Which credit card should I get as a fresh grad?

Starting my first job soon. I've no choice but to use OCBC 360 for my savings account as OCBC's the only bank my company will credit my salary to.

Should I use an OCBC credit card to increase my interest rate by 0.3%, or use a different credit card and forgo the 0.3%? I do not think that I am able to hit the minimum spend of $800 with the OCBC 365 card nor the $400 offline spend on the FRANK credit card. My only option left is the OCBC Titanium card which does not seem attractive to me. Thanks!

OCBC 365 Credit Card OCBC 360 Account

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Glenn Toh

18 Jun 2019

Founder at Whatcard.sg

If you are unable to hit the minimum spending, you may be better off working with miles cards that typically have no minimum spend.

I would suggest going with the DBS Womans World Card (4mpd on all online spend) + DBS Altitude (1.2 mpd for everything else) that will provide pretty decent rewards if you are able to shift as much spending as possible (e.g. shopping, gifts) to online to get the bonus miles. DBS points are also pooled (rewards from both cards go into a central pool) so you can withdraw them in a single transaction.

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Jia

04 Jun 2019

For OCBC 360, to get the 0.3%, you need $500 min credit card spending. If you don't usually hit $500 for expenses per month (dining, bills, purchases etc), I suggest to forgo the 0.3%.

Other credit cards to consider: