Citi Cash Back 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 26%

Eligibility

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

Things to look out for

  • 0.25% base cash back rate
  • 7.75% additional cash back (minimum retail spend of $888)
  • Cashback cap of $25 per bonus category (Dining, Grab rides, Groceries, Petrol)
  • Once you accumulate S$50 or more cash back in a month, it will be automatically credited to your statement in multiples of S$10
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American Express Platinum Credit Card Must Have 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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Citibank SMRT Card
Satisfactory

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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American Express True Cashback Card
Satisfactory

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 Visa Infinite Credit Card
Very Good

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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American Express CapitaCard
Very Good

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 Unlimited Cashback Credit Card
Poor

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years 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

  • 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 Dining Privileges at Oscar’s, Conrad Centennial Singapore, The Courtyard, The Fullerton Hotel Singapore, The Line, Shangri-La Hotel, Singapore and more
  • Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. *T&Cs apply.
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Standard Chartered Visa Infinite Credit Card
Satisfactory

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 One Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee 1st Supplementary Card Free; $96.30 for subsequent cards
  • Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
  • 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

  • Tier 1 Cashback cap: $50/quarter, monthly spend between $500 - $999
  • Tier 2 Cashback cap: $100/quarter, monthly spend between $1,000 - $1,999
  • Tier 3 Cashback cap: $300/quarter, monthly spend $2,000 and above
  • Cashback awarded quarterly
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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 1 year 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

  • EZ-Reload amount is set at S$40 and you will receive an SMS from EZ-Link within 10 days of receiving your DBS Live Fresh Card
  • Link your card to your Savings Account and use as an ATM Card
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DBS Woman's World Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year fee waiver, subsequent years waived with min. spend of $25,000 p.a.
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income $80,000 per year
  • Non-Singaporean Minimum Income $80,000 per year

Things to look out for

  • 0.2 Reward points for every $1.00 spent
  • 0.6 Rewards points for every $1.00 spent on Travel
  • 2 Rewards points for every $1.00 spent on Online Shopping
  • Monthly expenditure cap of $2,000 for Online Shopping category
  • No cap for all other categories
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DBS Woman's Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $160.50 per year
  • Supplementary Annual Fee $80.25 per year
  • Fee Waiver 1 year fee waiver, subsequent years waived with a minimum spend of S$15,000 p.a.
  • 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

  • N/A
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DBS Black Visa Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year 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

  • 1X DBS Point for all other transactions
  • 3X Rewards (3 DBS Points or 6 miles for every S$5 spend) for all local contactless Visa payWave transactions
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