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 … But what’s the difference between these two cards? Find the perfect gift The minimum income for getting a credit card varies but can be as low as $15,000 per year. Why should I consider a credit card if there aren't any rewards? We may receive compensation from our partners for placement of their products or services. S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter. 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. What are the qualifying criteria for a credit card? Even better, spending S$50,000/year earns a fee waiver as well as 20,000 bonus miles (worth about S$200). Enjoy up to 3.33% cash rebates on local and foreign currency spend. Earn up to 5X rewards points for every S$1 spent for eligible dining transactions, with no minimum spend required. Annual fee applies. The credit cards have 0% interest. HDFC Bank's MoneyBack Credit Card is another good credit card option; it offers good rewards for online transactions. Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. If you're an affluent traveller looking to rapidly accrue miles, consider the cards below. The credit limit of a secured credit card is typically the same as the amount for the fixed deposit. Why are some income requirements so much higher than others? Earn 1X TREATS Points for every dollar spent. Best low-income credit cards for people earning below Rs.25,000. You could use the credit card to build up a healthy credit rating if you pay off your debt each statement period. In some cases, it may be possible. Minimum S$1,500 spend within 30 days. We’ve selected the best cards on the market for business travellers in terms of comfort & convenience, high overseas rewards rates, and a few added benefits (like rewards for banking). These cards are issued at lower or no minimum income limit and carry limitations such as lower credit limits to mitigate the risk of default. There are also ways to avoid this minimum figure if, for example, you have high net financial assets. Learn how to invest in Airbnb in Singapore. ... Visa Credit or Debit Card outside of FairPrice (in-store & online), Warehouse Club and Unity. 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. We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. S$0 annual fee for the first 2 years and S$80 thereafter. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. 5% cashback for petrol, plus earn rewards points and exchange them for car servicing vouchers, vehicle merchandise and more. Just keep in mind that your income is only one factor that’s taken into account during the application process. If you’re an international student in Singapore, having a local bank account can help you manage your finances with ease. Apply today and enjoy free transfers to Changi Airport. except for students and senior citizens who are eligible only for exclusive credit cards designed for them. Credit card issuers aren’t just trying to snoop — the truth is they’re legally obligated to ask for your income, according to the Credit CARD Act of 2009. For affluent consumers with a budget of at least S$6,000/month, If capped cashback cards are keeping you from your full earning potential, consider, If you’re an especially high spender with a mostly local budget, look no further than. Our partners cannot pay us to guarantee favorable reviews of their products or services. To make things easier, our research team closely analysed 100+ credit cards in Singapore to identify the best unlimited and high-cap cashback cards, as well as miles-earning cards with the most exclusive perks. Otherwise, get 10,000 bonus miles when you pay the annual … Another is Bank of China's F1RST Card… First 200 eligible applicants only. As such, it's easy to switch between miles and cashback depending on preference or needs. Another SC Visa Infinite Card benefit is access to top-notch travel perks. This kind of offer is unparalleled by any other miles-earning card on the market. Up to 5% cashback on online and contactless spend (including SimplyGo rides), Get S$150 cashback with no minimum spend of S$800 when you sign up online by, Shopping, travel and lifestyle offers at over 3,000 outlets in Asia. In Singapore, foreigners require a higher income than local Singaporeans to apply for a credit card, generally in the range of S$40,000 to S$45,000 against S$30,000 for locals. Rewards. New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Plus, free travel cover. If you can’t find minimum income requirements for a particular card, you can try getting in touch with the issuer to ask about your eligibility. Apply today and receive up to S$80 cashback and a bonus 5% cashback. Principal Annual Fee: S$0 annual fee for entire membership - S$0 thereafter. When you apply for a credit card, the issuing bank will take into account the following factors when determining your credit … Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). T&Cs apply. Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Thus, credit card sign-up promotions also weighed in as one of the most important criteria when picking up the top credit cards. Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel. One … At the lower end you have the entry-level segment, where the required incomes range between $30-50K per annum. Ts&Cs apply, Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery, Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases. Ultimately, OCBC Voyage Card provides affluent travellers with great flexibility both in earning and redeeming miles, plus access to top-notch perks. Business credit cards regularly offer much larger signup bonuses than consumer credit cards, though they also come with appropriately large spending requirements. Here are 8 best credit cards for low salaried individuals. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. In the meantime, cardholders also enjoy discounted lounge access and a 10,000 annual Travel$ bonus (worth S$100 or 10k miles). In addition, new cardmembers receive 35,000 welcome miles (worth S$350) which further offset cost. Cardholders pay a S$535 annual fee, and they also receive 25,000 miles as a welcome gift or the option of a tablet bundled with $498. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more. Advantages and disadvantages of a credit card. What should I consider when comparing for a low income credit card? Up to 5% savings on groceries, fast food, movies, and coffee. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional Acer Monitor KA242Y (valued at S$349) if you are new to American Express. Plus, complimentary travel medical insurance. Age, income and residential status of the applicant form the basic eligibility requirement for Credit Cards. When you apply for some of our handpicked cards, you can receive … Up to 24.2% petrol savings at Caltex stations. This means if you pledge a $10,000 fixed deposit for the credit card, the credit … finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. New Citibank customers can get S$250 Lazada & RedMart vouchers as they spend. Annual Fees: $32.10 including GST (waived for the first year) Finance Charges: Effective Interest Rate (“EIR”): 26.9% per annum (minimum). Make payments conveniently at over 61 million merchants across the world with a Visa debit card. Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000. Optional, only if you want us to follow up with you. Cardholders are given a free yacht hire, 6 airport lounge visits per year, free travel insurance, Hertz Asia privileges, regional golfing privileges and more. T&Cs apply. In general you have to be at least 21 years old, and have a minimum annual income … Find the latest information on which deposit accounts offer the highest interest rates and strongest promotional offers in Singapore. Ultimately, this is the best card for very wealthy local spenders looking to maximise cashback. Ultimately, SC Visa Infinite Card is the best option on the market for business travellers with high overseas spend, especially for those seeking rewards for banking activity. We may also receive compensation if you click on certain links posted on our site. Get S$150 cash credit when you apply. Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas. 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Existing cardholders will receive S$20 worth of GrabFood voucher, Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo, Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend, 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend, 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports, 8 free limo transfers & free travel insurance, For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020, 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas, Points can also be redeemed as cashback or travel credits, 2 free lounge visits & free travel insurance, Hertz Asia rental car & exclusive hotel privileges, Discounted green fees at golf clubs in SE Asia, S$30 cash via PayNow (existing customers), Existing cardholders will receive $30 cash via PayNow, Approved cardholders must activate the card and make at least 1 transaction (min S$80) within the first 30 days of card approval, Get S$160 cash with S$500 spend on eligible purchases within the first 30 days of card approval, Free travel insurance & Amex Selects Privileges, Receive S$30 cash via PayNow (through our partnership w/ SGSaver), Annual fee: S$120.0, waived with S$10,000 annual spend, 2 Pts (0.8 miles) per S$1 on foreign currency transactions, Up to 10% discount at FC Barcelona official stores, Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas), Unlimited 1.5% cashback on all other spend, 50% off green fees at select fairways in Asia, Free travel insurance, access to MasterCard Airport Experiences, Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver), Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100), Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas, Cashback Option: 1.2% rebate locally, 2.1% overseas, No conversion fees & rewards never expire, Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers, Annual fee: S$192.6, waived for Advance banking customers, Up to 3.5% flat rebate for Advance customers (2.5% for others), Up to 16% fuel savings with Caltex, 14% with Shell, 1.3 miles per S$1 local spend, 2 miles overseas, 25,000 annual renewal miles (worth S$250), Unlimited lounge access, travel insurance, free hotel nights & more, Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners, Dining Perks: Love Dining, Amex Selects & Chillax programme, Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees, 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas, Unlimited lounge access, free limo transfers, golfing privileges, Free travel insurance & global concierge service, Unlimited 2% cashback on all travel expenses & overseas spend, Free travel insurance, 3x lounge access, discounted limo transfers, Complimentary green fees at 108 fairways across 16 countries, Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend, 10 pts (4 miles) per S$1 spend with select dining & retail merchants, 2 complimentary green fees/month at 120 fairways worldwide, Free travel insurance, lounge access & global concierge, Annual fee: S$650 (S$488 for HSBC Premier customers), 1st Year: 1 mile per S$1 local spend, 2 miles overseas, Thereafter: 1.25 miles per S$1 local spend, 2.25 miles overseas (with S$50k annual spend), Unltd lounge, travel insurance, golfing privileges, & free limo transfers, Expedited immigration clearance (1x/S$2,000 spend, up to 24x/year), 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend), Tax payments are eligible for rewards points, Free travel insurance, 6x lounge access, 1 free 4hr yacht hire, Hertz Asia Privileges, Golfing/Dining/Hotel Privileges, Best Credit Cards for High Income Earners 2021. T&Cs apply. While OCBC Voyage Card has a rather high S$488 fee, it also comes with a variety of luxury travel privileges that make up for this cost. Is there such a thing as a credit card with no minimum income? This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Overall, affluent individuals interested in unlimited rewards–with the flexibility to change redemption type–should definitely consider OCBC 90°N Card. S$0 annual fee for the first 3 years and S$160.50 thereafter, Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card, Apply today and receive up to S$80 cashback and 5% bonus cashback. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. Eligibility criteria, terms and conditions, fees and charges apply. I have a good medical benefit when I retire … Monthly expenses. One has already been mentioned: the Manhattan $500 Card. Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost. Enjoy cashback on all purchases with no minimum spend or cap. S$0 annual fee for the first 1 year and S$256.80 thereafter. For foreigners, though the minimum income eligibility is generally S$40,000 p.a, some banks may ask for an income as high as S$60,000 p.a. Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met. Please note that additional time may be needed to review your application as Credit Bureau Singapore … However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges. For high spenders, cashback caps can prove very limiting. Minimum income requirements are the lowest amount of money you need to earn before tax per year to apply for a credit card. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. 6% cashback on dining and 8% cashback on groceries. Beyond these benefits, consumers can also enjoy a few perks like free travel insurance and airport transfers. The Monetary Authority of Singapore mandates that credit cards should be backed by an annual income of at least $30,000. Earn up to 4 miles per S$1 spend, with no expiry, Get up to 48,000 miles or up to S$200 cashback when you sign up by, Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases, S$0 annual fee for the first 1 year and S$160.50 thereafter, Get S$150 cashback with minimum spend of S$800 when you apply online by. The most common aspirational credit card for young adults is a Visa Infinite branded one - these cards generally require an annual income of at least S$120,000. Currently, the minimum amount of fixed deposit required for secured credit cards in Singapore is $10,000. S$0 annual fee for the first 3 years and S$180 thereafter, Chance to win a trip for 2 to watch FC Barcelona every season, Complimentary access to selected VIP airport lounges. However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Up to 10X rewards points for every S$1 spent in foreign currency on. While the law doesn’t indicate a specific income … A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). Ends. The $30K minimum income requirement is a regulatory requirement, but there is an exception for one low credit limit card. Our site may not feature every company or financial product available on the market. Sally has a first-class Honours degree in Communications and Media Studies (majoring in Journalism and Professional Writing) from the University of Wollongong. T&Cs apply. Other factors that affect your credit card application, apply for a credit card that best suits your individual needs, alternatives for applicants with a bad credit rating, Compare credit cards with low income requirements, Compare credit cards which charge no annual fee, How to buy stock in Airbnb (ABNB) in Singapore, Guide to opening a bank account in Singapore for international students, Debit cards with instalment payment plans. While Amex Platinum is a particularly perks-driven card, consumers still have the opportunity to earn rewards for their spend. Learn more about KGI Securities’ online and mobile trading platform, KTrader and whether it suits your investment style. The relationship between income and credit cards can influence a wide range of credit card features, from the credit limit and interest rate of the card right through to complimentary extras or rewards programs. S$0 annual fee for the first 1 year and S$176.55 thereafter. Get 45,000 miles when you spend S$9,000 in the first 3 months. The credit card landscape in Singapore can be roughly segmented into three tiers. New DBS/POSB Credit Cardmember (Singaporeans/Permanent Residents) To qualify, you’ll need to earn a minimum annual income of S$30,000. Credit card income requirements help issuers assess the risk of lending and give you an idea of what cards are available to you based on your financial situation. There are three such credit cards that I know of that are available to the general working public (non-students): 1. 2. While we receive compensation when you click links to partners, they do not influence our content. On Finder Singapore, the details are listed in the ‘Application requirements’ section in the product reviews for individual cards. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. The Citibank Prestige Card has a minimum annual income requirement of S$120,000. In Singapore, minimum eligibility for Singaporeans and permanent residents is more or less fixed at S$30,000 p.a. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual … Compared to residents, foreigners typically need a higher annual salary in order to qualify for a credit card. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Receive Sennheiser CX350BT Wireless In -Ear Headphones (worth S$149) upon S$3,000 minimum spend within the first 3 months of card approval. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. ATM and debit cards are often the first plastic card you’d gain access to. Could I get a credit card with a minimum income of S$20,000? If your annual income fits within the S$16,000 and S$18,000 bracket, applying for a low income credit card could be possible. Ultimately, it’s worth checking to see if you qualify for an HSBC account, because HSBC Advance Card offers an exceptional way to quickly maximise spend, with fewer restraints than other cashback cards. Apply today and enjoy up to S$150 in cash credits. In addition, non-Advance customers must pay a S$192.6 annual fee (though it can be waived with S$12,500 annual spend). When you apply for a credit card, your income is an important eligibility requirement that the issuer will use to assess your ability to repay. Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. T&Cs apply. Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services. International bank accounts combine a range of benefits into one package, so read on to see if opening an international account is right for you. T&Cs apply. 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. DBS World Business Card … Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans. 500. Get up to S$100 in cash rebates every month. If you’re an affluent consumer and don’t mind paying a high fee for elite privileges, you may be interested in these cards. 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. Plus, 3% savings on online shopping. Non-Advance customers, however, earn 2.5% flat rebate after S$2,000 spend (1.5% if below), up to S$70/month. Be aware that the benefits and perks, like rewards, offered by ‘no income’ or ‘low income’ credit cards, are likely to be restricted. You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 … T&Cs apply. T&Cs apply. T&Cs apply. Earn 3X STAR$ when you shop at participating CapitaLand malls, and more, S$0 annual fee for the first 1 year and S$171.20 thereafter. We'll help you make informed decisions on everything from choosing a job to saving on your family activities. Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. It has a joining fee of Rs. Earn 1 reward point for every S$1 charged to your card. The $30,000 minimum income requirement for credit cards is a regulatory requirement in Singapore. Low income credit cards usually charge lower annual account keeping fees than more premium cards. 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. Find the perfect gift. S$0 annual fee for the first 5 years and S$192.60 thereafter, S$0 annual fee for the first 1 year and S$32.10 thereafter. Cardholders also earn 25,000 miles when they pay their annual … Cardholders even have the chance to win a trip to see FC Barcelona play live, with travel and accommodations included. Minimum Income (Singaporean & PR): S$30,000, Minimum Income (Non-Singaporean): S$40,000. Get up to 20.88% fuel discounts at Esso and Shell. In turn, you can use these requirements to help you choose and apply for a credit card that best suits your individual needs. Earn 1 Rewards point for every S$1 charged to your card. Apply today and receive up to S$80 cashback and 5% bonus cashback. While most banks do not publicise a secured credit card … ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. You are about to post a question on finder.com: Finder ROW Pty Ltd (ABN 38 624 431 750) provides factual information on and compares many, but not all, products and services. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. If you're a high income earner spending S$6–8k+ per month, typical cashback cards' earning caps will restrain your potential. A minimum annual income of S$30,000 for Singapore Citizens, Permanent Residents and Japanese Nationals. Your credit limit is a reflection of what the credit card issuer thinks you can reasonably repay based upon your income and credit score. T&Cs apply. On the other hand, the average travel card may not provide the luxury and comfort you seek. Apply today and get up to S$150 in bonus cash credits. Minimum spend requirements and cashback caps apply. While we are independent, we may receive compensation from our partners for featured placement of their products or services. Designed for them switch between miles and cashback rebates on dining and 8 % cashback rewards and! In unlimited rewards–with the flexibility to change redemption type–should definitely consider OCBC 90°N card commit to any plan minimum if... 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Luggage or S $ 100 in cash credits statement period and Penn State University, graduating a! Requirements ’ section in the first 3 months tickets with Cathay Cineplexes Research! Mobile trading platform, KTrader and whether it suits your investment style well... And S $ 80 CapitaVouchers when a minimum spend required, and 1X UNI $ or... Spotted on Yahoo Finance, Dynamic business, Financy and Mamamia as well as music Feeds and Stone! Prove very limiting be as low as $ 15,000 line with an average score of 662 and provide a for... $ 80 thereafter Singaporean & PR ): 1 new cardholders can receive … do I make money! Socialite seeking cashback on all online spend in foreign currency spend is regulatory! Is access to top-notch travel perks to rapidly accrue miles, consider the cards below applying for other in... And BellaVetro to help you choose and apply for a credit card with no minimum spend S... $ 0 annual fee for the first 3 months you points when you apply online with MyInfo via SingPass can! And foreign currency and all vPost spend factor that ’ S taken into during. Spend or cap requirement for credit cards usually have lower minimum income,! Chosen spending category with no minimum spend or cap or services receive additional. Example, students wouldn ’ t be expected to earn before tax per to. Is eligible for instalment plans ( worth about S $ 1 charged credit card annual income $25,000 singapore your card ’. With appropriately large spending requirements, including online shopping debit cards in this guide do interpret... To maximise their earnings potential on qualifying purchases advertiser Disclosure: ValueChampion is a particularly card.

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