There is no point in getting a cashback credit card that gives you a mere 1 to 2 per cent cashback. Making credit card comparisons can be tricky if you have little idea of your own spending habits. Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. Balance Transfer Fee: A balance transfer is what happens when you transfer your credit card debt to another card issued by a different bank. HDB BTO. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. To get a quick overview, take a look at the card’s monthly cashback cap, and the preconditions surrounding it! First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly … Using a personal finance management tracker (like - ahem - the Seedly app) or an Excel sheet could help you better identify where most of your money goes, so you'll be able to reap the full benefits of your card. Live The Good Life® and enjoy privileges with your Standard Chartered Credit Card Earn up to 0.30% p.a. Insurance. 2. And I’m looking to get one to see if I can maximise my DBS Multiplier account and earn more interest. Seedly. )Wells Fargo Propel American Express Card. ... Top rated on Seedly… Depending on which bank you get your card from, some cashback credit cards might not have a monthly minimum spend. Breaking down complicated financial pieces into idiot-proof articles. Cash Advance Fee: A cash advance allows you to withdraw money from an ATM using your credit card, and usually includes a fee of 6% on the amount drawn. The fares will be charged directly to your credit card upon usage. Property. If you’re like me and don’t have a particular supermarket chain that you frequent. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly is Singapore’s largest personal finance community. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. These could inevitably affect you in the long run, especially if you require a bank loan for your first HDB BTO, for example. Content. Personal Finance 101. Hi depends on the context. As you may have seen during your search for high quality cannabis seeds, many seed banks don’t offer the possibility to buy weed seeds with a credit card.. To access participating lounges, present your OCBC 90°N Card, or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member. This is especially the case if you've been using your credit card with fair regularity. Credit cards that are more difficult to get include the ones … if I use a 5% cashback credit card and rack up a bill of $100 in January, the 5% cash back earned ($5) will be deducted off my next bill in February. The process is pretty simple. Investments Stocks Investing Robo-Advisors Savings Insurance CPF Lifestyle Online Brokerages Retirement Career ETF In the News Syfe Credit Cards Income Tax Fresh Graduates Promo Codes Seedly Student Ambassadors StashAway Supplementary Retirement Scheme (SRS) All Miles Credit Cards Comparison. Seedly is a personal finance web app that lets you keep track of your money. The biggest credit card companies like Visa, … First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly Community.. Annual Fee: This refers to a yearly fee charged for the convenience of having a credit card. 4 MPD for all online shopping. SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly … When choosing a credit card, it is important to ensure that you are able to hit the minimum spend, without chalking up a huge amount of expenses. Credit Card Promo for Petrol. Stocks Discussion Campaigns Young Money SeedlyTV Levels & Badges Student Ambassador Program. Before narrowing in on credit card user reviews, first consider the following: Unless you're getting a student credit card, it's highly likely you'll be required to meet a minimum salary requirement prior to having your credit card application approved. This really comes down to the discretion of the bank whose credit card you're applying for. You may use your new card for public transit. Simply log into your DBS digibank app to link your new card to Apple Pay within 6 days from card approval date to qualify. Or let our SmartExchange™ technology do it for you at prevailing rates as you spend. Best Credit Card for All Supermarket Chains. We'll admit it's a bit of a catch-22; you'll need a credit card to even develop a good credit score, yet having a credit card poses the risk of earning a bad credit score. Kathlyn Laiu, Community Associate at Seedly . But did you know certain credit cards can in fact help you save money? 80k views. if I use a 5% cash rebate credit card to pay for a $100 purchase, a $5 cash rebate will be credited into my credit card account. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an email address. Your credit score tells banks and lenders how reliable you are in paying your credit card bills on time. 16% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and Additional 5% rebate on nett fuel spend after discount (equivalent to 4.2% savings before discount), provided the Cardmember spends at least S$800 in total on an OCBC 365 Credit Card … Kenneth Lou, Co-founder at Seedly. Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period. Since your question tagged 'POSB Everyday Card', I shall use that as an example. Robo-Advisors. 3. Miles cards … Offer is valid till 31 Jan 2021, for new DBS/POSB Credit … Top up instantly with any Singapore credit or debit card and hold up to S$5,000 in a secure mobile wallet. This isn’t a credit card per se but a prepaid card that is integrated with RazerPay. AMEX has more attractive merchant promotions, but this is subjective. UOB’s rebate is paid out on a quarterly basis, and the payout cap looks like this: For you to receive the maximum $300 cash rebate, you will need to: The process, however, varies for different credit cards, so do find out more about the process when you are deciding on which cashback credit card to choose from. So: what credit card can you get with a poor credit score? Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly … Most insurance companies allow paying first year premium for whole life plans using credit cards, and some through their online portal allows payment via credit card … It's easy to feel overwhelmed by the sheer amount of credit card options offered by banks - particularly if you're looking to get your first credit card. Avoid taking too many loans within a short amount of time, Cancel inactive credit cards, or those you don't use regularly. However, there may be minimum spend to unlock certain benefits. Applicable for first-time American Express Singapore Airlines Credit Card applicants only. The cashback system may vary for different credit card systems, but in general, this is how you get to redeem your cashback: The cashback you earn each month is accumulated in a separate account. The mileage you claim is pegged to the amount you spend, and we've already done the math for you here in this Guide to the Best Miles Cards. Banks do offer a grace period of between 21 to 25 days, but ignoring this window is an expensive mistake you don't want to make. Credit cards are not one and the same. We are powered by the collective wisdom and diversity of experience of thousands of Seedly community members who … Here are some of the best miles cards offered: With a cashback card, you'll be rewarded for spending on dining, groceries, online shopping, hotel stays and entertainment - plus everything in-between. I applied for it for the Apple AirPods promo with..." 1mth ago, "[Card Hacks] Large purchases like my annual premium for insurance and household items...." 6mth ago, "[Useful For...] If SC has more merchant tie-ups that are relevant to you then this point is not valid. Do you have a cashback credit card in mind? Renovation. Before delving into your comparison, it's important to first understand what getting a credit card entails, and the importance of maintaining a good credit score. Credit Cards. )Capital One Quicksilver Cash Rewards Credit . I just go to whichever has the best deals for the day. How to Apply for Credit Cards in Singapore? So take heed! Exchange rates are also shown in real-time, so you'll more or less be living like a local even while on holiday. ... Jie Sheng, Seedly Student Ambassador 2020/21 at Seedly. Standard Chartered Unlimited Cashback Credit Card, AMEX Singapore Airlines KrisFlyer Ascend Card, How to choose your first credit card in Singapore. Compared to rewards cards and air miles cards, a cashback credit card is less complicated as well! - Online spenders who spends above $210 per month ~ $2,500..." 3mth ago, "great card! If you fancy the idea of redeeming rewards in the form of vouchers for movies, shopping, dining, hotel stays and air miles, then these rewards credit cards may be something worth considering. Your borrowing history is compiled in something called a credit bureau report, and can be obtained from the Credit Bureau of Singapore for a fee of $6. A cashback credit card is basically a credit card that pays you back a certain percentage of what you spend (similar to a rebate)! Visa Credit/Debit Card … How to Apply for Credit Cards in Singapore? suit my lifestyle as i shop online frequently (3% rebate),..." 1mth ago, "[Useful For...] - On POSB website, it states 'Get UP TO 15% cash rebates'. Visa Credit/Debit Card monthly, On his first S$50,000, he earns interest at 0.40% per year; On his next S$10,000, he earns interest at 0.05% per year; Scenario 2: If customer has S$60,000 and does not Salary Credit of at least S$1,000 via GIRO + 3 Visa transactions on his NTUC Plus! Really fuss free..." 2mth ago. From benefits, points and air miles to cashback rewards, where should you even start? You should also: Apart from user reviews on credit cards - we've an exhaustive list for your perusal - these guides are an excellent segue into the world of credit cards, no matter your spending habits. In doing so, you'll be charged a balance transfer fee of around 2% to 4% of the amount transferred. (EIR from 6.95% … Spend Bonus Receive 16,000 KrisFlyer miles when you spend S$10,000 in the first 3 months of Card … without locking in your money Get cash in 15 mins with interest rate from 3.48% p.a. Guide. Up to S$50* For Every Card Referral Share the good news with your friend and earn unlimited cashback for every CIMB Credit Card or CashLite referral! The Best Credit Cards in Singapore 2020. Seedly Student Ambassadors. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card … Answered on 04 Oct 2020. )Bank of America Premium Reward Credit Card. A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. Investment 101. Master. Some reward users for online spend - or, conversely, local spend on everyday necessities. Cheat sheet: What are the best cashback cards for working adults? If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower … From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card. 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