Getting your first credit card in Singapore can feel shiok but also confusing when you don’t know which one fits. Choosing the best credit cards for beginners helps you avoid unnecessary fees and unlock real rewards right from the start.
Experts advise that many young Singaporeans risk overspending or falling into debt if they don’t choose wisely. So, you must be clear about your needs and habits.
Know Your Spending Patterns
Think about where you spend the most—on dining, groceries, online shopping, transport, or travel. Matching your card to your lifestyle ensures you get the most value back, whether cashback, miles, or points.
Check Fees and Eligibility
Look for cards with low or no annual fees and pay attention to minimum spend requirements. Also, check the income eligibility—most cards require at least S$30,000 for Singaporeans/PRs.
Reward Simplicity Beats Complexity
Beginners benefit from clear reward structures. Avoid confusing tiered systems. Choose a card that rewards your usual categories consistently rather than a card with difficult-to-hit bonus levels.
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Miles Credit Cards
HSBC Revolution Card
Earn 4 miles per dollar on selected online and contactless spend (until 28 February 2026)
Citi Rewards Card
Earn 4 miles per dollar on online spend and selected retail
UOB Krisflyer Card
Earn uncapped 3 miles per dollar on SIA group spend and 2.4 miles per dollar on dining, online shopping, transport & select travel with min. S$1,000 SIA spend/year.
Cashback Credit Cards
UOB Evol Card
Earn max possible 6.36% cashback on all online and mobile contactless spend and gym, telco, and streaming services
AMEX True Cashback Card
Earn 1.5% unlimited cashback on almost everything
Smart First Step for Your Credit Journey
Once you pick your card, use it wisely—pay in full, stay within your budget, and let good habits help your credit score climb.
Start with one card to avoid overspending or tracking nightmares. Having just one card gives you time to build good habits and a credit history without stress. Are you ready to begin with clarity and confidence?
