Hi! Not sure if SGUnited Trainees are able to apply for credit cards. If they do, could you please advise which card to go for! :)?

Hello Anon :)

I wrote this article about whether _SG United Trainees Should Contribute to CPF _heh.

https://blog.seedly.sg/sgunited-traineeships-cpf/

Called IRAS and CPF to check, SG United Trainees are technically not allowed to apply for any credit cards as the money they receive is an allowance and not considered a salary per se.

But, my colleague did try to call up the banks to check, and they said they might approve it on a case by case basis.

And to quote someone "You miss 100% of the shots you don't take."

You can consider cashback cards like:

DBS LiveFresh

OCBC Frank

UOB One Yolo Card

These cards are popular amongst graduates due to their low minimum spend amounts and decent cashback percentage on offer.

For more information, you can check out our reviews of credit cards:

https://seedly.sg/reviews/credit-cards

Hope this helps!

There are credit cards for lower-income earners such as CIMB AWSM credit card.

Requirements:

Salaried Employees:

• Age below 35: Annual income of S$18,000

Benefits:

• 1% cashback on dining, entertainment, online shopping, and telco

• Exclusions include spend on insurance & utilities

• No minimum spend requirement

• No cap on earnings

• S$500 credit limit

• Access to CIMB Deals & Discounts across SE Asia

Full review here: https://www.valuechampion.sg/cimb-awsm-card-review