Advice on first time credit card application

Hi guys, would like to seek some advice on what credit card would be suitable! I've recently started my first job and am looking to maximise interest rates i can get by using a credit card tied to a savings account (in my case, UOB one account and a UOB credit card). Im looking for a rewards/miles card, and I am typically a low spender that shops online (both overseas and local). But i also intend to travel alot so i forsee myself making lots of purchases for airtickets/hotels too. I'm looking at the UOB Lady's card, Privi Visa miles card, or the preferred platinum visa card. Any advice on which card i should use for normal spending, and which for travel expenditure?

UOB Lady's Credit Card UOB One Account UOB Preferred Platinum Visa Card UOB PRVI Miles Visa Credit Card

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RTZG

20 Nov 2022

Depends on what you prefer.

take into account your salary crediting bank, spending, investment, insurance, housing loan to unlock higher % tier.

Do also consider if you want miles, points or Cashback for your credit card spendings.

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stonechat

17 Nov 2022

Don't get a ladies' cards. I used to have these when I first started working. All the promo and marketing aimed at females make you spend more. You should look for a card that can maximise cashback or give bonus on everyday spending near your workplace/home. Since you have the UOB One Account, it makes sense to get the UOB One Card. You can inform HR to bank in your monthly salary and spend minimum $500 on this card to get cashback and bonus.

For travelling, unless you travel 10 times a year, it really doesn't make sense to get a credit card with travel perks. Your first and primary card should help you to save on everyday spending. These special platinum cards has higher annual fees and high minimum spending.

Another card you can considered is Trust Credit Card. There's no annual fee and no minimum spending. It's super easy to apply through the app. You can use the digital card almost immediately. Here's a referral code if you intend to apply for this card: EVQV1PHJ. You can get a $10 Fairprice E-Voucher when you sign up with this code.

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