Are you thinking of applying for a credit card for the first time? Think of all the promising perks as a credit cardholder – the convenience, ability to use additional cash, and more. The thought of it seems exciting, right? Show
Then again, having zero credit history is a challenging obstacle – and one that you must work your way around. The consolation is that with determination and persistence (to show you’re a responsible individual), you’ll be looking at a successful card application pretty soon. The table below features a line-up of credit cards that you might want to check out. Credit CardBest for…Amex Platinum Credit CardRewardsSC Unlimited Cashback Credit CardCashbackMaybank Family and Friends Card (with another Maybank Card)Free luggageCiti VISA PremierMiles Credit CardTravel/air milesDBS Esso Credit CardPetrolHSBC Revolution Credit CardEntertainmentANZ Optimum World MasterCardShoppingOCBC 365 CardDining1: American Express Platinum Credit CardBest credit card for: Rewards As a first-timer, you’d have a grand time if your first-ever credit card came with a warm welcome. Do you think so, too? The American Express Platinum Credit Card allows you to choose from two options of rewards. Option 1
Option 2
Other credit card offers:
2: Standard Chartered Unlimited Cashback Credit CardBest credit card for: Cashback Isn’t the sound of a credit card with unlimited cashback good? For first-timers, it must be! The Unlimited Cashback Credit Card offered by Standard Chartered is a top contender as the best card for cashback because it offers UNLIMITED cashback. 1.5% cashback privilege is yours to enjoy with no cap. There’s no minimum spend, too! Other credit card offers:
3: Maybank Family and Friends Card (with another Maybank Card)Best credit card for: Free luggage Did you know that you can receive an extravagant luggage set as welcome bonus when you apply (and get approved) for a Maybank Family and Friends Card along with your choice from all Maybank Cards? Yes, a four-wheel 76cm trolley case and two-piece 70 cm Delsey Belfort Set is yours! The freebies are worth SGD $798! Other credit card offers:
4: Citi VISA PremierMiles Credit CardBest credit card for: Travel/air miles With a Citi VISA PremierMiles Credit Card, if you spend any amount within the first three months of card ownership, you’ll get a reward of 15,000 Citi Miles. If you spend SGD $10,000 within the same period, an additional 15,000 Citi Miles is headed your way. And, if you spend SGD $10,000 on local items, you’ll get 12,000 Citi Miles. New Citi PayAll feature: Earn miles/reward points (depending on card type) when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App. Other credit card offers:
5: DBS Esso Credit CardBest credit card for: Petrol As a DBS Esso Credit Card holder, you’re a superstar at Esso stations! You get petrol savings of up to 19.5% at Esso stations island-wide – no limit, no minimum spend. You get 17% onsite discounts and up to 2.5% Smiles Points. Other credit card offers:
6: HSBC Revolution Credit CardBest credit card for: Entertainment 5x rewards under Entertainment are up for grabs with the HSBC Revolution Credit Card. For every SGD $1 that you spend at entertainment merchants, you’ll get 5 Reward Points. If you visit family KTVs, clubs, bars, and local pubs, you’ll enjoy the big rewards! Other credit card offers:
7: ANZ Optimum World MasterCardBest credit card for: Shopping You’ll get 5% cashback on Shopping with the ANZ Optimum World MasterCard. This includes online stores and fashion boutiques! Other credit card offers:
8: OCBC 365 CardBest credit card for: Dining If you dine out a lot – whether at local or overseas restaurants, the OCBC 365 Card’s cashback promos for dining are best for you. As a first-time credit card holder who dines out regularly, you’d love the idea of getting cashback. On weekdays, for local and overseas dining, 3% cashback is yours. On weekends, you’ll receive 6% cashback on restaurants island-wide! Other credit card offers:
Final Thoughts on Applying for a Credit Card as a BeginnerApplying for a credit card for the first time should be an exciting experience – and it should be a memorable one, too. Credit card companies are just watching their backs – just like you are watching yours. It’s only reasonable of them to be stern during the initial process. So, are you excited to have a credit card? As a beginner, the credit card application process can be intimidating, but as the classic saying goes, “there’s always going to be a first time.” Why not let that first time be NOW? What credit card is good for beginners?Best Credit Cards for Beginners in December 2022. Overall best credit card for beginners. Discover it® Secured Credit Card.. Simple rewards structure. Capital One QuicksilverOne Cash Rewards Credit Card.. Low security deposit. Capital One Platinum Secured Credit Card.. No credit check. ... . Students. ... . International students. ... . Build credit.. How can I build my credit for the first time fast?Here's a look at four important steps that can help you build a solid credit history.. Pay your bills on time and in full. Payment history accounts for just over a third of your credit score. ... . Consider tools to help establish credit. ... . Don't use all your credit. ... . Check your credit once a year.. What is the easiest credit account to get?Secured credit cards are by far the easiest type of credit card to obtain, particularly if you have a poor or limited credit history.
What is the minimum credit score for most credit cards?There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.
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Best credit card for first time credit
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