I just started working, when can I apply for my first credit card? And any recommendations for the best one to choose? - Seedly
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Asked on 20 Aug 2018

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


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Cherie Julianne Tan
Cherie Julianne Tan, Former Content Strategist at Seedly
Level 6. Master
Answered on 20 Aug 2018

Hoho, I am in the same boat as you. Not sure if I should even get a credit card knowing how bad my spending can get. That aside, I am looking at DBS Live Fresh Credit Card to help qualify for higher interest earn on my savings with DBS Multiplier.

If I am not wrong, they are having a promotion right now for every sign up for DBS Live Fresh card, you get $100 cashback or 20% rebates - although spending $600/month (their requirement for the first month to get $100 lol) is WAY above how much I would like myself to spend.

I am looking at DBS only because I am already holding a DBS Multiplier. But if you are unsure where to begin, you can look at the some of the best savings account available and look at their requirements (some has min. cc spending to earn a higher interest on your savings).

Good luck!


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Eric Chia
Eric Chia, Senior Financial Consultant at Prudential
Level 6. Master
Answered on 20 Aug 2018

Think you need at least three months' salary! OCBC 365 and UOB One are popular if you are looking at higher interest savings plans!



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Jeff Yeo
Jeff Yeo, amateur Social contributor at School of social sharing
Level 7. Grand Master
Answered on 23 Aug 2018

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


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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!

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Steph Yeo
Steph Yeo

22 Aug 2018

Oh i forgot to add, check seedly reviews of credit cards to help you decide! May also be helpful to pair credit cards w affiliated savings accounts so read reviews of savings accounts too(: