I am a recent fresh grad who has just started my first full time job a few weeks ago. What is a suitable cashback credit card for me to apply ?
My current monthly expenses is pretty low (around 500-600 a month but trying to lower it further), with most of my spending coming from groceries, transport, food and the occasional E-Commerce purchase. I am currently considering the Amex True Cashback and the SCB Unlimited Cashback Card but am welcome for other options too. Thank you !
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AMEX True cashback is the way to go
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When your expenditure is so low, it doesn't really matter what are the benefits of the card, just get the one with the most attractive cash sign on bonus. For me, I got the Citi 1.5 card from moneysave and there was a $350 bonus. Assuming you spend 600/month so that's 7200/year, a $350 bonus is already a 4.86% Cashback and with the additional 1.5% from the card, that's a cumulative cash back of 6.5%. Just get a credit card to build up your credit score
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CIMB, UOB Amex, UOB one and Standard Chartered unlimited and Standard Chartered spree credit cards gives good cash rebates.
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Congrats on securing a job!
Beware of lifestyle creep even as you start having income and your incom...
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What have you decided eventually btw?