Having said that, it is also worthwhile to remember that points are useless if you have nothing to redeem them on. One drawback is the relatively low cap for bonus points. Upsize Your Adventures. If you already have a Standard Chartered credit card, you’ll be rewarded with $30 cash via PayNow when you sign up. Combine that with the generous bonus point cap of 1,800 points per month (equivalent to $9,000 spend) and you are sure to reap as many points as possible. Valid till 31 December 2020. T&Cs apply. Read on to find out how to choose the best credit card for high income earners and decide which card is right for you. You can earn 10 points per $5 spent, on everything from food and grocery delivery to movie tickets and hotel bookings –– as long as the transaction is processed over the internet. HSBC rewards aren’t the most astounding in terms of variety, but the catalogue is lovely and well-curated. Do you find yourself spending on different things during different times of the year? T&Cs apply10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate10X Rewards capped at 10,000 Points per statement month and expires every 5 years See all card details, 10X Rewards on all online purchases (excludes travel-related transactions). Maybank Horizon Visa Signature Card stands out as one of the best miles credit cards for everyday spenders because consumers can earn high rewards rates for both local and overseas spend. Make sure you have this card in your wallet as well because you get the same 10X rewards on contactless payment (Visa payWave), which is available practically everywhere now. UOB PRVI Miles American Express Card . 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. The UOB Lady’s Card is a rewards credit card with a unique twist. SingSaver exclusive promotion: Receive a set of Sony WF-1000XM3 Wireless Noise Cancelling Headphones (worth $349) or $300 cash via PayNow when you make a qualifying spend within 30 days of card approval. Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, Senreve etc. These points can be used in different ways, such as converting them into air miles, voucher redemptions, claiming of exclusive products, or even to offset your credit card statement. 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! Read these next:Best Cashback Credit Cards In Singapore 2020Top Credit Card Promotions And Deals On SingSaverCashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?Best UOB Credit Cards In Singapore (2020)Best American Express Credit Cards In Singapore (2020). OCBC rewards are fairly basic – the usual KrisFlyer miles and shopping vouchers at major retailers, plus dining vouchers at a better-than-average selection of restaurants. Online spending includes travel bookings (flights, hotels, activities like Klook), daily essentials (online groceries, food delivery, GrabPay credits) and online shopping. Check the expiry date of your points too, so you don’t get a nasty shock when you try to redeem stuff. If you’re after Amex rewards points, you can slowly earn them with an Amex Platinum credit card, which is mainly for dining and clubbing privileges. On travel booking sites such as Expedia and Agoda, this earn rate can go as high as 6 miles per dollar. Rewards program. And of course, they’re a good way to earn air miles with your day-to-day local spending. It can get tricky trying to find the best reward credit card because each bank has its own unique point system. Typically, there is no minimum spend required to earn points, so you’ll accrue points as long as your transaction is eligible. But that’s reasonable for average Singaporeans who don’t live the high life. Now that you know what to look out for in a rewards credit card, have a look at our recommended rewards credit cards. Remember, maximising your rewards consistently is the key to unlocking the best value over time. spend of $80 is required. Not everyone will be able to apply for these cards. Whether you are looking for a card that will reward you of dining, travel, air miles and petrol rebates, it is best to check all available options and make sure that your choice will match your needs and lifestyle. 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. But my favourite ones are Dining and Travel. Best for. Additionally, 10x points also applies for food delivery, online shopping and contactless payments. Make sure you have this card in your wallet as well because you get the same 10X rewards on. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. You can enjoy cash backs as rewards with these credit cards: UOB One Card: Best Flat Rebate Rate: Up to 5% rebate on all spend, S$300/quarter. But considering that this card is a premium credit card catered to the more affluent segment, things suddenly click into place. The maximum bonus points you can earn is 120,000 points per 12 months, beyond which the base earn rate of 1 point per $5 will apply instead. All financial products and services are presented without warranty. The base earn rate is 5 points per dollar for all retail purchases, which rises to 15 points per dollar (3x points) for spends in CapitaLand malls. The details you see on our site may be different from others. Even the most tech-illiterate of Singaporean aunties can know their way around them. catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. In addition, the catalogue has a smallish selection of gift cards, dining vouchers and gifts. Cashback cards have the benefit of being straightforward: you don’t need to worry about the best way to maximise your credit card rewards, you simply get paid a fixed percentage. Rewards for Online & Mobile Pay. – 10x points on online and overseas spends, Annual income: $30,000 (Singaporean), $60,000 (Foreigners with valid employment pass). Unfortunately, it’s only available to women! And if you like to shop while travelling, using this card to pay for your overseas purchases will earn you 3x points. So even though the bonus multiplier of 5X isn’t the highest, the wide basket makes it easy to rack up points fast, especially if you use it for your travel bookings. spend. Usually, applying is the only way to know if you'll be accepted for a credit card. Yes. KrisFlyer. You can also pay for Amazon purchases with rewards points, a nice way to use leftover points that are just rolling around. However, reward credit cards take a bit of work to maximise their value, and may take some quick mental sums to fully understand their value. T&Cs apply. That’s pretty much everything young working adults in Singapore spend on. Staycation hotel deals with Agoda and Klook, Activate SimplyGo to use your card as an EZ-Link. Redeem rewards with OCBC$ earned on your Best Denki Credit Card via OCBC Rewards Catalogue. won’t make you go OMGWTFBBQ, but it’s nonetheless legit. Some provide additional points on specific spending categories, such as dining or fashion. are probably the most sought-after rewards catalogue in town. Some even offer cash rebates. Eligible for use with Apple Pay, Google Pay, Samsung Pay. Citi Rewards Credit Card; Standard Chartered Rewards+; OCBC Titanium Rewards Card; HSBC Revolution; American Express CapitaCard; Maybank World MasterCard; UOB Lady’s Platinum Card; DBS Woman’s World Card; Best rewards credit cards in Singapore A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. S$30,000 and above for Singaporeans and Singapore PRs. – 10x points on 1 selected category, which can be switched every quarter. See the full review of the UOB Lady’s Card here. Also, this card comes with no annual fee for life! You should therefore consider your spending habits (where you usually shop, what you spend on, etc.) Each quarter, you may pick one category out of seven, ranging from beauty and fashion, to travel, dining and family. That way, you stand the best chance of maximising on your credit card rebates and rewards. There’s no cap on the amount of bonus points you can earn with this card, and all other retail spends earn 1 point per dollar spent. Below is a visual representation of the approximate savings one can earn by using the best shopping credit cards in Singapore. If so, you may be a seasonal spender, and might find this credit card an ideal fit. Rack up enough of them and you can enjoy a whole slew of exclusive perks […]The post Best Rewards Credit Cards In Singapore (2020) appeared first on SingSaver Blog - We Compare, You Save. For example, you earn Citi Dollars on Citibank Rewards Card, STAR$ on Amex CapitaCard and Rewards points on HSBC Revolution Card - just to name a few. As for the card itself, the OCBC Titanium Rewards Card is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) – fashion, electronics, department stores and kidswear. By Alevin ChanAn ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. Yet that marks your credit file, affecting your ability to get future credit. before you apply. With the wide array of businesses and services available online these days, this credit card could be earning you serious points. Annual fee: $192.60 (first two years free), Annual income: $30,000 (Singaporean), $45,000 (Foreigners with valid employment pass). aren’t the most astounding in terms of variety, but the catalogue is lovely and well-curated. However, categories like travel and services are excluded. UOB rewards are probably the most sought-after rewards catalogue in town. Also, a min. 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