I just started working, when can I apply for my first credit card? And any recommendations for the best one to choose?

To answer the when question: You'll be able to apply once 3 months' worth of payslips or CPF statements prove that your income meets the minimum criteria for the card you intend to apply for.

As for what to apply for, it really depends on your spending habits, whether you're a miles or cashback person, and whether you have any bank preferences.

For your first credit card, also be sure that you manage your finances well! Consider setting the credit limit low first until you need to make big purchases, like maybe when you get a house. And remember to pay your bills on time, set calendar reminders if you have to!

1) First of all decide if you want to go rebates or Miles camp. Trying to mix the two might becoming challenging as you might end up spending more than you need.

​

2) decide if you credit card strategy ties in with a banking account such as UOB one/DBS multiplier etc

​

3) read the reviews on seedly for credit cards

​

i would personally recommend looking at point 2 and select a CC + banking account that can give you higher int rates on your savings.

​

Good luck