Singapore Credit Cards
Saturday, 6 July 2013Credit cards, Saving account, and more (SG 2013) Credit cards The following table covers most of credit cards with more than 2% rebates. To see list of credit cards for specified purpose:
Credit cards for online paymentCredit cards for supermarketsCredit cards for "Shopping" (TBA) Card Rebate/Rewards Eligibility RemarksMaybank Family & Friends Platinum MasterCard5%　NTUC Fairprice,　Cold Storage,　Popular,　Toys "R" Us etc. N.A. ★★★★★ * Rebate @ 1st day of next monthOCBC Frank Credit Card6%　Online2
0.5% Others Spend S$500 (calendar month) ★★★★★ *　Capped at　S$60 per month　for Online
* Good for any online purchase (e.g.　air tickets)　@　S$500~S$1000.
* Rebate @ last day of next month
* See "Tips to achieve monthly S$500 online spending"SCB3　MANHATTAN World MasterCard5% Spend S$3000 (bill cycle month) ★★★★★ *　Capped at　S$200 per quarter
* Good for　prudential life insurance, expensive items, course fees etc.
* Rebate @ first few days of next quarterSCB3　Bonus$averArd S$39 per month
(= 7~8% rebate) Spend S$500 (calendar month)
+
S$25000 Bonus$aver deposit ★★★★★ * Interest @ first day of next month
* Good for recursive bill payment1　or costing
* See "Tips to achieve continuously min monthly spending"BOC Family Rebate Card4.5%　supermarkets,　Guardian, Popular, Watsons, Toys 'R' Us etc.
(0.5% if < S$100)
(5% if > S$1000) Spend S$100 (bill cycle　month)

★★★★ * Capped at　S$100 per month
* Good for supermarkets etc.Citi Rewawrds Card10X Rewards on shopping　(clothes, shoes or bags)
(=3.5%~4% rebate)
N.A. ★★★★ * Good for shopping for clothes, shoes, or bags (incl. online shopping).UOB JCB Platinum Card
6% rebate at major department stores4
5% rebate at Meidi-ya, Muji and Uniqlo3. N.A.

★★★★ * Good for shopping at selected department stores.SCB3　SingPost Platinum Visa Credit Card2% Online2
6% supermarkets Spend S$500 (bill cycle month) ★★★ *　Capped at S$50 per month for all
* Rebate @ few few days of next cycleUOB One Card3.33% S$30 (S$80, or S$150) for min S$300 (S$800, or S$1500) spending on all 3 months per bill quarter ★★★ * Good　for recursive bill payment1
* See "Tips to achieve continuously min monthly spending"UOB Preferred Platinum Visa Card10X for Wave,　Online2
(=3%~3.5%) N.A.

★★★ * Good for online spendings, visa payWave.NTUC Plus! Visa Credit Card
or
Plus! Visa Card2% for EZ-Reload
1.3 % for bills N.A.

★★★★ * Use it to get member points (additional 1.3% in FairPrice), not to pay
* Good for NTUC FairPrice
* See "How to earn more rebate in FairPrice"POSB Everyday Card1% SP Services
1% Starhub
3% Watsons
2%　EZ-Reload N.A. ★★ * Recommend for easy SP Services paymentCitibank SMRT Platinum Visa Card2.7%#　selected　supermarkets
4.7%#　Coffee
1.7%#　EZ-Reload N.A.

★ * Not recommended for most of ppls as its functionalities are well covered by other cards.
Recursive bill payment1:　See "Tips to achieve continuously min monthly spending"
Online payment2:　See "Tips to achieve monthly S$500 online spending"
SCB3: Standard Chartered Bank. It always has　simple & easy　credit cards promotions (e.g. Shop For Free, GSS, Online promotions etc.) all year along --　highly recommended.
Major department stores4:　BHG, Isetan, John Little, Marks & Spencer, Metro, OG, Robinsons, Takashimaya and TANGS.
#:　See corresponding website for details. The author thought it wastes time to explain.
Note: There is no card to recommend for HSBC & ANZ as their complication of rebate eligibility.

Saving accounts Account Effective Interest Eligibility RemarksOCBC Frank Account0.5% p.a. Deposit: S$10K ~ S$100K
(0.3% if < S$10K, or 0.6% if > S$100K) ★★★★★ * Good to "Credit your pay"SCB3　Bonus$aver1.88% p.a. Min S$500 spending on credit/debit card in that　calendar　month
(0.1% if min S$500 spending not achieved in that month) ★★★★ * 1.88% is applicable to first S$25,000 for Bonus$aver account
* You will get around S$39 per month if min S$500 spending achieved
* Good for households
*　See "Tips to achieve continuously min monthly spending"OCBC Bonus+0.69% p.a. No withdraw
(0.37% or less if you have any withdraw) ★★★★ * For each quarter, you will get 0.37% p.a. or less if you have any withdraw in your accountBOC SGD Savings Account0.35% p.a. Deposit: S$20K ~ S$50K
(0.275% if S$5K ~ S$20K, clickhere　to see more details) ★★★MayBank iSAVvy Savings Account0.32% p.a. Deposit: S$5K ~ S$50K
(Click　here　to see more details) ★★★MayBank iSAVvy Savings Plus Account0.30% p.a (plus some bonus interest) Deposit: S$5K ~ S$50K
(Click　here　to see more details) ★★★OCBC Plus! Savings Account0.2% p.a. Deposit: 0 ~ S$50K
(0.4% if > S$50K) ★★★
Insinc -　Get rebate while using ezLink card Insinc let you earn rebate while using your ez-link. You could just　register-and-forget, and just waiting for some small amount of surprise to be　credited into your ez-link　card.