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Overall, with a cashback credit card, you will see an immediate reduction in your next bill, making it slightly easier to track. If you are looking for a card that helps you save while you shop, a cashback credit card is for you as you will be able to benefit from it on a regular basis. Kenneth Lou, Co-founder at Seedly. Examples of such cards include the American Express True Cashback Card or Standard Chartered Unlimited Cashback Card. Credit cards that are more difficult to get include the ones … If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower … The Bank will be crediting this amount in the form of cashback into your DBS Takashimaya Credit Card by 30 September 2020 or within 120 days from the end of circuit breaker, whichever is later. In contrast, cash rebates may be a little hard to keep track of and are best used once you have accumulated a decent amount. 4. If you do not have your Credit Card PIN, please call +65 6333 6666. These 2 designs are also applicable for card design … ... Jie Sheng, Seedly Student Ambassador 2020/21 at Seedly. We'll admit it's a bit of a catch-22; you'll need a credit card to even develop a good credit score, yet having a credit card poses the risk of earning a bad credit score. The Credit Bureau of Singapore only tracks your borrowing history over a 12-month period - so you'll only need to maintain that to recover from a poor record. Compare and read real user reviews on the best cashback, air miles and rewards credit card in Singapore.Stay updated with the latest credit card promotions. Some examples would be the American Express True Cashback, BOC Sheng Shiong or HSBC Advance Cash Back. So: what credit card can you get with a poor credit score? ULTIMATE GUIDES. You'll also have to pay your bills within the stipulated timeframe on your statement, or face late payment charges - including increased interest rates on the owed sum. 80k views. Applicable for first-time American Express Singapore Airlines Credit Card applicants only. Seedly. The process is pretty simple. The above table sorted out based on the Most Popular credit cards for online shopping based on real user reviews. The cashback system may vary for different credit card systems, but in general, this is how you get to redeem your cashback: The cashback you earn each month is accumulated in a separate account. Before narrowing in on credit card user reviews, first consider the following: Unless you're getting a student credit card, it's highly likely you'll be required to meet a minimum salary requirement prior to having your credit card application approved. Renovation. 3. - Online spenders who spends above $210 per month ~ $2,500..." 3mth ago, "great card! Spend Bonus Receive 16,000 KrisFlyer miles when you spend S$10,000 in the first 3 months of Card … Termination of Travel Insurance. However, most banks use the terms interchangeably, as the main idea of getting cash back to offset your bills is still kind of the same. For eg. As mentioned above, some credit cards have a tiered cashback scheme, where you will have to fulfil numerous criteria to hit the maximum cashback amount. Ultimate guides to kickstart your finances. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly … Credit Cards Electricity Retailers Mobile Plans Online Brokerages P2P Lending Robo-Advisors Savings Accounts Travel Insurance Quick Tools Savings Account Calculator Levels and Badges If you are a fan of online market places such as Lazada and Shopee, they each launched their own promotion with various banks in Singapore too. Before delving into your comparison, it's important to first understand what getting a credit card entails, and the importance of maintaining a good credit score. Investment 101. 2. If this help you first research and understand the benefit of each of this credit card before you make a decision in having a credit card to … Offer is valid till 31 Jan 2021, for new DBS/POSB Credit … That's because a credit card's interest rates hovers at around 24% of the amount owed. Great for my purchases at NTUC, can accumulate points..." 4mth ago, "Staff at CIMB Orchard are informative and polite. In the News. Guide. I think the best generic ones are stanchart unlimited card and amex true cashback card at 1.5% rebate on all spend, with no minimum. if I use a 5% cash rebate credit card to pay for a $100 purchase, a $5 cash rebate will be credited into my credit card account. Promotions. Most insurance companies allow paying first year premium for whole life plans using credit cards, and some through their online portal allows payment via credit card … Promotions. To get a quick overview, take a look at the card’s monthly cashback cap, and the preconditions surrounding it! Credit Card Promo for Petrol. HDB BTO. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. Depending on which bank you get your card from, some cashback credit cards might not have a monthly minimum spend. 4 MPD for all online shopping. Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … Standard Chartered Unlimited Cashback Credit Card. The process is pretty simple. Minimum spend on Credit Card to get cashback/more cashback. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. You can contribute your thoughts like Rachel Yeo. And then there're student credit cards, whose prerequisites are considerably lower: no minimum income requirement, no minimum spend, and far lower annual fees. You can compare credit cards and choose up to 3 cards. Property. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an … More often than not, your credit card will come with additional charges. Avoid taking too many loans within a short amount of time, Cancel inactive credit cards, or those you don't use regularly. Exchange currencies in a snap Spot the best rates, and make instant exchanges for 10 currencies. Credit card providers with instant approval can provide a digital credit card that you can start using even before your physical card arrives in the mail. For eg. Good for using with DBS multiplier account time clock in the..." 3mth ago, "[Cashback Card] a cashback with miriad rules and of eligible transaction. Visa Credit/Debit Card … Using a personal finance management tracker (like - ahem - the Seedly app) or an Excel sheet could help you better identify where most of your money goes, so you'll be able to reap the full benefits of your card. Answered on 04 Oct 2020. The Best Credit Cards in Singapore 2020. If you’re in a similar situation, then here’s a quick introduction into the world of cashback credit cards, and how to choose the best cashback credit card! A poor credit score could affect how much you can borrow - or even your ability to borrow. Stocks Discussion Campaigns Young Money SeedlyTV Levels & Badges Student Ambassador Program. Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs – Obsidian (FRK2020) and Vortex (PRF0002). without locking in your money Get cash in 15 mins with interest rate from 3.48% p.a. Theres a promotion that has been going on since October 2019 and it is that if you apply for Maybank Credit Cards and CreditAble, you get a complimentary luggage from American Tourister (luggage worth $260). We are powered by the collective wisdom and diversity of experience of thousands of Seedly community members who … Insurance. testing. From benefits, points and air miles to cashback rewards, where should you even start? Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012. Multi-currency cards are filling this void, though, by allowing overseas transactions to be made at no extra cost. While there are many types out there to choose from…, I don’t travel that much, and I’m not a huge [email protected]. If you’re like me and don’t have a particular supermarket chain that you frequent. In doing so, you'll be charged a balance transfer fee of around 2% to 4% of the amount transferred. In such cases, you are better off using cashback apps such as ShopBack where you can get 1 to 10 per cent cashback from different merchants, simply by linking up your favourite credit card! Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … - On POSB website, it states 'Get UP TO 15% cash rebates'. A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. However, there may be minimum spend to unlock certain benefits. Your borrowing history is compiled in something called a credit bureau report, and can be obtained from the Credit Bureau of Singapore for a fee of $6. We will send … These could inevitably affect you in the long run, especially if you require a bank loan for your first HDB BTO, for example. All Miles Credit Cards Comparison. Effective 1 June 2019, all new, replacement and renewal cards issued for SAFRA DBS Credit Card will no longer have the CEPAS function for NETS FlashPay transactions. Banks do offer a grace period of between 21 to 25 days, but ignoring this window is an expensive mistake you don't want to make. How to Apply for Credit Cards in Singapore? Standard Chartered Unlimited Cashback Credit Card, AMEX Singapore Airlines KrisFlyer Ascend Card, How to choose your first credit card in Singapore. 5. )Capital One Quicksilver Cash Rewards Credit . A cashback credit card is basically a credit card that pays you back a certain percentage of what you spend (similar to a rebate)! Discussion. You should also: Apart from user reviews on credit cards - we've an exhaustive list for your perusal - these guides are an excellent segue into the world of credit cards, no matter your spending habits. Do you have a cashback credit card in mind? And I’m looking to get one to see if I can maximise my DBS Multiplier account and earn more interest. Use your Card Instantly on Apple Pay and get an additional S$20 cashback! This is especially the case if you've been using your credit card with fair regularity. Robo-Advisors. ... Top rated on Seedly… There are some ways to improve a bad credit score, though. So if you plan to clock your recurring bills under eligible spending, make sure you check if it qualifies under the card that you’re charging to. Best Miles Credit Cards. Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period. Cheat sheet: What are the best cashback cards for working adults? These are usually transactions like (not exhaustive): So if you plan to clock your recurring bills under eligible spending, make sure you check if it qualifies under the, $50 (3.33% of $1,500; if min spend at least $500 but less than $1,000 per month within a qualifying quarter), $100 (3.33% of $3,000; if min spend at least $1000 but less than $2,000 per month within a qualifying quarter), $300 (5% of $6,000; if min spend at least $2,000 per month within a qualifying quarter), Make a minimum total of 15 transactions in your qualifying quarter (min 5 transactions/ month), Spend a minimum of $2,000 for each month within the qualifying quarter, Ensure that all transactions are posted before the statement date to qualify, ShopBack GO: How To Convert Any Debit Or Credit Card Into An F&B Cash…, The Best 1-For-1 Food Apps In Singapore: Burpple Beyond vs Entertaine…, Ultimate Compilation: Cashless Payment Promotions & Deals, A Singaporean's Ultimate Guide To Year End Online Shopping Deals. There is no point in getting a cashback credit card that gives you a mere 1 to 2 per cent cashback. Answered on 10 Mar 2020. MileLion. And if you plan on shopping overseas (or in an online store that's based outside of your home country) with your credit card, you'll need to factor in possible foreign currency conversion fees. suit my lifestyle as i shop online frequently (3% rebate),..." 1mth ago, "[Useful For...] Visa Credit/Debit Card monthly, On his first S$50,000, he earns interest at 0.40% per year; On his next S$10,000, he earns interest at 0.05% per year; Scenario 2: If customer has S$60,000 and does not Salary Credit of at least S$1,000 via GIRO + 3 Visa transactions on his NTUC Plus! The biggest credit card companies like Visa, … Live The Good Life® and enjoy privileges with your Standard Chartered Credit Card Earn up to 0.30% p.a. The fares will be charged directly to your credit card upon usage. As you may have seen during your search for high quality cannabis seeds, many seed banks don’t offer the possibility to buy weed seeds with a credit card.. All Personal Accident Insurance Comparison, "[Promotions and Perks] SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly … A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. Since your question tagged 'POSB Everyday Card', I shall use that as an example. The OCBC Travel Insurance Programme for OCBC Generic Visa Classic/MasterCard Standard, OCBC Generic Visa/MasterCard Gold, OCBC Titanium, OCBC Platinum, and OCBC Arts Platinum cards … Late Fee: Yep, we're again reiterating this. Whatever cashback you receive will be used to offset your next bill. Income Tax. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card … What are the best miles cards for working adults? Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. Those who wants to get 2 free premium lounge access per..." 5mth ago, "Easy to apply. )Bank of America Premium Reward Credit Card. This isn’t a credit card per se but a prepaid card that is integrated with RazerPay. Ask questions and get answers from the friendly Seedly Community! Compared to rewards cards and air miles cards, a cashback credit card is less complicated as well! Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. Firstly, theres no minimum spend to use a credit card. How to Choose Your First Credit Card. Best Credit Card for All Supermarket Chains. If SC has more merchant tie-ups that are relevant to you then this point is not valid. If you’re in a similar situation, then here’s a quick introduction into the world of cashback credit cards, and how to choose the best cashback credit card! And these rebates are usually automatically used to offset your spending for the month. To redeem offers, … if I use a 5% cashback credit card and rack up a bill of $100 in January, the 5% cash back earned ($5) will be deducted off my next bill in February. You can discuss the pros and cons of it in Seedly’s Credit Card Reviews! To access participating lounges, present your OCBC 90°N Card, or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member. Then there's the possibility of getting a bad credit score, no thanks to poor money management habits or accrued credit card interest. Making credit card comparisons can be tricky if you have little idea of your own spending habits. If you fancy the idea of redeeming rewards in the form of vouchers for movies, shopping, dining, hotel stays and air miles, then these rewards credit cards may be something worth considering. Being a student comes with a ton of benefits, whether food or entertainment discounts. AMEX has more attractive merchant promotions, but this is subjective. Seedly Student Ambassadors. When choosing a credit card, it is important to ensure that you are able to hit the minimum spend, without chalking up a huge amount of expenses. HDB Resale. I personally have the stanchart unlimited card and will be getting the amex true cashback the moment i have a s$5k expense (because you get 3% for the first s$5k spent in the first few months. This is subjected to the different pre-conditions set up by the banks. But did you know certain credit cards can in fact help you save money? It’s also worth noting that the individual banks have their own exclusions so make sure you read the respective terms and conditions before deciding which cashback credit card to sign up for. Miles cards … SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly is Singapore’s largest personal finance community. Seedly is Singapore’s largest personal finance community. Credit Cards. 1. I applied for it for the Apple AirPods promo with..." 1mth ago, "[Card Hacks] An example of a tiered cashback card is the UOB One (up to 5% rebate). Source: Razer Fintech And it’s pretty cool too since it lights up whenever you make a payment with it. Here are some of the best miles cards offered: With a cashback card, you'll be rewarded for spending on dining, groceries, online shopping, hotel stays and entertainment - plus everything in-between. Balance Transfer Fee: A balance transfer is what happens when you transfer your credit card debt to another card issued by a different bank. Are you a chronic Grab user or guilty of indulging in copious amounts of overpriced coffee? Large purchases like my annual premium for insurance and household items...." 6mth ago, "[Useful For...] It's easy to feel overwhelmed by the sheer amount of credit card options offered by banks - particularly if you're looking to get your first credit card. OCBC Cashflo Credit Card is an interest-free auto-instalment credit card that offers you up to S$100 in monthly rebates. Worse..." 2w ago, "[Useful For...] Master. Stay updated with the latest finance tips! Annual Fee: This refers to a yearly fee charged for the convenience of having a credit card. 6. If you've still got burning questions after reading real user reviews on the best credit cards in Singapore, head on over to the Seedly Q&A platform! Still have more questions after reading the article? How to Apply for Credit Cards in Singapore? A credit card may give a generous amount of cashback. You'll be able to pose your questions anonymously, too. First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly … Hi depends on the context. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. I just go to whichever has the best deals for the day. 16% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and Additional 5% rebate on nett fuel spend after discount (equivalent to 4.2% savings before discount), provided the Cardmember spends at least S$800 in total on an OCBC 365 Credit Card … Note: the various credit cards … No top-ups or reloads required; just pay for the ride with your card. If you do not have your Credit Card PIN, please call +65 6333 6666. Most banks typically offer an annual fee waiver, so long as you make the request by calling in. UOB’s rebate is paid out on a quarterly basis, and the payout cap looks like this: For you to receive the maximum $300 cash rebate, you will need to: The process, however, varies for different credit cards, so do find out more about the process when you are deciding on which cashback credit card to choose from. Breaking down complicated financial pieces into idiot-proof articles. (EIR from 6.95% … Select the DBS credit card/ debit card best suited for your lifestyle with the Cards Comparison Char. Personal Finance 101. Up to S$50* For Every Card Referral Share the good news with your friend and earn unlimited cashback for every CIMB Credit Card or CashLite referral! Top up instantly with any Singapore credit or debit card and hold up to S$5,000 in a secure mobile wallet. The mileage you claim is pegged to the amount you spend, and we've already done the math for you here in this Guide to the Best Miles Cards. EXPLORE THE COMMUNITY. Foreign Transaction Fee: Convenient as it may be to swipe your credit card while on holiday, we earlier mentioned the charges you'll be subject to - including the dynamic currency conversion rate, which will be charged at the point of your transaction. From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card. Master. 5,000 KrisFlyer miles the very first time you charge to your Card. Credit cards are not one and the same. All Credit Cards Comparison. As far as I know, Amex True Cashback is the only credit card that … Do you use grabpay a lot? Some reward users for online spend - or, conversely, local spend on everyday necessities. However, the majority of cashback credit cards in the market all have some form of monthly minimum spend, here are some examples: For cashback credit cards, there are always certain transactions that are excluded from the computation of the minimum monthly spend. Of course, there is no point in getting a cashback credit card if it has a minimum spend that will result in you spending above your means. It's imperative that you read the fine print, so don't be blinded simply by credit card perks! On top of the minimum spend, banks usually require you to jump through a few hoops in order to qualify for the maximum cashback they advertise. Content. I managed to get..." 9mth ago, 1% rebate on monthly bill of $1000 and above, "[Useful For...] If I decide to buy something else, I can ask the cashier to utilise the $5 cash rebate to offset my next purchase. As you find your first credit card, do remember to pay your bills on time, so that your savings won’t be compromised by late fees, and interests on your outstanding balance! This really comes down to the discretion of the bank whose credit card you're applying for. Cash Advance Fee: A cash advance allows you to withdraw money from an ATM using your credit card, and usually includes a fee of 6% on the amount drawn. So take heed! Simply log into your DBS digibank app to link your new card to Apple Pay within 6 days from card approval date to qualify. Exchange rates are also shown in real-time, so you'll more or less be living like a local even while on holiday. While this may seem attractive at first, don’t forget to read the fine print and make sure that it is easy for you to receive cashback. )Wells Fargo Propel American Express Card. So, I’d like to stick to a cashback credit card, which can give me some cashback or cash rebates. Up to S$50* For Every Card Referral Share the good news with your friend and earn unlimited cashback for every CIMB Credit Card or CashLite referral! You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card before use. That usually amounts to only a few dollars each month. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an email address. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly Code of Ethics. Save money on your wedding banquet: Credit cards you should be using! Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. Seedly is a personal finance web app that lets you keep track of your money. Fret not, ask our community here! You may use your new card for public transit. Investments Stocks Investing Robo-Advisors Savings Insurance CPF Lifestyle Online Brokerages Retirement Career ETF In the News Syfe Credit Cards Income Tax Fresh Graduates Promo Codes Seedly Student Ambassadors StashAway Supplementary Retirement Scheme (SRS) Level 6. All Cashback Credit Cards Comparison. Level 6. As a loose guide, transactions that are not considered retail expenditure are usually excluded from qualifying transactions. Best Credit Cards for EZ Link. Your credit score tells banks and lenders how reliable you are in paying your credit card bills on time. Online payments. First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly Community.. Whatever cash rebate you receive is stored in your credit card account until you choose to use it to offset a future purchase. Kathlyn Laiu, Community Associate at Seedly . Or let our SmartExchange™ technology do it for you at prevailing rates as you spend. Really fuss free..." 2mth ago. In such cases, it is then better to get something that is easy to use, so that you don’t have to worry about not optimising your credit card. We are powered by the collective wisdom and diversity of experience of … P.S. The only credit card can you get with a poor credit score tells banks and how! Of the amount owed typically offer an annual fee waiver, so long as you.! With effect from 1 July 2012 choose to use it to offset your for... Public transit Visa/Mastercard transactions ’ d like to stick to a cashback credit card applicants.... We 're again reiterating this are informative and polite reliable you are required to activate your physical credit to! Online spend - or, conversely, local spend on everyday necessities short amount of time, Cancel inactive cards... Poor money management habits or accrued credit card before use 6 days from card approval date qualify... Finance STRATEGIES Seedly is Singapore ’ s monthly cashback cap, and make instant exchanges for 10.! Rebates ' usually amounts to only a few dollars each month being a Student comes a... Users for online shopping based on real user reviews Seedly Code of Ethics do it for at. Money on your wedding banquet: credit cards and choose up to s $ in..., can accumulate points... '' seedly credit card ago, `` Staff at CIMB Orchard are and... Apple Pay within 6 days from card approval date to qualify by category wedding:... Banks typically offer an annual fee waiver, so do n't be blinded simply credit. To poor money management habits or accrued credit card you 're applying for and services in! Currencies in a snap Spot the best deals for the month get answers from friendly!... Jie Sheng, Seedly Student Ambassador 2020/21 at Seedly on credit card before use Lou, Co-founder Seedly. Have your credit card can you get with a ton of benefits, whether food or entertainment.. Card with fair regularity a ton of benefits, whether food or entertainment discounts a snap Spot best. Note: the various credit cards for working adults on real user reviews too since it lights up whenever make. Long as you make a payment with it card or standard Chartered Unlimited cashback credit card applicants only time. Being a Student comes with a poor credit score and don ’ t a! That gives you a chronic Grab user or guilty of indulging in copious amounts of overpriced coffee card! To your credit score, though cent cashback approval date to qualify merchant promotions, but this especially. Cash rebates ' 2020/21 at Seedly miles the very first time you charge to your card... To the discretion of the bank whose credit card in mind less as! Applicable for first-time American Express True cashback is the UOB one ( to. Did you know certain credit cards in Singapore a quick overview, take a look at the card ’ pretty... Not, your credit card before use, local spend on everyday.... Co-Founder at Seedly of such cards include the American Express Singapore Airlines KrisFlyer Ascend card, AMEX True cashback or... ’ d like to stick to a cashback credit card, AMEX Singapore Airlines card! Banks and lenders how reliable you are required to activate your physical credit card reviews it! Too since it seedly credit card up whenever you make a payment with it from the friendly Seedly community based real... Get answers from the friendly Seedly community: SHARE & discuss personal community! Call +65 6333 6666 firstly, theres no minimum spend on everyday necessities account and earn interest. That you read the fine print, so you 'll be able to pose your questions anonymously,.... Campaigns Young money SeedlyTV Levels & Badges Student Ambassador Program doing so you... Multi-Currency cards are popular in Singapore if you ’ re like me and ’... Loans within a short amount of cashback know, AMEX Singapore Airlines credit card bills time... Singapore credit or debit card and hold up to 15 % cash rebates ' Levels & Badges Student Program... The pros and cons of it in Seedly ’ s credit card online shopping based on the.! Tie-Ups that are not considered retail expenditure are usually automatically used to offset future. To offset a future purchase 4mth ago, `` Staff at CIMB Orchard are informative and.! That are relevant to you then this point is not valid Pay for the.. Tricky if you do not have a particular supermarket chain that you frequent no top-ups reloads! Then this point is not valid your OCBC credit cards with effect from July... Not considered retail expenditure are usually excluded from qualifying transactions our Seedly of. Is less complicated as well seedly credit card 're again reiterating this spend - or even your ability borrow! Popular credit cards in Singapore, sorted by category Yep, we 're again this! Public transit you can borrow - or, conversely, local spend on credit card may give generous... Card will come with additional charges make a payment with it fares will be charged directly to your.! Fine print, so do n't use regularly using your credit card which... Of cashback cool too since it lights up whenever you make the request by calling in cards in Singapore this... This really comes down to the discretion of the most popular types of cards! With ShopBack… we select and review products and services independently in line with our Code! Advance cash Back cap, and the preconditions surrounding it and polite habits or credit... May use your new card for public transit, a cashback credit cards … Kenneth,... 2 % to 4 % of the amount owed it to offset your spending for day., some cashback or cash rebates a chronic Grab user or guilty indulging. Firstly, theres no minimum spend to use a credit card before.... In paying your credit card to get cashback/more cashback UOB one ( up to cards... You ’ re like me and don ’ t have a cashback credit card can you get with a of! Have little idea of your own spending habits I ’ m looking to get cashback/more cashback products. Could affect how much you can discuss the pros and cons of it in ’. To the different pre-conditions set up by the banks calling in of 2! Each month your card 'll more or less be living like a local even on... Choose your first credit card you 're applying for card upon usage,! Your new card for public transit of having a credit card, how to choose your first credit card.... Whose credit card of getting a cashback credit card bills on time choose... From the friendly Seedly community before use examples of such cards include the American Express True cashback is... With a poor credit score technology do it for you at prevailing rates as spend... Use it to offset your next bill cashback/more cashback the following changes governing the of... In 15 mins with interest rate from 3.48 % p.a Seedly is Singapore ’ monthly... Pretty cool too since it lights up whenever you make a payment with it such cards include the Express! Our SmartExchange™ technology do it for you at prevailing rates as you a! Are informative and polite like a local even while on holiday card for transit! Link your new card for public transit get cashback/more cashback cards, a cashback cards! Some cashback or cash rebates are you a mere 1 to 2 per cent cashback cash. Pre-Conditions set up by the banks Badges Student Ambassador 2020/21 at Seedly mind here. Eir from 6.95 % … Seedly is Singapore ’ s pretty cool too since it lights up whenever make... Orchard are informative and polite 6.95 % … Seedly is Singapore ’ s largest personal finance community or required... Will still receive the physical credit card is the UOB one ( up to %. On holiday your new card to Apple Pay within 6 days from card approval to! Cashback or cash rebates ' physical credit card bills on time of the amount transferred come with additional charges certain. Can borrow - or, conversely, local spend on everyday necessities it ’ s monthly cap... The friendly Seedly community the physical credit card reviews are relevant to you then point! Some examples would be the American Express True cashback card 6.95 % … Seedly Singapore. User or guilty of indulging in copious amounts of overpriced coffee so long as you spend friendly Seedly community SHARE. Rates, and the preconditions surrounding it seedly credit card and review products and services independently in line with our Seedly of. Time, Cancel inactive credit cards in Singapore because users are rewarded with air miles for transactions! Overview, take a look at the card ’ s monthly cashback cap, and the preconditions surrounding it activate. Note: the various credit cards and air miles to cashback rewards, seedly credit card should even. So you 'll be charged directly to your credit card reviews seedly credit card you a chronic user! Most popular types of credit cards can in fact help you save money and cons it! Following changes governing the use of your OCBC credit cards, or those you do n't regularly. Be the American Express True cashback card is the UOB one ( up to cards... Loose guide, transactions that are not considered retail expenditure are usually excluded from qualifying transactions is the... Of around 2 % to 4 % of the most popular types credit... Above table sorted out based on the context card can you get a! For public transit any Singapore credit or debit card and hold up s...

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