Credit cards

Whether you are a foodie, globetrotter, or shopaholic, just having the right credit cards in your wallet can unlock savings and benefits for a fuller life and pocket. Compare the best credit cards with cashback, rewards, and lifestyle perks.

HSBC Revolution Credit Card

On HSBC's website

HSBC Revolution Credit Card

Highlights

  • Earn 5 points per $1 spend on online shopping, local dining, and local entertainment
  • All other purchases still earn you 1 point per $1 spend
  • Enough points can get you cash, items, or vouchers for dining, shopping, or travel

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
HSBC Advance Visa Platinum Credit Card

On HSBC's website

HSBC Advance Visa Platinum Credit Card

Highlights

  • Earn 10 points per $1 spend on online shopping
  • Earn 10 points per $1 spend on local dining
  • Earn 10 points per $1 spend on local entertainment
  • All other purchases still earn you 1 point per $1 spend
  • Enough points can get you cash, items, or vouchers for dining, shopping, or travel

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Perpetual annual fee waiver
OCBC Titanium Rewards Credit Card (Blue)

On OCBC's website

OCBC Titanium Rewards Credit Card (Blue)

Highlights

  • Earn 10 points per $1 spend at department stores or on clothes, shoes, bags, electronics, gadgets, kid's wear, or personal care
  • Earn 10 points per $1 spend for online purchases at selected merchants
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as miles, vouchers, or cash to offset purchases on the spot
  • Save up to 14% at Esso, 16% at Caltex and 20% at Sinopec on petrol

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
OCBC Titanium Rewards Credit Card (Pink)

On OCBC's website

OCBC Titanium Rewards Credit Card (Pink)

Highlights

  • Earn 10 points per $1 spend at department stores or on clothes, shoes, bags, electronics, gadgets, kid's wear, or personal care
  • Earn 10 points per $1 spend for online purchases at selected merchants
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as miles, vouchers, or cash to offset purchases on the spot
  • Save up to 14% at Esso, 16% at Caltex and 20% at Sinopec on petrol

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
OCBC Cashflo Credit Card

On OCBC's website

OCBC Cashflo Credit Card

Highlights

  • Pay over 6 months with 0% interest for transaction $1,000 and above
  • Pay over 3 months with 0% interest for transaction between $100 and $1,000
  • 1% rebate if your monthly spend is above $1,000 or 0.5% rebate if it's below
  • Save up to 14% at Esso, 16% at Caltex and 20% at Sinopec on petrol

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
CIMB Visa Signature Credit Card

On CIMB's website

CIMB Visa Signature Credit Card

Highlights

  • 10% rebate on your wine and dine tabs worldwide
  • 10% rebate on your online spends in foreign currencies
  • Up to $500,000 travel insurance coverage is pretty handy
  • Principal card is free
  • Admin fee on foreign currency transactions is as good as free

Finty Rewards

  • $5 cash upon getting your card, even for existing CIMB cardholders

Bank promo

  • $120 cash credit
American Express CapitaCard Credit Card

On American Express' website

American Express CapitaCard Credit Card

Highlights

  • Earn 30 points per $1 spend at CapitaLand malls, additional 50 points per $1 spend at over 65 participating outlets 
  • All other purchases still earn you 5 points per $1 spend
  • Redeem 5,000 points as $5 vouchers for CapitaLand malls
  • Free parking for a neat 3 hours at 15 CapitaLand malls

Bank promo

  • American Tourister Hypebeat 79/29 Spinner Exp TSA Luggage worth $239
American Express True Cashback Credit Card

On American Express' website

American Express True Cashback Credit Card

Highlights

  • Promo 3% rebate in the 1st 6 months
  • 1.5% rebate on all spending worldwide after that
  • Yes please to exclusive retail, dining, entertainment, travel, and hotel privileges
  • No cap in your way of more cash rebate and no min spend

Finty Rewards

  • $80 cash upon getting your card, with $500 spend in the 1st month, for new Amex cardholders only

Bank promo

  • 3% rebate in the 1st 6 months
OCBC 365 Credit Card

On OCBC's website

OCBC 365 Credit Card

Highlights

  • 6% rebate on local and overseas dining every day and for online food delivery
  • 3% rebate on local, overseas and online groceries, travel, land transport and recurring bills
  • Save up to 23% at Caltex and 20.4% at Esso on petrol, as well as 5% Cashback at all other petrol stations
  • All other purchases still get you 0.3% rebate
  • Up to $500,000 travel insurance coverage and up to $400 coverage for baggage loss

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
HSBC Visa Platinum Credit Card

On HSBC's website

HSBC Visa Platinum Credit Card

Highlights

  • 5% rebate local grocers and on your recurring TV, internet, and mobile bills
  • Save 20.2% at Caltex and 18.30% at Shell on petrol
  • 2% rebate at local restaurants
  • Earn 1 point per $1 spend for rewards on top of cash rebate

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
CIMB Platinum MasterCard Credit Card

On CIMB's website

CIMB Platinum MasterCard Credit Card

Highlights

  • 10% rebate on travel ticket and hotel bookings worldwide
  • 10% rebate on health, beauty, and wellness expenses worldwide
  • All other purchases get you unlimited 0.2% rebate, no min spend needed
  • Principal card is free
  • Admin fee on foreign currency transactions is as good as free

Finty Rewards

  • $5 cash upon getting your card, even for existing CIMB cardholders

Bank promo

  • $120 cash credit
OCBC Arts Credit Card

On OCBC's website

OCBC Arts Credit Card

Highlights

  • Priority booking for shows by Wild Rice, The Theatre Practice, Ding Yi Music Company, Singapore Dance Theatre, Singapore Lyric Opera, and more
  • Gush over up to 20% off show tickets
  • Earn 3 points per $1 spend with Sistic
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as show tickets or invites, miles, vouchers, or cash to offset purchases on the spot

Finty Rewards

  • $5 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • Nothing at the moment
OCBC Frank Credit Card

On OCBC's website

OCBC Frank Credit Card

Highlights

  • Feel cool flashing your card with over 120 hip designs to choose from
  • 6% rebate on your online shopping, including Grab rides! Woohoo!
  • 5% rebate on local entertainment from Fri to Sun, 3% on other days
  • 5% rebate at selected cafés from Fri to Sun, 3% on other days
  • 3% rebate on your 1st 2 NETS FlashPay Auto Top-Ups

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
OCBC Plus! Visa Credit Card

On OCBC's website

OCBC Plus! Visa Credit Card

Highlights

  • Up to 12% off at Fairprice outlets, Unity and Warehouse Club and up to 8% at Fairprice Online
  • 3% rebate at Cheers and Popular
  • Save up to 20.6% at Esso, 18% at Caltex, 20% at Sinopec
  • 1% rebate on your recurring bills with M1, Starhub, and Singtel
  • 0.22% Linkpoint rewards on all Visa spends

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
OCBC Platinum Credit Card

On OCBC's website

OCBC Platinum Credit Card

Highlights

  • Earn 1 point per $1 spend
  • Redeem points as miles, as nifty vouchers for petrol, shopping, or dining, or as cash to offset purchases on the spot

Finty Rewards

  • $5 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • Nothing at the moment
Citi Rewards Card (Mastercard)

On Citi's website

Citi Rewards Card (Mastercard)

Highlights

  • Earn 10 points per $1 spend on clothes, bags, or shoes at department or online stores
  • All other purchases still earn you 1 point per $1 spend
  • Enough points could get you that dream holiday, wishlist item, or vouchers
  • Convert 3,600 points to $10 rebate
  • Up to 10% rebate at over 500 merchants

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cashback
UOB YOLO Credit Card

On UOB's website

UOB YOLO Credit Card

Highlights

  • Up to 8% rebate on dining and entertainment worldwide, online shopping, and online travel bookings
  • Up to 10% rebate at over 900 participating merchants on top of cash rebate
  • 1-for-1 weekend movie tickets at The Cathay Cineplex, woohoo
  • Travel perks and free travel insurance coverage
  • Get up to 3.33% p.a. deposit interest rate on your UOB One Account and auto invest your rebates and interests earned

Finty Rewards

  • $10 cash upon getting your card, even for existing UOB cardholders

Bank promo

  • $80 cash credit (apply for UOB One Account at the same time to get additional $25 cash credit and $100 worth of unit trust)
HSBC Advance Credit Card

On HSBC's website

HSBC Advance Credit Card

Highlights

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

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
OCBC Robinsons Group Credit Card

On OCBC's website

OCBC Robinsons Group Credit Card

Highlights

  • 5% rebate at Robinsons and another 18 fashion or lifestyle brands
  • Get those rebates on top of existing store discounts or promos
  • No cap in your way of more cash rebate
  • Cash rebates are credited instantly
  • Earn 1 point per $2 spend outside of Robinsons and the 18 brands and 3 points per $2 overseas spend for rewards

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 Zara vouchers
Maybank Horizon Visa Signature

On Maybank's website

Maybank Horizon Visa Signature

Highlights

  • Up to 3.2 miles per $1 spend on dining, petrol, taxi and travel expenses
  • Complimentary access to selected VIP airport lounges
  • Up to $1 mil travel insurance coverage
  • 3 years annual fee waiver

Finty Rewards

  • $10 cash upon getting your card, even for existing Maybank cardholders

Bank promo

  • $100 cash credit
Standard Chartered Unlimited Cashback Credit Card

On Standard Chartered's website

Standard Chartered Unlimited Cashback Credit Card

Highlights

  • Honeymoon of 3% cashback on foreign currency spend
  • 1.5% cashback on all other spending worldwide
  • No cap in your way of more cashback and no min spend

Finty Rewards

  • $30 cash upon getting your card, even for existing SC cardholders

Bank promo

  • $80 cashback, no min spend ($20 cashback for existing SC cardholders)
American Express Singapore Airlines KrisFlyer Ascend Credit Card

On American Express' website

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Highlights

  • Earn 2 miles per $1 spend with Singapore Airlines, KrisShop, SilkAir, or SilkAir Skyshop, also overseas spend in June and December
  • All other purchases earn you 1.2 miles per $1 spend; Miles are auto credited to your KrisFlyer account
  • Earn 3.2 miles per $1 spend on Grab rides, up to $200 each month
  • Enjoy 4 complimentary airport lounges access to any participating SATS Premier and Plaza Premium Lounge each year 
  • Up to $1,000,000 travel insurance coverage

Finty Rewards

  • No Finty rewards at the moment

Bank promo

  • 32,000 miles
American Express Singapore Airlines KrisFlyer Credit Card

On American Express' website

American Express Singapore Airlines KrisFlyer Credit Card

Highlights

  • Earn 2 miles per $1 spend with Singapore Airlines, KrisShop, SilkAir, or SilkAir Skyshop, also overseas spend in June and December
  • All other purchases earn you 1.1 miles per $1 spend
  • Earn 3.1 miles per $1 spend on Grab rides, up to $200 each month
  • All miles are auto credited to your KrisFlyer account, sparing you the hassle
  • Up to $350,000 travel insurance coverage

Bank promo

  • 18,000 miles
American Express Platinum Credit Card

On American Express' website

American Express Platinum Credit Card

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 

Bank promo

  • Samsonite Sigma 76cm Expandable Spinner Luggage worth $600
Standard Chartered Rewards+ Credit Card

On Standard Chartered's website

Standard Chartered Rewards+ Credit Card

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
  • Exclusive privileges, 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes, 50% off à la carte dining at The Fullerton Hotel Singapore and The Fullerton Bay Hotel Singapore

Finty Rewards

  • $30 cash upon getting your card, even for existing SC cardholders

Bank promo

  • $80 cashback, no min spend ($20 cashback for existing SC cardholders)
Standard Chartered Spree Credit Card

On Standard Chartered's website

Standard Chartered Spree Credit Card

Highlights

  • Up to 3% cashback on online spends, 2% cashback on all contactless and mobile payments, no min spend for cashback
  • 1-for-1 Dining offers at participating restaurants with The Good Life
  • If another website is selling your recent online purchase for cheaper, you get 50% of the price difference back

Finty Rewards

  • $30 cash upon getting your card, even for existing SC cardholders

Bank promo

  • $80 cashback, no min spend ($20 cashback for existing SC cardholders)
Citi PremierMiles Visa Card

On Citi's website

Citi PremierMiles Visa Card

Highlights

  • Earn 2 miles per $1 overseas spend and 1.2 miles per $1 local spend, miles won’t expire on you
  • Access to over 1,000 airport lounges with Priority Pass membership
  • Up to $1 mil travel insurance coverage is awesome
  • Up to 10% rebate at over 500 merchants
  • Earn miles or reward points when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • 40,000 miles
Citi Rewards Card (Visa)

On Citi's website

Citi Rewards Card (Visa)

Highlights

  • Earn 10 points per $1 spend on clothes, bags, or shoes online and at department stores worldwide
  • All other purchases still earn you 1 point per $1 spend, no cap
  • No min spend required, enough points could get you that dream holiday, wishlist item and vouchers, or convert 3,600 points to $10 rebate
  • Up to 10% rebate at over 500 merchants
  • Earn miles or reward points when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • 30,000 points
Citi Cash Back Card (Mastercard)

On Citi's website

Citi Cash Back Card (Mastercard)

Highlights

  • 8% cashback on all Grab rides, all year long
  • 8% cashback at all F&B outlets worldwide daily (delivery counts too and 20% for UberEATS)
  • 8% cashback at all supermarkets worldwide daily (delivery counts too)
  • Up to 20.88% fuel savings at Esso, 22.72% at Shell, and 8% cashback at all other petrol stations
  • All other purchases still get you 0.25% rebate, no cap

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cashback
Citibank SMRT Card

On Citi's website

Citibank SMRT Card

Highlights

  • Up to 7% rebate at selected grocers
  • Up to 15% rebate at selected cafés
  • 5% rebate at Popular and Toys'R'Us
  • Up to 2% rebate on your EZ-Reload with no convenience fee
  • Rebates are redeemed as vouchers or offset your next purchase 

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cash back
Citi Cash Back Card (Visa)

On Citi's website

Citi Cash Back Card (Visa)

Highlights

  • 8% cashback at all F&B outlets worldwide daily 
  • 8% cashback at all supermarkets worldwide daily
  • Up to 20.88% fuel savings at Esso and Shell, and 8% cashback at all other petrol stations
  • All other purchases still get you 0.25% rebate, no cap

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cash back
Citibank Ready Credit

On Citi's website

Citibank Ready Credit

Highlights

  • Credit line with up to 4X your monthly income
  • Convert to flexible instalments of up to 60 months with a lower interest rate of 1.663% per month
  • Get 1% cash rebate on all online and retail purchases 
  • Withdraw cash at over 1.4 million ATMs locally and overseas
  • Pay anyone conveniently with your free cheque book

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • Up to $150 NTUC FairPrice vouchers
Citi Prestige Credit Card

On Citi's website

New

Citi Prestige Credit Card

Highlights

  • Earn 5 points (2 miles) per $1 overseas spend and 3.25 points (1.3 miles) per $1 local spend
  • No cap on points and miles won’t expire on you
  • A concierge team to support your lifestyle at home and abroad 
  • Complimentary 4th night stay hurray
  • Earn miles or reward points when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • 62,500 points (25,000 miles)

Q&As about Credit cards

What is a credit card and how does it work?

Physically, a credit card is most commonly a piece of plastic — or metal in some cases — about the same size as a business card, embossed with the cardholder’s name and containing an embedded security chip and a magnetic stripe, either of which may be used to verify electronically that the card is valid, identify the cardholder’s account details and complete payment for a purchase.

Financially , a credit card is issued to a customer by a financial institution. This gives the customer access to a revolving line of credit which he or she can use to make payments for goods and services, up to an agreed credit limit. The customer is not usually required to pay for the goods and services until a specified payment due date each month, which is usually a set number of days after the end of the monthly billing cycle. In most cases no interest will be charged on the amount of these purchases, unless the customer fails to pay off the total purchases balance on the due date. In the event of this failure to clear the balance, any remaining amount will attract interest charges at a rate very much in excess of normal bank lending rates.

What is the difference between a credit card and a debit card?

You use a debit card to make purchases with your own money. The amount of your purchase is deducted from the balance in the bank account linked to your card, and if you don’t have enough money in the account the transaction will be declined.

You use a credit card to make a purchase with money you are borrowing from the card issuer, as part of an agreed line of credit. When the monthly payment due date arrives, you either make a payment into your credit card account to clear the total balance, thus avoiding interest charges, or leave part of the balance in the account and incur high interest charges.

Are credit cards free?

Some cards have the potential to be free if used carefully. For example, if a credit card has no annual fee, and you never miss paying off your total purchases balance on or before the due date (and therefore never incur interest charges and late payment fees) and never make overseas purchases while online or while travelling (and therefore never incur foreign transaction fees), then you could operate your credit card account free of charge.

But most cards do have an annual fee, and many cardholders do fail to pay off their balance on time, resulting in interest charges and late payment fees. In addition to the fees they charge to merchants for processing your purchase transactions, fees and interest charges are some of the ways in which banks make a profit from credit cards.

So how much will a credit card cost me in terms of the annual fee?

Anywhere from $0 for a basic card with few or no benefits (other than a line of credit and payment convenience) to $800 or more for a premium card with air miles or rewards points and heaps of high-end lifestyle benefits and privileges. The vast majority of credit cards fall somewhere in the middle of these two extremes, and $192.60 is a typical fee.

Many credit cards do feature an automatic annual fee waiver for the first one or two years. Some cards waive the annual fee when a target spending amount has been reached in the previous year.

Other than being a convenient means of payment and giving access to a line of credit, what other features do credit cards have?

The credit card market is very competitive, and in order to make their cards attractive to a wide variety of consumers, banks tend to offer a range of cards. The range may start with a basic card with no extra features and a low or even no annual fee. Further up the range, cards with more features will have a higher annual fee.

Typical credit card features include:

  • Air miles or other rewards points earned on purchases
  • Discounts on petrol, groceries, or online travel bookings
  • Cash rebates on all purchases, and possibly higher rebates on specific purchase categories (e.g. dining + leisure, or groceries + petrol)
  • Complimentary travel insurance
  • Complimentary airport lounge access
  • Hotel, golfing and other leisure, travel or entertainment privileges
  • Cash or merchandise or loyalty points gift on sign-up or first spend
  • Complimentary airport limousine service
  • Complimentary hotel nights
  • Annual fee waiver for reaching a target spending amount
  • Foreign transaction fee waiver
  • A concierge or lifestyle butler service

Do all credit cards earn air miles or rewards points?

No. Some may have other benefits instead, such as discounts or cashback on specific types of spending (e.g. petrol, groceries).

What kind of credit card should I choose?

Compare all the options right here at Finty: air miles, cashback, dining, entertainment, grocery, instalment, overseas spending, petrol, rewards points and shopping credit cards.

Take a look at the statement for your existing credit card, debit card or bank account to see where most of your money goes. Then pick out the cards with the best rewards, in terms of miles, points, cashback or discount, for your two or three largest spending categories. Narrow down your choice by comparing the cost (annual fee) and other benefits that come with these selected cards, until you find the card that is the best fit for you.

What are credit card foreign transaction fees?

Most banks charge a fee for credit card purchases you make from overseas merchants, when you are travelling or when you are shopping online. This is a fee of between 2.5% and 3.5% of the purchase price when converted to SGD. You will pay this fee whenever the merchant’s transaction processing centre is located outside Singapore, even though you may have made the payment in SGD (e.g. when shopping online) and were unaware that you were making a foreign transaction.

A small number of credit cards offer a waiver of foreign transaction fees as one of the card’s benefits.

What is a credit card minimum repayment?

Although we recommend that you try to repay your balance in full and on time every month, to avoid paying interest charges, paying the balance in full is not compulsory. But it is compulsory to make a least a minimum repayment each month, on or before the payment due date (to avoid a late payment fee). For most cards the minimum monthly repayment will be either $50 or 3% of the outstanding balance, whichever is greater.

How do I make a credit card repayment?

The easiest way to make a repayment is by making a funds transfer to your credit card account using internet banking.

Other payment methods include:

  • Automated GIRO payments
  • AXS physical station, AXS e-Station, AXS m-Station mobile app
  • Over the counter at the bank
  • The old-fashioned way — a cheque in the mail (but post it well ahead of the payment due date)

Is there a minimum age for credit card applicants?

Yes. In Singapore you must be at least 21 to apply for a card as the primary account holder in most cases, although some banks do issue student credit cards to applicants aged 18-20. Supplementary cardholders must normally be at least 18 years old.

What level of income do I need before applying for a credit card?

For most cards you’ll need a minimum annual income of $30,000 if you’re a citizen of Singapore. Income requirements may be higher for permanent residents or foreigners. Premium and elite cards, loaded with benefits and privileges, will have much higher income requirements for all applicants.

What documentation will I need when applying for a credit card?

You’ll need to prove your identity (photocopy of NRIC or passport), income (latest monthly income statement or most recent annual tax assessment) and residential address (utility bill).

Will I need a good credit score before I can apply for a credit card?

Having a good credit score will obviously improve your application’s chances of success, and will also affect the size of the credit limit you are given. But don’t worry if you don’t have a credit history — in this case the bank will concentrate on your income, or ask you for collateral (such as a fixed deposit bank account) as security, when deciding whether to issue you with a card.

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