Credit cards in Singapore in 2019!

Description: Prudential Platinum Credit Card by Standard Chartered Bank

Description: Prudential Platinum Credit Card by Standard Chartered Bank

APR

Effective Interest Rate (“EIR”): 25.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.

From 28 January 2019, effective interest rate for credit card purchases, personal loan finance charges & prevailing rate for fund transfers (if you are not on any promotional rate) will be 26.90% p.a.

Requirements

  • 21 to 65 years old;
  • Minimum Annual Income: Singapore Citizens and Permanent Residents: S$30,000; Foreigners with Employment Passes: S$60,000;
  • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes;
  • Q Pass holders must have minimum one year validity remaining on their passes.
  • Required documents

  • Copy of NRIC/Passport/Employment Pass (front and back);
  • For salaried (any of the following):
  • Latest month computerised payslip;
  • Latest 6 months CPF Contribution History Statement;
  • Latest Income Tax Notice of Assessment + latest month computerised payslip/6 months CPF contribution;
  • For self-employed:
  • Copy of latest income tax notice of assessment (must be in business for a minimum of 2 years);
  • For commission earner (any one from below):
  • Latest 3 months payslip + Latest income tax notice of assessment;
  • Latest 6 months CPF contribution history statement;
  • Latest 3 months payslip;
  • Copy of latest income tax notice of assessment (For 100% commission earner).
  • Registration number

    201224747C

    Important

    Annual Fee
    S$192.60 including GST. This annual fee is waived off for the first two years.
    Cash advance
    Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
    Late payment charges
    A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 25.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.

    Benefits

  • Earn 1 point for every $1 charged to your card, which can be redeemed for rewards.
  • Convert your points to offset your Prudential insurance premium payments.
  • Travel assistance, reservations, and shopping and gift services.
  • Fund transfers.
  • EasyPay.
  • and more.

    Additional information

    Personal Banking: (65) 6747 7000

    Other offers

    Unlimited Cashback Credit Card

    Benefits & Features

    • Cashback on all spend
    • All-in-one card
    • Fund transfers
    • EasyPay

    Minimum annual income

    S$30.000

    APR

    25.90% p.a.

    Annual fee

    S$192.60

    Minimum age

    21 year

    Loan granting

    Excellent

    10

    Unlimited Cashback Credit Card
    Benefits: 1.5% cashback on all spend, All-in-one card, S$100 cashback or S$150 in Prime Now Credits, Up to 50% off a la carte dining, Fund transfers, EasyPay.

    American Express CapitaCard

    Benefits & Features

    • CapitaVouchers
    • Complimentary parking
    • STAR$® Xtra Programme

    Minimum annual income

    S$30.000

    APR

    25.90% p.a.

    Annual fee

    S$171.20

    Minimum age

    21 year

    Loan granting

    Excellent

    9

    American Express CapitaCard
    Benefits: S$60 CapitaVouchers, American Tourister Erie 67/24 luggage worth S$200, Complimentary parking across CapitaLand Malls, STAR$® Xtra Programme.

    Spree Credit Card

    Benefits & Features

    • Cashback
    • Online Shopping Protection
    • Fund transfers
    • EasyPay

    Minimum annual income

    S$30.000

    APR

    25.90% p.a.

    Annual fee

    S$192.60

    Minimum age

    21 year

    Loan granting

    Excellent

    3

    Spree Credit Card
    Benefits: 3% cashback on all online spend in foreign currency, 2% cashback on all online spend in local currency, Online Shopping Protection, Fund transfers, EasyPay.

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