Methodology: Best Overall Credit Card

How we chose it:

We reviewed top products in the Credit Card category across a tailored set of evaluation criteria to determine which product offered the strongest value to consumers in Singapore. UOB Lady's Solitaire Card emerged as the top choice in this category based on both quantitative product features and qualitative factors.

This category was judged in collaboration with personal finance experts Sethisfy and Budget Babe, who reviewed the criteria and contributed to the final selection based on real-world applicability and consumer insights.

Key criteria included:

• Reward Rates
• Eligibility and Annual Fees
• Sign-up Bonuses
• Redemption Options / Validity / flexibility
• Other Perks and Benefits
• User Experience (Mobile app, CS, website, etc.)
• Rates & fees (FCY charges, Interest Rates, etc.)