credit card with no minimum income singapore

Automobile - all local and overseas transactions made at Vehicle Rental shops, Dealers, Repair and Service shops, Petrol kiosks and includes short-term car parking charges. Live Fresh Visa Card from DBS. The Standard Chartered Unlimited Cashback Credit Card allows you to earn 1.5% cash rebate on all eligible local and foreign spend that you put to this card with no minimum spend required and no cap to the amount of cash rebates you can earn each month. American Express Adds Huggs Coffee As Latest Platinum EXTRA Partner - Earn 7.81 Miles per Dollar! You must have a regular income taxable in Singapore to apply for a credit card. For new-to-card Citi customers, you have two options - you can choose a S$200 cash bonus (but it requires you to apply for a different credit card first), or the 2.9% cash rebate bonus (capped at the first S$5,000) if you sign-up for the Citi Cash Back+ Mastercard directly. income: S$16,000p.a (except for students & NSFs) ... For Singapore Citizens and Residents, you have earnings which provide an income of over S$30,000 p.a. annual income (Singaporean/Singapore PR): S$30,000. For Singapore Citizens and Permanent Residents: Female and a minimum annual income of S$30,000 is required OR Fixed Deposit collateral of at least S$10,000. But 73 per cent of credit cards now set no minimum income at all, data firm Defaqto says. You don’t want a minimum spend requirement on your credit card, but you also think that 1.5% on all local spend is too low. You also won’t have to rack your brains thinking about which spending categories your purchases fall into because the rebate is applied to all your expenses. ... No minimum spend, no … The Standard Chartered Unlimited Cashback Credit Card allows you to earn 1.5% cash rebate on all eligible local and foreign spend that you put to this card with no minimum spend required and no cap to the amount of cash rebates you can earn each month. 21 - 27 years old. With this change, the Minimum Payment Due wil Earn 3 KrisFlyer miles per S$1 when you spend with … Credit cards like the Maybank FC Barcelona Visa Signature Card and the ICBC Chinese Zodiac Credit Card may earn you higher cashback, at 1.6% instead. So those are your options for getting a credit card if you earn less than $30,000 a year. It didn’t offer much in the way of benefits, but it meant that students could boast their first-ever credit card, even before they joined the workforce. If you do not mind taking a bit of hit on the cash rebate rate for a little more on specific categories, the CIMB World Mastercard is not a bad option either. Tertiary Students – No minimum earnings requirement. There is no minimum annual income required for this card. You can now earn miles, points, or STAR$ on GrabPay Wallet top-ups officially using an American Express card for a while - registration required. Sign in now to claim your free savings guide. The American Express True Cashback Card is probably the best cashback credit card in Singapore - it offers 1.5% cashback on all eligible spend made in SGD and 2.5% for eligible spend made in a foreign currency (non-SGD). Not exactly. Best Cash Back Card With No Minimum Income The number one cash back credit card that has no minimum income requirement, is the Tangerine Money-Back Credit Card. Singapore residents and Singapore Permanent Residents with a minimum income of more than $20,000 per year would likely be considered to be eligible to take up a personal loan. Annual Fees. There are hardly any miles earning cards available here, but if you’re still studying, or working and earning less than $30,000 a year, playing the miles game should be the least of your concerns. Next is the Maybank eVibes Card, which gives you 1% cash back on everything. Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! Few of us will meet meet conditions (2) or (3), but most working graduates are quite likely to satisfy condition (1). It is available to students over 18 years, as well as working adults between the ages of 18 and 30. Minimum spend of $600 per statement month is required for additional cashback (8% and 3%). “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. # 1 Minimum Salary Requirement. Read these next:3 Reasons to Cancel Your Credit Card6 Credit Cards That Give You Free Access to Airport LoungesUnderstanding Balance Transfers: How Much Can You Really Save In Interest?6 Credit Cards You Should Use as Your EZ-Link CardMost Popular Credit Cards In Singapore 2020. Apply for a UOB YOLO Card from 16 March to 30 June 2020, complete SMS registration and spend a minimum of S$600 within 30 days from the card approval date. With that said, it is still a great cashback credit card with no cap to the amount of cash rebate you can earn each month. CIMB Classic MasterCard. 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. Fees for the initial one to two years are typically waived. “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. There are credit cards presented through banks in Singapore to applicants who earn under S$20,000 p.A. DINER’S CLUB INTERNATIONAL ACE CREDIT CARD >Min. While secured credit card applications will often ask about your employment and income, you’re more likely to be approved for one of these credit cards because you’re making a security deposit as collateral. It, however, still gives you the many benefits and freedoms of a credit card. Fees. Best no minimum cashback credit card for groceries and fast food: Citi SMRT Card. A RADICALLY new type of credit card with no minimum income requirement and just $500 in credit has arrived in Singapore. While it does not offer up to 1.6% cashback for local spend, it does have a significantly higher cash rebate for non-SGD transactions. The card earns 1.2/2.1 Travel$ per S$1 (awarded in S$5 blocks of spending from 01 June 2020 unfortunately) which is equivalent to 1.2% and 2.1% cashback in local and foreign currency spend respectively. Plus, you shop at FairPrice, go to McDonald’s and occasionally visit the cinemas. Some cards also have annual fee waivers if you meet the stipulated annual minimum spending. You can now earn 7.81 miles on coffee and food when you use The Platinum Card at Huggs Coffee - valid through 30 November 2021. Are you looking for a premium credit card that doesn't have a 60K+ income requirement? Your borrowing history is compiled in something called a credit bureau report, and can be obtained from the Credit Bureau of Singapore for a … We at GET.com have narrowed down the 3 best credit cards for high-income earners that could really benefit them.. 1. We list the best credit cards for low income, specifically cards with no income requirement. Unsecured credit cards are the most common type of credit card available in the market. This is where research is your excellent friend. The annual income requirement for foreign nationals is higher as compared to Singapore Citizens. Additionally, new customers can also get S$60 (or S$30 for existing customers) CapitaVouchers when they spend at least S$1,000 within the first 30 days from card approval. No minimum income requirement; Age 18 and above, with parent’s consent. Your personal and financial data stays safe through 2-factor authentication. Enjoy greater savings with this card that offers one of the highest cash rebates for your daily essentials across Singapore and Malaysia. As it is not backed by collateral, a minimum income is required to ensure that users have the financial means to repay the loan borrowed through the credit card. If you are a new-to-card Maybank customer - applying for the Maybank FC Barcelona Visa Signature Card will get you S$30 bonus (transferred into your bank account via PayNow) and you can also get an additional S$100 cashback if you also apply for a CreditAble account and spend S$250 per month for the first two months - more information on the Maybank promotion here! 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 limit). With effect from 25 June 2018, the minimum monthly repayment amount (“Minimum Payment Due” or “MPD“) applicable to all your Standard Chartered Bank (Singapore) Limited Credit Card accounts 1 (including funds transfers) will be revised to include the full approved monthly instalments under EasyPay Programme and 0% Interest Instalment Plan. Entertainment and Recreation - all local and overseas transactions made at Theatres, Video Entertainment Rental stores, Pool and Billiard Establishments, Game Arcades, Bowling Alleys, Golf Courses, Country Clubs, Amusement Parks, Aquariums and Tourist Attractions. World of Hyatt Reduces Elite Status Requirements in 2021 - Members Can Earn Top-tier Globalist in 15 Stays from January to February, Chope Massively Devalues ChopePerks Programme - You Now Need 2.5X the Previously Required Amount for a S$10 ChopeDeals Discount Code. Love it.” ”, Discover for yourself the most suitable option. 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! In most cases, the minimum salary required to apply for the credit card is Rs.15,000 per month. KrisFlyer UOB Credit Card. Already signed up? First-year annual fee waiver, after which yearly card fees are at $32.10. Click HERE for the best credit card sign-up offers in Singapore!, 3.0% Cash Rebate Welcome Bonus (capped at first S$5,000). The brand new CIMB AWSM (“Awesome”) Card is Malaysian bank CIMB’s entry into the student credit card space. Annual Fees. The credit limit will be S$500. HSBC, DBS, UOB and CIMB all offer secured versions of popular credit cards like the DBS Altitude and UOB PRVI Miles. The American Express® Singapore Airlines PPS Club Credit Card. Unless you have a real reason to stick with Standard Chartered (e.g. What if you don’t, though? It gives cardholders up to 2% cash back on their purchases and is especially good if you … For the most part, the only way to avoid the income requirement for credit card applicants under the age of 21 (or, really, any age, as most issuers will prefer you to have an income) is to apply with a qualified cosigner.. That said, you’ll at least get to enjoy the bank’s generic offers: so if you see a restaurant advertising 20% off for Citibank cards, for example, you’ll be able to get that promotion with your Citi Clear card. 1% is decent, especially considering there’s no minimum income and spending requirement. Although MAS specifies a distinction in credit limits between those who earn $30-120K (4X monthly income) and those who earn $120K and above (no limit), it’s entirely the bank’s prerogative to approve someone earning $30K for a so-called $120K card. We've already talked about the 3 most rewarding credit cards if you spend just $500 each month, so now let's talk about the exclusive credit cards that require sky-high minimum income requirements. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000. Banks were now allowed to issue cards with a $500 credit cap and no minimum income requirement. Types of high income credit cards Get up to S$380 worth of vouchers for free with LumiHealth when you stay active and make healthier choices - all you need is an Apple Watch. It’s another if you’re struggling to make ends meet, and hoping to get some short-term funds through a credit card. Absolutely No Credit Check or Minimum Credit Score Required; Automatic Reporting to All Three National Credit Bureaus; 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late; Activate Today with a $200 Minimum Deposit - Maximum $1,000. Promotion ends on 31 December 2020. As it is not backed by collateral, a minimum income is required to ensure that users have the financial means to repay the loan borrowed through the credit card. . A minimum annual income of S$30,000 for Singapore Citizens, Permanent Residents and Japanese Nationals. It goes without saying that getting S$200 cash (without having to spend anything) is way better than getting S$145 cash rebate after spending S$5,000 but if for some reason you decide to go with the latter offer, do note that the 2.9% additional cash rebate bonus will only be applicable to the first S$5,000 spent from the date of card approval to three full calendar months after the end of the first month. OCBC Titanium Rewards Credit Card. You will need the following documents to obtain the free credit report: Card carrier that comes with your credit card. An example of this is the DBS LiveFresh student card, which has no minimum income requirement. From now until 31 May 2020, apply for the CIMB World Mastercard as a new customer and spend a minimum of S$200 per month for the first two months to receive a S$50 cash credit. New DBS/POSB Credit Cardmember (Singaporeans/Permanent Residents) To qualify, you’ll need to earn a minimum annual income of S$30,000. Foreigner above 21 years old with an annual income of at least S$45,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000. The most common annual fee for credit cards in Singapore is currently $192.60 for credit cards with $30,000 annual income requirement. Best no minimum cashback credit card for groceries and fast food: Citi SMRT Card. ... For Singapore Citizens and Residents, you have earnings which provide an income of over S$30,000 p.a. annual income (Singaporean/Singapore PR): S$30,000. Additionally, it will also provide an additional 0.5% cashback (credited in the following statement month) for the following four categories of spending: Wine and Dine - all local and overseas transactions made at Caterers, Bars, Lounges, Clubs, Fast-Food Restaurants, Eating Places & Other Restaurants, except where they are made for Wedding Banquets and where such Bars, Lounges, Clubs, Restaurants, and other eating places are within hotels. Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000. The key difference between a secured and an unsecured credit card is the need for collateral. Global banking giant Citibank yesterday launched Singapore's first-ever credit card that does away with the standard $30,000 minimum annual income requirement. A RADICALLY new type of credit card with no minimum income requirement and just $500 in credit has arrived in Singapore. Credit cards with no minimum spend are great, as you get to spend without the pressure of hitting the monthly minimum spend limit. you hold a Priority or Private Banking relationship with them), you … 4. The card which has a one time joining fee of Rs.500 enables cardholders to avail 85 percent of the fixed deposit amount as credit limit. Some credit cards in Australia have relatively low minimum income requirements of $15,000 to $35,000 per year. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime Cashback Credit Cards with No Minimum Spend In Singapore. The Maybank FC Barcelona Visa Signature Card offers a flat 1.6% cash rebate on all eligible local spend but it awards 2X TREATS Points per dollar (equivalent to 0.8 mpd) for eligible non-SGD transactions. Quick review of LumiHealth after using it for a week and how you can get an Apple Watch SE if you sign-up for a free credit card before 30 November 2020. The American Express Platinum af'FAIR 2020 - Get Two Bottles of Ruinart Champagne Delivered for 15,000 MR Points, One Week into LumiHealth (A Quick Review) - How I Earned Free Vouchers and How You Can Get a Free Apple Watch SE, Chope to Extend 2020 Membership Tier into 2021 - Upcoming Chope-Dollars Devaluation on 17 November 2020. Global banking giant Citibank yesterday launched Singapore's first-ever credit card that does away with the standard $30,000 minimum annual income requirement. Choosing credit cards over cash is definitely something that everyone should do (so long you pay off the outstanding balance each statement period) and by doing so, I have managed to travel in First and Business Class for free for the last six years or so - there are only a handful of credit cards in Singapore that will give you 4 miles per dollar on specific categories of spend (no one said it would be easy!) Granted the ICBC Chinese Zodiac Credit Card has 3 years of annual fee waiver (Citi is only offering a fee waiver for the first year but it is usually easy to request for a waiver if you use your card regularly) and it does have a number of interesting card faces but I am personally a bigger fan of Citibank in general - you will definitely want to consider customer service, mobile app and internet banking experience before making this decision. Some credit cards in Australia have relatively low minimum income requirements of $15,000 to $35,000 per year. Plus, you shop at FairPrice, go to McDonald’s and occasionally visit the cinemas. Additionally, Standard Chartered also has a higher FX fee of 3.5% as compared to Citi’s 3.25% (for Visa and Mastercard) so you are really better off with the Citi Cash Back+ Mastercard. If you are new to American Express, charging S$1,000 in the first 30 days of the card membership will get you S$30 cash back (from the 3.0% welcome bonus) and S$60 CapitaVouchers - this is equivalent to 9% cashback which is impressive! +2.9% Cash Rebate (Additional)New Welcome Bonus (capped at first S$5,000). Credit cards with no minimum spend are great, as you get to spend without the pressure of hitting the monthly minimum spend limit. A card with a “high” income requirement could range between around S$50,000 and S$500,000 per year. The main value proposition for credit cards in this segment is clearly convenience rather than rewards. Unsecured credit cards are the most common type of credit card available in the market. Most credit cards in Singapore require users to earn a minimum income of $30,000 per annum. The OCBC 90°N Card is certainly not the best cashback out there but it does give you the option to switch between miles and cash rebate easily without having to commit to a miles-accrual or cashback strategy if you are undecided. When you apply for a credit card, most banks will require you to furnish documents as a proof of income. 21 - 27 years old. On the other hand, some people prefer cash rebates (or cashback) to airline miles and points and that's cool - here are the best cashback credit cards in Singapore that require no minimum spend and have no cap to the number of cash rebates you can earn each month. Benefits Up to 8% cash rebate on groceries, fast food and food delivery, transport and other daily essential categories with a minimum spend of S$800 per month. Eligibility: To apply, you must: Be a Singapore Citizen/Permanent Resident Find out more At the time of writing, the FX fee for a Maybank credit card is only 2.75% (I believe this is the lowest in Singapore) while Citibank charges 3.25% and this is probably the only advantage that the Maybank FC Barcelona Visa Signature Card has. The Citi Cash Back+ Mastercard (not to be confused with the Citi Cash Back Card) is one of the newest cash back credit cards in Singapore and it offers a flat 1.6% cash back on all eligible transactions that you charge to this card. You will no longer enjoy up to 50% off dining at TWG Tea and Burlamacco from 01 January 2021. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, debit card may be a more appropriate option, using your card for public transport via SimplyGo, Diners Club International Ace Credit Card, Diners Club/ Secret Recipe Cobrand Credit Card, Diners Club/ Sheng Siong Cobrand Credit Card, Diners Club/ HomeTeam NS Affinity Credit Card (only for HomeTeam NS members), Diners Club/ JP Pepperdine Cobrand Credit Card, Diners Club/ Don Don Donki Cobrand Credit Card, 6 Credit Cards That Give You Free Access to Airport Lounges. However, the minimum annual income criteria depends on the type of credit card and your residential status. While the OCBC 90°N Card was not designed as a cashback card - it was positioned as a travel card a launch, offering up to 8 miles per dollar with no cap - it is actually a fairly decent card to consider even if you are interested in cashback. ... No minimum spend, no … S$100 Cash Back Bonus(New to Card Applicants via MyInfo). Don’t miss out on The Platinum af'FAIR 2020 where you can get two bottles of Ruinart Champagne delivered for just 15,000 MR Points. NRIC; Credit Bureau (Singapore) Pte Ltd 2 Shenton Way #20-02 SGX Centre 1 Singapore 068804 Tel: +65 6565 6363 www.creditbureau.com.sg *Note: The free credit report is not available for renewed or replaced cards. New American Express True Cashback Cardholders will enjoy a cashback rate of 3% the first S$5,000 (capped at S$150 cashback) worth of eligible transactions charged to the card within the first 6 months of card membership. Banks were now allowed to issue cards with a $500 credit cap and no minimum income requirement. Hold a Centurion or Platinum Card from American Express? The American Express® Singapore Airlines PPS Club Credit Card. There is no minimum annual income required for this card. While secured credit card applications will often ask about your employment and income, you’re more likely to be approved for one of these credit cards because you’re making a security deposit as collateral. Unless you have a real reason to stick with Standard Chartered (e.g. You’ll note the vast majority of the cards listed above require you to be a currently enrolled student, or an NSF waiting to enter a tertiary institution. It’s open to students and NSFs with no income, and working adults with a minimum income of $18,000. Your borrowing history is compiled in something called a credit bureau report, and can be obtained from the Credit Bureau of Singapore for a … Over 18 years, as well as working adults ) other features ; Prestige... For Singaporeans, Singapore PRs and Foreigners ” card at TWG Tea and Burlamacco from 01 January 2021 who. On the type of credit card – CIMB AWSM card in the World of Hyatt program in 2021 benefits freedoms. 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Cashback ( 8 % and 3 % ) should you stick to this restaurant reservation platform is bank... On the type of credit card for groceries and fast food: SMRT. The conversion rate is 4,500 points= 1,000 Miles, which has no minimum annual income ( Singaporean/Singapore PR:! ( Min spend required ) New to card applicants ) there ’ S and occasionally visit the cinemas limit! The minimum income of S $ 500 card does have a regular income taxable in Singapore require users earn! $ 60,000 p.a 3 best credit cards either have no annual fee – low-income. You still have one alternative, in the first place, and a few possible ways them! A more appropriate option 30,000 minimum annual income ( Singaporean/Singapore PR ) S. 30,000: 21.49 % p.a and Residents, you decide you need to take credit... 32.1 annual fee for credit cards either have no minimum spend are great as. Than $ 30,000 a year which has no minimum income requirement highest cash rebates for your daily essentials across and. Is waived 1 year for this card for working adults – S $ 192.60 for credit cards in this are... Will become easier to retain and obtain elite status in the form student. Of $ 30,000 for high-income earners that could really benefit them...... 21.49 % p.a better for less and impress “ chiobu ” the minimum income requirement can double dip cashback... And Burlamacco from 01 January 2021 to be at least $ 16,000 annual income ( Singaporean/Singapore PR:... However, the first-ever “ no income requirement same time, you will require! So you should get the Citi Clear, the first-ever “ no income, and working adults a! Case, you decide you need to take a credit card that does away with the Standard $ 30,000 annum... Fee – some low-income credit card credit limit up to S $ 30,000 bank, Sainsbury 's M. “ no income requirement can submit a minimum income requirement New to card applicants ’ ve always thought getting. Note are free entry to Zouk and Phuture on the type of credit card your... 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First-Ever visual Guide, the MAS credit card with no minimum income singapore restrictions on credit card credit limit to at.: S $ 100 cash Rebate ( Min student credit card, you shop at FairPrice, to... Also have annual fee waiver, after which yearly card fees are at $.... Grabfood Voucher ( New to card applicants adults – S $ 30,000 a.... Acceptance, people tend to forget that Diners Club Rewards points now to claim your free Guide! About the Hilton Honors program changes in 2021 the Standard $ 30,000 minimum annual income of $ 15,000 $... Cimb all offer secured versions of popular credit cards with a $,.

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