No. The rebate percentage for groceries can vary from 3% to 8% or more, and you may be able to increase your savings by getting instant discounts of up to 10% on a supermarket’s own-brand products when you pay with your card (making your total savings 18% on part of your shopping).

A single card may also have a range of cashback percentages on groceries, depending on how much you spend. Individual transactions below $10, or total monthly spending below $50, may earn nothing. Spending of up to $400 per month could earn a 3% grocery rebate, while spending over $400 on the same card could see your rebate percentage lift to 5% overall.

Choose the card which gives the best result for your habitual spending pattern and amount, and check the other benefits available with the card, in addition to the grocery cashback.

Yes, with most cards there is a monthly or quarterly spending target to be reached before the cashback is applied to total spending. Some cards will apply a lower rebate percentage to smaller monthly spending (e.g. below $300), while a higher rate applies to all monthly spending if it exceeds the set target. If there is a target spending level, it will normally need to be maintained during all three months of the quarter in order to qualify for the cashback.

It depends on the terms and conditions of the individual card. Some offer cashback for spending at all supermarkets, islandwide. So it doesn’t matter where you shop: at Cold Storage, Sheng Siong, Giant, Jasons, Guardian, FairPrice, or elsewhere. Other cards may limit cashback to supermarkets in both Singapore and Malaysia, while some apply the rebate globally (though it’s unlikely that you will be spending large amounts on groceries while travelling overseas). A few cards are very specific about where you can shop in order to qualify for the rebate, for example a card for 12% grocery rebates at FairPrice only, provided you have your salary credit going to the bank issuing the card. 

Annual fees can range from zero to around $195 or more. As usual, higher annual fees normally deliver a higher potential for cashback or other benefits. You need to look at your grocery spending pattern to work out whether you are likely to recover an amount worth more than the annual fee each year. Watch out for additional costs such as foreign currency transaction fees and high interest charges if you fail to pay off your account balance in full when it falls due.

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

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.

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.

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.

Yes. You may be able to select more than one spending category on which to receive rebates, or the card may automatically give the same percentage rebates on two or more categories. Here are some typical examples of rebate and discount combinations:

• 8% on groceries plus 8% on dining
• 8% on groceries and 3% on utility bills
• 8% on groceries, dining, petrol and Grab rides, 0.25% on everything else
• 7% groceries and 14% coffee rebates, 14% petrol discount, card doubles as EZ-Reload SMRT card with 2% rebate on auto top-ups
• 5% flat rate on all purchases in any spending category

Many cards have an overall limit, or limit by spending category, on the amount of cashback you can earn monthly, quarterly or annually. For example, there could be a monthly limit of $50 cashback, after which the rebate percentage drops to 0.3%. However, there are cards which have no limit to the amount of cashback you can receive. If your spending on groceries is particularly high, or if it is irregular (i.e. very low in certain months, very high in others), you need to look for a card with no minimum spend and/or no cashback limit.

Yes. As well as getting cashback on other spending categories besides groceries, you may also receive one or more of the following benefits:

• Instant discounts on groceries, or petrol, or Grab rides
• Air miles or other rewards points, possible sign-up bonus points
• Cash or merchandise gift on sign-up or first spending
• Waiver of one or more annual fees
• Extra interest percentage on your savings account at the bank issuing the card

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.

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

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.

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.