The financial market is filled with credit cards of all types such as rewards credit cards, cash back credit cards and more. But whenever you decide to select one, you might get questions like “which credit card in Singapore should I select?”, “Which is the best credit card for my expenses?”, and so on. In this article, we will offer you answers to such questions. 

You can get the most out of your credit cards if you use them smartly. Now, to know which credit card in Singapore will fit your requirements the best, you can check out some of the tips given below:

Will a credit card fulfill my needs?

Before you select a credit card, you must list down the reasons for which you want to apply for one. Do you need a credit card to pay your utility bills, grocery bills, or do you want one to get discounts on your online shopping spends, staycations, and more? Once you have a clear understanding of your needs, you can filter out the best credit cards from the wide available range of cards and make your choice easily.

Privileges and rewards

Many credit cards in Singapore are loaded with privileges and rewards. These added perks can help you save money and get a host of lifestyle, entertainment, dining, and other such benefits. If you want to get a credit card that offers exciting rewards and offers, you may wish to have a look at the ones that are specifically created to offer such benefits. You can accrue such redeemable points to get cash rebates and use them to off-set purchases. Some credit cards even offer annual fees waiver for the first year. So, if you intend to save money, you can specifically opt for those.

Check your eligibility

Your annual income can play an important role when it comes to selecting a credit card. When you select one, just make sure to check on your eligibility requirement. You can also check the annual fees for each of your selected credit cards and the interest that has been applied to each. As a result, you can filter out all the ones that do not match your requirements.


After you select the best credit card for your needs, you can apply for it online. However, make sure that you also use it wisely. To ensure efficient usage, you can start by paying your bills on time and by not maxing out your available credit limit. This way, you can enjoy all the benefits and privileges to the fullest.

The content reflects the view of the author of the article and does not necessarily reflect the views of Citi or its employees. Please read the products and offers on Citi Singapore website for accuracy or completeness of the information presented in the article. 

Last modified: September 17, 2021