This March, we’re giving away a Rolex worth up to $12,000! As well as an Apple 14-inch MacBook Pro, Sony PlayStation 5, a complimentary one-night stay at The Ritz Carlton…and the list goes on.
Clearly, we’re spoilt for choice when it comes to credit card promotions these days. Lucky for you, banks offering credit cards in Singapore are competing so hard for new customers that they are practically raining Apple products, Nintendo Switches, ergonomic chairs, cold hard cash and other freebies on us.
But which are the best credit card promotions in Singapore? Here are our picks from Citibank, Standard Chartered, UOB, DBS, and more.
Best Credit Card Promotions in Singapore (Mar – May 2024)
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- An overview
- Citibank credit card promotions
- Standard Chartered credit card promotions
- CIMB credit card promotions
- UOB credit card promotions
- HSBC credit card promotions
- AMEX credit card promotions
- DBS credit card promotions
- POSB credit card promotions
- OCBC credit card promotions
- Credit card promotions—is there a catch?
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An overview: Best credit card promotions in Singapore (Mar – May 2024)
This month, credit card promotions are plying you with gifts such as Apple iPads, a Nintendo Switch OLED, a complimentary one-night stay at The Ritz Carlton, Millenia Singapore, and more.
Some top credit card promotions also give you SmartPoints, which give you the ultimate flexibility to choose your gift. You’ll never run into an issue where the credit card best for you doesn’t come with the sign-up gift you want—with SmartPoints, you can choose any gift you want from our Rewards Store!
Look out for credit cards marked with ✨ and ★ in the table below. These credit cards come with extra goodies—scroll to the bottom of this table to see what they are! Hint: One of them is a Rolex worth up to $12,000.
Credit card | Credit card promotion | Minimum spend | Promotion valid until |
Citi Cash Back+ Mastercard, Citi Cash Back Card | Choose ANY gift from our Rewards Store with the 5,040 SmartPoints you’ll earn. Gifts include: Apple 10.2-inch iPad, Nintendo Switch OLED, and more. | $500 (within 30 days) | 15 Mar 2024 |
Citi Rewards Card, Citi PremierMiles Card ★ | Choose ANY gift from our Rewards Store with the 5,100 SmartPoints you’ll earn. Gifts include: Apple 10.2-inch iPad, Nintendo Switch OLED, and more. | ||
Standard Chartered Simply Cash Credit Card | (1) Up to $350 cash or 4,500 SmartPoints (2) Up to $350 cash or 5,000 SmartPoints Redeem your SmartPoints for gifts at our Rewards Store, such as an Apple iPad or Nintendo Switch OLED. |
(1) $500 (within 30 days) (2) Spend an extra $500 in the next 30 days. |
7 Mar 2024 |
Standard Chartered Smart Credit Card | (1) Up to $100 cash or 1,600 SmartPoints (2) Up to $230 cash or 1,890 SmartPoints Redeem your SmartPoints for gifts at our Rewards Store, such as an Amazon Kindle or FitBit Inspire 3. |
(1) $200 (within 30 days) (2) Spend an extra $1,000 in the next 30 days. |
7 Mar 2024 |
Standard Chartered Rewards+ Credit Card | |||
Standard Chartered Journey Credit Card ★ | Up to 45,000 miles (with payment of annual fee) or 35,000 miles (annual fee waived) | $3,000 spend within 2 months. | 14 Mar 2024 |
CIMB World Mastercard | Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 7-Speed Foldable Bike (worth S$399) or S$280 Cash via PayNow | $988 spend within 60 days. | 31 Mar 2024 |
CIMB Visa Signature ★ | |||
CIMB Visa Infinite | |||
American Express The Platinum Card | Get a complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590) and 135,000 Membership Rewards points (enough for a return trip to USA West Coast) | $6,000 minimum spend and annual fee payment within 60 days | 18 Mar 2024 |
American Express Singapore Airlines KrisFlyer Ascend Credit Card | $300 eCapitaVouchers ($150 eCapitaVouchers for existing cardholders) and up to 17,000 KrisFlyer miles | $1,000 spend and annual fee payment within 30 days | 18 Mar 2024 |
American Express Singapore Airlines KrisFlyer Credit Card | $100 eCapitaVouchers and up to 17,000 KrisFlyer miles | $500 spend within 30 days | 18 Mar 2024 |
American Express Platinum Credit Card | $400 eCapitaVouchers ($200 eCapitaVouchers for existing cardholders) + 1,250 Membership Rewards points | $1,000 spend and annual fee payment within 30 days. | 31 Mar 2024 |
American Express True Cashback Card | $200 cash via PayNow | $500 spend within 30 days | 14 Mar 2024 |
The American Express Singapore Airlines Business Credit Card | Up to 68,000 HighFlyer points (worth S$647) | $6,000 spend and annual fee payment within 3 months | 29 May 2024 |
Samsonite Choca Spinner 68/25 Luggage (worth S$700) + 10,800 HighFlyer points (worth S$102) | $6,000 spend within 3 months | 29 May 2024 | |
UOB One Card ✨ | Up to 15% cashback and $350 cash credit | $1,000 spend/month for 2 consecutive months | 31 Mar 2024 |
UOB Absolute Cashback Card ✨ | $350 cash credit (first 200 new-to-UOB customers) | $1,000 spend/month for 2 consecutive months | 31 Mar 2024 |
UOB EVOL Credit Card ✨ | |||
UOB Lady’s Card ✨ | |||
UOB PRVI Miles Credit Card (MASTERCARD / VISA / American Express) ✨ | Up to 50,000 Welcome Miles | $1,000 spend/month for 2 months, annual fee payment, and SMS registration | 31 Mar 2024 |
KrisFlyer UOB Card ★✨ | Up to 31,000 miles and first year annual fee of S$196.20 (inc GST) waived | $2,000 spend within 60 days | 14 Mar 2024 |
HSBC Revolution Credit Card | Your choice of gift: Hinomi Q1 Ergonomic Chair (worth S$499) / Samsung 27-inch Smart Monitor M5 (worth S$432) / Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) / S$250 Cash via PayNow
Bonus gift: Get an Apple iPad 10th Gen, 64GB (worth S$691.60) on top of your baseline gift when you are 1 of the first 3 successful claims at 2pm & 9pm daily. |
$500 spend from Card Account Opening Date to end of the following month. | 7 Mar 2024 |
HSBC Visa Platinum Card | |||
HSBC Advance Credit Card | |||
HSBC TravelOne Card ★ | |||
DBS yuu Card (Visa / American Express) | $388 cashback (new cardmembers) | $800 spend within 60 days. | 31 May 2024 |
DBS Live Fresh Card | |||
DBS Altitude Card (Visa Signature) | Up to 53,000 miles | $3,000 spend and payment of annual fee within 60 days | 19 May 2024 |
DBS Altitude Card (American Express) | Up to 60,000 miles | 31 May 2024 | |
DBS Vantage Visa Infinite Card | Up to 85,000 miles (new cardmembers) / 40,000 miles (existing cardmembers) | $4,000 spend and payment of annual fee within 30 days | 31 May 2024 |
DBS Takashimaya American Express Card | $150 cashback | $250 spend within Takashimaya within 30 days | 30 Apr 2024 |
DBS Esso Card | $120 cash rebate | $180 spend on fuel per month for 2 consecutive months | 30 Apr 2024 |
POSB Everyday Card | $388 cashback | $800 spend within 60 days | 31 May 2024 |
★ For selected travel cards, be the first 800 new-to-card customers to submit the claim form and get a free 5GB Eskimo e-SIM (worth S$33.60)—no minimum spend required!
1. Citibank credit card promotion
Looking to sign up for a new Citibank credit card? Well, you’re in luck! This month, Citibank credit card welcome gifts are coming with the ultimate flexibility—earn 5,040/5,100 SmartPoints and choose any gift at our Rewards Store, including:
- Apple 10.2-inch iPad Wi-Fi, 64GB (5,040 SmartPoints)
- Sony WH-1000XM5 Noise Cancelling Headphones (5,100 SmartPoints)
- ErgoTune Supreme V3 (5,000 SmartPoints)
- The Morning Machine (works with Nespresso capsules) (5,000 SmartPoints)
- Nintendo Switch OLED (5,000 SmartPoints)
- G-Shock CasiOak Grove Blossom/Black Rainbow (5,000 SmartPoints)
Prefer cold, hard cash? You can also simply opt to receive $300 cash.
All you need to do is sign up for one of the following Citibank credit cards via MoneySmart and spend $500 within 30 days.
There are 4 Citibank credit cards on promotion. Our top pick is the Citi Cash Back+ Mastercard, an unlimited cashback card with no monthly minimum spend.
If you’d prefer a miles card, the Citi PremierMiles Card lets you earn Citi Miles that never expire.
Here’s a summary of all the Citibank credit cards with ongoing promotions:
Citibank credit card | Key features | Promotion | Valid until |
Citi Cash Back+ Mastercard | 1.6% cashback that never expires. No minimum spend required and no cap on cash back. | Choose any gift from our Rewards Store with the 5,040 SmartPoints you’ll earn. Alternatively, get $300 Cash via PayNow. To qualify, spend a miniumum of $500 in “Qualifying Spends” within 30 days from card approval date. |
15 Mar 2024 |
Citi Cash Back Card | 6% cashback on dining, 8% cashback on groceries and petrol. | ||
Citi Rewards Card | 10X Rewards on online purchases, ride-hailing and shopping. | Choose any gift from our Rewards Store with the 5,100 SmartPoints you’ll earn. Alternatively, get $300 Cash via PayNow. To qualify, spend a miniumum of $500 in “Qualifying Spends” within 30 days from card approval date. |
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Citi PremierMiles Card | $1 = 1.2 Citi Miles on Local spend and 2 Citi Miles on Foreign currency spend. Citi Miles never expire. |
Plus, be the first 800 new Citi PremierMiles Card customers to submit the claim form and get a free 5GB Eskimo e-SIM (worth S$33.60)—no minimum spend required.
The Citibank SMRT Card does not have any ongoing promotions.
2. Standard Chartered credit card promotions
There are a few Standard Chartered credit card promotions ongoing this month that are all very enticing. It’s hard to pick the best, but the Standard Chartered Simply Cash Credit Card promotion comes up top in terms of cash value. This card is an unlimited cashback card with no cashback cap and no minimum spend.
This month, you can get tiered gifts from applying for the Standard Chartered Simply Cash Credit Card. Spend $500 within the first month to get $330 cash or 4,500 SmartPoints. If you spend another $500 within the next month, you’ll get an additional 500 bonus SmartPoints.
Alternatively, get the Standard Chartered Rewards+ Credit Card or Standard Chartered Smart Credit Card and spend $200 in 30 days. to receive $100 cash or 1,600 SmartPoints. Spend an additional $1,000 within the next 30 days to get a total of $230 cash or 1,890 SmartPoints instead. Use these SmartPoints to redeem gifts like a Logitech Wireless MX 3 mouse, an Amazon Kindle, a FitBit Luxe, and more. You get to choose the gift you want!
Here’s a summary of all Standard Chartered credit card promotions this month:
Standard Chartered credit card | Key features | Promotion | Valid until |
Standard Chartered Simply Cash Credit Card | 1.5% unlimited cashback with no minimum spend |
Up to $350 cash or 4,500 SmartPoints with $300 spend within 30 days. Spend an additional $500 in the next 30 days for up to $330 cash or 5,000 SmartPoints in total. |
7 Mar 2024 |
Standard Chartered Smart Credit Card | 6% cashback on digital subscriptions, at fast food outlets and daily commutes | Get $100 cash or 1,600 SmartPoints with $200 minimum spend within 30 days. Spend an extra $1,000 in the next 30 days for up to $230 cash or 1,890 SmartPoints instead. Redeem your SmartPoints at our Rewards Store for gifts like a Logitech Wireless MX Master 3 mouse (1,890 SmartPoints), an Amazon Kindle (1,800 SmartPoints), and more. |
7 Mar 2024 |
Standard Chartered Rewards+ Credit Card | 10X Rewards Points per S$1 spent in foreign currency, 5X Rewards Points per S$1 local dining spend | ||
Standard Chartered Journey Credit Card | 3 miles per S$1 spent on online Transportation, Food Delivery & Online Grocery transactions | Up to 45,000 miles with payment of annual fee and $3,000 spend within 60 days. Up to 25,000 miles with annual fee waived and $3,000 spend within 60 days. |
14 Mar 2024 |
Plus, be the first 800 new Standard Chartered Journey Credit Card customers to submit the claim form and get a free 5GB Eskimo e-SIM (worth S$33.60)—no minimum spend required.
The other Standard Chartered credit cards don’t have ongoing sign-up promotions this month. Wondering what happened to the Standard Chartered X Card, with its infamous 100,00 miles sign-up promotion? The X card got X-ed, and has been replaced by the Standard Chartered Journey Credit Card.
3. CIMB credit card promotion
There are 3 ongoing credit card promotions for those new to CIMB credit cards.
The most accessible CIMB credit card is the CIMB World Mastercard, which has a $0 minimum spend per month. Note, however, that you’ll need to hit $1,00 a month to enjoy the card’s higher 2% unlimited cashback rate.
Here are all the CIMB credit card promotions:
CIMB credit card | Key feature(s) | Promotion | Valid until |
CIMB World Mastercard | 2% unlimited cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods. No annual fees for life. | Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 7-Speed Foldable Bike (worth S$399) or S$280 Cash via PayNow with $988 spend within 60 days. | 31 Mar 2024 |
CIMB Visa Signature | 10% cashback on Beauty & Wellness, Online Shopping, Groceries and more, capped at S$100 per month and up to S$20 per category. Minimum spend S$800. | ||
CIMB Visa Infinite | 2% unlimited cashback on Travel, Overseas, Online Spend in Foreign Currencies with $2,000 minimum monthly spend. |
Plus, be the first 800 new CIMB Visa Signature customers to submit the claim form and get a free 5GB Eskimo e-SIM (worth S$33.60)—no minimum spend required.
4. UOB credit card promotions
This month, UOB is full of credit card promotions. Currently, there are 2 main types of UOB credit card promotions—cash credit or welcome miles.
One of the most accessible UOB credit cards is the $0 minimum spend UOB Absolute Cashback Card, which will get you $350 Cash Credit this month.
With a 50,000 miles bonus, the UOB PRVI Miles Card offers one of the biggest miles promotion this month:
Here’s a summary of all ongoing UOB credit card promotions this month:
UOB credit card | Key features | Promotion | Valid until |
UOB One Card | Up to 15% rebate on Shopee, Dairy Farm Group, Grab, SP | Up to 15% cashback and $350 cash credit from UOB with $1,000 spend/month for 2 consecutive months | 31 Mar 2024 |
UOB Absolute Cashback Card | 1.7% limitless cashback with no minimum spend | $350 cash credit from UOB with $1,000 spend/month for 2 consecutive months (first 200 new-to-UOB customers) | 31 Mar 2024 |
UOB EVOL Credit Card | 8% cashback on Online and Mobile Contactless spend with | ||
UOB Lady’s Card | Up to 30 miles per S$5 spent on your preferred category with no min. spend required. | ||
UOB PRVI Miles Credit Card (MASTERCARD / VISA / American Express) | $1 local spend = 1.4 miles; $1 overseas spend = 2.4 miles. No minimum spend and no cap on earned miles. | Up to 50,000 miles with $1,000 spend/month for 2 months, annual fee payment, and SMS registration. | 31 Mar 2024 |
KrisFlyer UOB Card | $1 = 3 KrisFlyer Miles (with $800 annual spend on Singapore Airlines Group)
$1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases |
Up to 31,000 miles and first year annual fee of S$196.20 (inc GST) waived with $2,000 spend within 60 days. Plus, be the first 800 new customers to submit the claim form and get a free 5GB Eskimo e-SIM (worth S$33.60)—no minimum spend required. |
14 Mar 2024 |
UOB credit card applicants get extra goodies this month. The first 300 to submit the MoneySmart Claim Form will get an additional $50 cash bonus via PayNow.
But the grand prize? Applicants will also stand a chance to win a Rolex Explorer 36mm 124270 Stainless Steel (worth up to S$12,000)! The second place winner will get an Apple 14-inch MacBook Pro M3 Chip, 2023 (worth S$2,320.25), and in third place you get a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669). This draw applies to the following cards:
- UOB One Credit Card
- UOB Absolute Cashback Card
- UOB PRVI MASTERCARD Miles Card
- UOB PRVI VISA Miles Card
- UOB PRVI American Express Miles Card
- UOB EVOL Credit Card
- UOB Lady’s Card
- KrisFlyer UOB Credit Card
At the time of writing, the UOB Preferred Platinum Visa Card and UOB Visa Infinite Metal Card have no ongoing promotions.
5. HSBC credit card promotions
Check out all the HSBC credit cards for the latest credit card promotions.
Among their cards, our top pick is the HSBC Revolution Credit Card. The most accessible card with $0 minimum spend, this card is great for earning points through everyday spending.
HSBC credit card | Key feature(s) | Promotion | Valid until |
HSBC Revolution Credit Card | 10X Reward points on online purchases and contactless payments. No minimum. spend and no annual fee. | Your choice of gift: Hinomi Q1 Ergonomic Chair (worth S$499) / Samsung 27-inch Smart Monitor M5 (worth S$432) / Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) / S$250 Cash via PayNow Bonus gift: Get an Apple iPad 10th Gen, 64GB (worth S$691.60) on top of your baseline gift when you are 1 of the first 3 successful claims at 2pm & 9pm daily. Gift eligibility requirements: Spend a minimum of $500 in Qualifying Transactions from Card Account Opening Date to end of the following month. |
7 Mar 2024 |
HSBC Visa Platinum Card | 5% cash rebate on local dining and groceries with minimum spend of S$600 monthly in a calendar quarter | ||
HSBC Advance Credit Card | 1.5% cashback on local and overseas purchases with no min. spend | ||
HSBC TravelOne Card | S$1 local spend = 1.2 miles; S$1 on foreign spend = 2.4 miles |
There’s no current promotion for the HSBC Visa Infinite Credit Card.
6. AMEX credit card promotions
This month, AMEX credit cards are offering up to 135,000 Membership Rewards points with the American Express The Platinum Card—that’s enough for a return trip to Europe, the USA (West Coast), or Canada!
Here are all the American Express credit card promotions this month:
American Express credit card | Key feature(s) | Promotion | Valid until |
American Express The Platinum Card | $1.60 spend = 2 Membership Rewards | Get a complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590) and 135,000 Membership Rewards points (enough for a return trip to USA West Coast) with $6,000 minimum spend and annual fee payment within 60 days. | 18 Mar 2024 |
American Express Singapore Airlines KrisFlyer Ascend Credit Card | $1 local spend = 1.2 KrisFlyer miles; S$1 spend on Grab = 3.2 KrisFlyer miles | $300 eCapitaVouchers (S$150 eCapitaVouchers for existing cardholders) and up to 17,000 KrisFlyer miles (enough for a return trip to Bali) with $1,000 spend and annual fee payment within 30 days. | 18 Mar 2024 |
American Express Singapore Airlines KrisFlyer Credit Card | $1 local spend = 1.1 KrisFlyer miles; S$1 spend on Grab = 3.1 KrisFlyer miles | S$100 eCapitaVouchers and up to 17,000 KrisFlyer miles (enough to redeem a return trip to Bali) with a minimum spend of $500 within 30 days. | 18 Mar 2024 |
American Express Platinum Credit Card | $1.60 spend = 10 Points at participating Platinum EXTRA Partners / 2X Points on all other spend | $400 eCapitaVouchers ($200 eCapitaVouchers for existing cardholders) with $1,000 spend and annual fee payment within 30 days. Additionally, earn 1,250 Membership Rewards points based on the $888 spent above. |
31 Mar 2024 |
American Express True Cashback Card | Unlimited 1.5% cashback (3% for first 6 months with $5,000 spend) | $200 cash with $500 spend within 30 days. | 14 Mar 2024 |
The American Express Singapore Airlines Business Credit Card | Up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airlines Group flights | Up to 68,000 HighFlyer points (worth S$647) with annual fee payment and $6,000 spend within 3 months. OR get a Samsonite Choca Spinner 68/25 Luggage (worth S$700) + 10,800 HighFlyer points (worth S$102) with $6,000 spend within 3 months. |
29 May 2024 |
This month, the American Express CapitaCard does not have any ongoing promotions.
7. DBS credit card promotions
The juiciest DBS credit card sign-up promotions this month are a $388 cashback promotion and a 85,000 miles promotion. The former applies to the DBS yuu Card:
The DBS Vantage Visa Infinite Card comes with a fat miles welcome gift this month, but do note that this is not an entry-level miles card:
Here’s the full list of ongoing DBS credit card promotions:
DBS credit card | Key feature(s) | Promotion | Expiry |
DBS yuu Card (Visa / American Express) | 5% Cash Rebate / 10x yuu Points with no minimum spend and no cap. | $388 cashback (new cardmembers) with $800 minimum spend within 60 days. | 31 May 2024 |
DBS Live Fresh Card | 5% cashback on Online & Visa contactless spend with $600 minimum monthly spend | ||
DBS Altitude Card (Visa Signature) | $1 spend at Expedia & Kaligo = 10 miles that never expire | Up to 53,000 miles with $3,000 spend and payment of annual fee within 60 days | 19 May 2024 |
DBS Altitude Card (American Express) | Up to 60,000 miles with $3,000 spend and payment of annual fee within 60 days | 31 May 2024 | |
DBS Vantage Visa Infinite Card | 1.5 miles or 1.5% cashback per S$1 local spend; 2.2 miles or 2.2% cashback per S$1 overseas spend | Up to 85,000 miles (new cardmembers) / 40,000 miles (existing cardmembers) with $4,000 minimum spend and payment of annual fee within 30 days | 31 May 2024 |
DBS Takashimaya American Express Card | 2 Taka Bonus Points for every S$10 spend at Takashimaya; 10% additional discount during Takashimaya sale events | $150 cashback with $250 minimum spend within Takashimaya within 30 days | 30 Apr 2024 |
DBS Esso Card | Up to 21.6% fuel savings at Esso; 1 Smiles Point per S$10 charged outside of Esso | $120 cash rebate with $180 spend on fuel per month for 2 consecutive months | 30 Apr 2024 |
These other DBS credit cards do not have ongoing sign-up promotions:
A word on the DBS Woman’s and Woman’s World Card: Don’t be fooled by the name. You can apply for these cards no matter your gender.
8. POSB Credit Card Promotion
The POSB Everyday Card is a straightforward cash rebates card with (strictly speaking) no minimum spend; certain bonus reward categories require you to spend above $800/month.
As the name suggests, you can apply for the POSB Everyday Card to make the most out of your day-to-day spending. The latest POSB Everyday Card promotion is as fuss-free as the card—$388 cashback when you apply and spend $800 within 60 days.
9. OCBC credit card promotions
At the time of writing, there are no ongoing OCBC credit card sign-up promotions. However, there’s one OCBC credit card with a limited-time cashback promotion we want to highlight. The OCBC INFINITY Cashback Card is currently offering 1.8% unlimited cashback from now till 31 Mar 2024—that’s the highest unlimited cashback rate in town with no minimum spend:
Credit card promotions—is there a catch?
With free AirPods Pro, ergonomic standing desks and thousands of miles raining down on us, you might be wondering: Is there a catch to all these freebies?
Truth is, there is one drawback to signing up for credit card promotions: You won’t be eligible for more freebies in the future. Well, at least for a year. Here’s how it works:
Banks and comparison sites like MoneySmart usually offer the best giveaways for new sign ups. Usually this is defined as people who either:
- Have never ever owned a credit card from that bank, OR
- Cancelled their card at least 12 months ago
If you’re thinking of gaming the system by cancelling your card and re-applying, tough luck!
Another thing to note is that you must hit the minimum spend to get your reward. If you’re really lucky, you’ll get your shiny new iPad or cashback immediately upon card approval. However, most banks require you to spend a minimum sum (say, $1,000 in the first month) and sometimes even fork out the first year’s annual credit card fee (goodbye, fee waiver!). After all that, banks will make you wait a few months before you can even smell the freebie.
So what’s the lesson here? Read the T&Cs carefully, and only sign up when you’re confident you can hit the minimum spend.
Read more about the best air miles, cashback, and rewards credit cards! Plus, learn the differences between air miles vs cashback vs rewards credit cards.
About the author
Vanessa Nah is a personal finance content writer who pens articles on the ins and outs of personal loans, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most impawtently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.
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