American Express True Cashback Card Must Have Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $171.20 per year
  • Supplementary Annual Fee $85.60 per year
  • Fee Waiver 1 year fee waiver for Principal card, perpetual fee waiver for first 2 supplementary cards
  • Annual Interest Rate 24.99%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • 3% cashback rate (first $5,000 spent in first 6 months)
  • 1.5% unlimited cashback rate (thereafter above $5,000)
  • 1.5% unlimited cashback rate (after first 6 months)
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HSBC Advance Credit Card Must Have Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee Perpetual annual fee waiver
  • Supplementary Annual Fee N/A
  • Fee Waiver 1 year card annual fee waiver / Perpetual card annual fee waiver for HSBC Advance banking customers
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $40,000 per year

Things to look out for

  • An HSBC Advance banking account is required to enjoy the maximum 3.5% cash back on all spend
  • S$125 cash back cap per month for HSBC Advance banking customers
  • S$70 cash back cap for non HSBC Advance banking customers
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American Express Singapore Airlines KrisFlyer Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee S$176.55 (inclusive of GST)
  • Supplementary Annual Fee S$53.50 (inclusive of GST)
  • Fee Waiver First Year Fee Waiver
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • First Year Annual Membership Fee Waiver does not apply to those who hold existing co-branded American Express Singapore Airlines Credit Cards
  • 10% savings on published Hertz rates, one car class upgrade, fee waived additional driver
  • Receive up to 30% off on walk-in rates* at selected Plaza Premium lounges around the world, including at Changi Airport
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American Express Singapore Airlines KrisFlyer Ascend Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $256.80 per year
  • Supplementary Annual Fee $80.25 per year
  • Fee Waiver First 2 Supplementary Cards fee permanently waived
  • Annual Interest Rate 24.99%

Eligibility

  • Singaporean Minimum Income $50,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • First Year Annual Membership Fee Waiver does not apply to those who hold existing co-branded American Express Singapore Airlines Credit Cards
  • 10% savings on published Hertz rates, one car class upgrade, fee waived additional driver
  • Spend above S$15,000 on eligible purchases made on singaporeair.com within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold Membership tier
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American Express Platinum Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $321.00 per year
  • Supplementary Annual Fee $160.50 per year
  • Fee Waiver Perpetual fee waiver for first 2 supplementary cards
  • Annual Interest Rate 24.99%

Eligibility

  • Singaporean Minimum Income $50,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • No expiry for Membership points
  • Supplementary Card Holders also enjoy the same benefits
  • Enjoy auto-enrolment with the Frequent Traveller Option, and a waiver of S$40 enrolment fees
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HSBC Visa Infinite Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee Non Premier Customer: S$650 (inclusive of prevailing GST)
  • Supplementary Annual Fee Nil
  • Fee Waiver Annual programme fee applies
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $120,000 per year
  • Non-Singaporean Minimum Income $120,000 per year

Things to look out for

  • 35,000 air miles in the form of 87,500 HSBC Rewards Points
  • Annual Programme fee of S$40 applies to convert points to air miles
  • One complimentary Airport VIP Service and Aiport Limousine Service with every monthly spend of S$2,000, capped at 24 utilizations per year
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HSBC Revolution Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $150 per year
  • Supplementary Annual Fee Complimentary
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of $12,500 p.a.
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $40,000 per year

Things to look out for

  • Redeem Rewards Online via Personal Internet Banking OR Phone Banking
  • To convert Rewards into KrisFlyer or Asia Miles, required to enroll in HSBC's Mileage Programme (Annual fee at S$40)
  • Exclusions for Dining & Online Spend as stated
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Standard Chartered Unlimited Cashback Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years fee waiver or waived for employees of PwC
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • 3% cashback on foreign currency (1.5% cashback included) promotion ends 30 Jun 2017
  • If you opt to activate EZ-Reload using the Autoload Reference Number (ARN), note that each top-uo amount is $50 and a convenience fee of S$0.25 will be charged
  • 1-for-1 Prvileges at Krispy Kreme and Swensen's
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Citi Rewards Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver First year fee waived for Principal and two (2) Supplementary cards
  • Annual Interest Rate 28%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $42,000 per year

Things to look out for

  • Rewards points are earned as Citi Dollars
  • Monthly expenditure cap of $1,000 for bonus categories
  • No cap for all other categories
  • Redeem points through the Citi ThankYou Rewards programme
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Citi PremierMiles Visa Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee Complementary
  • Fee Waiver No fee waiver
  • Annual Interest Rate 28%

Eligibility

  • Singaporean Minimum Income $50,000 per year
  • Non-Singaporean Minimum Income $50,000 per year

Things to look out for

  • 10,000 Citi Miles upon membership renewal
  • Citi Miles never expire
  • No cap on annual miles accrual
  • For groceries, min. spend for Citi Rebate ranges from $30 to $50 at different participating merchants
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American Express CapitaCard
Excellent

Annual Fees and Rates

  • Principal Annual Fee S$171.20
  • Supplementary Annual Fee S$85.60
  • Fee Waiver 1 year fee waiver and perpetual fee waiver for first 2 Supplementary cards
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income S$30,000
  • Non-Singaporean Minimum Income S$60,000

Things to look out for

  • Enjoy 3 hour free parking daily with minimum spend of $1,200 per calendar month
  • S$1=5 STAR$
  • Earn 30,000 STAR$ (S$30 Capital vouchers) when you refer a friend
  • Your friend gets 20,000 STAR$ (S$20 Capita Vouchers)
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Standard Chartered Visa Infinite Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $588.50 (including GST)
  • Supplementary Annual Fee Free
  • Fee Waiver No Fee Waiver
  • Annual Interest Rate 24.455%

Eligibility

  • Singaporean Minimum Income $30,000 (Priority Banking), $150,000 (Non-Priority Banking)
  • Non-Singaporean Minimum Income $60,000 (Priority Banking), $150,000 (Non-Priority Banking)

Things to look out for

  • Annual Fee of $588.50 must be paid
  • Minimum income of $150k (Non-Priority Banking) or $30k (Priority Banking)
  • Cardholders must be enrolled in the Standard Chartered 360° Rewards Programme Six to get Air Miles
  • Complimentary visits to the airport lounges under the Priority Pass Lounge program
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UOB YOLO Credit Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee S$192.60
  • Supplementary Annual Fee N/A
  • Fee Waiver 1 year fee waiver for Principal card, free first supplementary card
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income S$30,000
  • Non-Singaporean Minimum Income S$40,000

Things to look out for

  • Up to S$10 off a grab ride every weekend with a spend on dining or entertainment during wekdays
  • Enjoy excluisve offers at Golden Village, Tanjong Beach Club, The Rabbit Hole, Timbre and many more
  • Insurance coverage of up to S$500,000 when you charge your travel tickets to your card
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