Credit cards for online payment
The following cards are specified to "online payment". To see credit card for other purposes, please visit "Credit cards, Saving account, and more".

OCBC Frank Credit Card
6% rebate for Online (min S$500 spending in a 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"

SCB　MANHATTAN World MasterCard
5% rebate (min S$3000 spending in a　bill cycle month) Capped at　S$200 per　bill quarter Good for expensive item purchase (e.g.　Labtop). Rebate @　first few days of next quarter

Citi Rewawrds Card
10X rewards on shopping　for　clothes, shoes, or bags　(incl. online shopping). equivalent to 3.5% ~ 4% rebate but have to redeem online Good for purchase of　clothes, shoes, or bags.

SCB　SingPost Platinum Visa Credit Card
2% rebate for online and 6% for supermarkets (min S$500 spending in a　bill cycle month) Capped at　S$50 per month Good for　SCB online promotion period　(ard Aug~Nov each year). Rebate @　first few days of next cycle

UOB Preferred Platinum Visa Card
10X rewards for Wave, Online equivalent to 3% ~ 3.5% rebate but have to redeem online

Credit cards for supermarkets
The following cards are specified to "supermarkets". To see credit card for other purposes, please visit "Credit cards, Saving account, and more".

Maybank Family & Friends Platinum MasterCard
5% rebate for NTUC FairPrice, Cold Storage, Popular, Toys "R" Us etc. Good for　NTUC FairPrice, Cold Storage Rebate @ 1st day of next month Highly recommended
BOC Family Rebate Card
4.5% rebate for　supermarkets, Guardian, Popular, Watsons, Toys 'R' Us etc. 0.5% (on everything) if spend less than S$100 in a bill cycle month 4.5% if spend S$100~1000 in a bill cycle month 5% if speed more than S$1000　in a bill cycle month Capped at　S$100 per month Good for　supermarkets.
SCB　Bonus$aver
Around S$39 interest per month min　S$500 spending on Bonus$aver credit/debit card in a　calendar　month S$39 is calculated based on S$25K deposit with 1.88% p.a. interest Rebate @　first few days of next month See "Tips to achieve continuously min monthly spending"
SCB　SingPost Platinum Visa Credit Card
6% rebate for　supermarkets, 2% rebate for online payment min S$500 spending required in a bill cycle month Capped at　S$50 per month Good for high spending on supermarkets, or SCB online promotion period (usually in Aug~Nov, need to check SCB website regular). Only recommended to advanced "credit card user".
Citibank SMRT Platinum Visa Card
2.7% rebate for　selected　supermarkets Up to 5% rebate, but hard to achieve Not recommended to most of ppls. See Citibank website for more details.

Tips for credit cards & savings (updated 07/07/2013)
After you checked-out kinds of　Singapore credit cards, you may find it is hard to achieve some goals. Here are the solutions.

Tips to achieve monthly S$500 online spending Credit your ez-link using "Top and Tap" method Pay your telecom bills online via telecom websites (SingTel / M1 / Starhub) You can pay more than you owe Pay your　Town Council S&CC fees online: for few Town Councils only via Town Council websites or vBox (by SingPost) See more details about vBox @　http://singpost.com/payment-a-other-services/conservancy.htmlthe author didn't try this previously Any other purchases online
Tips to achieve continuously min monthly spending Credit your ez-link using "EZ-Reload" or 　"Top and Tap" method Visit　ez-link websites　for details Pay your telecom bills online via telecom websites (SingTel / M1 / Starhub) You can pay more than you owe Pay your　Town Council　S&CC　fees using RCCS (Recurring Credit Card Scheme) Pay your electronics bills at　SP Services Customer Services Centres SP Services Customer Services Centres:　Somerset, Toa Payoh and Woodlands Visit　SP Services website　for more details Any other recursive payments e.g. 24-month instalment on TV etc.
Tips to earn more rebate in FairPrice Using　Maybank Family & Friends Platinum MasterCard　to pay Earn 5% cash-back get the 1st day of next month Scan Plus! card (or NTUC member card) for points 2X points if min S$20 spending (equivalent to 1.33% rebate or more) Scan NTUC member card for 4% annual rebate 4% annual will be credited into your linked savings account yearly You need to pay S$117 yearly for NTUC member fees Recommended for S$200 monthly spending in NTUC FairPrice

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.　How to register Before register, please get you ex-link card number ready (CAN, at the back of the card) 1. Go to　https://insinc.sg/r/G4rTKX97/　and register your ez-link card number
2. Login to　your email　and click "confirm".
3. Wait another 2 ~ 3 days to get your card verified, or　just forgot it.
4. In some day, you will see some　extra money　in your ez-link (S$1~S$200 each time). Why? The system will auto-play for you and credit the cash into your card (see "How to redeem"). Of course, you can also choose to play by yourself. Enjoy!


How it works
1. Take MRT and LRT to　earn points　for all the trips, with triple points for the morning　off-peak trips.
2. Login to insinc and use "Spin to Win" because it get higher cash to win by comparing to "cash buyout".
3. Personally, I got S$26 rebate from 4500 points.

How to earn more
1. Take MRT and LRT in　decongesting hours　(tap-in during　6:30-7:30am　or　8:30-9:30am　in　weekdays).
2. Play "Spin to Win" when you achieved higher levels (e.g.　Platinum).

How to redeem
1. Insinc transfers reward balances over $1 to Transit Link once a month on the　1st week of every month.
2. Once you receive an email regarding rewards ready for redemption, you can then proceed to the　AVM (Add Value Machine)for collection. To redeem, place your registered CEPAS card on the card reader and select 'Insinc Rewards' for the cash rewards to be top-up to your card.
3. More details @　https://insinc.sg/faq/.

新加坡信用卡入门指南
原讨论帖地址：http://bbs.huasing.org/sForum/bbs.php?B=107_11776532
很早就想写一篇关于新加坡信用卡的帖子了，最近有空就把自己的经验记录一下，仅供大家参考，本人学识有限。
　
首先要申明几点：
1）信用卡没有及时还清，利息是很高的，超过20%一年的利率。只要每个月按时付清，就不用付任何附加费，所以千万不要过度消费
2）不要怕年费高，所有信用卡年费都可以免除的。打一通电话就可以，除非你真的没时间打
3）可以的话不要分散消费，把主要消费集中在2-3张卡就可以，除非有特别的优惠，才来用不常用的卡刷一笔
4）这个帖子只能帮你省钱不能赚钱，要赚钱你还是要想别的办法
5）我不是卖卡的，不要找我办卡，也没有帮别人做生意，纯属个人看法
6）我只是介绍重点，详情看银行官网
7）办卡尽量不要上网办，除非有优惠，也不要傻乎乎的去银行办。在搞促销的时候直接找路上的sales person办就可以，还有很多附加的礼品拿
　
好吧，那我们开始吧，开始介绍一些卡，排名不分先后。
　
1）Citibank SMRT Card

这个卡很受欢迎，搭乘地铁和巴士当车卡刷，Auto top up，不用自己去加钱。Auto top up可以选择30刀或50刀，每次返还2%。如果你选50刀，每次还你一块，Auto top up每次收你0.15，所以不但方便而且每次可以省0.85刀。
还有别的优惠在Guardian等等，就不细说了，总之方便是此卡最大特点。
推荐指数：95 分
　
2）Citibank Rewards Card

非常实用的卡，积分很快，大概每刷100多在购物上就有一张5刀的breadtalk（我依赖的早餐）voucher。当然购物只限买衣服啊什么的，超市买食物不算。
推荐指数：75 分
　
3) Citibank PremierMiles Card

不得不承认我有Citibank情结，这张卡也是无意中办的，当时有送starbucks voucher和抱枕。积分换飞机票，永远不会过期，不过你要慢慢等，大概消费15000左右才有一张飞上海的单程新航机票，慢慢累积吧，哈哈。
不过随卡附送的Priority Pass是个好东西，可以免费自由进出全球很多机场的1st class lounge。虽说只限一年两次，但是国内的机场好像不管，看一看卡就让你进了。对于经常旅游的朋友来说很不错，也可以体验各国机场不同风格的lounge。
推荐指数：60 分
　
4）UOB American Express Card

和Citibank Rewards Card比稍微差一点，不过分数积累也比较快，去超市买东西积分比Citibank的高。American Express也有不少自己的优惠。UOB自己在外面的优惠也多，满大街都是。
办卡之后刷三次，任何金额都可以，可以拿isetan voucher 20刀。（现在不知道还有没有）
推荐指数：60 分
　
5）OCBC Fairprice Plus Card

因为经常去Fairprice买东西所以就办了，感觉挺鸡肋的卡。只有Fairprice自己的产品才有8%优惠，（不知道水果算不算）。还有linkpoints，消费一块算一个linkpoint。150个linkpoints才能换回1块，几乎可以忽略不计。
推荐指数：35 分
　
6）HSBC Platinum Card

如果有开车的话还不错，Caltex加油有17%优惠。打高尔夫也不错，不过卡太丑了，少数几张办了还没有用过的卡。HSBC在外面优惠不多，拿着备用。
推荐指数：30 分
　
7）POSB Everyday Card

去Golden Village看电影便宜，平时8.5，周末9块。可以和Saving Account连接当ATM卡用。付水电费1%rebate，去家乐福5%等等，还算比较实用，比较平民的信用卡。
推荐指数：50 分
　
8）DBS Live Card

看电影比POSB Everyday Card更便宜点。喜欢Clubbing的朋友可以考虑，去St James是free entry的。卡设计很好看，手感也不错。感觉比较受年轻人欢迎。
推荐指数：30 分
　
9) OCBC Titanium Card

不是很清楚OCBC积分怎么算，反正不怎么看好他的卡，据说打高尔夫还可以。期待熟悉的朋友补充一下。不过华侨银行在国内业务好像不少，前景还是不错。
推荐指数：10 分
　
10）OCBC IKEA Card

除非你是宜家的忠实用户，天天买他家的家具，而且这张卡四月就中止了。
推荐指数：5 分
　
11) Standard Chartered Platinum Card

优惠不少，积分比较慢，不过办卡送50块cash back。一般就是用完50块就cancel了，等着下次再办，哈哈，有点无耻。
有段时间网上购物有cash back，刚好那个时候要买电脑，所以网上买了Dell。
推荐指数： 50 分
　
12）Standard Chartered Bonus Saver Card

最 近出来的卡，所以图还没出来，用另外一张卡的图凑合一下。算下来还不错。每月消费500刀，一年saving account的利息1.88%，只限首25000刀，所以最多470刀利息。通常每月消费500刀肯定可以达到。不过需要在saving account放钱是这张卡不好的地方。
Standard Chartered算盘打太好了，又吃Credit Card又吃你的saving，不过也是因为新加坡定期存款利率太低了，超过1%就可以偷笑了。
推荐指数：70 分
　
13）Maybank Platinum Card

最近才办，想尽快打开新加坡市场的马来亚银行，现在办卡送两张Shaw house的电影票。第一个月刷任何amount送一对价值70刀的音箱，看起来还不错。功能不详，可能会沦为鸡肋卡。
推荐指数：30 分
　
14）中国银行长城白金信用卡

在国外怎么能不支持自己国家的银行？唯一优点是此卡有银联标志，新加坡现在银联优惠也不少，拿来备用。
推荐指数：20 分
　
15）中国银行康威白金卡

在healthway看病有优惠，还免费送一次身体检查。（刚刚自费搞了一个检查，200多刀，还不知道公司能不能报销）。好像很多健康方面的优惠，至今还未尝试。
推荐指数：10分
　
16）DBS American Express Card

貌似积分挺快，还没试过。积分类的卡一般就重用一张，所以这张被无情忽略。不过American Express Card长了都好看。
推荐指数：50 分
　
17）Citibank Tangs Card

在Tangs有10% Rebate，很多日用品化妆品厨具等等可以便宜不少。不过其他普通Citibank卡在Tangs也有6% Rebate。
推荐指数：15 分
　
18）Citibank M1 Card

等下次重新签手机的时候再办，通常在PC show的时候办的话M1手机便宜100刀，很实用的一次性信用卡，哈哈
另外付M1电话费最高有2.5%的Rebate，至少比没有好。
推荐指数：40 分
　
19) OCBC Robinson Card

在Robinson和John Little有5%-10%的Rebate，就看你喜欢去Tangs还是Robinson和John Little了，感觉是OCBC最好用的卡了。
推荐指数：50 分
　
20) Standard Chartered Manhattan Card

几乎所有消费都有5%的cash back。口碑很好的卡。
推荐指数：70 分
　
21）UOB one Card

连续三个月坚持每月消费一个数目，三个月之后就有一笔Cash back。大概是这样，貌似我不用好像是因为坚持不到那个数目。
不过UOB卡在外面还是吃香，这张卡看起来漂亮。现在上网办有voucher送。
推荐指数：50 分
　
22）UOB Lady's Card

顾名思义专门给女生设计的，我也不好评论，没用过。就引用一下广告词吧，" the men don't get it"
现在上网办也有voucher送。
推荐指数：55 分