COMPARE CREDIT CARD DEALS AND CHECK YOUR ELIGIBILITY
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YOUR ULTIMATE CREDIT CARD GUIDE
MILES CARDS
Turn your everyday spending into your next holiday. Discover which miles cards give you the best value for your travels.
CASHBACK CARDS
Get money back on what you’re already buying. Find cashback cards that match your spending habits – from groceries to dining to transport.
CARD PROMOS
Why pay full price? Access the latest sign-up bonuses and special deals that you may not know about. We update the information monthly.
HOW DO CREDIT CARDS WORK?
Credit cards provide you with a convenient and flexible solution for borrowing money. They offer you with a way to buy goods and services and pay for them later.
When you take out a credit card, you’ll be given a credit limit. This is the maximum amount you’re allowed to spend using the card.
If you pay off your monthly balance in full, you won’t be charged any interest. But if you only pay part of what you owe, the remaining amount is carried over to the next month – and you’ll be charged interest on the whole balance.
There will also be a minimum amount that you’ll need to pay off each month, if you do not clear the entire balance.
USE OUR SMART SEARCH TO FIND CREDIT CARDS YOU’RE MORE LIKELY TO BE ACCEPTED FOR
Quickly filter cards that match your profile — no guesswork, just smarter results.
WILL INTEREST RATE CUTS MAKE BORROWING EASIER?
Yes — when interest rates are cut, borrowing usually becomes cheaper. This can lead to lower monthly repayments on loans like home mortgages, car loans, and personal loans.
In Singapore, interest rates are influenced by global benchmarks like the US Federal Reserve’s rates. So, if the Fed cuts rates, local banks may follow with lower rates, making it easier and more affordable to borrow.
However, approval still depends on your credit score, income, and debt levels — not just the interest rate environment.
CAN YOU GET A CREDIT CARD WITH A BAD CREDIT SCORE?
Having a low credit score can make it harder to get approved for a credit card in Singapore. However, you still have options.
Some banks offer credit cards designed for people with limited or poor credit history, often known as credit builder cards. These cards are meant to help you rebuild your credit profile by showing that you can manage repayments responsibly.
Do note that credit builder cards usually come with higher interest rates and lower credit limits, so it’s important to use them wisely.
To improve your credit score, always try to pay your bills on time, clear your balance in full each month, and stay well below your credit limit. Avoid racking up unnecessary debt, and over time, your credit standing can improve.
COMPARE CREDIT CARDS EASILY IN 4 STEPS
There are plenty of options to choose from, but it’s important you find the right card for your needs.
Browse cards available
Easily browse tailored credit card matches with our smart search tool.
Provide your contact details
Basic info such as your name, date of birth and email address.
Let us know where you live
Tell us whether you’re a homeowner and how long you’ve lived at your address.
Tell us about your finances
We’ll need to know your employment status and annual income.
WHAT TYPE OF CREDIT CARD IS BEST FOR YOU?
Different credit cards suit different needs. The best one for you depends on how you plan to use it and your ability to repay.
Balance transfer cards offer low or 0% interest for a limited time—great for clearing existing debt.
0% interest purchase cards help spread the cost of big-ticket items without paying interest upfront.
Rewards or cashback cards are ideal if you pay off your balance in full monthly—you can earn air miles, points, or cashback as you spend.
It’s always smart to compare your options before applying—choose a card that fits your lifestyle and financial goals.
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FREQUENTLY ASKED QUESTIONS
Yes, multiple applications in a short time can temporarily lower your credit score. It’s better to compare and apply only for the card most suited to your needs.
Yes, several banks in Singapore offer cards with no annual fees, either permanently or as a promotion. Some also waive the fee if you meet minimum spending requirements.
A balance transfer card lets you move outstanding debt from another card to enjoy lower or 0% interest for a limited time—helping you save on interest while you pay it off.
Most cards require a minimum annual income, typically S$30,000 for Singaporeans and S$40,000+ for foreigners, depending on the card type.
Yes, some banks offer secured cards or entry-level cards with lower limits. These are good for building your credit score.
WANT TO KNOW MORE?
by Finspire
8 min read
by Finspire
9 min read
by Finspire
8 min read
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