Make Your Money Work Harder For You

More than just a shiny accessory, the best metal credit cards in Singapore offer a blend of luxury, durability, and a host of premium benefits. They're not just heavy in your wallet, they're heavy on rewards and perks, making them a statement piece for your financial life. Forget statement jewellery, these metal cards are where it's at.

As 2026 kicks off, now would be a great time to think about how you’re going to accumulate miles in the year ahead. The fact is: many credit card strategies are painfully unoptimised, causing cardholders to earn far fewer miles than they could with just a few easy tweaks! So in the spirit of New Year’s resolutions, here are a few things you might want to commit to doing this year, in order to earn your next vacation faster.

There’s nothing quite as magical as these words: ‘1-for-1’

If you’re planning to head overseas for a year-end holiday, one of the key decisions you’ll need to make is what cards to bring along. Even if you plan to use mostly cash, it’s always a good idea to have some cards as a backup, or for situations where cash may not be accepted (such as in-app payments).

The short answer? It's a mix: they earn from your interest and fees, and the businesses you use your card at.

Credit cards offer perks and privileges that help holidaymakers travel in style. Here are six ways you can make use of them to elevate your next overseas trip.

As much as we want to maximise the miles on every transaction, a common mistake that first-time miles chasers make is to only look at quantitative factors, such as earn rates. But not all points are made equal! For example, if two cards offer the same earn rate, you would want to pick the card that wins on qualitative factors, such as non-expiring points, more transfer partners, or free points conversions. By that same token, a lower-earning card could still trump a higher-earning card once points quality is taken into account. That’s why it’s crucial to look beyond top-line earn rates, and in this column, I’ll explain what makes credit card points truly useful, and highlight which banks excel in this area.

Though usually unseen and unnoticed by the average shopper, credit card interchange fees influence everything from the perks you enjoy to the prices you encounter.

Certain credit cards in Singapore offer a valuable feature known as purchase protection, providing a temporary safety net against the unexpected theft or damage of your new purchases.

You can use your credit card to pay for virtually everything in Singapore. Here’s why you should, and how you can do so safely.

Frequent flyer programmes offer travellers a pathway to earning rewards like free flights and upgrades. This guide helps you navigate these programmes and how to become a frequent flyer member and maximise your miles.

Learn what to look for in a student credit card and find the best credit cards for students studying abroad.

Between a cashback or rewards credit card, which offers better value? We help you decide.

From the people who work behind the scenes to bring you the best credit card promotions, what are the credit card combinations we ourselves at SingSaver swear by?

Card issuers typically ask for income information initially, but they also request updates periodically. This article covers what you need to know.

Will checking your credit score lower it? While a hard inquiry can temporarily nudge your score down a few points, a soft check leaves it untouched, making it crucial to understand the distinction when managing your credit in Singapore.

Many instances of credit card fraud in Singapore actually happen out of carelessness. Here's what you can do to avoid being a victim.

A negative balance on your credit card is a good thing – it means you have the credit to cover your next purchase. 

Transferring your credit card balance can help you save on interest and manage your debt more effectively. Follow these steps to ensure a smooth and successful balance transfer.

Understanding how credit card fraud works allow you to protect yourself from what could happen to anyone.

Learn when and how often to pay your credit card bill in Singapore to maximise benefits, minimise interest, and manage your finances effectively.

Credit card benefits in Singapore let you enjoy savings, perks and privileges, but these are just the tip of the iceberg. Here are all the ways credit cards can benefit you, and what to look out for when applying for one.

A new credit card may lead to a slight reduction in your score initially due to having multiple credit lines, but it could benefit you in the long term.

Thinking about taking out a personal loan? Understanding personal loans and how they work is key to making the right financial decision. It all starts with checking your credit, getting pre-qualified, and comparing loan options to find the best deal.

CIMB, SCB, and Citi offer some of the lowest interest rates on personal loans in Singapore [https://www.singsaver.com.sg/personal-loan]. Learn more about these loans on SingSaver if you find yourself in need of an emergency cash loan.

Debt consolidation lets you take all of your unsecured debt, such as personal loans and credit card bills and pay them off with a single loan. It can also help you reduce interest rates, streamline payments, which in turn aids in managing repayment.

Mortgage rates in Singapore are influenced by your credit score, loan-to-value ratio, economic trends, and benchmark rates like SORA.

Joint loans facilitate shared borrowing, offering partners equal rights and responsibilities in managing the loan.

Are you ready to buy a house? Find out how to tell if you’re financially ready and the questions you need to ask yourself.

Family loans and friendly loans can provide a cheaper leg up when money is needed — but they also risk the relationship. Before you decide to lend money to a family member, you need to carefully consider the circumstances and know the risks.

Payday loans in Singapore: Quick cash solutions, but high costs and risks demand careful consideration. Explore alternatives and understand the facts before you borrow.

Unlocking funds with your assets: A guide to secured loans.

In the financial hub of Singapore, securing the best interest rate for a personal loan is crucial, especially with rates fluctuating based on one's credit profile. This guide offers insights into navigating these waters, helping you secure favourable terms amidst varying economic conditions.

Want to get the best deal on your car without the hassle of running around? Selling your car online is a great way to score a competitive price from the comfort of your own home!!

Car loans can be complex, especially when determining the optimal loan term. This article explores the average car loan length in Singapore, providing you with essential insights to make informed decisions about your auto financing.

Your payment history and credit utilisation are the two biggest credit scoring factors in Singapore.

Since lenders have individual policies about when car loan refinancing is allowed, knowing the generally accepted timeframes can help you make a decision that's in your favour.

It’s easier than you think to end up owing more on your car loan than your vehicle is worth. Maybe you purchased a new car with little to no down payment, or perhaps you opted for lower monthly instalments by stretching your loan term to the full seven years. Either way, you could be in a situation where your loan balance exceeds your car’s market value —calso known as negative equity. If you’re in this position, don’t panic. There are ways to regain control of your loan and prevent long-term financial strain.

Instant cash versus long-term cost: Unpack the realities of pawnshop loans. Navigate Singapore's options with insights on rates, risks, and smarter alternatives.

In Singapore, debt management plans are structured programmes designed to help individuals consolidate and repay their unsecured debts, typically through a single monthly payment to a credit counselling agency, which then distributes the funds to the creditors according to an agreed-upon schedule.

Figuring out where your hard-earned money goes each month is the first step towards achieving your financial goals and gaining better control over your finances in Singapore.

Find out how much it costs to replace a roof in Singapore, factoring in materials, labour, roof size and more.

Thinking about refinancing your car loan in Singapore? It might help you save on interest or reduce your monthly payments — but it’s not without trade-offs.

Taking out a personal loan in Singapore can influence your credit score in various ways. However, with responsible management and consistent on-time payments, you can build your creditworthiness. Conversely, mismanaging the loan can lead to a lower score.

If you are struggling with debt, debt settlement is an option to consider. While not referred to by precisely that term, Singapore has similar approaches to help individuals dealing with financial difficulty.

Is your debt load a red flag or a green light? Unpack your DTI and unlock insights into your borrowing power. Navigate Singapore's lending landscape with clarity.

S-REITs are regaining momentum and drawing renewed interest from investors. We discuss some metrics that help you evaluate their investment potential, as well as four S-REITs that you should keep your eye on.

Gold is attracting attention as a potential hedge against market volatility and inflation in 2025. Let's explore how investors in Singapore can get in on the action with gold ETFs.

Wondering how to buy gold? Explore options like bullions, stocks, funds, and futures. Learn their pros and cons and how you can invest in them.

Contact of Difference (CFD) trading is becoming increasingly popular among investors as it allows you to speculate on the underlying asset's future prices without owning it. A CFD is a derivative that allows you to speculate on the future prices of an underlying asset and make big gains from it. But it’s also extremely risky, and more often than not, traders lose a lot of money.

Looking to improve your US stock trades? Follow these five advanced tips from moomoo to help bring your trading to the next level.

Creating a solid financial plan is like mapping out your route to financial success. It's about understanding where you are now, where you want to be, and how you'll get there. This guide provides a step-by-step approach to financial planning, with a focus on strategies and resources relevant to Singaporeans.

Looking to broaden your market exposure with CFDs? Picking the right trading platform is crucial. Here’s why Plus500 makes for the ideal partner to support your foray into CFD trading.

Market orders let you buy or sell instantly at the current price, while limit orders give you control to trade only at your chosen price.

First in Singapore! Earn guaranteed 3% p.a. on your shareholdings with IG Markets. Enjoy monthly income with no lock-ins, no minimum trade amount, and $0 commission and platform fees.

Trading after hours gives investors greater flexibility and access to global markets — but it also comes with important risks to understand.

Term life insurance is generally more affordable than whole life insurance but provides coverage only for a fixed duration.

A stock market crash involves a sudden, sharp decline in stock prices. While unsettling, understanding how to prepare and react is key. This guide equips Singaporean investors with strategies to navigate downturns and build long-term financial resilience.

Most Singaporeans invest in traditional assets like stocks, bonds, CPF, or savings accounts — but alternative investments are gaining ground.

Here’s everything you need to know about margin trading in Singapore.

Thinking about becoming a franchisee or franchisor? Here’s what you need to know about the perks and pitfalls of franchising — so you can make the right move for your business in Singapore.

While both exchange-traded funds (ETFs) and index funds offer valuable investment opportunities for both novice and experienced investors, it's crucial to understand their distinct characteristics before making investment decisions.

In Singapore's fast-paced market, technology Exchange-Traded Funds (ETFs) offer a dynamic investment avenue. They bundle tech stocks into a single, tradable fund, providing diversification and growth potential.

Day trading involves rapid buy-sell actions within hours; learn essential strategies and risk management to navigate this dynamic market effectively.

REIT ETFs offer a convenient way to diversify your portfolio with real estate. Explore the leading performers for this month.

Nvidia may lead the pack in AI chip technology, but it’s not the only company in town. Here’s a closer look at publicly traded Nvidia competitors that are shaping the future of artificial intelligence.

Invest in what matters. Make a positive impact with your portfolio.

Navigating the volatile world of Bitcoin: Understanding the risks and rewards.

Allocate your income wisely across essential expenses, discretionary spending, savings, and debt repayment.

Planning for retirement in Singapore can be daunting — from figuring out how much you'll need to manage your savings while juggling work, bills, and family life.  But what if there was a low-effort way to invest that adapts as you get older? That’s where target-date funds come in.

Find out how fixed deposit rates work and what are the best current promotional FD rates in Singapore.

With global interest rates on the decline, banks in Singapore have started to slash the returns on their flagship savings accounts. GXS, Maribank, and Trust Bank have already cut their interest rates earlier this year, while Bank of China (BOC), OCBC and UOB will make rate cuts on 1 May 2025. Several of these flagship accounts reward customers for credit card spending, so if you're a miles collector, how do these changes affect the best bank account for you?

Closing a bank account in Singapore won't directly impact your credit score, but doing it the wrong way could still land you in financial trouble.

Whether you're a local or a newcomer, opening a bank account online has never been easier — and faster. Online banking is just a few clicks away!

Secure your legacy. Explore the benefits and drawbacks of putting your house in a trust, and discover if this estate planning strategy is the right fit for your needs.

The Qualifying Child Relief (QCR) is a popular benefit for parents with children in Singapore. Learn more about who qualifies and how it works.

For most Singaporeans, the deadline to file taxes is just around the corner-here's what you need to know to stay on track.

Calculate your income tax in Singapore accurately with this guide to the 2024 tax brackets and rates, effective for Year of Assessment 2025.

The best methods to send money overseas involve using providers that offer competitive exchange rates and avoid imposing excessive fees.

When substantial funds are involved, a cashier's order provides a secure, bank-backed alternative to traditional cheques, ensuring peace of mind for both payer and payee.

Overdraft fees can be a significant expense, and the charges vary considerably among banks in Singapore.

A wire transfer is an electronic method for moving money between bank accounts. These bank-to-bank transfers are often used for significant transactions like overseas tuition payments, property down payments, or sending remittances.

Learn the best ways you can transfer money both overseas and locally within Singapore.

Travelling internationally should be an adventure, not a financial headache. Choosing the right bank can save you significant money on fees and offer convenient access to your funds abroad.

High-yield savings accounts give you easy access to your money, while fixed deposits reward you with higher interest—if you're okay to lock your funds in for a while.

Unlock spending freedom with these top prepaid cards, designed for savvy Singaporeans.

Offering a range of financial services that leverage on technology, neobanks have seen a rise in popularity in recent years.

There is no one best place to save your money – it all depends on your individual preferences and the time horizon you have for meeting your financial goals.

You can still buy travel insurance after booking. Some plans even allow purchase up to a day before departure, but coverage may be limited if you buy after departure.

These renewable insurance standalones cost very little in defraying very large medical bills. Here are the best ones for you to consider.

Not all flight tickets are created equal — and knowing whether your airfare is refundable can save you stress and money.

This guide compares the most trusted travel agencies in Singapore for seamless flight booking, personalised tour packages, and unforgettable experiences.

Now that COVID-19 has become the new normal, do I still need to purchase travel insurance with COVID-19 coverage?

When it comes to international travel, you can fill the gaps in your coverage with travel health insurance, protecting you from unexpected medical bills and emergency situations.

Planning your next getaway? With Income Travel Insurance, you’ll enjoy reliable protection for medical emergencies, trip disruptions, and baggage mishaps, so you can travel with peace of mind. Whether it’s a short regional trip or a long-haul adventure, Income offers flexible plans to suit every traveller’s needs.

Emirates offers one of the world's best Economy Class experiences, thanks to its ergonomic seats, thoughtfully selected meals and impressive entertainment system.

Emirates Premium Economy bridges comfort and value, offering Singaporean travellers enhanced amenities without the full Business Class price. Ideal for long-haul flights, it's a savvy upgrade.

Explore crucial travel insurance tailored for scuba diving, a necessity for any diver venturing into the depths. These plans are designed to address the unique risks and potential emergencies associated with underwater exploration, from equipment loss to decompression sickness, ensuring that your adventurous spirit remains free from worry.

Driving in a foreign country means unique challenges, including unfamiliar road rules and different driving norms, so don't assume your personal travel insurance will cover you as you take to international roads!

The right travel insurance plan doesn't just cover you for the unexpected — it's your backup when adventure turns into emergency.

Unlock free flights and travel perks with savvy miles accumulation. Navigating frequent flyer programmes can be tricky, but this guide simplifies it for Singaporeans.

Planning your next holiday? Don't forget to consider your travel insurance options. As a Singaporean traveller, you're faced with a crucial decision: annual or single trip travel insurance. Both choices offer unique benefits, but which one truly saves you more money and reduces hassle? Let's explore the key differences between these two types of policies so that you can make an informed decision that ensures you're covered without breaking the bank.

Timing and flexibility are crucial in securing affordable international flights. The advent of budget-friendly airlines and various travel platforms has opened up new horizons for Singaporeans eager to explore the world. Yet, the volatile nature of airfares remains a challenge for those on a budget.

Consider safeguarding your trip investments, especially if they're not already protected by your credit card.

Maternity insurance is one of the many things you'l need to purchase when your baby bump starts to show. Here's a handy guide to help with your baby steps into parenting.