I'm a fresh graduate and just started my first job. Which credit card I should use (thinking of DBS Live Fresh, HSBC Revolution, DBS Altitude and SCB Unlimited) for dining and online shopping. Advice?

You should look at it in concurrence with which savings account you are planning to put your salary in. Which can give you a better saving interest if you use their CC.

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There is a min spending though, so check if you are comfortable to spend that amount and can pay back monthly first.

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Ignore me if the account you decided don't need CC spending

It depends on your preferences. Can you hit the minumum spendings? Can you fulfil the other requirements of the various credit cards to enjoy the benefits they offer?

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I personally use the DBS Altitude card. No minimum spending, and I get free airport lounge access. The miles also do not expire. It's good for my needs. You have to evaluate your needs :)

Try to look at having a total banking relationship than just the credit card alone.

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2nd step would be to Look at joining the Cashback or miles camp. Focus spending is better than trying to achieve both.

• DBS
• UOB
• SCB
• bOC
• Maybank
• OCBC

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Are you a miles or CB person? Second what are you looking to get out of your saving accounts?

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If you are fresh out of school => Assumption is that you earn close to 3k. In that case the best savings account (w relatively lax conditions) is DBS Multiplier.

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In order to pair this off, just get the Altitude Card and the Live Fresh card. Use the Live Fresh for Paywave transactions and use the altitude card to get your miles.

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Finally....cancel the cards the next year and get something else unless they waive that annual fee for you ;)