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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 4,472,262 of main cardholders and 1,173,988 of supplementary cardholders in Singapore as at December 2007.
As of December 2008, there are 5,056,582 of main cardholders and 1,221,333 of supplementary cardholders in Singapore.
This shown the number of main cardholders has jumped by 584,320 or 13.07% in 12 months, while the supplementary cardholders has increased by 47,345 or 4.03% in the same period.
Total Card Billings and Bad Debts Written Off
Total card billings for 2007 is S$22.64 billion with rollover balance of S$3.01 billion. Whereas the total card billings for 2008 is at S$25.66 billion, with rollover balance of S$3.42 billion.
Overall, the total billing increased by 13.34%, and rollover balance increased by 13.62%.
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.
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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 cash advance fee
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
S$1.50 OFF per ticket with purchase of 2 tickets at Shaw Theatres
Transport rebates on MotorPay, EZ-Reload and Comfort/CityCab
RBS Credit Cards are issued by ABN AMRO Bank N.V.
* No annual fee ever, if the card account is active through any transactions over a period of 12 months or such other period as we may determine from time to time.<
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
Simply sign up for an HSBC's Revolution credit card online now.
Your HSBC's Revolution credit card comes with Visa payWave™ feature and a two-year fee waiver.
A personal internet banking account that lets you manage all your accounts online conveniently.
Plus lifestyle privileges like a free pair of movie tickets every month, S$2 off your taxi fares monthly and 3 or more books at 25% off monthly at MPH.
Over 50% savings at kr+ hairdressing, Orpheus Dive Scuba Centre and many more fabulous offers!
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 0% p.a. Upfront processing fee of 2.35% applies.
Enjoy a free pair of movie tickets(worth 3,000 Rewards points) when you sign-up.
Eligibility Criteria:
Minimum Age: 21
Salaried: at least S$30,000 per annum or draw at least S$2,500 basic salary per month
Self-Employed: at least S$40,000 per annum
Foreigner residing in Singapore: minimum annual income of S$40,000 per annum and an employment pass validity of at least one year are required.
MoneyLine Term Loan is a personal loan that gives you
Greater savings with low interest rates
Interest rates from as low as 0.57%* per month with a repayment tenure of up to 36 months.
For 0.57% per month for 12 months, the effective interest rate is 14.22%p.a.
For 0.65% per month for 24 months, the effective interest rate is 15.34%p.a.
For 0.75% per month for 36 months, the effective interest rate is 16.61%p.a.
Choose to repay on a 12, 24 or 36-month term in fixed and equal monthly instalments
Longer repayment tenure of up to 36 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
Flexibility to pay just part of the instalment when needed
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 rate of 0.57% per month is applicable to 12-month loans.
^ 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
24-hour global concierge services, home emergency and vehicle assistance hotline
Rewards Points are valid for 3 years
Enjoy 3-year annual fee waiver for yourself and supplementary cardmember
Complimentary MoneyLine with 1st year annual fee waiver
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/CityCab
Travel Insurance
RBS Credit Cards are issued by ABN AMRO Bank N.V.
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
Apply now and get a S$60 dining voucher & three 1-for-1 treats from JP Pepperdine!(Apply between 3 March - 30 April 2010)
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
24-Hour Global Concierge Service
Golf
Complimentary green fees at 5 premier golf clubs in Singapore, Malaysia, Thailand and China. No paying guest required.
Discounts and privileges at selected golf apparel / merchandise outlets
Dine
Attractive dining deals for you and your family
Fun
Discount off admission to Singapore Zoo, Singapore Flyer and other 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
Platinum Rewards
Every S$5 spent on your RBS Platinum Card earns you 1 Rewards Points. With 5 years validity for the Rewards Points, you can fully indulge in the Rewards Programme which brings you a whole host of unique features
Terms and conditions apply for all promotions
RBS Credit Cards are issued by ABN AMRO Bank N.V.
All applicants must be between 21 & 65 years of age with a minimum annual income of $50,000 p.a. for Singaporean or Permanent Residents and $90,000 p.a. for Foreigners.
Terms and Conditions apply for all credit cards promotions
HSBC welcomes you with up to a S$40 cash rebate*!
Be rewarded with S$10 cash rebate when you receive your new HSBC Platinum credit card.
Get additonal S$30 cash rebate by simply charging three transactions to the same credit card every month, up to the fourth month of card issuance.
The cash rebates will offset your next credit card statement!
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 fee waiver** with an opportunity for perpetual fee waiver
All applicants must be at least 21 years of age with a minimum annual income of at least $$50,000 p.a.
* Terms and conditions apply
**Two-year annual fee waiver
Annual fee is waived for the first year. To qualify for the second year annual fee waiver, a minimum of five transactions must be charged to your Platinum credit card account within a stipulated one-month period.
To qualify for the subsequent annual fee waiver, a minimum annual spending of S$12,500 must be made on the Platinum credit card account.
Balance transfers, tax payments, annual fees, bank charges and unposted, cancelled, disputed and refunded transactions are excluded from the calculation of the spend requirement.
HSBC welcomes you with up to a S$20 cash rebate*!
Be rewarded with S$5 cash rebate when you receive your new HSBC Gold credit card.
Get additonal S$15 cash rebate by simply charging three transactions to the same credit card every month, up to the fourth month of card issuance.
The cash rebates will offset your next credit card statement!
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
Exclusive home&Away Privileges
All applicants must be at least 21 years of age with a minimum annual income of not less than:
S$30,000 p.a. for Gold Visa and MasterCard Credit Card
S$40,000 p.a. for self-employed and foreigners residing in Singapore
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.
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.