4. Annual fee applies. “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. Visit Site. First 200 new customers only. Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. For many, nothing says high-end more than dollar signs — lots and lots of dollar signs. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. When making online purchases with the credit card of your choice, you're … The best way to pay for a big-ticket item is to use your credit card’s instalment payment plan. If you are unsure you should get independent advice before you apply for any product or commit to any plan. With all that extra cash, you might even be able to thrown in those eye-catching gold earrings you … Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more. Image Courtesy of UOB. Get S$150 cash credit when you apply. These consumers want to see plastic that can purchase just about anything, regardless of its cost, and the high-end cards are those that can make it happen. ATM and debit cards are often the first plastic card you’d gain access to. Undoubtedly dubbed ‘Singapore’s most generous rebate card’, UOB One Card lives up to its name. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. 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. Find out the best for you! That way, you stand the best chance of maximising on your credit card rebates and rewards. Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. 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*. If you need a real credit card, please apply through the bank or some institutions. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. We’ve searched the wide world of credit cards and pulled together a list of what we believe are the four best credit cards for jewelry purchases. Need to get something a new pair of Bluetooth headphones but have no time to visit Sim Lim Square? Fret not – make an order online from Lazada, Taobao, or Mustafa (. ) 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. Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. First 200 new customers only. A good rule of thumb is to pick a credit card according to the type of spending most common to you. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. 6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel. Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap. 1.6% on overseas spend. Get the most value from your credit card. Prefer a card we didn’t mention? 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. 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. The Best Shopping Credit Cards In Singapore 2020. So if you want a credit card that is optimised for big-ticket purchases, then start comparing your options here. 5.0 Apply Now. Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Below is a list of cards you could consider. The right reward type will depend on your personal preference and spend bonuses that the card is offering. 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. 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. Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Can I use these credit card to buy something? Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada. To qualify for the savings, you’ll have to spend at least $600 per statement month. Apply today and enjoy up to S$150 in cash credits. Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600. 6% cash back on dining, 8% cashback on groceries and petrol transactions. But what’s the difference between these two cards? Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. ... but you may consider using a charge card instead of a credit … 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! (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. 3. While we receive compensation when you click links to partners, they do not influence our content. 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. 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 Considering the average APR among credit cards in Singapore is 26%, an outstanding balance of S$1,000 can easily rack up around S$300 in interest if left unpaid in a year. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. You may qualify for savings that you otherwise wouldn’t. Plus, free travel cover. T&Cs apply. 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. Fret not – make an order online from Lazada, Taobao, or Mustafa (among others) and you’ll earn 10x rewards points too. Perpetually free for Advance banking customers. If you happen to have an Advance banking account, you can get up to 3.5% rebate across all spends (capped at $125 per month). Best High-End Cards for Big Spenders. 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. 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! This credit card provides generous rebates on your online purchases (fashion, travel, electronics, etc) to the tune of 3% cashback on weekdays, and 8% on weekends! Annual Fee … Cashback credit cards offer perhaps the most straightforward type of reward for consumers. No, never. I found and applied for a cashback card easily on their website. Best Cashback Credit Cards Singapore. Many credit cards offer bonus incentives, free hotel stays, or elite status upgrades when you hit pre-defined spending thresholds. ... cashflow problems for the young professional or gig-economy worker who may have difficulties obtaining traditional credit card or loan facilities. Zyane Tan & James Martin ... It’s usually set at about 2.5%–3.5% of your payment. When you choose this method of payment, your bank pays the entire sum on your behalf. 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. By understanding how long you’d take to pay off the transactions and how much the interest will cost you, you may do a side-by-side comparison with the potential rewards it brings and finds out which option brings you the most value. )Wells Fargo Propel American Express Card. 6. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Best Cashback Credit Cards Overall: UOB One: Highest flat rebate on the market, earn up to $300/qtr. Deals and discounts in more than 90 countries. Choose between a S$150 cashback or Samsonite suitcase if minimum spend requirements are met. Apply online. The sheer variety of credit cards available in Singapore – and the attractive rewards and privileges they offer – can make choosing one a difficult task. Once you’ve maxed out the credit limit of your credit card, you can no longer make any further transactions. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. While we are independent, we may receive compensation from our partners for featured placement of their products or services. 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. 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. NerdWallet’s credit card experts rank the best credit cards out there. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. testing. VISA. Find the best credit card for your lifestyle and choose from categories like rewards, cash back and no annual fee. 6% cashback on dining and 8% cashback on groceries. Get S$150 cash credit if you spend S$1,500 or more within 30 days. However, note that you have to spend $888 per statement month to earn 8% cashback. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. SingSaver.com.sg’s comparison tool helped me decide on an air miles card in 10 minutes.” ”, “ “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. Credit card offers are subject to change at any time. 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. T&Cs apply. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. CIMB Platinum Mastercard. CASHBACK. If you’re interested in applying for this card, here are the qualifying criteria and fees. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. Related reading: Best credit cards for purchase … Best Credit Card for Groceries: Citi Cash Back Visa Card. 5% cashback on fuel purchase and phone and utility bill payment; 1 reward point per Rs. Here are some of the top credit card deals on gold purchases in 2020. 1. Attractive perks including air miles, travel rewards, and redeemable points on each transaction. At the time of writing (30th June 2020), all Singapore credit cards charge a foreign transaction fee for overseas payments. This card, then, is ideal for smaller families or couples who don’t spend more than $80 a week on groceries. ... Wouldn’t it be nice to get 1% — or even 5% — cash back on such a big purchase? Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! Apply today and get up to S$150 in bonus cash credits. Top 6 Air Miles Credit Cards in Singapore 2019 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. If this describes you, an ideal shopping credit card for you would be the OCBC Titanium Rewards card. Get up to 20.88% fuel discounts at Esso and Shell. Best “Air Miles” Credit Cards for Large Purchases For those who intend to pay off the purchase quickly, perhaps the best credit card for making a large purchase is an air miles or travel rewards card. ... - Best Credit Cards For Large Purchases - Best Credit Cards For Weddings - Best Gas Cards For Bad … This measure is part of MAS’ ongoing efforts to help Singaporeans manage unsecured debt. T&Cs apply. Impact of a Large Credit Card Purchase on Credit Utilization. Foreigners: $40,000 or Fixed Deposit collateral of min. We may receive compensation from our partners for placement of their products or services. Agoda Credit Card Promotions To Book Your Holiday 2019 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. Citi Cash Back: Up to 8% discount on food & petrol. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. 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. )Bank of America Premium Reward Credit Card. While many cards carry this benefit, the Amex Gold Card provides an astounding $10,000 in protection per incident and up to $50,000 for all incidents in a calendar year. 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). Make payments conveniently at over 61 million merchants across the world with a Visa debit card. Personalised, bite-sized reads, money hacks and product recommendations. Minimum S$1,500 spend within 30 days. Citi® Double Cash Card – 18 month BT offer. When she’s not busy typing away, she’s reading and musing over a pint. Editor’s note: This is an unsponsored and unbiased review. The best return for credit card spending happens when you qualify for the initial sign-up bonus after being approved for a credit card. ... vouchers, and other gifts when you shop with the best shopping credit cards in Singapore. and you’ll earn 10x rewards points too. However, some card issuers may waive the admin fee. Already signed up? $10,000. Love it.” ”, Discover for yourself the most suitable option. 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. 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). SingSaver's … Find out which banks in Singapore offer them. Credit Card 0% Instalment Plan: Recommended for most purchases. Best Dining Credit Cards in Singapore 2019. Is it worth charging my big-ticket purchase to plastic even if I can't afford to pay in full by the next statement? While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. And if you’re ready to make a big purchase or two today, you’ll get 0% APR on purchases for the first 15 months of card ownership. Find the perfect gift. is the key to unlocking the best value over time. 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. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. First 200 eligible applicants only. Travelers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. Optional, only if you want us to follow up with you. These cards are not representative of the entire market. ... American Express True Cashback Card: Purchasing big ticket items in the first 6 months: 1.5% on all spends and 3% cashback on first $5,000 in the first 6 months: ... Entertainment & Recreation, Automobile and Duty Free Store purchases 1.5% on all other spends: 1 … 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. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. Also, if you can afford the splurge, charging it to a credit card may be an excellent alternative compared to traditional financing. And the total cashback you can earn is capped at $60 per month. Groceries are among the most common spending categories among Singaporean families so it ... 2. Best Credit Card for Online Shopping: UOB YOLO Card. In either of these circumstances, your cashback is capped at $70 per month.). Learn about how TransferMate’s personal product works and what it can do for you. Best Credit Cards to Pay Lawyers and Legal Fees. Cardholders can avoid the card’s S$192.6 annual fee as well with S$25,000 annual spend. And if you’re wondering why the big deal over 10x points, let’s put it this way: 10x rewards points per dollar spent is equivalent to 4 KrisFlyer miles per $1 – that’s an earn rate that exceeds even premium credit cards. Finder is committed to editorial independence. 5. 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. About www.BestCreditCardGenerator.com 5% cashback on all purchases at Amazon for Amazon Prime customers in addition to existing offers. 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. The biggest benefit of using the card is its generous purchase protection. finder.com is a financial comparison and information service, not a bank or … 150 spent; 5X rewards on International POS transactions If you do decide to go with credit payments, here are some tips to help ensure that it stays affordable and convenient: Find out more on how to make large purchases using a credit card with our guide. More details of the card are given below. 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. Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. Apply today and get S$150 in bonus cash credits. Here are a few cards with substantial minimum spending requirements you might consider if you come up against personal … The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. S$800. Zyane Tan is an associate editor at Finder. 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. Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases. The main advantage of charge cards is that they come with no pre-set spending limits. We may also receive compensation if you click on certain links posted on our site. 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. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month. Otherwise, you’ll only earn 1.5% rebate. TL;DR – Best Cashback Credit Cards For Working Adults In 2018. Citi PremierMiles Card. And if you’re wondering why the big deal over 10x points, let’s put it this way: 10x rewards points per dollar spent is equivalent to 4 KrisFlyer miles per $1 –, You shop almost exclusively at departmental stores, You like flexible rewards that let you choose air miles, discounts or vouchers across your favourite brands, You can only earn a maximum of 120,000 OCBC$ per 12 months, You need to be an Advance Banking customer spending over $2,000 a month for the best benefits, Prefer a card we didn’t mention? Maybank Family & Friends: Rebates up to 8% in Singapore & Malaysia. Waived annual fees for the first year of usage. T&Cs apply. T&Cs apply. 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. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. on Citibank's application. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. What are the best reward types for charging a large expense to? The Best Credit Cards in Singapore 2020. 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. 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. If you're using a credit card to … We've researched all the credit cards that provide rewards beneficial to newly weds. Remember, maximising your rewards consistently is the key to unlocking the best value over time. … We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. Find the perfect gift S$0 annual fee for the first 1 year and S$192.60 thereafter. Find out about the Citibank Debit Mastercard features and fees in this review. A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. Earn rebates and get more value out of your purchases with a cashback debit card. Earn 1 Reward point for every $1 on all spend. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Standard Chartered Unlimited Cashback Credit Card - Best for unlimited cashback with Ez-link capabilities; American Express True Cashback Card - Best for savings on big purchases; Citi Cash Back Card - Best for savings on dining, grocery and grab spendings SingSaver's Exclusive Offer. Monthly Spend Required. Unlimited 1.5% cashback thereafter on any spend: OCBC Cashflo Mastercard: 3 months or 6 months: S$100: Department stores 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. What Is the Best Cashback Credit Cards For Groceries. If you do a lot of online shopping (excluding groceries and food deliveries), a good way to reap some savings is to shop with the UOB YOLO Card. You can use SingSaver’s free comparison tools to. 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. Compare the Best Credit Cards for Wedding Expenses by Dollar Value. The Wells Fargo Propel American Express Card is a great card for big purchases if you want to earn some excellent rewards back. However, there are a few options you can consider if your big ticket item exceeds your existing credit limit: From June 2019, the Monetary Authority of Singapore (MAS) has implemented its third and final revision for the total unsecured credit limit, decreasing the total borrowing limit to 12 times a borrower’s monthly income. Best Miles Credit Cards. Basically, if you find yourself spending large amounts periodically, this credit card can help you unlock the most value. Get 45,000 miles when you spend S$9,000 in the first 3 months. I found and applied for a cashback card easily on their website. 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. 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. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. 10% on Dining, Petrol, Travel. New customers can get S$150 in bonus cash credits. Impact of a Large Credit Card Purchase on Credit Utilization. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. Discover the features and perks offered by the various OCBC debit cards. 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. 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. This Standard Chartered Credit Card is among the best cashback credit cards in India with major benefit on fuel and utility bill payment. You can earn thousands of points and miles, activate an attractive spending bonus, receive a free hotel stay or even earn elite status with a partner loyalty program. 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. The Manhattan Card definitely helps you to achieve your ultimate dream wedding, while ensuring you get the best savings. T&Cs apply. By Alevin Chan Use These 5 Credit Cards to Pay for Your Grab Rides 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. How to choose the best credit cards for large purchases Compare credit cards that will benefit you most for your next large purchase. The Citi Cash Back Visa Card offers 8% cashback on all your grocery bills – the highest among all credit cards. Save on your next purchase of gold with a credit card. Also, get six complimentary golf games across Asia. 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. S$25 (per category, maximum of SS$100 in total), 10x points on departmental stores and online merchants (equivalent to 4 air miles per S$1), 10,000 OCBC$ (120,000 OCBC$ per 12 months), You want the highest cashback on groceries, You also enjoy cashback on dining, Grab, and petrol, Minimum spend of $888 per month to unlock cashback, Cashback for groceries capped at $25 per month, You want to save money while shopping online, Minimum spend of $600 per month to unlock cashback, Need to get something a new pair of Bluetooth headphones but have no time to visit Sim Lim Square? Compare the best credit cards in Singapore for wedding. T&Cs apply. This card offers you cash rebate as generous as 5% on all your purchases! This card also offers a fairly high initial credit limit of at least $5,000 and an average of around $10,000. How we chose the best credit cards for large purchases. If you're using a credit card for everyday purchases, consider this. 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