I just started working and want to get a credit card. Since I don’t spend a lot, what cards have good rebates/rewards that don’t have a minimum spend? - Seedly
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Credit Cards

Anonymous

Asked on 23 Oct 2018

I just started working and want to get a credit card. Since I don’t spend a lot, what cards have good rebates/rewards that don’t have a minimum spend?

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It depends on your needs and spending.

If you love travelling and don't mind delayed gratification, then go for miles card. Additionally, some miles cards allow you to pay for your purchases by using the miles (more often than not, it is not worth it). As as result, the card is highly specialised for travel usage.

For this purpose, you may consider Citi PremierMiles card.

On the other hand, if you prefer money and instant gratification, then go for cashback card. In essence, it works as simply as it should be - you spend money, and you receive a percentage back. As usual, the more you spend, the more cashback you get in return as well (not just limited to miles card).

For this purpose, you may consider Standard Chartered Unlimited Cashback card.

Personally, I rank cashback over miles (despite the fact that I travel quite a bit). And I own both cards (cashback and miles) as part of my budgeting and accounting - each card serves different purposes.

Here is everything about me and what I do best.

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Lky
Lky
Level 4. Prodigy
Updated on 22 Dec 2019

On top of Amex True Cashback and SC Unlimited, there is also HSBC Advance at 1.5% (+1% if you have a bank account with them) and Citi SMRT at up to 4.7% for many categories!

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Wilson Nid A Break
Wilson Nid A Break
Level 9. God of Wisdom
Answered on 22 Dec 2019

Amex True Cashback Card

Standard Chartered Unlimited Cashback Card

Both 1.5% cashback

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Jason Sin
Jason Sin
Level 8. Wizard
Answered on 24 Oct 2018

Amex True Cashback Card 1.5 % cashback, Standard Chartered Unlimited Cashback Card 1.5% cashback

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HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 9. God of Wisdom
Answered on 24 Oct 2018

no min sped, Amex Truecashback 1.5% or Standard Chartered Unlimited cashback card 1.5%.

best if you use DBS Debit card, 10% cash back also no min spend. Just need to use the epayment methods such as paywaive , apple/ samsung / google pay.

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Lky
Lky

22 Dec 2019

DBS debit card is 3% with $400 min spend and max $400 withdrawal.