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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!

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