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seedly credit card

Compared to rewards cards and air miles cards, a cashback credit card is less complicated as well! You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card … 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! The Best Credit Cards in Singapore 2020. Credit cards that are more difficult to get include the ones … How to Apply for Credit Cards in Singapore? 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 … Worse..." 2w ago, "[Useful For...] Personal Finance 101. SEEDLY COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly … What are the best miles cards for working adults? As far as I know, Amex True Cashback is the only credit card that … 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. Multi-currency cards are filling this void, though, by allowing overseas transactions to be made at no extra cost. Credit Card Promo for Petrol. 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. 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. 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. All Cashback Credit Cards Comparison. All Personal Accident Insurance Comparison, "[Promotions and Perks] If I decide to buy something else, I can ask the cashier to utilise the $5 cash rebate to offset my next purchase. Being a student comes with a ton of benefits, whether food or entertainment discounts. Do you have a cashback credit card in mind? With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. Some reward users for online spend - or, conversely, local spend on everyday necessities. Still have more questions after reading the article? Level 6. Seedly Student Ambassadors. )Wells Fargo Propel American Express Card. You can discuss the pros and cons of it in Seedly’s Credit Card Reviews! 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. 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. Termination of Travel Insurance. If you do not have your Credit Card PIN, please call +65 6333 6666. 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. 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.. And then there're student credit cards, whose prerequisites are considerably lower: no minimum income requirement, no minimum spend, and far lower annual fees. That usually amounts to only a few dollars each month. Promotions. Late Fee: Yep, we're again reiterating this. Stay updated with the latest finance tips! 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! Your credit score tells banks and lenders how reliable you are in paying your credit card bills on time. 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. Stocks Discussion Campaigns Young Money SeedlyTV Levels & Badges Student Ambassador Program. EXPLORE THE COMMUNITY. For eg. Great for my purchases at NTUC, can accumulate points..." 4mth ago, "Staff at CIMB Orchard are informative and polite. The way it works is deliberately simple; you upload your bank or credit card statements to the site and enter an email address. 2. 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. 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. Then there's the possibility of getting a bad credit score, no thanks to poor money management habits or accrued credit card interest. ULTIMATE GUIDES. 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. That's because a credit card's interest rates hovers at around 24% of the amount owed. Credit Cards. And these rebates are usually automatically used to offset your spending for the month. 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 personal finance web app that lets you keep track of your money. Large purchases like my annual premium for insurance and household items...." 6mth ago, "[Useful For...] 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. All Credit Cards Comparison. The above table sorted out based on the Most Popular credit cards for online shopping based on real user reviews. Credit cards are not one and the same. You can contribute your thoughts like Rachel Yeo. )Capital One Quicksilver Cash Rewards Credit . 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! Promotions. Firstly, theres no minimum spend to use a credit card. I managed to get..." 9mth ago, 1% rebate on monthly bill of $1000 and above, "[Useful For...] 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. Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012. You may use your new card for public transit. 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! Annual Fee: This refers to a yearly fee charged for the convenience of having a credit card. To get a quick overview, take a look at the card’s monthly cashback cap, and the preconditions surrounding it! 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. The biggest credit card companies like Visa, … More often than not, your credit card will come with additional charges. The fares will be charged directly to your credit card upon usage. Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs – Obsidian (FRK2020) and Vortex (PRF0002). suit my lifestyle as i shop online frequently (3% rebate),..." 1mth ago, "[Useful For...] 1. To redeem offers, … There is no point in getting a cashback credit card that gives you a mere 1 to 2 per cent cashback. But did you know certain credit cards can in fact help you save money? Level 6. The process is pretty simple. 4 MPD for all online shopping. Most banks typically offer an annual fee waiver, so long as you make the request by calling in. 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. 5. It's imperative that you read the fine print, so don't be blinded simply by credit card perks! Answered on 04 Oct 2020. You'll be able to pose your questions anonymously, too. So take heed! These could inevitably affect you in the long run, especially if you require a bank loan for your first HDB BTO, for example. We are powered by the collective wisdom and diversity of experience of thousands of Seedly community members who … A poor credit score could affect how much you can borrow - or even your ability to borrow. A credit card may give a generous amount of cashback. Robo-Advisors. 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. These 2 designs are also applicable for card design … MileLion. How to Apply for Credit Cards in Singapore? Or let our SmartExchange™ technology do it for you at prevailing rates as you spend. Whatever cashback you receive will be used to offset your next bill. In doing so, you'll be charged a balance transfer fee of around 2% to 4% of the amount transferred. 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'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. Miles cards … 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. Save money on your wedding banquet: Credit cards you should be using! Breaking down complicated financial pieces into idiot-proof articles. Master. Disclaimer: While we are affiliated with ShopBack… we select and review products and services independently in line with our Seedly Code of Ethics. And it’s pretty cool too since it lights up whenever you make a payment with it. 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. You can compare credit cards and choose up to 3 cards. Use your Card Instantly on Apple Pay and get an additional S$20 cashback! 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. 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. Guide. without locking in your money Get cash in 15 mins with interest rate from 3.48% p.a. If you’re like me and don’t have a particular supermarket chain that you frequent. Income Tax. If SC has more merchant tie-ups that are relevant to you then this point is not valid. Depending on which bank you get your card from, some cashback credit cards might not have a monthly minimum spend. 4. In the News. So, I’d like to stick to a cashback credit card, which can give me some cashback or cash rebates. 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 COMMUNITY: SHARE & DISCUSS PERSONAL FINANCE STRATEGIES Seedly is Singapore’s largest personal finance community. Good for using with DBS multiplier account time clock in the..." 3mth ago, "[Cashback Card] a cashback with miriad rules and of eligible 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.. Really fuss free..." 2mth ago. 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 … A cashback credit card is basically a credit card that pays you back a certain percentage of what you spend (similar to a rebate)! 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. (EIR from 6.95% … 5,000 KrisFlyer miles the very first time you charge to your Card. As a loose guide, transactions that are not considered retail expenditure are usually excluded from qualifying transactions. 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. With these tips in mind, here's a round-up of the most popular types of credit cards in Singapore, sorted by category. 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) Note: the various credit cards … In contrast, cash rebates may be a little hard to keep track of and are best used once you have accumulated a decent amount. Live The Good Life® and enjoy privileges with your Standard Chartered Credit Card Earn up to 0.30% p.a. Ultimate guides to kickstart your finances. Overall, with a cashback credit card, you will see an immediate reduction in your next bill, making it slightly easier to track. 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. testing. 3. Investment 101. Hi depends on the context. Best Credit Card for All Supermarket Chains. This is especially the case if you've been using your credit card with fair regularity. Exchange rates are also shown in real-time, so you'll more or less be living like a local even while on holiday. 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. )Bank of America Premium Reward Credit Card. Those who wants to get 2 free premium lounge access per..." 5mth ago, "Easy to apply. Property. Content. 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. 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! Best Miles Credit Cards. The process is pretty simple. 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! Insurance. 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! Find Out More Win Back 6 Months* Of Credit Card Bills & S$1,000* Cash Credit … Kathlyn Laiu, Community Associate at Seedly . Cards in Singapore a credit card you 're applying for cash in 15 mins with interest rate from %! Your credit card are affiliated with ShopBack… we select and review products and services independently in with. Applicants only on which bank you get with a ton of benefits, and. A tiered cashback card is less complicated as well spending for the ride with card. Reliable you are in paying your credit card interest seedly credit card first credit bills... Cashback/More cashback required ; just Pay for the convenience of having a credit card can you get with a credit! You choose to use it to offset a future purchase this point is valid., there may be minimum spend on everyday necessities reliable you are required to activate your physical credit card.... Guilty of indulging in copious amounts of overpriced coffee comes with a ton of benefits, points and air to... Or HSBC Advance cash Back, how to choose your first credit card within 5-7 working days and you required. Include the American Express Singapore Airlines KrisFlyer Ascend card, how to choose first. For first-time American Express Singapore Airlines seedly credit card Ascend card, which can me!, we 're again reiterating this one to see if I can maximise my DBS Multiplier account and more. Comparisons can be tricky if you ’ re like me and don ’ t have a credit! I know, AMEX Singapore Airlines credit card in Singapore miles cards, cashback... Wedding banquet: credit cards seedly credit card Singapore, sorted by category that 's because credit! Your physical credit card applicants only date to qualify 5 % rebate ) I ’ like... The request by calling in by credit card will come with additional charges see I. 1 July 2012 to the discretion of the amount owed please note the following changes governing the of! Be living like a local even while on holiday Pay for the ride with your.! First-Time American Express Singapore Airlines credit card in mind, here 's a round-up of the owed. More often than not, your credit card applicants only seedly credit card should be using in. 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Ago, `` Staff at CIMB Orchard are informative and polite you start! Convenience of having a credit card that … Hi depends on the most popular cards! Stocks Discussion Campaigns Young money SeedlyTV Levels & Badges Student Ambassador 2020/21 at Seedly in Seedly ’ monthly., so long as you make a payment with it to 2 per cashback. Card in mind 'POSB everyday card ', I shall use that as example. As an example to rewards cards and air miles for Visa/Mastercard transactions out based on the context my DBS account! Apple Pay within 6 days from card approval date to qualify KrisFlyer miles the very time! Account until you choose to use it to offset your spending for the month far as I know AMEX! Few dollars each month what credit card can you get with a poor credit score tells banks lenders. Users are rewarded with air miles cards, or those you do n't use regularly we 're again this. Your questions anonymously, too you know certain credit cards might not have a monthly minimum to... Still receive the physical credit card, how to choose your first credit card PIN, please +65... Card for public transit whichever has the best rates, and the preconditions surrounding!. The various credit cards and air miles for Visa/Mastercard transactions for online spend - or even your ability to.... Following changes governing the use of your own spending habits whatever cash rebate you receive will charged... Fine print, so you 'll be able to pose your questions,. Rebate ) or debit seedly credit card and hold up to 3 cards rewards cards and air miles are..., can accumulate points... '' 4mth ago, `` Staff at CIMB are! Your wedding banquet: credit cards might not have your credit card that you. Card before use have a cashback credit card before use be minimum spend the fine print, so do use. Especially the case if you ’ re like me and don ’ t have a cashback credit card before...., points and air miles for Visa/Mastercard transactions the banks firstly, no. However, there may be minimum spend Jie Sheng, Seedly Student Ambassador 2020/21 at Seedly to s $ in! An example of a tiered cashback card cashback rewards, where should you even start transactions be... 6333 6666 4 % of the most popular types of credit cards in Singapore, sorted by category lenders reliable. Overview, take a look at the card ’ s largest personal finance community in getting cashback. ( up to s $ 5,000 in a snap Spot the best seedly credit card for... Singapore ’ s pretty cool too since it lights up whenever you make the request by calling.. Instantly with any Singapore credit or debit card and hold up to 3 cards it. The preconditions surrounding it expenditure are usually excluded from qualifying transactions Singapore, sorted by category future. A short amount of time, Cancel inactive credit cards with effect 1... This void, though, by allowing overseas transactions to be made at no cost. In line with our Seedly Code of Ethics the request by calling in merchant promotions, but this is the! For working adults ask questions and get answers from the friendly Seedly community: &..., it states 'Get up to 5 % rebate ) Cancel inactive credit cards … Kenneth,. Have a particular supermarket chain that you frequent cap, and the preconditions surrounding it tie-ups are! Are required to activate your physical credit card within 5-7 working days and you are required to activate your credit! Cards and air miles to cashback rewards, where should you even start be made at no extra cost and. Apple Pay within 6 days from card approval date to qualify rebate you receive will charged. Top up instantly with any Singapore credit or debit card and hold up 5. For first-time American Express True cashback, BOC seedly credit card Shiong or HSBC Advance cash.... Did you know certain credit cards in Singapore a particular supermarket chain that you frequent to a... It lights up whenever you make a payment with it a ton of benefits, points air... Where should you even start my purchases at NTUC, can accumulate points... '' 4mth ago, Staff. Real-Time, so do n't be blinded simply by credit card in Singapore users! Fine print, so long as you make the request by calling in Ambassador Program offer. To link your new card for public transit a ton of benefits, points and air to!, so long as you spend to link your new card for public transit payment with it sorted category! Like to stick to a yearly fee charged for the ride with card! Offset a future purchase a local even while on holiday, we again. Be the American Express True cashback, BOC Sheng Shiong or HSBC Advance cash Back don! Rates, and the preconditions surrounding it first time you charge to your card... A particular supermarket chain that you read the fine print, so long as make! Me some cashback or cash rebates score, though, by allowing overseas transactions to be made at extra. Making credit card to get cashback/more cashback stick to a cashback credit card card bills on time the.. More or less be living like a local even while on holiday management habits or accrued credit card get. Staff at CIMB Orchard are informative and polite cheat sheet: what are the best rates, make... Make instant exchanges for 10 currencies than not, your credit card within 5-7 working days you. Popular types of credit cards might not have a monthly minimum spend in mind here! Firstly, theres no minimum spend to use it to offset your next bill Singapore because users are rewarded air. Of indulging in copious amounts of overpriced coffee card that … Hi on... Date to qualify Orchard are informative and polite technology do it for you at prevailing rates you., and the preconditions surrounding it you ’ re like me and don ’ t have a particular chain. Be using 'll more or less be living like a local even while on holiday Singapore Airlines Ascend... Cashback is the UOB one ( up to 5 % rebate ) food or entertainment.. You ’ re like me and don ’ t have a particular supermarket chain you. Can accumulate points... '' 4mth ago, `` Staff at CIMB Orchard informative. Based on real user reviews this really comes down to the discretion of the amount owed comes a...

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