4 Most Straightforward Credit Cards in Singapore

If you want an uncomplicated credit card that delivers exactly what it promises, give these four a try.

Credit cards can save you a lot of money if you use them responsibly. But most credit cards require you to meet certain conditions before claiming cashback or rewards. It's not uncommon to have to spend S$500 a month on your card to receive 5% cashback.

Fortunately, there are credit cards in Singapore with very straightforward requirements, with no minimum spend or limits to savings and points earned.

So if you're after a credit card that delivers exactly what it promises, give these a try:

1. American Express True Cashback Card

With no minimum spend required and no cap on how much cashback you can earn a month, the American Express True Cashback Card is exactly what it is. You receive a cool 1.5% cashback on all purchases regardless of what you are spending on.

Plus, you can get up to S$150 cashback in your first three months! As a welcome gift, you receive 3% cashback on all expenses up to S$5,000 during your first 6 months. All cashback earned is automatically used to offset your monthly statement. So if you charge S$600 on this card in a month, you get S$9 as cashback, and only need to pay back S$591.

American Express is also giving away S$50 Tiger Air vouchers to the first 800 approved applicants. All these savings combined creates a compelling case for the True Cashback Card!

2. ANZ Optimum World MasterCard

The ANZ Optimum World MasterCard is probably the only card in the market that lets YOU decide where you want your savings to go.

It's as simple as choosing one out of four categories at the beginning of each quarter: dining & leisure, travel, shopping, and groceries. You get 5% cashback on that category, and 1% cashback on all other spend.

Similar to the Amex True Cashback card, there is no minimum spend requirement or a maximum cashback limit.

To make the most out of this card, analyze what you spend the most on and be sure to select the correct category every quarter. For example, if you select Dining before the 25th of a month and your expenses at restaurants amounts is S$450, you will receive S$22.5 cashback. But if you forget to declare your category, you will only get back S$4.5 on dining.

3. UOB PRVI Miles Visa

One of the simplest yet most rewarding air miles card in Singapore, the UOB PRVI Miles Visa Card lets you earn 2.4 air miles for every dollar spent overseas and 1.4 air miles for every dollar spent locally.

Also, you can earn 3 miles per dollar spent on Singapore Airlines, SilkAir & Kris Shop. Again there is no minimum spend requirement or limit on the number of miles you can earn in a month.

4. ANZ Travel Visa

With the ANZ Travel Visa card you can earn 1.4 air miles for every dollar spent locally, and 2.8 air miles for every dollar spent on direct flight bookings with Qantas and Jetstar airlines or retail spend in Australia and New Zealand.

While the maximum air miles earned through the 2.8 air mile/dollar program is capped at 14,000 air miles a month, there is no such cap for the regular offer.

Apart from this, you can also get access to over a hundred Veloce VIP airport lounges all over the world and 10,000 air miles on card renewal every year.

Read This Next:

>11 Silly Misconceptions Singaporeans Without Credit Cards Believe In

How to Decode Your Credit Card's Confusing Fine Print