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Citibank SMRT Card Must Have Card
Excellent

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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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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Citi PremierMiles Visa Card
Satisfactory

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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Citi Rewards Card
Satisfactory

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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POSB Everyday Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver N/A
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income N/A
  • Non-Singaporean Minimum Income N/A

Things to look out for

  • 14% Cash Rebate on online food delivery and up to 9% Cash Rebate on dining spend promotions valid till 30 Sep 2017 (min. spend of S$600 per month)
  • Get 1% cash rebate on your recurring StarHub bills and on your in-store purchases
  • Get 1% cash rebate on your recurring utilities bills from SP services
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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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UOB Delight Card
Excellent

Annual Fees and Rates

  • Principal Annual Fee $85.60 per year
  • Supplementary Annual Fee $53.50 per year
  • Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
  • Annual Interest Rate 25.9%

Eligibility

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

Things to look out for

  • 8% cashback rate for Groceries (spending $800 and above)
  • 3% cashback rate for Groceries (spending $400-799)
  • 0.3% cashback rate for all categories (no minimum spending)
  • No cap to the amount of SMART$ earned for transactions made at SMART$ Merchants
  • Rebates will be issued in SMART$
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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
More Details
HSBC Visa Platinum Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $180 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

  • S$120 cash rebate cap - min. spend of S$800 for all 3 months per calendar quarter
  • S$60 cash rebate cap - min. spend of S$400 for all 3 months per calendar quarter
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Maybank Family & Friends Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee Complimentary
  • Fee Waiver Waived with min. spend of $12,000 p.a.
  • Annual Interest Rate 24%

Eligibility

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

Things to look out for

  • 0.3% cashback for all categories if expenditure is below $500 ($50 cashback cap per month)
  • 5% cashback for Shopping, Groceries and Dining if expenditure is $500 and above (0.3% cashback for all other categories)
  • $50 total cashback cap per month
More Details
OCBC Plus! Visa Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee Complimentary, up to 3 supplementary cards
  • Fee Waiver No annual fees for the first year. Automatic fee waiver from the 2nd year onwards when you charge at least S$2,500 in Visa transactions to your card per annum.
  • 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

  • Annual fee waiver with a minimum spend of S$2,500 per year
  • One year period begins from month of card issuance
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OCBC NTUC Plus! Visa Credit Card
Satisfactory

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
More Details

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Manager

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