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Oaks

Education at Private

31 Oct 2024

∙

Credit cards for fresh grads with no min spending

Hi just landed a job looking for a card with no min spending, no yearly charges.

I am looking for a card to use mainly for transport $50-60 for public transport and online shoppee/taobao purchases $100-200. And contactless apple payments. Many people recommended the SC smart card. How is it?

Also starting my braces and car liscense journey, may be spending slightly more soon, any other cards that I should think of, should I consider UOB one or OCBC 365?

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Debbie

10 Nov 2024

Hi, i would recommend UOB Absolute Cashback card. no spending requirements needed for this card but another suggestion is DBS Live Fresh card for cashback purposes. There is cashback/rebates for online spending and other expenditures. and you can earn cashback from using Paywave. but this card requires a min spend of $600 per month Some things to take note when picking a credit card would be their interest rates, annual fees, rewards & benefits and redemption flexibility. You can check out the other credit card options before making your decision.

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Billy

04 Nov 2024

Development & Acquisitions Manager at Real Estate Private Equity

Stanchart Smart Card is useful as there's no min. spend and it provides 6% cashback on public transport and fastfood spendings.

However, if your total expenditure per month exceeds $500 and you'd like to credit your salary to UOB One, that might offer a better option.

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YOC

01 Nov 2024

UOB/ OCBC both have min spending. I personally use UOB One for bills and personal spending. If you s...

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