Asked by Anonymous

What's a recommended credit card for fresh graduates without credited salary?

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  • Ashley Lin
    Ashley Lin
    Level 3. Wonderkid
    Answered on 10 Jun 2018

    I agree with Gabriel. When i first started working, I relied on debit card tied to my savings acct where HR will credit salary into.

    I took time to understand the credit card system and what works best for my expenses, lifestyle before signing up for one.

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  • Goh Kah Kiat
    Goh Kah Kiat
    Level 3. Wonderkid
    Answered on 07 Jun 2018

    If you have secured a job, I would recommend getting your credit card when there's roadshows brought in by your company HR (if they conduct any). Those give the best perks / freebies from my own experience.

    However if you do not have a salary, I would agree with Gabriel's answer as it would be difficult to get one unless it's a secured credit card (ie you leave money with the card issuer).

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  • Ernest Yeam Wee Leong
    Ernest Yeam Wee Leong
    Level 4. Prodigy
    Answered 2w ago

    You can get either the Maybank eVibes Card that allow you to earn 1% cash rebates on all your purchases

    or get the DBS Live Fresh Student Card with 0.3% cashback On all spend!

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  • Aik Kai
    Aik Kai
    Level 4. Prodigy
    Answered on 13 Jun 2018

    I don't think you can get a credit card without proof of salary. If i am not wrong, it is a rule set by MAS.

    In this case, getting a debit card is your next choice. Get the debit card from the bank you have account with as you can tie the debit card to the account.

    If not, i would go for Citi Clear Card. Citi credit cards are rather popular and their dining promotions are among the better ones so this might be good for you.

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  • Dominic Chang
    Dominic Chang
    Level 3. Wonderkid
    Answered on 07 Jun 2018

    Maybank Vibes. 1% cashback on almost all expenses. 500 credit limit, if you need more sorry. You can always pay early to free up more credit. Note this is still a credit card. Defaulting on payment WILL affect your credit score.

    The alternative is citibank student card. It offers you CItibanks huge catalogue of promos. But points rewards with a limit of 500 is hard to accumulate in my oppinion.

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  • Charmaine Ng
    Charmaine Ng
    Level 5. Genius
    Answered on 07 Jun 2018

    I would suggest the Maybank eVibes.

    $500 credit with 1% cash rebates automatically used to offset your bills. Quarter service fee of $5 easily waived by using your card once in every quarter and they have a promo for Adidas watch giveaway when you sign up today :) and compared to other cards at average 0.25% rebates this is a clear winner.

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  • Gabriel Tham
    Gabriel Tham
    Top Contributor

    Top Contributor (Mar)

    Level 7. Grand Master
    Answered on 07 Jun 2018

    Maybe you can try the student credit cards or just go for a debit card.

    Most credit cards would require an income payslip to get approval.

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