4 Student Credit Cards That Also Earn You Miles and Cashback

Students are eligible for credit cards too – subject to certain restrictions and credit limits. Here are the four student credits cards in the market right now that also earn you miles and cashback.

Editor's note: Credit card offers are subject to change at any time. This article was last updated on 12 Sep 2019.

As a tertiary student in Singapore, you will find yourself spending on food, fashion, entertainment, transportation, telco bills and maybe overseas trips. Since these expenditures are inevitable in our daily lives, why not reap some benefits and savings at the same time?

Some banks in Singapore have credit cards specially tailored to students, featuring enticing deals, discounts, and cash rebates. We have rounded up and assessed the four best credit cards in the market for students, by highlighting their attributes. You will be sure to find one that best suits your needs.

	Benefits	Eligible Age	Credit Limit	Annual Fee
DBS Live Fresh Student Card	• Free entry to Zouk • All-in-one card with ATM and SimplyGo functionality • Appealing deals with Zalora, Expedia, Chope, and more	18 to 27 years old	S$500	S$128.40 (waived for 5 years)
Citibank Clear Card	• Earn 0.4 miles per S$1 spend instead of cashback • Up to 2% rebates on dining, petrol, and Sheng Shiong Supermarket • 10% Citi Rebate at cafes like Starbucks (with minimum $10 spend)	18 years old and above	S$500	S$29.96 (first year waived)
Maybank eVibes Card	1% cash rebate on all spend with no min. spend requirement	18 to 30 years old	S$500	S$20 (S$5 quarterly, waived for up to 2 years)
CIMB AWSM Card	• 1% unlimited cashback on dining, entertainment, online shopping, and telco bills • Enjoy perks in Singapore, Indonesia, and Malaysia • No annual fees ever	18 to 29 years old	S$500	None

DBS Live Fresh Student Card:
Free entry to Zouk and a chance to win a PlayStation^®4 Pro Custom

Party animals are going to love this card! Simply flash the DBS Live Fresh Student Card at the entrance of Zouk to enjoy complimentary entry before 12 a.m. Another bonus is that it works as an all-in-one card with SimplyGo functionality.

The fee, though high (S$128.40), is waived for 5 years and there is no minimum income required (18 to 27 years old) to enjoy S$500 credit limit on your card.

Why we love the DBS Live Fresh Student Card

• Free entry to Zouk
• All-in-one card (ATM) with SimplyGo functionality
• Annual fee waived for 5 years
• No minimum income required
• Appealing deals with Zalora, Expedia, Chope, and more

Promotion: Enjoy $10 off your foodpanda order when you spend S$150 within 30 days of Card Approval Date. From now till 31 December 2019, register here and stand to win a PlayStation®4 Pro Custom with every S$50 spent.

Institutions: Be an eligible Undergraduate student from NUS, NTU, SMU, SUTD, SUSS, SIT, Nanyang Polytechnic, Ngee Ann Polytechnic, Temasek Polytechnic, Singapore Polytechnic, or Republic Polytechnic.

Citibank Clear Card:
Kickstart your miles game with 0.4 mpd

The only student card that allows you to earn Citi Dollars (1 Citi Dollar for every $1 spent) and miles (0.4 miles per $1 spend), instead of cash rebates, the Citi Clear Card is a fantastic card for tertiary students (18 years and above) as there is no minimum income required!

Perfect for those who want to indulge in good food, Citibank Gourmet Pleasures brings you the best dining deals and for those who drive, you get generous savings on petrol (save up to 14% on Esso and Shell).

For students or young adults who frequent Starbucks, Dunkin’ Donuts, Subway or Cedele, you can also earn up to 10% Citi Rebates which can be accumulated to offset your next purchase at any participating merchants (1 Citi Rebate = 1 SGD).

Why we love the Citibank Clear Card

• You get to earn miles instead of cashback, great for those who wish to travel
• Fabulous range of dining deals and privileges, savings on petrol and rebates at Sheng Shiong Supermarket (up to 2%)
• No minimum income required
• Can be used as a Visa SimplyGo card
• Student friendly – for those who enjoy studying at Starbucks, you get 10% Citi Rebate (with minimum $10 spend)

Promotion: Welcome gift of S$20 cashback with a minimum spend of S$50 within the first month of card approval.

Institutions: Be a tertiary student of NTU, NUS, SMU, SIM, SUTD, SIT, SUSS, University of Chicago Booth School of Business, DigiPen, ESSEC, GIST-TUM Asia, INSEAD, S P Jain, Tisch, UNLV, Nanyang Polytechnic, Ngee Ann Polytechnic, Republic Polytechnic, Singapore Polytechnic, Temasek Polytechnic, LASALLE-SIA, NAFA, EDHEC-Risk Institute, or Sorbonne-Assas International Law School.

Maybank eVibes Card:
1% rebate on all spend

Specially designed for tertiary students and NSFs between 18 and 30 years of age, the Maybank eVibes Card is endowed with many perks, but the biggest draw is that you get to enjoy 1% cash rebates on everything you buy sans minimum spend. This saves you the hassle of constantly trying to keep track of the affiliated merchants for rebates.

To add icing to the cake, Maybank’s TREATS offers deals and discounts on a gamut of lifestyle indulgences such as travel, dining, entertainment and online shopping, you will surely find something that appeals to you.

Moreover, with Visa PayWave and Samsung Pay, you get to enjoy the added convenience of paying faster for your purchases, plus you can track your expenses online 24/7.

The card comes with a S$500 credit limit per month, so parents or guardians of those age 21 and below can rest assured that there will be no overspending. In addition, the S$5 quarterly service fee is waived for 2 years, as long as the card is charged at least once every 3 months.

Why we love the Maybank eVibes card

• 1% cash rebate on everything you buy
• No minimum spend required
• Great for students and young working adults – no minimum annual income required
• Attractive range of discounts and privileges
• Can be used as a Visa SimplyGo card
• Quarterly service fee of S$5 can be easily waived (up to 2 years)

Promotion: Receive an adidas wristwatch (worth S$120) upon your first charge within the first month of receiving your card.

Institutions: Tertiary student from NUS, NTU, SUSS, SMU, Ngee Ann Polytechnic, Singapore Polytechnic, Nanyang Polytechnic, Temasek Polytechnic, Republic Polytechnic, NAFA, LASALLE, NIE, SUTD, and SIT (or NSF)

CIMB AWSM Card:
1% unlimited cashback

Another great option for students, the CIMB AWSM (AWESOME) Card offers unlimited 1% cash rebate on dining, entertainment, online shopping and ‘all things’ telco, with no minimum spend required.

Perfect for students and NSFs (18 to 29 years old), SimplyGo with your CIMB AWSM Card when you travel on buses and trains and save yourself the hassle of carrying or topping up a separate transit card. Plus there is absolutely no income requirement and there is no annual fee ever, for life.

What’s more, students can access CIMB Deals & Discounts on travel, dining and regional promotions all across Singapore, Indonesia, and Malaysia.

With the annual minimum income required at only S$18,000, this card is also an excellent choice for working adults (below 35) who might not earn enough to qualify for other banks’ credit cards.

Why we love the CIMB AWSM Card

• 1% unlimited cashback on dining, entertainment, online shopping, and all things telco
• No annual fees ever
• No minimum spend required
• Great for students and NSFs (18 to 29 years old)  – no minimum annual income required
• For young working adults below 35 years of age – low minimum annual income S$18,000
• Doubles as a SimplyGo Mastercard® for bus and train rides
• Covers all institutions in Singapore
• Enjoy perks in Singapore, Indonesia, and Malaysia

Institutions: Any institutions in Singapore (or NSF)

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