Asked by Anonymous
Asked on 06 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.
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).
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!
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.
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.
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.