Good Credit Cards To Apply For With No Credit

Good Credit Cards To Apply For With No Credit – 💳 This is part of the “Best Cards” series to use. Click here for great cards to use in other spending categories!

Don’t want to micromanage your credit card spending or fulfill complicated requirements? We don’t just have to deal with a 1.5% cash back rate or less than 1.2 miles per dollar spent.

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Here are some cards that will give you 2% or more on most spending, without requiring you to jump to get your card’s rewards. Just in time, as the GrabPay Mastercard no longer offers the 2.9% cashback it used to.

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HSBC Advance offers 1.5% cashback if you spend less than S$2,000 with no minimum spend in a month. It’s like other 1.5% cash back cards, but spend at least $2,000 and you’ll get a better rate of 2.5%.

No more than $70 in cash back per month, which means you shouldn’t spend more than $2,800 on this card per month. If you don’t want to spend a lot of money, this should be more.

Additionally, if you join the HSBC Everyday+ program, where you get 1% cash back, this card earns you 3.5% cash back. To qualify, you need an HSBC EGA account and meet the requirements, mainly by depositing S$2,000 in new funds and making 5 valid transactions with your card every month.

Another HSBC card that offers a reasonable interest rate and low fees is the HSBC Revolution. HSBC Revolution gives you 10 points per dollar spent on eligible transactions, equivalent to 4 miles per dollar – the highest mileage earning rate you can get today. Since points can be converted to cash, 10 points per dollar means a 2.5% cash back rate.

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Don’t spend more than $1,000 per month on this card, as everything above earns 1 point per dollar spent. This is what a 0.25% cashback looks like.

Like HSBC Advance, HSBC Revolution is also eligible for HSBC Everyday+, which offers 1% cashback.

Earn 10X points on Paywave and online transactions. The annual fee is waived for life. Click here to view

Citi Rewards is essentially an online spending card, but when combined with Instarem Amaze, it can also be used for offline purchases and earn 10 points per dollar rate earned. All you have to do is add your Citi Rewards card to the Instarem app and use your Amaze card at retail stores.

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As with the HSBC Revolution, 10 points can be converted to 4 miles or cash back. Converting Citi Rewards points to cash back results in a 2.27% cash back rate, but if you choose cash back, it’s closer to 3% in fees. You can check the review for more information.

Like the HSBC Revolution, the maximum amount you need to deposit on this card every month is S$1,000 to get its big fee.

Earn 10X bonuses on online and retail sales (4mpd or 2.27% cashback per day). Read the review here

The KrisFlyer UOB Credit Card gives you 1.2 miles per dollar on most spend, but you can also earn up to 3 miles per dollar when:

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For transfers under (1), 3 miles per dollar will be credited before the end of each accounting month.

For (2), you get an average return of 1.2 miles per dollar. However, if you spend more than $800 on Singapore Airlines, Scoot and KrisShop (excluding Kris+) during the card membership year, you will earn 1.8 miles per dollar at the end of the membership year.

If you spend a lot of money on Singapore Airlines every year, using the KrisFlyer UOB card is easy. Join Instarem Amaze (because Amaze revolutionizes online transactions) and use the pair for multiple ways to spend money and you should earn 3 miles per dollar on most merchant transactions.

* earn 1.2 miles per dollar on local transactions and 3 miles per dollar on qualifying purchases

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Spending $800 a year with Singapore Airlines includes food delivery, online shopping and travel and transportation.

The DCS Ultimate Platinum Mastercard offers 2% cashback up to S$10,000 spent per month. Cashback is $200 per month and is valid on most transactions, with exceptions such as insurance.

DCS Cardholders are defined as those who do not have a new DCS-issued credit card and who do not have a DCS-issued credit card canceled 9 months prior to the month the New Reward Card is approved.

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Despite the naysayers, the GrabPay Mastercard may not be dead yet, for those who really want cashback. Top up your GrabPay Mastercard for 1.7% cashback (or Amex True Cashback for 1.5%) and UOB Absolute can be the easiest way to get your rewards… even with 1.7% cashback it’s more better than 1.5% card cashback.

However, this combination has many advantages: firstly, you avoid the problem of few merchants accepting American Express cards in Singapore, because the GrabPay Mastercard is, as the name suggests, just a Mastercard.

Second, you will definitely get money when you get your Grab and UOB Absolute account. Although 1.5% cash back cards offer rewards on a wide range of spending, there are still many positions that don’t earn a 1.5% cash back rate. Insurance, for example, is excluded from all credit cards on the market.

The interest rates on these cards aren’t exactly exciting, but they’re worth the convenience. For the cards with the best rewards, check out our list of cards with the highest payout rates.

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Please be careful when registering for any service/product as I am not responsible for any personal, financial or other losses. What is posted here is my opinion and opinion only, and none of the information here is intended as personal financial advice and does not necessarily reflect the views of my employer. These payment cards offer many facilities including cash withdrawals, money transfers and online payments. . You can also make contactless payments with NETS FlashPay or Visa payWave, now a “must have” option.

At a glance, payment cards are all the same: they have your name, card number, expiration date, identification of the issuing bank or organization, and a magnetic strip, smart chip, or both.

In 1979, the first ATM was introduced in Singapore to provide easy cash to customers. With your ATM card and personal identification number (PIN), you can withdraw money from a checking or savings account at an ATM kiosk.

The main function of the ATM has not changed, but today you can use it to save money, pay bills, transfer money, card services and investment services. Although your ATM card can be accessed at most ATMs in Singapore – even banks and some foreign partner banks – there may be additional fees if you are not a bank account holder at that bank.

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When the Network for Electronic Transactions (NETS) was established in 1985 by major banks in Singapore, including Bank and POSB Bank, it enabled many functions for ATM cards.

With NETS, point-of-sale (POS) transactions can be easily completed using ATM cards at merchants and NETS terminals. This means carrying less physical cash. NETS also offers other services such as prepaid cards for drivers (eg ERP and parking), self-service payment kiosks and online credit card payment systems. However, NETS is limited to local payment operations.

When cash withdrawals and/or NETS payments are made via an ATM card, funds are withdrawn from your linked bank account in real time.

To get a credit card, you must first apply

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