Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600. Unlimited 1.5% cashback thereafter on any spend: OCBC Cashflo Mastercard: 3 months or 6 months: S$100: Department stores Impact of a Large Credit Card Purchase on Credit Utilization. Love it.” ”, Discover for yourself the most suitable option. 3. Apply today and enjoy up to S$150 in cash credits. That way, you stand the best chance of maximising on your credit card rebates and rewards. (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. Using your debit card in a foreign country is safe and convenient, but make sure to enable it for overseas use and look out for fees. Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. Citi® Double Cash Card – 18 month BT offer. 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. Find the perfect gift And the total cashback you can earn is capped at $60 per month. 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. Also, get six complimentary golf games across Asia. 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 Manhattan Card definitely helps you to achieve your ultimate dream wedding, while ensuring you get the best savings. 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*. is the key to unlocking the best value over time. We've researched all the credit cards that provide rewards beneficial to newly weds. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. Fret not – make an order online from Lazada, Taobao, or Mustafa (among others) and you’ll earn 10x rewards points too. This card offers you cash rebate as generous as 5% on all your purchases! 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. I found and applied for a cashback card easily on their website. How we chose the best credit cards for large purchases. Top 6 Air Miles Credit Cards in Singapore 2019 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. 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 can I do if the purchase is over my credit limit? Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. If this help you first research and understand the benefit of each of this credit card before you make a decision in having a credit card to have the best in your financial journey 32 Reviews. Credit card offers are subject to change at any time. Credit Card - Compare 65+ Credit Cards & Apply Online in India Need to get something a new pair of Bluetooth headphones but have no time to visit Sim Lim Square? ... but you may consider using a charge card instead of a credit … Visit Site. Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada. Here are a few cards with substantial minimum spending requirements you might consider if you come up against personal … 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 sheer variety of credit cards available in Singapore – and the attractive rewards and privileges they offer – can make choosing one a difficult task. If you need a real credit card, please apply through the bank or some institutions. 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. Citi PremierMiles Card. Find the perfect gift. A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. 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! Fret not – make an order online from Lazada, Taobao, or Mustafa (. ) This card also offers a fairly high initial credit limit of at least $5,000 and an average of around $10,000. POSB Everyday: Top promotional rates on daily essentials. Cardholders can avoid the card’s S$192.6 annual fee as well with S$25,000 annual spend. T&Cs apply. Find out which banks in Singapore offer them. Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. 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. Travelers. 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. Foreigners: $40,000 or Fixed Deposit collateral of min. Credit Card 0% Instalment Plan: Recommended for most purchases. If you're using a credit card to … The Wells Fargo Propel American Express Card is a great card for big purchases if you want to earn some excellent rewards back. Also, if you can afford the splurge, charging it to a credit card may be an excellent alternative compared to traditional financing. Monthly Spend Required. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. T&Cs apply. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Groceries are among the most common spending categories among Singaporean families so it makes sense to have a dedicated credit card for this. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases … Get the most value from your credit card. So if you want a credit card that is optimised for big-ticket purchases, then start comparing your options here. “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. 5% cashback on all purchases at Amazon for Amazon Prime customers in addition to existing offers. Already signed up? 2. 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). 4.3. … He’s also on an ongoing quest to optimize happiness and enjoyment in his life. 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. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. 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. While we receive compensation when you click links to partners, they do not influence our content. 5.0 Apply Now. 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. 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. 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. 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. The biggest benefit of using the card is its generous purchase protection. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month. 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! 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). This measure is part of MAS’ ongoing efforts to help Singaporeans manage unsecured debt. The best return for credit card spending happens when you qualify for the initial sign-up bonus after being approved for a credit card. When you choose this method of payment, your bank pays the entire sum on your behalf. Here are some of the top credit card deals on gold purchases in 2020. 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. Credit Card Signup Bonuses: How to Maximise Miles with Big Ticket Spending Best Credit Card for Online Shopping: UOB YOLO Card. Best Credit Cards to Pay Lawyers and Legal Fees. ... Use a card that has a high earning rate for all purchases; Pay with a new travel credit card to help meet minimum spending requirements for a big welcome bonus; ... Cards With Big Minimum Spending Requirements. Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. T&Cs apply. Ultimately, DBS Woman’s World Card is great if you’re making large online … 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. Find the best credit card for your lifestyle and choose from categories like rewards, cash back and no annual fee. T&Cs apply. Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more. Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Apply online. Whether it’s cashback, miles or reward points, you should sign up for one that allows you to maximise your earning potential. ... vouchers, and other gifts when you shop with the best shopping credit cards in Singapore. 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. The New SCB Spree Credit Card is Made For Online Shopping. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. window.dataLayerState = [{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Base Rate Cashback","TopPicksData_providerLabel":"HSBC Revolution Credit Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":1},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Travel Rewards","TopPicksData_providerLabel":"UOB PRVI Miles American Express Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":2},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Bonus Cashback ","TopPicksData_providerLabel":"UOB PRVI Miles Visa Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":3}]; We’ve chosen the cards on this page based on the providers available through Finder. 10% on Dining, Petrol, Travel. Save on your next purchase of gold with a credit card. Learn more about the rewards and perks that come with online shopping debit cards in this guide. Editor’s note: This is an unsponsored and unbiased review. But what’s the difference between these two cards? Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months. 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. 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. Best Miles Credit Cards. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Prefer a card we didn’t mention? Basically, if you find yourself spending large amounts periodically, this credit card can help you unlock the most value. product provider, We cannot provide you with personal advice or recommendations, Credit cards with free airport lounge access, Complimentary travel insurance credit cards, Minimum Income Required for a Credit Card, When to use a credit card for large purchases, When shouldn’t I use a credit card for large purchases, How to choose a credit card for large purchases, How to make large purchases using a credit card. Deals and discounts in more than 90 countries. Remember, maximising your rewards consistently is the key to unlocking the best value over time. Benefit from cashback, points and more when you manage your finances with a rewards current account. 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. Get S$150 cash credit when you apply. Once you’ve maxed out the credit limit of your credit card, you can no longer make any further transactions. If you’re interested in applying for this card, here are the qualifying criteria and fees. Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Use These 5 Credit Cards to Pay for Your Grab Rides 5% cashback on fuel purchase and phone and utility bill payment; 1 reward point per Rs. Apply today and enjoy up to S$150 in cash credits if minimum spend requirements are met. 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. If you’re planning a big local wedding, ... which adds up quickly for larger purchases. Best Cashback Credit Cards Overall: UOB One: Highest flat rebate on the market, earn up to $300/qtr. First 200 new customers only. Get S$150 cash credit if you spend S$1,500 or more within 30 days. 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. T&Cs apply. 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. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. Earn 1 Reward point for every $1 on all spend. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. New customers can get S$150 in bonus cash credits. 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. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. Annual Fee Waiver First Timers Dining & Entertainment Shopping Travel Daily Expenses Big Ticket Purchases Airport Lounge Access. Instead, your transactions are approved based on your spending patterns and payment history. Minimum S$1,500 spend within 30 days. Although the credit card number is valid, but does not really exist, expiration date, cvv and name are non-existent, can not complete the purchase. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. 150 spent; 5X rewards on International POS transactions Here are some reasons to pull out your card when making a large purchase: Avoid swiping your credit card on purchases when: When looking for the best credit card to charge your major expense on, there are several factors you should consider: It may be outside the scope of this guide, but you may consider using a charge card instead of a credit card for big purchases. Welcome deals and discounts for new users. ... As well as a credit card, you … 1. Below is a list of cards you could consider. ... 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 … Best High-End Cards for Big Spenders. Apply today and get up to S$150 in bonus cash credits. 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. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. 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. on Citibank's application. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. T&Cs apply. 4. 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. Enjoy cashback on all purchases with no minimum spend or cap. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. 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. SingSaver's Exclusive Offer. The Best Shopping Credit Cards In Singapore 2020. SingSaver's … 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. CASHBACK. 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. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. VISA. Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. When making online purchases with the credit card of your choice, you're … Not to mention, a nice one-time cash bonus just for using the card? Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. T&Cs apply. Citi Cash Back: Up to 8% discount on food & petrol. The best credit cards for large purchases are ones that let you avoid interest payments for a limited time, earn significant signup bonuses, or take advantage of excellent consumer protections. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. It’s important to carefully consider how and when you’ll be using your credit card for large purchases, as well as how soon you can repay the full amount. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. You may qualify for savings that you otherwise wouldn’t. 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. Sign in now to claim your free savings guide. Apply today and get S$150 in bonus cash credits. Related reading: Best credit cards for purchase … NerdWallet’s credit card experts rank the best credit cards out there. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. 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. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Choose between a S$150 cashback or Samsonite suitcase if minimum spend requirements are met. Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! 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? The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. The only major drawback to charging your expenses on plastic is the tendency to lose sight of your purchases and racking up more debt than you’re able to settle. Many credit cards offer bonus incentives, free hotel stays, or elite status upgrades when you hit pre-defined spending thresholds. Earn rebates and get more value out of your purchases with a cashback debit card. ATM and debit cards are often the first plastic card you’d gain access to. While we are independent, we may receive compensation from our partners for featured placement of their products or services. At the time of writing (30th June 2020), all Singapore credit cards charge a foreign transaction fee for overseas payments. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. ... cashflow problems for the young professional or gig-economy worker who may have difficulties obtaining traditional credit card or loan facilities. First 200 eligible applicants only. Get 45,000 miles when you spend S$9,000 in the first 3 months. 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. Find out about the Citibank Debit Mastercard features and fees in this review. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. I found and applied for a cashback card easily on their website. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Maybank Family & Friends: Rebates up to 8% in Singapore & Malaysia. The Sapphire Preferred® card is best for those who use it for travel and entertainment purchases, as that’s where the maximum Chase Ultimate Rewards points are earned. … finder.com is a financial comparison and information service, not a bank or 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. This card, then, is ideal for smaller families or couples who don’t spend more than $80 a week on groceries. 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. 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 S$150 Lazada Vouchers and a free 24" Samsung Monitor, plus a j5create JVCU100 USB Webcam when you spend S$5,000 in the first three months. These cards are not representative of the entire market. If you're using a credit card for everyday purchases, consider this. No, never. More details of the card are given below. CIMB Platinum Mastercard. The right reward type will depend on your personal preference and spend bonuses that the card is offering. S$0 annual fee for the first 1 year and S$192.60 thereafter. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. What Is the Best Cashback Credit Cards For Groceries. To qualify for the savings, you’ll have to spend at least $600 per statement month. Plus, free travel cover. Finder is committed to editorial independence. 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 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. Discover the features and perks offered by the various OCBC debit cards. First 200 new customers only. Learn about how TransferMate’s personal product works and what it can do for you. T&Cs apply. 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. May consider using a charge card instead of a large credit card your! To spend at least S $ 150 cash credit when you click on certain links posted on our as... ; first year of usage a wide array of subjects instead, bank! 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