Having a carefully selected variety of cards gives you the power to snag different rewards and credit card discounts at different merchants and retailers, thereby letting you maximise your credit card rewards. If you use your cards responsibly with finesse, your credit cards can really help you save money and earn you a ton of rewards ranging from cashback (i.e. cash rebates), vouchers, free flights and more.

With savvy usage of credit cards and making sure that you pay your bills punctually in full every month, your rewards can really add up. And that is precisely how GET.com's founders Grace and Pedro have accumulated 1 million miles which they've redeemed for 4 Business Class Round-the-World tickets worth SGD$77,000 using their credit card points.

If you are looking to sign up for a credit card or two, make sure you check out these tips that we have gathered for you on how you can get the right credit card in Singapore.

GET.com's best air miles cards

Best ForCredit Card
Most miles per $1 of local spendUOB PRVI Miles Visa Card
Most miles per $1 of overseas spendVisa Infinite Credit Card
Free conversion of rewards points to milesThe American Express® Singapore Airlines KrisFlyer Credit Card
Free VIP airport lounge accessCiti Prestige Card
Singapore Airlines fansThe American Express® Singapore Airlines KrisFlyer Ascend Credit Card

GET.com's best cash back cards

Best ForCredit Card
Restaurant dining and online shoppingCIMB Visa Signature
Retail shoppingCitibank Rewards Card VISA
PetrolCiti Cash Back Card
Personal wellnessCIMB Platinum MasterCard
Cashback for overall spendStandard Chartered Unlimited Cashback Credit Card
Hassle-free cashbackThe American Express® True Cashback Card

GET.com's Picks: 5 Best Travel Credit Cards In 2018

By now, you would have gotten the memo that all cards are not made the same. There are credit cards that give you the most miles per $1 of local spend while others may give you the most miles per $1 of overseas spend.

A handful of travel cards may convert your rewards points into actual miles for free instead of having you fork out extra money each time you convert your points prior to redeeming them for actual air miles that you can tangibly use.

Also, other more premium travel cards can give you free VIP airport lounge access in addition to travel perks such as free travel insurance.

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UOB PRVI Miles Visa Card

UOB PRVI Miles Visa Card

  • 6 miles for every S$1 spent on major airlines and hotels through Expedia, Agoda and UOB Travel; 2.4 miles for every S$1 spent overseas; 1.4 miles for every S$1 spent locally.
25% p.a.S$256.80 (Waived first year)$80,000 per annum
We least like
  • $25 conversion fee when you transfer miles to your frequent travel programmes.

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Visa Infinite Credit Card

Visa Infinite Credit Card

Visa Infinite Credit Card
  • WELCOME GIFT: Receive 35,000 miles when you apply for your Standard Chartered Visa Infinite Card.
  • Earn 3 air miles (or 7.5X points) for every $1 overseas spend with minimum $2,000 spend in a statement cycle.
  • Earn 1.4 air miles (or 3.5X points) for every $1 local spend with minimum $2,000 spend in a statement cycle.
Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. Visit on.sc/funds-transfer. T&Cs apply. With Funds Transfer, you can (i) transfer funds into any bank's current or savings account; (ii) pay your credit card bills from other banks; and (iii) pay your loan from other banks.25.9% p.a. (minimum)$588.50 (including GST)For Priority/Private Banking customers: Singapore Citizens and Permanent Residents: S$30,000 Foreigners with Employment Passes: S$60,000 For all other customers: S$150,000

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The American Express<sup>®</sup> Singapore Airlines KrisFlyer Credit Card

The American Express® Singapore Airlines KrisFlyer Credit Card

APPLY NOWAt American Express' secure website
  • Spend S$3,000 within 3 months of Card approval and receive 7,500 bonus miles.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
APPLY NOWAt American Express' secure website
24.99% per annum$176.55 (waived 1 year)$30,000 for Singapore Citizens and Permanent Residents ($60,000 for expatriates)

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Citi Prestige Card

Citi Prestige Card

  • Receive a Welcome Gift of 62,500 Citi Dollars (25,000 Miles) when you apply for a Citi Prestige Card and upon payment of the annual fee.
  • Unlimited Airport Lounge Access.
  • Global Concierge.
  • Earn 5 Citi Dollars (=2 Miles) for every S$1 spent overseas, and 3.25 Citi Dollars (=1.3 Miles) for every S$1 spent locally.
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$535$120,000 p.a.
We least like
  • Basic Card annual fee: $535 (inclusive of GST).

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The American Express<sup>®</sup> Singapore Airlines KrisFlyer Ascend Credit Card

The American Express® Singapore Airlines KrisFlyer Ascend Credit Card

APPLY NOWAt American Express' secure website
  • Spend S$10,000 within 3 months of Card approval and receive 26,000 bonus miles.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
APPLY NOWAt American Express' secure website
24.99% p.a.Annual Fee of S$337.50Minimum income requirement of S$50,000 p.a. for Singapore Citizens and Residents; S$60,000 p.a. for Expatriates

GET.com's Picks: 6 Best Cashback Credit Cards In 2018

Big on cash rebates? Shoot for cashback credit cards that reward you with cash rebates when you use your cards to pay for purchases whenever possible. Just a little heads up, some cards give you cash rebates that are directly reflected in your bill statement without you needing to lift a finger, while others may provide you with rewards points that you can redeem as a credit to offset your credit card statement or annual fee.

To break it down further, most cashback cards do not reward you equally in a sense that certain credit cards reward you more for dining purchases, other credit cards are better for shopping at departmental stores and there are even credit cards that are designed for partygoers. Long story short, most cards in Singapore have 'bonus categories' that will let you earn more rewards when you use your card to pay for purchases in those categories.

But of course, remember to take your credit card eligibility into consideration when you are choosing cards to apply for. In general, the minimum income requirement for you to own a regular credit card in Singapore is set by the Monetary Authority of Singapore at $30,000.

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CIMB Visa Signature

CIMB Visa Signature

  • 10% cash rebate on online shopping in foreign currencies.
  • 10% cash rebate on wine and dine related purchases.
  • No annual fee.
25.5% p.a.No annual feeSingaporean and Singapore PR: S$30,000
We least like
  • 10% cash rebate is capped at $60 per month. To qualify for the 10% cash rebate, a minimum spend of $500 and 8 transactions of $30 or more within the same statement month is required.
  • Upon reaching the cap, 0.2% cash rebate applies.

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Citibank Rewards Card VISA

Citibank Rewards Card VISA

APPLY NOWAt Citibank's secure website
  • Apply now and get up to S$120 cash back as you spend. Valid for online applications from 1st July 2018 to 31st December 2018 (both dates inclusive), new Citi cardmembers only.
  • Earn 10X Rewards (10 points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites*.
  • Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Sheng Siong) on top of your other card benefits.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with an upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan26% p.a.$192.60 waived the first yearS$30,000 per annum (Singaporeans and PRs); S$42,000 per annum (Foreigners)

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Citi Cash Back Card

Citi Cash Back Card

APPLY NOWAt Citibank's secure website
  • Apply now and get up to S$120 cash back as you spend. Valid for online applications from 1st July 2018 to 31st December 2018 (both dates inclusive), new Citi cardmembers only.
  • Petrol: up to 20.88% fuel savings at Esso & Shell, and 8% cash back at petrol stations worldwide.
  • Dining: 8% cash back at restaurants, cafés, bars worldwide daily.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$192.60 (first year annual fee waiver)For Singaporeans and PRs, minimum annual income of $30,000, for foreigners $42,000.
We least like
  • High cash back rates only if you accumulate a total retail spend of S$888 or more in a statement month.
  • Base cash back rate stands at 0.25%. Additional 7.75% cash back on Dining, Groceries & Petrol spend is capped at S$25 cash back per category per statement month.

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Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

APPLY NOWAt Standard Chartered's secure website
  • Apply now to get S$100 cashback or S$150 in Prime Now Credits. Available 1 September 2018 to 31 January 2019, if you are a new credit cardholder. Plus, up to an additional S$100 when you spend on your new card. Available from 3 October 2018 to 14 February 2019, terms and conditions apply.
  • 1.5% cashback on all spend.
  • No cashback cap, no minimum spend.
APPLY NOWAt Standard Chartered's secure website
Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. Visit on.sc/funds-transfer. T&Cs apply. With Funds Transfer, you can (i) transfer funds into any bank's current or savings account; (ii) pay your credit card bills from other banks; and (iii) pay your loan from other banks.25.9% per annum$192.60 w/GST (waived for first 2 years)Singapore Citizens and Permanent Residents: S$30,000, Foreigners with Employment Passes: S$60,000

Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
The American Express<sup>®</sup> True Cashback Card

The American Express® True Cashback Card

APPLY NOWAt American Express' secure website
  • American Express Selects gives you exclusive dining privileges all around the world, all year round.
  • As an introductory offer you will enjoy 3% Cashback on up to a total of $5,000 spend for the first 6 months plus a fee waiver for the first year.
APPLY NOWAt American Express' secure website
24.99% p.a.S$171.20 (inclusive of GST) First Year Fee WaiverFor Singapore Citizens and Residents, you have earnings which provide an income of over $30,000 p.a.

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CIMB Platinum MasterCard

CIMB Platinum MasterCard

  • 10% cash rebate on travel, and health, beauty and wellness on your CIMB Platinum MasterCard.
  • Unlimited 0.2% cash rebate on all other spend.
  • 0% admin fee^ on foreign currency transactions.
  • No Annual Fee.
25.5% p.a.no annual feeSingaporean and Singapore PR: S$30,000
We least like
  • 10% cash rebate is capped at $60 cash back per month.
  • To qualify for 10% cash rebate, a minimum spend of $500 with at least 8 transactions of $30 or more each statement month is required.

Making Your Credit Cards Work Hard For You

It really pays to take your time to pick the right cards for yourself and learn to use them to your advantage. Also, keep in mind that some cards are trickier than others, so read the fine print when you are shopping around for cards that suit your lifestyle needs and personality the most.

We get that shopping for the right cards takes both patience, wit and hard work. An easier way out is to use a credit card website like GET.com to help you compare the best cards in the market. Here you will find plenty of resources and card reviews for you to check out, all for free.

Follow Grace and Pedro on their Instagram account @roundtheworldfamily and blog as they travel around the world for almost for free with their two adorable toddlers starting January 2017.