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Credit Cards in Singapore
Monetary Authority of Singapore, or better known as MAS is the central bank of Singapore. MAS administers the various statutes pertaining to money, banking, insurance, securities and the financial sector in general, including currency issuance.
In accordance to MAS credit and charge card statistics, there are 6,141,870 of main cardholders and 1,378,817 of supplementary cardholders in Singapore as at December 2010. As of December 2011, there are 6,883,993 of main cardholders and 1,450,282 of supplementary cardholders in Singapore.
This shown the number of main cardholders has jumped by 742,123 or 12.08% in 12 months, about 1% slower growth than a year ago. On the other hand, the supplementary cardholders has increased by 71,465 or 5.18% in the same period.
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To apply for a credit card in Singapore, a minimum annual income S$30,000 p.a. is required for Singaporean or Permanent Residents. Whereas for self-employed or foreigners working in Singapore,
a higher minimum annual income of S$36,000 p.a. is required. Get the best credit card Singapore of your choice and enjoy the benefits today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
Winner of Asian Banking & Finance Retail Banking Awards 2009 - Best Credit Card Initiative
Introducing Switch. A smarter way of thinking that cuts credit card charges down to size.
This is the only platinum card that offers you:
Low interest rate of 18% p.a.
No annual subscription fee, ever*
FlexiPlan
Split your purchase(s) over 3, 6 or 12-month instalments for a minimum combined amount of S$500
Auto FlexiPlan
Enjoy up to 12 months interest-free instalments on your purchases for any single retail transaction equal to and above S$1,000
Income Tax Payment Facility
Enjoy the convenience of paying your Income Tax with your ANZ Switch Platinum Credit Card. You get the choice of making a one-time payment or monthly instalments and earn Rewards Points at the same time.
Receive an exclusive 15% discount on the ANZ StarCash prepaid card (worth S$200 in stored credit) when you purchase the prepaid card with your ANZ Credit Card. You can now save more when you refuel at any Caltex service station.
Enjoy 25% off ANZ Movie Treats Card at Golden Village
Transport rebates on MotorPay, EZ-Reload and Comfort Taxi
20% off selected attractions at Sentosa
* The Bank reserves the right to suspend or terminate card accounts with less than 3 Card Transactions over a period of 12 months.
All applicants must be at least 21 years of age with a minimum annual income of not less than $30,000 p.a. for Singaporean or Permanent Residents and $60,000 p.a. for Foreigners.
Terms and Conditions apply for all credit cards promotions
15% savings* at Caltex service stations(additional rebates on top of prevailing site and HSBC petrol discounts)
5% cash rebates* at Cold Storage, Giant, Guardian, Jasons and Market Place
Preferential Rewards
Earn 1 Rewards points when you charge S$1
With a 3 year validity period, you have more time to accumulate Rewards points
Redeem Eewards item with fewer points
Golfing privileges at home and abroad plus complimentary Golfers' Insurance
Exclusive tier of Rewards, dining deals and privileges at selected merchants
Greater Visa rewards with HSBC Platinum card
Earn Rewards points with income tax payments
Dedicated 24-hour Hotline and world-wide emergency
Free supplementary cards for your loved ones
Complimentary travel insurance coverage
Exclusive privileges at over 1,800 outlets in Singapore and even more overseas with HSBC home&Away Privilege Programme
Two-year annual fee waiver**
All applicants must be at least 21 years of age.
For Singaporeans or Permanent Residents, a minimum annual income of S$30,000 is required.
For self-employed and foreigners, a minimum annual income of S$40,000 is required.
If you do not meet the income requirement, a minimum Fixed Deposit Collateral of S$10,000 is required.
* Terms and conditions apply
**Two-year annual fee waiver
Annual fee is waived for the first year from the date the HSBC Platinum card is issued.
To qualify for the subsequent annual fee waiver, a minimum annual spending of S$12,500 must be made on your HSBC Platinum credit card account.
Fund transfers, instalments, tax payments, annual fees, bank charges and unposted, cancelled, disputed and refunded transactions are excluded from the calculation of the spend requirement.
Intro APR and Intro Period
Annual Fee
2.50% p.a. for 6 months OR 5.88% p.a. for 12 months
Get a FREE 20" trolley luggage* when you apply for HSBC's Revolution Credit Card online!
As a HSBC's Revolution credit cardholder, you enjoy a range of special deals and offers that's designed around you
7% rebate on EZ-Reload, a service by EZ-Link that automatically tops up your card when it has insufficient value for payment
5% retabe on Tiger Airways and AirAsia airlines
50% off HSBC's FlexiPay
Your HSBC's Revolution credit card comes with Visa payWave™ feature, a two-year fee waiver
A personal internet banking account that lets you manage all your accounts online conveniently.
Also enjoy exclusive banking privileges including a preferential interest rate for HSBC’s personal line of credit, low minimum balance requirement for ePowerVantage and discount off premiums for TravelSurance Plus.
Enjoy great savings on interest with fund transfer of 2.50% p.a. for 6 months or 5.88% p.a. for 12 months with upfront processing fee of S$50.
* Terms and conditions apply
Eligibility Criteria:
All applicants must be at least 21 years of age.
For Singaporeans or Permanent Residents, a minimum annual income of S$30,000 is required.
For self-employed or foreigners, a minimum annual income of S$40,000 is required.
Intro APR and Intro Period
Annual Fee
2.50% p.a. for 6 months OR 5.88% p.a. for 12 months
Receive S$30 Cash Rebate*
Applications must be approved by 15 November 2012. Valid for new to bank applicants who successfully apply for ANZ Platinum Card and charged at least 3 retail transactions to the ANZ Platinum Credit Card within 30 days from the card approval date.
Promotion valid till 30 September 2012.
Simply charge to your ANZ Platinum Card to enjoy these privileges and many more treats exclusively reserved for you.
10% dining rebate at some of the most popular restaurants in Singapore.
Enjoy 5% rebates on your shopping bill when you pay for your groceries with your ANZ Platinum Card at Cold Storage supermarkets in Singapore and Cold Storage online.
Enjoy 5X rewards points at selected retail outlets
Access a world of privileges
Travel
Complimentary airport lounge access to SATS Premier Lounge and Rainforest Lounge in Singapore Changi Airport
Complimentary Airport Limousine Departure Transfer
Complimentary travel insurance coverage of up to S$500,000 for you and your family
Golf
Complimentary green fees at 3 exclusive golf clubs across Asia with no paying guest required
Discounts and privileges at selected golf apparel / merchandise outlets
Dine
Attractive dining deals for you and your family
Fun
Have great fun with your family and enjoy exciting deals from Singapore's popular attractions.
Financial Benefits
FlexiPlan
Split your purchase(s) over 3, 6 or 12-month interest-free instalments for a minimum combined amount of S$500
Pay $mart
0% Interest-Free Instalment Payment plan, gives you what you desire and only to pay a minimum outlay every month
Platinum Rewards
With Reward Points, you can fully indulge in the Rewards Programme which brings you a whole host of unique features
Entertainment
Receive an exclusive 15% discount on the ANZ StarCash prepaid card (worth S$200 in stored credit) when you purchase the prepaid card with your ANZ Credit Card. You can now save more when you refuel at any Caltex service station.
Enjoy 25% off ANZ Movie Treats Card at Golden Village
20% off selected attractions at Sentosa
All applicants must be between 21 & 65 years of age with a minimum annual income of S$30,000 p.a. for Singaporean or Permanent Residents and S$60,000 p.a. for Foreigners.
*Terms and Conditions apply for all credit cards promotions
LIVING THE HIGH LIFE Get up to 5% Cash Rebate everywhere you eat, shop and play
Cash Rebate on anything, anywhere
Swipe your MANHATTAN Platinum Card and get back a percentage of everything you spend on!
Get cash rebate of up to 5% on everything you spend on
Living with Platinum
Don't accept anything less than privileges beyond the ordinary! Your MANHATTAN Card gives you plenty of Platinum benefits such as the oh-so-attentive 24-hour concierge service and fabulous MasterCard golf and dining deals that will please even the skeptics.
Interest rate tailored to you
You're an individual and we want to treat you as one by personalizing your interest rate and it could be as low as 12% p.a. or up to 24% p.a.
Pay no fee for 1 year
For you, we've waieved the annual fee for one year. That's the least we could do to make you feel most welcome. Supplementary cards are free for life as long as your MANHATTAN Card is valid!
Zero % Installment
0% interest and up to 24 months to pay for anything worth $500 and more from partcipating merchants
Enjoy exclusive privileges all year round.
Enjoy fantastic dining deals at your favourite restaurants, indulge in some retail therapy and pamper yourself with tempting treats at luxury spas. Just remember to call ahead to make a reservation with your Standard Chartered Card.
Eligibility Criteria:
All applicants must be 21 to 60 years old.
Singapore Citizens and Permanent Residents: minimum annual income of S$30,000
Foreigners with Employment Passes: minimum annual income of S$36,000
Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
Q Pass holders must have minimum one year validity remaining on their passes
Intro APR and Intro Period
Annual Fee
6.88% p.a. for 6 months or 8.88% p.a. for 12 months
Visa Platinum Privileges
Standard Chartered Visa Platinum card members get access to more than 350 of the best golf courses throughout Asia Pacific with stay-and-play privileges and discounted green fees. You’ll also enjoy a host of privileges from the world's leaders in travel and leisure as well as the finest dining experiences at over 250 celebrated restaurants throughout Asia Pacific
MasterCard Platinum Privileges
The MasterCard Platinum collection inlcudes an assortment of leading hotels, golf courses, restaurants and merchants.
Enjoy exclusive privileges all year round.
Enjoy fantastic dining deals at your favourite restaurants, indulge in some retail therapy and pamper yourself with tempting treats at luxury spas. Just remember to call ahead to make a reservation with your Standard Chartered Card.
Accumulate your Std$ to redeem a host of exciting rewards in our Rewards Programme
Transform your spend into reward points to redeem incredible rewards from the finest names in shopping, dining and travel.
24-Hour Platinum Concierge
You are an individual on the move. So let someone else take care of your daily needs like travel assistance, reservations, shopping and gift services. Our concierge and customer service is available round-the-clock to help make life easier for you.
2X Salary Advance Line of Credit
Your Platinum Card comes with a complimentary Salary Advance Line of Credit which gives you up to two times your monthly salary. That’s cash on hand, whenever you need it.
Funds Transfer
With our Funds Transfer at 6.88% p.a. for 6 months or 8.88% p.a. for 12 months, you can have everything your heart desires and more!
24-hour Card Replacement
Have your card replaced within 24 hours from the time you report the loss.
Fraud Alert
Standard Chartered will alert you of any unusual card activity giving you added security.
24-hour Phone & Internet Banking
Bank with us hassle-free from your office or the comfort of your home.
Eligibility Criteria:
All applicants must be 21 to 60 years old.
Singapore Citizens and Permanent Residents: minimum annual income of S$30,000
Foreigners with Employment Passes: minimum annual income of S$36,000
Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
Q Pass holders must have minimum one year validity remaining on their passes
Intro APR and Intro Period
Annual Fee
6.88% p.a. for 6 months or 8.88% p.a. for 12 months
Two-year annual fee waiver and free supplementary HSBC Gold Credit Card for life
Greater savings at Caltex, Cold Storage and Golden Village cinemas
Amazing dining deals with your HSBC Gold Credit Card
Shopping, dining and lifestyle deals at over 1,800 outlets in Singapore with HSBC home&Away Privileges
All applicants must be at least 21 years of age.
For Singaporeans or Permanent Residents, a minimum annual income of S$30,000 is required.
For self-employed or foreigners, a minimum annual income of S$40,000 is required.
If you do not meet the income requirement, a minimum Fixed Deposit Collateral of S$10,000 is required.
* Terms and conditions apply
Intro APR and Intro Period
Annual Fee
2.50% p.a. for 6 months OR 5.88% p.a. for 12 months
Receive S$128 Isetan gift voucher* upon approval.
ANZ MoneyLine is a flexible line of credit that empowers you to do more with a term loan, overdraft facility or both. This unique 2-in-1 facility gives you the power of extra cash for whenever you need it for all your lifestyle choices.
Enjoy low monthly repayments with MoneyLine Term Loan.
MoneyLine Term Loan is a personal loan that gives you
Greater savings with low interest rates
5.8% p.a. for 12 months (Effective interest rate: 11.98% p.a.)
6.8% p.a. for 24 months (Effective interest rate: 13.27% p.a.)
7.8% p.a. for 36 months (Effective interest rate: 14.66% p.a.)
8.8% p.a. for 48 months (Effective interest rate: 15.99% p.a.)
Choose to repay on a 12, 24, 36 or 48-month term in fixed and equal monthly instalments.
Longer repayment tenure of up to 48 months
Greater control over your cash with a fixed monthly repayment plan
Extra cash of up to S$100,000^ to fulfill all your needs and desires
Enjoy the flexibility of paying just 3% of your outstanding balance or $12 (whichever is higher) at any time or the full instalment amount.
Interest is calculated on a front end add-on method. A one-time upfront processing fee of S$80 applies for each approved MoneyLine Term Loan application. An early repayment fee of S$150 is applicable for full repayment before end of loan tenure.
The effective interest rate (EIR) is calculated taking into consideration the S$80 processing fee and based on approved loan amount of S$10,000
*Terms and conditions apply
^ Credit limit is subject to a maximum of up to 4 times monthly income.
Enjoy the following privileges that come standard with your card:
Special travel deals
Enjoy exclusive dining privileges and fine cuisine in the company of your loved ones with your ANZ Personal Card.
Enjoy 3-year annual fee waiver for yourself and supplementary cardmember
Enjoy the convenience of paying your Income Tax with your ANZ Personal Card. You get the choice of making a one-time payment or monthly instalments and earn Rewards Points at the same time.
0% Interest-Free Instalment Payment plan, gives you what you desire and only to pay a minimum outlay every month
Transport rebates on MotorPay, EZ-Reload and Comfort Taxi
Travel Insurance
All applicants must be at least 21 years of age with a minimum annual income of not less than $30,000 p.a. for Singaporean or Permanent Residents and $60,000 p.a. for Foreigners.
Terms and Conditions apply for all credit cards promotions
Total Card Billings and Bad Debts Written Off
Total card billings for 2010 is S$30.94 billion with rollover balance of S$4.0 billion. Whereas the total card billings for 2011 is at S$35.23 billion, with rollover balance of S$4.53 billion.
Overall, the total billing increased by 13.87%, and rollover balance increased by 13.25% compared to 8.11% a year ago.
Bad debts written off for Singapore credit and charge card in 2010 is S$178.5 million. In 2011 the bad debts written off has decreased by 1.29% or S$2.3 million to S$176.2 million.
Charge-off rate in year 2011 decreased to 4.1% from 4.6% in year 2010.
Monthly Statistics Update
As of 31st January 2012, there are 6,944,300 of main cardholders and 1,455,805 of supplementary cardholders in Singapore.
The number of main cardholders increased by 0.88% or 60,307 compares to 6,883,993 cardholders as at 31st December 2011.
Whereas the number of supplementary cardholders increased by increased by 0.38% or 5,523 compares to 1,450,282 cardholders as at 31st December 2011.
Total card billings for January 2012 is S$3.0121 billion with rollover balance of S$4.5805 billion, and S$16.1 million bad debts are written off in the month.
As of 29th February 2012, there are 7,005,969 of main cardholders and 1,463,335 of supplementary cardholders in Singapore.
The number of main cardholders increased by 0.89% or 61,669 compares to 6,944,300 cardholders as at 31st January 2012.
Whereas the number of supplementary cardholders increased by increased by 0.52% or 7,530 compares to 1,455,805 cardholders as at 31st January 2012.
Total card billings for February 2012 is S$2.9158 billion with rollover balance of S$4.6162 billion, and S$16.5 million bad debts are written off in the month.
Selection Criteria and Payment Habit
The main drivers for credit card selection criteria among Singaporeans are convenience of use and protection, economics, and flexibility. Females were shown to value the promotional factor more, while males preferred the economic factor.
In Singapore, the higher income earners, the better educated, older adults, females, married, and both Chinese and Indians are more receptive to paying their monthly credit card balances in full.
Financial Crisis and Credit Cards
During financial crisis, the credit card issuers are extra cautious in issuing new credit cards. It is much harder to get a new credit card nowadays when news of old accounts are closed or reduced in credit limits is common.
We've been working hard to get credit card issuers in Singapore to participate with us in acquiring new credit card customers. Bookmark this page and come back often to check if there are new credit cards added which may suit your needs.
Below is some credit card offers you may be interested. Check it out and get one yourself if you like it. The offer may not last foerver considering the volatile economy may continue for months(if not years) to come.
Credit and Charge Cards in Singapore 2009-2010
In accordance to MAS credit and charge card statistics, there are 5,418,553 of main cardholders and 1,284,064 of supplementary cardholders in Singapore as at December 2009. As of December 2010, there are 6,141,870 of main cardholders and 1,378,817 of supplementary cardholders in Singapore.
This shown the number of main cardholders has jumped by 723,317 or 13.35% in 12 months, a faster rate compared to previous few years. This is inline with the recovery of global economy. On the other hand, the supplementary cardholders
has increased by 94,753 or 7.38% in the same period.
At the end of June 2011, there are 6,462,254 main cardholders, an increase of 320,384 or 5.22% in 6 months period compares to 6,141,870 in December 2010. Supplementary cardholders stood at 1,400,882 at the end of June 2011, an increase 22,065 or 1.6% compares to 6 months ago.
At the end of of October 2011, there are 6,765,772 main cardholders, an increase of 623,902 or 10.16% in 10 months period compares December 2010. Supplementary cardholders stood at 1,435,325 at the end of October 2011, an increase 56,508 or 4.1% compares to 10 months ago.
Total card billings for 2009 is S$26.03 billion with rollover balance of S$3.70 billion. Whereas the total card billings for 2010 is at S$30.94 billion, with rollover balance of S$4.0 billion.
Overall, the total billing increased significantly by 18.86%, and rollover balance increased by 8.11%.
Bad debts written off for Singapore credit and charge card in 2009 is S$183.9 million. In 2010 the bad debts written off has decreased by 2.94% or S$5.4 million to S$178.5 million.
Charge-off rate in year 2010 decreased to 4.6% from 5.2% in year 2009.
Credit and Charge Card Statistics Singapore 2008-2009
In accordance to MAS credit and charge card statistics, there are 5,055,387 of main cardholders and 1,222,396 of supplementary cardholders in Singapore as at December 2008. As of December 2009, there are 5,418,553 of main cardholders and 1,284,064 of supplementary cardholders in Singapore.
This shown the number of main cardholders has jumped by 363,166 or 7.18% in 12 months, a slower rate compared to previous few years. This is expected due to global financial crisis where card issuers are more prudent and many old accounts are closed. On the other hand, the supplementary cardholders
has increased by 61,668 or 5.04% in the same period. As of October 2010, there are 6,022,786 main cardholders and 1,369,820 supplementary cardholders.
Total card billings for 2008 is S$25.66 billion with rollover balance of S$3.38 billion. Whereas the total card billings for 2009 is at S$26.03 billion, with rollover balance of S$3.70 billion.
Overall, the total billing increased marginally by 1.44%, and rollover balance increased by 9.47%.
Bad debts written off for Singapore credit and charge card in 2008 is S$115.4 million. In 2009 the bad debts written off increased by a whopping 59.36% or S$68.5 million to S$183.9 million.
This is the effect of global financial crisis which hit hard on the employment sector and the economy in 2009.
Charge-off rate in year 2009 increased to 5.2% from 3.6% in year 2008.
Credit and Charge Card Statistics Singapore 2007-2008
In accordance to MAS credit and charge card statistics, there are 4,471,517 of main cardholders and 1,174,595 of supplementary cardholders in Singapore as at December 2007.
As of December 2008, there are 5,055,387 of main cardholders and 1,222,396 of supplementary cardholders in Singapore.
This shown the number of main cardholders has jumped by 584,870 or 13.06% in 12 months, while the supplementary cardholders has increased by 47,801 or 4.07% in the same period.
Total card billings for 2007 is S$22.64 billion with rollover balance of S$2.98 billion. Whereas the total card billings for 2008 is at S$25.66 billion, with rollover balance of S$3.38 billion.
Overall, the total billing increased by 13.34%, and rollover balance increased by 13.42%.
Bad debts written off for Singapore credit and charge card in 2007 is S$108.9 million. In 2008 the bad debts written off increased by 5.97% to S$115.4 million. Charge-off rate in year 2008
decreased to 3.6% from 3.9% in year 2007. Charge-off rate for the year is defined as the bad debts written off during the year divided by the average rollover balance for the same year.
Compare and Apply Online for Credit Cards Worldwide
All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.