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POSB Everyday Credit Card
Cash rebates of between 0.3-20% on purchases made
5% cash rebates at SPC
No expiry on the cash rebates earned
5 years Annual fee waiver
Save more with partners like telco, dining, petrol and more
Requirements
S$30,000 Annual income
24% Interest Rate
S$36 Annual fee
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OCBC TITANIUM MASTERCARD
Enjoy benefits from Travel (Hotel discounts, car rentals, etc), Golf, Shopping & Entertainment
Get 2 Year Annual fee Waiver
Convert OCBC$ points to SIA Kris Flyer points
Requirements
S$38,000 annual income
24% Interest rate
S$180 annual fee
2 years annual fee waiver
Benefits
- SAVE S$25 WITH HERTZ WORLDWIDE!
- Complimentary room stays at Mandarin Oriental Hotel Group and other hotels discounts
- Discounted Green fees at premier local golf clubs
- Additional discounts on top of existing site discounts at Caltex service stations
- Discounts on up to 80 retail merchants in Singapore & the region
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Manhattan Platinum Card – Standard Chartered
Get Up to 5% cash rebates*
1 Year Annual Fee Waiver
0% installment plan for $500 and above spends (Selected Merchants)
Get up to 4x monthly salary credit limit with Manhattan Duo
24 Hours Concierge service
Requirements
Min 21 years and Above
Interest Rate as low as 12% p.a
$30,000 dollars Min annual income
Benefits
- Great get Dining and Travel dealsGet $1 SGD OFF any movie and free popcorn set at any Cathay CineplexSpend more then $100 in a single receipt and get to buy 1 for 1 movie tickets (Selected Cineplex)1st 100 to flash Manhattan Card gets Free entry to Velvet every Friday and Saturday (Before midnight)
- Get 1 Free Drink at Velvet or hop to Zouk and Phuture at no extra charge
- Enjoy special discounts when going for manicure and pedicure @ Shanghai Dreams Nails & face Spa
- Get Gym access to Planet Fitness Great World City on any Friday, Saturday or Sunday
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Manhattan Card – Standard Chartered
Get 0.25% cash back rebates
1 Year Annual Fee Waiver
Great card for Students
Requirements
Min 18 years and Above
$500 dollars credit limit
Benefits
- Get $1 SGD OFF any movie and free popcorn set at any Cathay Cineplex
- Spend more then $100 in a single receipt and get to buy 1 for 1 movie tickets (Selected Cineplex)
- 1st 100 to flash Manhattan Card gets Free entry to Velvet every Friday and Saturday (Before midnight)
- Get 1 Free Drink at Velvet or hop to Zouk and Phuture at no extra charge
- Enjoy special discounts when going for manicure and pedicure @ Shanghai Dreams Nails & face Spa
- Get Gym access to Planet Fitness Great World City on any Friday, Saturday or Sunday
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Citi Clear Card – Citibank Singapore
No minimum Income for Tertiary students
S$18,000 Per annum income for Working adults
Interest Rate - 28%
Card Annual Fee – S$28
1 year annual fee waiver
Benefits
- Discounts and benefits at over 900 merchant outlets
- No minimum income required for tertiary students
- Instant account information with a simple SMS
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Live Fresh DBS Visa Platinum Card
Enjoy 2 years annual fee waivers for main card and 1st Supplementary Card
Convert Big Ticket Items into preferred installment plans
Enjoy benefits / discounts from several lifestyle products in Singapore
Earn DBS POints with every $5 spent
Requirements
All applicants must be 21 years and above.
Min. income qualification of S$30, 000 p.a. is required.
For foreigners, min. income qualification of S$45,000 p.a. is required.
$60 dollars annual fee (Waive for 2 Years)
Benefits
- My Preferred Payment Plan – Convert big ticket items to installment plans
- Beauty Discounts at Browhaus, Calvin Klein, Kenneth Cole, Pure Yoga, Strip, etc
- Fashion Discounts at G2000, Crumpler, Ecko Unltd., Fourskin, Revoltage, Salad, etc
- Food & Drinks Discounts at Gloria Jean’s Coffees, n.y.d.c Cafe & Restaurants, Timbre, Zouk, etc
- Other Discounts like Health, Music, Travel and Shopping
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Citi PremierMiles Card
1.2 Citi Miles with every $1 spent
Annual bonus of up to 20,000 Citi Miles*
No expiry of Citi Miles Points
Requirements
- $80,000 annual income
- 24% Interest Rate
- 1 Year Annual fee Waiver
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Citi Platinum Visa/MasterCard
$30,000 Annual Income
24% Interest Rate
Credit Card Fees $150 SGD
3 Year Fee Waiver
Benefits
- Enjoy 5X rewards at department store and supermarkets
- Redeem your Citi Dollars for absolutely anything
- Exclusive privileges on dining, shopping and travel
- Earn Points All Year Round at 5x
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RBS Dil Se Card
The Dil Se Platinum card is specially created by renowned Singapore-based Indian artist Parvathi Nayar. Its a credit card themed towards an Indian Heritage. It brings universal recognition and respect, serving card owners with a lavish ‘thali’ of wide ranging benefits.
Requirements
$30,000
Interest Rate 24%
Card Fee Waiver
Benefits
- Rebate and attractive shopping deals at Mustafa Shopping Centre
- Movie Masti at Screens of Bombay Talkies
- Exclusive dining privileges at a host of Indian restaurants
- Travel benefits such as free travel insurance
- 24-hour Global Concierge Service
- Platinum Rewards Program
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RBS Platinum Card
S$50,000 Per Annual Salary
Interest Rate 24%
Principal Card: S$240 p.a. (Waived for 1st year)
Applicants must be between 21 & 65 years of age
Singapore Citizens & Permanent Residents: Minimum income is $50,000 p.a.
Foreigners: Minimum income is $90,000 p.a.
Benefits
- 50% bonus rewards points for all overseas spending
- Complimentary airport limousine transfer or airport lounge access for the family
- 1-for-1 Dining deals at Pan Pacific Hotel, Sheraton Towers and more
- Your child dines for FREE at nydc Café, Hog’s Breath Café and more
- Discount off admission to Singapore Zoo, Singapore Flyer and other popular attractions
- Supplementary Card: S$60 p.a. (Waived for 1st Supplementary Card)
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RBS Switch Platinum Card
10% rebate* at 10 most popular clubs
Exclusive 0% Installment Payment Plan Deals
No cash advance fee
Lowest interest rate in town (Singapore)
Requirements
- Free for Life
- You must be between 21 & 65 years of age.
- Singapore Citizens & Permanent Residents: Minimum income is S$30,000 p.a.
- Foreigners: Minimum income is $60,000 p.a.
- Interest Rate: 11.8% for the first 3 months and 18% subsequently
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HSBC Gold Credit Cards
$20 Cash Rebate
Two-year annual fee waiver and free supplementary HSBC Gold Credit Card for life
Greater savings at Caltex, Cold Storage and Golden Village cinemas
Amazing dining deals with your HSBC Gold Credit Card
Exclusive home&Away Privileges
Requirements
Min Annual income $30,000 per annum
Interest rate 24% p.a
Free 2 year annual fee waiver
Benefits
- Driving Privileges – Get 12% off petrol at Caltex with your HSBC card
- The Choice Card – Earn Rewards points when you shop at Cold Storage
- HSBC’s Everyday Movie Privileges – Save more than 20% on Golden Village movie tickets with HSBC’s Everyday Movie Privileges Prepaid Card.
- Fund Transfer – Enjoy great savings on interest with fund transfer of 0% p.a. and be rewarded. Upfront processing fee of 2.35% applies.
- HSBC Credit Card Referral Programme – Receive cash rebate or movie tickets when you refer your friends.
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HSBC Platinum Card
Receive a $40 HSBC’s voucher, Golfing and Dining Privileges
Requirements
Min Annual Income: S$50,000
Interest Rate: 24%
Annual Fee: S$180
Fee Waiver: 2 year
Card Benefits
- Golfing privileges at home and abroad plus complimentary Golfers’ Insurance
- Greater Visa rewards with HSBC Platinum card
- Earn Rewards points with income tax payments
- Dedicated 24-hour Hotline
- Exclusive privileges at over 1,800 outlets in Singapore and even more overseas with HSBC Platinum Card Privilege Programme
- Free supplementary cards for your loved ones
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How to Get the Most Out of Your Home Equity Consolidation and Credit Card Loan Consolidation
Our lives today are complicated. One of the hardest parts of living in our modern society is keeping up with bills. Everyone wants to be paid, and we have so many services to pay for. Insurance, car repayments, cable, cell phones, electricity and gas are some of the regular bills we receive. If you are feeling overwhelmed by bills and debt, you will need to do something about it to get your quality of life back.
One way to manage your debts and to even pay them down is to perform a bills consolidation. This is when you gather up all of your debts, whether they be credit card debts, college loans, personal loans or even business loans and you place all of these debts into one large consolidating loan. The benefits to doing this are usually a much lower interest rate and also a lower monthly repayment.
You can perform a pretty straightforward credit card loan consolidation by looking at the details of all the credit cards you have. Find the lowest interest rate across these cards and see if the bank will allow you to transfer all of your credit debt to that one card. If you do your research, you may find that the credit card you have in mind may also have a deal where they want you to roll your debts over to their card and are offering a short term interest free. You will then only have one payment to make per month and you’ll be paying a lower interest rate.
Other credit card providers are offering great deals if you transfer all of your existing credit card balances to them. This can be a good thing if you do it properly, but you need to make sure you don’t apply for everything out there because it will appear on your credit file and reduce your credit score.
One of the best ways to get the most out of your debt consolidation is to use your home as collateral. This is known as a home equity consolidation and you will find you can get much lower interest rates for your debt consolidation. If the bank feel comfortable because the have your home as security in case you default, then they will offer lower repayment schedules over a longer time period, meaning you’ll have access to more cash. With this cash you can pay off your essential bills and keep the wolf from the door. Home loan consolidations are very common and can really help improve your quality of life.
Remember that once you have set up a home equity consolidation or credit debt consolidation loan, you must make sure that you don’t get yourself into the same position again. Don’t spend more than you earn, and use the extra cash that you now have to pay down your debts. You’ll feel better for it.
Good luck with your loan consolidation!
Want information on how to consolidate debt loans, including school loan consolidation and home equity consolidation? Find out more at http://www.consolidatingloan.lifeandmoneyonline.com, where we will provide you with great information, tips and answers to your most pressing questions regarding loans for consolidation. Make the right decisions, gain control over your finances and get your life back on track!
Author: Nicole M Brooks
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HSBC Platinum Singapore Credit Card
HSBC Platinum Card
The HSBC Platinum card is a lifestyle card which enables professional, managers, executives and professionals (PMEBs) to enjoy great privileges at over 1,600 outlets in Singapore and even more Overseas with HSBC priviledge program.
- $40 HSBC’s voucher
- Enjoy the freedom to choose a treat of your choice
- Golfing privileges at home and abroad plus complimentary Golfers’ Insurance
- Greater Visa rewards with HSBC Platinum card
- Earn Rewards points with income tax payments
- Dedicated 24-hour Hotline
- 2 Year Annual Fee Waiver
To apply for the HSBC Platinum card, one would need to earn a minimum of SGD $50,000 per annual. Get a 2 year waiver on annual fees if you apply today, and pay For now, simply make five transactions within a month and you will receive a $40 voucher, redeemable at any of the following merchants from Caltex, Cold Storage, Golden Village, Isetan or Swensen’s. The choice is yours.
What’s best, if you apply online and complete your application within 3 days you will enjoy an additional $15 worth of Isetan vouchers.
Click for more details on the HSBC Platinum Card
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HSBC Revolution Card
The HSBC revolution card is an all-in-one banking programme that meets ones financial needs. The Revolution HSBC credit card comes with personal internet banking that allows you to manage your accounts with a push of a button.
The revolution credit card comes with special privileges like personal line of credit, insurance and investment offers. Besides meeting your banking needs, the Revolution has lifestyle priviledges like free movie tickets per month and taxi discounts.
With so much to offer, why not signup for a HSBC Revolution Today. (All you need is a min income of $30,000 SGD to apply.
Card details
- Free pair of movie tickets every month
- S$1 off taxi fares anytime
- Up to 25% off at MPH
- Visa PayWave
- 2 years annual fee waiver
- Enjoy free entry to Ministry of Sound
- Over 50% discount at Orpheus Dive Scuba Centre
the revolution is armed with Visa’s new PayWave system. This means now you can pay for any items that is less than 100 dollars by simply tapping it. To apply for the Revolution, a minimum of $30,000K SGD per annum income is needed. Interest rate is at 24%
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