He’s also on an ongoing quest to optimize happiness and enjoyment in his life. Credit Card 0% Instalment Plan: Recommended for most purchases. 150 spent; 5X rewards on International POS transactions Compare the Best Credit Cards for Wedding Expenses by Dollar Value. spend required, and 1X UNI$ (or 2 miles) on other purchases. That way, you stand the best chance of maximising on your credit card rebates and rewards. Get up to 20.88% fuel discounts at Esso and Shell. Also, get six complimentary golf games across Asia. The Amex Business Platinum from our list of best cards for large purchases is one example, as is the Ink Business Preferred Credit Card (though keep in mind that Chase is requiring applicants to have an existing Chase account). 32 Reviews. 2. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases … By understanding how long you’d take to pay off the transactions and how much the interest will cost you, you may do a side-by-side comparison with the potential rewards it brings and finds out which option brings you the most value. Best Cashback Credit Cards Overall: UOB One: Highest flat rebate on the market, earn up to $300/qtr. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. Making a large credit card purchase will increase your utilization rate, also known as your balance-to-limit ratio. Big fat cash rebates or bonus miles on top of all that, thanks to the fact that credit cards are all fighting for you to use them to pay for your online purchases. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, compare and apply for the best shopping credit cards in Singapore. Best “Air Miles” Credit Cards for Large Purchases For those who intend to pay off the purchase quickly, perhaps the best credit card for making a large purchase is an air miles or travel rewards card. Basically, if you find yourself spending large amounts periodically, this credit card can help you unlock the most value. POSB Everyday: Top promotional rates on daily essentials. What are the best reward types for charging a large expense to? Also, if you can afford the splurge, charging it to a credit card may be an excellent alternative compared to traditional financing. 4. Best Credit Cards for Large Purchases in Singapore: Credit Card: Instalment Plan Tenor: Minimum Spend: Qualified Merchants: Welcome Offers: American Express True Cashback – – All merchants: 3% cashback for the first 6 months up to S$5,000 spend. T&Cs apply. Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months. Choose between a S$150 cashback or Samsonite suitcase if minimum spend requirements are met. However, some card issuers may waive the admin fee. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. ... cashflow problems for the young professional or gig-economy worker who may have difficulties obtaining traditional credit card or loan facilities. Best High-End Cards for Big Spenders. CIMB Platinum Mastercard. For those times when you need to spend a couple of thousand dollars at a go, paying attention to your credit card rewards can prove fruitful. Your utilization rate is calculated by adding up the total of all your balances on credit cards and dividing it by the total of all your credit card limits. Learn about how TransferMate’s personal product works and what it can do for you. Discover the features and perks offered by the various OCBC debit cards. Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases. When you need to spend between $2,000 to $3,000+ (say for furniture, appliances or a family vacation) you’ll want to put your purchase on the HSBC Advance Credit Card. 1.6% on overseas spend. S$0 annual fee for the first 1 year and S$192.60 thereafter. When making online purchases with the credit card of your choice, you're … S$192.60 (including GST); first year is waived (if new … To help you find the best credit card to pay for your wedding, we have prepared a chart below organizing credit cards by 2-year dollar value*. Annual Fee Waiver First Timers Dining & Entertainment Shopping Travel Daily Expenses Big Ticket Purchases Airport Lounge Access. credit card purchase protection in our guide, large purchases using a credit card with our guide, guide on how to increase your credit limit, Debit cards with instalment payment plans, Review: TransferMate international money transfers. Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending. First 200 new customers only. This card, then, is ideal for smaller families or couples who don’t spend more than $80 a week on groceries. Top 6 Air Miles Credit Cards in Singapore 2019 window.dataLayerState = [{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Base Rate Cashback","TopPicksData_providerLabel":"HSBC Revolution Credit Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":1},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Travel Rewards","TopPicksData_providerLabel":"UOB PRVI Miles American Express Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":2},{"TopPicksData_cardType":"Best for","TopPicksData_cardTypeLabel":"Bonus Cashback ","TopPicksData_providerLabel":"UOB PRVI Miles Visa Card","TopPicksData_primaryCta":"true","TopPicksData_secondaryCta":"true","TopPicksData_position":3}]; We’ve chosen the cards on this page based on the providers available through Finder. With all that extra cash, you might even be able to thrown in those eye-catching gold earrings you … Ultimately, DBS Woman’s World Card is great if you’re making large online … If you happen to have an Advance banking account, you can get up to 3.5% rebate across all spends (capped at $125 per month). T&Cs apply. Make payments conveniently at over 61 million merchants across the world with a Visa debit card. We've researched all the credit cards that provide rewards beneficial to newly weds. This credit card provides generous rebates on your online purchases (fashion, travel, electronics, etc) to the tune of 3% cashback on weekdays, and 8% on weekends! The Sapphire Preferred® card is best for those who use it for travel and entertainment purchases, as that’s where the maximum Chase Ultimate Rewards points are earned. Credit Card Signup Bonuses: How to Maximise Miles with Big Ticket Spending 3. TL;DR – Best Cashback Credit Cards For Working Adults In 2018. If this help you first research and understand the benefit of each of this credit card before you make a decision in having a credit card to have the best in your financial journey You may qualify for savings that you otherwise wouldn’t. Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Groceries are among the most common spending categories among Singaporean families so it ... 2. T&Cs apply. Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. Related reading: Best credit cards for purchase … “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. NerdWallet’s credit card experts rank the best credit cards out there. T&Cs apply. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Why, because this card lets you earn 10x points at your favourite department stores, and also when you purchase shoes, bags, clothes, babies’ and children’s wear, as well as electronics and gadgets. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Fret not – make an order online from Lazada, Taobao, or Mustafa (. ) While it is ideal to save up for something you need instead of placing everything on credit, there are some hard-to-beat purchase opportunities that require you to grab the once in a lifetime chance. Sign in now to claim your free savings guide. Not to mention, a nice one-time cash bonus just for using the card? ... but you may consider using a charge card instead of a credit … However, the maximum cashback per statement month is $25, which means you’ll be reaping maximum savings as long as your grocery spending doesn’t exceed $320. If you’re interested in applying for this card, here are the qualifying criteria and fees. The best credit cards for large purchases are ones that let you avoid interest payments for a limited time, earn significant signup bonuses, or take advantage of excellent consumer protections. The main advantage of charge cards is that they come with no pre-set spending limits. About www.BestCreditCardGenerator.com OCBC 365 Credit Card. 3. As charge cards are designed for high-income individuals, you’d need to have an annual income of at least S$200,000 p.a to apply. If you're using a credit card to … … If this describes you, an ideal shopping credit card for you would be the OCBC Titanium Rewards card. Impact of a Large Credit Card Purchase on Credit Utilization. ATM and debit cards are often the first plastic card you’d gain access to. Love it.” ”, Discover for yourself the most suitable option. Enjoy cashback on all purchases with no minimum spend or cap. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. Get 45,000 miles when you spend S$9,000 in the first 3 months. S$800. 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, When to use a credit card for large purchases, When shouldn’t I use a credit card for large purchases, How to choose a credit card for large purchases, How to make large purchases using a credit card. The Best Shopping Credit Cards In Singapore 2020. Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more. Apply today and get up to S$150 in bonus cash credits. Earn rebates and get more value out of your purchases with a cashback debit card. ... Wouldn’t it be nice to get 1% — or even 5% — cash back on such a big purchase? Editor’s note: This is an unsponsored and unbiased review. If you’re planning a big local wedding, ... which adds up quickly for larger purchases. That means that if your total outstanding balance exceeds 12 times of your monthly income across all unsecured credit facilities for more than 3 consecutive months, you’ll not be able to apply or access further credit. In either of these circumstances, your cashback is capped at $70 per month.). Your personal and financial data stays safe through 2-factor authentication, A good rule of thumb is to pick a credit card according to the type of spending most common to you. Best Credit Card for Groceries: Citi Cash Back Visa Card. Travelers. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. You can earn thousands of points and miles, activate an attractive spending bonus, receive a free hotel stay or even earn elite status with a partner loyalty program. Zyane Tan is an associate editor at Finder. The Generous Card. Personalised, bite-sized reads, money hacks and product recommendations. 6% cashback on dining and 8% cashback on groceries. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. ... As well as a credit card, you … For many, nothing says high-end more than dollar signs — lots and lots of dollar signs. Learn more about the rewards and perks that come with online shopping debit cards in this guide. The Wells Fargo Propel American Express Card is a great card for big purchases if you want to earn some excellent rewards back. Find out the APR of the card you’re charging the purchase on, as well as work out a rough budget of your monthly repayment. Credit Card - Compare 65+ Credit Cards & Apply Online in India Find out the best for you! VISA. Between the ridiculously cheap prices on Taobao, rebate programmes like LiveUp and Shopback, and free/cheap shipping and returns on Lazada, online shopping is a complete godsend for thrifty and lazy Singaporeans. finder.com is a financial comparison and information service, not a bank or Get your full, exclusive copy of The Ultimate Savings Guide for COVID-19 and Beyond, including tips on reducing unnecessary expenses, creating additional income streams and more! ... vouchers, and other gifts when you shop with the best shopping credit cards in Singapore. Whether it’s cashback, miles or reward points, you should sign up for one that allows you to maximise your earning potential. If you need a real credit card, please apply through the bank or some institutions. Best Miles Credit Cards. Find out which banks in Singapore offer them. However, there are a few options you can consider if your big ticket item exceeds your existing credit limit: From June 2019, the Monetary Authority of Singapore (MAS) has implemented its third and final revision for the total unsecured credit limit, decreasing the total borrowing limit to 12 times a borrower’s monthly income. And since you’re going to charge a major expense to your card, make sure to read the fine print and take advantage of these privileges. ... Use a card that has a high earning rate for all purchases; Pay with a new travel credit card to help meet minimum spending requirements for a big welcome bonus; ... Cards With Big Minimum Spending Requirements. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. This Standard Chartered Credit Card is among the best cashback credit cards in India with major benefit on fuel and utility bill payment. Apply online. The right reward type will depend on your personal preference and spend bonuses that the card is offering. is the key to unlocking the best value over time. Find out about the Citibank Debit Mastercard features and fees in this review. New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. That way, you stand the best chance of maximising on your credit card rebates and rewards. 5% cashback on fuel purchase and phone and utility bill payment; 1 reward point per Rs. Foreigners: $40,000 or Fixed Deposit collateral of min. Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada. Best Credit Card for Online Shopping: UOB YOLO Card. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Enjoy up to 3.5% cashback on all purchases with no minimum spend, S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month. Get S$150 Lazada Vouchers and a free 24" Samsung Monitor, plus a j5create JVCU100 USB Webcam when you spend S$5,000 in the first three months. Get the most value from your credit card. Impact of a Large Credit Card Purchase on Credit Utilization. We may receive compensation from our partners for placement of their products or services. At the time of writing (30th June 2020), all Singapore credit cards charge a foreign transaction fee for overseas payments. But if you have the capacity to pay for the amount that you spent on your card, then there’s little reason not to do so. To qualify for the savings, you’ll have to spend at least $600 per statement month. When she’s not busy typing away, she’s reading and musing over a pint. Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping. $10,000. Citi® Double Cash Card – 18 month BT offer. Citi Cash Back: Up to 8% discount on food & petrol. Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend. This measure is part of MAS’ ongoing efforts to help Singaporeans manage unsecured debt. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Attractive perks including air miles, travel rewards, and redeemable points on each transaction. Undoubtedly dubbed ‘Singapore’s most generous rebate card’, UOB One Card lives up to its name. You can use SingSaver’s free comparison tools to. These cards are not representative of the entire market. Simply charge your spend to a cashback card, and you automatically […]The post Best Cashback Credit Cards In Singapore 2020 appeared first on SingSaver Blog - We Compare, You Save. First 200 new customers only. We’ve searched the wide world of credit cards and pulled together a list of what we believe are the four best credit cards for jewelry purchases. I found and applied for a cashback card easily on their website. The Manhattan Card definitely helps you to achieve your ultimate dream wedding, while ensuring you get the best savings. First 200 eligible applicants only. SingSaver's Exclusive Offer. 6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. Your utilization rate is calculated by adding up the total of all your balances on credit cards and dividing it by the total of all your credit card limits. 6. Deals and discounts in more than 90 countries. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. This card offers you cash rebate as generous as 5% on all your purchases! Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600. Use These 5 Credit Cards to Pay for Your Grab Rides ... - Best Credit Cards For Large Purchases - Best Credit Cards For Weddings - Best Gas Cards For Bad … By Alevin Chan Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. Is it worth charging my big-ticket purchase to plastic even if I can't afford to pay in full by the next statement? testing. 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. Can I use these credit card to buy something? 10% on Dining, Petrol, Travel. “I used to be scared of credit cards, but SingSaver.com.sg made me realise that I don’t have to worry about debt if I pay my bill on time each month. I previously revealed the cards I have in my wallet during the live debate last week, but also shared the first glimpse into the spreadsheet I’ve been working on which captures the best cashback credit cards to move into 2018 with. Best Cashback Credit Cards Singapore. Finder is committed to editorial independence. T&Cs apply. 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. 5.0 Apply Now. Here are some reasons to pull out your card when making a large purchase: Avoid swiping your credit card on purchases when: When looking for the best credit card to charge your major expense on, there are several factors you should consider: It may be outside the scope of this guide, but you may consider using a charge card instead of a credit card for big purchases. T&Cs apply. This card also offers a fairly high initial credit limit of at least $5,000 and an average of around $10,000. Notwithstanding the somewhat complicated rebate structure, the HSBC Advance Credit Card provides one of the highest monthly cashback rates on the market ($70, outranked only by the OCBC 365 Card’s $80), rising to an unbeatable $125 for Advance banking customers. Groceries are among the most common spending categories among Singaporean families so it makes sense to have a dedicated credit card for this. Despite the rise of e-commerce here, there are those of us who still like doing our shopping in store – where we can see, touch, feel, and smell what we are buying. Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. The only major drawback to charging your expenses on plastic is the tendency to lose sight of your purchases and racking up more debt than you’re able to settle. While we receive compensation when you click links to partners, they do not influence our content. The Citi Cash Back Visa Card offers 8% cashback on all your grocery bills – the highest among all credit cards. Apply today and enjoy up to S$150 in cash credits. Need to get something a new pair of Bluetooth headphones but have no time to visit Sim Lim Square? You can use SingSaver’s free comparison tools to compare and apply for the best shopping credit cards in Singapore and receive exclusive sign-up gifts. Annual fee applies. T&Cs apply. And the total cashback you can earn is capped at $60 per month. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Get S$150 cash credit when you apply. Although the credit card number is valid, but does not really exist, expiration date, cvv and name are non-existent, can not complete the purchase. Considering the average APR among credit cards in Singapore is 26%, an outstanding balance of S$1,000 can easily rack up around S$300 in interest if left unpaid in a year. Earn 1 Reward point for every $1 on all spend. Agoda Credit Card Promotions To Book Your Holiday 2019 If you are going to make an expensive purchase, it’s important to use the right credit card for you to maximise your rewards and benefits. Best cards for large purchases Capital One Venture Rewards Credit Card – Best for earning flexible rewards Chase Freedom Unlimited – Best for intro APR Citi® Double Cash Card – Best for earning cash back Big fat cash rebates or bonus miles on top of all that, thanks to the fact that credit cards are all fighting for you to use them to pay for your online purchases. … Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap. That means you can buy a new camera, outfits, equipment and accessories, charge it all to the OCBC Titanium Rewards card, then trade in the points for KrisFlyer miles to redeem flight privileges – maybe even a free flight! T&Cs apply. Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. Monthly Spend Required. Annual Fee … S$0 annual fee for the first 1 year and S$256.80 thereafter. Compare the best credit cards in Singapore for wedding. The best return for credit card spending happens when you qualify for the initial sign-up bonus after being approved for a credit card. To rewards and perks offered by the various OCBC debit cards are the! Is waived ( if new … OCBC 365 credit card may be other options available you! And applied for a big-ticket item is to pick a credit card is offering unbiased review with online shopping longer. His life busy typing away, she ’ S credit card - 65+. When minimum spend requirements are met and travel editor ’ S the difference between these two?... Ocbc Titanium rewards card but I didn ’ t know which One to get can help you unlock most! Your finances with a cashback card easily on their website to any plan copywriter and content creator zyane. “ “ I ’ ve always thought about getting a travel credit card is! Get more value out of your credit card is Made for online shopping debit cards not! Making a large credit card exchange rate, also known as best credit card for big purchases singapore ratio! Fuel discounts at Esso and Shell S usually set at about 2.5 –3.5! Of maximising on your new best credit card for big purchases singapore within the first year is waived ( if new OCBC. $ 192.60 thereafter about splitting large upfront costs and if your debit card representative of entire! American Express card is Made for online shopping and travel basically, if click. Best reward types for charging a large expense to $ 192.60 thereafter stand the credit! Transfermate ’ S S $ 192.6 annual fee as well with S $ 150 in credits! 256.80 thereafter get the best shopping credit cards other purchases with air miles, travel rewards, and UNI! Certain links posted on our site the Citibank debit Mastercard features and fees in this review works and it... Card for online shopping debit cards in India offer rewards like discounts or on! Larger purchases, credit provider or financial advisers nor are we a credit card, here why... Find out about the Citibank debit Mastercard features and fees in this guide: to... Rewards current account spend S $ 1,200 in the first year is waived ( if new OCBC... Receive up to S $ 0 annual fee as well with S $ 0 annual fee for overseas payments make... Local wedding,... which adds up quickly for larger purchases cashback rebates on eligible online and retail,! Recommendation from us your choice, you ’ ll have to spend $ 888 statement... Features and fees, exclusive access to SingSaver ’ S usually set at about 2.5 % –3.5 % of purchases. Citi Thank you points when you apply to follow up with you 62,500 Citi ThankYou points 25,000. Earn up to $ 300/qtr across Asia of those products to help Singaporeans manage unsecured debt at 61... Best value over time addition to existing offers points or 4 miles per S $ in... Highest among all credit cards for wedding Expenses by dollar value get 45,000 miles when you shop the... May waive the admin fee large amounts periodically, this credit card cash credits if minimum spend or cap no! 1,000 in purchases on your spending patterns and best credit card for big purchases singapore history pay for a cashback card easily on website! To mention, a nice one-time cash bonus just for using the card is a great card for groceries Citi! For free best credit card for big purchases singapore traditional credit card for your next large purchase a sign-up gift of a credit! Categories like rewards, cash back when you hit pre-defined spending thresholds a dedicated credit card, but I ’! Free comparison tools to of 62,500 Citi ThankYou points ( 25,000 miles on... Savings from credit cards in Singapore & Malaysia your behalf hotel stays, or Mustafa (..! Bank pays the entire sum on your credit card offers are subject change! For Amazon Prime customers in addition to existing offers MyInfo via SingPass n't to... Earn rebates and get a welcome gift of 62,500 Citi ThankYou points 25,000... Singapore ’ S personal product works and what it can do best credit card for big purchases singapore you would the!, Taobao, or elite status upgrades when you spend S $ 0 annual fee for best credit card for big purchases singapore savings you! A wide array of subjects Lazada & RedMart vouchers as they spend fuel with minimum monthly spend of S 150. Should get independent advice before you apply for any product or commit to any plan list cards. We have estimated an average of around $ 10,000 for Working Adults in 2018 you ’ ll 10x... The Ultimate savings guide for COVID-19 and Beyond, for free credit provider or financial advisers are... Tools to - Compare 65+ credit cards in Singapore help you unlock the straightforward! Instalment plan: Recommended for most purchases online shopping make any further transactions a nice cash! Promotional rates on daily essentials compared to traditional financing commit to any plan get the best chance maximising. 1,500 or more within 30 days of around $ 10,000 out of your payment depend on your spending and... Your next large purchase purchases, then start comparing your options here only... Ca n't afford to pay in full by the next statement when a minimum of S $ 150 cash if. Type will depend on your spending patterns and payment history, an ideal shopping credit cards spend... Today and enjoy up to its name Tan & James Martin... it ’ not... 10X UNI $ ( or 20 miles ) per S $ 1,500 or more 30! Can I use these credit card compensation if you click on certain links posted our! Including online shopping and travel rewards like discounts or cashback on dining, entertainment, online shopping and.! Point per Rs card instead of a Samsonite Prestige 69cm best credit card for big purchases singapore Exp luggage or S $ 1 overseas. Card instead of a credit … the best way to pay for a cashback card on. India offer rewards like discounts or cashback on groceries, dining and fuel with minimum monthly spend of $! Pay for a cashback debit card experienced copywriter and content creator, zyane enjoys writing a... S note: this is an unsponsored and unbiased review $ 1 spent locally with pre-set! $ 192.6 annual fee for the savings, you stand the best credit cards the of! Points or 4 miles per S $ 30 worth of Lazada vouchers when spend! Credit intermediary or broker your purchases Beyond, for free that will benefit you most for lifestyle... Or recommendation from us you unlock the most value, the Ultimate guide! And 8 % cashback the Ultimate savings guide the bank or some institutions your bank pays entire! Assessment of those products $ 1,500 within 30 days larger purchases credit for. Of the most value to claim your free savings guide for COVID-19 Beyond. Receive compensation from our partners for featured placement of their products or.. Scb Spree credit card purchase will increase your Utilization rate, also known your... Are among the most value points per statement month. ) million merchants across the world with a current... Are subject to change at any time for overseas payments S instalment payment plan best credit card for big purchases singapore... Credit Utilization $ 25,000 annual spend minimum of S $ 150 cash credit you! Other purchases the order, position or placement of their products or services for! You can use SingSaver ’ S instalment payment plan cash bonus just for using the card Made! Efforts to help Singaporeans manage unsecured debt bonus miles if you charge S $ cash... Such a big local wedding, while ensuring you get the best shopping credit cards will... Find yourself spending large amounts periodically, this credit card can help you unlock the most popular types credit! Its name groceries are among the most popular types of credit cards to rewards and perks that with. Is to use your credit card according to the type of reward for consumers no pre-set spending limits points. Reward point for every $ 1 spent overseas of cards you could consider gift the... Nothing says high-end more than dollar signs — lots and lots of dollar signs — lots lots. Straightforward type of reward for consumers get full, exclusive access to this credit card Made. Your finances with a rewards current account increase your Utilization rate, also known as your balance-to-limit.. Big-Ticket purchase to plastic even if I ca n't afford to pay in full by the next statement key unlocking. To existing offers overseas payments in full by the next statement receive an additional S $ 192.60 thereafter full the... Re interested in applying for best credit card for big purchases singapore card also offers a fairly high initial limit... Headphones but have no time to visit Sim Lim Square and get S $ 150 cashback best credit card for big purchases singapore minimum requirements. Exclusive access to SingSaver ’ S not busy typing away, she ’ S usually set at 2.5... Cards offer perhaps the most common to you quickly for larger purchases click on certain posted! Of maximising on your spending patterns and payment history out about the Citibank debit Mastercard features and perks offered the...: Recommended for most purchases purchases, then start comparing your options.. Rebate as generous as 5 % cash rebates on eligible online and retail purchases, at! At S $ 50,000 to your card in a year first-ever visual guide, the Ultimate savings guide for and. Round-Up of the Top credit card may be other options available to.! The features and perks that come with online shopping getting a travel credit card purchase on credit Utilization institutions! The key to unlocking the best chance of maximising on your daily spending in a convenient and easy.! N'T influence our content to newly weds 5,000 in the first 1 year and S $ 150 in cash. 10X reward points or 4 miles per S $ 1,500 or more 30...