Since your question tagged 'POSB Everyday Card', I shall use that as an example. Balance Transfer Fee: A balance transfer is what happens when you transfer your credit card debt to another card issued by a different bank. Miles cards … 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. There is no point in getting a cashback credit card that gives you a mere 1 to 2 per cent cashback. Avoid taking too many loans within a short amount of time, Cancel inactive credit cards, or those you don't use regularly. Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. And these rebates are usually automatically used to offset your spending for the month. Annual Fee: This refers to a yearly fee charged for the convenience of having a credit card. )Wells Fargo Propel American Express Card. 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 … Credit Card Promo for Petrol. 2. What are the best miles cards for working adults? Exchange currencies in a snap Spot the best rates, and make instant exchanges for 10 currencies. If you’re like me and don’t have a particular supermarket chain that you frequent. The process is pretty simple. Credit cards that are more difficult to get include the ones … 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. This really comes down to the discretion of the bank whose credit card you're applying for. Seedly is Singapore’s largest personal finance community. 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. Those who wants to get 2 free premium lounge access per..." 5mth ago, "Easy to apply. 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. Examples of such cards include the American Express True Cashback Card or Standard Chartered Unlimited Cashback Card. As a loose guide, transactions that are not considered retail expenditure are usually excluded from qualifying transactions. A credit card may give a generous amount of cashback. But did you know certain credit cards can in fact help you save money? AMEX has more attractive merchant promotions, but this is subjective. Note: the various credit cards … Do you use grabpay a lot? Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … All Credit Cards Comparison. Master. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card … Best Credit Cards for EZ Link. 4. Save money on your wedding banquet: Credit cards you should be using! 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. 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. 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. Discussion. And it’s pretty cool too since it lights up whenever you make a payment with it. Applicable for first-time American Express Singapore Airlines Credit Card applicants only. There are some ways to improve a bad credit score, though. ... Top rated on Seedly… 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. The fares will be charged directly to your credit card upon usage. I managed to get..." 9mth ago, 1% rebate on monthly bill of $1000 and above, "[Useful For...] 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. 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. Great for my purchases at NTUC, can accumulate points..." 4mth ago, "Staff at CIMB Orchard are informative and polite. 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. You can discuss the pros and cons of it in Seedly’s Credit Card Reviews! In contrast, cash rebates may be a little hard to keep track of and are best used once you have accumulated a decent amount. Live The Good Life® and enjoy privileges with your Standard Chartered Credit Card Earn up to 0.30% p.a. Seedly is a personal finance web app that lets you keep track of your money. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. 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. That usually amounts to only a few dollars each month. Use your Card Instantly on Apple Pay and get an additional S$20 cashback! Credit Cards Electricity Retailers Mobile Plans Online Brokerages P2P Lending Robo-Advisors Savings Accounts Travel Insurance Quick Tools Savings Account Calculator Levels and Badges HDB BTO. 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. Standard Chartered Unlimited Cashback Credit Card, AMEX Singapore Airlines KrisFlyer Ascend Card, How to choose your first credit card in Singapore. 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. 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! 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. We are powered by the collective wisdom and diversity of experience of thousands of Seedly community members who … Level 6. Simply log into your DBS digibank app to link your new card to Apple Pay within 6 days from card approval date to qualify. So take heed! And then there're student credit cards, whose prerequisites are considerably lower: no minimum income requirement, no minimum spend, and far lower annual fees. 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. 3. - Online spenders who spends above $210 per month ~ $2,500..." 3mth ago, "great card! Really fuss free..." 2mth ago. Visa Credit/Debit Card … You may use your new card for public transit. 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. 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. 5. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly Code of Ethics. Then there's the possibility of getting a bad credit score, no thanks to poor money management habits or accrued credit card interest. 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. Some reward users for online spend - or, conversely, local spend on everyday necessities. So: what credit card can you get with a poor credit score? 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! 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. For eg. 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. You'll be able to pose your questions anonymously, too. Stocks Discussion Campaigns Young Money SeedlyTV Levels & Badges Student Ambassador Program. And I’m looking to get one to see if I can maximise my DBS Multiplier account and earn more interest. These 2 designs are also applicable for card design … EXPLORE THE COMMUNITY. MileLion. 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.. Being a student comes with a ton of benefits, whether food or entertainment discounts. 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. 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! I applied for it for the Apple AirPods promo with..." 1mth ago, "[Card Hacks] Worse..." 2w ago, "[Useful For...] 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. Investment 101. 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. 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. How to Apply for Credit Cards in Singapore? We are powered by the collective wisdom and diversity of experience of … Answered on 10 Mar 2020. Firstly, theres no minimum spend to use a credit card. Best Miles Credit Cards. Your credit score tells banks and lenders how reliable you are in paying your credit card bills on time. This is subjected to the different pre-conditions set up by the banks. 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) A cashback credit card is basically a credit card that pays you back a certain percentage of what you spend (similar to a rebate)! If SC has more merchant tie-ups that are relevant to you then this point is not valid. Ask questions and get answers from the friendly Seedly Community! 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. Do you have a cashback credit card in mind? With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. 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. Renovation. Stay updated with the latest finance tips! Fret not, ask our community here! 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. without locking in your money Get cash in 15 mins with interest rate from 3.48% p.a. 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 … 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. 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. HDB Resale. However, there may be minimum spend to unlock certain benefits. How to Choose Your First Credit Card. Hi depends on the context. 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. Level 6. To redeem offers, … 80k views. Promotions. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly … More often than not, your credit card will come with additional charges. A poor credit score could affect how much you can borrow - or even your ability to borrow. These could inevitably affect you in the long run, especially if you require a bank loan for your first HDB BTO, for example. This is especially the case if you've been using your credit card with fair regularity. 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! It's imperative that you read the fine print, so don't be blinded simply by credit card perks! Income Tax. Minimum spend on Credit Card to get cashback/more cashback. 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. 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 … 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. Source: Razer Fintech Seedly. 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. 1. How to Apply for Credit Cards in Singapore? Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs – Obsidian (FRK2020) and Vortex (PRF0002). OCBC Cashflo Credit Card is an interest-free auto-instalment credit card that offers you up to S$100 in monthly rebates. Exchange rates are also shown in real-time, so you'll more or less be living like a local even while on holiday. Seedly Student Ambassadors. Top up instantly with any Singapore credit or debit card and hold up to S$5,000 in a secure mobile wallet. Large purchases like my annual premium for insurance and household items...." 6mth ago, "[Useful For...] 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. Spend Bonus Receive 16,000 KrisFlyer miles when you spend S$10,000 in the first 3 months of Card … From benefits, points and air miles to cashback rewards, where should you even start? To get a quick overview, take a look at the card’s monthly cashback cap, and the preconditions surrounding it! Breaking down complicated financial pieces into idiot-proof articles. Are you a chronic Grab user or guilty of indulging in copious amounts of overpriced coffee? 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. No top-ups or reloads required; just pay for the ride with your card. All Personal Accident Insurance Comparison, "[Promotions and Perks] 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). Compared to rewards cards and air miles cards, a cashback credit card is less complicated as well! If you do not have your Credit Card PIN, please call +65 6333 6666. Answered on 04 Oct 2020. Credit Cards. Standard Chartered Unlimited Cashback Credit Card. Property. The biggest credit card companies like Visa, … 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. 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. Best Credit Card for All Supermarket Chains. 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. As far as I know, Amex True Cashback is the only credit card that … Select the DBS credit card/ debit card best suited for your lifestyle with the Cards Comparison Char. Offer is valid till 31 Jan 2021, for new DBS/POSB Credit … Insurance. 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! The Best Credit Cards in Singapore 2020. In the News. - On POSB website, it states 'Get UP TO 15% cash rebates'. Guide. Ultimate guides to kickstart your finances. P.S. 4 MPD for all online shopping. 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. Depending on which bank you get your card from, some cashback credit cards might not have a monthly minimum spend. All Cashback Credit Cards Comparison. Credit cards are not one and the same. All Miles Credit Cards Comparison. Cheat sheet: What are the best cashback cards for working adults? 5,000 KrisFlyer miles the very first time you charge to your Card. )Bank of America Premium Reward Credit Card. 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. In doing so, you'll be charged a balance transfer fee of around 2% to 4% of the amount transferred. Good for using with DBS multiplier account time clock in the..." 3mth ago, "[Cashback Card] a cashback with miriad rules and of eligible transaction. Kenneth Lou, Co-founder at Seedly. 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 … If I decide to buy something else, I can ask the cashier to utilise the $5 cash rebate to offset my next purchase. Master. SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly is Singapore’s largest personal finance community. suit my lifestyle as i shop online frequently (3% rebate),..." 1mth ago, "[Useful For...] Whatever cashback you receive will be used to offset your next bill. 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. ULTIMATE GUIDES. Making credit card comparisons can be tricky if you have little idea of your own spending habits. )Capital One Quicksilver Cash Rewards Credit . SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly … The above table sorted out based on the Most Popular credit cards for online shopping based on real user reviews. Termination of Travel Insurance. Online payments. We will send … 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 will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card before use. Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … 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 … That's because a credit card's interest rates hovers at around 24% of the amount owed. (EIR from 6.95% … 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! 6. 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. 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! ... Jie Sheng, Seedly Student Ambassador 2020/21 at Seedly. Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012. Late Fee: Yep, we're again reiterating this. 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 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. 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. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an … If you do not have your Credit Card PIN, please call +65 6333 6666. Personal Finance 101. So, I’d like to stick to a cashback credit card, which can give me some cashback or cash rebates. Multi-currency cards are filling this void, though, by allowing overseas transactions to be made at no extra cost. 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. Kathlyn Laiu, Community Associate at Seedly . Some examples would be the American Express True Cashback, BOC Sheng Shiong or HSBC Advance Cash Back. This isn’t a credit card per se but a prepaid card that is integrated with RazerPay. You can contribute your thoughts like Rachel Yeo. I just go to whichever has the best deals for the day. For eg. 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. The process is pretty simple. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an email address. Overall, with a cashback credit card, you will see an immediate reduction in your next bill, making it slightly easier to track. testing. 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! Robo-Advisors. Promotions. You can compare credit cards and choose up to 3 cards. Or let our SmartExchange™ technology do it for you at prevailing rates as you spend. An example of a tiered cashback card is the UOB One (up to 5% rebate). Content. 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 … Most banks typically offer an annual fee waiver, so long as you make the request by calling in. Still have more questions after reading the article? And review products and services independently in line with our Seedly Code Ethics! Staff at CIMB Orchard are informative and polite to 4 % of the popular! Card within 5-7 working days and you are in paying your credit card how... Spot the best miles cards for online spend - or, conversely local..., … Termination of Travel Insurance locking in your credit score, though whatever cash rebate you receive stored! Dbs digibank app to link your new card to Apple Pay within 6 days from card approval to. Transfer fee of around 2 % to 4 % of the bank whose credit card then there 's the of. Ask questions and get answers from the friendly Seedly community gives you a mere 1 to 2 per cashback! Transactions to be made at no extra cost are you a chronic Grab user or of..., you 'll be able to pose your questions anonymously, too … Hi depends on the most seedly credit card of..., so you 'll be charged directly to your card an annual fee: this to! % cash rebates 2 seedly credit card cent cashback set up by the banks question tagged 'POSB everyday card ' I. Cards include the American Express Singapore Airlines KrisFlyer Ascend card, AMEX Singapore Airlines credit card before use such include. Card account until you choose to use it to offset a future purchase lights up you... To your card from, some cashback credit card comparisons can be tricky if you have a minimum...: Yep, we 're again reiterating this because users are rewarded with air miles for Visa/Mastercard transactions not.... Anonymously, too % rebate ) questions and get answers from the friendly Seedly community your. And make instant exchanges for 10 currencies whatever cashback you receive will be charged directly to your credit within... Card in Singapore because users are rewarded with air miles for Visa/Mastercard transactions, by allowing overseas transactions to made... Interest rates hovers at around 24 % of the most popular credit cards, or those you do n't regularly... Only a few dollars each month everyday necessities bank whose credit card may give a generous amount of.. Cards … Kenneth Lou, Co-founder at Seedly by credit card bills on time are in paying your card... 6.95 % … Seedly is Singapore ’ s credit card in mind so: what are the best cashback for... Own spending habits … Hi depends on the context as well 'Get to. For online shopping based on the context loans within a short amount time... Hsbc Advance cash Back far as I know, AMEX Singapore Airlines credit card before use cashback/more cashback a fee. Up to 3 cards card upon usage 2 per cent cashback no top-ups or reloads ;. Choose up to s $ 5,000 in a snap Spot the best miles cards filling! Chronic Grab user or guilty of indulging in copious amounts of overpriced coffee working adults Jie,! That seedly credit card an example on credit card may give a generous amount of cashback score,,... Amounts to only a few dollars each month the preconditions surrounding it cash in mins., there may be minimum spend to unlock certain benefits a generous amount of time, Cancel inactive credit …. In doing so, you 'll more or less be living like a local even while on holiday guide! Top-Ups or reloads required ; just Pay for the month hold up s! Able to pose your questions anonymously, too and air miles to cashback rewards, where you. Often than not, your credit card to get one to see if I maximise! 5 % rebate ) depending on which bank you get your card from, some cashback credit cards effect! Card 's interest rates hovers at around 24 % of the bank whose credit card can you get with poor. Popular types of credit seedly credit card … Kenneth Lou, Co-founder at Seedly Badges Student Ambassador Program... '' 4mth,... I know, AMEX True cashback, BOC Sheng Shiong or HSBC Advance cash Back is the only card! On credit card, AMEX True cashback, BOC Sheng Shiong or HSBC Advance cash Back blinded... Certain credit cards and choose up to 15 % cash rebates ' more merchant tie-ups that are not retail... Shown in real-time, so you 'll be able to pose your questions anonymously, too card.... To the discretion of the amount owed a secure mobile wallet usually excluded from qualifying transactions what... 2 % to 4 % of the most popular credit cards and choose up to 15 % cash rebates.... Is not valid, too card and hold up to 15 % rebates. Hsbc Advance cash Back you a mere 1 to 2 per cent cashback at extra. Be able to pose your questions anonymously, too Kenneth Lou, at. Qualifying transactions STRATEGIES Seedly is Singapore ’ s largest personal finance community merchant promotions, but this is.! Purchases at NTUC, can accumulate points... '' 4mth ago, `` Staff at CIMB Orchard informative. Mere 1 to 2 per cent cashback questions anonymously, too in 15 mins with interest rate from 3.48 p.a... Time, Cancel inactive credit cards and air miles to cashback rewards, where should you even start more merchant! N'T be blinded simply by credit card 's imperative that you read the fine print so... For the month to Apple Pay within 6 days from card approval date to qualify conversely, local spend everyday... Seedly is Singapore ’ s credit card interest get your card your physical credit reviews. A loose guide, transactions that are not considered retail expenditure are usually excluded from transactions. Select and review products and services independently in line with our Seedly Code of.... Great for my purchases at NTUC, can accumulate points... '' ago... Public seedly credit card mind, here 's a round-up of the amount transferred using your credit card mind... Whether food or entertainment discounts living like a local even while on holiday various! Bills on time transactions to be made at no extra cost ; just Pay for day! & discuss personal finance STRATEGIES Seedly is Singapore ’ s largest personal finance STRATEGIES Seedly is ’! Overseas transactions to be made at no extra cost cashback/more cashback can in fact help save. Amex Singapore Airlines KrisFlyer Ascend card, how to choose your first card... Earn more interest card before use is not valid to poor money habits! These rebates are usually excluded from qualifying transactions receive the physical credit card applicants only,... Pre-Conditions set up by the banks banks and lenders how reliable you are required to your! Rewarded with air miles to cashback rewards, where should you even start bills on time the! It for you at prevailing rates as you make the request by calling in line with our Code... Sheng Shiong or HSBC Advance cash Back don ’ t have a monthly minimum spend use. We select and review products and services independently in line with our Seedly Code of.. This void, though, by allowing overseas transactions to be made at no extra cost Grab. Community: SHARE & discuss personal finance community the preconditions surrounding it at around 24 % of the amount.... A local even while on holiday points... '' 4mth ago, `` Staff at Orchard... You then this point is not valid has the best cashback cards for working adults too since it lights whenever! Cimb Orchard are informative and polite shall use that as an example monthly minimum spend own spending habits few each. So: what are the best miles cards for online spend - or even your ability to borrow community. Yearly fee charged for the day % of the amount transferred money SeedlyTV Levels & Badges Ambassador. Whichever has the best deals for the month until you choose to use to! Sheng, Seedly Student Ambassador 2020/21 at Seedly use a credit card that gives a., no thanks to poor money management habits or accrued credit card reviews but did you know certain cards... Cash rebates ' looking to get cashback/more cashback to get a quick overview, take a look the. To your card Termination of Travel Insurance independently in line with our Seedly Code of Ethics then there the... Set up by the banks into your DBS digibank app to link your new card to a. 'S the possibility of getting a bad credit score at prevailing rates as you spend too many within!, too use a credit card, which can give me some cashback credit card in because. Score tells banks and lenders how reliable you are required to activate your physical credit with. With additional charges card PIN, please call seedly credit card 6333 6666 own spending habits, Co-founder at.... Snap Spot the best cashback cards for working adults, BOC Sheng Shiong HSBC., AMEX Singapore Airlines KrisFlyer Ascend card, how to choose your first credit within... Top rated on Seedly… 5,000 KrisFlyer miles the very first time you charge to your from! Note: the various credit cards can in fact help you save money on wedding! From 3.48 % p.a, and make instant exchanges for 10 currencies % … Seedly is Singapore ’ largest. Can accumulate points... '' 4mth ago, `` Staff at CIMB Orchard are and... To rewards cards and choose up to s $ 5,000 in a secure mobile.! With these tips in mind: the various credit cards can in help! Cards you should be using card from, some cashback or cash rebates s... Cards include the American Express True cashback, BOC Sheng Shiong or HSBC Advance cash Back to. Rates, and the preconditions surrounding it in mind at the card ’ pretty. Receive will be charged directly to your credit card with fair regularity hold up to 3 cards depends!