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    Compare Credit Cards, Choose the Best and Apply Online

    How would you decide which are the best credit cards in Singapore? You might have heard about cards offering 10x rewards points, 6% cash back, no annual fee, and so on. All these things may seem attractive but they do not mean that the card is right for you. What you need is the best card that gives you the maximum benefits where you intend to use it. Wondering about cards for individuals with lower incomes or for foreigners? Yes, there is a card for everyone. A quick comparison will help you save time and find the top credit cards for you in a matter of minutes. To that end you must first browse through a list of all 90+ cards available in Singapore, select the card you have in your mind, and read on to understand everything these cards are offering.

    Credit Card Application

    Best Cards in Singapore*

    Cards Best for
    DBS Altitude Visa Signature Card Miles
    Citi Cash Back Card Petrol
    HSBC Revolution Card Online shopping
    CIMB Visa Signature Card No annual fee
    POSB Everyday Card Everyday spending
    HSBC Visa Infinite Card Travel
    OCBC 365 Card Dining
    UOB YOLO Card Entertainment
    UOB Delight Card Groceries

    Updated on: Nov 2018

    *The cards mentioned here are chosen from all the credit cards available in Singapore. Terms like “popular”, “best”, or “Top” do not indicate any special favour shown towards any card in particular.

    Finding the Right Credit Card

    Are You a New User?

    • Understand your spending habits – There’s no card that works for everyone. Knowing how much you spend every month on different things will help you get the right card.
    • Know what type of reward card you would prefer – If you a traveller who spends high amounts on flights and hotels, it makes sense to get a travel card.
    • Check your eligibility – Different cards have different income, age, and nationality eligibility criteria. Shortlist the cards that you are eligible for.
    • Compare cards – Once you know the list of cards that meet your requirements and eligibility, compare them to figure out which one works best for you.
    • Apply – Don’t forget to check the promotional offers on the card you are considering. Apply before the offer expires to maximise your savings.
    • Manage your card smartly – Since you are a new user, here are some things that will help you manage your card better: keep your card PIN safe, check account statement regularly, pay your balance in full every month (if possible), avoid missing any payment, don’t borrow more than your limit, and lastly, resist the temptation to overspend.

    Are You an Existing User?

    • Do you really need another one? – Go for an additional card only if your spending habits have changed or if it can help reduce your debt.
    • Know your changed spending habits and rewards requirement – Preference for reward can change, depending on your lifestyle. Maybe you have started travelling for your new job or business or maybe you have just started dining out frequently.
    • Check your eligibility, compare and apply – Once you know what type of card you need, check your eligibility, compare all the cards that you are eligible for, and apply for the one that maximises your savings.

    What Are Credit Cards?

    Credit cards are probably the most convenient way to access money. It is essentially a line of credit. You can pay for your large/small purchases with a card instead of cash. But be careful – it can turn into a trouble if misused. Wondering how to make the best use of your piece of plastic? Choose the card wisely. There are different types of cards available, including general purpose and private label, with each one offering unique benefits. You can hold as many cards as you like – just keep the interest and other charges in mind. The average interest charge on different cards in Singapore is around 26% p.a. Finally, compare various cards, in terms of annual fee, interest, benefits, promotional offers, etc.

    Cashback

    Make Money as you Spend Money

    You spend money all day, every day, on various things. You can’t avoid it. So, why not earn something on what you spend? Cashback cards can do exactly that for you. The more you spend, the more cashback you earn. What’s more? The cashback you earn never expires. In fact, once it’s credited to your account, it just offsets your bill.

    Things to Keep in Mind:

    Not all cashback cards are same: There are some cards that offer flat cashback on all purchases, while there are others that restrict the rewards to certain types of purchases. Also, some cards limit the cashback you can earn in a month, while some don’t.

    Tip: Figure out your spending requirements and then choose a card that lets you maximise your cashback.

    Consider the annual fee: Purchasing a cashback card makes sense only when you expect to earn more cashback than the annual fee you will have to pay for it. If the first year fee is waived, consider the fee you might have to pay second year onwards.

    Tip: Don’t overspend just to earn more cashback. Know your spending requirement and stick to it.

    Spend smartly: Once you have a cashback card, use it smartly to earn the maximum cashback. Avoid using cash or debit card, if you can earn cashback on something with your credit card. Keep an eye on minimum spending requirement and cashback cap.

    Tip: Pay your card bill in full each month. Else, you might end up paying more interest than the rewards.

    Cash Rebate

    Cash in on Cash Rebate

    Cash rebate isn’t much different from cashback – you earn back a certain percentage of the money you spend back in your account. Most often, these rewards are targeted at certain spending categories like dining, shopping, fuel, etc. Also, the rebate you earn can be redeemed for shopping vouchers, discounts, or to offset your next purchase.

    Things to Keep in Mind:

    Compare cards: Don’t go with your impulse while applying for a cash rebate card. Compare different cards to find the one that maximises your rewards. Also, don’t forget to factor in the annual fee when you compare the card benefits.

    Tip: Know your spending habits. If it’s diverse, consider a card that offers flat cash rebate on everything.

    Maximum rebate cap: Keep an eye on the maximum cash rebate you can earn with your card. Most cards have a limit on how much rebate you can earn in a month. Knowing the restrictions on earning will help you maximise your rewards.

    Tip: Avoid using cash or debit card, if you can earn rewards with your credit card for the same transaction.

    Resist the temptation to overspend: There are cards that offer higher cash rebate under certain categories, such as dining, online shopping, entertainment, etc. Try and resist the temptation to overspend on such things just to earn more cash rebate.

    Tip: Budget for all types of expenses and keep checking it regularly to ensure you are not exceeding it.

    Miles

    Maximise Your Miles and Travel

    Air miles are like the currency that any traveller would love to have. These rewards are generally associated with travel cards. Depending on your card’s reward programme, you earn a certain number of miles for every dollar spent from your card. You can redeem your air miles for flight tickets, hotel stays, and other travel-related expenses.

    Things to Keep in Mind:

    Apply for the right card: There are various miles cards available in the market. Shop around to figure out which one rewards you with the maximum miles. Also, consider airline-branded card only if you travel with that particular airline only.

    Tip: If you’re a frequent flyer, get a card that rewards you with extra miles on travel purchases to earn miles faster.

    Use wisely to accumulate miles faster: If any purchase/payment transaction is eligible for air miles, charge it to your card. Of course, avoid overspending. If you are a frequent overseas traveller, get a card that offers more miles on overseas spending.

    Tip: If you can choose between free air miles and annual fee waiver, choose the latter to maximise your rewards.

    Redeem your miles: Once you have accumulated miles, you can redeem them for a flight ticket. Since airlines keep limited seats for such reward programmes, it’s advisable to plan your travel in advance and stay flexible with the travel dates.

    Tip: Keep your card account in good standing at all times. If you fail to do so, you might lose your air miles.

    Rewards Points

    Get More Bang for Your Buck

    This is another reason why everyone loves credit cards. Depending on your card’s reward programme, you earn certain points for every dollar you spend on eligible transactions. Card issuers generally partner with various merchants where you can redeem those points. You can also convert your reward points into air miles or gift vouchers.

    Things to Keep in Mind:

    Shop at partner merchants: Most card issuers partner with certain merchants to offer you extra reward points for every dollar spent. Shop at these partner merchants to maximise your rewards. Read the fine print to find out more about these merchants.

    Tip: Avoid purchasing things you can’t pay for. Or you’ll end up paying more interest than the rewards earned.

    Look for welcome reward points: Most card issuers in Singapore offer sign-up bonus in the form of reward points. Look around for such offers from different card issuers. It might seem like an effort, but it could help you accumulate rewards faster.

    Tip: Don’t overlook the annual fee. A card offering higher sign-up rewards could also have higher annual fee.

    Redeem points regularly: These points can expire after a certain period, so keep redeeming them regularly. After all, you have earned them. Depending on your card and the card issuer, this expiry period could range from 1 year to 3 years.

    Tip: Use points as soon as possible. The number of points you may need now for a reward may go up a year later.

    Shopping Cards

    Shopping credit cards are great way to save as you shop. With attractive discounts, rewards, and cashback, these cards can help you save a lot of money. Many banks offer bonuses for signing up with them and using their credit cards to pay for your shopping purchases. Rewards earned on shopping cards be used to redeem shopping vouchers, additional discounts, or even converted to air miles and redeem for flight tickets on select airlines. Additionally, many shopping cards also help you purchase expensive products and repay in monthly instalments with 0% interest rate under Instalment Payment Plans. Banks may issue promotional codes from time to time based on the on-going offers at various participating merchants. Use these codes while paying for your purchases. Shopping rewards may not apply if you don’t use the required promo codes.

    All shopping cards require you meet certain criteria to be eligible for applying for them. The criteria will include nationality, age, and income. Ensure you meet all the criteria before applying for shopping cards. Getting an application rejected can impact your credit score adversely. Using these cards, you can keep track of the amount you spend on shopping. Remember to pay your dues within the last date specified and avoid heavy late payment and additional interest charges.

    Student Credit Cards

    A student credit card helps you pay for small essential expenses or leisure activities like dining out, while you are in college. With no minimum income requirements and low credit limits, these cards are very helpful when you need just that extra bit of cash to cover your expenses. Given the fact that you get only a low credit limit, these cards are a great way to start learning how to handle your finances on your own at a young age. Also, making your monthly repayments on time helps to build your credit score.

    This is probably the first time you are using a credit card that’s issued in your name. There are a few things you must keep in mind while applying for a student credit card. It would be wise to know what these cards are, how they function, what terms and conditions are associated with them, and what benefits they give you. Review your spending patterns. Make sure your monthly allowances can accommodate the amounts you have to repay after using your card. You need to repay the amounts you borrow every month within the last date. Banks charge high rates of interest on repayments that are not made on or before the due dates. Borrowing within your credit limit and paying back your dues on time are good ways to build your credit rating.

    Groceries Cards

    Groceries credit cards are designed to make shopping for groceries cheaper and more interesting. These cards offer you great discounts, cashback, and reward points on your grocery purchases. You can use accumulated points and rewards to get further discounts on your future purchases at retail outlets and supermarkets. You can use these cards to get rewards on online purchases as well. Some cards reward you in terms of cashback. Some banks may also offer free delivery of your purchases above a certain limit when you pay with groceries cards. Many cards come with a host of other benefits such as discounts on fuel at certain fuel stations and savings on dining bills.

    Before applying for groceries cards, you must also be aware of the eligibility criteria and other parameters that affect your card application and usage. Most banks require their applicants to be above a minimum age (usually 21 years old for these cards) and have a minimum income as specified. They are generally open to Singaporeans, Permanent Residents and foreigners. Banks also require specific documents as proof of income. Rewards will apply only if you meet the “minimum spend” requirements specified by the banks. Most reward points and miles that you accumulate over time have expiry dates. If you don’t use them within these dates, you will lose them.

    Insurance Cards

    Insurance credit cards give you insurance coverage on your travels, purchase protection or even coverage for other aspects. Insurance in Singapore is usually expensive. When signing up for a specific credit card that gives you free insurance, why not take it? Getting a travel insurance policy is a great way to ensure that you get sufficient compensation if something goes wrong while you travel. Many banks offer complimentary travel insurance when you charge the entire airfare to your card. Different cards give you varying amounts of cover. You can get policies that pay up to U$2 million in case of accidental deaths. Such insurance policies also cover baggage loss, flight delays and cancellations, and baggage delay. You can also get policies that offer medical cost coverage. Many banks offer rewards and discounts when you pay using such cards. Some of them also waive off the annual fee requirement for the first year. Purchase protection protects your purchases from defective products, damaged goods or even non-delivery of products. Other insurance cards include discounted car in insurance or life insurance policies or even rewards on paying insurance premiums.

    As with any other type of credit card, there are certain precautions you need to take before applying for an insurance credit card. Take a look at the eligibility criteria and see if you fulfil them. Also, make sure you have income documents and tax assessment reports to prove your financial credibility. If the card annual fee applies, check whether the benefits from the card are more than the cost of the annual fee. Also, verify whether you will be able to pay the monthly repayments on time or not.

    Dining Cards

    Dining credit cards are a great option if you love to dine out often. Singapore is one of the best places in the world to explore cuisines from various parts of the globe. These cards offer excellent rewards and discounts when you use them to pay your dining bills. With dining credit cards you get the privilege of eating to your heart’s content while saving money on your total bill at the same time. Some banks offer cards that give you higher discounts on dining at luxury hotels and restaurants. Loyalty programs may give you additional benefits such as complimentary dishes, 1-for-1 offers, and cashback when you dine with certain participating merchants. These credit cards also have certain criteria that you need to fulfil. All banks have minimum age and minimum annual income requirements that you need to meet. Foreigners may have to fulfil higher qualifications in order to apply for a dining card.

    Premium cards for priority customers are available only on invitation-basis. While all dining cards give you attractive rewards and discounts, keep in mind that you need to repay the amounts you charge to your card by the due date or you will incur penalty charges. Banks charge very high rates of interest on repayment amounts that are not settled by their respective due dates. If these are small amounts, they are easier to pay, and settling them at regular intervals also helps to boost your credit score.

    Petrol Cards

    Petrol credit cards in Singapore help you save a lot of money on your fuel bills. They can be highly beneficial if you commute every day using your own vehicle. Most leading banks in Singapore offer discounts at certain fuel stations in the country when you use these cards to pay for your petrol purchases. Petrol cards that don’t offer discounts give you reward points for every petrol purchase you make. You can accumulate these points over a period of time and use them to get discounts on future purchases at specified fuel stations. The discounts offered are sometimes more than 20% on your total bill. You can use some of these cards to withdraw money at ATMs, subject to bank charges that may apply.

    Banks will approve your card application only if you meet their eligibility criteria such as minimum annual income required, minimum age, and nationality. They also require you to submit documents of tax assessment and proof of income. Do keep in mind that you will get rewards or discounts only if you spend the minimum required purchase limit. If you don’t spend this minimum amount you will get only the standard rewards which may be very less. Some cards also offer discounts and cashback on travel, retail shopping, and entertainment. Credit cards charge high rates of interest on outstanding amounts. So remember to repay your dues on time.

    Lifestyle Cards

    Lifestyle credit cards are for people who like living a life of luxury and class. They hold a lot of benefits and help you improve your lifestyle. These cards offer excellent rewards and discounts on purchases made at selected merchants. You get rewarded when you spend at top shopping centres, purchase fuel at certain fuel stations, and even when you shop online. Lifestyle cards come with hotel privileges, golfing privileges, and other luxuries that suit your lifestyle. Also, get access and superior discounts on services at some of the best spas in the country. Your credit card statement will help you keep track of your expenses.

    While lifestyle credit cards may give you higher discounts and better rewards when compared to other cards, do keep in mind that they also require you to spend more in order to get these benefits and charge a higher annual fee. Banks offer various promotions from time to time. These may be available only for specific periods. Check with your bank for the latest offers they promote when you plan to spend on your card. Lifestyle cards charge high rates of interest on late repayments. Remember that you have to pay back all borrowed amounts within the due dates. Before applying for your card, assess your spending patterns and make sure that you have the financial bandwidth to make payments as and when they are due.

    Golf Cards

    Golf is not just a sport, it also is a great way to relax after a long week at work. Having a golf credit card will get you access to some of the best golf clubs in the country, places that are usually impossible to get into if you are not already a member there. These cards also give you a range of benefits such as free rounds of golf and special discounts at specified golf courses both in Singapore and abroad. Some cards also allow you to take your family and friends along to experience this relaxing game.

    Some golf cards also waive off the annual fee for new applicants. You could also get cashback on your spends at such golf courses. Golf is an expensive sport, and while golf cards help you get great discounts and free rounds of play, they also come at a cost. Some banks charge high annual fees. Check your monthly finances and budget to see if you can make the repayments on time every month. Most banks have qualifying criteria that you must fulfil in order to get these cards. These criteria include minimum income requirements, minimum age, and nationality. You also have to provide the necessary documents that the bank requests. Before you apply, see what kind of reward is most beneficial to you and choose a golf card that gives you the best in that category.

    Entertainment Cards

    Entertainment credit cards are best suited for those who spend a lot on movies and nightlife. These recreational activities in Singapore are not cheap and can take a chunk out of your monthly income if you regularly spend on them. These cards can help you save money and have a good time when you use them to pay for your movie ticket purchases or nightlife expenditure. Whether you want to spend a day with your family at the movies or hit a few nightclubs with your friends, you will get great discounts and rewards provided you meet the spending criteria that varies from one bank to another. Rewards are usually given either in the form of cashback or points. Cashback will be credited back into your account, whereas points can be collected over a period of time and redeemed for future purchases.

    Before you apply for your entertainment card, examine your spending patterns. Find out which area you tend to spend the most in. This will help you apply for a card that suits your spending patterns and gives you maximum returns. Also, verify the other rewards available on your card. Most of these cards charge an annual fee. If the rebates and discounts are not sufficient to cover this annual fee, you will not benefit from it. Banks also have other eligibility criteria such as minimum age and minimum salary.

    Utilities Cards

    These are cards that not many people may know about, but they are highly beneficial to you on a daily basis. Utilities credit cards are cards that give you rewards in the form of points or cash rebates when you use them to pay for your recurring expenses such as telephone bill, gas bill, internet bill, electricity bill, cable TV bill, and water bill. You get cashback/rebate on every payment you make if you meet the minimum spend criteria. This is a cash rebate that comes back to your account as a percentage of the total payment you make. Other utilities cards offer points that you can accumulate over time and redeem on future payments before the points expire.

    Some cards also give you the option of combining all your utilities’ payments into a single amount, helping you pay all of them in one go. Most banks have eligibility criteria that you must fulfil in order to get one of these cards. These criteria include a minimum age of 21 years, minimum annual salary, nationality, and income documents to prove your financial credibility. These may vary from one bank to another.Keep in mind that credit cards levy heavy penalties on late repayments. Apply for a utilities card only if you are confident of paying off your dues on time every month. Paying your dues on time every month and borrowing within your credit limit is a good way to build a good credit score.

    Benefits Singaporeans Love

    Cards For Women
    Cards For Women

    Credit cards that are exclusively designed for women offer various benefits like free vouchers, cashback, discounts, rewards points, etc. Take a look at the top credit cards for women in Singapore.

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    No Interest
    No Interest

    Do you need a no-interest credit card to consolidate your existing debt via balance transfer? Find your options here. You’ll be charged a processing fee and 0% interest rate during the introductory period.

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    Low Interest Balance Transfer
    Low Interest Balance Transfer

    Opt for a low-interest balance transfer credit card, which will help you clear your outstanding debt faster. Compare your various options here and take control of your credit card debt in a hassle-free manner.

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    Overseas spending
    Overseas spending

    Choosing a credit card that’s ideal for overseas shopping is quite a tedious task. Let us help you with a list of cards in Singapore that’s apt for overseas spending.

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    No/low annual income
    No/low annual income

    A few credit cards are designed specifically for individuals with no/low annual income. Mostly, annual fees on these cards are lower in comparison to normal credit cards.

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    Airport Lounge Access
    Airport Lounge Access

    Most travel credit cards offer you free airport lounge access and travel insurance as a part of the card benefits. Use our comparison tool to see which card suits you the best.

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    Concierge/butler services
    Concierge/butler services

    Concierge/butler services are mostly reserved for premium credit cardholders. Concierge benefits will vary depending on the card you choose. Check out a few cards that offer you butler services.

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    Joining perks
    Joining perks

    Joining perks is an important factor you need to consider before applying for a credit card. Look at what other factors you need to check before finalising on a card.

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    Complimentary travel insurance
    Complimentary travel insurance

    Complimentary travel insurance is a popular feature that is offered by most travel credit cards. Take a look at which cards offer it and do a quick comparison to see how they differ.

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    Contactless payments
    Contactless payments

    Contactless payments are quick, safe, and convenient to use. You can make a contactless transaction either by using your credit card or by using your mobile phone.

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    Air miles
    Air miles

    With an air miles credit card, you’ll able to save on your travel costs. Compare to see which card will earn you the most miles or help you earn miles the fastest.

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    Free luggage
    Free luggage

    If you’re looking to apply for a credit card today, consider the ongoing credit card promotions. Enjoy benefits such as welcome offers, free luggage, bonus miles, cash rebates, and more.

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    Compare Credit Cards by Banks in SG

    Citi Cards Citi Cards
    Grace Period: 25 Days Interest Rates: 26.9% to 28% p.a. Annual Fees: S$29.96 to S$535
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    HSBC Cards HSBC Cards
    Grace Period: 20 Days Interest Rates: 25.9% p.a. Annual Fees: S$0 to S$650
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    DBS Cards DBS Cards
    Grace Period: 20 Days Interest Rates: 25.90% p.a. Annual Fees: S$0 to S$535
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    Amex Cards Amex Cards
    Grace Period: 22 Days Interest Rates: 25.9% p.a. Annual Fees: S$53.50 to S$551.05
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    OCBC Cards OCBC Cards
    Grace Period: 23 Days Interest Rates: 25.92% p.a. Annual Fees: S$0 to S$488
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    UOB Cards UOB Cards
    Grace Period: 21 Days Interest Rates: 25.9% p.a. Annual Fees: S$0 to S$1,926
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    CIMB Cards CIMB Cards
    Grace Period: 23 Days Interest Rates: 25.5% - 27% p.a. Annual Fees: S$0
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    POSB Cards POSB Cards
    Grace Period: 20 Days Interest Rates: 25.90% p.a. Annual Fees: S$192.60
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    Maybank Cards Maybank Cards
    Grace Period: 20 Days Interest Rates: 15% - 25.9% p.a. Annual Fees: S$0 to S$600
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    ICBC Cards ICBC Cards
    Grace Period: 25 Days Interest Rates: 24% p.a. Annual Fees: S$30 to S$150
    View
    Bank Of China Cards Bank Of China Cards
    Grace Period: 23 Days Interest Rates: 28.88% p.a. Annual Fees: S$0 to S$350
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    Standard Chartered Standard Chartered
    Grace Period: 22 Days Interest Rates: 25.9% p.a. Annual Fees: S$32.10 to S$588.50
    View

    Top Cards of Singapore

    Best Card for Miles

    DBS Altitude Visa Signature Card

    DBS Altitude Visa Signature Card Up to 3 miles per S$1 spent locally or overseas

    Up to 10 miles per S$1 on bookings through Expedia & Kaligo 24-hour butler service to cater your travel & other needs Complimentary Global Airport Lounge Access twice a year Complimentary travel insurance cover of up to S$1 million

    Best Card for Petrol

    Citi Cash Back Card

    Citi Cash Back Card 8% cashback on dining, groceries, and Grab rides

    Savings of up to 20.88% on fuel at Esso and Shell stations 0.25% cashback on other eligible retail spends – no cap Complimentary travel insurance cover of up to S$1 million Up to 10% Citi Rebate at over 300 participating merchants

    Best Card for Online Shopping

    HSBC’s Revolution Card

    HSBC’s Revolution Card 5x points on online shopping, dining, entertainment

    No minimum monthly spend requirement to earn reward points 1 point per S$1 spent on other eligible retail transactions Redeem rewards for vouchers, cash rebate, miles, and more Enjoy attractive sign-up gifts when you apply for the card

    Best Card with No Annual Fee

    CIMB Visa Signature Card

    CIMB Visa Signature Card 10% rebate on dining, online shopping in non-SGD

    No bank administrative fee on foreign currency transactions No annual fee charged on the card ever (permanent waiver) Complimentary travel insurance cover of up to S$500,000 24-hour Visa Concierge service that’ll cater to your needs

    Best Card for Everyday Spending

    POSB Everyday Card

    POSB Everyday Card Up to 6% rebate on groceries, health, personal care

    The cash rebates earned are not subject to an expiry date Redeem cash rebates on the spot at more than 400 merchants All-in-one card for daily needs, MRT/bus rides, and ATM use

    Best Card for Travel

    HSBC Visa Infinite Card

    HSBC Visa Infinite Card Up to 2.25 miles per S$1 spent after the first year

    Unlimited, free access to more than 1,000 airport lounges Complimentary limousine transfers & immigration clearance Complimentary travel insurance cover of up to USD2 million Green fee waiver, golfer’s insurance & other golfing perks Dedicated 24-hour Concierge service to cater to your needs

    Best Card for Dining

    OCBC 365 Card

    OCBC 365 Card Up to 6% cashback on eating out during weekends

    3% cashback on online shopping, groceries, recurring bills Up to 23% savings on purchasing fuel from Caltex stations Complimentary travel insurance cover of up to S$200,000 24/7 Visa Signature Concierge to help with various services

    Best Card for Entertainment

    UOB YOLO Card

    UOB YOLO Card Up to 12% rebate on Grab, dining, entertainment

    Up to 3% rebate on online shopping for fashion and travel Exclusive dining, travel, and online shopping privileges Bonus rebate if you are a new UOB credit card applicant

    Best Card for Groceries

    UOB Delight Card

    UOB Delight Card Up to 8% rebate at grocery stores and supermarkets

    Up to 10% SMART$ rebate at over 400 merchants in Singapore 10% off house brands at Giant, Guardian, and Cold Storage Up to 3% rebate on contactless payments and recurring bills Exclusive travel & dining privileges throughout the country

    Things to Consider Before Applying for a Credit Card

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    Interest rates: That’s the cost of using the credit line on the card (if you are not repaying within the grace period). Credit card interest rates may vary from bank to bank.

    Fees and charges: Reading the fine print will help you understand various fees and charges involved, such as cash advance fee, late payment fee, foreign transaction fee, etc.

    Credit limit: If your credit limit is too low, you are likely to spend most of it or all of it in a short span of time. This high credit utilisation can adversely affect your credit score.

    Minimum payment: There is a minimum amount that you must pay every month to avoid penalties. It’s important to know this amount to keep your account in good standing.

    When to Use Credit Card for Borrowing?

    Credit cards offer one of the easiest ways to borrow funds when there is an emergency. However, that doesn’t mean they are ideal for every situation. For instance, credit cards are perfect if you need funds for a short duration, but they can be really expensive if you need funds for long term or for financing a big purchase. There are various factors that must be considered before you decide which borrowing option works best for you. Find out all you need to know about borrowing options in Singapore and things to look for before borrowing.

    Promotional Offers You Can Cash in on

    What is better than a credit card? A credit card that has promotional offers, deals, discounts, rebates, and other attractive bargains. Of course, most of us get a credit card mainly to enjoy such benefits. Most cards in Singapore offer different types of promotional offers, which range from cash rebate of 2% to 50%, shopping vouchers to popular brands, and bonus air miles, to attractive gifts such as Abalone sets, luggage and other merchandise. The offers come in categories such as dining, retail, travel, online purchases, health and wellness, leisure and entertainment, and many others.

    How to Check My Eligibility?

    If you want to know whether you will be able to get a card easily or not, you need to check the eligibility parameters set out by the bank for it. Eligibility criteria for a card usually includes age, annual income and citizenship status. Some banks may also allow you to place a collateral in the form of Fixed Deposits if your annual income is not as high as the card requires. To check whether you are eligible for a card is as easy as a few clicks. Just visit BankBazaar.sg, select the card you are looking for, and click on “check eligibility” to know if you are eligible for the card or not.

    Same-day Approval Credit Cards

    Need a credit card urgently? Fortunately, there are card issuers in Singapore that provide same-day approval, provided you meet the eligibility requirement. UOB is one of the Singaporean banks providing same-day approval for applications submitted online with all the required supporting documents. Keep in mind these things while applying:

    • Same-day approval applies to applications submitted from Monday to Friday, before 1:00 p.m.
    • Applications submitted after 1:00 p.m. will be approved the next working day.
    • You must apply only through a specific online form to qualify for same-day approval.

    Supplementary Card

    As the name suggests, it’s an additional card issued on the basis of your primary card, with pretty much the same benefits and features. Most often, the transactions made on these cards also qualify for the same rewards programme as your primary card. Depending on your card issuer, you can apply for multiple supplementary cards.

    Co-branded Cards

    • American Express Singapore Airlines KrisFlyer Ascend Credit Card
    • American Express Singapore Airlines Solitaire PPS Credit Card
    • American Express Singapore Airlines Krisflyer Ascend Credit Card
    • American Express Singapore Airlines PPS Club Credit Card
    • American Express CapitaCard
    • BOC Zaobao Card
    • BOC Sheng Siong Card
    • Citibank SMRT Card
    • Citi M1 Card
    • DBS Takashimaya Cards
    • DBS Esso Card
    • Maybank Manchester United Platinum Visa Card
    • Maybank FC Barcelona Visa Signature Card
    • OCBC NTUC Plus! Card
    • OCBC Great Eastern Cashflo Card
    • OCBC Robinsons Group Credit Card
    • OCBC Great Eastern Cashflo Credit Card
    • SCB Prudential Platinum Card
    • Singtel-UOB Card
    • Metro-UOB Card

    Premium Credit Cards

    • UOB Visa Infinite Card
    • DBS Insignia Visa Infinite Card
    • American Express Centurion Card
    • UOB Privilege Reserve Card
    • Citi Ultima Card
    • Standard Chartered Bank Priority Banking Visa Infinite Card

    Charge Card vs. Credit Card

    While credit cards offer you a line of credit with flexibility to repay the borrowed amount over months, charge cards don’t have any preset spending limit and require you to repay the borrowed amount in full each month. With charge cards, you can’t carry over the balance to subsequent months. If you fail to repay the balance in full each month, you will be subject to heavy penalties and might even lose your card. Charge cards don’t have an interest rate for the same reason.

    Credit Card Application Process

    Are You a New Customer?

    • Fill out the application form. You can get the form from the bank’s branch or online.
    • Attach the required documents to complete your application.
    • Submit the form.

    Are You an Existing Internet Banking/Credit Card Customer?

    • Apply through internet banking, phone banking, or through the bank’s website.
    • Use your existing details with the bank to save your time.
    • Submit the application form.

    Credit Card Interest Rates

    The interest on credit cards is stated as an annual rate known as Annual Percentage Rate (APR). It’s the charge you pay for the credit limit used. APR is not the same as Effective Interest Rate (EIR), which is the total annual cost of owning a card. It would include interest rates and other charges. Most banks in Singapore will tell you the EIR of the card, and it’s usually between 25% to 29% p.a. Here is how to calculate your card’s interest. All card issuers offer a grace period of 21 to 51 days. If you pay your full bill in this period, you won’t have to pay any interest. But if you don’t, APR kicks in.

    There are many benefits of having a low-interest credit card. Firstly, the interest burden is reduced. If you frequently carry over balance to the next month, a low-interest credit card will help save on interest charges. The higher the rate, the more you pay as interest. Secondly, the minimum monthly repayment would be low. Low-interest cards not only help you save on your finance charges, but also help reduce monthly repayment amount. This will help you save more every month. Also, when you have a low-interest card, you can transfer your high-interest debt to it to save money on interest.

    Credit Card Assessment

    Card application assessment process varies from bank to bank, but here are a few general steps that every card issuer takes before approving or rejecting your application:

    Assessment of the applicant’s details: It’s the first thing a card issuer would do after you submit your application. They will check out the information you have provided in your application and verify it to ensure that you are eligible for the card.

    Credit history check: They will pull out your credit history to know your creditworthiness. The credit history will include your past behaviour in dealing with debts. If your credit report is not good enough, your application getting may not approved.

    Approve or reject: Based on the verification done on your creditworthiness, and on your credit history report, the issuer will approve or reject your application. It will depend on your credit score, the number of defaults and other debt behaviour seen.

    Fees & Charges of Owning a Card

    When it comes to credit cards, there are various types of fees and charges involved – some avoidable and some not. Know what these charges are to save more on your card:

    • Cash advance interest charge
    • Late payment charge
    • Annual membership fee
    • Cash advance fee
    • Foreign currency transaction fee
    • Dynamic currency conversion fee
    • Over-limit fee
    • Lost/stolen card liability

    Credit Card Bill Payment

    Your bill payment history is an important factor affecting your credit score. Missing even a single payment can damage your score. Making late payments will also add to your woes. Fortunately, it’s not quite tough to keep track of your bill payments if you know how to do it. One of the smartest ways is to set up auto debit instructions. You can set up standing instructions on any of your savings/current account for automatic payment of your card bill every month. This can be done by setting up a GIRO arrangement on the account. Apart from saving you time, it’ll help you avoid missing payments.

    What Other Bill Payment Options Do You Have?

    • Cash
    • Cheque
    • AXS and SAM stations
    • Interbank GIRO
    • Phone banking
    • SMS banking

    What Is Credit Card Minimum Repayment?

    This is the minimum amount that you must pay every month towards the card account, in order to avoid any late payment or non-payment penalties. It is generally calculated as a percentage of your outstanding balance or a specific amount. For example, most banks require you to pay 3% of the remaining balance on the month’s bill or S$50. You will have to pay whichever amount is higher out of the two. Additionally, this may also include any amount overdue from the previous billing cycles, any amount borrowed in excess of the credit limit, and any other amount that the bank may see fit to levy.

    What If You Miss Your Minimum Monthly Repayment?

    You will be charged a certain late payment penalty, if you miss your monthly repayment. The late payment fee is applicable only if you do not make any payment on the card – not even the minimum monthly payment required. This fee generally ranges from S$40 to S$100. If the total card bill is less than S$50, most banks will expect you to make the full payment. Apart from the late payment fee, the bank may also charge a penal interest rate if you miss the minimum monthly repayment for one to three consecutive months. This will be in addition to the existing interest charges levied on the card.

    Help with Your Current Card

    • Activate Your Card : Depending on your bank, you can activate your card in multiple ways, including SMS banking, phone banking, internet banking, Video Teller Machines, or through your bank’s ATM.
    • Increase Your Card Limit : Most often, card issuers automatically increase your credit limit as you continue to keep your account in good standing. This means if you are paying your dues on time every month and are not borrowing in excess of your limit, your bank might automatically increase your credit limit.

      However, you can also request your card issuer to increase your limit. Just get in touch with the customer service representative or apply online. You might have to provide your latest income documents to the issuer.

    • Upgrade Your Credit Card : Think your card doesn’t offer enough rewards and privileges? Then it’s time for an upgrade. There are two ways to do this: 1) Request for a card upgrade; 2) Get a new card from the same issuer. On upgrades, you might either get the next version of the same card – e.g. a Visa Platinum card may be upgraded to a Visa Signature card – or a new card with better privileges. Your existing card will be cancelled.

    • Setting up Auto Payment Instructions : When you have recurring bills to pay every month, setting up auto bill payment/standing instructions will help ensure that the bills are paid on time each month. When you set up these instructions, your bill amount will be automatically charged to your card on a predetermined date.

      There are two ways you can set up these instructions: 1) log in to your online banking account and add the details of the billing organisation you wish to make the payments to; 2) set up an arrangement directly with the billing organisation.

    • Applying for a Supplementary Card Before applying for a supplementary card, check your eligibility first. Then fill out the application form and submit it to the bank. Don’t forget to provide the principal cardholder’s details as well as your (supplementary card applicant’s) details. Make sure you check the the terms and conditions, including whether you are eligible for the same rewards and privileges as the primary cardholder, and fees and charges of the card.
    • Cancel Your Credit Card : You can call your card issuer’s hotline number to get your card cancelled.

    Make Better Credit Card Choices with BankBazaar.sg

    If you have ever booked a non-refundable flight ticket for a wrong date or a wrong destination, you know how it feels. Purchasing a wrong credit card, loan, or insurance policy also feels the same. At BankBazaar, we help you avoid such awful situations. Our online portal has been designed to provide you end-to-end support for all your card, loan, or insurance requirements – so you can get that right product the first time. Get up-to-date information on cards from various banks in simple, easy-to-understand format and compare them based on insightful research articles, reviews, and data from online tools. But we go even beyond that. Once you have found what you were looking for, BankBazaar will guide you through the paperwork required to purchase it.Wait! There’s more. Count on us to provide with you frequent customised promotional offers as well.

    How does BankBazaar work?

    Step 1: Browse through the list of products available in your selected category.

    Step 2: Check your eligibility for the card/loan you wish to purchase.

    Step 3: Apply for it in quick, easy steps.

    Step 4: Sit back and relax. Let BankBazaar submit your application to the bank.

    Why do I Need to Compare Before Applying?

    Your requirements are unique. So is every credit card. A quick comparison between different cards will help you get the one that is just perfect for you.

    What Information do we Need?

    When you apply for a card, loan, or insurance through BankBazaar, we will need your basic details that any bank also would ask for. We’d also need your contact details so that we can keep you updated on the status of your application/inquiry.

    How Long will an Application Take to Process?

    At BankBazaar, we provide in-principal approval as soon as you submit all the information as well as documents. However, the actual approval depends on the bank/insurance company. A bank may take anywhere between half a day to 7 working days (or even more) to process your application. It depends on whether your documents are in order, and how good your credit score is.

    Credit Card Switching

    Over time, as your income increases and as your lifestyle changes, your credit card requirements also change. The travel card you have been using to earn miles might not be as useful for you once you take up a new job that doesn’t give you enough time to travel. In such situations, it makes sense to switch to a new card. You can switch to a new card from the same issuer or you can switch to a new card from a different issuer. In any case, there are a few things you must consider before you switch the card:

    Understand your requirements : If you are spending a huge part of your monthly income on groceries, go for a groceries card. Similarly, if you are looking to reduce your credit card fees and charges, look for a card with “no annual fee” or low APR.

    Know the credit limit you need : Be careful while choosing the credit limit. It should not be too high as it might tempt you to overspend or buy things you don’t really need. However, a very low limit might lead you to exceed your borrowing limit.

    Eligibility requirement : You might think that a specific card is good for you, but it means nothing if you are not eligible for it. The eligibility criteria includes age (21 years), annual income (starting from S$30,000 usually), and citizenship status.

    Other products for which you can get information on BankBazaar

    Debt Consolidation | Personal Line Of Credit | Education Loan | Personal Loan | Home Loan | Car Loan | Travel Insurance | Fixed Deposit | Travel Credit Cards | IRAS |CPF | Health Insurance

    Credit Card Reviews

    • Bank Bazaar Credit Card
      "Experience with Bankbazaar"
      0.5 5.0/5 "Blown Away!"
      The Bankbazaar website was easy to use. the response from the customer service team was quick.
      Was this review helpful? 4
      , singapore
      Reviewed on Sep 26, 2018
    • CITIBANK Credit Card
      "Became my primary card"
      0.5 4.0/5 "Great!"
      I'm using this as my primary card. My experience with this CITI card is good so far. I have recommended CITI credit card to many of my friends.
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 25, 2018
    • CITIBANK Credit Card
      "Card benifits"
      0.5 4.0/5 "Great!"
      Experience with the card was quite good like other bank cards in the market.
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 20, 2018
    • Bank Bazaar Credit Card
      "Experience with Bankbazaar"
      0.5 4.0/5 "Great!"
      Overall experience was good. Bank bazaar website was user friendly and was easy to navigate.
      Was this review helpful? 4
      , singapore
      Reviewed on Sep 19, 2018
    • HSBC Credit Card
      "Apt card for cash rebate"
      0.5 5.0/5 "Blown Away!"
      The best part of this card is the 5% cash rebate on my recurring telco bills which is the best in the market
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 13, 2018
    • HSBC Credit Card
      "Best card for rewards"
      0.5 5.0/5 "Blown Away!"
      Very useful card to earn reward points especially when it comes to online spends
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 13, 2018
    • Bank Bazaar Credit Card
      "Topnotch Service"
      0.5 5.0/5 "Blown Away!"
      Great customer service from Bankbazaar. Very pro-active in terms of helping the customer
      Was this review helpful? 4
      , singapore
      Reviewed on Sep 13, 2018
    • Bank Bazaar Credit Card
      "Good and quick response"
      0.5 5.0/5 "Blown Away!"
      When I emailed about the how much am I eligible and the reply was pretty fast. Had a good experience with bank bazaar.
      Was this review helpful? 4
      , singapore
      Reviewed on Sep 03, 2018
    • Bank Bazaar Credit Card
      "Fast Response"
      0.5 5.0/5 "Blown Away!"
      Initially I had issues in the voucher redemption but Bank Bazaar was fast enough to rectify and provide a proper solution in claiming the vouchers
      Was this review helpful? 4
      , singapore
      Reviewed on Aug 28, 2018
    • HSBC Credit Card
      "one of the few cards that gives points for insurance"
      0.5 4.0/5 "Great!"
      I was using a cashback card that gave me 1.5% cashback on my insurance premium until i discovered the HSBC Revolution card. 2 miles/dollar is definitely a better reward than 1.5% cashback!
      Was this review helpful? 23
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "great card for earning rewards"
      0.5 4.0/5 "Great!"
      this is a great all-in-one card. I don't like carrying too many credit cards in my wallet but i still want to get decent rewards. The HSBC revolution card does just that cause its accelerated points for dining, online and entertainment covers quite a lot of bases.
      Was this review helpful? 19
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "Online transactions earn me 5x Rewards"
      0.5 5.0/5 "Blown Away!"
      I like the HSBC revolution card. It fits my lifestyle and gives me 2 miles on the categories that are most relevant to me. There are other cards out there that offer better 'mileage' for these categories, but i dont think there's any that offers this combination.
      Was this review helpful? 14
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "Recurring telco bills, grocery and fuel cashback is good. "
      0.5 4.0/5 "Great!"
      I use my HSBC card mainly for petrol, buying groceries, and mobile bills to hit the $800 requirement every month. I've been getting $120 back every quarter, so that's pretty good.
      Was this review helpful? 10
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "not useful"
      0.5 2.5/5 "Just OK"
      Low cashback rate that is hard to even get. The only good thing about this card is the 5% cashback on telco bills. But my phone and internet bills are only $70 a month.
      Was this review helpful? 8
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "the best card for recurring telco bills"
      0.5 5.0/5 "Blown Away!"
      There's no competition when it comes to cashback on recurring telco bills. With the HSBC Visa Platinum card, I get 5% off every month just by spending $400 every month. It works out for me because since my combined starhub bill is already more than $400.
      Was this review helpful? 10
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "quarterly cashback mechanic is not good"
      0.5 2.0/5 "Expected more"
      The quarterly spend requirement is ridiculous. I missed my cashback so many times just because 1 out of 3 months I didn't spend as much. Other cards are easier to use, and even give more cashback.
      Was this review helpful? 10
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "saving on my insurance premiums every month"
      0.5 4.5/5 "Excellent!"
      I've got a family of 5 and monthly insurance premiums eat into my savings quite a bit. I'm glad that the HSBC Advance card allows me to earn $35 cashback on insurance premiums every month. I made sure to become an Advance Banking customer to get an additional 1% cashback.
      Was this review helpful? 10
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "not enough ancillary benefits"
      0.5 3.5/5 "Pretty good"
      I got the HSBC Advance card when they had a nice sign-up promotion, but aside from using it on my insurance premiums, I don't think it's a very useful card. There aren't many other perks a HSBC card gives, unlike other bank cards.
      Was this review helpful? 9
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "gorgeous card"
      0.5 5.0/5 "Blown Away!"
      I love the new HSBC card designs, especially the red lion head of the HSBC Advance card.
      Was this review helpful? 11
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "better than the other cashback cards of this nature"
      0.5 5.0/5 "Blown Away!"
      Although the HSBC Advance card has a cashback cap, unlike the Amex or Stan Chart versions, I find that I can still comfortably spend within the limit and occasionally even get 2.5% cashback. I'll use a different cashback card for things like groceries or dining, and use the Advance card for purchases that usually don't earn cashback on other cards.
      Was this review helpful? 11
      , singapore
      Reviewed on Oct 10, 2017
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