First Credit card for a fresh grad who just started working?

Just started working after graduating, was looking to get my first credit card, looking for the following criteria:

No Minimum spend (most minimums is at least $500 monthly which I cannot reasonably do every month)
Little to no fees

Cashback rewards preferred, I don't really travel enough for Miles to be worth it for me. Though, anything that prioritises rewarding cashless MRT payments would be particularly useful for me.

Any recommendations?

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I.L.

Edited 21d ago

SC smart credit card for specific merchants, simply
HSBC revolution card for online specific retails
Mari bank credit card for general spending
Trust bank cashback card for general spending, fx transaction.

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zheyan kok

21d ago

If mrt transport are your top priorities now, getting the standard chartered smart card seems good now with no annual fee, no minimum spend and 6% cashback albeit in reward points in which you have to convert to

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YOC

Edited 22d ago

As mentioned by others, go for those no min spending cards that wil give 11.5-1.6% cash back. alternatively, if you always spend on those few merchants, you can consider topping up their wallets for extra cashback, sometimes it can go to a few %.

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Debbie

24d ago

Hi, i would recommend UOB Absolute Cashback. No min spending requirements and this card allows cashback from categories excluded by other cards such as insurance payments and medical bills another option might be Citi Cashback +. no min spending requirements too. you can compare other credit cards here to make your decision

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Bruce Wang

24 Sep 2024

I would say go with Citi Rewards + Amaze, although it's mostly seen as a miles card, you can actuall...

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