Excellent! ROSHI has found 66 credit for you.

Revolut Metal Debit Card

4.5Good to Excellent

S$19.99Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

  • 1% cashback in any supported currency on all your spending abroad
Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – no monthly limit
  • No fee on international ATM withdrawals, up to S$1,050 per month
  • Global medical and dental insurance
  • Baggage delay insurance
  • Loss or damaged items insurance
  • Free and instant P2P transfers to other Revolut users (in Singapore, as well as in Europe)
  • Premium Add ons : Premium card with three exclusive designs, Global express delivery of card, Priority customer service, Disposable virtual cards for online transactions that protect you against online card fraud, LougeKey Pass access and free lounge passes if flight is delayed by >1 hour
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Principle Annual Fee$239.88

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

ICBC Horoscope Credit Card

3.8Good to Excellent

2%Cash Back on Selected Shopping and Dining

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all overseas spending
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2019
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationUnionPay

  • Wireless PaymentQuickPass

HSBC Revolution Credit Card

3.2Good to Excellent
PROMOSamsonite T5 68cm Spinner or SGD150 cashback + SGD20 Grab rides Valid till 31st Dec 2020

S$1= 5X Pointson Online, Dining and Entertainment

S$1= 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion for Selected Airline Partners

  • 2 year annual fee waiver
Apply Now

On HSBC's website

Card Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online, Local Dining and Entertainment transactions
  • $1 = 1 Reward point. No minimum spend and earn as many Rewards points as you like
  • Access over 1,000 1-for-1 deals through ENTERTAINER with HSBC at just S$5

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$150

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay

Citi SMRT Card

3.8Good to Excellent

5%Cash Back at Selected Grocery Stores

S$600Cash Back Cap per year

S$300Min. Spend per month

  • 2 years fee waiver for Principal and two (2) Supplementary cards
Apply Now

On Citibank's website

Card Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$42,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

American Express The Platinum Card

4.5Good to Excellent

S$1.60 = 20 Pointsfor first S$16,000 spent at participating Platinum EXTRA Partners

Exclusive Accessto the Tower Club, Pall Mall London and more

1 Point = 0.625 MilesRewards to Miles Conversion for Singapore Airlines and more

  • 75,000 Membership Rewards® Points Welcome Bonus*
Apply Now

On American Express's website

Card Features

  • Exclusive access to Platinum Vibes at Marina at Keppel Bay, Tower Club, Pall Mall London, among others
  • Enjoy an annual 2D/1N stay in the St. Regis or W Hotel Singapore as a Membership anniversary gift
  • Up to 50% savings at selected hotels and restaurants such as Marriott, St. Regis, Lawry’s and TWG among others
  • Receive S$800 Travel Credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge
  • Earn 20 Membership points per S$1.60 spent at Platinum EXTRA partners, capped at S$16,000 spent

Annual Interest Rate and Fees

  • Anual Interest RateN/A

  • Principle Annual Fee$1712

  • Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)

  • Fee WaiverNot Available

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Minimum Income Requirements

  • Singaporean$200,000.00

  • Foreigner$200,000.00

Other

  • Card AssociationAmerican Express

  • Wireless PaymentN/A

UOB Preferred Platinum Visa Card

4.5Good to Excellent

S$5 = 10X UNI$on Online Shopping, Entertainment & Contactless Payments

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on online purchases and entertainment
  • 10X UNI$ on Visa payWave
  • Earn SMART$ rebates at over 400 participating outlets and use it to offset your next purchase

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee96.3

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB Lady’s Card

4.5Good to Excellent

S$5 = 10X UNI$on One Category

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on your chosen rewards category
  • e-Commerce Protection on online purchases
  • UOB Lady’s LuxePay Plan: 6 or 12-month instalment plan with no interest or processing fees

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB YOLO Credit Card

3.5Good to Excellent

Up to 8%on Online, Grab, Dining and Entertainment spend

Up to S$80Cash Back Cap per month

S$600Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 8% cash back on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
  • Up to 28% off at ZALORA, Lazada and more
  • Up to 18% off at Expedia, Agoda and more
  • Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
  • 0.3% cash back on all other spend
  • Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
  • Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB Delight Card

3.5Good to Excellent

Up to 8%Cash Back at Selected Grocery Stores

S$50Cash Back Cap per month

Up to 3%Rebate on Contactless payments & recurring bills

Apply Now

On UOB's website

Card Features

  • Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian
  • Up to 3% rebate on ALL contactless payments and selected recurring bills
  • 10% off over 4,000 house brands at Cold Storage, Giant and Guardian
  • Up to 3% rebate on contactless transactions and recurring bills
  • li>Earn up to 10% SMART$ rebate at over 300 participating outlets islandwide

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$86

  • Supplementary Annual Fee53.5

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB One Card

4.3Good to Excellent

Up to 10%rebate on Grab

S$300Cash Back Cap per quarter

S$2000Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
  • Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
  • Up to 6% rebate on Singapore Power utilities bill

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee1st supplementary card free, $96.30 for subsequent cards

  • Fee Waiver1 year fee waiver

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

  • Credit Cards Basics

  • Tips and Hints

  • FAQs

  • Ask Away

How Credit Cards Work

The primary purpose of a credit card is to provide a means of unsecured credit from a bank for making purchases. These purchases can be made without cash or an ATM. Every card has a predetermined credit limit that must be repaid within the month.

Credit cards are different from debit cards in that you do not have to have the money sitting in your account right away. Your credit limit is determined by how much you earn and your current credit score.

You are essentially borrowing money from the bank whenever you use the card. At the end of the month, you will receive a bank statement showing how much you spent and what you need to pay back in order to balance your credit again. If you pay these fees back on time, you will avoid any additional fees.

There are a variety of different credit cards, each of which provides you with a specific type of reward system.

Which Credit Card is the Best in Singapore?

There are literally hundreds of credit cards to choose from. It’s very difficult to choose just one card as the best of them all. So, instead of looking for the #1 credit card in the country, you’re better off choosing the one that fits your needs the most. This is how you can do that:

Pick a Card that Suits Your Spending Style
Consider the sorts of things that you spend on the most. You might enjoy going out for meals, traveling, or something else along those lines. There are credit cards that fit those genres much better than others!
Take Full Advantage of Your Credit Card Benefits
Credit cards offer a hoard of advantages, depending on which one you choose. You need to consider what benefits are actually useful to you, in the long run. Consider whether you need air miles, shopping vouchers, or some other benefit the most.

Best Credit Cards in Singapore (2020)

Credit Card NameCard CategoryPerks
Citi Cash Back CardCashbackSave on dining, groceries and grabApply Now
American Express® Singapore
Airlines KrisFlyer Credit Card
Air MilesEarning miles plus travel perksApply Now
Unlimited Cashback Credit Card
(Standard Chartered Bank)
CashbackUnlimited cashback plus Ez-linkApply Now
American Express® Platinum
Credit Card
Rewards PointsBest reward perksApply Now
Citi Premiermiles cardAir MilesEarning non-expiring bonus milesApply Now
DBS Live Fresh CardCashbackHighest cashback on contacless
payments
Apply Now
UOB One Card CashbackRebate on daily expenses Apply Now
HSBC Advance Credit CardCashbackGenerous all-spend cashback cardApply Now
UOB Yolo Credit CardCashbackCashback on online spend, dining
and entertainment
Apply Now

Do Not Skip Terms & Conditions

Now that you have an idea of which credit cards you may be interested in, you need to check them out a little closer. The terms & conditions section is the best place to learn these things.

Check everything, including expiry dates, minimum spend, exclusions, credit limit, and so on. If you’re still unsure about anything to do with the credit card, be sure to ask a bank rep.

Consider Using Multiple Credit Card Options

When it comes to using credit cards, you need to consider the benefits of combining some of them for various extra rewards. Certain rewards options, such as miles and cashback cards, do not work well together.

However, other options, such as points credit cards, do. Points credit cards enable you to convert your points into specific rewards or cash, depending on your needs.

If you feel like you will need a variety of rewards to suit your life style, then points credit cards are the way to go!

Choosing Between Visa, Mastercard, & American Express

At some stage, you’ll need to know the differences between Visa, Master, & American Express cards. These three types of cards are the most common option for global payment networking. This means they allow your credit card to work anywhere in the whole world.

Visa and Mastercards are accepted in more than 200 countries, while America Express is only accepted in approximately 140. Visa and Mastercards are more widely accepted than American Express. That being said, American Express has a strong reputation for customer service and satisfaction. They are also the only network that issues their own credit cards.

Take time to determine which provider network fits your spending habits and life style.

Credit Card Expenses

Repayments
You can make repayments in whatever amount you choose and at whatever interval you choose. There will, however, be a minimum repayment that you must follow when you get your statement.

Typically, the minimum repayment is at least 5% of your total balance. If you don’t make this minimum repayment, you will receive a penalty, increasing your total outstanding balance.

Repayments
You can make repayments in whatever amount you choose and at whatever interval you choose. There will, however, be a minimum repayment that you must follow when you get your statement.

Typically, the minimum repayment is at least 5% of your total balance. If you don’t make this minimum repayment, you will receive a penalty, increasing your total outstanding balance.

Annual Fee
You need to pay a yearly fee in order to keep your credit card. The cost will vary depending on the credit card you are using. Simple credit cards can cost as little as 5 cents while others can cost hundreds of dollars.

Your annual fee will be automatically deducted from your available balance. Be sure to leave enough money there for it as the additional interest for a late annual fee payment can be quite severe!

Interest Rates
Interest rates are only important if you fail to pay off your balance by the end of a given month. Most credit cards hold an interest level between 24-28% per annum. This may not seem like a lot but it will build up every year, so be sure to keep up with your outstanding balance as best you can.

Your balance builds up every day on a consecutive basis, so it can catch you off-guard if you aren’t careful.

Other Fees
There are a number of other fees that you can expect, such as late payment fees, over-limit fees, membership fees, cash advance fees, and so on. Some provide perks but try to avoid late payments and over-limit fees when possible.

APR

After some time, your debts will start building interest. The build-up of interest from debts is called APR. (Annual Percentage Rate) APR usually sits anywhere between 12% and 20%.

You will receive a statement every month showing everything you purchased during that period. It will also give you your outstanding balance and the interest that you gained that month. You only have to pay the minimum amount which is typically 2-3% of your outstanding balance. That being said, it is better to pay as much of your balance as you are able to further reduce your interest.

Should you manage to pay off your entire balance, you can earn anywhere up to 55 interest-free days. This means that anything you spend with credit during this period will not build interest until the allotted interest-free days have expired. If you don’t keep up with your outstanding balance before this period runs out, it will start building interest again.

Credit Score

Singaporean bankers and lenders use CBS credit scores to determine if a customer is reliable enough or not. It uses a 4-digit number that is determined by the Credit Bureau Singapore.

Credit agencies determine your credit score. Credit score is the repaying capacity and probability of default on loans. Your score ranges between 1000 and 2000. The closer to 2000 your credit score is, the more reliable bankers and loaners will find you.

A low credit score, being nearer to 1000, means that you are a risky client, reducing the chances of your being able to acquire a credit card in the future.

Pay as You Can

If you are able, you should pay off your entire balance each month. This will allow you to avoid the interest. If you can’t pay off the entire month, at least aim for the minimum monthly payment. This will allow you to avoid some of the extra interest costs. That being said, you should always aim to pay more than that so that you will have less to handle the next month.

Don’t Miss Your Deadline

When you miss deadlines for payments, you will be charged quite a large penalty and your credit score will significantly drop. Credit score is vitally important for future loans. Don’t take it lightly.

Utilize Direct Debit

A direct debit account is the best way to make sure you pay off your credit balance each month. (At least your minimum credit balance)

Don’t Apply for Credit Cards All the Time

Every time you apply for a credit card, whether you succeed or not, it leaves a mark on your record. When your record is checked for a new credit card, they may reject you simply because you have applied for so many of them in the past.

Utilize the Rewards

Most credit cards provide useful rewards that can help you in one way or another. While certain rewards are tempting, make sure to pick a card that provides ones that are most useful to you. If you tend to fly a lot, a flyers card would be best for you. If the typical rewards are of no use to you, you can always grab a cashback card to get a small percentage of your money back!

Watch for Overseas Charges

When using your credit card overseas, you may get charged a small amount extra. You need to check your credit options for this charge and determine which one has the lowest charge.

Don’t Withdraw Cash

Credit cards are best used directly. Withdrawing cash tends to cause additional charges over and above what you are already spending. Avoid withdrawing cash unless absolutely necessary.

Keep Your Wits About You

Fraud is a serious problem that should be avoided at all costs. Be very careful where you keep your card and when you use it. Don’t let anyone see what is on it, no matter how close they are to you. Never share your PIN and check your account statements regularly to ensure no one has used your card.

What Exactly is a Credit Card?

The primary use of a credit card is to ‘borrow’ money from the connected bank in order to make purchases ahead of time. A credit card offers you a small ‘loan’ known as credit which you can use and pay back each month.

If you are unable to pay back your credit within the month, you will likely get hit by severe interest fees. It is best to use only as much credit as you know you can repay before the month’s end. MasterCard, VISA, and American Express are the largest payment networks offering credit card plans. (Though, they do not necessarily offer them to everyone)

How can a Credit Card Help Me?

Credit cards help the best of us through a tough month. But their purpose doesn’t end at giving you some spending money a week or two before your salary comes in. Many cards also offer points for travel, dining, and so on. Make sure you check out what kind of points a credit card offers before going for it. You should pick one that suits your needs the best!

Credit cards are also highly convenient. You can use them just as easily online as you can in-person. This way, you don’t need to carry lots of cash, if any, around with you when you mean to buy something.

Last, but certainly not least, a credit card provides you with the financial freedom to take advantage of promos and deals even if you don’t have the necessary funds prepared just yet. You can select the best credit card for your situation using these factors.

What Types of Credit Card can I Choose From?

There are so many different types of credit cards that you are bound to find one that fits your exact needs! There are balance transfer credit cards for debt consolidation, secured credit cards for those who don’t earn enough for a regular credit card, and many more.

Whether you have a preference between MasterCard, Visa, or any other branch, you will always be able to locate what you need here on Roshi!

Most credit cards offer rewards on top of everything else. Let’s take a look at the three most common credit card rewards in Singapore:

Rewards Cards
Rewards cards help you gain special points via the card issuer. The points build up over time as you spend more with your card. After some time, you will have enough points to exchange for various rewards, such as vouchers, air miles, or even cash!
Cashback Cards
Cashback cards allow you to earn some of the money you spent back. These cards vary from 1-5% margins, allowing you to earn a decent amount of money back from your previous purchases.
Air Miles Cards
Air Miles can be used to get cheaper or free flights. The more you earn, the more potential free flights you unlock.

Before making a choice, remember that you will not be able to ‘cash in’ these rewards points right away. Each type requires a different amount of money to have been spent before you gain a significant reward.

You have the choice to redeem cashback or rewards in a short time or wait. The longer you wait, the better the rewards. Longer wait times bring about the best conversion rates.

How Should I Acquire a Credit Card?

The methods for acquiring a credit card vary depending on how much money you make. Take a look at some of the factors that will help you decide:

Singaporean & Permanent Residents
You can apply for an entry-level card, so long as you earn at least $30,000 annually. As you aim for higher-level cards, your annual earnings will also need to increase, up to as much as $300,000 or even more for some of the most exclusive cards.

Roshi helps you easily filter out cards that are below or above your annual earnings, allowing you to gain a credit card that is perfect for your budget.

Foreigners
For temporary residents, it is much more difficult for you to get a credit card. That being said, it can still be done. The rules are stricter, and you will need a higher income than a citizen or permanent resident. You will also need to prove that you have lived here for quite some time and you are planning to stay in the country for a certain amount of time.
Students
Most credit cards are unavailable for students. This is mainly due to the fact that students rarely earn enough annual income to get one. There are a few credit cards that are designed for low-earning clients, such as students. You can apply for these without any income. If you want one, just search for cards that require no income.
Young Workers
If you’ve already graduated and are working under the age of 21, you can still apply for a student credit card. However, since you already have a job, you will need to prove that you earn a minimum of $18,000 each year.

How can I Apply for a Credit Card?

All you need to do is fill out an application online or in-person, depending on your preference. Make sure you provide proof of your income in conjunction with the card you are requesting.

Once you’ve submitted it, the bank will inform you on what kind of credit card you can get and how much you can borrow with it. Following this, all you need to do is activate the card and sign it on the back.

Why Shouldn’t I Aim for Minimum Balance?

Minimum balance is not the aim you should have. It is there for emergencies only. Credit cards are designed as short-term loans, meaning that you should repay them within the month you loaned. Failing to pay it off and only reaching minimum balance will land you with a 20-24% interest rate increase. Obviously, you don’t want that!

Paying minimum balance will also negatively influence your credit score. This will risk your ability to make loans in the future. Whenever possible, loan only as much as you can pay back in time to avoid these problems.

Debit Cards and Credit Cards – What’s the Difference?

Debit cards do not allow you to borrow anything. You can only spend as much as you currently own. Essentially, a credit card lets you borrow extra money for a month whereas a debit card does not.

How can I Prevent Credit Card Fraud?

The best way to prevent credit card fraud is to be vigilant when you use it. There’s no sure-fire way to completely avoid it unless you monitor your usage closely. Make use of alerts, keep track of your transactions, and avoid phishing scams.

What Do I Do with My Credit Card Statement?

Your credit card statement may not seem important, but it really is. DO NOT throw it away. Make sure you read it thoroughly and deal with it as early as possible. (Right away, if you can) You can use online banking, an ATM, or whatever method is most convenient for you.

What Else Should I Consider Before Applying for a Credit Card?

Take a look at both advantages and disadvantages to owning a credit card:

There’s No Such Thing as ‘Free’
While credit cards do come with some ‘free’ perks, you need to realize that these perks aren’t exactly free. You will be required to pay a certain amount before you can acquire the perk. Make sure not to waste money on unnecessary things just to get this free perk.
Small Charges Still Count
Small charges, such as the annual fees associated with all credit cards, are incredibly important. There are times where you can even get this fee waived, especially if you have a good credit score.

On the other hand, you may earn bonus points for paying the annual fee. It is up to you to determine which is more valuable.

‘Free’ Travel Insurance Cover
Are you planning to take advantage of some complimentary travel insurance with your new credit card? This usually requires you to spend on your holiday using the very same card.

You should also take note that you may not cover your entire trip with this free travel insurance. Usually, a proper insurance plan is a better option. However, there are times when certain credit cards have excellent travel insurance plans. Utilize Roshi to find out which ones are the best!

Miles Conversion
If you mean to use your credit card to gain miles, make sure you check the reward system correctly. The more miles you can get per dollar, the better!
The Danger of Late Fees
If you’re the kind of person who forgets to pay your bills on time, you should be seriously careful with a credit card. Check the terms of your credit card to ensure you don’t rack up some serious overdue bills!

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