What credit cards should i apply

[A_nesta84]

Hi, am earning around 30k per annual, but if i am interested in getting a credit card, what do you guys suggest?

 

Basically i think it should have low/no annual fee andi feel like giving money to the bank.. Of cos it should have gd rates and more privledges. but i am not those that go for club and drinking though

 

Feel free to post ur opinions

[Blackyv]

posb everyday card n btw, nobody pay annual fees nowadays...

[Fcw75]

POSB Everyday card for me.

[Budgetice]

UOB singtel card - free annual fee if u charge ur singtel bill to the card

Citibank Dividened - for cashback

 

or anyother card that is giving u free cash to use... that time SCB and maybank give $$ when ur card is approved..

[Ed2win2]

That time I apply HSBC got $100 credit into my next bill

 

RBS Switch got permanent free subscription.

 

May be better to apply in credit card roadshow, likely to have more gifts than to apply through internet/mailing forms

[Yuan]

Hi, am earning around 30k per annual, but if i am interested in getting a credit card, what do you guys suggest?

 

Basically i think it should have low/no annual fee andi feel like giving money to the bank.. Of cos it should have gd rates and more privledges. but i am not those that go for club and drinking though

 

Feel free to post ur opinions

 

Just have one or two would be good enough and in case you need to travel overseas.

 

I, for one, don't like to have credit cards. Only used them when overseas.

 

In Singapore, I paid most of my bills by cash or debit card.

 

This is to monitor and control my own finances and avoid the temptation of incurring debts with credit cards, or what they call "spending future money".

[Yuan]

POSB Everyday card for me.

 

I have one too.

[Edwardthy]

UOB credit. i can use my $mart points for shell petrol :)

[Atonchia]

This card if you pump Esso

 

http://www.dbs.com/sg/personal/cards/dbs_e...at/default.aspx

[Extramint]

This card if you pump Esso

 

http://www.dbs.com/sg/personal/cards/dbs_e...at/default.aspx

 

i use this too.

 

i also have the everyday card, DBS visa and POSB mastercard.

 

also UOB credit. thats it. enough. too many will make wallet fat.

[Ladykillerz]

For my case,

-> Citibank platinum card: Free entrance to Velvet Underground =D

-> UOB platinum card: Collect points and change Metro voucher

-> Citibank Dividend Visa/Mastercard (ExxonMobil): Best discount to pump petrol -> See Link

-> OCBC Robinsons Platinum Visa Card: Can get some discount when purchase @ John Little's, for me I buy health products =p

 

I heard standard chartered manhattan platinum card got this cashback thingy.

Go check it out.

And many more..~ Hope it helps.~

 

One more to add, don't delay your card's payments! Interest rate is insanely high!~

[Babyt]

Cashback is useless unless u really spend ALOT. Judging from ur salary (around 30K), i reckon u will spend ALOT so such credit cards will be out for u.

 

 

[Carz]

UOB and MAybank cards are goooooood

[LoverofCar]

yes..debit card is the best....no need to remember to pay the bank....and most important...no money don;t spend...why go on credit.....

Edited March 19, 2010 by LoverofCar

[Jeff49er]

I use UOB card for Shell and HSBC for Caltex

[Babyt]

yes..debit card is the best....no need to remember to pay the bank....and most important...no money don;t spend...why go on credit.....

 

some ppl use credit cards not because they no money duhz.

[The_Bear]

some ppl use credit cards not because they no money duhz.

Credit cards are inherently evil.

[Tunge]

Hi, am earning around 30k per annual, but if i am interested in getting a credit card, what do you guys suggest?

 

Basically i think it should have low/no annual fee andi feel like giving money to the bank.. Of cos it should have gd rates and more privledges. but i am not those that go for club and drinking though

 

Feel free to post ur opinions

 

 

with ur annual, can get quite a few cards.... for a start maybe get those without annual fees one like POSB everyday, got dividend/cash rebates, UOB singtel... most of the time i use my Citi Dividend card, easy to get annual fee waiver,