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Ace this credit card quiz by SG Budget Babe

With so many credit cards out there, do you really know which credit card is best for which purpose? Take this quiz to test your knowledge and check if you’re using your credit cards right!

(Hint: all answers can be found on our Finder comparison tool here.)


Q1: Which credit card should you use to pay for your McDonald meals if you only spend $650 every month?

  1. CIMB Platinum
  3. OCBC 365
  4. POSB Everyday

Answer: UOB YOLO offers 8% cashback with a minimum spend of $600. The rest may offer a higher cashback rate, but you will need to spend at least $800 to enjoy the offer.
Q2: Which card gives you the best cashback for your Prudential insurance premiums?

  1. Standard Chartered Prudential Platinum Card
  2. UOB Delight
  3. HSBC Advance
  4. Citi SMRT

Answer: UOB Delight gives you 3% cashback on your insurance premiums with Prudential.

Q3: Your total credit card bill each month is $800, of which you spend $400 each month on your groceries. Which card should you use for shopping at Sheng Siong?

  1. CIMB Visa Signature
  2. BOC Sheng Siong
  3. Citi SMRT
  4. Citibank Cash Back +

Answer: CIMB Visa Signature may have the highest rate of 10%, but it is capped at $20 for your grocery spend. Thus, the best card in this scenario would be BOC Sheng Siong, which gets you $24 of cashback for shopping at Sheng Siong.

Q4: You do most of your shopping online. Which card is the best for you?

  1. Maybank Family and Friends
  2. Standard Chartered Spree
  3. DBS Live Fresh

Answer: DBS Live Fresh gives you 5% cashback for online and Visa contactless transactions if you spend $600 a month.

Q5: You frequently top up your petrol at Caltex kiosks. Which card is best?

  1. DBS Live Fresh
  2. MayBank Family and Friends
  3. OCBC 365
  4. BOC Family

Answer: OCBC 365 gives you 18% discount off ll Caltex Techron fuels and 5% cashback on your fuel spend if you hit $800 in minimum monthly spending.

How many did you get right? If you found this quiz hard, don’t fret! The best credit card for you depends on your spending habits, so check out our comparison here to find the best card for your needs.

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