These Are the Best Credit Cards for Fresh Graduates in Singapore

There's nothing that marks your entry into adulthood like your first credit card. Start from our selection of the best credit cards for fresh graduates in Singapore.

So you've landed your first job. You’ve made it past probation. Congratulations, you’re officially a working adult!

There’s no milestone that quite marks the entry into adulthood post-graduation like entering the workforce — except that moment when you receive your very first credit card. You own. With your name on shiny plastic.

With this new-found financial independence comes a new set of responsibilities. So, credit cards — where do you even start? Which bank? Which card offers the best deals for shopping, for dining, for travelling? Which one gives you the best rebates? Is there a minimum income requirement?

Yes, questions aplenty. But no need to fret. We’ve got you covered.

Below are five of the best credit cards for fresh graduates in Singapore. If you have a minimum income of S$30,000 a year and are above 21 years of age, then all you need to do now is take your pick.

The FRANK Card by OCBC

With the lowest annual fee of only S$80, the OCBC FRANK Card is definitely attractive as a starter card to anyone who’s concerned about keeping up with the fee. Plus, with only S$400 minimum spending required, it seems to be the most comfortable card in terms of ease of upkeep. The personalisation is no doubt a plus, too.  

HSBC Revolution Card

There’s a reason why the HSBC Revolution Card also made it to our list of the best online shopping credit cards. With a generous 5 Points for every S$1 spent on local dining, entertainment and online (including movie tickets, food orders, and taxi bookings), this card literally rewards you for everything you spend on. You can redeem your points for hotel dining vouchers, Golden Village movie passes, and more! Plus, if you spend S$500 on your card per month for the first 3 months, you get a sweet looking Samsonite luggage to welcome you.

UOB YOLO Card

For all you young energetic youths who love the night life and other lifestyle perks, you can’t go wrong with a card whose motto is “Eat. Drink. Play. Repeat”. Holler the UOB YOLO Card as you shimmy your way into priority queues and throw back drinks at special rates.

Citibank Rewards Visa Card

Don't miss out on the sweet rewards offered by the Citibank Rewards Visa Card. For every S$1 you spend on shoes, bags, and clothes online and at department stores, you get 10 Reward points or 4 miles. And until the end of December, the Rewards card is giving you 20 times the points for every S$1 you spend on Amazon. Instantly redeem your rewards for vouchers at your favourite stores, or as rebates to offset your spending.

DBS Altitude Visa Card

If you love to travel, look no further than the DBS Altitude Visa Card. Not only do you get 1.2 miles for every S$1 you spend in Singapore; you also get 3 miles for every S$1 you spend when you book your flight and accommodations online! And from now until 28 February 2017, you get 3 miles for every S$1 you spend overseas. With premium perks like a Butler Service and 2 complimentary access visits to Priority Pass lounges around the world, this card will get you anywhere you want in style.

Use SingSaver.com.sg to compare credit cards in Singapore and find one that's right for you!

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By Alexa Fang

Alexa is a pop-culture vulture. She lives to read, write and travel, and decided long ago that life is stranger than fiction. When she's having croissant, she thinks in French. "31 Rue Cambon" is her favourite address, and she believes that money one enjoyed spending is never money wasted.