Earn up to 5X rewards points for every S$1 spent for eligible dining transactions, with no minimum spend required. T&Cs apply. You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 … Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. While competitors tend to stick to the basics, SC Unlimited Cashback Card is SimplyGo functional and offers cardholders up to 21% fuel savings at Caltex. Complimentary corporate liability waiver insurance 2 coverage of up to US$25,000 per cardmember and US$1,650,000 per company to protect against card misuse by your employees. The Citibank Prestige Card has a minimum annual income requirement of S$120,000. If you're an affluent traveller looking to rapidly accrue miles, consider the cards below. I have a good medical benefit when I retire … Earn 1 Reward point for every $1 on all spend. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional Acer Monitor KA242Y (valued at S$349) if you are new to American Express. Please note that additional time may be needed to review your application as Credit Bureau Singapore … Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. But what’s the difference between these two cards? 500 and an annual fee of Rs. If you prioritise golf perks and would like to earn miles, {"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis. The $30K minimum income requirement is a regulatory requirement, but there is an exception for one low credit limit card. I plan to retire at the end of next year with $25,000 in credit card debt and 15 more years to pay my mortgage. S$0 annual fee for the first 3 years and S$180 thereafter, Chance to win a trip for 2 to watch FC Barcelona every season, Complimentary access to selected VIP airport lounges. 6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel. Apply today and enjoy free transfers to Changi Airport. New DBS/POSB Credit Cardmember (Singaporeans/Permanent Residents) To qualify, you’ll need to earn a minimum annual income of S$30,000. Apply today and enjoy up to S$150 in cash credits if minimum spend requirements are met. Apply today and get up to S$150 in bonus cash credits. While OCBC Voyage Card has a rather high S$488 fee, it also comes with a variety of luxury travel privileges that make up for this cost. While there’s a S$588.5 fee, these perks balance the cost. While we receive compensation when you click links to partners, they do not influence our content. It has a joining fee of Rs. Minimum S$1,500 spend within 30 days. Overall, this card is perfect for higher spenders with an Advance account because while there’s a monthly cap, it’s very high, and the rebate rate is more than double that offered by unlimited cashback cards. Business credit cards regularly offer much larger signup bonuses than consumer credit cards, though they also come with appropriately large spending requirements. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Affluent golfers can access no-fee privileges with the following cards. Other foreigners require a minimum annual income of S$60,000, or if you do not meet the income … You still must be able to prove that you have a history of managing credit responsibly. Plus, free travel cover. Another is Bank of China's F1RST Card… If you’re still eyeing a “proper” credit card but don’t meet the income requirement, an alternative is to consider a secured credit card instead. Most cards offering these perks come with even higher fees. T&Cs apply. Ultimately, OCBC Voyage Card provides affluent travellers with great flexibility both in earning and redeeming miles, plus access to top-notch perks. Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services. Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap. finder.com is a financial comparison and information service, not a bank or ... Visa Credit or Debit Card outside of FairPrice (in-store & online), Warehouse Club and Unity. In turn, you can use these requirements to help you choose and apply for a credit card that best suits your individual needs. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Earn 1X TREATS Points for every dollar spent. If your total credit card balances are $25,000 or higher, they'll go up by hundreds of dollars every month because of interest, and it could cost you $1,000 or more just to make minimum … Up to 5% cashback on online and contactless spend (including SimplyGo rides), Get S$150 cashback with no minimum spend of S$800 when you sign up online by, Shopping, travel and lifestyle offers at over 3,000 outlets in Asia. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual … Minimum spend requirements and cashback caps apply. Another SC Visa Infinite Card benefit is access to top-notch travel perks. If you’re an affluent socialite seeking cashback on leisure spend. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Annual Fees: $32.10 including GST (waived for the first year) Finance Charges: Effective Interest Rate (“EIR”): 26.9% per annum (minimum). She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Receive Sennheiser CX350BT Wireless In -Ear Headphones (worth S$149) upon S$3,000 minimum spend within the first 3 months of card approval. Finder is committed to editorial independence. Monthly expenses. As an expat, the first consideration when deciding on the right credit cards for you in Singapore, ... Other Benefits: Your annual fee is waived if your annual spending exceeds S$25,000. Cardholders pay a S$535 annual fee, and they also receive 25,000 miles as a welcome gift or the option of a tablet bundled with $498. T&Cs apply. Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. The minimum income for Non-Singaporean residents is generally … Rewards. Your credit limit is a reflection of what the credit card issuer thinks you can reasonably repay based upon your income and credit score. Advantages and disadvantages of a credit card. Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. Annual fee applies. For foreigners, though the minimum income eligibility is generally S$40,000 p.a, some banks may ask for an income as high as S$60,000 p.a. Enjoy cashback on all purchases with no minimum spend or cap. A minimum annual income of S$30,000 for Singapore Citizens, Permanent Residents and Japanese Nationals. Up to 5% savings on groceries, fast food, movies, and coffee. In Singapore, foreigners require a higher income than local Singaporeans to apply for a credit card, generally in the range of S$40,000 to S$45,000 against S$30,000 for locals. Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. To make things easier, our research team closely analysed 100+ credit cards in Singapore to identify the best unlimited and high-cap cashback cards, as well as miles-earning cards with the most exclusive perks. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Up to 24.2% petrol savings at Caltex stations. This is where you find your DBS Altitudes, your Citibank Premiermiles and assorted other rewards cards. Plus, travel cover of up to S$1,000,000. In Singapore, the minimum annual income requirement to apply for a credit card generally starts at S$30,000 per year; but you may still have options if your salary is lower. Enjoy up to 3.33% cash rebates on local and foreign currency spend. Currently, the minimum amount of fixed deposit required for secured credit cards in Singapore is $10,000. In general you have to be at least 21 years old, and have a minimum annual income … However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. Plus, complimentary travel medical insurance. Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap. 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However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges. If payment is not made in full by the due date, finance charges … spend required, and 1X UNI$ (or 2 miles) on other purchases. For high spenders, cashback caps can prove very limiting. T&Cs apply. Earn 1 reward point for every S$1 charged to your card. except for students and senior citizens who are eligible only for exclusive credit cards designed for them. First 200 eligible applicants only. We may also receive compensation if you click on certain links posted on our site. Compared to residents, foreigners typically need a higher annual salary in order to qualify for a credit card. Find the perfect gift. Earn up to 4 miles per S$1 spend, with no expiry, Get up to 48,000 miles or up to S$200 cashback when you sign up by, Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases, S$0 annual fee for the first 1 year and S$160.50 thereafter, Get S$150 cashback with minimum spend of S$800 when you apply online by. Cardholders even have the chance to win a trip to see FC Barcelona play live, with travel and accommodations included. S$0 annual fee for the first 3 years and S$80 thereafter. For affluent consumers with a budget of at least S$6,000/month, If capped cashback cards are keeping you from your full earning potential, consider, If you’re an especially high spender with a mostly local budget, look no further than. So, now that you have a better understanding of minimum income requirements, you can compare and apply for a card that fits your needs. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). Ts&Cs apply, Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery, Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. What should I consider when comparing for a low income credit card? Use this guide to compare credit cards you’re eligible to apply for. Existing digibank customers If you are an existing … At the lower end you have the entry-level segment, where the required incomes range between $30-50K per annum. T&Cs apply. That’s why credit cards have qualifying criteria. Low income credit cards usually charge lower annual account keeping fees than more premium cards. Eligibility criteria, terms and conditions, fees and charges apply. When you apply for a credit card, the issuing bank will take into account the following factors when determining your credit … In general, cards with high minimum incomes will have a lot more features than low income credit cards, but there are still many different credit cards you can choose from if you make a relatively low income. The credit limit of a secured credit card is typically the same as the amount for the fixed deposit. Low income credit cards usually have lower minimum income requirements, such as S$16,000 p.a. Apply today and get S$150 in bonus cash credits. Apply today and receive up to S$80 cashback and a bonus 5% cashback. Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). There are also ways to avoid this minimum figure if, for example, you have high net financial assets. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. DBS World Business Card may boast a high annual fee and a minimum annual income requirement of $80,000, but this business credit card is packed to the brim with perks and privileges. Optional, only if you want us to follow up with you. In addition, non-Advance customers must pay a S$192.6 annual fee (though it can be waived with S$12,500 annual spend). S$0 annual fee for the first 2 years and S$160.50 thereafter. She's also one half of the Pocket Money podcast. Other factors that affect your credit card application, apply for a credit card that best suits your individual needs, alternatives for applicants with a bad credit rating, Compare credit cards with low income requirements, Compare credit cards which charge no annual fee, How to buy stock in Airbnb (ABNB) in Singapore, Guide to opening a bank account in Singapore for international students, Debit cards with instalment payment plans. Minimum Income (Singaporean & PR): S$30,000, Minimum Income (Non-Singaporean): S$40,000. On Finder Singapore, the details are listed in the ‘Application requirements’ section in the product reviews for individual cards. The Monetary Authority of Singapore mandates that credit cards should be backed by an annual income of at least $30,000. S$0 annual fee for the first 1 year and S$192.60 thereafter. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. Credit card income requirements help issuers assess the risk of lending and give you an idea of what cards are available to you based on your financial situation. T&Cs apply. T&Cs apply. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Earn 1 Rewards point for every S$1 charged to your card. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Ultimately, it’s worth checking to see if you qualify for an HSBC account, because HSBC Advance Card offers an exceptional way to quickly maximise spend, with fewer restraints than other cashback cards. HDFC Bank's MoneyBack Credit Card is another good credit card option; it offers good rewards for online transactions. Find the perfect gift S$0 annual fee for the first 5 years and S$192.60 thereafter, S$0 annual fee for the first 1 year and S$32.10 thereafter. While the law doesn’t indicate a specific income … In addition, new cardmembers receive 35,000 welcome miles (worth S$350) which further offset cost. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. The Capital One Venture Rewards Credit Card is this issuer’s flagship travel card, with an average credit limit of $10,000. This vacation-rental giant has finally gone public. We'll help you make informed decisions on everything from choosing a job to saving on your family activities. Apply today and receive up to S$80 cashback. For example, students wouldn’t be expected to earn $30,000 but they can still be approved for a credit card. Age, income and residential status of the applicant form the basic eligibility requirement for Credit Cards. 6% cashback on dining and 8% cashback on groceries. Sole Corporate Liability – Earn 0.3% cashback of the company's annual spending when you put all your corporate expenses onto the card. T&Cs apply. DBS World Business Card … Up to 10X rewards points for every S$1 spent in foreign currency on. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months. Non-Advance customers, however, earn 2.5% flat rebate after S$2,000 spend (1.5% if below), up to S$70/month. Could I get a credit card with a minimum income of S$20,000? Cardholders receive unlimited lounge access, complimentary limo transfers, free travel insurance, golfing privileges across SE Asia and more. We may also receive compensation if you click on certain links posted on our site. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. How long does it take to get a credit card? Find out which banks in Singapore offer them. Credit card issuers aren’t just trying to snoop — the truth is they’re legally obligated to ask for your income, according to the Credit CARD Act of 2009. product provider, We cannot provide you with personal advice or recommendations, Credit cards with free airport lounge access, Complimentary travel insurance credit cards, Minimum Income Required for a Credit Card, American Express Singapore Airlines KrisFlyer Credit Card, Standard Chartered Unlimited Cashback Credit Card, Standard Chartered NUS Alumni Platinum Credit Card, Maybank Manchester United Platinum Visa Card, Standard Chartered Priority Banking Visa Infinite Credit Card, Standard Chartered Prudential Visa Signature Card, Standard Chartered Platinum Visa Credit Card, Standard Chartered Business Platinum Credit Card, Standard Chartered Prudential Platinum Credit Card, Compare credit cards with low minimum income requirements. T&Cs apply. When you apply for some of our handpicked cards, you can receive … In the meantime, cardholders also enjoy discounted lounge access and a 10,000 annual Travel$ bonus (worth S$100 or 10k miles). Apply today and receive up to S$80 cashback and 5% bonus cashback. Minimum income requirements are the lowest amount of money you need to earn before tax per year to apply for a credit card. These cards are issued at lower or no minimum income limit and carry limitations such as lower credit limits to mitigate the risk of default. We may receive compensation from our partners for placement of their products or services. As such, it's easy to switch between miles and cashback depending on preference or needs. The relationship between income and credit cards can influence a wide range of credit card features, from the credit limit and interest rate of the card right through to complimentary extras or rewards programs. While we are independent, we may receive compensation from our partners for featured placement of their products or services. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. These basically carry the same fees and benefits as a regular credit card, but require you to put $10,000 in a fixed deposit (which also serves as the credit … There are three such credit cards that I know of that are available to the general working public (non-students): 1. Otherwise, get 10,000 bonus miles when you pay the annual … Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. S$0 annual fee for the first 1 year and S$85.60 thereafter, Earn 2.5 points for every $1 spent on your credit card. These cards minimise such restraints and provide a way for affluent individuals to maximise their earnings potential. Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. Just keep in mind that your income is only one factor that’s taken into account during the application process. Get 45,000 miles when you spend S$9,000 in the first 3 months. Maybank FC Barcelona Card only rewards overseas spend with 2 points per S$1 (equal to 0.8 miles, or about 0.8%), and therefore is best fit for local spenders. Apply today and enjoy up to S$150 in cash credits. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. Thanks to the Credit Card Accountability Responsibility and Disclosure Act of 2009, more commonly known as the CARD Act, several protections were put in place to keep consumers from falling prey to predatory credit card … One reviewer received a $15,000 line with an average score of 662. Be aware that the benefits and perks, like rewards, offered by ‘no income’ or ‘low income’ credit cards, are likely to be restricted. 2. Cash vs Credit Cards: Which Is Better To Use When Travelling? You … finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. Principal Annual Fee: S$0 annual fee for entire membership - S$0 thereafter. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. We’ve selected the best cards on the market for business travellers in terms of comfort & convenience, high overseas rewards rates, and a few added benefits (like rewards for banking). T&Cs apply. Overall, affluent individuals interested in unlimited rewards–with the flexibility to change redemption type–should definitely consider OCBC 90°N Card. Using your debit card in a foreign country is safe and convenient, but make sure to enable it for overseas use and look out for fees. Keeping in mind both income requirements and common needs of expats at every socioeconomic status, our research experts reveiwed 100+ of the most competitive credit cards … Here’s how to find a card that works for you. Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Make payments conveniently at over 61 million merchants across the world with a Visa debit card. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. The most common aspirational credit card for young adults is a Visa Infinite branded one - these cards generally require an annual income of at least S$120,000. Earn up to 8% cash rebates in grocery stores, supermarkets, online grocery shopping and other categories when minimum spend requirements are met. Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. Get up to 20.88% fuel discounts at Esso and Shell. When applying for a credit card, you must meet some requirements. If you're a high income earner spending S$6–8k+ per month, typical cashback cards' earning caps will restrain your potential. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000. Thus, credit card sign-up promotions also weighed in as one of the most important criteria when picking up the top credit cards. Earn 3X STAR$ when you shop at participating CapitaLand malls, and more, S$0 annual fee for the first 1 year and S$171.20 thereafter. Ends. While most banks do not publicise a secured credit card … 5% cashback for petrol, plus earn rewards points and exchange them for car servicing vouchers, vehicle merchandise and more. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Here are 8 best credit cards for low salaried individuals. T&Cs apply. The minimum income for getting a credit card varies but can be as low as $15,000 per year. Income: Your income also plays a major role in getting approved for a credit card. When you apply for a credit card, your income is an important eligibility requirement that the issuer will use to assess your ability to repay. Is there such a thing as a credit card with no minimum income? That said, there are a few credit cards available for those unable to meet this requirement. Altogether, high spenders can enjoy more than just unlimited earning potential with SC Unlimited Cashback Card–they can also take advantage of a variety of transport benefits, whether they’re commuting, driving, or booking a private hire. S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter. Get up to S$100 in cash rebates every month. This means if you pledge a $10,000 fixed deposit for the credit card, the credit … Get S$150 cash credit when you apply. Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. Our partners cannot pay us to guarantee favorable reviews of their products or services. In some cases, it may be possible. You could use the credit card to build up a healthy credit rating if you pay off your debt each statement period. Learn how to invest in Airbnb in Singapore. S$0 annual fee for the first 1 year and S$176.55 thereafter. In Singapore, minimum eligibility for Singaporeans and permanent residents is more or less fixed at S$30,000 p.a. T&Cs apply. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. S$0 annual fee for the first 3 years and S$160.50 thereafter, Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card, Apply today and receive up to S$80 cashback and 5% bonus cashback. On the other hand, the average travel card may not provide the luxury and comfort you seek. Do I make enough money to get a credit card? However, the card comes with a few unique sporting benefits that set it apart, including discounts of up to 10% off at official FC Barcelona stores. If you’re an affluent consumer and don’t mind paying a high fee for elite privileges, you may be interested in these cards. Cardholders also earn 25,000 miles when they pay their annual … However, credit card issuers weigh up a range of other factors before approving or denying your request for credit. S$0 annual fee for the first 2 years and S$192.60 thereafter. These rates are less competitive. The $30,000 minimum income requirement for credit cards is a regulatory requirement in Singapore. Plus, 3% savings on online shopping. What are the qualifying criteria for a credit card? The site does not review or include all companies or all available products. Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost. If your annual income fits within the S$16,000 and S$18,000 bracket, applying for a low income credit card could be possible. Best low-income credit cards for people earning below Rs.25,000. Why should I consider a credit card if there aren't any rewards? The credit card landscape in Singapore can be roughly segmented into three tiers. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. T&Cs apply. Even better, spending S$50,000/year earns a fee waiver as well as 20,000 bonus miles (worth about S$200). Regularly offer much larger signup bonuses than consumer credit cards usually have lower minimum income for getting a credit?... Receive … do I make enough money to get a 3 % cashback the... 61 million merchants across the world with a cashback debit card is the! Penn State University, graduating with a degree in Political Science and Government Expedia, Agoda and travel! Fee, these perks come with online shopping and travel your debt each period! 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