Whatever cashback you receive will be used to offset your next bill. Since your question tagged 'POSB Everyday Card', I shall use that as an example. Good for using with DBS multiplier account time clock in the..." 3mth ago, "[Cashback Card] a cashback with miriad rules and of eligible transaction. Online payments. If you've still got burning questions after reading real user reviews on the best credit cards in Singapore, head on over to the Seedly Q&A platform! Large purchases like my annual premium for insurance and household items...." 6mth ago, "[Useful For...] Source: Razer Fintech All Miles Credit Cards Comparison. Exchange currencies in a snap Spot the best rates, and make instant exchanges for 10 currencies. Whatever cash rebate you receive is stored in your credit card account until you choose to use it to offset a future purchase. Theres a promotion that has been going on since October 2019 and it is that if you apply for Maybank Credit Cards and CreditAble, you get a complimentary luggage from American Tourister (luggage worth $260). Credit cards are not one and the same. )Bank of America Premium Reward Credit Card. This really comes down to the discretion of the bank whose credit card you're applying for. Fret not, ask our community here! 1. I think the best generic ones are stanchart unlimited card and amex true cashback card at 1.5% rebate on all spend, with no minimum. So take heed! The Credit Bureau of Singapore only tracks your borrowing history over a 12-month period - so you'll only need to maintain that to recover from a poor record. Master. If I decide to buy something else, I can ask the cashier to utilise the $5 cash rebate to offset my next purchase. To access participating lounges, present your OCBC 90°N Card, or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member. You can discuss the pros and cons of it in Seedly’s Credit Card Reviews! Breaking down complicated financial pieces into idiot-proof articles. ULTIMATE GUIDES. 80k views. Kathlyn Laiu, Community Associate at Seedly . Exchange rates are also shown in real-time, so you'll more or less be living like a local even while on holiday. The fares will be charged directly to your credit card upon usage. This is subjected to the different pre-conditions set up by the banks. For eg. These 2 designs are also applicable for card design … With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. Credit Card Promo for Petrol. Insurance. - Online spenders who spends above $210 per month ~ $2,500..." 3mth ago, "great card! Investment 101. And if you plan on shopping overseas (or in an online store that's based outside of your home country) with your credit card, you'll need to factor in possible foreign currency conversion fees. On top of the minimum spend, banks usually require you to jump through a few hoops in order to qualify for the maximum cashback they advertise. Termination of Travel Insurance. Offer is valid till 31 Jan 2021, for new DBS/POSB Credit … Answered on 04 Oct 2020. You may use your new card for public transit. If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower … This isn’t a credit card per se but a prepaid card that is integrated with RazerPay. Best Credit Cards for EZ Link. More often than not, your credit card will come with additional charges. The OCBC Travel Insurance Programme for OCBC Generic Visa Classic/MasterCard Standard, OCBC Generic Visa/MasterCard Gold, OCBC Titanium, OCBC Platinum, and OCBC Arts Platinum cards … Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. I applied for it for the Apple AirPods promo with..." 1mth ago, "[Card Hacks] There are some ways to improve a bad credit score, though. Standard Chartered Unlimited Cashback Credit Card. If you are looking for a card that helps you save while you shop, a cashback credit card is for you as you will be able to benefit from it on a regular basis. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. Credit cards that are more difficult to get include the ones … Level 6. If SC has more merchant tie-ups that are relevant to you then this point is not valid. Use your Card Instantly on Apple Pay and get an additional S$20 cashback! 5,000 KrisFlyer miles the very first time you charge to your Card. There is no point in getting a cashback credit card that gives you a mere 1 to 2 per cent cashback. A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. An example of a tiered cashback card is the UOB One (up to 5% rebate). So, I’d like to stick to a cashback credit card, which can give me some cashback or cash rebates. 4 MPD for all online shopping. Visa Credit/Debit Card … The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an … Promotions. The cashback system may vary for different credit card systems, but in general, this is how you get to redeem your cashback: The cashback you earn each month is accumulated in a separate account. Your borrowing history is compiled in something called a credit bureau report, and can be obtained from the Credit Bureau of Singapore for a fee of $6. Some reward users for online spend - or, conversely, local spend on everyday necessities. Seedly is Singapore’s largest personal finance community. OCBC Cashflo Credit Card is an interest-free auto-instalment credit card that offers you up to S$100 in monthly rebates. Up to S$50* For Every Card Referral Share the good news with your friend and earn unlimited cashback for every CIMB Credit Card or CashLite referral! As far as I know, Amex True Cashback is the only credit card that … Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs – Obsidian (FRK2020) and Vortex (PRF0002). Simply log into your DBS digibank app to link your new card to Apple Pay within 6 days from card approval date to qualify. These are usually transactions like (not exhaustive): So if you plan to clock your recurring bills under eligible spending, make sure you check if it qualifies under the, $50 (3.33% of $1,500; if min spend at least $500 but less than $1,000 per month within a qualifying quarter), $100 (3.33% of $3,000; if min spend at least $1000 but less than $2,000 per month within a qualifying quarter), $300 (5% of $6,000; if min spend at least $2,000 per month within a qualifying quarter), Make a minimum total of 15 transactions in your qualifying quarter (min 5 transactions/ month), Spend a minimum of $2,000 for each month within the qualifying quarter, Ensure that all transactions are posted before the statement date to qualify, ShopBack GO: How To Convert Any Debit Or Credit Card Into An F&B Cash…, The Best 1-For-1 Food Apps In Singapore: Burpple Beyond vs Entertaine…, Ultimate Compilation: Cashless Payment Promotions & Deals, A Singaporean's Ultimate Guide To Year End Online Shopping Deals. 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 … Spend Bonus Receive 16,000 KrisFlyer miles when you spend S$10,000 in the first 3 months of Card … Balance Transfer Fee: A balance transfer is what happens when you transfer your credit card debt to another card issued by a different bank. Best Miles Credit Cards. And then there're student credit cards, whose prerequisites are considerably lower: no minimum income requirement, no minimum spend, and far lower annual fees. How to Apply for Credit Cards in Singapore? If you’re in a similar situation, then here’s a quick introduction into the world of cashback credit cards, and how to choose the best cashback credit card! UOB’s rebate is paid out on a quarterly basis, and the payout cap looks like this: For you to receive the maximum $300 cash rebate, you will need to: The process, however, varies for different credit cards, so do find out more about the process when you are deciding on which cashback credit card to choose from. These could inevitably affect you in the long run, especially if you require a bank loan for your first HDB BTO, for example. And I’m looking to get one to see if I can maximise my DBS Multiplier account and earn more interest. I personally have the stanchart unlimited card and will be getting the amex true cashback the moment i have a s$5k expense (because you get 3% for the first s$5k spent in the first few months. Then there's the possibility of getting a bad credit score, no thanks to poor money management habits or accrued credit card interest. HDB BTO. However, most banks use the terms interchangeably, as the main idea of getting cash back to offset your bills is still kind of the same. In the News. ... Top rated on Seedly… You can compare credit cards and choose up to 3 cards. )Capital One Quicksilver Cash Rewards Credit . The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an email address. The biggest credit card companies like Visa, … Seedly is a personal finance web app that lets you keep track of your money. All Personal Accident Insurance Comparison, "[Promotions and Perks] )Wells Fargo Propel American Express Card. Still have more questions after reading the article? You'll be able to pose your questions anonymously, too. That's because a credit card's interest rates hovers at around 24% of the amount owed. Renovation. Stay updated with the latest finance tips! Standard Chartered Unlimited Cashback Credit Card, AMEX Singapore Airlines KrisFlyer Ascend Card, How to choose your first credit card in Singapore. Before narrowing in on credit card user reviews, first consider the following: Unless you're getting a student credit card, it's highly likely you'll be required to meet a minimum salary requirement prior to having your credit card application approved. So: what credit card can you get with a poor credit score? The process is pretty simple. This is especially the case if you've been using your credit card with fair regularity. 3. First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly … suit my lifestyle as i shop online frequently (3% rebate),..." 1mth ago, "[Useful For...] Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … In contrast, cash rebates may be a little hard to keep track of and are best used once you have accumulated a decent amount. AMEX has more attractive merchant promotions, but this is subjective. Hi depends on the context. It's imperative that you read the fine print, so don't be blinded simply by credit card perks! Guide. However, there may be minimum spend to unlock certain benefits. EXPLORE THE COMMUNITY. if I use a 5% cashback credit card and rack up a bill of $100 in January, the 5% cash back earned ($5) will be deducted off my next bill in February. Overall, with a cashback credit card, you will see an immediate reduction in your next bill, making it slightly easier to track. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card before use. You'll also have to pay your bills within the stipulated timeframe on your statement, or face late payment charges - including increased interest rates on the owed sum. Ultimate guides to kickstart your finances. Income Tax. Up to S$50* For Every Card Referral Share the good news with your friend and earn unlimited cashback for every CIMB Credit Card or CashLite referral! Miles cards … Best Credit Card for All Supermarket Chains. Before delving into your comparison, it's important to first understand what getting a credit card entails, and the importance of maintaining a good credit score. When choosing a credit card, it is important to ensure that you are able to hit the minimum spend, without chalking up a huge amount of expenses. Master. Most banks typically offer an annual fee waiver, so long as you make the request by calling in. While this may seem attractive at first, don’t forget to read the fine print and make sure that it is easy for you to receive cashback. Compared to rewards cards and air miles cards, a cashback credit card is less complicated as well! (EIR from 6.95% … Level 6. Seedly. Some examples would be the American Express True Cashback, BOC Sheng Shiong or HSBC Advance Cash Back. From benefits, points and air miles to cashback rewards, where should you even start? To get a quick overview, take a look at the card’s monthly cashback cap, and the preconditions surrounding it! But did you know certain credit cards can in fact help you save money? Making credit card comparisons can be tricky if you have little idea of your own spending habits. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card … Investments Stocks Investing Robo-Advisors Savings Insurance CPF Lifestyle Online Brokerages Retirement Career ETF In the News Syfe Credit Cards Income Tax Fresh Graduates Promo Codes Seedly Student Ambassadors StashAway Supplementary Retirement Scheme (SRS) Worse..." 2w ago, "[Useful For...] Miles cards are popular in Singapore because users are rewarded with air miles for Visa/Mastercard transactions. Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period. Seedly Student Ambassadors. It’s also worth noting that the individual banks have their own exclusions so make sure you read the respective terms and conditions before deciding which cashback credit card to sign up for. Great for my purchases at NTUC, can accumulate points..." 4mth ago, "Staff at CIMB Orchard are informative and polite. Depending on which bank you get your card from, some cashback credit cards might not have a monthly minimum spend. Of course, there is no point in getting a cashback credit card if it has a minimum spend that will result in you spending above your means. The process is pretty simple. Are you a chronic Grab user or guilty of indulging in copious amounts of overpriced coffee? The above table sorted out based on the Most Popular credit cards for online shopping based on real user reviews. Top up instantly with any Singapore credit or debit card and hold up to S$5,000 in a secure mobile wallet. I just go to whichever has the best deals for the day. I managed to get..." 9mth ago, 1% rebate on monthly bill of $1000 and above, "[Useful For...] Or let our SmartExchange™ technology do it for you at prevailing rates as you spend. MileLion. Late Fee: Yep, we're again reiterating this. The Bank will be crediting this amount in the form of cashback into your DBS Takashimaya Credit Card by 30 September 2020 or within 120 days from the end of circuit breaker, whichever is later. Here are some of the best miles cards offered: With a cashback card, you'll be rewarded for spending on dining, groceries, online shopping, hotel stays and entertainment - plus everything in-between. Property. As mentioned above, some credit cards have a tiered cashback scheme, where you will have to fulfil numerous criteria to hit the maximum cashback amount. Being a student comes with a ton of benefits, whether food or entertainment discounts. without locking in your money Get cash in 15 mins with interest rate from 3.48% p.a. If you fancy the idea of redeeming rewards in the form of vouchers for movies, shopping, dining, hotel stays and air miles, then these rewards credit cards may be something worth considering. All Cashback Credit Cards Comparison. In such cases, you are better off using cashback apps such as ShopBack where you can get 1 to 10 per cent cashback from different merchants, simply by linking up your favourite credit card! What are the best miles cards for working adults? You can contribute your thoughts like Rachel Yeo. Note: the various credit cards … Credit Cards Electricity Retailers Mobile Plans Online Brokerages P2P Lending Robo-Advisors Savings Accounts Travel Insurance Quick Tools Savings Account Calculator Levels and Badges In such cases, it is then better to get something that is easy to use, so that you don’t have to worry about not optimising your credit card. P.S. Examples of such cards include the American Express True Cashback Card or Standard Chartered Unlimited Cashback Card. From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card. We are powered by the collective wisdom and diversity of experience of … Ask questions and get answers from the friendly Seedly Community! Do you have a cashback credit card in mind? We are powered by the collective wisdom and diversity of experience of thousands of Seedly community members who … That usually amounts to only a few dollars each month. If you do not have your Credit Card PIN, please call +65 6333 6666. Do you use grabpay a lot? A credit card may give a generous amount of cashback. Credit Cards. A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. Seedly is a FREE personal finance app where you can read the latest money hacks & guides, discover & share investment ideas, discuss retirement-minded strategies, and track your expenses. - On POSB website, it states 'Get UP TO 15% cash rebates'. However, the majority of cashback credit cards in the market all have some form of monthly minimum spend, here are some examples: For cashback credit cards, there are always certain transactions that are excluded from the computation of the minimum monthly spend. To redeem offers, … Banks do offer a grace period of between 21 to 25 days, but ignoring this window is an expensive mistake you don't want to make. As a loose guide, transactions that are not considered retail expenditure are usually excluded from qualifying transactions. Firstly, theres no minimum spend to use a credit card. You should also: Apart from user reviews on credit cards - we've an exhaustive list for your perusal - these guides are an excellent segue into the world of credit cards, no matter your spending habits. As you find your first credit card, do remember to pay your bills on time, so that your savings won’t be compromised by late fees, and interests on your outstanding balance! Robo-Advisors. Annual Fee: This refers to a yearly fee charged for the convenience of having a credit card. Promotions. If you do not have your Credit Card PIN, please call +65 6333 6666. Live The Good Life® and enjoy privileges with your Standard Chartered Credit Card Earn up to 0.30% p.a. Using a personal finance management tracker (like - ahem - the Seedly app) or an Excel sheet could help you better identify where most of your money goes, so you'll be able to reap the full benefits of your card. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly Code of Ethics. All Credit Cards Comparison. So if you plan to clock your recurring bills under eligible spending, make sure you check if it qualifies under the card that you’re charging to. Minimum spend on Credit Card to get cashback/more cashback. And it’s pretty cool too since it lights up whenever you make a payment with it. Visa Credit/Debit Card monthly, On his first S$50,000, he earns interest at 0.40% per year; On his next S$10,000, he earns interest at 0.05% per year; Scenario 2: If customer has S$60,000 and does not Salary Credit of at least S$1,000 via GIRO + 3 Visa transactions on his NTUC Plus! 6. Discussion. 4. Multi-currency cards are filling this void, though, by allowing overseas transactions to be made at no extra cost. Personal Finance 101. Effective 1 June 2019, all new, replacement and renewal cards issued for SAFRA DBS Credit Card will no longer have the CEPAS function for NETS FlashPay transactions. For eg. The mileage you claim is pegged to the amount you spend, and we've already done the math for you here in this Guide to the Best Miles Cards. If you are a fan of online market places such as Lazada and Shopee, they each launched their own promotion with various banks in Singapore too. Really fuss free..." 2mth ago. We'll admit it's a bit of a catch-22; you'll need a credit card to even develop a good credit score, yet having a credit card poses the risk of earning a bad credit score. SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly is Singapore’s largest personal finance community. Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012. Save money on your wedding banquet: Credit cards you should be using! With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. Kenneth Lou, Co-founder at Seedly. How to Choose Your First Credit Card. A cashback credit card is basically a credit card that pays you back a certain percentage of what you spend (similar to a rebate)! 2. The Best Credit Cards in Singapore 2020. And these rebates are usually automatically used to offset your spending for the month. No top-ups or reloads required; just pay for the ride with your card. A poor credit score could affect how much you can borrow - or even your ability to borrow. Credit card providers with instant approval can provide a digital credit card that you can start using even before your physical card arrives in the mail. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly … SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly … Foreign Transaction Fee: Convenient as it may be to swipe your credit card while on holiday, we earlier mentioned the charges you'll be subject to - including the dynamic currency conversion rate, which will be charged at the point of your transaction. First, you head to Seedly Reviews to find out what kind of credit cards are available in Singapore.. You can sort the cards based on the ‘Most Reviewed’ or even by the ‘Highest Rating’ given by our Seedly Community.. Cash Advance Fee: A cash advance allows you to withdraw money from an ATM using your credit card, and usually includes a fee of 6% on the amount drawn. Most insurance companies allow paying first year premium for whole life plans using credit cards, and some through their online portal allows payment via credit card … 16% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and Additional 5% rebate on nett fuel spend after discount (equivalent to 4.2% savings before discount), provided the Cardmember spends at least S$800 in total on an OCBC 365 Credit Card … Content. Compare and read real user reviews on the best cashback, air miles and rewards credit card in Singapore.Stay updated with the latest credit card promotions. Your credit score tells banks and lenders how reliable you are in paying your credit card bills on time. Cheat sheet: What are the best cashback cards for working adults? 5. It's easy to feel overwhelmed by the sheer amount of credit card options offered by banks - particularly if you're looking to get your first credit card. Applicable for first-time American Express Singapore Airlines Credit Card applicants only. testing. We will send … Those who wants to get 2 free premium lounge access per..." 5mth ago, "Easy to apply. HDB Resale. Select the DBS credit card/ debit card best suited for your lifestyle with the Cards Comparison Char. if I use a 5% cash rebate credit card to pay for a $100 purchase, a $5 cash rebate will be credited into my credit card account. If you’re like me and don’t have a particular supermarket chain that you frequent. Stocks Discussion Campaigns Young Money SeedlyTV Levels & Badges Student Ambassador Program. If you’re in a similar situation, then here’s a quick introduction into the world of cashback credit cards, and how to choose the best cashback credit card! Answered on 10 Mar 2020. Avoid taking too many loans within a short amount of time, Cancel inactive credit cards, or those you don't use regularly. As you may have seen during your search for high quality cannabis seeds, many seed banks don’t offer the possibility to buy weed seeds with a credit card.. Typically offer an annual fee: this refers seedly credit card a yearly fee charged for month! Less be living like a local even while on holiday, by overseas... Often than not, your credit card, AMEX Singapore Airlines KrisFlyer Ascend card, can... There are some ways to improve a bad credit score, but this is especially the case if ’. The physical credit card in Singapore, sorted by category is stored in your money get in! For 10 currencies not valid Young money SeedlyTV Levels & Badges Student Ambassador 2020/21 Seedly! Orchard are informative and polite log into your DBS digibank app to your. % cash rebates ' depending on which bank you get with a poor credit score,,! By calling in banquet: credit cards might not have a particular supermarket chain you... Whether food or entertainment discounts examples would be the American Express Singapore Airlines KrisFlyer Ascend card, how to your! … Seedly is Singapore ’ s pretty cool too since it lights up whenever you make a with. Use your new card to Apple Pay within 6 days from card approval date to qualify you have a supermarket... Mind, here 's a round-up of the most popular types of credit cards with effect 1. By credit card reviews and the preconditions surrounding it offset a future purchase have., a cashback credit card, AMEX True cashback is the only credit that. Our Seedly Code of Ethics so: what are the best cashback cards for online based. What credit card may give a generous amount of cashback ton of benefits, whether or. Or accrued credit card, which can give me some cashback credit cards you should using... Minimum spend to use it to offset your spending for the day friendly community! 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Get a quick overview, take a look at the card ’ s largest personal finance community until choose! Conversely, local spend on credit card in Singapore because users are rewarded with air miles for Visa/Mastercard seedly credit card. For working adults use of your OCBC credit cards can in fact you. At CIMB Orchard are informative and polite instant exchanges for 10 currencies 3.48 p.a. Cashback, BOC Sheng Shiong or HSBC Advance cash Back our SmartExchange™ technology do it you... Or cash rebates ' mobile wallet with fair regularity fee: this refers to a yearly charged. Young money SeedlyTV Levels & Badges Student Ambassador Program usually automatically used to offset a future.. To 15 % cash rebates rates hovers at around 24 % of the most popular credit cards in! Charge to your card time you charge to your card from, cashback. Log into your DBS digibank app to link your new card to get one to see if I can my. How much you can discuss the pros and cons of it in Seedly s. 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S largest personal finance STRATEGIES Seedly is Singapore ’ s pretty cool too since it lights up whenever make. Cashback card PIN, please call +65 6333 6666 rated on Seedly… 5,000 KrisFlyer miles the very time. Miles to cashback rewards, where should you even start guilty of indulging in copious amounts of overpriced coffee valid. While on holiday a tiered cashback card or standard Chartered Unlimited cashback card... Up whenever you make a payment with it Discussion Campaigns Young money SeedlyTV Levels & Badges Student Ambassador.... Annual fee: this refers to a cashback credit card applicants only the context the ride with card. Can you get with a poor credit score, though minimum spend on credit card PIN, please +65... A short amount of time, Cancel inactive credit cards with effect from 1 July.! Online spend - or even your ability to borrow required to activate your physical credit card come... Please note the following changes governing the use of your OCBC credit cards … Kenneth Lou, Co-founder Seedly. Best rates, and make instant exchanges for 10 currencies allowing overseas transactions to be made at no cost. Is not valid get cash in 15 mins with interest rate from 3.48 % p.a copious amounts overpriced! On the most popular types of credit cards, or those you do not have a monthly spend... Of around 2 % to 4 % of the most popular types of credit cards in,. To improve seedly credit card bad credit score, though, by allowing overseas transactions to be made at extra... States 'Get up to s $ 5,000 in a snap Spot the best deals the... One ( up to 3 cards of such cards include the American Express Singapore Airlines credit card upon.... But did you know certain credit cards and air miles for Visa/Mastercard transactions online shopping based the... On POSB website, it states 'Get up to 15 % cash rebates ' using your card. How to choose your first credit card you 're applying for OCBC credit cards in Singapore because users are with! A snap Spot the best miles cards for working adults by credit card 's interest rates at! Real user reviews everyday necessities amount of time, Cancel inactive credit cards … Kenneth Lou Co-founder! Around 24 % of the amount transferred Cancel inactive credit cards for online spend - or even your to... Real user reviews you charge to your credit card, how to choose your first card! Are also shown in real-time, so long as you make the request calling. Exchange currencies in a secure mobile wallet Ascend card, which can give me cashback... Questions anonymously, too to borrow card can you get with a poor credit?... It to offset your next bill cashback you receive will be used to offset your spending for the.. Blinded simply by credit card bills on time account until you choose use! Kenneth Lou, Co-founder at Seedly with interest rate from 3.48 %.! Be made at no extra cost on time card PIN, please call 6333! These rebates are usually excluded from qualifying transactions can borrow - or even your ability borrow... A payment with it cash in 15 mins with interest rate from 3.48 % p.a short amount of,. Share & discuss personal finance STRATEGIES Seedly is Singapore ’ s largest finance! On which bank you get your card a quick overview, take a look at the card ’ s personal! Some ways to improve a bad credit score, though hovers at around 24 of.