Credit cards, Saving account, and more (SG 2013)

Credit cards

The following table covers most of credit cards with more than 2% rebates. To see list of credit cards for specified purpose:

• Credit cards for online payment
• Credit cards for supermarkets
• Credit cards for ez-link
• NETS and other rebate / savings (non-credit-card)

Card	Rebate/Rewards	Eligibility	Remarks
Maybank Family & Friends Platinum MasterCard	5% NTUC Fairprice, Cold Storage, Popular, Toys "R" Us etc.	N.A.	★★★★★ * Rebate @ 1st day of next month
POSB Everyday Card	5% ShengSiong 1% SP Services 1% Starhub 3% Watsons 2% EZ-Reload	N.A.	★★★★★ * Recommend for ShengSiong * Recommend for easy SP Services payment
OCBC Frank Credit Card	6% Online2 0.5% Others	Spend S$500 (calendar month)	★★★★★ * Capped at S$60 per month for Online * Good for any online purchase (e.g. air tickets) @ S$500~S$1000. * Rebate @ last day of next month * See "Tips to achieve monthly S$500 online spending"
SCB3 Bonus$aver	Ard S$39 per month (= 7~8% rebate)	Spend S$500 (calendar month) + S$25000 Bonus$aver deposit	★★★★★ * Interest @ first day of next month * Good for recursive bill payment1 or costing * See "Tips to achieve continuously min monthly spending"
SCB3 MANHATTAN World MasterCard	3%	Spend S$3000 (bill cycle month)	★★★★ * Capped at S$200 per quarter * Good for prudential life insurance, expensive items, course fees etc. * Rebate @ first few days of next quarter
BOC Family Rebate Card	4.5% supermarkets, Guardian, Popular, Watsons, Toys 'R' Us etc. (0.5% if < S$100) (5% if > S$1000)	Spend S$100 (bill cycle month)	★★★★ * Capped at S$100 per month * Good for supermarkets etc.
BOC Shop! Card	5.5% Online 5.5% Selected department stores (6% if > $1000)	Spend S$100 (bill cycle month) * Til Mar 31, 2014	★★★★ * Capped at S$100 per month * Good for online, selected department stores. * More info available here
DBS Woman's World Master Card	10X Rewards Online (=3.5%~4% rebate) (=4 miles)	N.A.	★★★★ * Good for online payment. * 10X rewards applied to first S$2000 online payment
Citi Rewawrds Card	10X Rewards on shopping (clothes, shoes or bags) (=3.5%~4% rebate)	N.A.	★★★★ * Good for shopping for clothes, shoes, or bags (incl. online shopping).
UOB JCB Platinum Card	3% rebate at major department stores4 5% rebate at Meidi-ya, Muji and Uniqlo3.	N.A.	★★★★ * Good for shopping at selected department stores.
SCB3 SingPost Platinum Visa Credit Card	2% Online2 6% supermarkets	Spend S$500 (bill cycle month)	★★★ * Capped at S$50 per month for all * Rebate @ few few days of next cycle
UOB One Card	3.33%	S$30 (S$80, or S$150) for min S$300 (S$800, or S$1500) spending on all 3 months per bill quarter	★★★ * Good for recursive bill payment1 * See "Tips to achieve continuously min monthly spending"
UOB Preferred Platinum Visa Card	10X for Wave, Online2 (=3%~3.5%)	N.A.	★★★ * Good for online spendings, visa payWave.
NTUC Plus! Visa Credit Card or Plus! Visa Card	2% for EZ-Reload 1.3 % for bills	N.A.	★★★★ * Use it to get member points (additional 1.3% in FairPrice), not to pay * Good for NTUC FairPrice * See "How to earn more rebate in FairPrice"
DBS Altitude Visa Signature Card	1.2 miles per $1 spend (S$5 = 3 DBS Points)	N.A.	★★★ * Best card for Income Tax (via AXS) [Will cease from Oct 1, 2013]
Citibank SMRT Platinum Visa Card	2.7%# selected supermarkets 4.7%# Coffee 1.7%# EZ-Reload	N.A.	★ * Not recommended for most of ppls as its functionalities are well covered by other cards.

Recursive bill payment¹: See "Tips to achieve continuously min monthly spending"
Online payment²: See "Tips to achieve monthly S$500 online spending"
SCB³: Standard Chartered Bank.
Major department stores⁴: BHG, Isetan, John Little, Marks & Spencer, Metro, OG, Robinsons, Takashimaya and TANGS.
#: See corresponding website for details. The author thought it wastes time to explain.
Note: There is no card to recommend for HSBC & ANZ as their complication of rebate eligibility.

Saving accounts

Account	Effective Interest	Eligibility	Remarks
SCB3 Bonus$aver	1.88% p.a.	Min S$500 spending on credit/debit card in that calendar month (0.1% if min S$500 spending not achieved in that month)	★★★★ * 1.88% is applicable to first S$25,000 for Bonus$aver account * You will get around S$39 per month if min S$500 spending achieved * Good for households * See "Tips to achieve continuously min monthly spending"
CIMB StarSaver	0.8% p.a.	Monthly deposits or periodic lump sum deposits	★★★★ * Check with CIMB for details
OCBC Bonus+	0.69% p.a.	No withdraw (0.37% or less if you have any withdraw)	★★★★ * For each quarter, you will get 0.37% p.a. or less if you have any withdraw in your account
Fixed deposit (e.g. OCBC, DBS)	1%+ p.a.	No withdraw within 1 or more years	★★★★ * Check with the bank (e.g. OCBC, DBS) for details
OCBC Frank Account	0.3% p.a.	Deposit: S$10K ~ S$100K (0.2% if < S$10K, or 0.4% if > S$100K)	★★★ * Good to "Credit your pay"
BOC SGD Savings Account	0.35% p.a.	Deposit: S$20K ~ S$50K (0.275% if S$5K ~ S$20K, click here to see more details)	★★★
MayBank iSAVvy Savings Account	0.32% p.a.	Deposit: S$5K ~ S$50K (Click here to see more details)	★★★
MayBank iSAVvy Savings Plus Account	0.30% p.a (plus some bonus interest)	Deposit: S$5K ~ S$50K (Click here to see more details)	★★★
OCBC Plus! Savings Account	0.2% p.a.	Deposit: 0 ~ S$50K (0.4% if > S$50K)	★★★

Insinc - Get rebate while using ezLink card

Insinc let you earn rebate while using your ez-link. You could just register-and-forget, and just waiting for some small amount of surprise to be credited into your ez-link card.

You can visit here for more details.