HSBC Advance Credit Card Must Have Card
Excellent

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 Must Have Card
Satisfactory

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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HSBC Visa Platinum Credit Card
Excellent

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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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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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 Visa Infinite Credit Card
Very Good

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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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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American Express Platinum Credit Card
Satisfactory

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
Satisfactory

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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Standard Chartered Unlimited Cashback Credit Card
Satisfactory

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

  • 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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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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BOC Sheng Siong Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee S$30
  • Supplementary Annual Fee S$15
  • Fee Waiver First year fee waived for Principal and Supplementary card
  • Annual Interest Rate 25.88%

Eligibility

  • Singaporean Minimum Income S$30,000 per year
    S$15,000 per year(For those between 55-65 years old)
  • Non-Singaporean Minimum Income S$60,000 per year

Things to look out for

  • Out-Store Spend under additional 5% cash rebate for Sheng Siong transactions refers to local and foreign retail transactions made outside of Sheng Siong
  • Total Retail Spend under Transport cash rebate refers to all local and foreign retail purchases including Sheng Siong Spend, transport transactions, dining, online purchases etc
  • Additional 5% cash rebate at Sheng Siong consists of 3% + 2% cash rebate where the 2% cash rebate at Sheng Siong is valid till 31 Dec 2017, with minimum out-of-store spend of $400 per month, capped at $20 per month
  • *Applicable for customers who (i) spend at least S$1,500 per month on their BOC Sheng Siong Card, (ii) credit a minimum salary of S$6,000 per month into their BOC accounts and (iii) pay 3 bills (minimum S$30 per bill) per month from their BOC MCS accounts. T&Cs apply. Insured up to S$50K by SDIC
  • To apply, SMS BOCCARD[space]SSMS[space]NAME to 79777
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Citi M1 Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $160.50 per year
  • Supplementary Annual Fee $85.60 per year
  • Fee Waiver 1 year fee waiver for Principal and two Supplementary Cards
  • Annual Interest Rate N/A

Eligibility

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

Things to look out for

  • Redeem your Citi Rebate by SMS Rewards to 72484, Citibank Online, CitiPhone Banking Hotline at 62255225, at M1 shops and participating merchants
  • Complimentary Replacement for lost and damaged SIM cards
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Standard Chartered SingPost Platinum Visa Credit Card
Satisfactory

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
More Details
DBS Esso Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $85.60 per year
  • Supplementary Annual Fee $42.80 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

  • Auto-enrolment into the Esso Smiles Driver Rewards programme
  • 17% Instant Discount = 5% Esso station discount + 5% Smiles member discount + 7% Card discount
  • 0% interest-free Instalment Payment Plan for Motor Insurance and Road Tax
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