I currently do not own any credit card. I use my parent's supplementary card at the moment but i am thinking of getting my own. Is there any recommendation?

OCBC 365 credit card for cashback

UOB One Credit card for cash back (quarterly rebate)

Two cards for Miles

1. UOB Priv Miles card (best return on a general use basic)

2. Citi Premiermiles card (Miles do NOT expire)

I uses these 2 cards. UOB for most spending because it has the best returns.

And Citibank Premiermiles because the card earn miles that do not expire.

I like to accumulate them for future, in case I need to splurge on some special events or for some love ones.​​​

Yes I would, just not to rely on parents!

And also if I were to buy something, parents won't be tracking expenses ;)

If you can meet minimum spending of $500/600 every month - UOB One or DBS Livefresh

If you can't meet the minimum spending - AMEX True Cashback, Standard Chartered Unlimited

If you prefer miles - UOB Lady Solitaire, DBS Altitude, DBS Woman's World

Hey Sheena,

Are you currently working right now? Reason I am asking is if not, it would be hard for you to get approval for credit cards.

For F&B, Beauty & Online shopping, I recommend UOB One. They have a tie up with Grab now, 10% rebate, assuming you can spend $2000/month for 3 consecutives month (otherwise, it would be 3.33% + 5% Grab rebate if you just spend $500/month for 3 consecutive month).

For travelling and spending foreign currency, the miles to dollar is definitely better and I would only use miles card on that scenario. (PS, I am more of a cashback person!)