Compare Premium Credit Cards for High Income Earners

{"ajaxResults":[{"_id":1,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"New Citibank cardmembers get 30,000 Citi ThankYou Points upon activating and spending S$3,000 within the first 3 month","value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"Up to 15% off lunch, brunch and dinner at Oscar's Conrad Centennial Singapore (and more)","category":["general","shopping","petrol","overseas","promotion"],"cons":"Less valuable for infrequent shoppers | Foreign transaction fees apply","description":"Best Shopping Credit Card for Miles","editorial":{"perks":"Annual fee: S$194.40 (first year- waived)| 4 miles (10X Rewards) per S$1 on shopping purchases | 4 miles (10X Rewards) per S$1 on online shopping (inc. food delivery, online grocery & ride-hailing services) | 1X reward point for every S$1 on all other spending | No minimum spend required | Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles | 10X rewards are capped at 10,000 pts per month | 10X rewards excludes travel purchases online and non-fashion purchases offline","reviewLink":"\/citi-rewards-visa-card-review","reviewSummary":"The Citi Rewards Card is one of the most flexible rewards-earning options in Singapore, offering 4 miles per S$1 spent on retail fashion and most online purchases.","tagline":"Best Credit Card for Shopping and Earning Miles"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"Selected Hotels only: 20% off, capped at SGD50","expedia_Booking":"Book by 30 Jun 2022","expedia_Code":"CITI20","feeText":"S$194.40","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Rewards_Mastercard_04.15.2020.png","isActiveInTools":false,"issuer":"Citibank","klook":"[Exclusive] 1-For-1 Citi Deals & VTL Offers [SGD10 off min. spend of SGD60\/ SGD50 off min. spend of SGD300]","klook_Booking":"Book by Jun.30,2022","klook_Code":"","latePayment":80,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=5&a=58"},"name":"Citi Rewards Credit Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","promotion_Klook":"S$30 cash via PayNow (existing customers)","pros":"Great for online & offline shopping | Beneficial for frequent travellers ","rating":90,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"grocery":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for online groceries, capped at 10,000 Points (4,000miles) per month"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"overseas":{"rate":0.4,"text":"10 Pts (4miles) per S$1 Spend for shopping transactions, local and overseas, capped at 10,000 Points (4,000miles) per month. Shopping transactions include purchase of shoes, clothing, or bags; spend at departmental stores; and purchases from online shopping merchants"},"petrol":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for shopping transactions, local and overseas, capped at 10,000 Points (4,000miles) per month. Shopping transactions include purchase of shoes, clothing, or bags; spend at departmental stores; and purchases from online shopping merchants"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"transportation":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for rides with Grab, Gojek and more, capped at 10,000 Points (4,000miles) per month"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"utilities":{"rate":0,"text":"utilities excluded, see Citi's ThankYou points list of excluded MCC codes"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Up to 4mi\/S$1 spend on fashion retail & all online spend","suppCard":"2 cards free first year, S$96.3 per year afterwards","toc":"Up to 4 miles per S$1 for fashion & online spend","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":90,"active":true,"promotions":[{"promotion1":"Receive an Apple iPad 9th Gen (worth $499) or Xiaomi Mi Robot Vacuum-Mop 2 (worth $549) or Samsonite Straren Spinner (worth S$600) or S$350 Cash within 30 days of card approval.","promotion2":"Promotion is valid from 16 - 31 August 2022","promotion3":"","promotionShort":"PROMO: Apple iPad 9th Gen (worth $499) and other prizes","expiryDate":"2022\/08\/31"},{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"No promotion for existing card holders","promotionShort":"Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow.","expiryDate":"2022\/10\/16","promotion3":"Promo period: 3 October to 16 October 2022"},{"promotion1":"Qualified customers can receive a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 in cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Get a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 cash.","expiryDate":"2022\/10\/31"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$400 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 1 - 8 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-100XM5 \/ AirPods Pro (2nd Gen) + Mag Safe Charger \/ S$400 cash via PayNow","expiryDate":"2022\/11\/08"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$350 Cash via PayNow\n","promotion2":"No promotion for existing card members\n","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval\n","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period\n","promotion5":"Promotion period: 9 - 15 November 2022\n","promotionShort":"PROMO: Qualified customers can receive a Dyson Supersonic \/ Sony WH-1000XM5 \/ AirPods Pro (2nd Gen) + MagSafe Charger \/ S$350 Cash via PayNow","expiryDate":"2022\/11\/15"},{"promotion1":"Get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy (worth S$549) \/ Morning Coffee Machine (worth S$510) \/ Popsical Remix II (comes with 1 Month Free Subscription) (worth S$599) and win up to S$30,000 worth of prizes with Citi Rewards Card","promotion2":"Promotion valid until 8 Dec 2022 and is only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotionShort":"PROMO: Qualified customers can get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy \/ Morning Coffee Machine \/ Popsicle Remix II & more","expiryDate":"2022\/12\/08"},{"promotion1":"Receive S$300 Cash via PayNow. Promotion period: 9 - 18 December 2022","promotion2":"No promotion for existing card members","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotionShort":"PROMO: Qualified customers can get S$300 Cash via PayNow","expiryDate":"2022\/12\/08"},{"promotion1":"Get a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow\/ S$350 Cash via PayNow","promotion2":"Promotion valid only for new card members","promotionShort":"PROMO: New card members can receive a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow","expiryDate":"2023\/09\/17","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion period: 1 - 17 September 2023"}]},{"_id":2,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":540,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Welcome Gift: 25,000 Miles = S$250 value-to-consumer; Annual Renewal Bonus: 25,000 Miles = S$250 value-to-consumer","value":250},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.26,"booking":"-","booking_Booking":"-","buffetPromo":"Up to 15% off lunch, brunch and dinner at Oscar's Conrad Centennial Singapore","category":["general","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","dining","promotion","taxes"],"cons":"Very high annual fees | Unsuitable for moderate budgets ","description":"Travel Card with Luxury Benefits","editorial":{"perks":"Annual fee: S$540 | 1.3 miles per S$1 local spend, 2 miles overseas | Citi Miles never expire. Exchange for frequent flyer miles, hotel stays, rewards and cash rebates. | 6 complimentary golf games at golf courses in Singapore, Malaysia, Indonesia and China | Unlimited lounge access, travel insurance, free hotel nights & more","reviewLink":"\/citi-prestige-mastercard-credit-card-review","reviewSummary":"One of the best-in-class options among Singapore's luxury travel credit cards, the Citi Prestige Mastercard combines a strong overseas rewards rate with premium perks like unlimited VIP airport lounge access."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"CITISG9 (9% off hotel), CITISG15 (SGD 15 off Flight + Hotel)","feeText":"S$540","financeCharges":"20-29%","foreignSalary":120000,"foreignSalaryText":"S$120,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-prestige-20190404.png","isActiveInTools":false,"issuer":"Citibank","klook":"Citi 10% off min. $50 [Klook x Citibank Yearlong Offer 2022, Available for Citibank Credit Card Members only, minimum spend S$50, capped at S$20 off]","klook_Booking":"Book by Dec.31, 2022","klook_Code":"10CITI2022","latePayment":80,"link":{"affiliate":"https:\/\/creatory.hyphengroup.io\/landingpage\/offer\/29c369cf-625a-44b0-9de3-06ab7d115962?sid=qckduh.kdeqw2"},"name":"Citi Prestige Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Great luxury benefits | Ideal for higher budgets | Great golfing and travel perks","rating":90,"rewardsRate":{"categories":{"dining":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"entertainment":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"general":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"grocery":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"medical":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"overseas":{"rate":2,"text":"2 miles per S$1 Spend for all overseas transactions, unlimited"},"petrol":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"shopping":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"telecommunications":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"transportation":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"travel":{"rate":10,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"utilities":{"rate":0,"text":"utilities excluded, see Citi's ThankYou points list of excluded MCC codes"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Unlimited lounge access, free travel insurance & bonus hotel nights","suppCard":"1 card free for life","toc":"Unlimited lounge access, bonus hotel nights & more","travelPromo":"18% off SG and VTL hotels with Agoda, 1-for-1 deals with Klook, Up to 20% off with Traveloka, Trip and Booking.com","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":90,"ratingCategory2":95,"ratingCategory3":85,"active":false,"promotions":[{"promotion1":"Receive an Apple iPad 9th Gen (worth $499) or Xiaomi Mi Robot Vacuum-Mop 2 (worth $549) or Samsonite Straren Spinner (worth S$600) or S$350 Cash within 30 days of card approval.","promotion2":"Promotion is valid from 16 - 31 August 2022","promotionShort":"PROMO: Apple iPad 9th Gen (worth $499) and other prizes","expiryDate":"2022\/08\/31"},{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"No promotion for existing card holders","promotionShort":"Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow.","expiryDate":"2022\/10\/16","promotion3":"Promo period: 3 October to 16 October 2022"},{"promotion1":"Qualified customers can receive a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 in cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Get a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 cash.","expiryDate":"2022\/10\/31"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$350 Cash via PayNow\n","promotion2":"No promotion for existing card members","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval\n","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period\n","promotion5":"Promotion period: 9 - 15 November 2022\n","promotionShort":"PROMO: Qualified customers can receive a Dyson Supersonic \/ Sony WH-1000XM5 \/ AirPods Pro (2nd Gen) + MagSafe Charger \/ S$350 Cash via PayNow\n ","expiryDate":"2022\/11\/15"},{"promotion1":"Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)\n\/ S$350 Cash via PayNow","promotion2":"Promotion valid only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion period: 9 - 19 January 2023","promotionShort":"PROMO: Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)","expiryDate":"2023\/01\/19"}]},{"_id":3,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Receive S$120 cash back* when you spend S$1,200 in the first 3 months. *Eligible for new Citi Cardmembers only.","value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"Up to 15% off lunch, brunch and dinner at Oscar's Conrad Centennial Singapore","category":["general","dining","grocery","petrol","overseas","promotion"],"cons":"Lacks shopping and entertainment rewards | Not suitable for lower budgets","description":"Great cash back card for average spenders looking to benefit from everyday purchases","editorial":{"perks":"Annual fee: S$194.40 (first year- waived) | 8% cashback on groceries | 6% cashback on dining | Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations | 0.25% cashback on all other purchases | Min. monthly spend of S$800 required to earn bonus cashback | Cashback capped at S$80\/month","reviewLink":"\/citi-cashback-credit-card-review","reviewSummary":"The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.","tagline":"Best for Getting Cashback on Everyday Purchases"},"esso_Disc":"Up to 20.88% fuel savings at Esso","expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$194.40","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi_Cash_Back_Mastercard_04.14.2020.png","isActiveInTools":true,"issuer":"Citibank","klook":"Citi 10% off min. $50 [Klook x Citibank Yearlong Offer 2022, Available for Citibank Credit Card Members only, minimum spend S$50, capped at S$20 off]","klook_Booking":"Book by Dec.31, 2022","klook_Code":"10CITI2022","latePayment":80,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=2&a=58"},"name":"Citi Cash Back Card","petrolSavings":"Up to 20.88% fuel savings at Esso & Shell","pros":"Great dining and groceries rewards | High petrol discounts","rating":95,"rewardsRate":{"categories":{"dining":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 8% for dining expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"entertainment":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"general":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"grocery":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 8% for grocery expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"medical":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"overseas":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"petrol":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 8% for petrol expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%. (Card membership provides additional opportunity to save up to 20.88% on fuel at Esso and Shell; see additional rebates column)"},"shopping":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"telecommunications":{"limit":25,"rate":0,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"transportation":{"limit":25,"rate":0.0025,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 8% for Grab Singapore transport expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"travel":{"limit":25,"rate":0.0025,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"utilities":{"limit":25,"rate":0,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":75},"rewardsType":"cashback","shell_Disc":"Up to 20.88% fuel savings at Shell","standOut":"Up to 8% cashback on groceries & petrol, 6% on dining","suppCard":"2 cards free first year, S$96.3 per year afterwards","toc":"Up to 8% rebate on groceries & petrol, 6% on dining","travelPromo":"18% off SG and VTL hotels with Agoda, 1-for-1 deals with Klook, Up to 20% off with Traveloka, Trip and Booking.com","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":95,"active":true,"spc_Disc":"8% cashback ","promotions":[{"promotion1":"Receive an Apple iPad 9th Gen (worth $499) or Xiaomi Mi Robot Vacuum-Mop 2 (worth $549) or Samsonite Straren Spinner (worth S$600) or S$350 Cash within 30 days of card approval.","promotion2":"Promotion is valid from 16 - 31 August 2022","promotionShort":"PROMO: Apple iPad 9th Gen (worth $499) and other prizes","expiryDate":"2022\/08\/31"},{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotionShort":"Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow.","expiryDate":"2022\/10\/16","promotion2":"No promotion for existing card holders","promotion3":"Promo period: 3 October to 16 October 2022"},{"promotion1":"Qualified customers can receive a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 in cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Get a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 cash.","expiryDate":"2022\/10\/31"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$400 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 1 - 8 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-100XM5 \/ AirPods Pro (2nd Gen) + Mag Safe Charger \/ S$400 cash via PayNow","expiryDate":"2022\/11\/08"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$350 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 9 - 15 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-1000XM5 \/ AirPods Pro (2nd Gen) + MagSafe Charger \/ S$350 Cash via PayNow ","expiryDate":"2022\/11\/15"},{"promotion1":"Get\u00a0Dyson V8 Slim\u2122 Fluffy\u00a0(worth S$549) \/\u00a0Morning Coffee Machine\u00a0(worth S$510)\/\u00a0Popsical Remix II (comes with 1 Month Free Subscription)\u00a0(worth S$599) \/\u00a0S$350 Cash\u00a0via PayNow and\u00a0win up to S$30,000 worth of prizes\u00a0with Citi Cash Back Card","promotion2":"Promotion valid until 8 Dec 2022 and is only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotionShort":"PROMO: Qualified customers can get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy \/ Morning Coffee Machine \/ Popsicle Remix II & more","expiryDate":"2022\/12\/08"},{"promotion1":"Receive S$300 Cash via PayNow. Promotion period: 9 - 18 December 2022","promotion2":"No promotion for existing card members","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotionShort":"PROMO: Qualified customers can get S$300 Cash via PayNow","expiryDate":"2022\/12\/08"},{"promotion1":"Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)\n\/ S$350 Cash via PayNow","promotion2":"Promotion valid only for new card members","promotionShort":"PROMO: Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)","expiryDate":"2023\/01\/19","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion period: 9 - 19 January 2023"},{"promotion1":"Receive a Dyson TP00 (worth S$509) \/ Nintendo Switch OLED (worth S$549) \/ Flujo Ayla Ergonomic Office Chair (worth S$1,139) \/ S$300 Cash via PayNow","promotion2":"Promotion valid only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion valid until 16 April 2023","promotionShort":"PROMO: Receive a Dyson TP00 (worth S$509) \/ Nintendo Switch OLED (worth S$549) \/ Flujo Ayla Ergonomic Office Chair (worth S$1,139) \/ S$300 Cash via PayNow","expiryDate":"2023\/04\/19"},{"promotion1":"Get a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow","promotion2":"Promotion valid only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval","promotion4":"Promotion valid unitl 17 Sep 2023","promotionShort":"PROMO: New card members can receive a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow","expiryDate":"2023\/09\/17"}],"expedia_Code":"CITISG9"},{"_id":4,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"Up to 15% off lunch, brunch and dinner at Oscar's Conrad Centennial Singapore (and more)","category":["general","grocery","shopping","transportation","dining","entertainment","medical","petrol","promotion"],"cons":"Not suitable for higher budgets | Lacks travel and overseas rewards","description":"Great EZ Link + cash back card for young adults who spend on groceres, online and on taxis","editorial":{"perks":"Annual fee: S$194.40 (first 2 years- waived)|Up to 5% SMRT$ on groceries and online spend| 5% SMRT$ on EZ-Link Auto Top-Up SimplyGo | 5% on Taxis and private-hire rides |Up to 14% fuel savings at Esso and Shell | S$600 cap on SMRT$ rebate annually.","reviewLink":"\/citibank-smrt-platinum-visa-card-review","reviewSummary":"The EZ-Link compatible Citibank SMRT Card earns cashback on daily expenses with no minimum spend required. You can get up to 5% rebates on groceries, online shopping, and more - but there'll be a cap."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$194.40","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/smrt_platinum_visa_card_3.png","isActiveInTools":true,"issuer":"Citibank","klook":"Citi 10% off min. $50 [Klook x Citibank Yearlong Offer 2022, Available for Citibank Credit Card Members only, minimum spend S$50, capped at S$20 off]","klook_Booking":"Book by Dec.31, 2022","klook_Code":"10CITI2022","latePayment":100,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=158&p=59&ev=affclk&k=a7e89c63f48ea132"},"name":"Citibank SMRT Card","petrolSavings":"Up to 20.88% fuel savings at Esso & Shell","pros":"Good rewards rates for modest budgets | SMRT$ rewards on EZ-Reload transactions ","rating":75,"rewardsRate":{"categories":{"dining":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.005,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Dining transactions at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include Burger King, KFC, McDonald's, Pizza Hut, Starbucks Coffee, and more"},"entertainment":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.005,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Movies (specifically) at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include Cathay Cineplexes, Filmgarde, Golden Village, and Shaw Theatres"},"general":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, general retail spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for general spend"},"grocery":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.05,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Grocery transactions at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include FairPrice outlets, Giant, and Sheng Siong"},"medical":{"rate":0.02,"text":"With minimum monthly spend of S$300, Medical spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Medical transactions"},"overseas":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Overseas spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded"},"petrol":{"rate":0.02,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.02,"lowerRate":0.017}}],"text":"Total monthly spend below S$300 earns rebate for EZ-Reload Auto Top-Up at 1.7%; spend of S$300 and above unlocks rate of 2% (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.03,"lowerRate":0.027}}],"text":"Total monthly spend below S$300 earns rebate for Online shopping transactions at 2.7%; spend of S$300 and above unlocks rate of 3%"},"telecommunications":{"rate":0,"text":"With minimum monthly spend of S$300, Telecommunications spend specifically through Citibank One Bill earns rebate of 1%; if total spend is below minimum, no rebate is awarded"},"transportation":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Transportation spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Transportation transactions"},"travel":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Travel spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Travel transactions - however, card membership offers 10% discount on hotel bookings through Expedia"},"utilities":{"rate":0,"text":"With minimum monthly spend of S$300, Utilities spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":50},"rewardsType":"cashback","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"5% everyday rebates w\/S$500 min spend","suppCard":"2 cards free first year, 96.30 per year after 2nd year","toc":"5% everyday rebates w\/S$500 min spend","travelPromo":"18% off SG and VTL hotels with Agoda, 1-for-1 deals with Klook, Up to 20% off with Traveloka, Trip and Booking.com","type":"Visa","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"ratingCategory1":80,"ratingCategory2":70,"ratingCategory3":75,"active":false,"promotions":[{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}],"expedia_Code":"CITISG9"},{"_id":5,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Get up to 45,000 Citi Miles when you apply and spend *For 45,000 Citi Miles promotion. Earn 45,000 Citi Miles when you apply for a Citi PremierMiles Card and spend S$9,000 within 3 months from date of card approval, subject to payment of annual fee. Eligible for new Citi Cardmembers only. The term \"spend\" refers to retail transactions charged to your card. Actual Citi Miles required may differ at time of redemption.","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"Up to 15% off lunch, brunch and dinner at Oscar's Conrad Centennial Singapore","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel"],"cons":"Lacks luxury perks | Not suitable for occasional travel ","description":"Best Miles Credit Card for Average Consumers","editorial":{"perks":"Annual fee: S$194.40 (first year - waived)| 10,000 bonus annual renewal miles (worth S$100) | 2 miles\/S$1 spend abroad and 1.2 miles\/S$1 on local spend| Miles earned never expire | Customers can redeem miles with points or for cash | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee. Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$194.40","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_PremierMiles_Mastercard_04.15.2020.png","isActiveInTools":false,"issuer":"Citibank","klook":"Citi 10% off min. $50 [Klook x Citibank Yearlong Offer 2022, Available for Citibank Credit Card Members only, minimum spend S$50, capped at S$20 off]","klook_Booking":"Book by Dec.31, 2022","klook_Code":"10CITI2022","latePayment":80,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=4&a=58"},"name":"Citi PremierMiles Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Frequent traveler perks |Low fees| Flexible miles redemption","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Earn 2mi\/S$1 overseas, 2 free lounge visits\/yr","suppCard":"Complementary","toc":"45,000 Welcome Citi Miles with S$9,000 spend in 3 mo","travelPromo":"18% off SG and VTL hotels with Agoda, 1-for-1 deals with Klook, Up to 20% off with Traveloka, Trip and Booking.com","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":true,"promotions":[{"promotion1":"Receive an Apple iPad 9th Gen (worth $499) or Xiaomi Mi Robot Vacuum-Mop 2 (worth $549) or Samsonite Straren Spinner (worth S$600) or S$350 Cash within 30 days of card approval.","promotion2":"Promotion is valid from 16 - 31 August 2022","promotionShort":"PROMO: Apple iPad 9th Gen (worth $499) and other prizes","expiryDate":"2022\/08\/31"},{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"No promotion for existing card holders","promotionShort":"Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow.","expiryDate":"2022\/10\/16","promotion3":"Promo period: 3 October to 16 October 2022"},{"promotion1":"Qualified customers can receive a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 in cash via PayNow.","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Get a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 cash.","expiryDate":"2022\/10\/31"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$400 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 1 - 8 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-100XM5 \/ AirPods Pro (2nd Gen) + Mag Safe Charger \/ S$400 cash via PayNow","expiryDate":"2022\/11\/08"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$350 Cash via PayNow\n","promotion2":"No promotion for existing card members\n","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval\n","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period\n","promotion5":"Promotion period: 9 - 15 November 2022\n","expiryDate":"2022\/11\/15","promotionShort":"PROMO: Qualified customers can receive a Dyson Supersonic \/ Sony WH-1000XM5 \/ AirPods Pro (2nd Gen) + MagSafe Charger \/ S$350 Cash via PayNow\n"},{"promotion1":"Get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy (worth S$549) \/ Morning Coffee Machine (worth S$510) \/ Popsical Remix II (comes with 1 Month Free Subscription) (worth S$599) and win up to S$30,000 worth of prizes","promotion2":"Promotion valid until 8 Dec 2022 and is only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotionShort":"PROMO: Qualified customers can get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy \/ Morning Coffee Machine \/ Popsicle Remix II & more","expiryDate":"2022\/12\/08"},{"promotion1":"Receive S$300 Cash via PayNow. Promotion period: 9 - 18 December 2022","promotion2":"No promotion for existing card members","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotionShort":"PROMO: Qualified customers can get S$300 Cash via PayNow","expiryDate":"2022\/12\/08"},{"promotion1":"Get Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow","promotion2":"Promotion valid only for new card members","promotionShort":"PROMO: New cardholders can receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow","expiryDate":"2023\/09\/17","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion valid until 17 Sep 2023"}],"expedia_Code":"CITISG9"},{"_id":6,"active":false,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":29.96,"annualSalary":0,"annualSalaryText":"None","apr":0.28,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Not suitable for salaries above S$30,000\/year | Lacks rewards on education and bills ","description":"Dining Discounts for Students & Young Adults","editorial":{"perks":"Annual fee: S$29.96 (first year - waived) | 1 point (0.4 miles) per S$1 spend | No min income required and S$500 credit limit | Exclusive dining deals at over 1,000 eateries in Singapore | Access to Gourmet Pleasures dining programme","reviewLink":"\/citibank-clear-card-review","reviewSummary":"For students who enjoy good food, this card unlocks access to the Citi Gourmet Pleasures program, which includes discount opportunities on both fine dining and takeout. However, the Citi Clear Card only earns points on dining."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"Selected Hotels only: SGD60 off minimum spend SGD300","expedia_Booking":"Book by Jan.31, 2022","feeText":"S$29.96","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-Clear-Card_2022.png","isActiveInTools":false,"issuer":"Citibank","klook":"Citi 10% off min. $50 [Klook x Citibank Yearlong Offer 2022, Available for Citibank Credit Card Members only, minimum spend S$50, capped at S$20 off]","klook_Booking":"Book by Dec.31, 2022","klook_Code":"10CITI2022","latePayment":40,"link":{"affiliate":"https:\/\/www.citibank.com.sg\/gcb\/credit_cards\/citi_clear_card.htm"},"name":"Citi Clear Card","pros":"Great for student\/young adult budgets | Good rewards at Starbucks, Dunkin\u2019 Donuts and Subway","rating":77,"rewardsRate":{"categories":{"dining":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":1,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"utilities":{"rate":1,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 2 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"miles":4,"points":10,"rate":0.004,"text":"10 Pts = 4 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Miles for student spend + foodie perks","suppCard":0,"toc":"0.4 miles per S$1 for students, foodie privileges","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":75,"ratingCategory2":60,"ratingCategory3":97,"promotions":[{"promotion1":"Receive S$20 Cash Back^when you spend S$50 in the first month","expiryDate":"2022\/12\/31"},{"promotion1":"None currently available","expiryDate":"2025\/12\/31"}]},{"_id":7,"active":false,"annualFee":200,"annualSalary":60000,"annualSalaryText":"S$60,000","apr":0.25,"description":"Best card for people who frequent Australia or New Zealand.","editorial":{"reviewLink":"\/anz-travel-visa-signature-card-review"},"feeText":"S$200","foreignSalaryText":"S$90,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/anz-travel-visa","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10485&WID=60562"},"name":"ANZ Travel Visa Signature Card","rating":90,"suppCard":"1 card free 1st year, $100 afterwards","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}]},{"_id":8,"active":false,"annualFee":180,"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.25,"description":"Because of its flexibility, ANZ Optmum World is an ideal card to use with other rewards cards.","editorial":{"reviewLink":"\/anz-optimum-world-mastercard-credit-card-review"},"feeText":"S$180","foreignSalaryText":"S$80,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/ANZ_Optimum","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=14671&WID=60562"},"name":"ANZ Optimum World MasterCard Credit Card","rating":91,"suppCard":"1st year free, $90 per year","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}]},{"_id":9,"active":false,"annualFee":160,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"feeText":"S$160","foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/anz-platinum-visa","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10486&WID=60562"},"name":"ANZ Platinum Visa Credit Card","suppCard":"1st year free, $80 per year","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}]},{"_id":10,"active":false,"annualFee":0,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.23,"feeText":"S$0","foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/anz-switch-platinum-mastercard","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10485&WID=60562"},"name":"ANZ Switch Platnium Card","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"promotions":[{"promotion1":"No promotion available","expiryDate":"2025\/12\/31","promotionShort":"No promotion available"}]},{"_id":11,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":321,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"","value":618},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.25,"booking":"Up to 15% savings on accommodation savings","booking_Booking":"Book by 2 April 2022","category":["general","shopping","dining","promotion"],"cons":"Lacks luxury travel perks| Limited miles accrual ","description":"Local Luxury Perks for Affluent Singaporeans","editorial":{"perks":"Annual fee: S$321| 0.69 miles (1.25 pts) per S$1 spend | Up to 3.44 miles (6.25 pts) per S$1 spend w\/ Platinum EXTRA Partners | No conversion fees | Dining Perks: Love Dining, Amex Selects & Chillax programme | Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees","reviewLink":"\/american-express-platinum-credit-card-review","reviewSummary":"In addition to earning 3.44 miles per S$1 spent at participating designer brands like Samsonite and IWC, this card includes elite golf and spa benefits for local Singaporeans. But it lacks travel perks and carries a high annual fee."},"expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$321","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0295,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/American_Express_Platinum_04.14.2020.png","isActiveInTools":true,"issuer":"American Express","latePayment":90,"link":{"affiliate":"https:\/\/www.americanexpress.com\/en-sg\/campaigns\/amex-offer\/index.html?sourcecode=A0000H3MV3\n","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495222700;302467441;x"},"name":"American Express Platinum Credit Card","petrolSavings":"Up to 21% fuel savings at SPC","pros":"Exclusive local privileges| Great local dining discounts and rewards on designer brands","rating":86,"rewardsRate":{"categories":{"dining":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"entertainment":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"general":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"grocery":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"medical":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"overseas":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"petrol":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"shopping":{"rate":3.4375,"text":"10 Pts (5.5miles) per S$1.60 Spend at Platinum EXTRA Partners like Lee Hwa Jewellery, Peony Jade restaurant and Watches of Switzerland"},"telecommunications":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"transportation":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"travel":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"utilities":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"}},"conversion":{"miles":5.5,"points":10,"rate":0.01,"text":"10 Pts = 5.5 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Exclusive local lifestyle & dining perks","suppCard":"first 2 cards are permanently waived, $160.5 each","toc":"Elite dining & lifestyle perks in SG","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":80,"ratingCategory2":98,"ratingCategory3":80,"active":false,"promotions":[{"promotion1":"Apply and receive S$100 CapitaVoucher upon payment of annual fees and 1st spend within 30 days from Card approval.","promotion2":"Spend S$3,000 within first 2 months of Card approval and receive 1 Night Stay in Deluxe Room in Conrad Centennial (Room only, breakfast not included).","promotion3":"Promotions are valid until 30 April 2022.","promotionShort":"PROMO: Stand a chance to enjoy a S$100 CapitaVoucher & 1 Night Stay in Deluxe Room in Conrad Centennial","expiryDate":"2022\/04\/30"},{"promotion1":"None currently available","promotionShort":"PROMO: None currently available","expiryDate":"2025\/12\/31"},{"promotion1":"Receive Samsonite Sigma (worth S$600) on top of existing promo rewards when you make a min. spend of S$500 and make an annual fee payment within the first month of card approval","promotion2":"Applicable for KrisFlyer Card, KrisFlyer Ascend, Platinum Card","promotion3":"Promotion applicable for new cardmembers only","promotion4":"Promotion period: 13 - 18 October 2022","promotionShort":"PROMO: Receive a Samsonite Sigma + existing promo rewards","expiryDate":"2022\/10\/18"},{"promotion1":"Receive 25,000 Membership Rewards\u00ae points upon Annual Fee payment and with min. spending of S$5,000 within first 3 months of Card approval.","promotion2":"Receive additional 75,000 Membership Rewards\u00ae points with min. spending of S$20,000 within first 3 months of Card approval.","promotion3":"You will also earn 25,000 Membership Rewards\u00ae points for the S$20,000 spent (based on 2 Membership Rewards\u00ae points for every S$1.60 spent).","promotion4":"Promotion valid till 31 Jan 2023","promotionShort":"PROMO: Recieve up to 125,000 Membership Rewards\u00ae points - enough to redeem a return Business Class trip to Taiwan on Singapore Airlines*.","expiryDate":"2023\/01\/31"}],"buffetpromo":"Up to 15% savings at Grand Hyatt, Sheraton Towers Singapore"},{"_id":12,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":171.2,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro boost to 3%, capped at S$150 bonus","value":20},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"buffetPromo":"Up to 15% savings at Grand Hyatt, Sheraton Towers Singapore","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","insurance","promotion"],"cons":"Not suitable for lower budgets | Rewards general spend only","description":"Unlimited 1.5% Flat Cashback + Amex Benefits","editorial":{"perks":"Annual fee: S$171.20 (first year - waived)| Get 1.5% cashback on all eligible spend, with no min. spend required and no cap | Get double the cashback at 3% on first S$5,000 spent within first 6 months | Free travel insurance up to S$350,000 when you purchase travel tickets with this card","reviewLink":"\/american-express-true-cashback-card-review","reviewSummary":"The American Express True Cashback Card grants an unlimited 1.5% cash back to spenders who want to avoid the earning caps that limit rewards potential on other cards. It also gives you access to many of the usual Amex perks."},"expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$171.20","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0295,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/amex-true-cashback","isActiveInTools":true,"issuer":"American Express","latePayment":90,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=160&p=150&ev=affclk&k=fe5fe7f95407a731\n","facebookAds":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=160&p=150&ev=affclk&k=fe5fe7f95407a731","googleAds":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=160&p=150&ev=affclk&k=fe5fe7f95407a731"},"name":"American Express True Cashback Card","petrolSavings":"Up to 21% fuel savings at SPC","pros":"Great Amex perks |Straightforward, easy-to-use card","rating":92,"rewardsRate":{"categories":{"dining":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"entertainment":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"general":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"grocery":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"medical":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"overseas":{"rate":0.025,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"petrol":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"shopping":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"transportation":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"travel":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"utilities":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","spc_Disc":"Up to 21% fuel savings at SPC","standOut":"1.5% unlimited cashback, boosted to 3% for 1st 6mo","suppCard":"first 2 cards are permanently waived, $85.60 each","toc":"Unlimited 1.5% rebate + Amex benefits","travelPromo":"","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":85,"ratingCategory2":95,"ratingCategory3":95,"active":false,"promotions":[{"promotion1":"Up to S$80 CapitaVouchers with min. spend of S$250 in the first month","promotion2":"Promotion ends on 30th June 2022","expiryDate":"2022\/6\/30"},{"promotion1":"None currently available","promotionShort":"PROMO: None currently available","expiryDate":"2025\/12\/31"},{"promotion1":"Receive Samsonite Sigma (worth S$600) on top of existing promo rewards when you make a min. spend of S$500 and make an annual fee payment within the first month of card approval","promotion2":"Applicable for KrisFlyer Card, KrisFlyer Ascend, Platinum Card","promotion3":"Promotion applicable for new cardmembers only","promotion4":"Promotion period: 13 - 18 October 2022","promotionShort":"PROMO: Receive a Samsonite Sigma + existing promo rewards","expiryDate":"2022\/10\/18"}]},{"_id":13,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":337.05,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Bonus 26,000 KrisFlyer miles; Double KrisFlyer Miles Accrual Voucher (capped at 5,000 bonus KrisFlyer miles); 1 Mile = S$0.01 value-to-consumer","value":360},"annualSalary":50000,"annualSalaryText":"S$50,000","apr":0.25,"buffetPromo":"Up to 15% savings at Grand Hyatt, Sheraton Towers Singapore","category":"[ \"general\" , \"entertainment\" , \"grocery\" , \"medical\" , \"overseas\" , \"petrol\" , \"shopping\" , \"telecommunications\" , \"transportation\" , \"travel\" , \"utilities\" , \"dining\" , \"promotion\"] ","cons":"Not suitable for high overseas spend| High annual fee","description":"Accessible Balance of Miles Rewards & Luxury Perks","editorial":{"perks":"Annual fee: S$337.05 | 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only | 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online | 3.2 miles per S$1 spend on Grab transactions (up to 640 mi\/mo) | 4 free lounge visits\/year, free annual hotel night, travel insurance | Access to Hilton Honors Silver & Krisflyer Elite Gold status","reviewLink":"\/american-express-singapore-airlines-krisflyer-ascend-card-review","reviewSummary":"The American Express Singapore Airlines KrisFlyer Ascend Credit Card delivers a unique combination of luxury travel perks and competitive rewards rates on everyday spending, but its high annual fee may be difficult to manage."},"expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$337.05","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.0295,"has_application":false,"image":"singapore_credit_cards\/amex-krisflyer-ascend","isActiveInTools":true,"issuer":"American Express","klook":"","klook_Booking":"","klook_Code":"","latePayment":90,"link":{"affiliate":"https:\/\/www.americanexpress.com\/en-sg\/campaigns\/amex-offer\/index.html?sourcecode=A0000H3MV3\n"},"name":"American Express Singapore Airlines KrisFlyer Ascend Credit Card","petrolSavings":"Up to 21% fuel savings at SPC","pros":"Luxury travel perks| Great rewards with Singapore Airlines| Elite travel memberships","rating":83,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency during June and December"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"limit":200,"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"limit":200,"rate":3.2,"text":"3.2 Miles per S$1 Spend on Grab Singapore transactions, capped at S$200\/month"},"travel":{"rate":2,"text":"2 Miles per S$1 Spend for eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), unlimited"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 21% fuel savings at SPC","standOut":"Access to Hilton Honors Silver & Krisflyer Elite Gold status","suppCard":"80.25, waived for the first year","toc":"Elite perks inc. hotel & flight upgrades","travelPromo":"","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":90,"ratingCategory2":98,"ratingCategory3":60,"active":false,"promotions":[{"promotion1":"Receive 27,100 KisFlyer Miles with a min. S$500 spend in the first month of card approval and annual fee payment","promotion2":"21,500 KrisFlyer miles when you make a min. spend of S$500 and make an annual fee payment within 30 days of card approval , 5,000 KrisFlyer miles upon first transaction on card, and earn 600 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)","promotion3":"Promotion valid till 15 August 2022","promotion4":"Promotion valid only for new card members","promotion5":"A min. spend of S$500 must be made within 30 days of card approval and annual fee payment","promotionShort":"PROMO: Receive 27,100 KrisFlyer Miles when you sign up","expiryDate":"2022\/08\/15"},{"promotion1":"Apply to get a welcome offer of your choice, a first-year fee waiver\nworth S$299 and a complimentary Accor Plus Membership worth S$408.","promotionShort":"PROMO: Enjoy first-year fee waiver, complimentary membership and welcome offer of your choice.","promotion2":"Sign-up Offer 1: Receive 5,000 HighFlyer points on your first spend in the first month, and 35,000 HighFlyer points when you spend a minimum of S$5,000 in the first three months. \nPromotion valid till 10 October 2022","expiryDate":"2022\/10\/10"},{"promotion1":"Receive 33,600 KrisFlyer miles (equivalent to a return trip to Bangkok on SIA Economy Class) when you make a min. spend of S$3,000 and make an annual fee payment within the first 3 months of card approval","promotion2":"Promotion applicable for new cardmembers only","promotion3":"Promotion period: 3 Oct - 31 Oct 2022","promotionShort":"New cardmembers can receive up to 33,600 KrisFlyer Miles","expiryDate":"2022\/10\/31"},{"promotion1":"Enjoy bonus HighFlyer Points offers worth up to S$520 upon sign up.","promotion2":"Sign-up Offer 1: Receive 55,000 HighFlyer points upon a S$5,000 spend in 3 months (wih a S$299 annual card fee) OR 15,000 HighFlyer points upon a S$5,000 spend in 3 months (with a S$0 first-year card fee).","promotion3":"Promo period: 11 - 31 Oct 2022","promotionShort":"PROMO: Sign up for bonus HighFlyer Points offers worth up to S$520.","expiryDate":"2022\/10\/31"},{"promotion1":"Earn 33,600 KrisFlyer Miles when you sign up for The American Express Singapore Airlines KrisFlyer Ascend Credit Card","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Sign up for bonus 33,600 KrisFlyer Miles","expiryDate":"2022\/10\/31"},{"promotion1":"Receive up to 27,000 KrisFlyer Miles ","promotion2":"Receive 20,800 KrisFlyer miles with min. spending of S$1,000 within the first month of Card approval + Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants) + Earn 1,200 KrisFlyer miles based on the S$1,000 spending above (based on 1.2 KrisFlyer miles per S$1 spent locally)","promotion3":"A min. spend of S$1,000 must be made within first month of card approval","promotion4":"Promotion valid only for new card members","promotion5":"Promotion period: 1 - 30 November 2022","promotionShort":"PROMO: Qualified customers can receive up to 27,000 KrisFlyer Miles ","expiryDate":"2022\/11\/30"},{"promotion1":"Receive 10,000 KrisFlyer miles upon Annual Fee payment and first transaction within 30 days of Card approval.","promotion2":"Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants).","promotion3":"Receive 15,000 KrisFlyer miles with min. spending of S$3,000 within first 3 months of Card approval.","promotion4":"Earn 3,600 KrisFlyer miles based on the S$3,000 spending above (based on 1.2 KrisFlyer miles per S$1 spent locally).","promotion5":"Promo valid till 31 Jan 2023","promotionShort":"Receive up to 33,600 KrisFlyer miles (Enough to redeem a trip to Bangkok*) upon Annual Fee payment and min. spending of S$3,000 within first 3 months of Card approval.","expiryDate":"2023\/01\/31"}]},{"_id":14,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":176.55,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"5,000 Bonus Miles; 15,000 Bonus Miles; 500 Bonus Miles; (1 Mile = S$0.01 value-to-consumer); S$150 cashback (deal 1); 205+150 = 355","value":355},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"buffetPromo":"Up to 15% savings at Grand Hyatt, Sheraton Towers Singapore","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":"Not easy to maximise miles| Lacks airline\/travel rewards aside from SIA","description":"Miles Card for Beginners & Singapore Airline Loyalists","editorial":{"perks":"Annual fee: S$176.55 (first year- waived)| 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only | 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online | 3.1 miles per S$1 spend on Grab transactions (up to 620 mi\/mo) | Free travel insurance | Hertz Gold Plus Rewards & Amex Selects Privileges","reviewLink":"\/american-express-singapore-airlines-krisflyer-card-review","reviewSummary":"While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend."},"expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$176.55","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/amex-krisflyer","isActiveInTools":true,"issuer":"American Express","klook":"(See Klook or bank website for details)","latePayment":90,"link":{"affiliate":"https:\/\/clk.creatory.hyphengroup.io\/redirect?sid=qckduh.dkbven"},"name":"American Express Singapore Airlines KrisFlyer Credit Card","petrolSavings":"Up to 21% fuel savings at SPC","pros":"Easy-to-use miles card| No conversions & transfer fees| Great rewards with Singapore Airlines","rating":90,"rewardsRate":{"categories":{"dining":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"general":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"medical":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency during June and December"},"petrol":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"telecommunications":{"limit":6.2,"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"},"transportation":{"limit":200,"rate":3.1,"text":"3.1 Miles per S$1 Spend on Grab Singapore transactions, capped at S$200\/month"},"travel":{"rate":2,"text":"2 Miles per S$1 Spend for eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), unlimited"},"utilities":{"rate":1.1,"text":"1.1 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 21% fuel savings at SPC","standOut":"Earn rewards for SIA spend, no transfer fees or processing times","suppCard":"First year waiver, $53.5 after","toc":"Directly earn KrisFlyer miles, S$150 SIA credit","travelPromo":"","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":85,"ratingCategory2":90,"ratingCategory3":95,"active":false,"promotions":[{"promotion1":"Receive up to 17,050 KrisFlyer Miles (enough to redeem a return trip to Bali via Singapore Airlines)","promotion2":"Receive 11,500 KrisFlyer miles when you make a min. spend of S$500 within the first month of card approval, 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants), and earn 550 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)","promotion3":"Promotion valid till 15 August 2022","promotion4":"Promotion valid only for new card members","promotion5":"A min. spend of S$500 must be made within 30 days of card approval and annual fee payment","promotionShort":"PROMO: Receive 21,500 KrisFlyer Miles when you sign up","expiryDate":"2022\/08\/15"},{"promotion1":"Receive 27,000 KrisFlyer miles with a min. spend of S$2,000 within the first 3 months of card approval and annual fee payment","expiryDate":"2022\/09\/30","promotion2":"Promotion only applicable for new-to-card members only","promotion3":"Promotion period: 19 July - 30 Sep 2022","promotionShort":"PROMO: GET up to 27,000 KrisFlyer Miles"},{"promotion1":"Receive up to 22,200 KrisFlyer miles (equivalent to a return trip to Bali on SIA Economy Class) when you make a min. spend of S$2,000 and annual fee payment within first 3 months of card approval","promotion2":"Promotion valid only for new American Express cardmembers","promotion3":"Promotion period: 3 Oct - 31 Oct 2022","promotionShort":"PROMO: New American Express cardmembers can receive up to 22,000 KrisFlyer Miles","expiryDate":"2022\/10\/31"},{"promotion1":"Receive up to 17,000 KrisFlyer Miles ","promotion2":"10,900 KrisFlyer Miles (min spend of S$1,000) + 5,000 KrisFlyer Miles (for first transaction for first-time AMEX Singapore Airlines Credit Card applicants) + Earn 1,100 KrisFlyer Miles (based on 1.1 KrisFlyer Miles per S$1 spent for the S$1,000 spend above","promotion3":"A min. spend of S$1,000 must be made within first month of card approval","promotion4":"Promotion valid only for new card members ","promotion5":"Promotion period: till 31 Jan 2023 ","promotionShort":"Qualified customers can receive up to 17,000 KrisFlyer miles","expiryDate":"2023\/01\/31"}]},{"_id":15,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["overseas","shopping","petrol","0_instalment","promotion","no_annual_fee"],"cons":"Lacks travel perks| Limited rewards categories","description":"Shopping Miles Card with 0% Interest Payment Plan","editorial":{"perks":"Annual fee: S$194.40 (first year- waived)| Subsequently waived w\/ min annual spend of S$25,000 | 20 miles per S$5 spend on online purchase and, 6 miles by S$5 spend on overseas spend | 2 miles per S$5 spend on all other purchases | 0% Interest DBS Payment Plans | e-Commerce protection on online purchases","reviewLink":"\/dbs-womans-world-mastercard-credit-card-review","reviewSummary":"This card's benefits are mostly aimed at shoppers, with a strong 20 miles per S$1 spent on online purchases, 6 miles on overseas and 2 miles on all other purchases, and a 0% interest instalment plan for big purchases. You can also avoid the annual fee by spending at least S$25,000 each year."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings - DBSSG922, \u201cThings to do\u201d bookings - DBSSG522, flight + hotel package bookings - DBSSG15","feeText":"S$194.40","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/dbs-womans-world.png","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. ","klook_Booking":"All promotions are valid until Dec 31, 2022.","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","latePayment":100,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=36&a=58","facebookAds":"","googleAds":""},"name":"DBS Woman's World Card","petrolSavings":"Up to 14% fuel savings at EssUp to 15% fuel savings at SPC (until 31 March, 2022)","promotion_Klook":"10% off Klook Activities w\/ S$150 min. spend. Promo code: DBS22XXX\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","pros":"0% interest payment plans available | Good rewards for online shopping | Online purchase protection","rating":73,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"entertainment":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"general":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"grocery":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"medical":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"overseas":{"rate":1.2,"text":"3 Pts (6miles) per S$5 Spend for all overseas transactions"},"petrol":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"shopping":{"limit":80,"rate":4,"text":"10 Pts (20miles) per S$5 Spend for Online shopping transactions, on up to S$2,000 spend per month"},"telecommunications":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"transportation":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"travel":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"utilities":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","standOut":"Get up to 20 miles from online purchases, 6 miles from overseas purchases and 1 mile from other purchases","suppCard":96.3,"toc":"Get up to 10X DBS Points (or 20 miles) for online purchases, 3X DBS Point (or 6 miles) for overseas purchases and 1X DBS Point (or 2 miles) for other purchases","travelPromo":"Up to 15% with airasia, 9% with Expedia","type":"Mastercard","waiverMin":25000,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$25,000","waiverYears":1,"active":true,"ratingCategory1":80,"ratingCategory2":70,"ratingCategory3":70,"promotions":[{"promotion1":"New DBS\/POSB cardmembers can get S$150 cashback when you apply through ValueChampion","promotion2":"Enter the promo code 150CASH and make a min. spend of S$800 within 60 days of card approval to be eligible","promotionShort":"PROMO: New DBS\/POSB Cardmembers can get S$150 cash back with a min. spend of S$800","expiryDate":"2024\/01\/23","promotion3":"Promotion valid until 31 Jan 2024"}]},{"_id":16,"active":false,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["general","dining","entertainment","grocery","petrol","shopping","transportation"],"cons":"Limited online & overseas rewards | Limited rewards categories","description":"Miles for Local Mobile Pay with 0% Interest Instalment Plan","editorial":{"perks":"Annual fee: S$192.60 | 1.2 miles per S$1 spend on local Visa contactless purchases | 0.4 miles on other purchases | 0% Interest Payment Plans","reviewLink":"\/dbs-black-visa-card-review","reviewSummary":"A rewards rate of 1.2 miles per S$1 spend on contactless purchases in Singapore and a 0% instalment plan make the DBS Black Visa Card interesting for local shoppers, but it's limited by a high annual fee and lack of other perks."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"\"Hotel Bookings - (Code: DBSSG922)\n\u201cThings to do\u201d bookings - (Code: DBSSG522)\nflight + hotel package bookings - (Code: DBSSG15)\"","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Black_Visa_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"\"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25.\"","klook_Booking":"\"All promotions are valid until Dec 31, 2022","klook_Code":"\"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')\"","latePayment":100,"link":{"affiliate":"https:\/\/www.dbs.com.sg\/personal\/cards\/credit-cards\/dbs-black-visa-card"},"name":"DBS Black Visa Card","petrolSavings":"Up to 14% fuel savings at Esso","pros":"Great for earning miles for contactless spend| Rewards on local shoppinh |People who make big purchases & pay in instalments","rating":63,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"entertainment":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"general":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"grocery":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"petrol":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"shopping":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"transportation":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"travel":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"utilities":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"}},"conversion":{"miles":6,"points":3,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":96.3,"travelPromo":"Up to 15% with airasia, 9% with Expedia","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":70,"ratingCategory2":60,"ratingCategory3":60,"promotions":[{"promotion":"1-for-1 on all a la carte Lobster Dishes at Peach Garden (until Dec 31, 2021)","promotion2":"Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"},{"promotion1":"None currently available","expiryDate":"2022\/12\/31","promotionShort":"PROMO: None currently available"}]},{"_id":17,"active":false,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"editorial":{"perks":"Annual fee: S$192.60 (first year- waived )| 0.4 miles per S$1 spend on all purchases | 0% Interest Payment Plans | Up to 15% off on exclusive dining and shopping deals","reviewSummary":"Offering 0.4 miles (0.2 pts) per S$1 spend on all purchases, a 0% Interest Payment Plan and local dining and shopping deals, DBS Black American Express Card is a good starter card for local Singaporeans."},"esso_Disc":"","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings - (Code: DBSSG922)\n\u201cThings to do\u201d bookings - (Code: DBSSG522)\nflight + hotel package bookings - (Code: DBSSG15)","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Black_Amex_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. ","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","latePayment":100,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B23124604.253995545;dc_trk_aid=450400096;dc_trk_cid=120651279;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="},"name":"DBS Black American Express Card","petrolSavings":"Up to 15% fuel savings at SPC (until 31 March, 2022)","rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"entertainment":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"general":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"shopping":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"transportation":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"travel":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"utilities":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"}},"conversion":{"miles":2,"points":1,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":"1 card free first year, 96.3 per year after 1st year","travelPromo":"Up to 15% with airasia, 9% with Expedia","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion":"1-for-1 on all a la carte Lobster Dishes at Peach Garden (until Dec 31, 2021)","promotionShort":"","promotion2":"Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"},{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}],"toc":"Get up to 1X DBS Point (or 2 miles) for other purchases"},{"_id":18,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":160.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["shopping","dining","travel","entertainment"],"editorial":{"perks":"Annual fee: S$160.50 (first year- waived) | 2 miles per S$1 spend on online purchases | 0.4 miles per S$1 spend on other purchases | 0% Interest Payment Plans | eCommerce protection on online purchases | 14% fuel savings at Esso","reviewSummary":"DBS Woman's Card has great miles earning potential for frequent shoppers and travelers. You can earn 2 miles for every S$1 spend on online purchases, and 0.4 miles on all other spend."},"esso_Disc":"","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"\"Hotel Bookings - (Code: DBSSG922)\n\u201cThings to do\u201d bookings - (Code: DBSSG522)\nflight + hotel package bookings - (Code: DBSSG15)\"","feeText":"S$160.50","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Womans_Card_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. ","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","latePayment":100,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.313029949;dc_trk_aid=505743739;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.313029952;dc_trk_aid=505689810;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.313029952;dc_trk_aid=505689810;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Woman's Card","petrolSavings":"Up to 15% fuel savings at SPC (until 31 March, 2022)","rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"entertainment":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"general":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"shopping":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"transportation":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"travel":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"utilities":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":"1 card free first year, 80.25 per year after 1st year","travelPromo":"Up to 15% with airasia, 9% with Expedia","type":"Mastercard","waiverMin":15000,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$15,000","waiverYears":1,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","active":false,"rating":70,"ratingCategory1":70,"ratingCategory2":70,"ratingCategory3":70,"promotions":[{"promotion":"Charge min S$15,000 to receive an annual fee waiver","promotion2":"7% off at Chu Collagen (until Dec 31, 2021)","expiryDate":"2021\/12\/31"},{"promotion1":"None currently available","expiryDate":"2025\/12\/31","promotionShort":"PROMO: None currently available"}],"toc":"Get up to 5X DBS Points (or 10 miles) for online purchases and 1X DBS Point (or 2 miles) for other purchases"},{"_id":19,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Apply with the Promo Code: \"MORECASH\" by 31 January 2022 to get an extra 28% cashback on top of the existing card cashback.","value":28},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["dining","entertainment","general","grocery","petrol","shopping","transportation","travel","overseas","0_instalment","promotion"],"cons":"Lacks travel and overseas spend rewards | Not suitable for low budgets ","description":"Versatile Option for Modern Day Consumers","editorial":{"perks":"Annual fee: S$194.40 (first year - waived)| 5% rebate on online spend & visa contactless spend, including games purchases and SimplyGo rides| Additional 5% cashback on sustainable spend (eco-eateries, eco-retailers and eco-transport) | 0.3% cashback on all other spend | Split your income tax, education and insurance payments with 0% interest and no fees with DBS Payment Plan | Cashback capped at S$75\/month","reviewLink":"\/dbs-live-fresh-card-review","reviewSummary":"This card is good for everyday retail spending, with 5% cashback on both online shopping and in-person contactless purchases, additional 5% cashback on sustainable spend as well as 14% savings at Esso. You'll need to spend at least S$600 a month to get cashback, which is capped at S$20 per category.","tagline":"Best Eco-Friendly Online Shopping Cashback Card"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$194.40","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Live_Fresh_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. ","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","latePayment":100,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=35&a=58","facebookAds":"","googleAds":""},"name":"DBS Live Fresh Card","petrolSavings":"Up to 14% fuel savings at Esso","promotion_Klook":"10% off Klook Activities w\/ S$150 min. spend. Promo code: DBS22XXX\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","pros":"Great rewards on contactless payment methods (Visa payWave)| Green cashback on eco-eateries and retailers | Various entertainment discounts and promotions","rating":89,"rewardsRate":{"categories":{"dining":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"entertainment":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"general":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"grocery":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"medical":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"overseas":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"petrol":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent","limit":20},"shopping":{"rate":0.005,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.005,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 5% for specific shopping expenses (Online purchases, Visa payWave spend), each capped at S$20 for a combined cap of S$40. If minimum monthly spend is not met, cashback rate is 0.3%","limit":20},"telecommunications":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent"},"transportation":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent"},"travel":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent"},"utilities":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"0.3% cashback rate for general\/non-specified retail expenses, capped across all non-specified retail at S$20. However, if you pay using contactless payment, you get up to 5% cashback w\/ S$600 min. spent"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":75},"rewardsType":"cashback","spc_Disc":"Up to 15% fuel savings at SPC","standOut":"Up to 5% rebates on online & contactless spend, additional 5% green cashback","suppCard":96.3,"toc":"Get up to 10% cashback w\/ S$600 min. spend - 5% cashback on Online and Visa Contactless Spend, 5% green cashback at selected eco-eateries, retailers and transport services. Additional 0.3% cashback on all other spend","travelPromo":"Up to 15% with airasia, 9% with Expedia","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":92,"ratingCategory2":90,"ratingCategory3":85,"active":true,"promotions":[{"promotion1":"New DBS\/POSB cardmembers can get S$150 cashback","promotion2":"Enter the promo code 150CASH and spend a minimum of S$800 within 60 days of card approval to be eligible","promotion3":"Promotion is valid until 31 July 2022","promotionShort":"PROMO: New DBS\/POSB Cardmembers can get up to S$150 with a min. spend of $800","expiryDate":"2022\/07\/31"},{"promotion1":"New DBS\/POSB cardmembers can get S$150 cashback when you apply through ValueChampion","expiryDate":"2024\/01\/31","promotionShort":"PROMO: New DBS\/POSB Cardmembers can get up to S$150 with a min. spend of $800","promotion2":"Enter the promo code 150CASH and spend a minimum of S$800 within 60 days of card approval to be eligible"}]},{"_id":20,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Receive 38,000 miles by entering code \"ALTAF\" or \"DBSALT\" in your application and enjoy first-year card annual fee waiver","value":380},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","0_instalment","taxes","promotion","no_annual_fee"],"cons":"Those willing to pay an annual fee for more bonus miles|Affluent travellers who are willing to pay a high fee for luxury travel perks","description":"Travel Card with Easy Annual Fee Waiver","editorial":{"perks":"Annual fee: S$194.40 | Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000\/year and receive annual fee waiver| 1.2 miles per S$1 locally, 2 miles overseas | 3 miles per S$1 spend on online flights and hotel transactions| 6 miles per S$! spend on flight and hotel transactions at Expedia | 10 miles per S$1 spend on hotel transactions at Kaligo | Miles earned never expire | 2x lounge visits | DBS My Preferred Payment Plan (0% interest instalments)","reviewLink":"\/dbs-altitude-visa-card-review","reviewSummary":"Our top pick for travelers who want a card without annual fees, the DBS Altitude is free as long as you spend at least S$25,000 in a year. In terms of miles, it earns 3 miles per S$1 of online travel spend and 2 miles per S$1 overseas.","tagline":"Best No Annual Fee Miles Card"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$194.40","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Altitude_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"$40 off w\/ S$200 min. spend for all DBS Altitude Cardmembers. Limited redemptions only. (until Mar 31, 2022) \n\n5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. \n\nS$14 off Klook Activities w\/ S$70 min spend for all DBS Altitude Visa Cardmembers. Limited to first 35 checkouts per week. 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Limited redemptions only. Valid till 31 Mar 2022 (Code: DBSALTI40) and more!"},{"_id":21,"active":false,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Shopping","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.268,"booking":"Up to 10% cashback on accommodation bookings\tBook and stay by 31 December 2024","booking_Booking":"Book and stay by 31 December 2024","editorial":{"perks":"Annual fee: S$192.60 (1 year fee waiver)| 6% voucher rebates at Takashimaya Department Store | Additional 10% off during select in-store sale events","tagline":"Great for Frequent Visitors to Takashimaya Department Store"},"expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.03,"has_application":false,"image":"singapore_credit_cards\/dbs-takashimaya-american-express","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. \n","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"\"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","latePayment":100,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676565;dc_trk_aid=501036425;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676571;dc_trk_aid=501037076;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676568;dc_trk_aid=501339021;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Takashimaya American Express Card","promotion5":"Promotion: Get S$90 Takashimaya gift vourchers with min online spend of S$300 within 1st mo of card approval","rewardsRate":{"categories":{"dining":{"rate":0.067,"text":"11 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"entertainment":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"general":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"grocery":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"medical":{"rate":0.067,"text":"11 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"overseas":{"rate":0.05,"text":"Up to 5% discount on selected overseas Takashimaya branches"},"petrol":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"shopping":{"rate":0.2,"text":"1 Pts per S$5 Spend (0.2 Pts per $1 spent) at Takashimaya Department Store only"},"telecommunications":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"transportation":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"},"travel":{"rate":0.05,"text":"Up to 5% discount on selected overseas Takashimaya branches"},"utilities":{"rate":0.067,"text":"1 Pt per S$15 Spend (0.067 Pt per S$1 Spend), outside Takashimaya Department Store within Takashimaya Shopping Centre"}},"conversion":{"rate":1,"text":"100 Pts = S$30 Voucher Dollars"}},"rewardsType":"takashimaya points","suppCard":96.3,"type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotion":"Get S$90 Takashimaya gift vourchers with min online spend of S$300 within 1st mo of card approval","petrol savings":"Up to 15% fuel savings at SPC (until March 31, 2022)","spc_Disc":"Up to 15% fuel savings at SPC","standout":"Get up to 6% voucher rebates at Takashimaya Department Store and Shopping Centre (and more)","toc":"Get up to 6% voucher rebates at Takashimaya Department Store (Earn 2 Takashimaya Bonus Points with every S$10 charged), 2% voucher rebates in Takashimaya Shopping Centre (Earn 2 Takashimaya Bonus Points with every S$30 charged), Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.","buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","travelPromo":"Up to 15% with airasia, 9% with Expedia","cons":"Limited to expenditure within Takashimaya Department Store and Takashimaya Shopping Centre","pros":"Up to 6% voucher rebates in Takashimaya Department Store | Up to 2% voucher rebates in Takashimaya Shopping Centre |Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points | Additional 10% off during selected sale events at Takashimaya Department Store"},{"_id":22,"agoda":"15% off hotel bookings worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":""},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Dec.31, 2022","buffetPromo":"","category":["general","dining","grocery","petrol","promotion","insurance","no_annual_fee","utilities"],"cons":"Limited miles & travel perks| Not suitable for frequent online shoppers","description":"Affordable Rewards Card for Cashback + Miles","editorial":{"perks":"Annual fee: S$194.40 (waived for two years)| 5% cash rebate on local dining and groceries (food deliveries and online groceries included) | 0.4 miles per S$1 general spend, unlimited | Earn up to 17% instant discount plus 5% cash rebate on fuel spending at Caltex and Shell stations | Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide | T&Cs apply. SGD deposits are insured by up to S$75K by SDIC.","reviewLink":"\/hsbc-visa-platinum-credit-card-review","reviewSummary":"If food and petrol take up a lot of your regular budget, the HSBC Visa Platinum Card can help you earn up to 5% cashback on groceries and dining along with up to 21% in petrol savings from Caltex and Shell."},"expedia":"","expedia_Booking":"","expedia_Code":"","feeText":"S$192.60","foreignSalary":40000,"foreignSalaryText":"S$40,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/HSBC_Visa_Platinum_Card_3X-XXHDPI-600x381.png","isActiveInTools":true,"issuer":"HSBC","latePayment":55,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=149&p=138&ev=affclk&k=b8b51cb5a09580b8"},"name":"HSBC Visa Platinum Credit Card","petrolSavings":"Up to 20.2% fuel savings at Caltex, 18.3% at Shell","pros":"Great local dining & groceries rewards |Suitable for moderate budgets (S$1,600+\/month) |Cashback & miles rewards","rating":92,"rewardsRate":{"categories":{"dining":{"rate":0.05,"text":"Minimum monthly spend of S$600 unlocks cash rebate rate of 5% for Dining transactions (local only); total monthly rebate limited to S$250 per quarter (avg S$83\/month). In addition, for all spend, S$1 earns 1 Reward Point (0.4miles)"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"grocery":{"rate":0.05,"text":"Minimum monthly spend of S$600 unlocks cash rebate rate of 5% for Grocery transactions (local only); total monthly rebate limited to S$250 per quarter (avg S$83\/month). In addition, for all spend, S$1 earns 1 Reward Point (0.4miles)"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"overseas":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"petrol":{"rate":0.05,"text":"Minimum monthly spend of S$600 unlocks cash rebate rate of 5% for petrol purchases (Shell and Caltex, local only); total monthly rebate limited to S$250 per quarter (avg S$83\/month). In addition, for all spend, S$1 earns 1 Reward Point (0.4miles)"},"shopping":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"transportation":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"},"utilities":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":83.33},"rewardsType":"miles\/points","shell_Disc":"Up to 18.30% fuel savings at Shell","standOut":"Rebates on local food & petrol, miles for general spend","suppCard":"Free","toc":"5% rebate on groceries, dining & petrol, miles for general","travelPromo":"Up to 15% off bookings with Agoda, 10% cashback with Booking.com","type":"Visa","waiverMin":12500,"waiverText":"Waived for 2 years, subsequently waived for annual spending of S$12,500","waiverYears":2,"active":true,"ratingCategory1":95,"ratingCategory2":85,"ratingCategory3":95,"promotions":[{"promotion5":"Get S$15 off at Shopee Mum's Club with S$100 min spend, first 800 redemptions (until July 31, 2021)","expiryDate":"2021\/07\/31"},{"promotion1":"New cardholders will receive an AirPods Gen 3 (worth S$269) or S$250 Cash with minimum spend of S$500 within 30 days of card approval. ","promotion2":"This promotion is stackable with HSBC's BAU Promotion","promotion3":"Promotion period: 9 - 31 March 2022.","promotionShort":"PROMO: Stand to enjoy AirPods Gen 3 or S$250 Cash with min. spend of S$500 within 30 days of card approval","expiryDate":"2022\/03\/31"},{"promotion1":"New HSBC cardmembers will enjoy a Tilt 500 XS 14 in Folding Bike-Silver (worth S$360), Apple Watch SE (worth $419) or $350 Cash when they sign up for an HSBC Credit Card and spend $800 from the Card Account Opening Date to the end of the following month. ","promotion2":"Existing HSBC cardmembers receive S$30 cashback when they spend a minimum of S$800. ","promotion3":"Both existing and new cardmembers will receive an additional S$30 cashback when they apply via Singpass Myinfo and spend a minimum of S$800.","promotion4":"Promotion Period: 14 April - 4 May 2022.","promotionShort":"PROMO: Stand to enjoy a Tilt 500 XS 14 in Folding Bike-Silver, Apple Watch SE or $350 Cash when you sign up & spend a min. of $800","expiryDate":"2022\/05\/04"},{"promotion5":"HSBC BAU Promotion: New cardholders enjoy S$30 cashback when they apply on Myinfo via Singpass.","promotionShort":"PROMO: Enjoy S$30 cashback with application on Myinfo via Singpass","expiryDate":"2022\/01\/01"},{"promotion6":"New HSBC cardmembers can score up to S$200 cashback when you spend a minimum of S$500 from the Card Account Opening Date to the end of the following month. Promotion is valid till 30 April 2022.","promotionShort":"PROMO: Stand to enjoy S$200 cashback when you spend a min. of S$500","expiryDate":"2022\/05\/04"},{"promotion1":"Receive SGD200 cashback when you spend on your card and get up to SGD150 cashback when you apply for supplementary cards for your loved ones. Promotion ends 7 Dec 2022.","promotionShort":"PROMO: Qualified customers can get up to SGD 350 cashback","expiryDate":"2022\/12\/07"},{"promotion1":"New HSBC cardholders can receive either a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) OR SGD200 cashback when you spend a mimumum of S$500 within the qualifying spend period.","promotion2":"Existing cardholders can receive S$50 cashback when you spend a mimum of S$500 in qualifying transactions within the qualifying spend period.","promotionShort":"PROMO: Qualified customers can get a Samsonite Prestige 69cm Spinner Exp or up to SGD 200 cash back","expiryDate":"2023\/03\/31"},{"promotion1":"New cardholders can receive either a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth SGD680) or S$150 cashback when you spend a minimum of S$1,000 within the qualifying spend period.","promotion2":"Existing cardholders receive S$50 cashback when you spend a minimum of S$1,000 within the qualifying spend period.","promotionShort":"PROMO: Qualified customers can get a Samsonite ZELTUS 69cm Spinner Exp with built-in scale or S$150 cash back","expiryDate":"2023\/09\/10"}]},{"_id":23,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"text":""},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Dec.31, 2022","buffetPromo":"","category":["general","dining","entertainment","telecommunications","travel","utilities","petrol","shopping","medical","promotion","insurance","taxes","no_annual_fee"],"cons":"Lacks rewards for frequent travellers who spend large amounts overseas| Not suitable for low budgets","description":"Great for social spenders who shop online with no annual fee.","editorial":{"perks":"No annual fee | Earn up to 4 miles, equivalent to up to 10X reward points or up to 2.5% cashback for every S$1 spent | Points can be redeemed for miles through Mileage Programme in blocks of 10,000 Points for 4,000 miles | Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide | T&Cs apply. 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","promotion3":"Both existing and new cardmembers will receive an additional S$30 cashback when they apply via Singpass Myinfo and spend a minimum of S$800.","promotion4":"Promotion Period: 14 April - 4 May 2022.","promotionShort":"PROMO: Stand to enjoy a Tilt 500 XS 14 in Folding Bike-Silver, Apple Watch SE or $350 Cash when you sign up & spend a min. of $800","expiryDate":"2022\/05\/04"},{"promotion5":"HSBC BAU Promotion: New cardholders enjoy S$30 cashback when they apply on Myinfo via Singpass.","promotionShort":"PROMO: Enjoy S$30 cashback with application on Myinfo via Singpass","expiryDate":"2022\/01\/01"},{"promotion6":"New HSBC cardmembers can score up to S$200 cashback when you spend a minimum of S$500 from the Card Account Opening Date to the end of the following month. 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","rating":97,"rewardsRate":{"categories":{"dining":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"entertainment":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"general":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"grocery":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"medical":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"overseas":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"petrol":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"shopping":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"telecommunications":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"transportation":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"travel":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"utilities":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":125},"rewardsType":"cashback","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Up to 3.5% flat cashback, lofty S$370\/month rewards cap","toc":"Up to 3.5% cashback capped at S$300\/month","travelPromo":"Up to 15% off bookings with Agoda, 10% cashback with Booking.com","type":"Visa","waiverMin":12500,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$12,500 (perpetually waived for Advance customers)","waiverYears":1,"active":true,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":100,"promotions":[{"promotion1":"New cardholders will receive an AirPods Gen 3 (worth S$269) or S$250 Cash with minimum spend of S$500 within 30 days of card approval.","promotion2":" This promotion is stackable with HSBC's BAU Promotion. ","promotion3":"Promotion period: 9 - 31 March 2022.","promotionShort ":"PROMO: Stand to enjoy AirPods Gen 3 or S$250 Cash with min. spend of S$500 within 30 days of card approval","expiryDate":"2022\/03\/31"},{"promotion1":"New HSBC cardmembers will enjoy a Tilt 500 XS 14 in Folding Bike-Silver (worth S$360), Apple Watch SE (worth $419) or $350 Cash when they sign up for an HSBC Credit Card and spend $800 from the Card Account Opening Date to the end of the following month. ","promotion2":"Existing HSBC cardmembers receive S$30 cashback when they spend a minimum of S$800.","promotion3":"Both existing and new cardmembers will receive an additional S$30 cashback when they apply via Singpass Myinfo and spend a minimum of S$800.","promotion4":"Promotion Period: 14 April - 4 May 2022.","promotionShort":"PROMO: Stand to enjoy a Tilt 500 XS 14 in Folding Bike-Silver, Apple Watch SE or $350 Cash when you sign up & spend a min. of $800","expiryDate":"2022\/05\/04"},{"promotion5":"HSBC BAU Promotion: New cardholders enjoy S$30 cashback when they apply on Myinfo via Singpass.","promotionShort":"PROMO: Enjoy S$30 cashback with application on Myinfo via Singpass","expiryDate":"2022\/01\/31"},{"promotion6":"New HSBC cardmembers can score up to S$200 cashback when you spend a minimum of S$500 from the Card Account Opening Date to the end of the following month. Promotion is valid till 30 April 2022.","promotionShort":"PROMO: Stand to enjoy S$200 cashback when you spend a min. of S$500","expiryDate":"2022\/04\/30"},{"promotion1":"Receive SGD200 cashback when you spend on your card and get up to SGD150 cashback when you apply for supplementary cards for your loved ones. Promotion ends 7 Dec 2022.","promotionShort":"PROMO: Qualified customers can get up to SGD 350 cash back","expiryDate":"2022\/12\/07"},{"promotion1":"New HSBC cardholders can receive either a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) OR SGD200 cashback when you spend a mimumum of S$500 within the qualifying spend period.\n","promotion2":"Existing cardholders can receive S$50 cashback when you spend a mimum of S$500 in qualifying transactions within the qualifying spend period.\n\n","promotionShort":"PROMO: Qualified customers can get a Samsonite Prestige 69cm Spinner Exp or up to SGD 200 cash back","expiryDate":"2023\/03\/31"},{"promotion1":"New cardholders can receive either a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth SGD680) or S$150 cashback when you spend a minimum of S$1,000 within the qualifying spend period.","promotion2":"Existing cardholders receive S$50 cashback when you spend a minimum of S$1,000 within the qualifying spend period.","promotionShort":"PROMO: Qualified customers can get a Samsonite ZELTUS 69cm Spinner Exp with built-in scale or S$150 cash back","expiryDate":"2023\/09\/10"}]},{"_id":25,"active":true,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":594,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Get 35,000 miles as a welcome gift","value":350},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"buffetPromo":"Up to 20% off dining at Marina Bay Sands (Till Jan 31, 2022) ","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","taxes","promotion"],"cons":"Not suitable for average spenders who mostly buy local essentials|Annual fee","description":"Maximise Miles for Overseas Spend & Tax Payments","editorial":{"perks":"Annual fee: S$594 (no waiver) |1 mile\/S$1 spent in local and foreign currency (base rate) | Additional 0.4 miles\/S$1 local spend and 2 miles\/S$1 overseas spend when min eligible spend of S$2,000 is made | Income tax payments eligible for 360\u00b0Rewards Points | Up to 20.1% fuel savings at Caltex","reviewLink":"\/standard-chartered-visa-infinite-card-review","reviewSummary":"Despite its high fee, the Standard Chartered Visa Infinite Card delivers top value in the form of 3 miles per S$1 spent overseas and 1.4 miles locally. Other unique perks include miles earned for tax payments and bank transactions.","tagline":"Great for Earning Miles on Overseas Spend and Tax Payments"},"expedia":"9% off bookings at eligible hotels or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code SCBSG9. 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PRVI Miles American Express Card","petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","pros":"Great for rapid miles accrual |Awards high spend on airlines & hotels|Annual fee waiver with Amex card","rating":93,"rewardsRate":{"categories":{"dining":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"general":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"medical":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.4,"text":"2.4 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"travel":{"rate":10,"text":"6 Miles per S$1 Spend for online flight and hotel transactions with merchants such as Expedia, Agoda, UOB Travel, and more"},"utilities":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 20k bonus miles & fee waiver w\/ S$50k annual spend","suppCard":"2 card free forever, 128.4 for subsequent cards","toc":"Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas","travelPromo":"","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":90,"promotions":[{"promotion":"Receive up to S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive upto S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","expiryDate":"2022\/02\/28"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"},{"promotion1":"From 15 May 2023 \u2013 11 Jun 2023, UOB PRVI Miles Cardmembers will earn up to 8 miles per S$1 spend on flights, hotels and travel bookings booked through expedia.com.sg\/prvimiles","promotion2":"Promotional bonus UNI$ shall be capped at UNI$3,000 for the entire Promotional Period","expiryDate":"2023\/06\/11","promotionShort":"Up to 50,000 miles guaranteed for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee"},{"promotion1":"Get up to 50,000 miles for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee","promotion2":"Receive 45,200 miles when you spend a minimum of S$1,000 per month for 2 consecutive months from card approval date AND with pay your first year annual fee payment of S$240","promotion3":"Receive 4,800 miles when you spend a minimum of S$1,000 per month for 2 consecutive months on overseas spend.","expiryDate":"2023\/07\/31","promotionShort":"PROMO: Up to 50,000 miles guaranteed for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee"}]},{"_id":31,"agoda":"","agoda_Booking":"","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":150},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"","category":["general","utilities","petrol","overseas","grocery","dining","entertainment","promotion","transportation"],"cons":"Doesn't fit inconsistent budgets |Annual fee","description":"Maximum Cashback for Stable Budgets","editorial":{"reviewLink":"\/uob-one-card-review","reviewSummary":"If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300\/quarter. This card also gets you petrol discounts at Shell and SPC stations.","tagline":"Great Maximum Cashback for Stable Budgets","perks":"Annual fee: S$192.60 (first year- waived) | 5% rebate on general spend, up to S$200\/quarter (S$2,000 min spend) with min 5 transactions\/mo | Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% on utilities bills | 3.33% rebate, up to S$100\/quarter (S$1,000 min spend) | 3.33% rebate, up to S$50\/quarter (S$500 min spend) | 0.03% rebate on all spend if no rebate earned for calendar year | Up to 21.15% savings at Shell and 22.66% at SPC"},"expedia":"9% off hotel bookings worldwide, S$15 off \"flight + hotel\" package bookings (minimum spend of S$500)","expedia_Booking":"Book by 31 December 2022","expedia_Code":"UOBSG9 (9% off), UOBSG15 (SGD 15 off flight + hotel)","feeText":"S$194.40","foreignSalary":40000,"foreignSalaryText":"S$40,000","fxFee":0.0325,"has_application":false,"image":"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/v1692164328\/UOB_One_credit_card_vertical_card_face.jpg","isActiveInTools":true,"issuer":"UOB","klook":"","klook_Booking":"","latePayment":100,"link":{"affiliate":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001843&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001843:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001843&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001843:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001843&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001843:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false"},"name":"UOB One Credit Card","petrolSavings":"Up to 22.66% fuel savings at SPC, 21.15% at Shell","pros":"Good fit for budgets of at least S$2,000 per month|Easy cashback on daily spend| Gives rebates for paying bills","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"entertainment":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"general":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive months earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"grocery":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"medical":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"overseas":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"petrol":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"shopping":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"telecommunications":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"transportation":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"travel":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"utilities":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","shell_Disc":"Up to 21.15% fuel savings at Shell","spc_Disc":"Up to 24% fuel savings at SPC","standOut":"Up to 10% rebate on all spend, S$300\/quarter","suppCard":"1st card free forever, 96.3 for subsequent","toc":"Highest flat rebate on the market, earn up to $300\/qtr","travelPromo":"","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":true,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":95,"promotions":[{"promotion1":"Up to S$250 Grab Vouchers with min. spend of S$1500 in 30 days ","promotion2":"Only for the first 200 new-to-UOB Credit Card customers who successfully apply for a UOB personal credit card per month","promotion3":"Applicable only on May and June 2022","expiryDate":"2022\/06\/30"},{"promotion1":"Get S$350 cash credits if you are the first 200 new-to-UOB Credit Cardmembers and spend at least S$1,000 per month for 2 consecutive months from card approval date","promotion2":"Promotion valid until 30 Sep 2023","promotionShort":"PROMO: Qualified customers will get S$350 cash credits when you apply now","expiryDate":"2023\/07\/31"}]},{"_id":32,"agoda":"","agoda_Booking":"","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":" Cashback capped at S$60\/mo","description":"Everyday Cashback on Online and Contactless Spend","editorial":{"perks":"Annual fee: S$192.60 (first year- waived) | 8% cashback on online and mobile contactless spend | 0.3% cashback on all other spend | S$600 min spend, S$60 cashback cap | Southeast Asia\u2019s first bio-sourced card","reviewLink":"\/uob-yolo-card-review","reviewSummary":"UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions."},"esso_Disc":"","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$192.60","foreignSalary":40000,"foreignSalaryText":"S$40,000","fxFee":0.028,"has_application":false,"image":"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/v1692164081\/UOB_EVOL_vertical_card_face.jpg","isActiveInTools":true,"issuer":"UOB","klook":"","klook_Booking":"","latePayment":90,"link":{"affiliate":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001454&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001454:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001454&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001454:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001454&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001454:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false"},"name":"UOB EVOL Card","petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","pros":"Easy to use cashback card | Great for budgets of at least S$600\/month| Rewards all online and mobile spend","rating":91,"rewardsRate":{"categories":{"dining":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"entertainment":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"general":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"grocery":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"medical":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"overseas":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"petrol":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"shopping":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"telecommunications":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"transportation":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"travel":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"utilities":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","shell_Disc":"Up to 14% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60\/month)","suppCard":"First card free, $96.3 after","toc":"Rebates on online and contactless spend with easy fee-waiver","travelPromo":"","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year, no annual fees if min. 3 transactions per month for 12 consecutive months","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":98,"promotions":[{"promotion":"Receive up to S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive upto S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","expiryDate":"2022\/02\/28"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":33,"active":false,"agoda":"","agoda_Booking":"","annualFee":85.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["grocery","promotion"],"cons":"Not suitable for everyday essentials spend | Doesn't reward NTUC FairPrice or Sheng Siong spend| Annual fee","description":"Rebate Card for Maximum Savings on Groceries","editorial":{"perks":"Annual fee: S$85.60 (first year- waived)|","reviewLink":"\/uob-delight-credit-card-review","reviewSummary":"UOB Delight is a good fit for those looking for cashback on everyday spend like groceries, petrol and recurring bills. You can earn 8% cashback at select supermarkets,10% off on house brands and 3% off recurring bills."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$85.60","foreignSalaryText":"S$40,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-delight-visa-2","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","latePayment":60,"link":{"affiliate":"http:\/\/www.uob.com.sg\/personal\/cards\/credit-cards\/rebates-cards\/delight-card.page?ms=paid_affiliate_sg&mt=link_promotion_valuepenguin&s_cid=001847_cashcredit_fixed_tactical&vid=valuepenguin"},"name":"UOB Delight Credit Card","petrolSavings":"Up to 23.2% fuel savings at Shell","pros":"Rewards grocery and house brands spend | Easy contactless payments| Rewards recurring bill payment","rating":74,"rewardsRate":{"categories":{"dining":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"entertainment":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"general":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"grocery":{"rate":0.08,"text":"Base cash rebate of 0.3% for purchases at select grocery merchants (Cold Storage, Market Place, Jason's, Giant, Guardian); monthly spend of S$400-S$799 unlocks rebate rate of 3%, spend of S$800 and above unlocks rate of 8%; total cash rebate capped at S$50\/month"},"medical":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"overseas":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"petrol":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend (enrolling in UOB Fuel Power unlocks petrol savings up to 24% with partners Shell and SPC)"},"shopping":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for all Contactless Shopping Transactions (Visa payWave)"},"telecommunications":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for recurring Telecommunications bills"},"transportation":{"rate":0.003,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for NETS FlashPay Auto Top-Ups (for MRT\/LRT, public bus, Comfort & CityCab and SMRT taxis, ERP and CEPAS-compliant car park charges)"},"travel":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"utilities":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for recurring bills"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"rebate","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 17% cumulative discounts on groceries","suppCard":"1st card free forever, 96.3 for subsequent","toc":"Up to 17% cumulative rebate on groceries, 3% on bills","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotion":"Now with SimplyGo compatibility, no need for top-ups or multiple cards & earn rewards on your rides"},{"_id":34,"agoda":"","agoda_Booking":"","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","buffetPromo":"","category":["dining","entertainment","shopping","transportation","travel"],"editorial":{"perks":"Annual fee: S$194.40| 6 miles (3 UNI$) per S$1 spend on one selected category | 0.4 miles per S$1 spend on other purchases | 0% LuxePay interest free payment plan over 6 or 12 mo | e-Commerce Protection on online purchases","reviewSummary":"What makes UOB Lady's Card unique is that it allows you to select a preferred spend category, be it beauty, dining, entertainment or fashion, and accelerate your accrual of miles to 4 miles\/S$1 spend on the selected category, while general spend earns 0.4 miles\/S$1 spend."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$194.40","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-ladys-platinum-2.png","isActiveInTools":true,"issuer":"UOB","klook":"","klook_Booking":"","latePayment":100,"link":{"affiliate":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001812&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001812:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001812&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001812:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001812&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001812:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false"},"name":"UOB Lady's Card","rewardsRate":{"categories":{"dining":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"entertainment":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"general":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"grocery":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"medical":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1"},"petrol":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"shopping":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"telecommunications":{"rate":0,"text":"Not covered"},"transportation":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"travel":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"utilities":{"rate":0,"text":"Not Covered"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 UNI Pts = 2 Miles"}},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","suppCard":"1st card supplementary, 2nd card $96.30","travelPromo":"","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":true,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","rating":77,"ratingCategory1":85,"ratingCategory2":70,"ratingCategory3":75,"promotion5":"Get S$350 cash credits if you are the first 200 new-to-UOB Credit Cardmembers and spend at least S$1,000 per month for 2 consecutive months from card approval date","promotionShort":"PROMO: Qualified customers will get S$350 cash credits when you apply now","promotions":"Get S$350 cash credits if you are the first 200 new-to-UOB Credit Cardmembers and spend at least S$1,000 per month for 2 consecutive months from card approval date","pros":"High miles rewards (30 miles per $5 spent) on one category of spending | No minimum spend","cons":"Cap of 2,800 bonus UNI$ (5,600 miles, equivalent to S$1,000 spend) per month | Points have a 2 year expiry"},{"_id":35,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2022","annualFee":180,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"","category":["dining","overseas","petrol","transportation","travel","promotion","no_annual_fee"],"cons":"Doesn't reward overseas spend|Few travel perks & privileges| Lacks in rewards for essentials (ie groceries)","description":"Travel Card with High Rewards Rate for Local Spend","editorial":{"perks":"Annual fee: S$180 (waived for three years)| Subsequent annual fee is waived with min annual spend of S$18,000 | 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda | 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions | Access to airport lounges & free travel insurance","reviewLink":"\/maybank-horizon-platinum-visa-card-review","reviewSummary":"Maybank Horizon Visa Signature is a great option for those with high spend on local dining and transport who are looking to earn miles for travel. With this card you can earn 3.2 miles per S$1 spend on local dining, petrol and transportation, as well as 2 miles per S$1 spend abroad.","tagline":"Great Travel Card with High Rewards Rate for Local Spend"},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"MBB9","feeText":"S$180","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.0275,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-horizon-visa-sig","isActiveInTools":true,"issuer":"Maybank","latePayment":80,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Horizon Visa Signature Card","petrolSavings":"Enjoy up to 3.2 Air Miles (8X TREATS Points) with every dollar spent","pros":"High spend on local dining & transport| Great for local spend and miles rewards on travel | 3 years fee waiver","rating":95,"rewardsRate":{"categories":{"dining":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on local dining transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"entertainment":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"general":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"grocery":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"medical":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend on foreign currency transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"petrol":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on petrol transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"shopping":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"telecommunications":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"transportation":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on taxi fares with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"travel":{"rate":2,"text":"2 Miles per S$1 Spend on air tickets and travel packages (hotel bookings with Agoda earn 3.2 Miles per S$1 Spend) with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"utilities":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":300},"rewardsType":"miles\/points","standOut":"Market-leading 3.2 mi\/S$1 local dining & transport spend","suppCard":"free","toc":"Market-leading 3.2 miles per S$1 select local spend","travelPromo":"Up to 9% off bookings with Expedia, 7% off with Agoda","type":"Visa","waiverMin":18000,"waiverText":"Waived for 3 years, then subsequently with annual spend of S$18,000","waiverYears":3,"active":true,"ratingCategory1":92,"ratingCategory2":95,"ratingCategory3":97,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion1":"Get Samsonite Harts 68\/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)","promotion2":"Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval","promotion3":"Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply","promotionShort":"Get Samsonite Harts 68\/25 Spinner worth S$550","expiryDate":"2022\/12\/31"}]},{"_id":36,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2022","annualFee":80,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"","category":["general","grocery","entertainment","utilities","promotion","insurance","no_annual_fee"],"cons":"Few extra perks| Doesn't award specialised spend (ie dining, shopping)","description":"Best Entertainment Rebate Card for Social Young Adults","editorial":{"perks":"Annual fee: S$80 (3 years fee waiver)| Subsequently quarterly service fee is waived w\/ card use at least 1x\/quarter | Up to 3.33% on all local and foreign currency spend | $30 quarterly rebate with at least S$300 monthly spend | S$100 quarterly rebate with at least S$1,000 monthly spend | Free travel insurance","reviewLink":"\/maybank-platinum-visa-card-review","reviewSummary":"If you are a young adult with a monthly budget of S$300-S$500\/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100\/quarter.","tagline":"Great High Flat-Rate Cashback for Low Spenders"},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"MBB9","feeText":"S$80","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.0275,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-platinum","isActiveInTools":true,"issuer":"Maybank","latePayment":80,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Platinum Visa Card","petrolSavings":"","pros":"Great starter card for young adults | Good fit for budgets between S$300 and S$500\/month | S$80 annual fee","rating":91,"rewardsRate":{"categories":{"dining":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"entertainment":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"general":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"grocery":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"medical":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"overseas":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Rebate of 0.3% on all transactions charged in foreign currency, capped at S$50\/mo"},"petrol":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"shopping":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"telecommunications":{"limit":3.42,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"transportation":{"limit":3.42,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"travel":{"limit":1.71,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"utilities":{"limit":2.56,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":83.33},"rewardsType":"cashback","shell_Disc":"","spc_Disc":"","standOut":"Up to 3.33% rebate with S$300 min spend, capped at S$100","suppCard":"1st card supplementary, 2nd card $96.30","toc":"Up to 3.33% rebate on local and foreign currency spend","travelPromo":"Up to 9% off bookings with Expedia, 7% off with Agoda","type":"Visa","waiverMin":0,"waiverText":"S$20 quarterly service fee, waived with use of card at least 1x per quarter","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":85,"ratingCategory2":90,"ratingCategory3":98,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion1":"Get Samsonite Harts 68\/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)","promotion2":"Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval","promotion3":"Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply","promotionShort":"Get Samsonite Harts 68\/25 Spinner worth S$550","expiryDate":"2022\/12\/31"}]},{"_id":37,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2022","annualFee":180,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.15,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"","category":["dining","grocery","medical","petrol","telecommunications","transportation","overseas","entertainment","promotion"],"cons":"Merchant restrictions| Lacks miles & travel perks","description":"High Flat-Rate Cashback for Low Spenders. Winner of Best Credit Card Initiative for Retail Banker International Asia Trailblazer Awards","editorial":{"perks":"Annual fee: S$180 (3 years fee waiver)| Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming) | Up to S$125 cashback per month with S$800 min spend | 0.3% rebate all other spend","reviewLink":"\/maybank-family-friends-mastercard-credit-card-review","reviewSummary":"Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500\/month. If you spend over S$800\/month, the cashback rate increases to 8% with a cap of S$80."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"MBB9","feeText":"S$180","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.0275,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/MDL_2021_F_F_Platinum_Design_shadow_1","isActiveInTools":true,"issuer":"Maybank","latePayment":80,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Family & Friends Card","petrolSavings":"Up to 8% cashback on transport and petrol in Singapore and Malaysia","pros":"Good for budgets of S$800\/month| Awards 8% cashback on 5 categories of your choice| 3 year annual fee waiver | Great to use in Singapore, Malaysia, Indonesia and the Philippines","rating":92,"rewardsRate":{"categories":{"dining":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select dining merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"entertainment":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select leisure and entertainment merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"general":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"grocery":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select grocery merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"medical":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select health and wellness merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"overseas":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"petrol":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select petrol merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"shopping":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"telecommunications":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"transportation":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select transportation merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"travel":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"utilities":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"Up to S$125\/mo with just S$800\/mo spend","toc":"8% cashback with S$800 min. spend requirement","travelPromo":"Up to 9% off bookings with Expedia, 7% off with Agoda","type":"Visa","waiverMin":12000,"waiverText":"Waived for 3 years","waiverYears":3,"active":true,"ratingCategory1":90,"ratingCategory2":88,"ratingCategory3":97,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6","alternate_text":"Foreigners","suppCard":"Free","promotions":[{"promotion1":"Get Samsonite Harts 68\/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)","promotion2":"Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval","promotion3":"Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply","promotionShort":"Get Samsonite Harts 68\/25 Spinner worth S$550","expiryDate":"2022\/12\/31"}]},{"_id":38,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2022","annualFee":240,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.24,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"","category":["dining","petrol","shopping","overseas","entertainment","promotion","no_annual_fee"],"cons":"Not a good fit for non-golfers or infrequent golfers | Doesn't reward everyday spend| Lacks travel perks and privileges","description":"Global Golf Privileges with Rewards for Luxe Lifestyles","editorial":{"perks":"Annual fee: S$240 (first year- waived)| Subsequent annual fee is waived with min annual spend of S$24,000 | 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Les Amis Group and more) | Complimentary green fees all year round at 100 participating golf clubs in 19 countries | Free travel insurance, lounge access & global concierge | Pair with Corporate Fuel Card for petrol discounts up to 19.1%","reviewLink":"\/maybank-world-mastercard-credit-card-review","reviewSummary":"Maybank World MasterCard is one of the best miles-earning golf cards on the market. Members earn 4 miles per every S$1 spend on select dining and luxury retail. Additional perks include 2 free green fees\/month at 1000 fairways across 19 countries, free travel insurance and lounge access."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"MBB9","feeText":"S$240","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0275,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-world-mastercard-1","isActiveInTools":true,"issuer":"Maybank","klook":"","klook_Booking":"","klook_Code":"","latePayment":80,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank World MasterCard","petrolSavings":"Up to 19.1% fuel savings when paired with Corporate Fuel Card","pros":"Great perks for golfers who enjoy local and global courses| Good fit for budgets between S$1,000 to S$2,000 monthly| Awards dining and high-end retail shopping","rating":80,"rewardsRate":{"categories":{"dining":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Dining transactions (Select merchants)"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"grocery":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"overseas":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"petrol":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on all Petrol purchases (local only); additional discounts up to 19.1% available in combination with Corporate Fuel Card"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Shopping transactions (Select merchants)"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"transportation":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"utilities":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"2 free green fees\/month, access to 100 global fairways","suppCard":"Free","toc":"Free green fees at 100 fairways across 19 countries","travelPromo":"Up to 9% off bookings with Expedia, 7% off with Agoda","type":"Mastercard","waiverMin":24000,"waiverText":"Waived for annual spending of S$24,000","waiverYears":1,"active":true,"ratingCategory1":80,"ratingCategory2":75,"ratingCategory3":85,"esso_Disc":"Up to 19.10% fuel savings at Esso","shell_Disc":"Up to 19.10% fuel savings at Esso","spc_Disc":"Up to 19.10% fuel savings at Esso","alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion1":"Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval (Limited to the first 2,000 approved applicants)","promotionShort":"PROMO: GET Garmin vivomove Style worth S$469","expiryDate":"2022\/09\/16"}]},{"_id":39,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["dining","general","grocery","utilities","petrol","medical","0_instalment","promotion","telecom"],"cons":"Not suitable for consistent spend of S$2k+\/mo| Lacks travel rewards| Has an annual fee","description":"Easy Cashback for Everyday Spenders in Singapore & Malaysia","editorial":{"perks":"Annual fee: S$194.40 (first year - waived) | 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend| 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart, iHerb & Taobao) | 3% cash rebates on dining spend | 0.3% cash rebate on all other spend | DBS Payment Plan: pay 0% interest, up to 24 months","reviewLink":"\/posb-everyday-card-review","reviewSummary":"POSB is one of the best cashback credit cards in Singapore for everyday spend. You can enjoy cash back of up to 10% on food delivery, 5% on groceries and online shopping, 3% on dining , 1% on recurring bills and up to 22.1% savings on petrol at SPC.","tagline":"Great Rebates Card for Everyday Essentials & Personal Care"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"\"Hotel Bookings - DBSSG922, \u201cThings to do\u201d bookings - DBSSG522, flight + hotel package bookings - DBSSG15\n\u201cThings to do\u201d bookings - DBSSG522\nflight + hotel package bookings - DBSSG21\"","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/POSB_Everyday_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","latePayment":50,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=39&a=58","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.313029958;dc_trk_aid=505743283;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.313029958;dc_trk_aid=505743283;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"POSB Everyday Card","petrolSavings":"Up to 20.1% + 2% fuel savings at SPC","pros":"Benefits highly diversified spend with large food budgets | Great fit for commuters seeking a convenient, an all-in-one card","rating":90,"rewardsRate":{"categories":{"dining":{"limit":15,"rate":0.1,"text":"10% cashback on online food delivery"},"entertainment":{"rate":0.003,"text":"0.3% on \"everything else\""},"general":{"rate":0.003,"text":"0.3% on \"everything else\""},"grocery":{"limit":30,"rate":0.05,"text":"Cash rebate of 5% for Sheng Siong (grocery merchant), capped at S$30 per calendar month"},"medical":{"rate":0.003,"text":"0.3% on \"everything else\""},"overseas":{"rate":0.003,"text":"0.3% on \"everything else\""},"petrol":{"rate":0.02,"text":"Cash rebate of 2% at select merchant SpeedyCare","limit":15},"shopping":{"limit":15,"rate":0.05,"text":"Get up to 5% cash rebates online with Amazon.sg, Lazada, Qoo10 and Shopee. 3% at Watsons personal care stores and Pet Lovers Centre outlets"},"telecommunications":{"limit":3,"rate":0.03,"text":"Cash rebate of 3%, capped at S$100 spend (equal to S$1 rewards)"},"transportation":{"rate":0.003,"text":"0.3% on \"everything else\""},"travel":{"rate":0.003,"text":"0.3% on \"everything else\""},"utilities":{"limit":3,"rate":0.03,"text":"Cash rebate of 3% for select utilities merchants, capped at S$100"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","spc_Disc":"Up to 20.1% fuel savings at SPC","standOut":"Best for rebates in SG w\/ S$800 min. spend","suppCard":"Free","toc":"Rebates up to 10% in Singapore","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":0,"active":true,"ratingCategory1":94,"ratingCategory2":90,"ratingCategory3":85,"promotions":[{"promotion1":"New DBS\/POSB cardmembers can get S$150 cashback when you apply through ValueChampion","expiryDate":"2024\/01\/23","promotion2":"Enter the promo code 150CASH and spend a minimum of S$800 within 60 days of card approval to be eligible","promotionShort":"PROMO: New DBS\/POSB Cardmembers can get up to S$150 with a min. spend of $800"}]},{"_id":40,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"buffetPromo":"","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Low spenders or those on a fixed budget | Infrequent travelers or those who don't travel to China","description":"Maximize Cashback in Singapore and Mainland China","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | No additional fees for transactions made in S$ or RMB | 3% fees for RMB withdrawal in Mainland China | Up to 8% cashback | 0.5% cashback on the first S$500 and up to 8% on spending beyond that | Each quarter the maximum cashback is limited to S$50 in the 1st month, S$60 in the 2nd month, and up to S$80 in the 3rd month","reviewLink":"\/icbc-unionpay-dual-currency-credit-card-no-fee-payments-sgd-and-rmb","reviewSummary":"ICBC UnionPay is a good option for those with monthly budgets of around S$1,500 and frequent travelers to Mainland China. In addition to waived fees for RMB transactions, with a monthly spend of at least S$500 you can earn up to 8% cashback on your purchases.","tagline":"Great for No Fee Payments and Cashback in SGD and RMB"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","fxFee":0.015,"has_application":false,"image":"singapore_credit_cards\/icbc_unionpay_dual_currency.jpg","isActiveInTools":false,"issuer":"ICBC","link":{"affiliate":"https:\/\/singapore.icbc.com.cn\/ICBC\/%E6%B5%B7%E5%A4%96%E5%88%86%E8%A1%8C\/%E6%96%B0%E5%8A%A0%E5%9D%A1%E7%BD%91%E7%AB%99\/en\/ProductsServices\/Personal\/Cards\/UnionPayDualCurrencyCreditCard1\/"},"name":"ICBC Unionpay Dual Currency Platinum Card","petrolSavings":"","pros":"Frequent travelers to Mainland China | People who spend at least S$1,100 per month","rewardsRate":{"categories":{"dining":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"entertainment":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"general":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"grocery":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"medical":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"overseas":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"petrol":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"shopping":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month","limit":"80.0000"},"telecommunications":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"transportation":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"travel":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"utilities":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"Promotional rebates of up to 15% in key spend categories","suppCard":64.2,"toc":"Top promotional rates on daily essentials","travelPromo":"","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"active":false,"promotions":[{"promotion":"Every cardholder can enjoy up to 6 DragonPass points, which include 6 VIP Lounge visits at airports (until Dec 31, 2021)","promotion5":"Promotion: Every cardholder can enjoy up to 6 DragonPass points, which include 6 VIP Lounge visits at airports (until Dec 31, 2021)","expiryDate":"2021\/12\/31"},{"promotion":"No promotion currently being offered","expiryDate":"2022\/12\/31"}],"latePayment":"40.00","rating":"80"},{"_id":41,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Those on a fixed monthly budget | People who don't make transactions in USD","description":"Maximize Cashback for Purchases in SGD and USD","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | No additional fees for transactions made in S$ or USD | 5% fees for USD withdrawals | Up to 8% cashback | 0.5% cashback on the first S$500 and up to 8% on spending beyond that | Maximum cashback is limited to S$30 in the 1st month, S$40 in the 2nd month, and up to S$60 in the 3rd month","tagline":"Great for No Fee Payments in SGD and USD"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/icbcvisadualcurrency.jpg","isActiveInTools":false,"issuer":"ICBC","latePayment":40,"link":{"affiliate":"https:\/\/singapore.icbc.com.cn\/ICBC\/%E6%B5%B7%E5%A4%96%E5%88%86%E8%A1%8C\/%E6%96%B0%E5%8A%A0%E5%9D%A1%E7%BD%91%E7%AB%99\/en\/ProductsServices\/Personal\/Cards\/UnionPayDualCurrencyCreditCard1\/"},"name":"ICBC Visa Dual Currency Platinum Card","pros":"Those who spend at least S$500 per month and no more than S$1,400 | Those who make frequent transactions in USD","rewardsRate":{"categories":{"dining":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"entertainment":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"general":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"grocery":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"medical":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"overseas":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"petrol":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"shopping":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month","limit":"60.0000"},"telecommunications":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"transportation":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"travel":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"utilities":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","suppCard":75,"type":"Unionpay","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"active":false,"rating":"80"},{"_id":42,"active":false,"agoda":"-","agoda_Booking":"-","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["general","medical","petrol","overseas","dining","promotion","no_annual_fee","transportation"],"cons":"Doesn't award cashback on everyday essentials| No cashback on online spend","editorial":{"perks":"Annual fee: free for life | 10% cashback on dining, medical, transport, petrol & overseas travel | 10% cashback on select electronics\/furnishings vendors | Unlimited 0.2% cashback on all other spend | CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-platinum-mastercard-credit-card-review","reviewSummary":"With no annual fee, CIMB Platinum MasterCard is a great fit if your're looking for cashback on medical spend and home improvement, in addition to other everyday purchases. You can earn 10% on health spend, transport, dining, groceries, travel, electronics and furnishings. With min spend of S$800\/month, you can earn up to S$100 in rebates."},"expedia":"-","expedia_Booking":"-","expedia_Code":"-","feeText":"None","foreignSalaryText":"N\/A","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Platinum-MasterCard-2","isActiveInTools":false,"issuer":"CIMB","klook":"6% off transfers and 5% off attractions and tours","klook_Booking":"Valid until Nov. 30,2021","klook_Code":"MCPLATTPSG (transfers) and MCATTN5 (attractions)","latePayment":40,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=382&p=283&ev=affclk&k=618ff0898c6f5217"},"name":"CIMB Platinum Mastercard","petrolSavings":"Up to 10% cashback on transport and petrol (capped at S$20 per month)","pros":"Awards cashback for global transport| Cashback for medical expenses and travel spend in foreign currency | No annual fee credit card","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"entertainment":{"rate":0.002,"text":"Cash rebate of 10% on Health\/Beauty\/Wellness transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"general":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"grocery":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"medical":{"rate":0.1,"text":"Cash rebate of 10% on Health\/Beauty\/Wellness transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"overseas":{"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"petrol":{"rate":0.002,"text":"Cash rebate of 10% on Transport\/Petrol transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"shopping":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"telecommunications":{"limit":20,"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"transportation":{"limit":20,"rate":0.1,"text":"Cash rebate of 10% on Transport (NOT EZ-Link)\/Petrol, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"travel":{"rate":0.002,"text":"Cash rebate of 10% on Travel transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"utilities":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100\/month","suppCard":75,"toc":"10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100\/month","type":"Visa","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"ratingCategory1":95,"ratingCategory2":90,"ratingCategory3":100,"description":"No-Fee Cashback on Wine & Dine, Medical, Petrol and Travel","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":43,"active":true,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"category":["dining","entertainment","overseas","promotion","no_annual_fee"],"cons":"Lack cashback on essentials (ie groceries, bills)|Doesn't reward airline & hotel spend| Doesn't fit monthly budgets of S$3,000\/month and below","description":"No-Fee Unlimited Cashback on Dining, Entertainment and Transport","editorial":{"perks":"Annual fee: free for life | Unlimited 2% cashback on wine & dine, food delivery, entertainment, taxi & automobile, and luxury goods with min. spend of $1,000 monthly | Unlimited 1% cashback on all other spend | 50% off green fees at select fairways in Asia | Free access to MasterCard Airport Experiences | CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-world-mastercard-credit-card-review","reviewSummary":"CIMB World MasterCard is a great fit for affluent consumers who spend a lot and like to golf. This card lets you earn 1% unlimited cashback on general spend and 2% on wine and dine, entertainment, automobile and luxury goods. In addition, you will never have to pay an annual fee."},"feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-World-MasterCard-2","isActiveInTools":true,"issuer":"CIMB","latePayment":100,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/forms-apply\/cards\/credit-cards\/cimb-world-mastercard-valuechampion.html"},"name":"CIMB World Mastercard","pros":"Great fit for big leisure budgets| Rewards dining, entertainment and duty free shopping| Perks for avid golfers| No-fee & maintenance free cashback card","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.02,"text":"Cashback 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.02,"text":"Cashback 1% on all spend, no minimum, no cap"},"general":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"petrol":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"travel":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"utilities":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 2% cashback on wine and dine, food delivery, entertainment, taxi & automobile and luxury goods and 50% off green fees","suppCard":"First 2 cards waived for 1st year, $75 each","toc":"Unlimited 2% cashback on wine and dine, food delivery, entertainment, taxi & automobile, luxury goods and 50% off green fees","type":"Mastercard","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","ratingCategory1":96,"ratingCategory2":90,"ratingCategory3":100,"promotions":[{"promotion1":"Receive a ErgoTune Classic (Worth S$399) or S$250 Cash with a min. spend of $988 within 2 months of card approval","promotion2":"Promo period: 1 September 2022 to 31 October 2022","promotionShort":"PROMO: Get a ErgoTune Classic (Worth S$399) or S$250 Cash via PayNow","expiryDate":"2022\/10\/10"},{"promotion1":"CIMB $188 Cashback Promotion: Activate your card and spend S$108 within the first 30 days from Eligible Card approval date to get S$88* cashback","promotion2":"Increase total spend to S$988 on eligible transactions within 60 days from Eligible Card approval date to get an additional S$100 cashback ","promotion3":"Promotion is not valid for existing principal CIMB credit cardholders, new CIMB CashLite and Balance Transfer applications, new supplementary cardholder, new Secured Credit Card applications, and upgrading principal CIMB credit cardholders","promotion4":"Promotion period: 1 July 2022 to 31 January 2023, both dates inclusive","promotionShort":"PROMO: Qualified customers can get up to S$188^ cashback","expiryDate":"2023\/01\/31"},{"promotion1":"Receive an Apple Watch SE (Gen 2) or S$330 in cash via PayNow with CIMB World Mastercard","promotion2":"Promotion period: 17 - 31 Oct 2022","promotionShort":"PROMO: Receive an Apple Watch SE (Gen 2) or S$330 in cash ","expiryDate":"2022\/10\/31"},{"promotion1":"Get up to 100%* of your purchases back in eCapitaVouchers when you particiapte in the 3 to 7 day spend challenges every week","promotion2":"Promotion period: 29 Apr - 30 Jun 2023\n","promotionShort":"PROMO: Get up to 100%* of your purchases back in eCapitaVouchers","expiryDate":"2023\/06\/23"}]},{"_id":44,"active":true,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"category":["grocery","shopping","travel","overseas","promotion","no_annual_fee"],"cons":"Lacks discounts on transport & petrol|Speciliazed spend| Doesn't fit frequent travellers","description":"No-Fee Cashback on Online Shopping, Groceries and Beauty","editorial":{"perks":"Annual fee: free for life | 10% cashback on groceries, online shopping, beauty, petcare & cruises |Unlimited 0.2% cashback on all other retail purchases | Free travel insurance & global concierge | CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-visa-signature-card-review","reviewSummary":"With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service."},"feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Visa-Signature-2","isActiveInTools":true,"issuer":"CIMB","latePayment":100,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/forms-apply\/cards\/credit-cards\/cimb-visa-signature-valuechampion.html"},"name":"CIMB Visa Signature","pros":"Rewards online shopping, groceries and beauty spend| Rewards pet spend and cruises | No annual fee credit card","rating":94,"rewardsRate":{"categories":{"dining":{"rate":0.002,"text":"Cash rebate of 10% on Dining, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"entertainment":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"general":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"grocery":{"rate":0.1,"text":"Cash rebate of 10% on Grocery, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"medical":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"overseas":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"petrol":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"shopping":{"rate":0.1,"text":"Cash rebate of 10% on Online Shopping, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"telecommunications":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"transportation":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"travel":{"limit":20,"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"utilities":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"Up to 10% rebate on online shopping, groceries & more","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"10% cashback on online shopping, groceries, beauty and wellness, pet shops and cruises","type":"Visa","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","ratingCategory1":93,"ratingCategory2":90,"ratingCategory3":100,"klook":"S$10 off with min. S$80 spend & S$15 off with min. S$100 spend on Klook","klook_Booking":"Valid until March 31, 2022","promotions":[{"promotion1":"Receive a ErgoTune Classic (Worth S$399) or S$250 Cash with a min. spend of $988 within 2 months of card approval","promotion2":"Promo period: 1 September 2022 to 31 October 2022","promotionShort":"PROMO: Get a ErgoTune Classic (Worth S$399) or S$250 Cash via PayNow","expiryDate":"2022\/10\/10"},{"promotion1":"CIMB $188 Cashback Promotion: Activate your card and spend S$108 within the first 30 days from Eligible Card approval date to get S$88* cashback","promotion2":"Increase total spend to S$988 on eligible transactions within 60 days from Eligible Card approval date to get an additional S$100 cashback ","promotion3":"Promotion is not valid for existing principal CIMB credit cardholders, new CIMB CashLite and Balance Transfer applications, new supplementary cardholder, new Secured Credit Card applications, and upgrading principal CIMB credit cardholders","promotion4":"Promotion period: 1 July 2022 to 31 January 2023, both dates inclusive","promotionShort":"PROMO: Qualified customers can get up to S$188^ cashback","expiryDate":"2023\/01\/31"},{"promotion1":"Receive an Apple Watch SE (Gen 2) or S$330 in cash via PayNow with CIMB World Mastercard","promotion2":"Promotion period: 17 - 31 Oct 2022","promotionShort":"PROMO: Receive an Apple Watch SE (Gen 2) or S$330 in cash ","expiryDate":"2022\/10\/31"},{"promotion1":"Get up to 100%* of your purchases back in eCapitaVouchers when you particiapte in the 3 to 7 day spend challenges every week","promotion2":"Promotion period: 29 Apr - 30 Jun 2023","promotionShort":"PROMO: Get up to 100%* of your purchases back in eCapitaVouchers","expiryDate":"2023\/06\/30"}]},{"_id":45,"active":true,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.25,"category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion","no_annual_fee"],"cons":"Not suitable for spenders with local budgets| Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers ","description":"No-Fee Unlimited Cashback Card for Affluent Socialites","editorial":{"perks":"Annual fee: free for life | Unlimited 2% cashback on all travel and overseas spend | Unlimited 2% cashback on online spend in foreign currencies | Unlimited 1% cashback on all other spend | Free travel insurance, 3 complimentary access to airport lounges |Visa Infinite Concierge| CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-visa-infinite-credit-card-review","reviewSummary":"CIMB Visa Infinite Credit Card is a great fit for travellers who spend a lot overseas. It offers 2% unlimited cashback on all travel expenses and overseas spend, 1% cashback on all other spend, as well as free travel insurance, discounted limo transfers and 3 complimentary lounge visits per year."},"feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Visa-Infinite-2","isActiveInTools":true,"issuer":"CIMB","latePayment":100,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/forms-apply\/cards\/credit-cards\/cimb-visa-infinite-valuechampion.html"},"name":"CIMB Visa Infinite","pros":"Best fit for monthly budgets above S$2,000 | Unlimited 2% cashback on travel, overseas and online | No annual fee credit card","rating":94,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"general":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.02,"text":"Minimum monthly spend of S$2,000 unlocks cash rebate rate of 2% for Overseas\/Foreign Currency transactions, unlimited; if spend is below monthly minimum, base rate of 1% applies"},"petrol":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"travel":{"rate":0.02,"text":"Minimum monthly spend of S$2,000 unlocks cash rebate rate of 2% for Travel transactions, unlimited; if spend is below monthly minimum, base rate of 1% applies"},"utilities":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 2% cashback on travel, overseas and online spend in foreign currencies","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"Unlimited 2% cashback on travel, overseas and online spend in foreign currencies","type":"Visa","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","ratingCategory1":93,"ratingCategory2":90,"ratingCategory3":100,"klook":"S$10 off with min. S$80 spend & S$15 off with min. S$100 spend on Klook","klook_Booking":"Valid until March 31, 2022","promotions":[{"promotion1":"Receive a ErgoTune Classic (Worth S$399) or S$250 Cash with a min. spend of $988 within 2 months of card approval","promotion2":"Promo period: 1 September 2022 to 31 October 2022","promotionShort":"PROMO: Get a ErgoTune Classic (Worth S$399) or S$250 Cash via PayNow","expiryDate":"2022\/10\/10"},{"promotion1":"CIMB $188 Cashback Promotion: Activate your card and spend S$108 within the first 30 days from Eligible Card approval date to get S$88* cashback","promotion2":"Increase total spend to S$988 on eligible transactions within 60 days from Eligible Card approval date to get an additional S$100 cashback ","promotion3":"Promotion is not valid for existing principal CIMB credit cardholders, new CIMB CashLite and Balance Transfer applications, new supplementary cardholder, new Secured Credit Card applications, and upgrading principal CIMB credit cardholders","promotion4":"Promotion period: 1 July 2022 to 31 January 2023, both dates inclusive","promotionShort":"PROMO: Qualified customers can get up to S$188^ cashback","expiryDate":"2023\/01\/31"},{"promotion1":"Receive an Apple Watch SE (Gen 2) or S$330 in cash via PayNow with CIMB World Mastercard","promotion2":"Promotion period: 17 - 31 Oct 2022","promotionShort":"PROMO: Receive an Apple Watch SE (Gen 2) or S$330 in cash ","expiryDate":"2022\/10\/31"},{"promotion1":"Get up to 100%* of your purchases back in eCapitaVouchers when you particiapte in the 3 to 7 day spend challenges every week","promotion2":"Promotion period: 29 Apr - 30 Jun 2023","promotionShort":"PROMO: Get up to 100%* of your purchases back in eCapitaVouchers ","expiryDate":"2023\/06\/23"}]},{"_id":46,"active":false,"annualFee":488,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.26,"buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel and more","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":"High S$488 annual fee (no waiver) | Recurring bills ineligible for rewards | Access to limo transfers requires S$5,000 minimum spend","description":"Luxury Travel Card with High Miles for Local Dining","editorial":{"perks":"Annual fee: S$488 (with 15,000 VOYAGE Miles) | 2.2 miles per S$1 overseas retail and dining spend | 1.3 miles per S$1 local retail spend |1 mile per S$1 spend on AXS Pay + Earn transactions | Up to 19% fuel savings with Caltex | No miles expiry or black-out dates | Unlimited lounge access and VISA Infinite Exclusive Benefits| 2 complimentary limo transfers\/mo with S$5,000 min spend (local or overseas) | eCommerce purchase protection","reviewLink":"\/ocbc-voyage-card-review","reviewSummary":"If you're looking for a flexible travel card, then OCBC Voyage might be the one for you. Not only does it offer 1.3 miles per S$1 local spend and 2.2 miles per S$1 on all overseas spend in foreign currencies, but you can also enjoy travel perks such as lounge access and complimentary limo service"},"esso_Disc":"Up to 14% fuel savings at Esso","feeText":"S$488","foreignSalary":120000,"foreignSalaryText":"S$120,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC-Voyage.png","isActiveInTools":false,"issuer":"OCBC","klook":"10% off (capped at S$10) with min. spend of S$50 & 10% off (capped at S$25) with min. spend of S$150 for first 50 redemptions monthly per code","klook_Booking":"Valid until 31 Dec 22","klook_Code":"10OCBC\u003CMTH\u003E \/ 25OCBC\u003CMTH\u003E","latePayment":100,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC VOYAGE Card","petrolSavings":"Up to 20% fuel savings at Sinopect 19% at Caltex, 14% at Esso","pros":"2.2 miles per S$1 overseas retail and dining spend | 1.3 miles per S$1 local retail spend | 15,000 annual bonus renewal miles (worth S$150) | Unlimited lounge access, limo transfers & more | Up to 19% fuel savings with Caltex","rating":85,"rewardsRate":{"categories":{"dining":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"general":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"medical":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.2,"text":"2.2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"travel":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"utilities":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"}},"rewardsType":"miles\/points","standOut":"Boosted miles rewards for overseas spend","suppCard":"First year waived for 2 cards, $188","toc":"Flexible miles redemption, boosted rewards for overseas spend","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":75,"promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":47,"annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel and more","category":["shopping","petrol","overseas","promotion","no_annual_fee"],"cons":"1 pt (0.4 miles) per S$1 other spend | Earnings capped at 48,000 miles per year (worth S$480)","description":"Specialised Shopping Card with Easy-to-Waive Fee","editorial":{"perks":"Annual fee: S$194.40 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)| 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10) | 0.4 miles (1 OCBC$ Pts.) on all other spend | 2% cash rebate on BEST Denki spend","reviewLink":"\/ocbc-titanium-mastercard-credit-card-review","reviewSummary":"OCBC Titanium Card offers some of the best miles rewards for frequent retail shoppers. You can earn 4 miles per S$1 spend on fashion, electronics and other select merchants such as Amazon and Lazard and general spend earns 0.4 miles per S$1. In addition, S$10,000 annual spend earns a fee waiver."},"esso_Disc":"Up to 14% fuel savings at Esso","feeText":"S$194.40","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/ocbc-titanium-rewards-mastercard","isActiveInTools":false,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=125&a=58","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/titanium-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/titanium-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Titanium Rewards Credit Card","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more) | Fee waiver with S$10,000 annual spend ","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"grocery":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"overseas":{"rate":0.4,"text":"10 Pts (4miles) per S$1 Spend on Shopping, Online, and Department Store transactions (local and overseas); points capped at 120,000\/year (48,000miles\/year) at this rate and further points are earned at rate of 1 Pt (0.4miles) per S$1 Spend"},"petrol":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Shopping, Online, and Department Store transactions (local and overseas); points capped at 120,000\/year (48,000miles\/year) at this rate and further points are earned at rate of 1 Pt (0.4miles) per S$1 Spend"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"transportation":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"utilities":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","standOut":"4 mi\/S$1 on fashion & merchants like Amazon, Lazada","suppCard":"First 2 years free, $96.3 after","toc":"4 miles per S$1 on fashion & select retail","travelPromo":"S$15 off Expedia and up to 12% off bookings with Agoda, 8% with Trip, 6.6% with Booking","type":"Mastercard","waiverMin":10000,"waiverText":"Waived 2 years, & subsequently with S$10,000 annual spend","waiverYears":2,"active":true,"ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":90,"klook":"10% off (capped at S$10) with min. spend of S$50 & 10% off (capped at S$25) with min. spend of S$150 for first 50 redemptions monthly per code ","klook_Booking":"Valid until 31 Dec 22","klook_Code":"10OCBC\u003CMTH\u003E \/ 25OCBC\u003CMTH\u003E","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"},{"promotion1":"New OCBC cardmembers can get up to S$288 cashback","promotion2":"Spend a minimum of S$200 on your card within 30 days of card approval to be eligible for rewards","promotion3":"Spend a minimum of S$200 to get S$98 in cashback","promotion4":"Spend a minumim of S$500 to get S$228 in cashback","expiryDate":"2023\/04\/12","promotionShort":"PROMO: New OCBC Cardmembers can get up to S$288 cashabck with a min. spend of $500"}]},{"_id":48,"annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"category":["dining","grocery","petrol","telecommunications","transportation","travel","utilities","promotion","no_annual_fee"],"cons":"0.3% rebate on general spend | High S$800 minimum spend requirement","description":"Diverse Cashback With an Easy Fee Waiver","editorial":{"perks":"Annual fee: S$194.40 (automatic 2 years fee waiver with min annual spend of S$10,000) | 6% rebate on local, overseas dining & online food delivery | 3% rebate on local, overseas and online groceries | 3% rebate on land transport, utilities (telco and electricity bills) & online travel | 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso) | 0.3% cashback on all other spend ","reviewLink":"\/ocbc-365-card-review","reviewSummary":"OCBC 365 Card offers one of the best cashback rates for essentials on the market. You can earn 6% cashback on dining and food delivery, 3% on groceries, transport, bills and online travel. In addition, it offers petrol discounts of 22.1% at Caltex and 20.2% at Esso. You can waive your annual fee with just S$10,000 of annual spend.","tagline":"Great Everyday Cashback on Essentials"},"esso_Disc":"Up to 20.2% fuel savings at Esso","feeText":"S$194.40","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/ocbc-365-visa","isActiveInTools":false,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=124&a=58"},"name":"OCBC 365 Credit Card","petrolSavings":"Up to 22.1% savings at Caltex, 20.2% at Esso, 26.8% at Sinopec and 5% cashback at all other petrol stations","pros":"6% rebate on dining, 3% on groceries, transport, utilities, online travel | Fee waiver with S$10,000 annual spend | Up to 22.1% fuel savings at Caltex, 20.2% at Esso","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 6% for dining expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"entertainment":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"general":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"grocery":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.03,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for grocery expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"medical":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"overseas":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"petrol":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.05,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 5% for petrol expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"shopping":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"telecommunications":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.03,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for telecommunications expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"transportation":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for land transport expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"travel":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for travel expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"utilities":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for utility expenses (electricity bills); if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"High travel & dining cashback plus exclusive travel deals","suppCard":"First 2 cards waived for 1st year, $96.30 each after","toc":"6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services","type":"Visa","waiverMin":10000,"waiverText":"Waived for 2 years with min spend of S$10,000\/year","waiverYears":2,"active":true,"ratingCategory1":90,"ratingCategory2":80,"ratingCategory3":90,"buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel and more","klook":"10% off (capped at S$10) with min. spend of S$50 & 10% off (capped at S$25) with min. spend of S$150 for first 50 redemptions monthly per code ","klook_Booking":"Valid until 31 Dec 22","klook_Code":"10OCBC\u003CMTH\u003E \/ 25OCBC\u003CMTH\u003E","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"},{"promotion2":"Spend a minimum of S$200 on your card within 30 days of card approval to be eligible for rewards","promotion3":"Spend a minimum of S$200 to get S$98 in cashback","promotion4":"Spend a minumim of S$500 to get S$228 in cashback","expiryDate":"2023\/04\/12","promotion1":"New OCBC cardmembers can get up to S$288 cashback","promotionShort":"PROMO: New OCBC Cardmembers can get up to S$288 cashabck with a min. spend of $500"}]},{"_id":49,"annualFee":80,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["dining","entertainment","general","grocery","shopping","petrol","promotion","no_annual_fee","transportation"],"cons":"0.3% rebate on general purchases | Annual fee after 2 years | Capped cashback at S$75","description":"Earn 6% on all online purchases, in-store contactless mobile payments and in-store foreign currency spend","editorial":{"perks":"Annual fee: S$80 (waived for two years)| Automatic annual fee waiver with min annual spend of S$10,000| 6% rebate on online and app spend | 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay) | 6% rebate on foreign currency spend | 0.3% cashback on all other spend | Monthly cashback capped at S$75","reviewLink":"\/ocbc-frank-card-review","reviewSummary":"OCBC Frank Card is a great option for young adults with low-spend budgets. With this card you can earn 6% cashback on online purchases, mobile contactless spend and all FX transactions. To qualify for these rates you only need to spend S$600 every month."},"esso_Disc":"Up to 14% fuel savings at Esso","feeText":"S$80","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/frank-ocbc-visa.jpg","isActiveInTools":false,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC FRANK Credit Card","petrolSavings":"Up to 23% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"6% rebate on online, mobile contactless, and FX spend | Fee waiver with S$10,000 annual spend","rating":80,"rewardsRate":{"categories":{"dining":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"entertainment":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"general":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"grocery":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"medical":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"overseas":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"petrol":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"shopping":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"telecommunications":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"transportation":{"limit":25,"rate":0.03,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"travel":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"utilities":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":75},"rewardsType":"cashback","standOut":"6% rebate on FX, online, and mobile purchases after just S$600 monthly spend","suppCard":"First 2 years free, $40 after","toc":"Up to 6% rebate for FX, online and mobile purchases, low S$600 min. spend requirement","type":"Visa","waiverMin":10000,"waiverText":"Waived 2 years, & subsequently with S$10,000 annual spend","waiverYears":2,"active":false,"ratingCategory1":85,"ratingCategory2":60,"ratingCategory3":95,"klook":"10% off (capped at S$10) with min. spend of S$50 & 10% off (capped at S$25) with min. spend of S$150 for first 50 redemptions monthly per code ","klook_Booking":"Valid until 31 Dec 22","klook_Code":"10OCBC\u003CMTH\u003E \/ 25OCBC\u003CMTH\u003E","promotions":[{"promotion5":"Promo 5 Year-long Burpple Beyond Premium Membership (worth S$99) with min. spend of S$300 ","expiryDate":"2022\/05\/31"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":50,"active":false,"annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"category":["general","shopping"],"cons":"People who like shopping at a variety of stores|Consumers with consistent S$2k\/month budgets|Those looking for a flexible everyday card","description":"Top Rebates & Perks for Frequent Robinsons Group Store Shoppers","editorial":{"perks":"Annual fee: S$192.60 (first year - waived) |5% rebate on 1st S$5k spend w\/ Robinsons every 6mo, 10% on amts above | 0.5 Robs$ per S$1 general local spend (worth about 0.25%\u20130.31% cashback) | 1.5 Robs$ per S$1 overseas spend (worth about 0.75%\u20130.94% cashback) | Bi-annnual 25% off discount letter w\/ S$500 Robinsons or Mark & Spencer spend | 1-Hr free weekend parking at select malls w\/ S$50+ in-store spend | 0% interest instalment plans for Robinsons Group transactions of S$250+","reviewLink":"\/ocbc-robinsons-group-credit-card-review","reviewSummary":"OCBC Robinsons Group Credit Card offers great rebates for frequent Robinsons shoppers. You can earn 5% cashback on first S$5,000 Robinson spend within a 6-month period, and an additional 10% for amounts exceeding that."},"feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC_Robinsons_Group_Card_04.15.2020.png","isActiveInTools":false,"issuer":"OCBC","latePayment":60,"link":{"affiliate":"https:\/\/singsaver.link\/vc-ocbc-rob"},"name":"OCBC Robinsons Group Credit Card","promotion":"Receive & use card instantly when you apply via MyInfo","promotion5":"Promotion: Receive & use card instantly when you apply via MyInfo","pros":"Consumers who shop mostly with Robinsons Group stores|People with a S$850+\/mo shopping budget|Individuals who shop for the entire household","rating":65,"rewardsRate":{"categories":{"dining":{"rate":0},"entertainment":{"rate":0},"general":{"rate":0},"grocery":{"rate":0},"medical":{"rate":0},"overseas":{"rate":0},"petrol":{"rate":0},"shopping":{"rate":0.05,"text":"Unlimited 5% rebate on shopping transactions at select merchants (Robinsons, Zara, Marks & Spencer London, Royal Sporting House, Coast London, Oasis, Golf House, Bebe, Lacoste, Nautica, Roxy, Quicksilver, DC, Reebok, Speedo, Sperry, Ted Baker London, The Social Foot)"},"telecommunications":{"rate":0},"transportation":{"rate":0},"travel":{"rate":0},"utilities":{"rate":0}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","suppCard":96.3,"type":"Visa","waiverMin":3000,"waiverText":"Waived 1 year & subsequently with S$3,000 annual spend","waiverYears":1},{"_id":51,"annualFee":107,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro S$50 cash rebate; S$80 cash rebate via online application; Grab rebate capped at S$10\/mo (S$120 total)","value":250},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"category":["grocery","telecommunications"],"esso_Disc":"Up to 20.3% fuel savings at Esso","feeText":"S$107","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"singapore_credit_cards\/ocbc-plus-visa","isActiveInTools":false,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Plus! 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Total monthly rebate capped at S$100"},"entertainment":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"general":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"grocery":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"medical":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"overseas":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"petrol":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. 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Total monthly rebate capped at S$100"},"transportation":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"travel":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"utilities":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"1% rebate on purchases made w\/ 0% interest instalment plan","suppCard":"First 2 years free, 80.25 after","toc":"Rewards for split payments, no processing fee","type":"Mastercard","waiverMin":10000,"waiverText":"Waived 2 years, & subsequently with S$10,000 annual spend","waiverYears":2,"active":false,"ratingCategory1":70,"ratingCategory2":80,"ratingCategory3":90,"promotions":[{"promotion5":"Promotion: 23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 2022)","expiryDate":"2022\/02\/28"},{"promotion":"23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 2022)","promotionShort":"PROMO: 23% OFF DORSETT SINGAPORE","promotion5":"Promotion: 23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 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Pt (0.17 miles) per S$1 Spend, all local spend"}},"conversion":{"miles":1,"points":6,"rate":0.01,"text":"6 Pts = 1 Mile"}},"rewardsType":"miles\/points","suppCard":75,"type":"Mastercard","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"active":false},{"_id":55,"annualFee":203.3,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.021,"has_application":false,"image":"singapore_credit_cards\/boc-travel","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/www.bankofchina.com\/sg\/bcservice\/bc1\/201309\/t20130917_2481939.html"},"name":"BOC Travel Card","rewardsRate":{"categories":{"dining":{"rate":0.17,"text":"1 Pt per S$1 Spend, all local spend"},"entertainment":{"rate":0.17,"text":"1 Pt per S$1 Spend, all local spend"},"general":{"rate":0.17,"text":"1 Pt per S$1 Spend, all local 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categories capped at S$25\/mo | Few additional perks or privileges | General retail earns just 0.30% cashback","description":"Well-Rounded Cashback\u2013Even for Transit & Hospital Spend","editorial":{"perks":"Annual fee: S$203.30 (first year - waived) | 10% cash rebate on dining and movies | 5% cash rebate on Family Club Merchants | 3% on public transportation transactions | 3% on supermarket, online purchases and hospital bills | 0.3% rebate on all other retail spend","reviewSummary":"BOC Family Card is a great option for households on moderate, diversified budgets looking to earn cashback. This card offers 10% cashback on dining and movie theaters, 5% at select Family Club merchants, 3% on public transport and 3% on supermarket, hospital and online retail spend."},"feeText":"S$203.30","foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc_family_card.png","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=139&p=134&ev=affclk&k=44ed7ee92215b07c"},"name":"Bank of China Family Card","pros":"10% rebate on dining & movies | 5% w\/ \"Family Club\" marchants | 3% on public transport, supermarkets, hospitals bills & online spend","rating":81.33333333333333,"rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}}},"standOut":"Top cashback in practical categories like transit & medical","suppCard":101.65,"toc":"Up to 10% on dining, 3% on transit, medical & more","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":89,"ratingCategory2":75,"ratingCategory3":80,"foreignSalary":60000,"promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":57,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"feeText":"S$150","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/boc-shop","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/www.bankofchina.com\/sg\/bcservice\/bc1\/201307\/t20130708_2350745.html"},"name":"BOC Shop! 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Total monthly rebate capped at S$80"},"overseas":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"petrol":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"shopping":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"telecommunications":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"transportation":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"travel":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"utilities":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. 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You will earn 5% rebate on social spend at select merchants, 5% on sustainable spend and 0.3% cashback on all other purchases, with a monthly reward cap of S$50."},"expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$192.60","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/dbs-livefresh-visa","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. \n","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676541;dc_trk_aid=501037070;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676547;dc_trk_aid=501339018;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676544;dc_trk_aid=501381748;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Live Fresh Student Card","pros":"5% rebate on select merchants & 5% rebate on sustainable spend | No minimum spend requirement | Annual fee waived 5 full years","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"entertainment":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"general":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"grocery":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"medical":{"rate":0,"text":"0 as cashback is excluded from \"any top-ups or payment of funds to payment service providers\" from clause 6ix of terms and conditions."},"overseas":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"petrol":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"shopping":{"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"telecommunications":{"rate":0,"text":"0 as cashback is excluded from \"any top-ups or payment of funds to payment service providers\" from clause 6ix of terms and conditions"},"transportation":{"limit":15,"rate":0.05,"text":"Sustainable Cashback, cashback rate of 5%, capped at S$15. "},"travel":{"limit":20,"rate":0.003,"text":"Cashback rate of 0.03%, capped at S$20. "},"utilities":{"rate":0,"text":"0 as cashback is excluded from \"any top-ups or payment of funds to payment service providers\" from clause 6ix of terms and conditions"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":50},"rewardsType":"cashback","standOut":"5% cashback on McDonald's, Starbucks, Netflix & more","toc":"5% rebate on Starbucks, McDonald's, Netflix & more","type":"Visa","waiverMin":0,"waiverText":"Waived for 5 years","waiverYears":5,"ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":90,"apr":0.268,"buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","latePayment":100,"petrolSavings":"Up to 15% fuel savings at SPC (until March 31, 2022)","travelPromo":"Up to 15% with airasia, 9% with Expedia","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":65,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2022","annualFee":20,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","category":["general"],"cons":"Young adults who\u2019d prefer a card with EZ-Link functionality","description":"Easy Cashback on All Spend for Students & NSFs","editorial":{"perks":"Annual fee: S$20 (waived for using the card once every 3 months) | 1% unlimited rebate on all spend, no minimum requirement | S$500 credit limit | Access to Maybank TREATS discounts","reviewLink":"\/maybank-evibes-card-review","reviewSummary":"Maybank eVibes Card is one of the best on the market for students. With this card you can earn 1% unlimited cachback on all spend with no merchant restrictions and no minimum spend. In addition, the S$5 quarterly service fee is waived simply by using the card."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"MBB9","feeText":"S$20","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-evibes-visa","isActiveInTools":true,"issuer":"Maybank","link":{"affiliate":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604"},"name":"Maybank eVibes Card","pros":"Students & NSF earning less than S$30,000\/year|People looking for easy cashback on all spend|Individuals hoping to avoid paying an annual fee","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"general":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"petrol":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"travel":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"utilities":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Market-leading 1% flat rebate for students","toc":"Highest rebate for students\u20131% on all spend","type":"Visa","waiverMin":1,"waiverText":"Waived for using the card once every 3 months","waiverYears":0,"PROMO: GET S$150 ":"PROMO: APPLY AND S$50 CASH CREDIT","active":true,"ratingCategory1":80,"ratingCategory2":80,"ratingCategory3":100,"foreignSalary":"NA","foreignSalaryText":"S$30,000","Suppcard":"Free","latepayment":80,"travelpromo":"Up to 9% off bookings with Expedia, 7% off with Agoda","promotions":[{"promotion1":"Apply now and receive S$50 cashback with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years","promotionShort":"PROMO: APPLY AND S$50 CASH CREDIT","expiryDate":"2022\/12\/31"}]},{"_id":66,"active":false,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":32.1,"annualRewardsPromo":{"isFirstYearOnly":true,"value":30},"annualSalary":18000,"annualSalaryText":"S$18,000","category":["general"],"cons":"Students & NSFs looking to maximise cashback rewards|Consumers seeking cards with extra benefits & rebates|People who want to avoid card fees altogether","description":"Straightforward Cashback for Low Income Working Adults","editorial":{"reviewLink":"\/standard-chartered-manhattan-500-card-review","reviewSummary":"Standard Chartered Manhattan $500 Card is best suited for low income young adults earning less than S$30,000\/year. With no cap on earnings and no min spend, you can earn 0.25% cashback on general spend. You are also eligble to apply for this card if you are a student with no income.","perks":"Annual fee: S$32.10 (waived for the first year) | 0.25% cashback on general spend | Exclusions include spend on recurring bills |No minimum spend requirement and no cap on earnings | S$500 credit limit"},"expedia":"9% off bookings at eligible hotels or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$32.10","fxFee":0.035,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/sc-manhattan-mastercard","isActiveInTools":false,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/www.sc.com\/sg\/credit-cards\/manhattan-500-card\/"},"name":"Standard Chartered MANHATTAN $500 Card","pros":"Low-income young adults earning less than S$30,000\/year|People looking for a straightforward cashback card","rating":73.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"entertainment":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"general":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"grocery":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"medical":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"overseas":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"petrol":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"shopping":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"transportation":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"travel":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"utilities":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"cashback","standOut":"0.25% rebate for students & low-income adults","toc":"0.25% cashback for students & low-income adults","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":65,"ratingCategory2":60,"ratingCategory3":95,"foreignSalary":"NA","foreignSalaryText":"S$18,000","buffetPromo":"Up to 20% off dining at Marina Bay Sands (Till Jan 31, 2022) ","latePayment":100,"petrolSavings":"Up to 16% fuel savings at Caltex","travelPromo":"Up to 8% off bookings with Hotels.com","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":67,"active":false,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31,2022","annualFee":267.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":150},"booking":"","booking_Booking":"","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","cons":"Very affluent travellers who prioritse luxury perks|Infrequent travellers with high local spend|People looking to avoid cards with annual fees","description":"Citi PremierMiles Amex has been discontinued & is no longer available to new applicants","editorial":{"reviewLink":"\/citi-premiermiles-american-express-card-review"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$267.50","fxFee":0.0033,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/citi-premiermiles-amex","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"http:\/\/adx.io\/go\/AFOMPMV109Mar17"},"name":"Citi PremierMiles Card American Express","pros":"High-earning travellers who prefer to fly with SIA|Consumers willing to pay a higher fee for travel perks|People interested in both Citi & Amex's unique deals worldwide","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"general":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"medical":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas transactions"},"petrol":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"travel":{"rate":10,"text":"Travel Promotion: 10 Miles per S$1 Spend on Kaligo travel purchases (ends Dec 31, 2018); Non-promotional rate of 2 Miles per S$1 Spend for select travel merchants (Singapore Airlines, SilkAir, and KrisShop)"},"utilities":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"}},"rewardsType":"miles\/points","suppCard":"Free","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"annualSalary":"NA","foreignSalaryText":"NA","expedia_Code":"CITISG9"},{"_id":68,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":194.4,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Get up to S$280 cashback and 6 months of Disney+ subscription when you spend S$200.","value":280},"annualSalary":30000,"annualSalaryText":"S$30,000","buffetPromo":"Up to 50% off a la card dining & select buffets at Fullerton Hotel Singapore","category":["dining","overseas","promotion"],"cons":"People seeking to maximise rewards for everyday spend|Those with cards that already reward dining & overseas |People who spend S$350+\/month on dining alone","description":"Supplementary Card for Dining & Overseas Spend","editorial":{"perks":"Annual fee: S$192.60 (first 2 years - waived) | 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend |Free travel insurance | Up to 16% fuel savings with Caltex","reviewLink":"\/standard-chartered-rewards-plus-credit-card-review","reviewSummary":"With monthly rewards capped at 8,000 miles\/year, SC Rewards+ Card is a good fit for people with S$250-350\/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining."},"expedia":"9% off bookings at eligible hotels or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$194.40","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.035,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/scb-rewards-vis-sig","isActiveInTools":true,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=87&p=67&ev=affclk&k=aa463a2e9f1d9173"},"name":"Standard Chartered Rewards+ Credit Card","petrolSavings":"Up to 20.20% fuel savings at Caltex","pros":"People with S$250-350\/month dining & overseas budget|Supplementary card for lower spend areas","rating":78.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":1.45,"text":"5 Pts (1.45miles) per S$1 Spend, Dining transactions"},"entertainment":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"general":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"grocery":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend for online groceries"},"medical":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"overseas":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend, all Overseas transactions in Foreign Currency"},"petrol":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"shopping":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend for online shopping"},"telecommunications":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"transportation":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"travel":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"utilities":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"}},"conversion":{"miles":1015,"points":3500,"rate":0.01,"text":"3,500 Pts = 1,015 Miles"},"totalRewardsMonthlyCap":483.33},"rewardsType":"miles\/points","standOut":"Up to 2.9mi\/S$1 overseas, 1.45mi on dining","toc":"2.9 miles per S$1 overseas, 1.45 for dining","travelPromo":"Up to 12% off bookings with Hotels","type":"Visa","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"active":true,"ratingCategory1":75,"ratingCategory2":80,"ratingCategory3":80,"buffetpromo":"Up to 20% off dining at Marina Bay Sands (Till Jan 31, 2022) ","latePayment":100,"petrolsavings":"Up to 16% fuel savings at Caltex","suppCard":"Free (Up to 5 Cards) ","promotions":[{"promotion1":"Enjoy a 6-month Disney+ subscription for new SCB members when you activate your card within 30 days of card approval. Promotion valid until 31 March 2022","promotionShort":"PROMO: Qualifying customers can get up to 6-month Disney+ subscription ","expiryDate":"2022\/03\/31"},{"promotion1":"New SCB cardmembers stand to enjoy a 3-month Disney+ subscription when you activate your card within 30 days of card approval. Promotion is valid till 30 April 2022.","promotionShort":"PROMO: Qualifying customers can enjoy a 3-month Disney+ subscription ","expiryDate":"2022\/04\/30"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":69,"active":false,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Get $120 fuel savings when a minimum of S$180 nett fuel spend per month at any Esso service station in Singapore for all 3 months from Card approval date\n\nGet $50 fuel savings when a minimum of S$180 nett fuel spend per month at any Esso service station in Singapore for any 2 months out of the 3 months from Card approval date","value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","category":["petrol","transportation"],"cons":"Annual fee of S$192.60 waived only 1st year | Low rewards rate for general spend (approx. 0.3%-0.4%)","description":"Maximise Fuel Savings at Esso Stations","editorial":{"perks":"Annual fee: S$192.60 | Up to 21.2% fuel savings | 2.4% Smiles savings | 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax","reviewLink":"\/dbs-esso-platinum-credit-card-review","reviewSummary":"DBS Esso Platinum Card is a good choice for those who frequently purchase fuel at Esso. With this card you can earn up to 21.2% at Esso and an additional 2.4% with purchase of 250L of Synergy fuel."},"esso_Disc":"Up to 23.6% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/dbs-esso-mastercard","isActiveInTools":false,"issuer":"DBS","klook":"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. \n","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')\n","link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676577;dc_trk_aid=501381745;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676583;dc_trk_aid=501383659;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676580;dc_trk_aid=501037067;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Esso Card","petrolSavings":"Up to 21.2% fuel savings at Esso","pros":"Up to 21.2% fuel savings at Esso | Up to 2.4% Smiles savings ","rating":73.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0,"text":""},"entertainment":{"rate":0,"text":""},"general":{"rate":0,"text":""},"grocery":{"rate":0,"text":""},"medical":{"rate":0,"text":""},"overseas":{"rate":1,"text":"1 Smile Point can be converted to 1 KrisFlyer mile under Auto Smile Point conversions"},"petrol":{"rate":0.377,"text":"1 Pt per 1 Litre Synergy Fuel (est. S$2.65 as of November 2018)"},"shopping":{"rate":0,"text":""},"telecommunications":{"rate":0,"text":""},"transportation":{"rate":0,"text":""},"travel":{"rate":1,"text":"1 Smile Point can be converted to 1 KrisFlyer mile under Auto Smile Point conversions"},"utilities":{"rate":0,"text":""}},"conversion":{"rate":1,"text":"750 Pts = S$30 Redeemed Synergy Fuel"}},"rewardsType":"miles\/esso smile points","standOut":"Top discounts & savings on Synergy fuel at Esso","toc":"Up to 21.2% fuel savings at Esso","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":80,"ratingCategory2":65,"ratingCategory3":75,"apr":0.268,"buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","latePayment":100,"suppCard":93.6,"travelPromo":"Up to 15% with airasia, 9% with Expedia","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":70,"active":false,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":535,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"50,000 Membership Rewards points if S$5,000 spent in first 6 months: 450 pts=250 Miles, 1 Mile=S$0.01 value-to-consumer. Also get free 3D2N stay at Frasers Hospitality properties worldwide in every membership year, worth S$640 (based on lowest non-deposit rate at Capri by Fraser in Changi)","value":1557.78},"annualSalary":150000,"annualSalaryText":"S$150,000","category":["shopping"],"expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$535","foreignSalary":150000,"foreignSalaryText":"S$150,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/amex-platinum-reserve","isActiveInTools":false,"issuer":"American Express","link":{"affiliate":"https:\/\/www.americanexpress.com\/sg\/content\/platinum-reserve-credit-card\/#sg"},"name":"American Express Platinum Reserve Credit Card","petrolSavings":"Up to 21% fuel savings at SPC","promotion":"Enjoy a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide","rewardsRate":{"categories":{"dining":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"entertainment":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"general":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"grocery":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"medical":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"overseas":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"petrol":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"shopping":{"rate":3.4375,"text":"10 Pts (5.5miles) per S$1.60 Spend at Platinum EXTRA Partners like Lee Hwa Jewellery, Peony Jade restaurant and Watches of Switzerland"},"telecommunications":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"transportation":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"travel":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"utilities":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"}},"conversion":{"miles":5.5,"points":10,"rate":0.01,"text":"10 Pts = 5.5 Miles"}},"rewardsType":"miles\/points","standOut":"Complimentary access to SG's most exclusive clubs & venues","suppCard":"first 2 supplementary cards fee are permanently waived; $160.5 for each subsequent card","toc":"Exclusive luxury memberships in SG","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"promotionShort":"Enjoy a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide","buffetpromo":"Up to 15% savings at Grand Hyatt, Sheraton Towers Singapore","latepayment":90,"promotion2":"For new to American Express Consumer Card Members, spend S$5,000 within the first 6 months of Card Approval and receive 50,000 Membership Rewards points.","cons":"","description":"An Upgrade from the Platinum Credit Card with Luxury Perks for Affluent Singaporeans","editorial":{"perks":"Annual fee: S$535 | 0.69 miles (1.25 pts) per S$1 spend | Points do not expire | Dining Perks: Love Dining, Amex Selects & Amex Global Dining Programme | Lifestyle Perks: Access to Tower Club Singapore, Chillax by Amex Premium, Platinum Wellness spa privileges, Premium Golf"},"fxFee":"0.0295","pros":"Exclusive luxury local privileges | Great local dining discounts and rewards on designer brands"},{"_id":71,"active":false,"annualFee":203.3,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","category":["dining","entertainment","general","grocery","medical","shopping","transportation"],"cons":"Grouped categories capped at S$25\/mo | Few additional perks or privileges | General retail earns just 0.30% cashback","description":"Well-Rounded Cashback\u2013Even for Transit & Hospital Spend","editorial":{"perks":"Annual fee: S$203.30 (first year - waived) | 10% cash rebate on dining and movies | 5% cash rebate on Family Club Merchants | 3% on public transportation transactions | 3% on supermarket, online purchases and hospital bills | 0.3% rebate on all other retail spend","reviewLink":"\/boc-family-card-review","reviewSummary":"BOC Family Card is a great option for households on moderate, diversified budgets looking to earn cashback. This card offers 10% cashback on dining and movie theaters, 5% at select Family Club merchants, 3% on public transport and 3% on supermarket, hospital and online retail spend."},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc_family_card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=139&p=134&ev=affclk&k=44ed7ee92215b07c"},"name":"BOC Family Card","pros":"10% rebate on dining & movies | 5% w\/ \"Family Club\" marchants | 3% on public transport, supermarkets, hospitals bills & online spend","rating":81.33333333333333,"rewardsRate":{"categories":{"dining":{"limit":12.5,"rate":0.1,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Dining\/Entertainment monthly cashback capped at S$25"},"entertainment":{"limit":12.5,"rate":0.1,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Dining\/Entertainment monthly cashback capped at S$25"},"general":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"grocery":{"rate":0.03,"text":"3% cash rebate on Supermarket transactions made at all major supermarkets and\/or hypermarket stores in Singapore with the assigned MCC 5411 \u2013 Grocery Stores and Supermarkets."},"medical":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$100"},"overseas":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"petrol":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"shopping":{"limit":25,"rate":0.05,"text":"5% cash rebate on \u201cFamily Club Merchants\u201d transactions made at Best Denki, POPULAR Bookstore, Unity Pharmacy, Watsons and Welcia-BHG, and merchants classified under \u201cFamily Club\u201d by BOC in Singapore (except for retail stores in schools, roadshows, expo and events). The constituents of \u201cFamily Club Merchants\u201d may be modified by BOC from time to time. The Family Cash Rebate for Family Club Merchants is capped at S$25 per Card Account per billing cycle."},"transportation":{"limit":25,"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$100"},"travel":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"utilities":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"Top cashback in practical categories like transit & medical","toc":"Up to 10% on dining, 3% on transit, medical & more","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotionShort":"","PROMO: GET S$150 ":"","ratingCategory1":89,"ratingCategory2":75,"ratingCategory3":80,"apr":0.26,"fxFee":0.03,"latePayment":100,"suppCard":101.65,"type":"Visa"},{"_id":72,"active":false,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":70},"annualSalary":30000,"annualSalaryText":"S$0.0 for Students & NSFs (age 18-29); S$18,000 for salaried employees age below 35; S$30,000 for age above 35","category":["dining","entertainment","shopping","telecommunications"],"cons":"Individuals who earn more than S$30,000\/year|People who tend to eat in, and prefer to shop offline|Young adults looking for cashback on their utilities spend","description":"Cashback in Key Spend Areas for Students & Low Income Adults","editorial":{"reviewLink":"\/cimb-awsm-card-review","reviewSummary":"CIMB AWSM Card is a great fit for students and low-income adults. With no cap and no minimum spend, you can earn 1% cashback on dining, entertainment, online shopping and telco.","perks":"Annual fee: free | 1% unlimited cashback on dining, entertainment, online shopping & telco | No minimum spend requirement | Access to CIMB Deals & Discounts"},"feeText":"None","foreignSalaryText":"S$30,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-AWSM-MasterCard-2","isActiveInTools":false,"issuer":"CIMB","link":{"affiliate":"https:\/\/www.cimbbank.com.sg\/en\/personal\/products\/cards\/credit-cards\/cimb-awsm-card.html"},"name":"CIMB AWSM Card","pros":"Students, NSFs & low-income consumers earning less than S$30,000\/year|People with high spend on dining, entertainment, online shopping & telco|Individuals interested in discounts & deals in Indonesia and Malaysia","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Dining spend"},"entertainment":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Entertainment spend"},"general":{"rate":0},"grocery":{"rate":0},"medical":{"rate":0},"overseas":{"rate":0},"petrol":{"rate":0},"shopping":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Online Shopping spend"},"telecommunications":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Telecommunications spend"},"transportation":{"rate":0},"travel":{"rate":0},"utilities":{"rate":0}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"cashback","standOut":"1% rebate for students on dining, entertainment & more","toc":"Unltd 1% rebate on dining, entertainment & more for students","type":"Mastercard","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":100,"foreignSalary":"NA","promotions":[{"promotion":"Get S$8 off min spend of S$16 at Shopee (until Dec 31, 2021)","promotionShort":"PROMO: GET 9% OFF EXPEDIA HOTEL BOOKINGS","promotion2":"Use code CIMBSG9 to enjoy 9% off hotel bookings with Expedia (until Dec 31, 2021)","promotion3":"Use code 20CIMBNC to enjoy S$10 off S$20 min spend at ezbuy (until Dec 31, 2021)","promotion5":"Promotion: Get S$8 off min spend of S$16 at Shopee + Use code 20CIMBNC to enjoy S$10 off S$20 min spend at ezbuy (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":73,"active":false,"agoda":"","agoda_Booking":"","annualFee":588,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"","booking_Booking":"","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$588","has_application":false,"image":"referral_logos\/sg\/credit_cards\/UOB_Ladys_Solitaire_Metal.png","isActiveInTools":false,"issuer":"UOB","klook":"","klook_Booking":"","link":{"affiliate":"https:\/\/www.uob.com.sg\/personal\/cards\/credit\/ladys\/"},"name":"UOB Lady's Solitaire Metal Card","promotion":"Complimentary airport limousine rides (1 per year) & lounge access (6 per year)","promotion2":"Complimentary travel insurance up to USD500,000","promotion3":"Complimentary 24\/7 Mastercard Travel and Lifestyle service","promotion5":"Promotion: Complimentary airport limousine rides (1 per year) & lounge access (6 per year) + complimentary travel insurance up to USD500,000 + more!","standOut":"Earn 4mi \/S$1 spend in 2 selected categories + free Global Hotel Alliance Black Loyalty Membership","toc":"4mi\/S$1 in 2 spend categories, exclusive hotel memberships","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotionShort":"PROMO: FREE ANNUAL LIMO RIDE + AIRPORT LOUNGE ACCESS","shell_Disc":"Up to 14% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC"},{"_id":74,"active":false,"agoda":"","agoda_Booking":"","annualFee":642,"annualSalary":150000,"annualSalaryText":"S$150,000","booking":"","booking_Booking":"","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$642","foreignSalary":150000,"foreignSalaryText":"S$150,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/resizedpt2-uob-visa-infinite-metal_v2","isActiveInTools":false,"issuer":"UOB","klook":"","klook_Booking":"","link":{"affiliate":"https:\/\/www.uob.com.sg\/personal\/cards\/credit\/visa-infinite\/index.html#Exploration"},"name":"UOB Visa Infinite Metal Card","promotion":"Receive 25,000 miles with your annual membership\/renewal fee payment of S$642","promotion2":"Download the Visa Airport Companion App and receive 4 complimentary global lounge access per membership year to over 1,200 global airport lounges & up to 25% discount at over 1,000 participating restaurants in airports worldwide","promotion5":"Promotion: Receive 25,000 miles with your annual membership\/renewal fee payment of S$642 + register for Visa Airport Companion App and receive 4 complimentary global lounge access per membership year to over 1,200 global airport lounges & up to 25% discount at over 1,000 participating restaurants in airports worldwide","standOut":"25k annual bonus miles, Tower Club & China Club access","toc":"25k annual bonus miles, Tower Club & China Club access","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotionShort":"PROMO: GET 25,000 MILES EACH YEAR","shell_disc":"Up to 14% fuel savings at Shell","spc_disc":"Up to 20% fuel savings at SPC"},{"_id":75,"active":false,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":4160,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"","booking_Booking":"","editorial":{"perks":"Annual fee: S$4,160 | By invitation only (S$500,000 min. income requirement)| 1.6 miles per S$1 locally, 2 miles overseas | Receive 150,000 bonus miles w\/ each annual renewal | Up to 3 Priority Pass memberships | Free bonus night per hotel booking | Companion Airfare Program"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$4,160","fxFee":0.003,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi_Ultima.jpg","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"https:\/\/www.citibank.com.sg\/cpc\/sgp_lifestyle_prestige.htm"},"name":"Citi ULTIMA Card","standOut":"150k annual bonus miles, Companion airfare program, buy-one-get-one hotel nights and up to three Priority Pass memberships","toc":"150k annual bonus miles, Companion airfare program, buy-one-get-one hotel nights and up to three Priority Pass memberships","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"expedia_Code":"CITISG9"},{"_id":76,"active":false,"agoda":"6% off accommodations and in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2022","annualFee":5000,"annualSalary":500000,"annualSalaryText":"S$500,000","expedia":"9% off \"Expedia Rate\" Hotel Bookings","expedia_Booking":"Book by 31 Dec 2022","expedia_Code":"AMEX9","feeText":"S$5,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/Amex_Centurion.jpg","isActiveInTools":false,"issuer":"American Express","link":{"affiliate":"https:\/\/www.americanexpress.com\/sg\/campaigns\/travel\/relish-the-moment\/centurion-and-platinum-card.html"},"name":"American Express Centurion Card","standOut":"Unltd lounge, elite hotel privileges, Tower Club membership","toc":"Unltd lounge, elite hotel privileges, Tower Club membership","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0},{"_id":77,"active":false,"agoda":" $45 off with min spend of S$300 limited to first 200 redemption of the month, with promo code: DBSXXX where XXX is the first 3 character of the month","agoda_Booking":"Book by Dec. 31, 2022","annualFee":3210,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book and stay by 31 December 2024","editorial":{"perks":"2 miles per S$1 spend overseas | 1.6 miles per S$1 spend | Dedicated DBS Insignia Service Ambassador | Unlimited Priority Pass membership to over 1,000 airport lounges worldwide","tagline":"Invite-Only Card Offering Luxury Privileges with Hyatt Hotels"},"expedia":"9% off hotel bookings, 5% off \u201cThings to do\u201d bookings, S$15 off on flight + hotel package bookings w\/ S$500 min. spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"Hotel Bookings (Code: DBSSG922), \u201cThings to do\u201d bookings (Code: DBSSG522), flight + hotel package bookings (Code: DBSSG15)","feeText":"S$3,210","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS-Insignia_visa-infinite.jpg","isActiveInTools":false,"issuer":"DBS","klook":"\"5% off Klook Activities w\/ S$30 min. spend for all DBS\/POSB Cardmembers who are new to Klook. Capped at $10 \n\n10% off Klook Activities w\/ S$150 min. spend. Limited to first 170 redemptions. Capped at S$25. \n\"","klook_Booking":"All promotions are valid until Dec 31, 2022","klook_Code":"New to Klook - (Code: DBSNEW22)\n\n10% off Klook Activities - (Code: DBS22XXX)\n(Promo code will be 'DBS22' followed by the first 3 alphabets of the month, e.g. In January, enter 'DBS22JAN')","link":{"affiliate":"https:\/\/www.dbs.com.sg\/treasures\/deposits\/your-cards\/insignia"},"name":"DBS Insignia Visa Infinite Card","promotion":"Apply and get 100,000 welcome air miles + a luxurious two-night stat at a hotel of your choice (more than 40 luxury hotels and resorts to choose from)","promotion5":"Promotion: Apply and get 100,000 welcome air miles","standOut":"Complimentary passes into JetQuay Quayside, exclusive hotel privileges, and more","toc":"Free 2N hotel stay, Insigna Luxury Yacht Access, & exclusive privileges","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"buffetPromo":"20% off total bill at Ellenborough Market Caf\u00e9, 15% off total bill at Carousel (and more!)","petrolSavings":"Up to 15% fuel savings at SPC (until March 31, 2022)","travelPromo":"Up to 15% with airasia, 9% with Expedia","annualRewardsPromo":{"isFirstYearOnly":true,"text":"Recieve 100,000 welcome air miles when you sign up for this card","value":"100,000 air miles"},"rewardsRate":{"categories":{"dining":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"entertainment":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"general":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"grocery":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"medical":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"overseas":{"rate":2,"text":"2 miles per $1 spent overseas"},"petrol":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"shopping":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"telecommunications":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"transport":{"rate":1.6,"text":"1.6 miles per $1 spent locally"},"travel":{"rate":2,"text":"2 miles per $1 spent overseas"},"utilities":{"rate":1.6,"text":"1.6 miles per $1 spent locally"}},"conversion":{"text":"$1 = 2 Miles (Spent overseas)\n$1 = 1.6 Miles (Spent locally)"}}},{"_id":78,"annualFee":53.5,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"A renewal bonus of 10,000 Travel$ (\u201cBonus\u201d) will be awarded to the Principal Cardmember upon such Cardmember\u2019s full settlement of the non-refundable annual service fee","value":100},"annualSalary":30000,"annualSalaryText":"S$30,000","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel and more","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","telecommunications","transportation","travel","promotion"],"cons":"Local rates are less competitive | No category-specific rewards boosts ","description":"Unlimited Miles + Flexible Rewards","editorial":{"perks":"Annual fee: S$54.00 (Extra 10,000 Travel$ with S$180 top-up) | Miles Option: 1.3 miles per S$1 locally, 2.1 miles overseas | Earn up to to 7 Miles per S$1 spent on bookings made with Agoda | Rewards never expire","reviewLink":"\/ocbc-90-degrees-n-credit-card-review","reviewSummary":"OCBC 90\u00b0N Card is a great option for wealthy spenders looking for both cash back and miles rewards. You can receive rewards in miles, earning 1.2 miles per S$1 local and 2.1 miles per S$1 overseas spend."},"esso_Disc":"Up to 14% fuel savings at Esso","feeText":"S$54.00 (Extra 10,000 Travel$ with S$180 top-up)","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC_90degree_MasterCard.png","isActiveInTools":false,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=126&a=58","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC 90\u00b0N MasterCard","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"Versatile Miles: 1.3 mi\/S$1 locally, 2.1 mi overseas | Rewards never expire| No minimun spend | No cap on miles earned","rating":83.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.1,"text":"2.1 mi per S$1 spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"rate":2.1,"text":"2.1 mi per S$1 spend in foreign currency"},"utilities":{"rate":0,"text":"Not covered"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Earn unlimited miles and cashback, no conversion fees","suppCard":53.5,"toc":"Unlimited miles and cashback","type":"Mastercard","waiverMin":0,"waiverText":"waived for the first year).","waiverYears":0,"ratingCategory1":95,"ratingCategory2":75,"ratingCategory3":80,"active":true,"klook":"10% off (capped at S$10) with min. spend of S$50 & 10% off (capped at S$25) with min. spend of S$150 for first 50 redemptions monthly per code ","klook_Booking":"Valid until 31 Dec 22","klook_Code":"10OCBC\u003CMTH\u003E \/ 25OCBC\u003CMTH\u003E","promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"},{"promotion1":"New OCBC cardmembers can earn up to 55,000 miles","promotion2":"Pay the annual service fee of S$180 (excl. GST) and make a min. spend of S$15,000 within 6 months of card approval date","expiryDate":"2023\/04\/12","promotionShort":"PROMO: New OCBC Cardmembers can get up 55,000 miles with a min. spend of S$15,000 within first 6 months of card approval"}]},{"_id":79,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":702,"annualSalary":80000,"annualSalaryText":"S$80,000","category":["overseas","travel","petrol","entertainment","medical","promotion"],"cons":"Bonus miles limited to affluent consumers | Very high & unwaivable S$702 annual fee | Lower rewards rates than other lux. cards","description":"Best Upfront Miles Promotion for Wealthy Travellers","editorial":{"perks":"Annual fee: S$702 | 1.2 miles (3pts) per S$1 local spend | 2 miles (5pts) per S$1 overseas spend | 2 complimentary visits to Priority Pass lounges | Complimentary travel insurance | 0% Interest Instalment Plan","reviewLink":"\/standard-chartered-visa-infinite-x-credit-card-review","reviewSummary":"Standard Chartered Visa Infinite X is a good option for very wealthy consumers looking to rapidly accrue miles. As a sign-on bonus, place S$300,000 fresh funds and receive 100,000 KrisFlyer miles as a welcome gift. You can also earn 1.2 miles per S$1 local spend and 2 miles per S$1 spend overseas."},"expedia":"9% off bookings at eligible hotels or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$702","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/StandardChartered_Visa_Infinite_X_12.05.19.png","isActiveInTools":true,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=147&p=69&ev=affclk&k=913fff233c658093"},"name":"Standard Chartered Visa Infinite X Credit Card","petrolSavings":"Up to 21.3% savings at Caltex (Up till Jun 30, 2022)","pros":"Earn up to 300,000 bonus welcome miles | Earn 2 miles\/S$1 spend overseas | Special privileges with elite hotels","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 miles per S$1 spend overseas"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"rate":2,"text":"2 miles per S$1 spend ovearseas"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Receive S$6,000 cash reward for investing w\/ SC Bank","suppCard":107,"toc":"Bonus S$6,000 w\/ S$200k fund placement","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"PROMO: GET S$150 ":"PROMO: GET 30,000 MILES AT SIGN-UP","ratingCategory1":90,"ratingCategory2":100,"ratingCategory3":70,"active":true,"promotions":[{"promotion":"New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)","promotionShort":"PROMO: GET 30,000 MILES AT SIGN-UP","promotion5":"Promotion: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)","expiryDate":"2021\/12\/31"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":80,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":194.4,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["dining","travel","entertainment","shopping","transportation","promotion"],"cons":"Bonus Reward Points capped at 3,600 mi (9,000 pts) per month | S$192.60 fee waived just 1 year | General spend earns 0.4 mi per S$1","description":"Top Miles for Lazada Loyalists & Rewards for Social Spend","editorial":{"perks":"Annual fee: S$194.40 (first year - waived) | 4 mi (10pts) per S$1 spend on Lazada | 2 mi (5pts) on dining, travel, nightlife, entertainment (including Netflix and Spotify) and commute | 0.4 mi (1 pt) on all other spend| Shipping rebates on Lazada | Complimentary travel insurance | No min spend required","reviewLink":"\/citi-lazada-card-review","reviewSummary":"Citi Lazard Card is a great option for low-to-medium spenders who looking to earn rewards on online shopping with Lazard and other social spend. With this card you can earn 4 miles per S$1 on Lazard and 2 miles per S$1 spend on dining, transport and entertainment.","tagline":"Great Miles Card for Lazard Loyalists"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$194.40","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Lazada_12-12-19.jpg","isActiveInTools":true,"issuer":"Citibank","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=357&p=60&ev=affclk&k=452dbd39b5abf42f"},"name":"Citi Lazada Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"4 mi (10pts) per S$1 spend on Lazada | 2 mi (5pts) on dining, transport & more | Shipping rebates & exclusive Lazada deals","rating":81.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"entertainment":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"general":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"overseas":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"shopping":{"rate":4,"text":"4 miles per S$1 spend at Lazada"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"transportation":{"rate":0,"text":"all transit transactions excluded"},"travel":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"utilities":{"rate":0,"text":"Utilities excluded"}},"conversion":{"miles":2,"points":1,"rate":0.01},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","standOut":"Miles & discounts w\/ Lazada + dining, entertainment & Grab","toc":"Up to 4 miles per S$1 spend on Lazada","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 LAZADA & S$100 REDMART VOUCHERS","ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":80,"active":false,"promotions":[{"promotion":"Receive S$250 in Lazada and Redmart vouchers when you spend a min. of S$250 on eligible goods and services within one full calendar month of approval. Promotion valid until 31 Jan 2022. For new customers only","promotionShort":"PROMO: GET S$250 in Lazada and Redmart vouchers with a min. spend of S$250 within the first month for new customers","promotion5":"Promotion: S$250 in Lazada and Redmart vouchers with a min, spend of S$250 for new customers","expiryDate":"2022\/01\/31"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}],"expedia_Code":"CITISG9"},{"_id":81,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":194.4,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"","booking_Booking":"","category":["general","overseas","shopping","promotion"],"cons":"Average or lower spenders looking to maximise rewards|Those with specialised spend (i.e. dining, shopping)|Consumer looking to avoid an annual fee","description":"Market-Leading 1.6% Unlimited Cashback on All Local & Overseas Spend","editorial":{"perks":"Annual fee: S$194.40 (first year - waived) | 1.6% cashback on all local and overseas spend | No minimum spend | No cap on cashback | Redeem cashback instantly via SMS or Citi Pay with Points ","reviewLink":"\/citi-cash-back-plus-credit-card-review","reviewSummary":"Citi Cash Back+ Card offers highest unlimited flat cashback rate of 1.6% on all expenditures in Singapore and abroad, making it ideal for high-spenders looking to maximize their rewards on all spend with no limits.","tagline":"Best Unlimited Cashback on All Local and Overseas Spend"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$194.40","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Cash_Back_Plus_MC_03-08-2020.png","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"https:\/\/apply.creatory.hyphengroup.io\/click?o=3&a=58"},"name":"Citi Cash Back+ Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Affluent consumers spending S$7k+\/mo|People interested in an easy-to-use flat rate card|Those looking to avoid spend requirements or rewards caps","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.016,"text":"1.6% cashback on spend"},"general":{"rate":0.016,"text":"1.6% cashback on spend"},"overseas":{"rate":0.016,"text":"1.6% cashback on spend"},"shopping":{"rate":0.016,"text":"1.6% cashback on spend"},"travel":{"rate":0.016,"text":"1.6% cashback on spend"},"utilities":{"rate":0}},"conversion":{"rate":1},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Top unlimited flat cashback rate of 1.6%","toc":"Unlimited 1.6% cashback on all spend","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":80,"active":true,"promotions":[{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"No promotion for existing card holders","promotionShort":"Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow.","expiryDate":"2022\/10\/16","promotion3":"Promo period: 3 October to 16 October 2022"},{"promotion1":"Qualified customers can receive a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 in cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"Promo period: 3 - 31 October 2022","promotionShort":"PROMO: Get a Dyson V8 or Tilt 500 or ErgoTune Supreme or S$350 cash.","expiryDate":"2022\/10\/31"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$400 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 1 - 8 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-100XM5 \/ AirPods Pro (2nd Gen) + Mag Safe Charger \/ S$400 cash via PayNow","expiryDate":"2022\/11\/08"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$350 Cash via PayNow\n","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval\n","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period\n","promotion5":"Promotion period: 9 - 15 November 2022\n","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-1000XM5 \/ AirPods Pro (2nd Gen) + MagSafe Charger \/ S$350 Cash via PayNow\n","expiryDate":"2022\/11\/15"},{"promotion1":"Get\u00a0Popsical Remix II (comes with 1 Month Free Subscription)\u00a0(worth S$599) \/\u00a0Dyson V8 Slim\u2122 Fluffy\u00a0(worth S$549) \/\u00a0Morning Coffee Machine\u00a0(worth S$510) \/\u00a0S$350 Cash\u00a0via PayNow and\u00a0win up to S$30,000 worth of prizes\u00a0with Citi Cash Back+ Card","promotion2":"Promotion valid until 8 Dec 2022 and is only for new card members","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotionShort":"PROMO: Qualified customers can get S$350 Cash via PayNow \/ Dyson V8 Slim\u2122 Fluffy \/ Morning Coffee Machine \/ Popsicle Remix II & more","expiryDate":"2022\/12\/08"},{"promotion1":"Receive S$300 Cash via PayNow. Promotion period: 9 - 18 December 2022","promotion2":"No promotion for existing card members","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion4":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotionShort":"PROMO: Qualified customers can get S$300 Cash via PayNow","expiryDate":"2022\/12\/08"},{"promotion1":"Get a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow\/ S$350 Cash via PayNow","promotion2":"Promotion valid only for new card members","promotionShort":"PROMO: New card members can receive a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow","expiryDate":"2023\/09\/17","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion period: 9 - 19 January 2023"}],"expedia_Code":"CITISG9"},{"_id":82,"agoda":"","agoda_Booking":"","annualFee":192.6,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"","booking_Booking":"","category":["dining","shopping","transportation","travel","overseas","general","petrol","promotion","utilities"],"cons":"Just 1.2 mi on non-category overseas spend | No lounge access perks | No spend-based fee-waiver","description":"Top Miles & Practical Travel Perks for SIA Loyalists","editorial":{"perks":"Annual fee: S$192.60 (first year - waived | 3.0 KF miles\/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop) | 3.0 KF miles\/S$1 on dining & food delivery, online shopping & travel and transport\u2013with min. S$800 annual spend on SIA brands | 1.2 KrisFlyer miles\/S$1 on general spend, locally & overseas | 10,000 annual bonus renewal miles ","reviewLink":"\/krisflyer-uob-credit-card-review","reviewSummary":"UOB KrisFlyer Credit Card is a great option for SIA Loyalists who tend to fly on a budget. You can earn 3 miles per S$1 on all SIA and SilkAir transactions, and 3 miles per S$1 on dining, transport, online shopping and travel. In addition, you can enjoy travel perks such as baggage upgrades and priority check-in.","tagline":"Great Miles Card for Singapore Airlines Loyalists"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/KrisFlyer-UOB-Credit-2.png","isActiveInTools":true,"issuer":"UOB","klook":"","klook_Booking":"","link":{"affiliate":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001506&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001506:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001506&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001506:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com\/sg\/apply\/?productId=001506&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001506:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false"},"name":"KrisFlyer UOB Credit Card","petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","pros":"3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop | Up to 3 mi on dining, transport, online shopping & travel | Expedited KF Elite Silver status, Scoot privileges | 10,000 annual bonus renewal miles","rating":90,"rewardsRate":{"categories":{"dining":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"general":{"rate":1.2,"text":"1.2 miles per S$1 on general spend"},"overseas":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"shopping":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"transportation":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"travel":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"utilities":{"rate":0}},"conversion":{"rate":0.01},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Boosted everyday miles w\/ SIA perks & privileges","toc":"3mi\/S$1 on dining, transport, shopping & travel","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":true,"ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":90,"promotions":[{"promotion1":"No promotion currently being offered"}]},{"_id":83,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"10K annual renewal miles bonus ","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"","booking_Booking":"","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","promotion","taxes"],"editorial":{"perks":"Annual fee: S$192.60 |45,000 miles welcome offer |10,000 miles renewal bonus (worth S$100)| 1.2 miles per S$1 local spend, 2 miles overseas | Miles earned never expire | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee, which also offers a way to earn bonus miles. Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-pmv-20190404.png","isActiveInTools":false,"issuer":"Citibank","latePayment":80,"link":{"affiliate":"https:\/\/singsaver.link\/vc-citi-pmvfp"},"name":"Citibank PremierMiles (with Bonus)","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","suppCard":"Complementary","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"","ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":false,"expedia_Code":"CITISG9"},{"_id":84,"agoda":"18% off Singapore and hotels worldwide","agoda_Booking":"Book by May.31, 2022","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"10K annual renewal miles bonus ","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"","booking_Booking":"","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","promotion"],"editorial":{"perks":"Annual fee: S$192.60 (first year - waived)| 10,000 miles renewal bonus (worth S$100) | 1.2 miles per S$1 local spend, 2 miles overseas | Miles earned never expire | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee (which this option waives in the first year). Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"expedia":"9% off hotels on Expedia, \"Flight + Hotel\" Packages","expedia_Booking":"Book by Dec.31, 2022","feeText":"None","foreignSalary":42000,"foreignSalaryText":"S$42,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-pmv-20190404.png","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"https:\/\/clk.creatory.hyphengroup.io\/redirect?sid=qckduh.is4zjr "},"name":"Citibank PremierMiles (with Fee Waiver)","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","type":"Mastercard","waiverMin":0,"waiverYears":0,"ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":false,"promotions":[{"promotion1":"Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 - 15 September 2022","promotionShort":"PROMO: GET a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or EverDesk +Lite (worth S$599) or S$350 Cash via PayNow.","expiryDate":"2022\/09\/15"},{"promotion1":"Receive an Apple Watch SE 2nd Gen or Apple iPad 9th Gen or ErgoTune Supreme V3 or S$350 Cash within 30 days of card approval.","promotion2":"Promo period: 1 September - 2 October 2022","promotionShort":"PROMO: Eligible customers can receive Apple Watch SE 2nd Gen \/ Apple iPad 9th Gen \/ ErgoTune Supreme V3 \/ S$350 Cash","expiryDate":"2022\/10\/02"},{"promotion1":"Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth $418) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval","promotion2":"No promotion for existing card holders","promotion3":"Promotion period: 3 \u2013 16 October 2022","promotionShort":"PROMO: Qualified customers can receive a Dyson Supersonic\/Sony XM5\/Apple Bundle\/S$350 Cash via PayNow ","expiryDate":"2022\/10\/16"},{"promotion1":"Receive Dyson Supersonic (worth S$649) \/ Sony WH-1000XM5 (worth S$569) \/ AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) \/ S$400 Cash via PayNow","promotion2":"No promotion for existing card members ","promotion3":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion4":"Promotion period: 1 - 8 November 2022","promotionShort":"PROMO: Qualified customers can receive Dyson Supersonic \/ Sony WH-100XM5 \/ AirPods Pro (2nd Gen) + Mag Safe Charger \/ S$400 cash via PayNow","expxiryDate":"2022\/11\/08"},{"promotion1":"Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)","promotion2":"Promotion valid only for new card members","promotionShort":"PROMO: Receive a Dyson V8 Absolute\u2122 (worth S$649) \/ Dyson TP00 Air Purifier (worth S$549) \/ TEFAL QT1510 IXEO + Garment Steamer (worth S$459)","expiryDate":"2023\/01\/19","promotion3":"All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts","promotion4":"Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval","promotion5":"Reward may be retracted or cancelled if the card is cancelled before this 12-month period","promotion6":"Promotion period: 9 - 19 January 2023"}],"expedia_Code":"CITISG9"},{"_id":85,"active":false,"agoda":"","agoda_Booking":"","annualFee":214,"annualSalary":50000,"annualSalaryText":"S$50,000","booking":"","booking_Booking":"","category":["general","petrol","overseas"],"cons":"General spend earns 0.4 mi (0.2 UNI$) \/ S$1 | S$1k local + S$1k overseas min. spend | Petrol rate excludes SPC & Shell | Few travel perks","description":"Boosted Rewards for Occasional Travellers with Moderate Budgets","editorial":{"reviewLink":"\/uob-visa-signature-card-review","reviewSummary":"UOB Visa Signature Card is a great option for miles-seeking consumers who frequently travel and have moderate budgets. With this card, you can earn 4 miles per S$1 spend on petrol and all contactless purchases locally, as well as 4 miles per S$1 spend overseas.","perks":"Annual fee: S$214 ( waived for one year) | 10 miles (5 UNI$) per S$1 spend overseas, petrol and contactless transactions (w\/ S$1k min. spend) | 0.4 miles (0.2 UNI$) per S$1 spend on all other transactions | Free travel insurance| UOB Year-Round Privileges"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2022","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$214","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-visa-signature-card.png","isActiveInTools":false,"issuer":"UOB","klook":"","klook_Booking":"","link":{"affiliate":"https:\/\/singsaver.link\/vc-boc-fam"},"name":"UOB Visa Signature Card","pros":"4 mi (2 UNI$) \/ S$1 local contactless & petrol | 4 mi (2 UNI$) \/ S$1 overseas (inc. online) | Free travel insurance","rating":80,"standOut":"Boosted miles for petrol, contactless transactions & overseas","suppCard":107,"toc":"Up to 4mi\/S$1 on local petrol, contactless & overseas","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":90,"ratingCategory2":70,"ratingCategory3":80,"promotions":[{"promotion1":"Receive up to S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive upto S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Feb 28, 2022)","expiryDate":"2022\/02\/28"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":86,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general","overseas","travel"],"cons":"Slightly higher S$203.3 annual fee | S$30 conversion fee, no auto-enrolment | No travel perks or bonus miles","description":"Great Miles Rates Locally & Abroad","editorial":{"perks":"Annual fee: S$203.30 (or 30,000 BOC Bonus Points = 6,667 miles)| 2 KrisFlyer Miles or Asia Miles per S$1 overseas spend| 1 KrisFlyer Miles or Asia Miles per S$1 local spend | Enjoy access to shopping and dining vouchers | 24\/7 Concierge Service","reviewLink":"\/boc-elite-miles-world-mastercard-review","reviewSummary":"BOC Elite Miles Mastercard is a great option for those looking to rapidly accrue miles on every purchase. With this card, you can earn 2 miles per S$1 spend overseas and 1 mile per S$1 spend locally.","tagline":"Great Mileage Accrual, at Home and Abroad"},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Elite_Miles_World_Mastercard.jpg","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=141&p=131&ev=affclk&k=97c0c38434831008"},"name":"BOC Elite Miles World Mastercard","pros":"2 miles (9 pts) per S$1 overseas | 1 mile (4.5 pts) per S$1 locally | BOC Points can be converted to both KrisFlyer Miles or Asia Miles","rating":78.33333333333333,"rewardsRate":{"categories":{"general":{"rate":1,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"overseas":{"rate":2,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"travel":{"rate":2,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"utilities":{"rate":0}},"conversion":{"rate":0.01}},"rewardsType":"miles\/points","standOut":"Great miles rates","suppCard":101.65,"toc":"2 miles\/S$1 overseas and 24\/7 Concierge Service","type":"Mastercard","waiverMin":0,"waiverYears":0,"active":false,"ratingCategory1":80,"ratingCategory2":75,"ratingCategory3":80,"waiverText":"Waived for 1 year"},{"_id":87,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["dining","newspaper subscriptions"],"cons":"Frequent travellers| Those with larger budgets (above S$3,000) | Those looking for rebates on groceries","description":"Earn Cashback and Loyalty Points on Local and Overseas Spend","editorial":{"perks":"Annual fee: S$203.30 (waived for 2 years) | 5% on dining | 10% cash rebate on Zaobao & SPH newspaper subscriptions | Unlimited bonus 1.5% cashback on all retail spend | No currency exchange fees for RMB transactions | 2 BOC bonus points on S$1 overseas spend and 1 BOC bonus point on S$1 local spend","reviewSummary":"A truly unique card, BOC Zaobao allows customers to earn both cashback on certain spend categories, as well as BOC bonus points on local and overseas spend. Best suited for those whose purchases align with the cashback categories, and spend min. S$400 a month. "},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.032,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Zaobao_Card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=142&p=132&ev=affclk&k=c94e4d0e7c7ae728"},"name":"BOC Zaobao Credit Card","pros":"Those who make transactions in RMB | Those who want to earn both cashback and loyalty points","rating":85,"rewardsRate":{"categories":{"dining":{"limit":15,"rate":0.05,"text":"5% rebate on dining spend"},"entertainment":{"text":"No general rate and no mention of entertainment rate"},"general":{"rate":0,"text":"There is no general rate for the card, only categories included are: petrol, zaobao and SPH newspaper subscriptions, MCST fees, dining, shopping, online spend and spend at buzz. With spend above S$2,000 a bonus cashback rate of 1% will apply on all retail spend, but also above 2,000."},"grocery":{"text":"No general rate and no specific grocery rate given"},"medical":{"text":"No general rate and no specific medical rate given"},"overseas":{"text":"No general rate and no specific overseas rate given"},"petrol":{"limit":"Cashback capped at S$30 (cap shared with Zaobao and SPH newspaper subscription and MCST fees cap)","rate":0.235,"text":"Up to 23.5% savings on petrol"},"shopping":{"limit":15,"rate":0.05,"text":"5% cash rebate on spend at Department Stores"},"telecommunications":{"text":"No general rate and no specific telecommunications rate given"},"transportation":{"text":"No general rate and no specific transportation rate given"},"travel":{"rate":0,"text":"No general rate and no specific travel rate given"},"utilities":{"rate":0,"text":"No general rate and no specific utilities rate given"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","standOut":"10% on newspaper subscriptions, 5% on dining, unlimited 1.5% on all retail spending. ","suppCard":101.65,"toc":"10% on newspaper subscriptions, 5% on dining, unlimited 1.5% on all retail spending. ","type":"UnionPay","waiverMin":0,"waiverYears":2,"active":false,"ratingCategory1":85,"ratingCategory2":90,"ratingCategory3":80,"waiverText":"Waived for 2 years"},{"_id":88,"annualFee":374.5,"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.29,"category":["general"],"cons":"No rewards rate for overseas spending | High income requirement (S$120,000) and annual fee (S$374.50)","description":"An exclusive card with a unique combination of premium travel perks and low but unlimited local cashback.","editorial":{"perks":"Annual fee: S$374.50 (first year waived) | 1% cash rebate on all local purchases | No minimum spend and no caps | Waiver of 1.5% currency exchange fees on overseas transactions | 2 Complimentary lounge access annually","reviewSummary":"BOC Visa Infinite Card is a great option for high local spenders as well as frequent travelers, as it offers 1% unlimited cash rebate on all local purchases, with no min spend and no caps and waiver of currency exchange fees."},"feeText":"S$374.50","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Visa_Infinite_card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=140&p=133&ev=affclk&k=c13117c1d9c7b033"},"name":"BOC Visa Infinite Card","pros":"Unlimited 1% cashback on all purchases in Singapore | Waives 1.5% currency exchange fees on overseas transactions | Great perks like 24-hour lifestyle concierge, Plaza Premium Lounge access for 2","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"entertainment":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"general":{"limit":0,"rate":0.01,"text":"1% unlimited cashback on all local purchases"},"grocery":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"medical":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"overseas":{"rate":0,"text":"This card only has 1% unlimited cash rebate on all purchases in Singapore"},"petrol":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"shopping":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"telecommunications":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"transportation":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"travel":{"rate":0,"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"utilities":{"rate":0,"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 1% earnings on all local purchases, no caps","suppCard":187.25,"toc":"Unlimited 1% earnings on all local purchases, no caps","type":"Infinite","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":80,"ratingCategory2":95,"ratingCategory3":90,"foreignSalary":"NA","foreignSalaryText":"S$120,000"},{"_id":89,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["general","transportation","entertainment","online","dining","shopping"],"description":"Shoppers and commuters will appreciate this card's cashback rates of up to 15%, although rewards can only be spent at Qoo10.","editorial":{"perks":"Annual fee: S$203.30 (first year waived) | 10% cashback on Qoo10 transactions, 15% on public transport| 3% cashback on fast food, entertainment and online spend | 0.3% all other spend | S$70 monthly cap","reviewSummary":"BOC Qoo10 World Mastercard is a good option for frequent Qoo10 shoppers, offering 10% on Qoo10 spend, 15% on public transport and 0.3%. Best suited for those who spend at least S$800 per month."},"feeText":"S$203.30","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-qoo10-world-mastercard-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=143&p=141&ev=affclk&k=abf5ab5c3e826cf9"},"name":"BOC Qoo10 World MasterCard","pros":"Very high cashback of 10% at Qoo10 and 15% on public transportation | 3% cashback in useful categories like online shopping, entertainment, and overseas | Annual fee waived in first year","rating":76.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.03,"text":"3% cashback on local fast food"},"entertainment":{"rate":0.03,"text":"3% cashback on entertainment"},"general":{"limit":40,"rate":0.003,"text":"0.3% on all other spend"},"grocery":{"text":"Assume 0.3% general rate applies here (since no specific mention of grocery category)"},"medical":{"text":"Assume 0.3% general rate applies here (since no specific mention of medical category)"},"overseas":{"rate":0.03,"text":"3% cashback on overseas spend"},"petrol":{"text":"Assume 0.3% cashback on all other spend applies here"},"shopping":{"limit":30,"rate":0.1,"text":"10% cashback on Qoo10 spend"},"telecommunications":{"text":"Assume 0.3% cashback on all other spend applies here"},"transportation":{"rate":0.15,"text":"15% cashback on public transportation"},"travel":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":70},"rewardsType":"cashback","standOut":"10% rebate on Qoo10 purchases & 15% on public transport","suppCard":101.65,"toc":"10% rebate on Qoo10 purchases","type":"MasterCard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"cons":"Max cashback of S$70 per month | Rewards are only redeemable at Qoo10 | Higher annual fee than BOC Qoo10 Platinum","ratingCategory1":80,"ratingCategory2":60,"ratingCategory3":90,"promotions":[{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}]},{"_id":90,"annualFee":32.1,"annualSalary":0,"annualSalaryText":"None","apr":0.29,"category":["general","transportation","entertainment","online","dining","shopping"],"cons":"Max cashback of S$30 per month | Rewards are only redeemable at Qoo10","description":"This card offers students decent cashback on Qoo10 purchases and public transport, but its rewards can only be spent at Qoo10.","editorial":{"perks":"Annual fee: S$32.10 (first year waived)| 3% cashback on Qoo10 spend | 10% cashback on public transport| 3% on local fast food, entertainment, taxis, online, and overseas spend | Monthly cap S$30","reviewSummary":"BOC Qoo10 Platinum Mastercard is a good fit for those who spend at least S$200\/month, earning 3% on Qoo10 purchases, 10% on public transportation and 0.3% on other spend."},"feeText":"S$32.10","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-qoo10-platinum-mastercard-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=144&p=140&ev=affclk&k=93ba6d147601d876"},"name":"BOC Qoo10 Platinum Mastercard","pros":"10% cashback on public transportation, 3% on Qoo10 and other select purchases | Low annual fee and minimum spend requirement","rating":78.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.03,"text":"3% cashback on local fast food"},"entertainment":{"rate":0.03,"text":"3% cashback on entertainment"},"general":{"limit":20,"rate":0.003,"text":"0.3% on all other spend"},"grocery":{"text":"Assume 0.3% general rate applies here (since no specific mention of grocery category)"},"medical":{"text":"Assume 0.3% general rate applies here (since no specific mention of medical category)"},"overseas":{"rate":0.03,"text":"3% cashback on overseas spend"},"petrol":{"text":"Assume 0.3% cashback on all other spend applies here"},"shopping":{"limit":10,"rate":0.03,"text":"3% cashback on Qoo10 spend"},"telecommunications":{"text":"Assume 0.3% cashback on all other spend applies here"},"transportation":{"rate":0.1,"text":"10% cashback on public transportation"},"travel":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":30},"rewardsType":"cashback","standOut":"Low S$200 minimum spend requirement & 10% cashback on transport transactions","suppCard":16.05,"toc":"Low S$200 minimum spend requirement for perks","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":75,"ratingCategory2":60,"ratingCategory3":100,"type":"MasterCard"},{"_id":91,"annualFee":32.1,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["grocery","overseas","general"],"cons":"Highest cashback capped at S$45 & only applies to Sheng Siong | Rules for rewards are slightly complicated | No extra perks or benefits","description":"An excellent 6% cashback on Sheng Shiong groceries plus unlimited cashback on all other spend make this a great option for larger households.","editorial":{"perks":"Annual fee: S$32.10 (first year waived)| 6% cashback on Sheng Siong | 1.5% unlimited cashback on all other spend","reviewSummary":"This is a great card for frequent Sheng Siong shoppers, with up to 6% cashback rate (capped at S$45) and an additional 1.5% unlimited cashback on all other spend."},"feeText":"S$32.10","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-sheng-siong-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=130&p=135&ev=affclk&k=66205df35f8f1d10"},"name":"Bank of China Sheng Siong Card","pros":"Up to 6% cashback on purchases at Sheng Siong | Unlimited 1.5% cashback on all other spend | Low annual fee of S$32.10, waived in first year","rating":80,"rewardsRate":{"categories":{"dining":{"text":"Assume 0.3% rebate on all other spend applies here"},"entertainment":{"text":"Assume 0.3% rebate on all other spend applies here"},"general":{"limit":0,"rate":0.003,"text":"0.3% cashback on all local spend (no cap)"},"grocery":{"limit":75,"rate":0.12,"text":"Up to 12% cashback on Sheng Siong"},"medical":{"text":"Assume 0.3% rebate on all other spend applies here"},"overseas":{"rate":0.016,"text":"1.6% unlimited cashback on all overseas spend"},"petrol":{"text":"Assume 0.3% rebate on all other spend applies here"},"shopping":{"text":"Assume 0.3% rebate on all other spend applies here"},"telecommunications":{"text":"Assume 0.3% rebate on all other spend applies here"},"transportation":{"text":"Assume 0.3% rebate on all other spend applies here"},"travel":{"rate":0,"text":"Assume 0.3% rebate on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% rebate on all other spend applies here"}},"conversion":{"rate":1}},"rewardsType":"cashback","standOut":"6% cashback on Sheng Siong purchases","suppCard":16.05,"toc":"6% cashback on Sheng Siong purchases","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":85,"ratingCategory2":60,"ratingCategory3":95,"type":"Visa"},{"_id":92,"annualSalary":0,"annualSalaryText":"NA","cons":"UOB cards will no longer earn miles for RentHero transactions","description":"Online rent paying service that allows you to earn rewards on your rent payments","editorial":{"reviewLink":"\/renthero-review","tagline":"Good Rent Payment Service That Lets You Earn Rewards","perks":"1.75% service fee per transaction | Compatible with Visa and Mastercard| Earn rewards on rent"},"foreignSalaryText":"NA","has_application":false,"image":"referral_logos\/sg\/apps\/renthero-1.png","isActiveInTools":false,"issuer":"RentHero","link":{"affiliate":"https:\/\/renthero.com.sg\/"},"name":"RentHero","pros":"DBS and Maybank cardholders who want to earn miles on their rent payments","rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}},"rewardsRate.conversion.text":"1.6mi\/S$1"},"waiverMin":0,"waiverYears":0,"active":false,"rating":"90","ratingCategory1":"90","ratingCategory2":"90","ratingCategory3":"90"},{"_id":93,"annualSalary":0,"annualSalaryText":"NA","cons":"Those whose cards offer low rewards rates","description":"Automatic bill payment service that lets you earn rewards from your transactions","editorial":{"reviewLink":"\/cardup-review","tagline":"Good Bill Payment Service That Lets You Earn Rewards","perks":"Annual fee: none, only applicable processing fees | Compatible with Visa, MasterCard, American Express and UnionPay | Earn rewards on rent, electricity, insurance, property and income taxes, can loans |Set up one-off \/ recurring payments, or schedule them in advance|Monitor past and upcoming payments all on one platform"},"foreignSalaryText":"NA","has_application":false,"image":"referral_logos\/sg\/apps\/CardUp_logo.png","isActiveInTools":true,"issuer":"CardUp","link":{"affiliate":"https:\/\/www.cardup.co\/valuechampion"},"name":"CardUp","pros":"Those who have many recurring bills|Individuals who have high credit limits","rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}}},"waiverMin":0,"waiverYears":0,"toc":"Earn rewards on rent, electricity, insurance, taxes and car loan payments","standOut":"Earn rewards on rent, electricity, insurance, taxes and car loan payments","active":true,"rating":"80","promotions":[{"promotion1":"Use the promo code \"VALUECHAMP\" during the \"Schedule Payment\" process to enjoy S$30 off your first CardUp payment. Promotion is valid for payments scheduled between 1 Apr and 31 Dec 2022.","promotionShort":"PROMO: Use promo code \"VALUECHAMP\" to get S$30 off your first payment scheduled on CardUp","expiryDate":"2022\/12\/31"},{"promotion2":"Use promo code \"VCTAX22\" to get 1.75% fees for income tax payment on a Visa card only. Valid until 31 Aug 2022. This cannot be used concurrently with the $30 off promotion.","expiryDate":"2022\/4\/14"}]},{"_id":94,"annualFee":150,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Lower cashback rate than cards with caps or spend requirements | Higher local rewards only apply to dining and clothing shops | S$150 annual fee higher than average","description":"In addition to a custom design, the ICBC Horoscope offers strong cashback both abroad and on local dining and clothing purchases.","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | Unlimited 3% cashback on all spend in foreign currency | Unlimited 2% cashback on select shopping and dining spend in local currency | Unlimited 1% cashback on all other spend in local currency","reviewLink":"\/icbc-horoscope-credit-card-review","reviewSummary":"ICBC Horoscope Credit Card offers up to 2% cashback on purchases in Singapore and up to 3% on purchases abroad with no minimum spend, making it a great option for frequent travelers. With no cashback cap, this card is best for those who spend more than S$3,000 monthly, with some portion in foreign currency as well.","tagline":"Great for Maximizing Cashback at Home and Abroad"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","image":"referral_logos\/sg\/credit_cards\/icbc-horoscope-card-2.jpg","isActiveInTools":false,"issuer":"ICBC","link":{"affiliate":"https:\/\/www.icbc.com.cn\/ICBC\/\u6d77\u5916\u5206\u884c\/\u65b0\u52a0\u5761\u7f51\u7ad9\/en\/CommercialBankBusiness\/CreditCards\/CreditCardProducts\/ICBCHoroscopeCreditCard\/icbchoroscopecreditcard.htm"},"name":"ICBC Horoscope Credit Card","pros":"Unlimited cashback with no spend requirement | Higher cashback rates abroad and at select retailers | Annual fee waived for 3 years","rating":86.66666666666667,"rewardsRate":{"categories":{"travel":{"rate":0.03,"travel.text":"Unlimited 1% Cashback on all spending in local currency"},"utilities":{"rate":0.01,"utilities.text":"Unlimited 1% Cashback on all spending in local currency"},"dining":{"rate":"0.0200","dining.text":"Unlimited 2% Cashback on dining spending in local currency"},"entertainment":{"rate":"0.0100","entertainment.text":"Unlimited 2% Cashback on dining spending in local currency"},"general":{"rate":"0.0100","general.text":"Unlimited 3% Cashback on all spending in foreign currency, Unlimited 2% Cashback on selected shopping and dining spending in local currency, Unlimited 1% Cashback on all other spending in local currency."},"medical":{"rate":"0.0100","medical.text":"Unlimited 1% Cashback on all other spending in local currency."},"overseas":{"rate":"0.0300","overseas.text":"Unlimited 3% Cashback on all spending in foreign currency"},"petrol":{"rate":"0.0100","petrol.text":"Unlimited 1% Cashback on all spending in local currency"},"shopping":{"rate":"0.0200","shopping.text":"Unlimited 2% Cashback on selected shopping spending in local currency"},"telecommunications":{"rate":"0.0100","telecommunications.text":"Unlimited 2% Cashback on selected shopping spending in local currency"},"transportation":{"rate":"0.0100","trannsportation.text":"Unlimited 1% Cashback on all spending in local currency"}},"rewardsRate.conversion.text":"Cashback \/ Rebate"},"type":"Unionpay","waiverMin":0,"waiverYears":0,"active":false,"ratingCategory1":95,"ratingCategory2":75,"ratingCategory3":90,"waiverText":"Waived for 3 years","promotions":[{"promotion":"Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","promotionShort":"","promotion2":"","promotion3":"","promotion5":"Promotion: Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","expiryDate":"2021\/12\/31"},{"promotion1":"No promotion currently being offered","expiryDate":"2022\/12\/31"}],"apr":"0.24","fxFee":"0.0250","latePayment":"40.00"},{"_id":95,"annualFee":150,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general"],"editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | Unlimited 1.6% cashback on local and overseas spend | No cap and no minimum spend","reviewSummary":"If you rarely travel and tend to spend a lot, then ICBC Chinese Zodiac Card is the right choice for you. With its easy-to-use 1.6% cashback with no caps and no minimum spend, you can earn on every purchase you make.","tagline":"Great for Unlimited Cashback"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","image":"referral_logos\/sg\/credit_cards\/ICBC-Chinese-Zodiac-card-2.jpg","isActiveInTools":false,"issuer":"ICBC","link":{"affiliate":"https:\/\/www.icbc.com.cn\/ICBC\/\u6d77\u5916\u5206\u884c\/\u65b0\u52a0\u5761\u7f51\u7ad9\/en\/CommercialBankBusiness\/CreditCards\/CreditCardProducts\/ICBCChineseZodiacCreditCard1\/"},"name":"ICBC Chinese Zodiac Credit Card","promotion":"Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","promotion5":"Promotion: Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","promotion_expiry":{"$date":1640908800000},"rewardsRate":{"categories":{"travel":{"rate":0.016,"travel.text":"Unlimited 1.6% Cashback on all spending in foreign currency"},"utilities":{"rate":0.016,"travel.text":"Unlimited 1.6% Cashback on all spending in foreign currency"},"dining":{"rate":"0.0160","dining.text":"Unlimited 1.6% Cashback on all spending in local currency"},"entertainment":{"rate":"0.0160","entertainment.text":"Unlimited 1.6% Cashback on all spending in local currency"},"general":{"rate":"0.0160","general.text":"Unlimited 1.6% Cashback on all spending in local currency"},"medical":{"rate":"0.0160","medical.text":"Unlimited 1.6% Cashback on all spending in local currency"},"overseas":{"rate":"0.0160","overseas.text":"Unlimited 1.6% Cashback on all spending in foreign currency"},"petrol":{"rate":"0.0160","petrol.text":"Unlimited 1.6% Cashback on all spending in local currency"},"shopping":{"rate":"0.0160","shopping.text":"Unlimited 1.6% Cashback on all spending in local currency"},"telecommunications":{"rate":"0.0160","telecommunications.text":"Unlimited 1.6% Cashback on all spending in local currency"},"transportation":{"rate":"0.0160","transportation.text":"Unlimited 1.6% Cashback on all spending in local currency"}},"conversion.text":"Cashback\/Rebate"},"type":"Mastercard","waiverMin":0,"waiverYears":3,"active":false,"promotions":[{"promotion":"Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","promotionShort":"","promotion2":"","promotion3":"","promotion5":"Promotion: Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","expiryDate":"2021\/12\/31"}],"apr":"0.24","cons":"Lower cashback rate than cards with caps or spend requirements | S$150 annual fee higher than average","description":"Apart from offering designs comprising of the 12 chinese zodiac animals, it also offers unlimited 1.6% cashback with no minimum spend.","fxFee":"0.0250","latePayment":"40.000","pros":"Apart from offering designs comprising of the 12 chinese zodiac animals, it also offers unlimited 1.6% cashback with no minimum spend."},{"_id":96,"annualFee":150,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general","overseas"],"cons":"Cashback expires after 12 months | Specialized cards offer higher rewards in some categories | No extra benefits or perks","description":"This card offers straightforward unlimited cashback on overseas purchases while earning half as much on all local spend.","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | Unlimited 3% cashback on overseas spend | Unlimited 1.5% cashback on local spend | No minimum spend","reviewLink":"\/icbc-global-travel-mastercard-review","reviewSummary":"ICBC Global Travel Mastercard is a great option for frequent travelers, as it offers 3% cashback on foreign transactions with no minimum spend and no cashback cap. In addition, you can earn 1.5% cashback on all SGD transactions.","tagline":"Great Cashback Rate on Foreign Transactions"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","image":"referral_logos\/sg\/credit_cards\/ICBC-Global-Travel-Mastercard-2.jpg","isActiveInTools":false,"issuer":"ICBC","link":{"affiliate":"https:\/\/www.icbc.com.cn\/ICBC\/\u6d77\u5916\u5206\u884c\/\u65b0\u52a0\u5761\u7f51\u7ad9\/en\/CommercialBankBusiness\/CreditCards\/CreditCardProducts\/ICBCChineseZodiacCreditCard1\/"},"name":"ICBC Global Travel Mastercard Credit Card","pros":"Up to 3% unlimited cashback abroad | 1.5% cashback on local transactions | No minimum spend for rewards","rating":85,"rewardsRate":{"categories":{"travel":{"rate":0.015,"travel.text":"Unlimited 1.5% Cashback on all spending in foreign currency"},"utilities":{"rate":0.015,"utilities.text":"Unlimited 1.5% Cashback on all spending in local currency"},"dining":{"rate":"0.0150","dining.text":"Unlimited 1.5% Cashback on all spending in local currency"},"entertainment":{"rate":"0.0150","entertainment.text":"Unlimited 1.5% Cashback on all spending in local currency"},"general":{"rate":"0.0150","general.text":"Unlimited 1.5% Cashback on all spending in local currency"},"medical":{"rate":"0.0150","medical.text":"Unlimited 1.5% Cashback on all spending in local currency"},"overseas":{"rate":"0.0150","overseas.text":"Unlimited 1.5% Cashback on all spending in local currency"},"petrol":{"rate":"0.0150","petrol.text":"Unlimited 1.5% Cashback on all spending in local currency"},"shopping":{"rate":"0.0150","shopping.text":"Unlimited 1.5% Cashback on all spending in local currency"},"telecommunications":{"rate":"0.0150","telecommunications.text":"Unlimited 1.5% Cashback on all spending in local currency"},"transportation":{"rate":"0.0150","transportation.text":"Unlimited 1.5% Cashback on all spending in local currency"}},"conversion.text":"Cashback \/ Rebate"},"type":"Mastercard","waiverMin":0,"waiverYears":3,"active":false,"ratingCategory1":90,"ratingCategory2":75,"ratingCategory3":90,"waiverText":"Waived for 3 years","promotions":[{"promotion":"Every cardholder can enjoy up to 6 DragonPass points per cardholder (up to 6 visits to VIP Lounge at airports, or up to 12 visits to VIP Lounge at the high-speed railway stations), valid until December 31, 2021 (must undergo registration process again in 2021 to enjoy the Global VIP services)","expiryDate":"2021\/12\/31"}],"apr":"0.24"},{"_id":97,"annualFee":150,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["dining","general","overseas"],"cons":"People with budgets below S$2,000 | Consumers looking for a no-fee credit card","description":"Easy Cashback on All Spend","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | 3% cashback on total spend with min S$1,000 capped at S$60\/month | 1% cashback on spend below S$1,000 | No additional fees for transactions made in SGD or RMB | 3% fees for RMB withdrawal in Mainland China | Up to 12% discount at selected restaurants in Singapore","reviewSummary":"With no fees charged on RMB transactions ICBC Koipy Credit Card is a good choice for those who travel often to Mainland China. 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