Period

    S$192.60(primary card)

    Supplementary cards are free

    26% p.a. 6% of the withdrawn amount or S$15, whichever is greater 25 days

    Other Best Petrol Credit Cards

    Some of the other credit cards that give you great petrol savings are:

    • Citi Cash Back Card
    • Standard Chartered Visa Infinite Credit Card
    • UOB One Credit Card
    • POSB Everyday Credit Card
    • Standard Chartered SingPost Platinum Visa Credit Card
    • OCBC 365 Credit Card
    • HSBC Visa Infinite Credit Card
    • UOB Preferred Platinum Visa Card
    • Standard Chartered Unlimited Cashback Credit Card
    • Citi Rewards Credit Card
    • UOB Delight Credit Card

    Other best credit cards in Singapore

    These are not the only categories of credit cards available in Singapore. Most cards all under multiple types as well. You can also find card types such as:

    • Online credit cards – For example Citi Cash Back and Rewards Credit Cards, Standard Chartered SingPost Platinum Visa Credit Card, HSBC Advance Visa Platinum Card and Revolution Credit Cards, UOB Lady's Platinum and Lady’s Solitaire Credit Cards, UOB Yolo Credit Card, DBS Woman’s and Woman’s World MasterCard, OCBC Titanium Rewards MasterCard, and OCBC Frank and 365 Credit Cards.
    • Grocery credit cards – For example POSB Everyday Credit Card, Citibank SMRT Credit Card, Citi Cash Back Card, UOB Delight Credit Card, Maybank Family & Friends Card, HSBC Visa Platinum Credit Card, OCBC 365 Credit Card, and OCBC Plus! and NTUC Plus! Visa Credit Cards.
    • Insurance credit cards – For example American Express Singapore Airlines KrisFlyer Ascend Credit Card, Citi PremierMiles Visa/American Express Credit Cards, CIMB Visa Signature Card and HSBC Revolution, Advance Visa Platinum and Visa Infinite Credit Cards.
    • Shopping credit cards – For example Citibank Rewards and SMRT Credit Cards, American Express CapitaCard and Platinum Credit Cards, DBS Live Fresh Card, HSBC Revolution and Advance Visa Platinum Credit Cards, Standard Chartered Unlimited Cashback Credit Card and American True Cashback Credit Card.
    • Student credit cards – For example DBS Live Fresh Student Credit Card, Citi Clear Card, Standard Chartered Manhattan $500 Card and Maybank eVibes Credit Card.
    • Entertainment credit cards – For example HSBC Advance Visa Platinum Card and Revolution Credit Cards, American Express Platinum Credit Card, UOB Yolo Credit Card, OCBC Frank Credit Card, Citibank SMRT Card, OCBC Titanium MasterCard Credit Card, OCBC Cashflo Credit Card, UOB Preferred Platinum Visa Card, Maybank Platinum Visa Card, DBS Woman's World MasterCard and Citi Rewards Credit Card.

    Which credit card to opt for?

    Apart from the card mentioned above, there are numerous other credit cards available to people living in Singapore. Some of these card offer dining benefits, while other can offer you with a variety of travel or Airmiles benefits. You can even find cards that will provide you with access to golf courts around the world and a variety of other luxury privileges. Depending on your monthly income, budget and your lifestyle, you can opt for a credit card that will be best suited to your specific needs. You can access the credit card pages of BankBazaar.sg and read about the different credit cards and their features as it will help you in making the right choice.

    Eligibility For Credit Cards in Singapore

    Most of the credit card issuers in the island will require you to have an annual income of minimum S$25,000 to apply for the cards that they offer. The income requirement is higher for foreigners living and working in the country. However, for cards that offer premium benefits, higher credit limits and a range of other advantageous features, the income requirement is generally a lot higher (in the range of S$60,000 and above per annum). You will also need to be an adult who is aged 21 and above and has a good credit score. If you are unsure about whether you qualify for a credit card, you can always contact the card issuer and get the required info.

    Documents Required To Apply for Credit Cards in Singapore

    In order to apply for a credit card in Singapore, you will usually need to provide the following documents:

    • Copy of your NRIC (both sides)
    • Address proof such as utility bills
    • Proof of income such as latest salary slips, bank statements etc.
    • CPF statement, Assessment of Income etc.
    • Recent Photograph
    • Passport, Driver’s License and other proof of identity

    When you apply for a credit card, you will need to provide the following documents and also a duly filled application form. The application form can be downloaded from the website of most credit card issuers and in most cases you can submit the form along with other required documents and apply for the card online. You can track the status of your application and if it is approved, the card will be issued within a few working days.

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