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Credit Card

Optimising your daily spending

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Credit Card

Bank Account

YouTrip

Lau YongLe
Lau YongLe
Level 5. Genius
Answered 2w ago
You can use code GUIDESIFY5 instead, it still works!

POSB Everyday Card

Credit Card

Cashback

SG Budget Babe

R
RM
Level 4. Prodigy
Answered 8h ago
POSB Everyday Card is my first credit card. Using it lesser and lesser as the time pass. Maybe less than $100 a year. And I still managed to get the annual fee waived without any issues.

Citi M1 Card

Credit Card

M1

Citibank

FK
Fabian K
Level 3. Wonderkid
Answered 9h ago
I'm assuming the card you are referring to is the SIM card. The answer will be no because you still need the SIM card to utilise a SIM only plan.

Credit Card

Not sure if the activation is still valid after a year. Why not give the customer service a call and see if the card is still usable? Here is everything about me and what I do best.

Credit Card

Debit Card

MileLion

SG Budget Babe

GL
Geraldo L.
Level 5. Genius
Answered 10h ago
If you are unable to control your spending, then use Debit Cards instead. While the incentives are far more attractive for credit cards, it wouldn't make sense to enjoy those rewards and end up having to paying interest for overdue payments.

Credit Card

AS
Andy Sim
Level 4. Prodigy
Answered 11h ago
In general, it will affect your credit score but only to a small extent. Not enough to have a big impact. More importantly is whether you pay your bills on time and whether in full. I'd suggest not to apply for a cc just for the rewards. Please do an analysis whether the card suits your lifestyle then apply accordingly based on needs. Rewards that come with the CC is a bonus.

Credit Card

Grab

UOB One Card

L
LWJ
Level 6. Master
Answered 11h ago
Yes. Grab topup basically has zero reward for UOB One from 16th Mar.

AMEX Gold Card

Credit Card

MileLion

Miles

R
RM
Level 4. Prodigy
Answered 11h ago
Nope. It is just a very pretigious card that provides concierge services.

GrabPay Card

Grab

Credit Card

Shanty
Shanty, Competitive coffee drinker at ShopBack
Level 4. Prodigy
Answered 23h ago
(Anecdotally speaking), the best bang for your buck seems to be using the points for $5 ride vouchers. Disclaimer: I haven't done the math on this, so there might be other rewards you can redeem that might have a better mathematical value :)

Credit Card

Debit Card

MileLion

SG Budget Babe

GL
Geraldo L.
Level 5. Genius
Answered 13h ago
Hey Dion, a good indication for me when i have too many credit cards is when it becomes a hassle to keep track of the credit card bills to be paid every month. A good practice is also to try and align your billing cycle for all your credit cards at the beginning or end of the month so that you won't forget to pay them.
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