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Browse Credit Cards
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Cashback
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Groceries
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Air Miles
We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top credit cards offer the following:
No single card will be the best choice for everyone, so compare your options before picking your new card.
A credit card is a form of unsecured credit issued by banks. It allows users to make purchases without having to pay with cash and withdraw money from ATM machines. All Singapore credit cards come with a credit limit and an interest rate which is set by the lender. Credit cards are different from debit cards which are tied to actual money in a savings account.
To choose the best credit card based on your circumstances, you need to compare benefits and features of various types of cards on the market. For example, if you want a credit card that offers benefits and perks, you could look at cashback cards, rewards cards or air miles cards. Or if you want a card with lower fees, you might consider a card with an annual fee waiver.
When you use a credit card, you are essentially borrowing money from the bank to pay the retailer for goods or services. You’ll get a credit limit from the lender and this is how much you can spend on the card. The limit can range from around S$500 to thousands of dollars. The bank sets your limit after they’ve assessed your ability to make repayments.
At the end of each monthly billing cycle, you’ll receive a statement that tells you the total amount you owe the bank. By paying back the debt in full and on time, you typically won’t be charged any interest fees.
Different credit cards are suited to different kinds of uses. There are many types of credit cards in Singapore, including those which let you accrue rewards, air miles and cash rebates. The type of card that will work best for you will depend on a number of factors. These include:
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If you’ve used your card for purchases, your debt begins to accrue interest. This is called an APR, or annual percentage rate, and it usually ranges between 11.99% and 28%. APR lets you know how much interest you’ll need to pay for borrowing money on a credit card. It takes into account regular interest, along with any other fees and charges. Therefore, APR can be a useful indicator of how competitive a credit card is. How do interest charges work? Each month, you’ll receive a credit card statement. Your statement will include key details such as: If you pay your entire credit card balance in full each month, you can usually take advantage of up to 55 interest-free days in the next statement period. Basically, you won’t pay any interest on what you’ve borrowed. However, if you don’t pay off the whole debt then you’ll be charged interest on what’s left. That’s why it’s always best to pay all of your balance each month. Keep in mind that, if you miss the minimum repayment – which is typically about 2-3% of your total balance – you’ll be charged late payment fees. You may want to try our credit card interest calculator to test how long it could take to pay off debt. In Singapore, banks and other lenders mostly rely on the Credit Bureau Singapore (CBS) credit score to determine the repaying capacity of the applicant and the probability of default on loans. The CBS Credit score is a 4-digit number computed by the CBS. It’s based on the applicant’s record of past repayments of loans and credit card debts. The score set ranges from 1000 to 2000, whereby 1000 indicates a high risk of default and is thus considered a poor credit score. Conversely, 2000 is an excellent credit score, indicating the lowest risk of default. Read more about how you could improve your credit score before you apply for a card. Pros Cons Firstly, keep in mind that you’ll have to meet the card issuer’s minimum eligibility requirements to have any chance for your application to be approved. Once you’ve done a thorough comparison and you’re ready to apply for a new card, just click on the ‘Go to site’ button in the table or review. This takes you to the official application page of your chosen lender on this page. There, you can read the full terms and conditions before starting a secure, online application with the bank or lender. This also means that Finder doesn’t collect your personal details or information during the application process. Eligibility requirements for a credit card usually include: Again, make sure you confirm that you meet the eligibility criteria before you submit your application for a credit card in Singapore; rejected applications can have a negative impact on your credit score. Finder makes it easy to compare dozens of Singapore credit cards side-by-side, in order to help you find one that meets your personal needs and circumstances. Start by working out the card type which will work for you. This will vary depending on the way you like to spend. When you are sure that you’ve met the eligibility requirements and you’re ready to apply, click ‘Go to site’. You’ll then be taken to your chosen provider’s website – the rest won’t take long. That’s really up to you to decide. After all, the right card is one that’s matched to your circumstances. If you’ve just started further education, then a student credit card can offer you a great start in terms of credit accountability, while allowing you to benefit from relevant card perks during your studies. Find out more about how student credit cards work. If you’re careful with managing you spending and can commit to paying off your credit card balance in full, then you may find a credit card that offers rewards is a good option to consider. Such cards offer a range of deals, from discounts on petrol to shopping perks at your favourite store or dining out. Also, you could maximise the benefits of cashback on your purchases as this type of card may benefit you each time you spend. No, you may have to pay a higher rate of interest if you’re seen as a high-risk borrower. Every card issuer has a different criteria for the rates they offer, and it’s no different when it comes to fees and charges. We encourage you to read the terms and conditions carefully before choosing a credit card, in order to get a clear picture of the cost of your borrowing. Unfortunately, there’s no hard and fast rule. Generally speaking, most Singapore credit card issuers may turn down applicants who have a bad credit history. That’s why it can be helpful to order a copy of your credit report before you apply. The score set by the Credit Bureau of Singapore ranges between 1,000 and 2,000. The higher your score, the lower your lending risk is likely to be. Those who score close to 2000 – which equates to the highest possible credit score risk grade of AA – will have the very best chance of approval. You can, but that doesn’t mean you should. In Singapore, this may be around 5% of the amount of the advance, or S$10 (whichever is greater). Typically, you’ll have to pay interest starting on the day you take out a cash withdrawal. Plus, you could face extra charges for borrowing cash on a card. This is especially true if you take money out while you’re overseas. If you’re planning to travel, look for a card that offers low or 0% fees on foreign transactions.Understanding APR
How am I charged for using a credit card?
Understanding your credit score
Pros and cons of credit cards
How to apply
Credit card eligibility
Frequently asked questions
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Jeremy is finder's Global Head of Publishing & Editorial. Jeremy has been with finder since the very beginning and is part of the founding team working closely with Fred and Frank to build finder.com into the comparison network it is today.
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finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.