Applying for a credit card for the first time: 3 must read tips | Finder Singapore
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How To Apply For Your First Credit Card

Your first credit card could be the gateway to building your credit and opening up your financial options.

You may have decided to apply for your first credit card for a range of reasons. Maybe you’ve decided that you want to establish a credit history, and know that one of the easy ways to do that is by having a credit card. They can also be really handy for meeting the up-front cost of various transactions, such as reserving a hotel room, paying for meals out or spreading the cost of larger purchases.

Use this guide to find out what you need to know before making your first-time credit card application.

3 questions to ask before you apply for your first credit card

Before you apply for a credit card that meets your needs, keep in mind that there will be a lot of considerations to make. Some of the initial questions to ask yourself include:

1. Do I have a credit history?

Generally, a bank will only accept credit card applications from people who can prove they have been responsible when managing credit in the past. That said, more leniency is often given to those who are applying for a credit card for the first time, such as students who won’t have had much time to build up a credit history. If you do have concerns about your credit, there are steps to take to improve your score. Our guide has more details.

2. Is my income stable?

Banks and financial institutions would screen your personal details before they grant you a new credit card. They could ask you to submit numerous documents for your application, so you have to be prepared. Factors typically considered include your salary and providers will often ask you to show your last three months’ payslips.

    3. Can I pay back everything I borrow?

    Taking out a credit card can be the first step in opening up your financial options in the longer term. If, for example, you ever wanted to be able to apply for a personal loan or a home loan, you can do so much easier by applying for a credit card as your initial step. However, if you don’t use your credit card with a great deal of care, you could be exposed to debt problems and long-term credit issues. One of the first steps to ensure the sensible management of your credit card is to meet the card’s minimum payment each month (ideally, you should aim to pay back the debt in full by each bill’s due date).

    What else might I want to think about?

    • I’m a student.
      If you are a student many credit card companies offer a first credit card. Check out some student credit card options. This card will probably have a low limit to help ensure that you do not overspend. See some low credit limit credit cards.
    • I don’t want to change banks.
      Your current bank may have a credit card they offer to their patrons. It may require that you keep at least one open account as long as you have the credit card.
    • I want to be rewarded as I spend.
      When used sensibly, credit cards offer a great way to get something back on your everyday spending. For example, there are a number of credit cards which can lower the cost of your shopping bills. Find out more in our guide to grocery store cards. When comparing cards, make sure you weigh up any cardholder perks with any drawbacks such as a high rate of interest.

    You can choose from various types of credit cards and take advantage of offered features.

    These are a few of the types of credit card features that you want to consider with a first credit card application:

    Do keep in mind that these features would differ from one financial institution to another. Make sure that you compare each feature first before you make up your mind for the appropriate credit card right for you.

    Just in case you are declined with your first credit card application, do not lose hope because you could still apply for it again. You just have to wait for the right time and make sure that your credentials meet the bank’s requirements.

    How to maintain your credit standing with your first credit card

    Most people’s first credit card often establishes their credit history. It is important that you do this on a positive note, don’t overspend and make sure you pay all of your bills on time.

    • You might have this credit card for a long time. Having a line of credit for a long period is good for your credit history so you will want to make sure that this relationship remains strong by keeping your balance low and your payments regular.
    • Often, because newcomers are a risk, banks will give them higher interest rates. You should be aware of this and the long-term cost of carrying a balance. Once you have established a good credit history you should see if you are eligible for a reduction in your interest rate or if another card with lower interest is suitable.

    When it comes to personal finance there are few things more important than the establishment of your first credit card. Being responsible with it is the key to building up your future credit rating.

    Start a credit card comparison

    When you’re ready to apply for a credit card for the first time, use the table below to compare rates, fees and rewards. Use the check boxes to shortlist cards and then compare the relevant information side-by-side.

    Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
    HSBC Revolution Credit Card
    Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
    Receive up to S$200 cashback. T&Cs apply. Ends 30 April 2021.
    S$0 annual fee
    S$30,000
    New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 April 2021.
    UOB PRVI Miles American Express Card
    Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap.
    Get S$50 cash credit when you apply. T&Cs apply.
    S$0 annual fee for the first 1 year and S$256.80 thereafter
    S$30,000
    Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
    HSBC Visa Platinum Credit Card
    Earn 1 Reward point for every $1 on all spend.
    Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 April 2021.
    KrisFlyer UOB Credit Card
    Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
    Receive S$50 cash credit when you apply for a new credit card. T&C apply.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    UOB Yolo Card
    Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
    Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    UOB Lady's Card
    Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
    Receive S$50 cash credit when you apply for a new credit card. T&C apply.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    HSBC Advance Credit Card
    Receive up to S$200 cashback when minimum spend requirements are met.
    Enjoy up to 3.5% cashback on all purchases with no minimum spend
    S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
    S$30,000
    New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 April 2021.
    UOB One Credit Card
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    American Express Singapore Airlines KrisFlyer Ascend Credit Card
    Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
    N/A
    S$337.05 annual fee
    S$50,000
    Get a complimentary stay at Shangri-La Hotel, Singapore, Garden Wing Deluxe City View Room (worth up to S$450++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 June 2021
    UOB PRVI Miles Visa Card
    6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
    Receive S$50 cash credit when you apply for a new credit card. T&C apply.
    S$0 annual fee for the first 1 year and S$256.80 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    American Express Platinum Credit Card
    Up to 50% off your food bill for unlimited visits at hotels around Singapore
    N/A
    S$321 annual fee
    S$80,000
    Get up to S$150 statement credit with minimum spend at Love Dining partners and a free Bang & Olufsen Beoplay E8 3rd Gen wireless earbuds (worth S$499) when you spend S$5,000 in the first three months. T&Cs apply. Ends 30 June 2021.
    American Express True Cashback Card
    Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month.
    Earn 1.5% cashback on all eligible spending with no minimum spend or cap
    S$0 annual fee for the first 1 year and S$171.20 thereafter
    S$30,000
    Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
    American Express Singapore Airlines KrisFlyer Credit Card
    Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
    S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2021
    S$0 annual fee for the first 1 year and S$176.55 thereafter
    S$30,000
    Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express.
    UOB PRVI Miles World Mastercard
    Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping.
    Receive S$50 cash credit when you apply for a new credit card. T&C apply.
    S$0 annual fee for the first 1 year and S$256.80 thereafter
    S$30,000
    Receive an iPhone 12 with 5G (first 20 successful applications) or up to S$50 cash credit (for subsequent 100 successful) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. Plus get up to S$76 cash credit when you apply for UOB One Account. T&C apply. Ends 7 April 2021.
    American Express CapitaCard
    Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
    N/A
    S$0 annual fee for the first 1 year and S$171.20 thereafter
    S$30,000
    New card members can receive 120,000 STAR$ (worth S$120 eCapitaVouchers) upon S$2,400 minimum spend at participating CapitaLand Malls merchants within the first 2 months of card approval. T&Cs apply. Ends 30 June 2021.
    Citi Rewards Credit Card
    10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
    1X Rewards for other retail purchases.
    Up to 26% cashback at selected merchants
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 30 June 2021
    Citi Cash Back Card
    Get up to 20.88% fuel discounts at Esso and Shell. 6% cashback on dining and 8% cashback on groceries.
    6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply.
    Citi Prestige Card
    Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
    Up to 20% cashback at selected merchants
    S$535 annual fee
    S$120,000
    Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2021.
    Citibank SMRT Card
    Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping and 0.3% savings on all other spend
    Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply.
    Citi PremierMiles Card
    Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
    Up to 26% cashback at selected merchants
    S$192.60 annual fee
    S$30,000
    Get 45,000 miles when you spend S$9,000 in the first 3 months. Annual fee applies.
    POSB Everyday Card
    Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery
    Get up to S$150 cashback when you sign up online and use promo code '150CASH' by 30 June 2021. T&Cs apply.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get up to S$150 cashback when you sign up online and use promo code '150CASH' by 30 June 2021. T&Cs apply.
    DBS Live Fresh Card
    Up to 5% cashback on online and contactless spend (including SimplyGo rides)
    Get S$150 cashback with promo code ‘150CASH' when you apply online. T&Cs apply. Valid until 30 June 2021.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get S$150 cashback with promo code ‘150CASH' when you apply online and spend a minimum of S$800 within the first 60 days from card approval date. T&Cs apply. Valid until 30 June 2021.
    DBS Woman's Card
    Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases
    Get S$150 cashback with promo code ‘150CASH' when you apply online and spend a minimum of S$800 within the first 60 days from card approval date. T&Cs apply. Valid until 30 June 2021.
    S$0 annual fee for the first 1 year and S$160.50 thereafter
    S$30,000
    Get S$150 cashback with promo code ‘150CASH' when you apply online and spend a minimum of S$800 within the first 60 days from card approval date. T&Cs apply. Valid until 30 June 2021.
    DBS Altitude Card
    Earn up to 4 miles per S$1 spend, with no expiry
    Get S$150 cashback using promo code ‘150CASH’ or up to 38,000 miles using promo code 'ALTAF' when you apply online. T&Cs apply. Valid until 30 June 2021.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Get S$150 cashback using promo code ‘150CASH’ or up to 38,000 miles using promo code 'ALTAF' when you apply online. T&Cs apply. Valid until 30 June 2021.
    Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
    Standard Chartered Unlimited Cashback Credit Card
    Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
    Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Receive S$168 cashback when you apply and make three eligible transactions.
    Standard Chartered Spree Credit Card
    Up to 24.2% petrol savings at Caltex stations.
    Get up to 3% cashback on all online spend in foreign currency and all vPost spend.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
    Standard Chartered Rewards+ Credit Card
    Up to 10X rewards points for every S$1 spent in foreign currency on
    overseas retail, dining and travel
    Receive S$168 cashback when you apply and make three eligible transactions.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
    Maybank Business Platinum Mastercard
    Get your business logo printed on your card. Plus, enjoy a global concierge service
    Get up to S$50 cash credits to offset your credit card payments
    S$0 annual fee for the first 2 years and S$180 thereafter
    N/A
    Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
    Maybank eVibes Card - The Student Card
    Earn 1% cash rebate on retail purchases. Also enjoy up to 8% off accommodation bookings globally with Agoda. T&Cs apply.
    1% cash rebate on all retail spend.
    S$0 annual fee for the first 2 years and S$20 thereafter
    N/A
    Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
    Maybank Platinum Visa Card
    Enjoy up to 3.33% cash rebates on local and foreign currency spend. Minimum spend requirements and cashback caps apply.
    Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
    S$0 annual fee for the first 3 years and S$80 thereafter
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank Family & Friends Credit Card
    Earn up to 8% cash rebates in grocery stores, supermarkets, online grocery shopping and other categories when minimum spend requirements are met.
    Up to 8% cashback on groceries, food delivery, transport, petrol and more with minimum spend of S$800 per month.
    S$0 annual fee for the first 3 years and S$180 thereafter
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank Manchester United Platinum Visa Card
    Earn 1X TREATS Points for every dollar spent.
    1% unlimited cash rebate with no minimum spend.
    S$0 annual fee for the first 2 years and S$80 thereafter
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank DUO Platinum Mastercard
    5% cashback for petrol, plus earn rewards points and exchange them for car servicing vouchers, vehicle merchandise and more.
    5% cash rebate on petrol transactions in Singapore and Malaysia
    S$120 annual fee
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank FC Barcelona Visa Signature Card
    Chance to win a trip for 2 to watch FC Barcelona every season
    1.6% cash rebate on all spend locally. No minimum spend or cap
    S$120 annual fee
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank Visa Infinite Credit Card
    Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
    Earn up to 5X TREATS Points (2 air miles) on all spend
    S$0 annual fee for the first 1 year and S$600 thereafter
    S$150,000
    Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.
    Maybank Horizon Visa Signature Card
    Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
    Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations, public transport charges and Agoda hotel bookings.
    S$0 annual fee for the first 3 years and S$180 thereafter
    S$30,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Maybank World Mastercard
    A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
    10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
    S$0 annual fee for the first 1 year and S$240 thereafter
    S$80,000
    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. T&Cs apply. Ends 31 Mar 2021.
    Standard Chartered Prudential Visa Signature Card
    Earn up to 5X rewards points for every S$1 spent for eligible dining transactions, with no minimum spend required. T&Cs apply.
    Sign-up offer. Receive S$168 cashback when you apply and make three eligible transactions.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Receive S$168 cashback when you apply and make three eligible transactions.
    Standard Chartered Visa Infinite X Credit Card
    5 Rewards Points per $1 spent.
    Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
    S$695.50 annual fee
    S$80,000
    Apply today via MyInfo and receive S$20 cashback. Ends 31 July 2020.
    Standard Chartered Manhattan $500 Card
    N/A
    Earn 0.25% cashback on everything you spend.
    S$0 annual fee for the first 1 year and S$32.10 thereafter
    S$18,000
    Standard Chartered Priority Banking Visa Infinite Credit Card
    Earn 2.5 points for every $1 spent on your credit card
    Get up to S$9,600 cash reward when you start a Priority Banking relationship. T&Cs apply.
    S$321 annual fee
    S$30,000
    Get up to S$9,600 cash reward when you start a Priority Banking relationship. T&Cs apply.
    Standard Chartered Platinum Visa Credit Card
    Earn 1 Rewards point for every S$1 charged to your card
    Receive S$168 cashback when you apply and make three eligible transactions.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Earn 1 Rewards point for every S$1 charged to your card.
    UOB Delight Credit Card
    N/A
    N/A
    S$0 annual fee for the first 1 year and S$85.60 thereafter
    S$30,000
    Citi Cash Back+ Card
    Get up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
    1.6% cash back on selected retail purchases
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    Receive 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months. Valid till 31 May 2021.
    Citi Lazada Card
    Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
    Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada.
    S$0 annual fee for the first 1 year and S$192.60 thereafter
    S$30,000
    New Citibank customers can get S$250 Lazada & RedMart vouchers upon minimum spend of S$250. T&Cs apply. Ends 26 May 2021.
    Standard Chartered NUS Alumni Platinum Credit Card
    Earn 1 reward point for every S$1 charged to your card.
    Receive S$168 cashback when you apply and make three eligible transactions.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Receive S$168 cashback when you apply and make three eligible transactions.
    Standard Chartered Prudential Platinum Credit Card
    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
    Receive S$168 cashback when you apply and make three eligible transactions.
    S$0 annual fee for the first 2 years and S$192.60 thereafter
    S$30,000
    Receive S$168 cashback when you apply and make three eligible transactions.
    OCBC Cashflo Credit Card
    N/A
    S$0 annual fee for the first 2 years and S$160.50 thereafter
    S$30,000
    Get up to S$100 in cash rebates every month.
    Standard Chartered Visa Infinite Credit Card
    Up to 3 miles for every $1 charged to your card with S$2,000 minimum spend
    N/A
    S$588.50 annual fee
    S$150,000
    Earn 35,000 bonus miles in the form of 87,500 points when you apply for the Visa Infinite Credit Card.
    DBS Live Fresh Student Card
    Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services.
    5% cashback on McDonald’s, McDelivery, Starbucks, Golden Village and your favourite music, movies & TV series streaming services.
    S$0 annual fee for the first 5 years and S$192.60 thereafter
    N/A
    Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services.
    UOB Visa Infinite Metal Card
    Get 2 air miles per S$1 spent overseas and 1.4 air miles per S$1 spent locally
    N/A
    S$642 annual fee
    S$150,000
    Receive up to 25,000 miles (UNI$12,500) when you’ve paid the annual fee. T&Cs apply.
    Aspire Corporate Card
    Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime
    1% Cashback for qualified spend of above S$5,000. T&Cs apply
    S$0 annual fee
    N/A
    A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
    Standard Chartered Business Platinum Credit Card
    Earn 1 Rewards point for every S$1 charged to your card
    N/A
    S$0 annual fee for the first 3 years and S$160.50 thereafter
    S$30,000
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