I'm a working adult in my 30s and have never owned a credit card. I now realise the usefulness and benefits and would like to take the first step. Can anyone recommend 2 cards and why? - Seedly
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Asked on 21 May 2020

I'm a working adult in my 30s and have never owned a credit card. I now realise the usefulness and benefits and would like to take the first step. Can anyone recommend 2 cards and why?


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Hi anon,

There are two types of cards out there, those that reward cashback, and those that reward miles. You should decide which camp you wish to be in. It's not impossible to be in both, but it's probably not very efficient either.

I find that cashback, while simple to understand, is just that. A rebate of some form. Miles actually presents a kind of game that's easy to pick up but difficult to master.

Cashback, you spend, you get cash back. Done. Sometimes, you don't get a lot due to the lack of your minimum spend. Sometimes you get a lot, but then you get capped at the maximum possible cashback awarded that month. Miles, you spend, you get your miles. No matter how much you spend, a little or a lot. You are usually not capped on how many miles you can earn.

I am not a cashback person, so from my point of view, I'll only be able to suggest 2 cards for miles.

You can consider the DBS Altitude or Citi PremierMiles. Both cards give a decent rate of 1.2 miles per dollar (mpd) on general spend. You'll also want to examine your expenditure patterns and get a card that awards more on bonus spending such as dining. Such cards award 4mpd. Check out this link for more information: https://milelion.com/credit-cards/guide/

For cashback, if you really wanted a card, just pick any card that has unlimited cashback with no caps, and another which has bonus cashback upon a certain minimum spend (but you should only spend up to that amount, and then put the rest on the other cashback card). SCB Unlimited Cashback/AMEX Truecash back should be your general cashback card, but for the specialised/bonus cashback card, you will have to do a bit of research.


👍 6
Level 3. Wonderkid
Updated on 27 May 2020

If you haven't been focusing on this area for the past 10 years, my guess is that you're not too keen in tracking rewards and requirements.

Keeping thing simple if you're lazy to have the 'depends on your needs and spending talk', pick a card which pairs with your high yield savings account, and another hassle free card which is brainless and doesn't require tracking.

Sure, there may be many other cards out there, but you'll have to be willing to pay some attention to your card spending strategy.

Otherwise, simplistically:

  1. Credit card which pairs with your high yield savings account - UOB One, DBS Live Fresh, OCBC 365

  2. Simple general cashback card - Citi Cash Back+ (1.6%), or Maybank FC Barcelona (1.6%)

Miles cards are sexy and everyone talks about them, but you are probably better off with cashback unless your default travel is with business class / optimising your strategy closely. Else, you're just being upsold and tricking yourself into believing you're getting a 'free' business class ticket.​​​


👍 1
Level 3. Wonderkid
Answered on 06 Jun 2020

Maybe you can check on the different savings account available and check which one suits you best (there's a seedly savings account calculator for that), as some will require you use their bank's credit cards to hit a certain limit a month for higher interest rate.


👍 0
Level 6. Master
Answered on 23 May 2020

Personally I am more of a miles person, and my 2 favourite miles card are DBS Altitude and DBS WWMC.

  1. DBS Altitiude offers 1.2mpd (in the form of DBS poins) for general spendings with no expiry date

  2. DBS WWMC offers 4mpd (in the form of DBS points) for online spendings with 1 year validty

Personally I will transfer out my miles in DBS on a yearly basis since the points in my WWMC expires in a year, but it depends on my travel plans for that year.

In general, I would recommend miles if your spendings are not too low because it may take some time for you to accumualte miles if your spendings are low.

Also because I use DBS multiplier account, so have cards from DBS helps to get a higher interest rate for my bank account!

If your expediture is quite low and you are looking for cashback, you can consider citibank cashback+ for no miniminum spend and uncapped cashback. You can also consider SCB spree card for 2% cashback for mobile payment, contactless transcations and online spending with no minimum spend but a cap of $60 cashback a month. If you are looking to apply SCB spree card, singsaver currently has a promo where you can get free airpods with wireless charging case if you are applying through their site!


👍 0
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 21 May 2020

Hello! I understand the difficulty of taking the first step there’s so many different cards out there and so many strategies to read up on!

I use

  1. DBS Live Fresh (cashback)

This one gives me about $20-40 cashback every month, as Long as u hit $400 for online purchase and $400 for paywave. Recommended if u don’t use cash much and shop online often!

Also gave me $80 sign up bonus at that point of time.

  1. AMEX Krisflyer Ascend (miles)

  2. CITI premiermiles (miles)

Signed up for these two because I had big purchases to make so I managed to get my worth from the sign up bonuses, I racked up loads of miles for this. BUT Citibank didn’t give me the miles even though I spent 10k with their card, got me really mad cause I wasted the potential bonus miles.

If you care about customer service and ease of reaching out to them, AMEX is the place to go.

I would not recommend Citibank cuz I had really bad experiences with them, you can read about it in my review here:


Anyway if you would like to compare which credit card to get, can try out our credit card comparison tool! There are loads of community reviews, so hopefully can help you better make a decision. All the best man (:



👍 0

Miles vs Cashback

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.

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).

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.

By knowing your needs and spending habit, we can narrow down to the ones that may suit you best.

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