Owning a credit card is something that most Singaporeans have for its benefits, but how do you know that you are getting the most bang for your buck with that movie deal or that buffet dinner? With the plethora of credit cards in the market, finding a suitable credit card for your lifestyle needs may be daunting. Therefore, we have rounded up the best credit cards for you, which offers the best deals for your lifestyle, so you do not need to do it. So, get the most out of your travels, shopping, entertainment and more, with this guide.
Psst! Even if you already own a credit card, you can consider signing up for another one! Promotions varies from company to company, and you may score a deal with another card!
Cards selected was chosen from SingSaver’s comparison tool. Here are the top 7 credit cards for your different lifestyle needs.
1) For The Gourmand, Shopaholic and Movie Buff
Upsize your rewards with the Standard Chartered Rewards+ Credit Card for overseas and Singapore use. With 10X reward points for every $1 spent in foreign currency transactions, 5X reward points for every $1 spent on local dining, and 1 reward point for all other spending. These accumulated points can be converted to cash rebates or even flight miles. Besides reward points, the Standard Chartered Rewards+ also offers 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes and exclusive dining privileges of up to 50% off at The Fullerton Hotel Singapore and The Fullerton Bay Hotel. Now, you can impress your date while you save! For those who use their cards for Grab rides in Singapore and overseas before 31 December 2018, you can also enjoy up to 15% off on your Grab booking.
Application Benefits: $100 cash back for new customers and $20 cash back for existing customers. This promotion ends 31 Jan 2019.
SingSaver Bonus Benefit: Additional $50 cash for new customers and $20 cash for existing customers. This promotion ends 31 Oct 2018.
For more information: Click Here
2) For The Travel Enthusiast
If you travel frequently, Citibank’s PremierMiles Visa Card would tickle your fancy. Earn 1.2 Citi miles per $1 local spend whereby 1 Citi miles = 1 mile with Krisflyer, Asia Miles, etc. Double up your earned miles overseas with foreign currency spent on retail purchases with Citibank’s current promotion from 10 October – 31 December 2018. Besides earning miles for your next flight, hotels, rewards or cash rebate, the PremierMiles Visa Card also offers complimentary access to over 600 airport VIP lounges twice a year with Personalised Priority Pass membership card. Also, receive complimentary Travel Accident Insurance on your travels.
Application Benefits: Get 30,000 bonus miles with annual fee payment + spend a min. of $7,500 within the first 3 months for new applications. This promotion ends 31 Oct 2018.
SingSaver’s Bonus Benefit: Additional $200 NTUC/Takashimaya/Grab vouchers for new customers and $50 NTUC vouchers cash for existing customers. This promotion ends 31 Oct 2018.
For more information: Click Here
For those who love travelling luxuriously, specifically on Singapore Airlines, apply for the AMEX Singapore Airlines KrisFlyer Ascend Card and pamper yourself with great savings. Enjoy one night complimentary stay at any of the 101 Hilton Properties in Asia Pacific, and four complimentary lounge access passes to any participating SATS Premier and Plaza Lounge every year. Also, if you spend S$10,000 within 3 months of your card approval, you can receive 43,000 KrisFlyer Miles! Enough to redeem an Economy Class ticket to Maldives!!!!!!
Application Benefits: Get 5,000 miles upon first spend and S$10,000 within 3 months of card approval and receive 26,000 bonus miles + 12,000 on 1.2 earn rate. This promotion ends 31 Oct 2018.
SingSaver’s Bonus Benefit: Additional $150 cash for both new and existing customer. This promotion ends 31 Oct 2018.
For more information: Click Here
3) For The Economical Singaporean
For savings on your daily expenditures such as groceries, bills, fast food, movies and more, enjoy up to 5% savings on Citibank’s SMRT Card with a minimum monthly spend of $300. Do your grocery shopping at FairPrice Xtra Kallang Wave and get 7.3% savings! Also doubling up as a transportation card, manually topping up your EZ-Link card is no longer necessary as the card offers an EZ-Reload feature with 2% savings with each top up. All accumulated savings go to SMART$ points, which can be redeemed for cash rebates, rides and shopping vouchers. You can earn a maximum of SMRT$600 annually.
SingSaver’s Bonus Benefit: Additional $200 NTUC/Takashimaya/Grab vouchers for new customers and $50 NTUC vouchers cash for existing customers. This promotion ends 31 Oct 2018.
For More Information: Click Here
For those who drive, apply for Citibank’s Cash Back Visa Card and enjoy fuel savings of up to 20.88% at Esso and Shell. This cash back card also offers 8% cash back on Grab, dining, groceries and fuel worldwide. Cash back is capped at S$25 per category per statement month, with a minimum spend of $888 per month.
SingSaver’s Bonus Benefit: Additional $200 NTUC/Takashimaya/Grab vouchers for new customers and $50 NTUC vouchers cash for existing customers. This promotion ends 31 Oct 2018.
For More Information: Click Here
4) For That Big Ticket Purchase
Those who wish to get more discounts on your expensive purchases can also apply for the HSBC Advance Card. Receive 2.5% cash back for expenditures more than $2000 a month, or 1.5% for spending below $2000. If you are a HSBC Advance banking customer, you will gain an additional 1% cash back too! Cash back is capped at $70 per calendar month, or $125 per calendar month if you are a HSBC Advance banking customer. So if you are eyeing that new iPhone or that computer, it may now be the right time to buy it. *wink
SingSaver’s Bonus Benefit: $150 cashback for new customers and $100 cashback
for existing customers, upon $600 spend in first 30 days. This promotion
ends 31 Oct 2018.
For more information: Click Here
If you are an extravagant spender and the Advance Card does not fulfil your needs due to its cap, consider the AMEX True Cashback Card. At 1.5% cash back with no cap and no minimum spend, receive greater cash back for your purchases if you spend above $4,667.
Application Benefits: 3% cashback on up to a total of S$5,000 spend for the first 6 months for both new and existing customer. This promotion ends 31 Dec 2018.
SingSaver’s Bonus Benefits: Additional $150 cash for both new and existing customer. This promotion ends 31 Oct 2018.
For more information: Click Here
SingSaver’s Exclusive Bonus Benefits
To enjoy SingSaver’s Bonus Benefits, apply for your cards directly through SingSaver. More information on promotions and cards can also be found on the website! For those who have applied for the cards, do not forget to fill up the gift redemption form to register for SingSaver’s exclusive benefits!
We have provided a table as a summary of the discounts exclusive to SingSaver for the respective banks below.
*All promotions are valid till 31 October 2018 and subjected to T&Cs.
