Credit cards in Singapore in 2019!

Description: Unlimited Cashback 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is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.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

  • No cashback cap and no minimum spend. Enjoy 1.5% cashback on all spend.
  • Receive S$100 cashback or S$150 in Prime Now Credits when you apply as a new Standard Chartered Cardhoder.
  • The Unlimited Cashback Credit Card doubles up as your ez-link card with the EZ-Link facility enabled on it. Now, you just need one card for all your needs.
  • Digital Online Shopping Protection and Online Price Guarantee.
  • Enjoy Up to 50% off a la carte dining and selected buffets at The Fullerton Hotel Singapore and The Fullerton Bay Hotel Singapore.
  • and more.

    Additional information

    Personal Banking: (65) 6747 7000

    Other offers

    Credit limit
    Individual
    Annual fee
    S$192.60
    Minimum annual income
    S$30.000
    APR
    25.90% p.a.
    Minimum age
    21 year
    Loan granting
    Excellent
    Apply now sc.com
    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.
    Prudential Platinum Credit Card
    Benefits: Earn reward points, Convert points to offset Prudential insurance premium payments, Travel assistance and gift services, Fund transfers, EasyPay.
    Credit limit
    Individual
    Annual fee
    S$171.20
    Minimum annual income
    S$30.000
    APR
    25.90% p.a.
    Minimum age
    21 year
    Loan granting
    Excellent
    Apply now americanexpres...
    Requirements:
    • - You're over 21 years of age. Supplementary Card applicant should be over 18 years of age;
    • - For Singapore Citizens and Residents, you have earnings which provide an income of over S$30,000 p.a;
    • - For Expatriates, you have earnings which provide a minimum income of over S$60,000 p.a.
    American Express CapitaCard
    Benefits: S$60 CapitaVouchers, American Tourister Erie 67/24 luggage worth S$200, complimentary parking across CapitaLand Malls, STAR$® Xtra Programme.
    Credit limit
    Individual
    Annual fee
    S$321
    Minimum annual income
    S$50.000
    APR
    25.90% p.a.
    Minimum age
    21 year
    Loan granting
    Excellent
    Apply now americanexpres...
    Requirements:
    • - You're over 21 years of age. Supplementary Card applicant should be over 18 years of age;
    • - For Singapore Citizens and Residents, you have earnings which provide an income of over S$50,000 p.a;
    • - For Expatriates, you have earnings which provide a minimum income of over S$60,000 p.a.
    American Express Platinum Credit Card
    Benefits: Up to 50% off food bill at hotels, Vouchers from spas, Membership Rewards points, Frequent Flyer Miles, 90-days return guarantee and purchase protection.
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