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Getting a credit card as a fresh grad that started working
Hi I posted awhile back regarding this but I have tracked my spendings and see the trends of my spendings.
I earn roughly 3.2/month. I mainly use applepay to tap with my phone for everything and have not used any physical cards. These are things I spend on roughly a month.
If my spending is too little, I am considering to get a card and use it together with my dad to meet the spending criterias, which will further include NTUC grocerries/ his public transport, utilities bills.
Public transport : $50
Grab : $60
Phone bills for 4 pax : $40
Spotify/ Netflix/ Apple icloud/ google cloud : $70 total
Food : $150
Shoppee/ taobao : $150
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I do combine the bills w family to meet minimum spending on cards...
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Why mix with your dad's spending? I can't wait to be separate when I start earning independently
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If cashback is your thing: If you are able to maintain $500 spending every month, you can consider UOB ONE card to get the $50 cashback every quarter. On top of that, you can get additional cashbank when you spend on Shopee/Mcdonalds/Guardian, etc. If not, consider Citi Bank Cashback (1.6%) or MariBank credit card (1.7%), no min spending required.
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Ngooi Zhi Cheng
21 Oct 2024
Student Ambassador 2020/21 at Seedly
Congratulations on tracking your spending habits! This proactive approach is crucial as you tran...
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I recommend few credit cards for different categories:
Main reasons for these cards are no annual fee, no minimum spending.