Choosing a credit card

Here are some credit cards you can consider for young professionals:

Card 1: Standard Chartered Unlimited Cashback

• 1.5% cashback on all spend, no cap on cashback

Card 2: Citi SMRT Card

• 5% cashback on auto-top ups for EZLink

• 5% cashback on qualifying online spend

• 5% cashback on groceries

• Min spend of $500 to qualify for cashback

• Maximum $600 cashback per year

Card 3: UOB Evol Card

• Up to 8% cashback for online spend, mobile contactless spend (i.e. paying via apps like Google Pay). and 0.3% cashback on all other spendCapped at $60 per month.

• Min. spend of $600 to qualify for cashback

If you're starting a business, you can also read this guide on the best SME credit cards for business owners: https://www.providecover.com/12-best-sme-credit...

Hi Terence,

It seems like you're looking for a DBS credit card, and based on your replies to the previous post, you're unsure of whether you want to earn miles or cashback, and you don't spend a lot.

In such a case, I'd recommend going with a rewards card, because it gives you the flexibility to choose between redeeming miles or cash vouchers. Personally, I don't think DBS' credit cards are great, but if you really want to pick one, I'd recommend DBS Altitude. Even though it's marketed as a miles card, it actually earns DBS Points, which can be redeemed for miles, but not restricted to it. The nice thing about the DBS Altitude is that the points you earn with it will never expire, so you don't have to worry about that. There is also no minimum spending to earn points.

Hope this helps!

Regards,

thefrugalstudent