What is the first credit card you should have based on your lifestyle!

If you're a person who loves TRAVELLING -- AIRMILES
1. DBS Altitude Visa: Affordable Luxury Perks
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
Alternative: 10,000 bonus miles w/ payment of annual fee
1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
Miles earned never expire
Free travel insurance, 2x lounge visits, golfing & dining privileges
DBS My Preferred Payment Plan (0% interest instalments)
2. Citi PremierMiles Visa Card: Annual Bonus Miles + Lounge Access
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver
10,000 bonus annual renewal miles (worth S$100)
1.2 miles per S$1 local spend, 2 miles overseas
Miles earned never expire
2 free lounge visits & free travel insurance
3. KrisFlyer UOB Credit Card: Top Miles for Young SIA Loyalists
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver
3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
1.2 mi/S$1 on general spend
10,000 annual renewal miles
Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
If you're a person who loves Cashback
1. UOB One Card: Best Flat Rebate Rate
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver
5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
Up to 10% on Grab & select UOB travel, 6% on utilities bills
3.33% rebate, up to S$100/quarter (S$1,000 min spend)
3.33% rebate, up to S$50/quarter (S$500 min spend)
UOB SMART$ Rebate Programm
2. Maybank Family & Friends MasterCard: Top Rebates in SG & MY
Fees, Rewards & Perks
Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
0.3% rebate all other spend
Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
3. Citi Cash Back Card: Cashback for Global Food & Transport
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver
8% cashback on dining, grocery, & petrol (any station)
Up to 20.88% fuel savings at Esso & Shell
If you're a person who loves NO FEE credit cards
1. OCBC 365 Card: No-Fee Rebates on Essentials
Fees, Rewards & Perks
Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
6% rebate on dining & online food delivery
3% rebate on groceries, land transport, recurring bills & online travel
Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
Free travel insurance, Visa Signature Privileges
2. Maybank Horizon Visa Signature: Best Miles for Local Spend
Fees, Rewards & Perks
Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
Up to 17.2% fuel savings on petrol in Singapore
Access to airport lounges & free travel insurance
If you're a person who's a HIGH SPENDER
1.Citi Cash Back+ Card: Top Limitless Rebate Rate
Fees, Rewards & Perks
Annual fee: S$192.6, waived for 1 year
Unlimited 1.6% rebate on all spend
No minimum spend requirements
2. Standard Chartered Unlimited Cashback Card: Unlimited Rebates + Transport Perks
Fees, Rewards & Perks
Annual fee: S$192.6, 2-year waiver
Unlimited 1.5% cashback on all spend
Up to 21% fuel savings with Caltex
3. American Express True Cashback: Unlimited Cashback + Wedding Perks
Fees, Rewards & Perks
Annual fee: S$171.2, 1-year waiver
Unlimited 1.5% cashback on all spend
Free travel insurance & Amex Selects Privileges
Up to 22.2% fuel savings with SPC
If you're a person who's a LOW SPENDER
1. OCBC Frank: No-Fee & Low Min. Spend Requirement
Fees, Rewards & Perks
Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
6% rebate on online spend
5% weekend rebate on local entertainment & select cafes (3% weekdays)
2. Citi SMRT Card: Top Rebates for Young Professionals
Fees, Rewards & Perks
Annual fee: S$192.6, 2-year waiver
Up to 7% rebate on groceries, 5% on fast food, movies & coffee
3% online shopping, 2% on health & wellness
EZ-Reload functionality with 2% rebate on Auto Top-Ups
3. Maybank Platinum Visa: Flat Rebate for Small Budgets
Fees, Rewards & Perks
Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
S$30 quarterly rebate with at least S$300 monthly spend
S$100 quarterly rebate with at least S$1,000 monthly spend
Local spend below S$300 minimum does not earn rebate
Free travel insurance
If you're a person who loves ONLINE & MOBILE PAYMENTS
1.HSBC Revolution: No-Fee Miles for Social & Online Spend
Fees, Rewards & Perks
Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
Online rate includes travel bookings, recurring bills & transit payments
No minimum spend requirement
2. DBS Live Fresh: Easy Rebates for Modern Spenders
Fees, Rewards & Perks
Annual fee: S$192.6, 1-year waiver
5% rebate on online spend & contactless purchases
All-in-one card with SimplyGo functionality
With all these options, we are sure that you will definitely find one credit card that suits your lifestyle!