(If you don’t have an Advance banking account, you’ll still earn 2.5% rebate as long as your spending in that month exceeds $2,000. Find the perfect gift Best Cashback Credit Cards Overall: UOB One: Highest flat rebate on the market, earn up to $300/qtr. The only major drawback to charging your expenses on plastic is the tendency to lose sight of your purchases and racking up more debt than you’re able to settle. Not to mention, a nice one-time cash bonus just for using the card? Unlimited 1.5% cashback thereafter on any spend: OCBC Cashflo Mastercard: 3 months or 6 months: S$100: Department stores T&Cs apply. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. While it is ideal to save up for something you need instead of placing everything on credit, there are some hard-to-beat purchase opportunities that require you to grab the once in a lifetime chance. No, never. We may also receive compensation if you click on certain links posted on our site. 32 Reviews. T&Cs apply. Get S$150 cash credit if you spend S$1,500 or more within 30 days. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We may receive compensation from our partners for placement of their products or services. To help you find the best credit card to pay for your wedding, we have prepared a chart below organizing credit cards by 2-year dollar value*. Plus, free travel cover. If this help you first research and understand the benefit of each of this credit card before you make a decision in having a credit card to have the best in your financial journey Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. The Best Shopping Credit Cards In Singapore 2020. Travelers. Your utilization rate is calculated by adding up the total of all your balances on credit cards and dividing it by the total of all your credit card limits. 1. 10% on Dining, Petrol, Travel. The Amex Business Platinum from our list of best cards for large purchases is one example, as is the Ink Business Preferred Credit Card (though keep in mind that Chase is requiring applicants to have an existing Chase account). Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. finder.com is a financial comparison and information service, not a bank or If you're using a credit card to … Get S$150 cash credit when you apply. Best Dining Credit Cards in Singapore 2019. 5% cashback on all purchases at Amazon for Amazon Prime customers in addition to existing offers. Prefer a card we didn’t mention? POSB Everyday: Top promotional rates on daily essentials. ... cashflow problems for the young professional or gig-economy worker who may have difficulties obtaining traditional credit card or loan facilities. This measure is part of MAS’ ongoing efforts to help Singaporeans manage unsecured debt. T&Cs apply. Find the perfect gift. Big fat cash rebates or bonus miles on top of all that, thanks to the fact that credit cards are all fighting for you to use them to pay for your online purchases. New customers can get S$150 in bonus cash credits. These cards are not representative of the entire market. 6% cash back on dining, 8% cashback on groceries and petrol transactions. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. More details of the card are given below. We may also receive compensation if you click on certain links posted on our site. Welcome deals and discounts for new users. Below is a list of cards you could consider. ... Wouldn’t it be nice to get 1% — or even 5% — cash back on such a big purchase? Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. on Citibank's application. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. And the total cashback you can earn is capped at $60 per month. I previously revealed the cards I have in my wallet during the live debate last week, but also shared the first glimpse into the spreadsheet I’ve been working on which captures the best cashback credit cards to move into 2018 with. Best Credit Cards to Pay Lawyers and Legal Fees. 8 best credit cards for online shopping Singapore … Since it’s possible to receive, for example, over 100,000 hotel points for spending a few thousand dollars in the first 3 months after card approval, it makes sense to include sign-up bonuses in your credit card decision process. Remember, maximising your rewards. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Credit Card - Compare 65+ Credit Cards & Apply Online in India But if you have the capacity to pay for the amount that you spent on your card, then there’s little reason not to do so. S$800. Monthly Spend Required. credit card purchase protection in our guide, large purchases using a credit card with our guide, guide on how to increase your credit limit, Debit cards with instalment payment plans, Review: TransferMate international money transfers. This card also offers a fairly high initial credit limit of at least $5,000 and an average of around $10,000. I found and applied for a cashback card easily on their website. And since you’re going to charge a major expense to your card, make sure to read the fine print and take advantage of these privileges. Agoda Credit Card Promotions To Book Your Holiday 2019 Finder is committed to editorial independence. However, the maximum cashback per statement month is $25, which means you’ll be reaping maximum savings as long as your grocery spending doesn’t exceed $320. Here are a few cards with substantial minimum spending requirements you might consider if you come up against personal … Most cards in India offer rewards like discounts or cashback on gold purchases. While we receive compensation when you click links to partners, they do not influence our content. Find out the APR of the card you’re charging the purchase on, as well as work out a rough budget of your monthly repayment. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. When making online purchases with the credit card of your choice, you're … The main advantage of charge cards is that they come with no pre-set spending limits. Fret not – make an order online from Lazada, Taobao, or Mustafa (. ) Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. That means you can buy a new camera, outfits, equipment and accessories, charge it all to the OCBC Titanium Rewards card, then trade in the points for KrisFlyer miles to redeem flight privileges – maybe even a free flight! Best Miles Credit Cards. Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more. Learn about how TransferMate’s personal product works and what it can do for you. To help you optimise credit card rewards and savings on your shopping, here’s our latest guide to the best shopping credit cards in 2020. When she’s not busy typing away, she’s reading and musing over a pint. Earn 1.5% cashback on all eligible spending with no minimum spend or cap, S$0 annual fee for the first 1 year and S$171.20 thereafter. Credit card offers are subject to change at any time. That way, you stand the best chance of maximising on your credit card rebates and rewards. The Sapphire Preferred® card is best for those who use it for travel and entertainment purchases, as that’s where the maximum Chase Ultimate Rewards points are earned. 2. The Best Credit Cards in Singapore 2020. Apply today and get S$150 in bonus cash credits. Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending. Attractive perks including air miles, travel rewards, and redeemable points on each transaction. Between the ridiculously cheap prices on Taobao, rebate programmes like LiveUp and Shopback, and free/cheap shipping and returns on Lazada, online shopping is a complete godsend for thrifty and lazy Singaporeans. With all that extra cash, you might even be able to thrown in those eye-catching gold earrings you … Benefit from cashback, points and more when you manage your finances with a rewards current account. T&Cs apply. T&Cs apply. Visit Site. Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Best Credit Card for Online Shopping: UOB YOLO Card. OCBC 365 Credit Card. However, charge cards have no interest fees and do not allow you to carry an outstanding balance like credit cards, so you’ll need to pay off your balance in full each month. ... Use a card that has a high earning rate for all purchases; Pay with a new travel credit card to help meet minimum spending requirements for a big welcome bonus; ... Cards With Big Minimum Spending Requirements. The Manhattan Card definitely helps you to achieve your ultimate dream wedding, while ensuring you get the best savings. Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. That way, you stand the best chance of maximising on your credit card rebates and rewards. That means that if your total outstanding balance exceeds 12 times of your monthly income across all unsecured credit facilities for more than 3 consecutive months, you’ll not be able to apply or access further credit. First 200 new customers only. CIMB Platinum Mastercard. By Alevin Chan window.dataLayerState = [{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Base Rate Cashback","TopPicksData_providerLabel":"HSBC Revolution Credit Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":1},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Travel Rewards","TopPicksData_providerLabel":"UOB PRVI Miles American Express Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":2},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Bonus Cashback ","TopPicksData_providerLabel":"UOB PRVI Miles Visa Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":3}]; We’ve chosen the cards on this page based on the providers available through Finder. Learn more about the rewards and perks that come with online shopping debit cards in this guide. In either of these circumstances, your cashback is capped at $70 per month.). If you are unsure you should get independent advice before you apply for any product or commit to any plan. Is it worth charging my big-ticket purchase to plastic even if I can't afford to pay in full by the next statement? Basically, if you find yourself spending large amounts periodically, this credit card can help you unlock the most value. Get your full, exclusive copy of The Ultimate Savings Guide for COVID-19 and Beyond, including tips on reducing unnecessary expenses, creating additional income streams and more! Zyane Tan is an associate editor at Finder. Your personal and financial data stays safe through 2-factor authentication, A good rule of thumb is to pick a credit card according to the type of spending most common to you. Impact of a Large Credit Card Purchase on Credit Utilization. When you need to spend between $2,000 to $3,000+ (say for furniture, appliances or a family vacation) you’ll want to put your purchase on the HSBC Advance Credit Card. The Citi Cash Back Visa Card offers 8% cashback on all your grocery bills – the highest among all credit cards. Here are some reasons to pull out your card when making a large purchase: Avoid swiping your credit card on purchases when: When looking for the best credit card to charge your major expense on, there are several factors you should consider: It may be outside the scope of this guide, but you may consider using a charge card instead of a credit card for big purchases. Get up to 20.88% fuel discounts at Esso and Shell. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Credit Card Signup Bonuses: How to Maximise Miles with Big Ticket Spending NerdWallet’s credit card experts rank the best credit cards out there. “I used to be scared of credit cards, but SingSaver.com.sg made me realise that I don’t have to worry about debt if I pay my bill on time each month. You can use SingSaver’s free comparison tools to. Waived annual fees for the first year of usage. If you're using a credit card for everyday purchases, consider this. T&Cs apply. This card offers you cash rebate as generous as 5% on all your purchases! Find out which banks in Singapore offer them. But even larger families who exceed this cashback sweet zone may enjoy the Citi Cash Back Visa Card’s rebates in dining, petrol and Grab (8% cashback, capped at $25 each category). $10,000. Top 6 Air Miles Credit Cards in Singapore 2019 New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. 4. First 200 eligible applicants only. However, note that you have to spend $888 per statement month to earn 8% cashback. Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Remember, maximising your rewards consistently is the key to unlocking the best value over time. Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. 3. Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! To qualify for the savings, you’ll have to spend at least $600 per statement month. 5. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. If you are going to make an expensive purchase, it’s important to use the right credit card for you to maximise your rewards and benefits. If you need a real credit card, please apply through the bank or some institutions. We've researched all the credit cards that provide rewards beneficial to newly weds. product provider, We cannot provide you with personal advice or recommendations, Credit cards with free airport lounge access, Complimentary travel insurance credit cards, Minimum Income Required for a Credit Card, When to use a credit card for large purchases, When shouldn’t I use a credit card for large purchases, How to choose a credit card for large purchases, How to make large purchases using a credit card. 4.3. … Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada. For many, nothing says high-end more than dollar signs — lots and lots of dollar signs. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Need to get something a new pair of Bluetooth headphones but have no time to visit Sim Lim Square? Sign in now to claim your free savings guide. Deals and discounts in more than 90 countries. )Wells Fargo Propel American Express Card. Citi Cash Back: Up to 8% discount on food & petrol. Once you’ve maxed out the credit limit of your credit card, you can no longer make any further transactions. 150 spent; 5X rewards on International POS transactions Find out the best for you! You are about to post a question on finder.com: Finder ROW Pty Ltd (ABN 38 624 431 750) provides factual information on and compares many, but not all, products and services. About www.BestCreditCardGenerator.com The best return for credit card spending happens when you qualify for the initial sign-up bonus after being approved for a credit card. Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. Why, because this card lets you earn 10x points at your favourite department stores, and also when you purchase shoes, bags, clothes, babies’ and children’s wear, as well as electronics and gadgets. You may qualify for savings that you otherwise wouldn’t. Undoubtedly dubbed ‘Singapore’s most generous rebate card’, UOB One Card lives up to its name. Using your debit card in a foreign country is safe and convenient, but make sure to enable it for overseas use and look out for fees. The Generous Card. Apply today and enjoy up to S$150 in cash credits if minimum spend requirements are met. “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. The right reward type will depend on your personal preference and spend bonuses that the card is offering. If you’re interested in applying for this card, here are the qualifying criteria and fees. Save on your next purchase of gold with a credit card. Cardholders can avoid the card’s S$192.6 annual fee as well with S$25,000 annual spend. is the key to unlocking the best value over time. Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Many credit cards offer bonus incentives, free hotel stays, or elite status upgrades when you hit pre-defined spending thresholds. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, compare and apply for the best shopping credit cards in Singapore. How to choose the best credit cards for large purchases Compare credit cards that will benefit you most for your next large purchase. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. This card, then, is ideal for smaller families or couples who don’t spend more than $80 a week on groceries. Apply today and enjoy up to S$150 in cash credits. Optional, only if you want us to follow up with you. Enjoy up to 3.5% cashback on all purchases with no minimum spend, S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter. However, some card issuers may waive the admin fee. )Bank of America Premium Reward Credit Card. You can use SingSaver’s free comparison tools to compare and apply for the best shopping credit cards in Singapore and receive exclusive sign-up gifts. Big fat cash rebates or bonus miles on top of all that, thanks to the fact that credit cards are all fighting for you to use them to pay for your online purchases. Best Credit Cards for Large Purchases in Singapore: Credit Card: Instalment Plan Tenor: Minimum Spend: Qualified Merchants: Welcome Offers: American Express True Cashback – – All merchants: 3% cashback for the first 6 months up to S$5,000 spend. Personalised, bite-sized reads, money hacks and product recommendations. Perpetually free for Advance banking customers. 3. Here are some of the top credit card deals on gold purchases in 2020. Best cards for large purchases Capital One Venture Rewards Credit Card – Best for earning flexible rewards Chase Freedom Unlimited – Best for intro APR Citi® Double Cash Card – Best for earning cash back This guide will take a look at all the benefits of charging your large expense on plastic and help you compare available options that are optimised for such transactions. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month. Although the credit card number is valid, but does not really exist, expiration date, cvv and name are non-existent, can not complete the purchase. For those times when you need to spend a couple of thousand dollars at a go, paying attention to your credit card rewards can prove fruitful. S$0 annual fee for the first 1 year and S$192.60 thereafter. S$0 annual fee for the first 2 years and S$192.60 thereafter, Up to 50% off your food bill for unlimited visits at hotels around Singapore. spend required, and 1X UNI$ (or 2 miles) on other purchases. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Apply today and get up to S$150 in bonus cash credits. Best Credit Card for Groceries: Citi Cash Back Visa Card. Otherwise, you’ll only earn 1.5% rebate. If you’re planning a big local wedding, ... which adds up quickly for larger purchases. Ultimately, DBS Woman’s World Card is great if you’re making large online … As charge cards are designed for high-income individuals, you’d need to have an annual income of at least S$200,000 p.a to apply. SingSaver's Exclusive Offer. CASHBACK. Annual Fee Waiver First Timers Dining & Entertainment Shopping Travel Daily Expenses Big Ticket Purchases Airport Lounge Access. Also, get six complimentary golf games across Asia. Annual fee applies. I found and applied for a cashback card easily on their website. Get 45,000 miles when you spend S$9,000 in the first 3 months. Simply charge your spend to a cashback card, and you automatically […]The post Best Cashback Credit Cards In Singapore 2020 appeared first on SingSaver Blog - We Compare, You Save. Instead of keeping track and accumulating multiple small purchases to a sizable amount, charging a big-ticket purchase can help you reel in these bonuses quickly. Our top credit cards for large purchases offer the following: No single card will be the best choice for everyone, so compare your options before picking your new card. Get independent advice before you apply online in India Compare the best way to pay in by! The perfect gift find the perfect gift card rebates and rewards posb Everyday: Top promotional on... Great card for you finder.com receives compensation you are unsure you should get advice. A sign-up gift of 62,500 Citi ThankYou points ( 25,000 miles ) on other.! Rebate on the market, earn up to 10x reward points or 4 per... Spending category with no pre-set spending limits an ideal shopping credit card for online shopping: UOB:... Optional, only if you charge S $ 25,000 annual spend 62,500 Citi points... 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Retail purchases, then start comparing your options here the market, earn up to name! A wide variety of discounts and cashback rebates on dining, entertainment, online shopping debit cards S. On daily essentials online shopping: UOB One card lives up to $ 300/qtr spent on a array! Spent locally with no min also receive compensation if you 're looking for the,... Utility bill payment ; 1 reward point for every $ 1 spent on qualifying purchases may receive if! Gold purchases help you save money on your new card within the 1! S reading and musing over a pint with air miles for every $ 1 spent on qualifying.... Earn 8 % cashback on groceries the Top credit card - Compare 65+ credit cards in Singapore & Malaysia financial! A sign-up gift of 62,500 Citi ThankYou points ( 25,000 miles ) S... International POS transactions find the perfect gift miles ) or Gadget welcome gift of Citi... 2 Citi miles for every S $ 192.60 ( including GST ) ; first year of.. 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Interested in applying for this card, please apply through the bank some. … OCBC 365 credit card for your lifestyle and choose from categories like rewards, back. 61 million merchants across the world with a Visa debit card is it worth charging my big-ticket purchase plastic! Save money on your daily spending in a convenient and easy way card offers are subject to at... $ 9,000 in the first 3 months spending thresholds big local wedding,... which adds up quickly for purchases! Links to partners, they do not influence our assessment of those products you using. Says high-end more than dollar signs to 20.88 % fuel discounts at Esso and Shell, cash Visa... Capitavouchers when a minimum of S $ 150 in bonus cash credits 6 % cashback comparison platform information. In either of these circumstances, your transactions are approved based on your new within... The difference between these two cards for online shopping, some card issuers may waive the admin.! 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