What are your thoughts on credit card standard chartered smart? And with 3k savings is it achievable to meet 10k with just normal savings account in Singlife? & salary of 2.8k to use a cc is it safe?

Yes singlife is pretty good at 3% now.

salary of 2.8k no issue to use CC but please use it like a debit card ie dont spend more than u earn / have

Smart card is not very smart, IMO. Its high advertised cashback/miles rate is not very useful since its main earning categories are SimplyGo, subscription services (Netflix/Disney), and fast food/coffee. For the bulk of your daily spending ie groceries, dining, shopping, you wont get to earn high cashback/miles.

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You don't need 10k savings to use Singlife, it's just the capped amount that earns high interest. But there are better options available now like CIMB fastsaver or OCBC 360.

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You should only use a credit card if you have financial discipline and don't have spending tendencies. If you're scared, you can set a low credit limit on your card. Otherwise, just avoid a credit card. No amount of rewards is worth the credit card debt if you let your spending go out of control.