Credit Card Resources to Maximise Your Benefits

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.

Looking for the best credit cards to complement your spending patterns and expenditure? This ultimate guide covers all things credit cards in Singapore 2024 – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

In all likelihood, you got a new credit card not only for its perks, but its can’t-miss signup gift. Here’s a look at some of the best ones being offered by banks in Singapore. Banks often use attractive welcome rewards as a means to entice consumers to snag a credit card, and also to stand out from the rest of the pack. But before you head off to sign up for the best credit card to get yourself that reward, let’s first examine when is the best time for you to get a credit card.

Rewards credit cards are all about the points. Rack up enough of them and you can enjoy a whole slew of exclusive perks and privileges only available to cardholders. Rewards points can be converted into many types of privileges, where some regard them as more flexible than, say, air miles or cashback cards. You can grow and maintain your stash of points, then dip into them to meet your needs when necessary. So in essence, all you have to do is spend, collect reward points, and accumulate enough till you're well on your way to redeeming your preferred reward!

A credit card strategy can be simple, complex or anything in between. Most importantly your credit card strategy must fulfil its purpose – helping you pick the best credit cards. With so many different credit cards out there, picking the best one can be a mind-boggling task. More so with the many enticing welcome rewards being offered everywhere you turn.

Credit cards come with various fees and charges, which can catch some users by surprise. Here’s a complete guide to the different credit card fees you may encounter and how to avoid them (if possible). The most attractive thing about credit cards is the rewards they offer on your spending, as well as the various perks and privileges that cardholders can enjoy.

Have a brand new house to furnish or an engagement ring to surprise your partner? Fret not. The best credit cards for big purchases in Singapore can help stretch every dollar you spend. With rising costs of living in the backdrop, it is only logical that you do all you can to make your money work harder for you, even when we’re talking about spending money.

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? Credit cards are a must-have in any working adult’s wallet, earning you cashback, miles or reward points. You can use it to pay for anything from your meals, to your wedding banquet and even to rent a car when you’re travelling overseas.

These premium credit cards are keys to unlock a whole new world of unbridled luxury, from VIP travel privileges to fine dining. High spenders are classified by banks as those spending between S$6,000 and S$8,000 per month. When it comes to credit cards, it’s not just the income eligibility requirements that are higher for these spenders, the perks are on a whole other level too.

Choosing the right air miles credit card can help you earn frequent flyer miles cheaper and quicker, plus enjoy perks on travel insurance, overseas spend, flight lounges, and more. Here are the best miles and KrisFlyer credit cards for avid travellers to consider in Singapore.

Transform your layovers into luxurious experiences at the world's best airport lounges, tailored for Singapore travellers.

Don't let your credit card debt snowball. You can save thousands of dollars and improve your credit score by paying more than the minimum. Here's how:

It might sound like an easy fix, but paying off one credit card with another comes with its own set of catches, and not every method is a smart one.

Start with small, manageable charges. Don’t pay late, and try not to carry a balance from month to month.

Splitting a transaction between two or more credit cards is more common in-store than online, although the availability of this option largely depends on the merchant and payment platform.

Make every dollar you spend work harder for you — and turn everyday shopping into real savings.

Love ordering in? Find out how to make every delivery more rewarding with the best credit cards for food delivery in Singapore.

Here’s how to take back control of surprise charges before they go through.

When it’s absolutely necessary to send your credit card details digitally, there are some best practices you can follow to ensure your information remains secure.

Turn your yearly tax bill into air miles — here’s how savvy cardholders are earning rewards by paying their IRAS income tax with a credit card workaround.

Noticed a mysterious charge on your credit card? Here’s how long you have to flag it, and what to expect when you do.

Spotted an incorrect or suspicious charge on your credit card statement? Don't panic. Here’s how to file a dispute.

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

Learn how to redeem different types of credit card rewards and find out how to compare the value of different rewards objectively.

Wondering if you can delete that old credit card statement? Not so fast. There are reasons why keeping them (for now) might save you money and stress later.

Is it time for your child to start tapping or swiping? Here's how to choose the right card to match their age and stage.

Most merchants accept both Visa or Mastercard pretty much worldwide. The true difference in the benefits you will get comes from the card issuer.

Depending on your credit card provider and the type of rewards programme, your hard-earned points, miles, or cashback may come with an expiry date.

Although sometimes a slight hassle for those with credit cards, expiry dates are a normal and required feature.

If a credit card has an annual fee, it's likely because it offers more substantial rewards or attractive benefits.

Expedia offers great last-minute deals and travel bundles, though it’s worth understanding the fine print on cancellations and support.

One of the smartest ways to manage your credit card is to pay off your full balance each month. But what happens if you accidentally pay too much?

Avoid excess baggage fees and airport surprises by choosing the right suitcase size for your trip.

With a generous welcome bonus and useful perks, the Citi Cash Back card offers strong upfront value, but capped cashback and spend requirements may limit its appeal over time.

Most credit card payments in Singapore take up to three working days to process—pay by 5 p.m. on your due date to steer clear of late fees.

While credit card churning can be a fast track to rewards, navigating it without negatively impacting your credit score can be quite challenging. Also, it isn't a strategy for every cardholder.