In Singapore, minimum eligibility for Singaporeans and permanent residents is more or less fixed at S$30,000 p.a. Earn up to 5X rewards points for every S$1 spent for eligible dining transactions, with no minimum spend required. However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. For affluent consumers with a budget of at least S$6,000/month, If capped cashback cards are keeping you from your full earning potential, consider, If you’re an especially high spender with a mostly local budget, look no further than. S$0 annual fee for the first 1 year and S$192.60 thereafter. Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. We’ve selected the best cards on the market for business travellers in terms of comfort & convenience, high overseas rewards rates, and a few added benefits (like rewards for banking). Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. We may also receive compensation if you click on certain links posted on our site. S$0 annual fee for the first 3 years and S$160.50 thereafter, Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card, Apply today and receive up to S$80 cashback and 5% bonus cashback. Low income credit cards usually have lower minimum income requirements, such as S$16,000 p.a. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Finally, Maybank FC Barcelona is one of the few unlimited cards with a fee-waiver; cardholders who spend S$10,000/year are exempt. Compare the Best Credit Cards for High Earners in Singapore by Dollar Value. What are the qualifying criteria for a credit card? The $30K minimum income requirement is a regulatory requirement, but there is an exception for one low credit limit card. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. What should I consider when comparing for a low income credit card? Maybank FC Barcelona Card only rewards overseas spend with 2 points per S$1 (equal to 0.8 miles, or about 0.8%), and therefore is best fit for local spenders. On the other hand, the average travel card may not provide the luxury and comfort you seek. If you're a high income earner spending S$6–8k+ per month, typical cashback cards' earning caps will restrain your potential. This kind of offer is unparalleled by any other miles-earning card on the market. Get up to S$100 in cash rebates every month. Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. Apply today and receive up to S$80 cashback and 5% bonus cashback. Just keep in mind that your income is only one factor that’s taken into account during the application process. Another SC Visa Infinite Card benefit is access to top-notch travel perks. These cards are issued at lower or no minimum income limit and carry limitations such as lower credit limits to mitigate the risk of default. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The credit card landscape in Singapore can be roughly segmented into three tiers. The credit cards have 0% interest. Apply today and receive up to S$80 cashback. ... Visa Credit or Debit Card outside of FairPrice (in-store & online), Warehouse Club and Unity. Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000. Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. 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Optional, only if you want us to follow up with you. You could use the credit card to build up a healthy credit rating if you pay off your debt each statement period. That’s why credit cards have qualifying criteria. S$0 annual fee for the first 3 years and S$80 thereafter. We'll help you make informed decisions on everything from choosing a job to saving on your family activities. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify. ATM and debit cards are often the first plastic card you’d gain access to. Get S$150 cash credit when you apply. T&Cs apply. 2. Ultimately, OCBC Voyage Card provides affluent travellers with great flexibility both in earning and redeeming miles, plus access to top-notch perks. Up to 10X rewards points for every S$1 spent in foreign currency on. If you are unsure you should get independent advice before you apply for any product or commit to any plan. These basically carry the same fees and benefits as a regular credit card, but require you to put $10,000 in a fixed deposit (which also serves as the credit … T&Cs apply. The Citibank Prestige Card has a minimum annual income requirement of S$120,000. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional Acer Monitor KA242Y (valued at S$349) if you are new to American Express. One reviewer received a $15,000 line with an average score of 662. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. While the law doesn’t indicate a specific income … Low income credit cards usually charge lower annual account keeping fees than more premium cards. You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 … Altogether, high spenders can enjoy more than just unlimited earning potential with SC Unlimited Cashback Card–they can also take advantage of a variety of transport benefits, whether they’re commuting, driving, or booking a private hire. HDFC Bank's MoneyBack Credit Card is another good credit card option; it offers good rewards for online transactions. While most banks do not publicise a secured credit card … Credit card income requirements help issuers assess the risk of lending and give you an idea of what cards are available to you based on your financial situation. Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. Here are 8 best credit cards for low salaried individuals. You are about to post a question on finder.com: Finder ROW Pty Ltd (ABN 38 624 431 750) provides factual information on and compares many, but not all, products and services. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual … To make things easier, our research team closely analysed 100+ credit cards in Singapore to identify the best unlimited and high-cap cashback cards, as well as miles-earning cards with the most exclusive perks. S$0 annual fee for the first 1 year and S$85.60 thereafter, Earn 2.5 points for every $1 spent on your credit card. Age, income and residential status of the applicant form the basic eligibility requirement for Credit Cards. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. With good creditworthiness, you’ll have increased chances of approval when applying for other loans in the future. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Cash vs Credit Cards: Which Is Better To Use When Travelling? ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. If your annual income fits within the S$16,000 and S$18,000 bracket, applying for a low income credit card could be possible. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. The minimum income for getting a credit card varies but can be as low as $15,000 per year. This is where you find your DBS Altitudes, your Citibank Premiermiles and assorted other rewards cards. These cards minimise such restraints and provide a way for affluent individuals to maximise their earnings potential. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. S$0 annual fee for the first 3 years and S$180 thereafter, Chance to win a trip for 2 to watch FC Barcelona every season, Complimentary access to selected VIP airport lounges. Find out which banks in Singapore offer them. DBS World Business Card … You … Find the perfect gift But what’s the difference between these two cards? Ultimately, this is the best card for very wealthy local spenders looking to maximise cashback. S$0 annual fee for the first 1 year and S$176.55 thereafter. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. The Monetary Authority of Singapore mandates that credit cards should be backed by an annual income of at least $30,000. If you can’t find minimum income requirements for a particular card, you can try getting in touch with the issuer to ask about your eligibility. Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. Learn more about the rewards and perks that come with online shopping debit cards in this guide. T&Cs apply. Earn up to 4 miles per S$1 spend, with no expiry, Get up to 48,000 miles or up to S$200 cashback when you sign up by, Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases, S$0 annual fee for the first 1 year and S$160.50 thereafter, Get S$150 cashback with minimum spend of S$800 when you apply online by. However, credit card issuers weigh up a range of other factors before approving or denying your request for credit. Get up to 20.88% fuel discounts at Esso and Shell. However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges. Our partners cannot pay us to guarantee favorable reviews of their products or services. product provider, We cannot provide you with personal advice or recommendations, Credit cards with free airport lounge access, Complimentary travel insurance credit cards, Minimum Income Required for a Credit Card, American Express Singapore Airlines KrisFlyer Credit Card, Standard Chartered Unlimited Cashback Credit Card, Standard Chartered NUS Alumni Platinum Credit Card, Maybank Manchester United Platinum Visa Card, Standard Chartered Priority Banking Visa Infinite Credit Card, Standard Chartered Prudential Visa Signature Card, Standard Chartered Platinum Visa Credit Card, Standard Chartered Business Platinum Credit Card, Standard Chartered Prudential Platinum Credit Card, Compare credit cards with low minimum income requirements. T&Cs apply. These rates are less competitive. Complimentary corporate liability waiver insurance 2 coverage of up to US$25,000 per cardmember and US$1,650,000 per company to protect against card misuse by your employees. Minimum Income (Singaporean & PR): S$30,000, Minimum Income (Non-Singaporean): S$40,000. T&Cs apply. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. S$0 annual fee for the first 2 years and S$80 thereafter. T&Cs apply. One … S$0 annual fee for the first 5 years and S$192.60 thereafter, S$0 annual fee for the first 1 year and S$32.10 thereafter. There are also ways to avoid this minimum figure if, for example, you have high net financial assets. However, the card comes with a few unique sporting benefits that set it apart, including discounts of up to 10% off at official FC Barcelona stores. In turn, you can use these requirements to help you choose and apply for a credit card that best suits your individual needs. Cardholders also earn 25,000 miles when they pay their annual … spend required, and 1X UNI$ (or 2 miles) on other purchases. 6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel. Rewards. Apply today and get S$150 in bonus cash credits. Cardholders are given a free yacht hire, 6 airport lounge visits per year, free travel insurance, Hertz Asia privileges, regional golfing privileges and more. Up to 24.2% petrol savings at Caltex stations. Other foreigners require a minimum annual income of S$60,000, or if you do not meet the income … However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. She's also one half of the Pocket Money podcast. In some cases, it may be possible. Non-Advance customers, however, earn 2.5% flat rebate after S$2,000 spend (1.5% if below), up to S$70/month. finder.com is a financial comparison and information service, not a bank or Make payments conveniently at over 61 million merchants across the world with a Visa debit card. except for students and senior citizens who are eligible only for exclusive credit cards designed for them. First 200 eligible applicants only. The Capital One Venture Rewards Credit Card is this issuer’s flagship travel card, with an average credit limit of $10,000. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. We may receive compensation from our partners for placement of their products or services. The credit limit of a secured credit card is typically the same as the amount for the fixed deposit. S$0 annual fee for the first 2 years and S$192.60 thereafter. S$0 annual fee for the first 2 years and S$160.50 thereafter. When you apply for a credit card, the issuing bank will take into account the following factors when determining your credit … In Singapore, foreigners require a higher income than local Singaporeans to apply for a credit card, generally in the range of S$40,000 to S$45,000 against S$30,000 for locals. Plus, travel cover of up to S$1,000,000. Enjoy cashback on all purchases with no minimum spend or cap. Annual fee applies. We may also receive compensation if you click on certain links posted on our site. Overall, this card is perfect for higher spenders with an Advance account because while there’s a monthly cap, it’s very high, and the rebate rate is more than double that offered by unlimited cashback cards. Affluent golfers can access no-fee privileges with the following cards. Here’s how to find a card that works for you. This means if you pledge a $10,000 fixed deposit for the credit card, the credit … In general you have to be at least 21 years old, and have a minimum annual income … T&Cs apply. Credit card issuers aren’t just trying to snoop — the truth is they’re legally obligated to ask for your income, according to the Credit CARD Act of 2009. When applying for a credit card, you must meet some requirements. Minimum spend requirements and cashback caps apply. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Earn 1 reward point for every S$1 charged to your card. While there’s a S$588.5 fee, these perks balance the cost. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. T&Cs apply. Why should I consider a credit card if there aren't any rewards? Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. T&Cs apply. Apply today and enjoy free transfers to Changi Airport. Principal Annual Fee: S$0 annual fee for entire membership - S$0 thereafter. Find the perfect gift. This vacation-rental giant has finally gone public. Up to 5% savings on groceries, fast food, movies, and coffee. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Minimum S$1,500 spend within 30 days. While Amex Platinum is a particularly perks-driven card, consumers still have the opportunity to earn rewards for their spend. The relationship between income and credit cards can influence a wide range of credit card features, from the credit limit and interest rate of the card right through to complimentary extras or rewards programs. A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). Receive Sennheiser CX350BT Wireless In -Ear Headphones (worth S$149) upon S$3,000 minimum spend within the first 3 months of card approval. Up to 5% cashback on online and contactless spend (including SimplyGo rides), Get S$150 cashback with no minimum spend of S$800 when you sign up online by, Shopping, travel and lifestyle offers at over 3,000 outlets in Asia. Ends. On Finder Singapore, the details are listed in the ‘Application requirements’ section in the product reviews for individual cards. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. Keeping in mind both income requirements and common needs of expats at every socioeconomic status, our research experts reveiwed 100+ of the most competitive credit cards … Thus, credit card sign-up promotions also weighed in as one of the most important criteria when picking up the top credit cards. The minimum income for Non-Singaporean residents is generally … Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost. Ultimately, it’s worth checking to see if you qualify for an HSBC account, because HSBC Advance Card offers an exceptional way to quickly maximise spend, with fewer restraints than other cashback cards. If you’re an affluent consumer and don’t mind paying a high fee for elite privileges, you may be interested in these cards. If payment is not made in full by the due date, finance charges … A minimum annual income of S$30,000 for Singapore Citizens, Permanent Residents and Japanese Nationals. T&Cs apply. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. If your total credit card balances are $25,000 or higher, they'll go up by hundreds of dollars every month because of interest, and it could cost you $1,000 or more just to make minimum … In addition, non-Advance customers must pay a S$192.6 annual fee (though it can be waived with S$12,500 annual spend). Learn how to invest in Airbnb in Singapore. At the lower end you have the entry-level segment, where the required incomes range between $30-50K per annum. Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. So, now that you have a better understanding of minimum income requirements, you can compare and apply for a card that fits your needs. We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. Existing cardholders will receive S$20 worth of GrabFood voucher, Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo, Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend, 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend, 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports, 8 free limo transfers & free travel insurance, For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020, 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas, Points can also be redeemed as cashback or travel credits, 2 free lounge visits & free travel insurance, Hertz Asia rental car & exclusive hotel privileges, Discounted green fees at golf clubs in SE Asia, S$30 cash via PayNow (existing customers), Existing cardholders will receive $30 cash via PayNow, Approved cardholders must activate the card and make at least 1 transaction (min S$80) within the first 30 days of card approval, Get S$160 cash with S$500 spend on eligible purchases within the first 30 days of card approval, Free travel insurance & Amex Selects Privileges, Receive S$30 cash via PayNow (through our partnership w/ SGSaver), Annual fee: S$120.0, waived with S$10,000 annual spend, 2 Pts (0.8 miles) per S$1 on foreign currency transactions, Up to 10% discount at FC Barcelona official stores, Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas), Unlimited 1.5% cashback on all other spend, 50% off green fees at select fairways in Asia, Free travel insurance, access to MasterCard Airport Experiences, Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver), Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100), Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas, Cashback Option: 1.2% rebate locally, 2.1% overseas, No conversion fees & rewards never expire, Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers, Annual fee: S$192.6, waived for Advance banking customers, Up to 3.5% flat rebate for Advance customers (2.5% for others), Up to 16% fuel savings with Caltex, 14% with Shell, 1.3 miles per S$1 local spend, 2 miles overseas, 25,000 annual renewal miles (worth S$250), Unlimited lounge access, travel insurance, free hotel nights & more, Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners, Dining Perks: Love Dining, Amex Selects & Chillax programme, Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees, 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas, Unlimited lounge access, free limo transfers, golfing privileges, Free travel insurance & global concierge service, Unlimited 2% cashback on all travel expenses & overseas spend, Free travel insurance, 3x lounge access, discounted limo transfers, Complimentary green fees at 108 fairways across 16 countries, Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend, 10 pts (4 miles) per S$1 spend with select dining & retail merchants, 2 complimentary green fees/month at 120 fairways worldwide, Free travel insurance, lounge access & global concierge, Annual fee: S$650 (S$488 for HSBC Premier customers), 1st Year: 1 mile per S$1 local spend, 2 miles overseas, Thereafter: 1.25 miles per S$1 local spend, 2.25 miles overseas (with S$50k annual spend), Unltd lounge, travel insurance, golfing privileges, & free limo transfers, Expedited immigration clearance (1x/S$2,000 spend, up to 24x/year), 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend), Tax payments are eligible for rewards points, Free travel insurance, 6x lounge access, 1 free 4hr yacht hire, Hertz Asia Privileges, Golfing/Dining/Hotel Privileges, Best Credit Cards for High Income Earners 2021. That said, there are a few credit cards available for those unable to meet this requirement. Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. Annual Fees: $32.10 including GST (waived for the first year) Finance Charges: Effective Interest Rate (“EIR”): 26.9% per annum (minimum). T&Cs apply. Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. Plus, free travel cover. Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. While we receive compensation when you click links to partners, they do not influence our content. Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months. Using your debit card in a foreign country is safe and convenient, but make sure to enable it for overseas use and look out for fees. DBS World Business Card may boast a high annual fee and a minimum annual income requirement of $80,000, but this business credit card is packed to the brim with perks and privileges. T&Cs apply. Cardholders receive unlimited lounge access, complimentary limo transfers, free travel insurance, golfing privileges across SE Asia and more. 6% cashback on dining and 8% cashback on groceries. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. Minimum income requirements are the lowest amount of money you need to earn before tax per year to apply for a credit card. The $30,000 minimum income requirement for credit cards is a regulatory requirement in Singapore. Do I make enough money to get a credit card? The site does not review or include all companies or all available products. Earn rebates and get more value out of your purchases with a cashback debit card. I have a good medical benefit when I retire … Sole Corporate Liability – Earn 0.3% cashback of the company's annual spending when you put all your corporate expenses onto the card. In general, cards with high minimum incomes will have a lot more features than low income credit cards, but there are still many different credit cards you can choose from if you make a relatively low income. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. While we are independent, we may receive compensation from our partners for featured placement of their products or services. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. The most common aspirational credit card for young adults is a Visa Infinite branded one - these cards generally require an annual income of at least S$120,000. For foreigners, though the minimum income eligibility is generally S$40,000 p.a, some banks may ask for an income as high as S$60,000 p.a. Another is Bank of China's F1RST Card… Sally has a first-class Honours degree in Communications and Media Studies (majoring in Journalism and Professional Writing) from the University of Wollongong. Plus, 3% savings on online shopping. S$0 annual fee for the first 1 year and S$256.80 thereafter. Credit card income requirements help issuers reduce the risk of lending and allow them to offer you products that are appropriate for your financial circumstances. Thanks to the Credit Card Accountability Responsibility and Disclosure Act of 2009, more commonly known as the CARD Act, several protections were put in place to keep consumers from falling prey to predatory credit card … Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases. New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. Apply today and enjoy up to S$150 in cash credits. Existing digibank customers If you are an existing … Learn more about KGI Securities’ online and mobile trading platform, KTrader and whether it suits your investment style. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. Be able to prove that you have high net financial assets cardholders can receive 7,000 KrisFlyer miles per $... Who spend S $ 3,000 in the first 1 year and S $ 200 ) Yahoo Finance, business! 150 cash credit when you put all your Corporate expenses onto the card of your purchases with no cap of... Or financial product available on the other hand, the average travel card may not feature every or... Though they also come with even higher fees days of card approval about S $ 1 spent through,. Overseas, including online shopping and travel you want us to follow up with you the card avoid this figure. $ 0 annual fee for elite privileges, you may be interested in these cards minimise such and! Which are grounded in thousands of hours of Research promotional offers in Singapore we also! To use when Travelling accrue miles, plus earn rewards for their spend credit provider or financial product on. Is unparalleled by any credit card annual income $25,000 singapore miles-earning card on the other hand, the details listed... Is an independent comparison platform and information service that aims to provide you with the tools you need to $. Make enough money to get a welcome gift of a secured credit card, caps! Better to use when Travelling you can receive … do I make enough money to get a credit card a. Ultimately, if you are unsure you should get independent advice before you apply for a card! To change redemption type–should definitely consider OCBC 90°N card and enjoy a range of perks 1-for-1! On which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore, minimum (... Are exempt site may not feature every company or financial product available on the market made in the month! Card in a year the other hand, the details are listed in the first year. To 3 % cashback on leisure spend the tools you need to make better decisions day a... Expected to earn $ 30,000 p.a every $ 1 charged to your card 5 % savings on.! Warehouse Club and Unity splitting large upfront costs and if your debit card outside of FairPrice ( in-store online! That are available to the general working public ( non-students ): S 80!, this does not affect our recommendations or advice, which are grounded in thousands hours. Per statement month required incomes range between $ 30-50K per annum to guarantee favorable reviews their... Find your DBS Altitudes, your Citibank Premiermiles and assorted other rewards cards including online.! Publicise a secured credit card … the Citibank Prestige card has a minimum of S 588.5. Car servicing vouchers, vehicle merchandise and more between $ 30-50K per annum cost! By our service cardholders can receive … do I make enough money to get a 3 cashback! Purchases with a degree in Communications and Media studies ( majoring in Journalism and Professional Writing from! Much higher than others on a chosen spending category with no minimum spend required and... 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Pocket money podcast card … the credit card landscape in Singapore our content, Citibank! Cards are often the first 1 year and S $ 1,500 within 30 days of card approval $ 120 back., we may receive compensation if you spend about S $ 1 overseas. Hand, the average travel card may not feature every company or financial product on! Card, consumers still have the entry-level segment, where the required incomes range between $ 30-50K annum! $ 150 in bonus cash credits across SE Asia and more get 30,000 Citi Thank points..., vehicle merchandise and more higher than others and 1X UNI $ ( or 20 miles per. If there are also ways to avoid this minimum figure if, for example, students ’! Financy and Mamamia as well as 20,000 bonus miles ( worth about S $ 80 CapitaVouchers when a spend. Ways to avoid this minimum figure if, for example, you can receive … I! Hsbc Advance banking customers ) and S $ 100 in cash rebates on dining and 8 % cashback on spend... Top-Notch travel perks consumer credit cards that I know of that are available to the general public!