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What Credit Cards To Apply For With No Credit History – Effective January 8, 2024, changes to applicable transactions or eligible purchases. Learn more about changes to terms on our credit card FAQ page.
Get up to SGD 1,000 cash back every year with our Visa Platinum Credit Card. With a wide variety of benefits and discounts available, there is something for everyone in the family to enjoy. Plus, this card is now made from 85.5% recycled plastic, good for the planet and your wallet.
What Credit Cards To Apply For With No Credit History
Apply now for instant approval[@cards-instant-approval-tnc]. Plus, choose between Samsonite ZELTUS 69cm Spinner Exp with Built-in Scale worth SGD680 or get SGD150 cashback when you spend at least SGD1000 and provide marketing consent on the application form.
Credit Cards For Students With No Credit
Note: From January 8, 2024, monthly repayments under 0% Card Installment Plans and PayLater Installment Plans are not eligible to earn reward points.
With more than 150 years of financial experience, we are a trusted name for generations. Millions of customers use our credit cards every day in Singapore and beyond.
We have been helping people bank in Singapore for over 140 years. From our original headquarters at Collyer Quay and now from the Marina Bay Financial Center and through our strong island-wide retail network.
We recently received the AsiaMoney Best Bank Awards for Best International Bank Singapore and Best ESG Bank Singapore.
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Deposit a minimum of SGD 2,000 (or SGD 5,000,000 for Premier customers) in new funds to your Daily Global Account every calendar month.
Additional 1% Daily + Cashback is limited to SGD 300 (or SGD 500 for Premier customers) per calendar month.
Apply now for credit card and daily global account to enjoy SGD200 cashback and Samsonite Prestige 69cm Spinner Exp with built-in scale worth SGD670. or refund up to SGD 400. Contracts apply.
Give your consent to marketing on the registration form and you may not withdraw your consent at the time the gift is made
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Note: Choosing a gift below does not guarantee your eligibility, all welcome gifts are subject to the bank’s eligibility criteria.
Choose Samsonite ZELTUS 69cm Spinner Exp with built-in scale, worth SGD 680 or get SGD 150 cashback when you spend at least SGD 1,000 and give marketing approval when you apply for this card. Other terms and conditions apply.
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Sign up now and get SGD 150 cashback Sign up now and get SGD 150 cashback This link will open in a new window
Best First Credit Cards To Build Credit Of December 2023
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Our credit cards open up a world of banking convenience, benefits and advantages. And now you can share it with your family too! Terms and conditions apply.
Leave us your contact details online or by SMS and we will call you within 3 working days to help you apply for this card.
All transactions not listed as exceptions count towards the minimum requirement to earn discount. A complete list of exclusions can be found in the Quarterly Cash Rebate Program Terms and Conditions (PDF). If you use Installment Payments, just qualify your advance total for the month of purchase. Subsequent credit amounts do not qualify.
Best Credit Cards For People With No Credit In 2023
Your rebates will be posted to your credit card account within 2 months of the end of each quarter. For example, if you spent between October and December (quarterly) on eligible purchases in your rebate categories, your rebates will be posted to your account by February 28 of the following year.
Your credit limit is subject to our review and approval. If you have set a desired credit limit, the amount we offer may be less than what you requested.
A finance charge is calculated based on the amount taken from the date the transaction is posted to your account until payment is made in full or the next transaction date, whichever is earlier.
We waive the annual fee for the first 2 years from the date of your credit card. From the third year onwards, we will waive your card’s annual fee if you spend more than SGD 12,500 annually.
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Looking for a credit card that rewards you even when you spend or extra travel benefits? You may be interested in the following cards.
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Follow Singapore on Facebook This link will open in a new window Follow Singapore on Instagram This link will open in a new window. Follow Singapore on YouTube This link will open in a new window Some credit cards do not disclose your credit history when you pay a fixed deposit. If you can afford the payment, you can access cards with much higher rewards rates.
The HSBC Revolution Card is a great, affordable choice as a first credit card, as long as you’re willing to pay a down payment. Those willing (and able) to pay S$10,000 as collateral may be rejected due to lack of credit history. This waiver is repayable at a later date, but does not earn interest during this period.
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Back to rewards, the HSBC Revolution Card is the best on the market for social and online users. Cardholders earn 2 miles per S$1 on local dining and entertainment, as well as online spending (including travel bookings and bill payments). There is no minimum spending requirement and no reward limit, so acquisition is very easy and simple. Additionally, the S$160.5 fee is waived with an annual spend of S$12,500, making the card quite affordable. In general, if you have no credit history but can afford to pay a fixed deposit, the HSBC Revolution Card offers the best way to earn miles.
If you can afford to pay an upfront deposit of S$10,000 as a loan waiver (to be paid later), the CIMB Platinum MasterCard is a great choice for a first-time credit card. Cardholders earn market-best 10% cashback across categories including medical, transportation and gas, dining, travel expenses and transactions at select electronics and furniture retailers. While there is a minimum spending requirement of S$800, cardholders can earn up to S$100/month or up to S$1,200/year. Other benefits include e-commerce purchase protection and a free credit card forever.
Many credit cards with S$500 credit limits waive or do not require a verified credit history. The cards below are great options available for young working adults.
If you are looking for your first credit card, you should definitely consider the CIMB AWSM card. To qualify, you must be either a student or an employee earning at least S$18,000 if you are under 35 years old. This makes a lot of sense for most first timers with no credit history. Cardholders get 1% discount on dining, entertainment, online and telecom with no minimum spend and no income limit. This rate is great because it covers the main spending categories for many young people and is 4 times the discount that various alternatives offer.
Credit Cards Only No Checks Or Cash Accepted Sign. Size Options. Payment Policy
You may also be interested in the CIMB AWSM card for convenience, affordability and benefits. Cardholders can tap and go to pay for bus and train travel. They also have access to exclusive MasterCard benefits and CIMB promotions and discounts offering special offers across SE Asia. Finally, the CIMB AWSM card is free forever. If you have no credit history and want a starter credit card, there is no better option.
The Standard Chartered Manhattan S$500 card is worth considering if you have no credit history and don’t want to pay a large down payment to get a waiver. Consumers must be students or low-income adults earning at least S$18,000 per year. This is one of the only cards available to workers at this salary level. Cardholders receive an equivalent 0.25% discount on all charges.
Although this discount rate is relatively low, the SC Manhattan S$500 card is perfect for beginners. There are no categories or retailers to follow. all spend deservedly rewarded. There is an annual fee of S$32.1 which is quite low and waived for 1 year. Overall, if you want an easy-to-use credit card with a credit-building discount, consider the SC Manhattan S$500 card.
The CIMB Visa Signature Card is worth considering as a first-time card, although consumers will need to pay a pre-determined deposit of S$10,000 as a loan waiver (which will be refunded later). However, this deposit can be worth a lot, with cardholders earning 10% shopping rewards cashback on groceries, online shopping, beauty, pet care and cruises up to S$100/month. It is worth noting that there is a minimum requirement of S$800, so the low cost may not match. However, cardholders also enjoy great benefits such as free travel insurance and the credit card is free forever.
Getting A Credit Card With No Credit Check
Below, we’ve compiled a summary of our picks for the best credit cards with no credit history in 2023.
The graph below shows the estimated cost to the consumer (in SGD) of the best credit cards for people with no credit history in Singapore. Dollar values are
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