Deep Dive Into Topics:
Credit card basics | Choosing a credit card | Applying for a credit card | Managing credit card debt
Credit Card FAQ
How to increase credit card limit?
Request a limit increase from your bank, usually after showing a history of on-time payments and income growth. A higher limit can improve your credit utilization ratio.
Can cancelling a credit card have detrimental effects?
Cancelling a credit card can lower your credit score by affecting your credit utilization and length of credit history. Consider keeping the card open if it's not costing you in fees.
Credit Card Guide
Relevant articles
Why You Should Own a Credit Card in Singapore: 7 Credit Card Benefits You Can Enjoy
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.
The Only Credit Card Guide You Need in Singapore 2024: Cashback, Miles, Rewards
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.
Credit Card Welcome Offer: A Comparison of The Best Gifts
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.
Best Rewards Credit Cards In Singapore: 2024 Comparison
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!
Best Credit Card Strategy Singapore 2024: How to Choose the Best Credit Card for You
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.
What Are The Different Credit Card Fees And How To Avoid Them?
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.
16 Best Credit Cards For Big-Ticket Items
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.
Money Confession: Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)
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.
Top Premium & Metal Credit Cards In Singapore (2024)
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.
Best Air Miles & KrisFlyer Credit Cards In Singapore (2024)
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.
Other Articles
American Express Membership Rewards devaluation: What you need to do now
American Express has announced a devaluation to its Membership Rewards (MR) programme, which will increase the cost of transfers to all eight of its airline partners. There is a subtle but important distinction to note here. Unlike other credit card nerfs we’ve seen, American Express is devaluing the burn rate (i.e. the rate at which you can redeem points), not the earn rate.
Redeem KrisFlyer Miles Smarter: Saver vs Advantage and When to Use Star Alliance
Redeeming KrisFlyer miles can feel like solving a puzzle — this guide shows you how to unlock maximum value, whether you’re eyeing a quick getaway or a bucket-list Business Class seat.
Best Credit Cards for Fresh Grads in Singapore 2026
Starting work (or wrapping up university) comes with new freedom and new financial decisions, and your first credit card is often one of them. We break down the best credit cards for fresh graduates in Singapore in 2026, based on affordability, ease of approval, rewards relevance, and long-term usefulness.
SingSaver’s Best Metal Steel Credit Cards
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.
6 simple things you can do to earn more miles in 2026
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.
What cards should you use for overseas spending?
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).
Which bank offers the most useful credit card points?
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.
