Which credit card to apply?
- Thread starter evollove
- Start date
pinkblusher
New Member
for ladie's benefits (if you're into gym, spa, shopping and dining) you can never go wrong with UOB Ladie's Mastercard...
I'm also using DBS Ladie's card (not sure the exact name but the card is white in colour)
I'm also using DBS Ladie's card (not sure the exact name but the card is white in colour)
Take the UOB ladies is better. Have more benefits for ladies whereas DBS not much.
I also a Citibank Dividend card user, find it very useful as it has moneyback every quarter. 5% for petrol, 2% for dining/hotel/pharmacy and others at 0.5% unlike what other cards are offering 0.5% flat (in terms of points somemore). I highly recommend it for wedding planning cos you need more money.
I also a Citibank Dividend card user, find it very useful as it has moneyback every quarter. 5% for petrol, 2% for dining/hotel/pharmacy and others at 0.5% unlike what other cards are offering 0.5% flat (in terms of points somemore). I highly recommend it for wedding planning cos you need more money.
cecilialim
Active Member
so true??? cannot be la.. like that i go sign up liao
hi pple!
i'm having the posb credit card..
coz it helps to reduce my monthly electrical, starhub bills.. although not alot.. but 1% is better than nothing.. hehe
oh ya.. 5% rebate for use in carrefour too..
as for the krisflyer tingy.. i'm not too sure abt tat..
yup 3 cheers to the platinum dividend card too.. practically use tat to pay for all my stuff..
i'm having the posb credit card..
coz it helps to reduce my monthly electrical, starhub bills.. although not alot.. but 1% is better than nothing.. hehe
oh ya.. 5% rebate for use in carrefour too..
as for the krisflyer tingy.. i'm not too sure abt tat..
yup 3 cheers to the platinum dividend card too.. practically use tat to pay for all my stuff..
truffles__pearls
New Member
hi,
for grocery shopping or other household expenses, which card is good?
for grocery shopping or other household expenses, which card is good?
For Citibank Dividend card, at a rate of 0.5% rebate, u'll need to spend $10000 in order to get the $50 cheque. If u do not chalk up this amount by the anniversary date, whatever Dividend$ u've accumulated will be forfeited. Of cos, if u're driving and pump a lot of petrol, u'll be able to hit 50 Dividend$ much sooner. So unless u're driving or spend a lot on shopping/dinning, Dividend card is of little use.
Although the rebate percentage is lower (0.3%), POSB Everyday card is more "friendly" because u can redeem any amount of Daily$ anytime u want in the form of discount to ur SP Services and Starhub bills.
I think the best card around now UOB-Singtel card. As long as u have a Singtel account (residential or mobile or broadband), u can apply for this card (3-year subscription fee waiver). The rebate percentage is at least 0.5% and comes in the form of Smart$, and can (only) be used to offet ur Singtel bill or convert to Krisflyer Miles. Other benefits include a sign-up bonus of 50 Smart$ and free caller-ID if u're using Singtel mobile line.
A combination of POSB Everyday (for grocery shopping at Carrefour and paying SP Services and Starhub bills) and UOB-Singtel (for general shopping and Singtel bills) will be good. =)
Although the rebate percentage is lower (0.3%), POSB Everyday card is more "friendly" because u can redeem any amount of Daily$ anytime u want in the form of discount to ur SP Services and Starhub bills.
I think the best card around now UOB-Singtel card. As long as u have a Singtel account (residential or mobile or broadband), u can apply for this card (3-year subscription fee waiver). The rebate percentage is at least 0.5% and comes in the form of Smart$, and can (only) be used to offet ur Singtel bill or convert to Krisflyer Miles. Other benefits include a sign-up bonus of 50 Smart$ and free caller-ID if u're using Singtel mobile line.
A combination of POSB Everyday (for grocery shopping at Carrefour and paying SP Services and Starhub bills) and UOB-Singtel (for general shopping and Singtel bills) will be good. =)
Recently, I keep getting calls from banks offering me credit cards. Thing is, I don't even have accounts with them. How did they get my particulars???
My husband recently received a credit card from Posbank, which he did not apply for... Thing is, we just moved places. And the credit card was sent to the old address. I find this act from banks irresponsible. Do I have to pay for the bill if the card falls into other's possesion? I mean, I didn't even know this card exist.
My husband recently received a credit card from Posbank, which he did not apply for... Thing is, we just moved places. And the credit card was sent to the old address. I find this act from banks irresponsible. Do I have to pay for the bill if the card falls into other's possesion? I mean, I didn't even know this card exist.
Hi,
I need some help here. If my annual income is less than $30K, what are the possible ways to get a credit card?
If I will to report my income tax to be $30K and then use the tax assessment report to apply for a credit card, will I be question by the bank?
Hope someone could share some experiences with me.
I need some help here. If my annual income is less than $30K, what are the possible ways to get a credit card?
If I will to report my income tax to be $30K and then use the tax assessment report to apply for a credit card, will I be question by the bank?
Hope someone could share some experiences with me.
Hi Isetan credit card annual income only $20k.
If you can't get credit card, perhaps you can use a debit card instead?
If you keen on credit card, you can try to declare own income and declare income tax at the level which your annual income hits the min required for credit card application. You won't be questioned by the bank. That's how self made businessmen own credit cards right? You just declare your income. Who can say you earn less esp if you report tax at that level?
If you can't get credit card, perhaps you can use a debit card instead?
If you keen on credit card, you can try to declare own income and declare income tax at the level which your annual income hits the min required for credit card application. You won't be questioned by the bank. That's how self made businessmen own credit cards right? You just declare your income. Who can say you earn less esp if you report tax at that level?
Hi cactus_79,
I was thinking of applying for the Citibank Dividend Card bcos of the rebates. Think the applications required us to provide cpf statement. As my annual income for my full time job does not hit 30K, hence i cant provide them with cpf statement too...
or do u think i can still go ahead and apply and provide them with my cpf statement? i was wondering if they will check and finds that both document does not tally.
I was thinking of applying for the Citibank Dividend Card bcos of the rebates. Think the applications required us to provide cpf statement. As my annual income for my full time job does not hit 30K, hence i cant provide them with cpf statement too...
or do u think i can still go ahead and apply and provide them with my cpf statement? i was wondering if they will check and finds that both document does not tally.
They may check.... but how about if you say that you have regular job as well as own business? Then of course you need to provide details of that business (maybe use a friend's or relatives' business info)?
Hm ... another way is to get someone of higher income to give you his/her supplementary credit card?
Hm ... another way is to get someone of higher income to give you his/her supplementary credit card?
xiaobai_et
New Member
i prefer UOB ladies and Singtel, OCBC titanium and POSB everyday card...
canaryanne
New Member
it depends on card promotions at any given time.
example sign up clear card for free entry to california gym few years ago
now? it was not free anymore & no such promo
do your hoomewrk!
example sign up clear card for free entry to california gym few years ago
now? it was not free anymore & no such promo
do your hoomewrk!
lovelynails
New Member
use DBS black card. Each $5 entitles you 2 points instead of 1 pt if uses other cards.. Hence you can use the points to redeem cold storage vouchers etc..
Think tt time I check out, even everyday card, they will have not rebates for signing for banquets.. even if they do, the rebate is insignificant..
Think tt time I check out, even everyday card, they will have not rebates for signing for banquets.. even if they do, the rebate is insignificant..
www.qotion.com is good to compare
I personally prefer UOB lady's card, Citibank nt bad too. Read tis article for tips in choosing right credit card
http://www.myshopping.sg/shopping_tips_details.asp?id=26
http://www.myshopping.sg/shopping_tips_details.asp?id=26
augustprincess
New Member
i also prefer uob
for citibank, even if you have two cards, you have to split your bills
there was one occasion when i paid for the total amount of two cards but did not split the bill into the respective cards. in the end, one card is unpaid and the other overpaid
for citibank, even if you have two cards, you have to split your bills
there was one occasion when i paid for the total amount of two cards but did not split the bill into the respective cards. in the end, one card is unpaid and the other overpaid
cookieselmo
New Member
I prefer standard chartered
christine91
New Member
If i seldom use credit card, is it wise to sign up one?
azncutiegal
New Member
Hi all
Which Credit Cards give the best rebates / rewards interms of household applicances?
Thanks in advance
Which Credit Cards give the best rebates / rewards interms of household applicances?
Thanks in advance