In order to apply for a secured credit card: Please note that applications for a Secured Credit Card can only be done at a DBS/POSB Branch and subjected to approval. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. How long does it take to get a credit card? This is also one of the coveted credit cards that one can acquire in Singapore. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. The minimum annual income requirement for credit cards is set at S$30,000. If you’re under 55 years old and want to get a credit card, Monetary Authority of Singapore (MAS) stipulates that you need to meet at least one of the following conditions: Existing HSBC credit cardholders are eligible to receive S$30 cashback. Total net financial assets of at least S$1M. Get up to S$100 in cash rebates every month. VISA. Providers usually offer a credit limit that’s equal to a fixed deposit that you use as collateral. 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. CIMB Platinum Mastercard. 12,000 bonus miles upon upgrade to Amex Singapore Airlines KrisFlyer Ascend Credit Card. CASHBACK. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Get S$150 cashback with promo code ‘150CASH' when you apply online. Even then you can only apply for a student credit card with your parent or guardian’s consent. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. Pay with the Citi Mobile® App. Minimum gross annual income of S$30k if you are a Singaporean, or S$45k if you are a foreigner. S$0 annual fee for the first 2 years and S$20 thereafter. For most Singaporeans, credit cards are a means of either getting by when money runs tight or making a little extra purchases from time to time. 4.3. Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada. 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. While 18 is the minimum age to own a credit card in Singapore, in reality, most applicants will have to be at least 21 years old. CIMB Platinum Mastercard Fees & Charges Terms & Conditions 1 The 10% cashback is capped at S$100 per statement month per … Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more. 5% cash rebate on petrol transactions in Singapore and Malaysia, Chance to win a trip for 2 to watch FC Barcelona every season, 1.6% cash rebate on all spend locally. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. 21 years old. Can I get a student credit card that offers rewards? T&Cs apply. This policy is part of the strict lending rules that protect young Singaporeans from accumulating debt they are not yet mature enough to take on. T&Cs apply. Visit Site. T&C apply. An alternative is to apply for a Secured Credit Card if Minimum Income Requirement is not met. Earn rewards on your daily spending and save on shopping, dining, petrol and more with the UOB Preferred Platinum Visa Card. Simply login to … Get S$150 cashback using promo code ‘150CASH’ or up to 38,000 miles using promo code 'ALTAF' when you apply online. There are also considerations like the ability to pool points across different cards; miles transfer fees, point expiry, and finding redemption sweet spots like the Spontaneous Escapes promotions. PAssion POSB Debit Card. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express. S$0 annual fee for the first 3 years and S$160.50 thereafter. What credit card options are available for people under 21? 1.2 Miles Per Dollar. Air Miles Conversion Fee. In Singapore, you need to be at least 18 to apply for a credit card. S$96.30 a year (First year free) Interest rate. 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. Get up to 20.88% fuel discounts at Esso and Shell. Alternative options to getting a credit card, The difference between a debit card and a prepaid credit card, American Express Singapore Airlines KrisFlyer Ascend Credit Card, American Express Singapore Airlines KrisFlyer Credit Card, Standard Chartered Unlimited Cashback Credit Card, Maybank Manchester United Platinum Visa Card, Standard Chartered Prudential Visa Signature Card, Standard Chartered Visa Infinite X Credit Card, Standard Chartered Priority Banking Visa Infinite Credit Card, Standard Chartered Platinum Visa Credit Card, Standard Chartered NUS Alumni Platinum Credit Card, Standard Chartered Prudential Platinum Credit Card, Standard Chartered Visa Infinite Credit Card, Standard Chartered Business Platinum Credit Card. While we are independent, we may receive compensation from our partners for featured placement of their products or services. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. However, just like its counterparts, its minimum annual income requirement is also high at S$120,000, while the annual fee for this card is S$535. 12,000 Bonus KrisFlyer miles upon upgrade to KrisFlyer Ascend Credit Card. Pay with Citibank Online. S$0 annual fee for the first 3 years and S$180 thereafter. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Also enjoy up to 8% off accommodation bookings globally with Agoda. To be a Principal Card holder, you will need to be above 21 years, earn a gross annual income of S$30k if you are a Singaporean, or S$45k if you are a foreigner. Many have a S$500 monthly credit limit, paired with no income requirement–perfect for first-timers. Learn more. If your monthly spend is between S$1,000 and S$2,000 you can expect to meet the minimum spend for cards, but most will still have a cap on cashback. A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Get up to S$150 statement credit with minimum spend at Love Dining partners and a free Bang & Olufsen Beoplay E8 3rd Gen wireless earbuds (worth S$499) when you spend S$5,000 in the first three months. Get up to 3% cashback on all online spend in foreign currency and all vPost spend. Additionally, get 1% cashback on your approved Funds Transfer Amount. Also, get six complimentary golf games across Asia. Get S$50 cash credit when you apply. Yes, most student credit cards available in Singapore offers some form or rewards or cash rebates, much like a regular credit card. Pay with Self-service Phone Banking. S$3,000 minimum spend per month, Earn up to 5X TREATS Points (2 air miles) on all spend, S$0 annual fee for the first 1 year and S$600 thereafter. Total net personal assets of at least S$2 million. Let’s take a closer look. S$0 annual fee for the first 5 years and S$192.60 thereafter. S$192.60 (including GST); first two years waived. T&Cs apply. Earn 35,000 bonus miles in the form of 87,500 points when you apply for the Visa Infinite Credit Card. Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime, 1% Cashback for qualified spend of above S$5,000. Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases. Late payment charge. Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. Get S$150 cashback with promo code ‘150CASH' when you apply online and spend a minimum of S$800 within the first 60 days from card approval date. 32 Reviews. Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. 6% cash back on dining, 8% cashback on groceries and petrol transactions. Enjoy up to 3.33% cash rebates on local and foreign currency spend. Get up to S$9,600 cash reward when you start a Priority Banking relationship. Credit card rollover balance refers to the balance that incurs interest charges in the event that the credit card charges are not settled by the payment due date. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. 10% on Dining, Petrol, Travel. Maintain a SGD Fixed Deposit Account with a minimum of SGD$10,000 placement. T&Cs apply. 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. These credit cards are offered by most Singapore banks and require no minimum income, such as the Maybank eVibes Card - The Student Card. It’s also worth keeping in mind that age is only one key application criteria you’ll have to consider when applying for a credit card . Up to 8% cashback on groceries, food delivery, transport, petrol and more with minimum spend of S$800 per month. Get up to S$150 cashback when you sign up online and use promo code '150CASH' by 30 June 2021. But if you’re looking at credit cards for students, the age requirement can drop to at least 18 years old instead. Annual Income. S$0 annual fee for the first 1 year and S$32.10 thereafter. Receive up to S$200 cashback. 3. Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap. Finder is committed to editorial independence. Receive S$168 cashback when you apply and make three eligible transactions. Becoming an authorized user has looser age requirements than if your kid opened their own card, since the minimum age to open a credit card as the primary account holder is 18. Get an Adidas wristwatch worth S$120 when you use your card in the first month. S$0 annual fee for the first 1 year and S$85.60 thereafter. 1.6% cash back on selected retail purchases. Only an existing Principal Card holder can apply for a supplementary card. Best for millennials: UOB YOLO. Huat power savings with extra 8% cashback and over 100 DBS/POSB deals to choose. Do I meet the minimum income for a credit card? T&Cs apply. … Total net personal assets of at least S$2M. New Citibank customers can get S$250 Lazada & RedMart vouchers upon minimum spend of S$250. Get up to S$150 cashback when you sign up online and use promo code '150CASH' by, Up to 5% cashback on online and contactless spend (including SimplyGo rides). Contact support and we'll try to resolve your issue quickly. Find out the main types of assets that can be used as collateral for personal loans, car loans and business loans. Enjoy up to 10% cashback on dining, groceries and shopping! You can pay your credit card bill using any of the following methods:- 1. To apply for a Principal Credit Card, you’ll need to be at least 21 years old. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. For budgets above S$2,000 per month, most cashback cards will not have a minimum spend requirement, and will often offer unlimited and uncapped cashback. Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles. Earn 1 Rewards point for every S$1 charged to your card. $50, whichever is higher. Plus, complimentary travel medical insurance. Reply . Get bonus rebates on groceries, contactless transactions and household bills with the UOB Delight Credit Card. S$0 annual fee for the first 1 year and S$192.60 thereafter. FIs can issue credit cards to individuals up to 55 years old if they meet one of these criteria: Annual income of at least S$30,000. Citi PremierMiles Card. Min. If you want to get a credit card, MAS mandates that you meet at least one of three conditions: Annual income of at least $30,000. For rollover balances and the number of main and supplementary cards, the figures given are as of end of each month. Minimum Age. Deals and discounts in more than 90 countries. Earn 1 Reward point for every $1 on all spend. S$0 annual fee for the first 2 years and S$80 thereafter. Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. S$0 annual fee for the first 2 years and S$192.60 thereafter. A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance, 10X TREATS Points (4 air miles) on every S$1 spent at selected merchants, S$0 annual fee for the first 1 year and S$240 thereafter. So what is the difference between Visa and Mastercard credit cards? New cardholders will be awarded with up to S$200 cashback. Annual fee applies. See the comparison between the two. T&C apply. Factors of Credit Card Eligibility Criteria Age: You must be at least 18 years old. Earn 1 reward point for every S$1 charged to your card. After careful analysis, our experts identified the best credit cards in Singapore specifically designed for students. That is equivalent to a monthly salary of $2,500, or even lower if you typically receive a 13 th month bonus every year. Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap. There is no minimum income requirement for this card. Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600. Shopping, travel and lifestyle offers at over 3,000 outlets in Asia. Miles/Travel. 6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel, Up to 50% off your food bill for unlimited visits at hotels around Singapore. Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. Few of us will meet meet conditions (2) or (3), but most working graduates are quite likely to satisfy condition (1). The minimum sum is usually 3% to 5% of the unpaid balance, or a specified amount, e.g. S$0 annual fee for the first 1 year and S$256.80 thereafter. Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card, S$0 annual fee for the first 2 years and S$160.50 thereafter. 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. Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. The minimum age for a credit card in Australia is 18 years old. Earn 3X STAR$ when you shop at participating CapitaLand malls, and more. New card members can receive 120,000 STAR$ (worth S$120 eCapitaVouchers) upon S$2,400 minimum spend at participating CapitaLand Malls merchants within the first 2 months of card approval. The cardholder receives 50,000 membership reward points if they spend over $5000 in the first six months after their card is approved. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Plus, enjoy a global concierge service, Get up to S$50 cash credits to offset your credit card payments, S$0 annual fee for the first 2 years and S$180 thereafter. 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. Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery. Earn generous rewards when you spend with the UOB Professionals Platinum card including perks on dining, shopping and fuel. T&Cs apply. T&Cs apply. 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. Plus, 3% savings on online shopping and 0.3% savings on all other spend, Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned. Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$ 75,000 in aggregate per depositor per Scheme member by law. Enjoy 1% cashback on marketing and SaaS spend. Be a KrisFlyer Credit Card Member for a minimum of 9 months, and spend a minimum of S$10,000 within 12 consecutive months. At the ripe old age of 21 all the card options open up to you. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month. Plus, up to 25% off on postal services and lots more. Requirements vary between providers and individual products, but the following are some of the most common conditions: If you’re above 18 but below 21, you are eligible to apply for student credit cards with a parent or guardian’s consent. Existing DBS/POSB Credit Cardmember There’s no additional document required. T&Cs apply. Information is easy to understand and find, Information is useful to answer your inquiries completely, Terms and Conditions Governing Electronic Services. annual income (Singaporean/Singapore PR): S$30,000. T&Cs apply. Enjoy cashback on all purchases with no minimum spend or cap. The balance includes the minimum payment not settled by the due date and the rollover balance after payment of the minimum sum. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. This is the age you are legally considered an adult in Singapore and – as minors can’t be held liable for contracts – only adults can apply for credit products. It is important to be prompt in making your monthly bill payments since the finance charges and interest payments can quickly accumulate. 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. Total net financial assets of at least S$1 million. Visa vs Mastercard: What’s the difference and which is better? We may also receive compensation if you click on certain links posted on our site. What happens if I miss a payment on my student credit card? your annual income needs to be at least S$30,000. If you’re under 21 years of age, you will need to have your parent or guardian sign a consent form for your application to be approved. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. bills from your non-Citibank account almost instantly. Besides owning a credit card, you can consider the following options: Before applying for a credit card, make sure that you’ve researched your chosen card and understood the terms, conditions and eligibility requirements. While we receive compensation when you click links to partners, they do not influence our content. First 500 successful applicants only. T&Cs apply. T&Cs apply. While 18 is the minimum age to own a credit card in Singapore, in reality, most applicants will have to be at least 21 years old. Due to the high charges for late payment, you should always aim to pay at least the minimum amount off your card by the due date on your statement and contact your issuer to discuss your circumstances if you’re struggling to meet these payments. Rediscover Singapore on prosperous deals. finder.com is a financial comparison and information service, not a bank or Up to 24.2% petrol savings at Caltex stations. Receive 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months. at the issuer's secure website. Discover the different loan options available to help you meet the cost of your big day. Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months. Optional, only if you want us to follow up with you. 2. Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. Receive S$168 cashback when you apply and make three eligible transactions. Having a credit card is an important step to building a credit score while preparing to enter adulthood. Enjoy up to 10% cash rebates on dining and online shopping! We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Local Spending. Get 2 air miles per S$1 spent overseas and 1.4 air miles per S$1 spent locally. For foreigners residing in Singapore, a minimum annual income of SGD40,000 is required. The Singapore credit card numbers are valid because it was generated based on a mathematical formula which complied with the standard format of credit card numbers, These details are 100% fake and do not hold any value in real life. Fees. Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap. Rebates and Promotions for Essential Goods. … Look for the nearest branch using our Branch Locator. S$100. Learn more. CITIBANK SINGAPORE; Forms Center. You only need to be 18 years old or older. From us for eligible dining transactions, with no min points when you spend S 250.: S $ 10,000 placement only if you are a Singaporean, or $! Try to resolve your issue quickly HSBC credit cardholders are eligible to S. Covered by our service get 2 air miles in Full UOB JCB card designed... 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