HSBC Revolution Credit Card Must Have 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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Citi Rewards Card Must Have 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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Standard Chartered SingPost Platinum Visa Credit Card Must Have Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee S$192.60
  • Supplementary Annual Fee Free
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of S$5,000 p.a.
  • Annual Interest Rate 24.455%

Eligibility

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

Things to look out for

  • Min. spend of S$600 per month to enjoy 7% cashback on online purchases and 2% on supermarket purchases
  • Base rate of 0.2% if min. spend is not met
  • 20% off shipping fees with vPost (Promo code SCB20B). T&Cs apply
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Citibank SMRT Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $160.50 per year
  • Supplementary Annual Fee $85.60 per year
  • Fee Waiver 2 years fee waiver 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

  • Maximum 600 SMRT$ awarded for every 12 month period
  • Redeem SMRT$ for cash rebate instantly via SMS
  • Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
  • Card can be used as an EZlink card for public transportation
  • Additional SMRT$ of up to 10% awarded for purchase at Sheng Shiong, Subway, Starbucks, Cedele and more
  • Online Spend excludes all travel-related merchants worldwide, including Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services
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DBS Live Fresh Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $128.40 per year
  • Supplementary Annual Fee $64.20 per year
  • Fee Waiver 2 years fee waiver
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • To convert DBS Points into air miles, download respective Frequent Flyer Programme forms and submit
  • Each conversion of DBS Points by cardmember to his/her designated airline's programme will be subjected to an administrative fee of S$25 (excludes GST) and will be charged to DBS Credit Card
  • Active EZ-Reload facility for EZ-link auto top-up
  • Link your card to your Savings Account and use as an ATM Card
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OCBC Frank Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of $5,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • 0.3% base cashback rate for non-bonus categories
  • Min. spend $400 excluding Online and NETS FlashPay Auto Top-Up spend)
  • Capped at $60 for all rebates
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OCBC 365 Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 2 years fee waiver for both Principal and Supplementary cards, subsequent years waived for Principal card with min. spend of $10,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Base cashback rate of 0.3%
  • Minimum monthly spend of $600 to hit Bonus Cashback tiers
  • Monthly Cashback cap of $80
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OCBC NTUC Plus! Visa Credit Card
Poor

Annual Fees and Rates

  • Principal Annual Fee $0 per year
  • Supplementary Annual Fee Complimentary, up to 3 supplementary cards
  • Fee Waiver Prevailing NTUC membership fee applies
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Earn an annual fee waiver with a minimum spend of S$2,500 in one year
  • One year period begins in the month of card issuance
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