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Mix And Match Your Cards

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Whether you're a foodie, globetrotter, or shopaholic, just having the right credit cards at the right junctures can be your easiest hack to a fuller life and pocket. Mix and match your cards to get the best deal of cashback, rewards, and lifestyle perks from your spending.

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

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HIGHLIGHTS

1.5% cashback on all spending worldwide
No cap in your way of more cashback and no min spend
Additional 15% cashback on Grab rides, plus card doubles up as your ez-link with auto top-up
10% cashback on Amazon Prime Now app, with free Prime Now membership

Cashback

1.5% cashback on all spending worldwide
No cap in your way of more cashback and no min spend
Cashback is auto credited to you
Additional 15% cashback on Grab rides
10% cashback on Amazon Prime Now app, with free Prime Now membership

Dining

1.5% cashback on all spending worldwide
No cap in your way of more cashback and no min spend

Petrol

Up to 21.04% Caltex petrol discount (16% instant discount, 4.5% Standard Chartered rebate after, and 1.5% cashback)

Shopping

1.5% cashback on all spending worldwide
No cap in your way of more cashback and no min spend

THE CATCH

Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
Cashback is not eligible for banking fees, charges and services, tax and insurance payments, or top-up of prepaid cards and accounts (except EZ-Reload)
Earn max $30 cashback from Grab with min $900 retail spend each month
Earn max $10 cashback from Amazon each month (details on terms & conditions)

BANK PROMO

$100 cashback, or $150 Amazon Prime Now credits is only applicable to new Standard Chartered cardholders who apply online and activate the card within 30 days, existing ones get $20 cashback instead (details on terms & conditions)

American Express Platinum Credit Card

American Express Platinum Credit Card

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HIGHLIGHTS

Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
All other purchases still earn you 2 points per $1.60 spend
Points won’t expire on you
Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
Dining, nightlife, golf, and travel privileges like a boss

Rewards

Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
All other purchases still earn you 2 points per $1.60 spend
Points won’t expire on you
Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
Dining, nightlife, golf, and travel privileges like a boss

Dining

Earn up to 10 points per $1.60 spend at partner merchants like TungLok, Peony Jade, Brussels Sprouts and more
Exclusive dining privileges all around the world, 1-for-1 deals and amazing discounts
Up to 50% off at a hand-picked list of prime restaurants like Angelina, Dancing Crab, Lawry's The Prime Rib, The Marmalade Pantry, Senso Ristorante & Bar, and TWG Tea
Up to 50% off at top hotel dining destinations like Conrad, Four Seasons, Marriott, St Regis, and W Singapore

Petrol

15% SPC petrol discount (10% SPC&U card and 5% Amex card)

Shopping

Earn up to 10 points per $1.60 spend at partner merchants like Hour Glass, Montblanc, Lee Hwa Jewellery and more
All other purchases still earn you 2 points per $1.60 spend
Points won’t expire on you
Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
Plus up to 20% discount across major brands & retail outlets

THE CATCH

Min annual income of $50,000 for citizens/PRs or $60,000 for foreigners
Annual fee is $321 for principal card but supplementary card is free

BANK PROMO

Receive 1 Night Stay at Swissôtel The Stamford Singapore worth $529 upon annual fee payment
To get additional Samsonite Sigma 76cm Expandable Spinner worth S$600, spend $4,500 within the 1st 3 months
$20 CapitaVouchers when you use MyInfo to pre-fill your application

HSBC Advance Credit Card

HSBC Advance Credit Card

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HIGHLIGHTS

Up to 3.5% cashback on spending worldwide, no min spend
Yes please to exclusive retail, dining, entertainment, travel, and hotel privileges

Cashback

2.5% cashback on spending worldwide, no min spend
Wow, additional 1% cashback for HSBC Advance banking customers

Dining

1-for-1 buffet or 1-dines free offers, this card got them all
2.5% cashback on spending worldwide, no min spend
Additional 1% cashback for HSBC Advance banking customers

Petrol

16% Caltex petrol discount (5% at site, 9% with HSBC card, and 2% with outdoor fuel payment)
14% Shell petrol discount (5% at site, 5% with Shell Escape card, and 4% with HSBC card)
Plus get to save more, up to 3.5% cashback

Shopping

Shopping and not getting a cashback? Almost impossible!
2.5% cashback on spending worldwide, no min spend
Additional 1% cashback for HSBC Advance banking customers

THE CATCH

Min annual income of $30,000 for citizens/PRs but $40,000 if you’re self-employed or commission-based, and $40,000 for foreigners
Principal card is free the 1st year but costs $192.60 per year after, supplementary card is free
Perpetual annual fee waiver for HSBC Advance banking customers
Spend min $2,000 each month to get the full rebate of 2.5% or 3.5% for HSBC Advance banking customers
Anything less, you get a reduced rate of 1.5% rebate or 2.5% for HSBC Advance banking customers
Earn max $70 rebate each month or $125 for for HSBC Advance banking customers
Cashback is not eligible for banking fees, charges and services, tax and insurance payments

BANK PROMO

Samsonite Astra luggage or $100 cashback is only applicable to new HSBC cardholders, existing ones get $50 cashback, and spend min $600 in the 1st month

OCBC 365 Credit Card

OCBC 365 Credit Card

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HIGHLIGHTS

6% rebate on local dining on weekends, 3% on local dining on weekdays, and 3% on overseas dining every day
3% rebate on local groceries, online shopping, and recurring bills
Save up to 23.9% at Caltex and 18.3% at Esso on petrol
All other purchases still get you 0.3% rebate
Up to $200,000 travel insurance coverage

Cashback

Dig a great dining deal, either 6% rebate on weekends and 3% on weekdays when you’re in Singapore, or 3% when you’re overseas
3% rebate on local groceries, online shopping, and recurring mobile or internet bills
5% rebate at local petrol stations
All other purchases still get you 0.3% rebate
Cash rebate is auto credited to you

Dining

6% rebate on local dining on weekends, 3% on local dining on weekdays, and 3% on overseas dining every day

Petrol

5% rebate at local petrol stations
Up to 23.9% Caltex petrol discount (5% at site, 11% with OCBC card, 5% rebate after Esso discount, plus $10 rebate with min $300 monthly spend at Caltex)
18.3% Esso petrol discount (5% at site, 5% with Esso Smiles card, and 4% with OCBC card, and 5% rebate after Esso discount)

Grocery

3% rebate at local grocers

THE CATCH

Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
Annual fee waived the 1st 2 years, but $192.60 for principal card and $96.30 for supplementary card after
If you can’t spend min $600 each month, you get a reduced rate of 0.3% rebate on all your spending
Earn max $80 rebate each month
Free travel insurance only when your air ticket is charged to your card

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

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HIGHLIGHTS

Earn up to 10 points per $1 spend in foreign currency on overseas retail, dining and travel transactions
Up to 5 points for every $1 spend on dining transactions, and 1 point for every $1 spend on all eligible spend
No min spend and enough points can get you cash, miles, items, or vouchers for dining, shopping, or travel
Additional 15% cashback on Grab rides, 10% cashback on Amazon Prime Now app, with free Prime Now membership
Exclusive privileges, 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes, 50% off à la carte dining at The Fullerton Hotel and The Fullerton Bay Hotel Singapore

Rewards

Earn up to 10 points per $1 spend in foreign currency on overseas retail, dining and travel transactions
Up to 5 points for every $1 spend on dining transactions, and 1 point for every $1 spend on all eligible spend
Yeah to no min spend
Enough points can get you cash, miles, items, or vouchers for dining, shopping, or travel

Petrol

Up to 19.78% Caltex petrol discount (16% instant discount and 4.5% Standard Chartered rebate after)

THE CATCH

Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
Cap of 20,000 point per year on the additional points awarded
Points are not eligible for banking fees, charges and services, tax and insurance payments, or top-up of prepaid cards and accounts
Points last only 3 years
Earn max $30 cashback from Grab with min $900 retail spend each month
Earn max $10 cashback from Amazon each month (details on terms & conditions)

BANK PROMO

$100 cashback, or $150 Amazon Prime Now credits is only applicable to new Standard Chartered cardholders who apply online and activate the card within 30 days, existing ones get $20 cashback instead (details on terms & conditions)

Citi Cash Back Card (Visa)

Citi Cash Back Card (Visa)

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HIGHLIGHTS

8% cash back on all Grab, til 31 Mar 2019
8% cash back at all F&B outlets worldwide daily
8% cash back at all supermarkets worldwide daily
Up to 20.88% fuel savings at Esso and Shell, and 8% cash back at all other petrol stations
All other purchases still get you 0.25% rebate, no cap

Cashback

8’s the bomb, with 8% cash back at restaurants, cafés, and F&B outlets worldwide daily
8% cash back at grocers worldwide
8% cash back at petrol stations worldwide
8% cash back on all Grab, til 31 Mar 2019
All other purchases still get you 0.25% rebate
Up to 10% Citi Rebate at over 500 merchants on top of cash back

Dining

8% cash back at restaurants, cafés, and F&B outlets worldwide

Petrol

8% cash back at petrol stations worldwide
Up to 20.88% Esso petrol discount (5% at site, 5% with Esso Smiles card, 4% with Citi card, and 8% cash back after Esso discount)
Up to 20.88% Shell petrol discount (5% at site, 5% with Shell Escape card, 4% rebate with Citi card, and 8% cash back after Shell discount)

Grocery

8% cash back at grocers worldwide

THE CATCH

Min annual income of $30,000 for citizens/PRs or $42,000 for foreigners
Annual fee waived the 1st year, but $192.60 for principal card and $96.30 for supplementary card after
Spend min $888 each month before you can get cash back, capped at $25 per category (dining, groceries, petrol), and Grab cash back capped at $50 per month
Accumulate $50 first before cash back is credited to you in $10 denominations, but hey, they won’t expire
Up to 10% rebates at merchants (aka Citi Rebates) offset your next purchase at any participating merchant, with no expiry or cap

BANK PROMO

Bank promo is only applicable to new Citi cardholders
To get $120 cash back, spend $200 per month to earn $20 cash back per month for the 1st 6 months
New Citi cardholder is someone who doesn’t have an existing Citibank credit card or did not previously cancelled one in the last 12 months

VIEW MORE CREDIT CARDS

ASK FINTY ANYTHING

Answered Questions That Might Change Your Life

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1183

What must I do or show to get my Finty rewards?

Use Finty’s credit cards comparison features to shortlist and apply for your selected credit cards through Finty by clicking the “apply now” button. Fill in your particulars so that we can verify your identity when you redeem your rewards later.

After you receive your credit card and approval letter from the bank, open the email with the redemption steps from us. Submit a photo of your approval letter and credit card. Remember to cover your credit card number in the photo.

We will then send your Finty rewards to you by bank transfer, unlike other websites that may require you to go down to their office.

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1619

Finty has inspired me to want more in life. Am I eligible for a credit card?

Hell yeah! The eligibility criteria differs between banks, but most require you to be at least 21 years old and have an annual income of at least S$30,000 if you are a Singapore citizen or permanent resident. Foreign applicants will need an annual income of S$45,000 and above. Do it now! Credit cards compare, select and apply (๑˃ᴗ˂)ﻭ

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1074

Finty, I love you. Will you marry me?

If you Google searched “credit cards comparison Singapore” and out of all the different pages you decided to use Finty. We love you too ♡( ◡‿◡ )…platonically

Unfortunately, that ship has sailed. Finty is a team of 3 married guys in a very small office that has an amazing view of the Singapore River. Sometimes, our kids come over. For now, we like our life this way: simple, enjoyable, and rewarding.

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1006

Can I apply for Finty rewards using my existing credit cards or try to cheat Finty?

That’s not cool...the credit card compare life is tough. We verify all applications with the banks through a unique application ID and cross-reference it with your submitted documents.

The Finty form you have to fill in is necessary for identifying you when you redeem your Finty rewards later.

When you apply through Finty, a specific link is generated for your application. This allows the bank to know if you are an applicant from Finty, and the status of your application will be tied to the Finty form that you filled up.

Tldr: Just don’t try it. Liam Neeson expresses our wish for cheaters best.

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1014

I want all the benefits and Finty rewards I can get. Can I apply for more than one credit card with Finty?

What a dilemma, the best cashback credit cards and the best air miles credit cards are awesome!
No worries, you should apply for more than one credit card to complement your lifestyle if you can manage them.

Having more than one credit card means you get to combine different benefits from different banks, which are forever competing to give better perks. Every card has its unique strengths, like cashback on day-to-day expenses, amazing travel freebies, and privileges at swanky restaurants. Used thoughtfully, credit cards don’t only get you more value. They can also help you advance your lifestyle goals.

There are no limit to the number of Finty rewards you can get! ୧☉□☉୨ Just remember to complete the card application through Finty.

Finty rewards however do not apply to applications for:

Existing cards you already have
Replacement cards
Cards you already got Finty rewards for

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974

I just realised that the Finty rewards for the OCBC credit card is different from last week. What’s going on?

Your sharp eyes are right. Finty has a proprietary predictive model, or simply an algorithm, that determines the value of Finty rewards based on the bank or card performance, value from the bank, and how well Finty is doing.

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983

How do interest rates work on credit card bills when you are unable to pay them in full?

If you love your money as much as we do, pay your bills on time.

Interest is charged on the outstanding balance you carry on the bill. As long as you pay your bill in full before the due date, you won’t have to pay any late penalty fees or interest.

However, if you can’t pay the full amount on your bill, pay what you can, over the minimum amount specified, so you can minimise the balance that’s still outstanding. That helps you save on the interest and pay off the amount sooner.

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1295

If I already have a HSBC credit card, am I eligible for Finty rewards if I apply for another HSBC credit card through Finty?

Yes, unless otherwise stated. Existing cardholders like you deserve a pat on the back. Getting another credit card from the same bank, that is loyalty. To reward your love for the bank, Finty is glad to share our revenue with you.

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