Up your retail therapy game with a shopping credit card, your hack to a fuller spree for fewer dollars. The more you spend at partner brands, especially online, the more points you lap up to claim sparkly rewards. The hottest rebates, discounts, and privileges are to die for.
You will be able to choose one or more of the following types of cards, and many cards will combine two of these features as well as having other benefits:
Certainly. Having more than one card, each one focusing on higher rewards for a different type of shopping, may be the best way to maximise your benefits.
If you do have several cards, you will need to be well organised to know which card to bring out on which occasion. You will also probably want to choose cards with a low or no annual fee, or an annual fee which can be waived in return for a target amount of annual spending.
Annual fees for the primary card can be anything from $0 to $500 or more, although cards with a shopping focus tend to stay in the lower price range. Some cards charge an additional fee for a supplementary card for a family member. The higher the fee you are prepared to pay, the greater the potential benefits are for affluent spenders. Cards charging an annual fee will often have the possibility of a fee waiver in return for reaching a specified annual card expenditure (e.g. $12,500).
Bear in mind that there are other possible costs associated with a credit card, such as foreign currency transaction fees, late payment fees, card replacement fees, and interest charges if you do not pay off your account balance on time.
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:
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.
Select the one that delivers the best value based on how much you spend (a higher rate of rewards for higher spending, or no minimum qualifying spend for lower spenders), where you do your spending (locally, worldwide, at a particular store, online), and what kind of rewards you would like (cashback, discounts, air miles, rewards points).
Cashback cards often allow you to qualify for instant discounts as well, especially on petrol, dining and Grab rides.
Air miles cards are likely to come with complimentary travel insurance and airport lounge access, and the more expensive cards with throw in an airport limousine service.
Rewards points credit cards could have free insurance to protect your purchases against loss, theft or accidental damage, or the possibility of the retailer refusing a return if you change your mind.
Both air miles and rewards points cards may offer thousands of sign-up or first purchase bonus miles or points.
Credit cards doubling as loyalty cards for a particular store may give free parking and exclusive sale previews. Cards focusing on department store shopping may also offer an interest-free instalment plan for repayments on large purchases.
Any type of shopping card may offer a sign-up or first purchase gift of cash or merchandise, a first year or two-year annual fee waiver, or membership of dining, hotel or golfing privilege programs.
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.