Promo, Travel, Dining, Shopping

What is April 2017’s Best Credit Card to Hack Your Pocket?

28 March 2017


Is the idea of an all-time universal best credit card is too good to be true?

To the credit card first-timer, or even to a seasoned cardholder looking to grow his or her card collection, navigating the sea of choices can feel both exciting and overwhelming.

The good news is banks are forever competing with one another, piling on bigger and better perks, to attract the most new customers. In other words, more ways for us to hack our pockets and grow our savings.

Used thoughtfully, credit cards don’t only get you more bang for your buck. They can also help you advance your lifestyle goals.

Every credit card has its unique strengths, like cash back on your day-to-day expenses, opportunities for amazing travel freebies, and privileges at the swankiest A-list restaurants to be seen at. But who says you can only pick one?

If you can satisfy the requirements, your ultimate hack to fuller savings and more lifestyle rewards may lie with not one credit card, but a power combo to maximise the credit card promotions offered by different cards and banks.

And what works best for you today might be different tomorrow. Just as you can count on banks to keep upping their product offerings, your lifestyle and needs are likely to evolve over time too.


Some of the best credit cards for different needs:

For the insatiable and glam foodie:

For generous, uncomplicated cash back:

For upcoming big ticket spends:

Amex Platinum Credit Card

Standard Chartered Unlimited Cashback Credit Card 

Citi PremierMiles Visa Credit Card

You’ll love:

  • 50% off when you dine with 1 guest at top-tier hotels like Raffles, Shangri-La, Marriott, St Regis, and W Singapore
  • Earn extra points at Platinum Extra Partners and redeem them as air miles or over 200 rewards in fine-dining, fashion, or electronics

Welcome gifts worth up to $1,500 in total

You’ll love:

  • No cap in your way of more cashback and no min spend
  • Promo 3% cashback on foreign currency spends
  • 1.5% cashback on all other spending worldwide

Welcome $150 Uber credits, $150 Caltex StarCash card or $138 rebate

You’ll love:

  • 42,000 miles within 1st 3 months, including welcome miles, for spending at least $10,000 which you’ve planned to do anyway
  • That’s enough to redeem one round-trip ticket to Maldives or Perth or two round-trip tickets to Bali
  • Access to over 1,000 fancy Priority Pass airport lounges
For the insatiable and glam foodie:

Amex Platinum Credit Card

You’ll love:

  • 50% off when you dine with 1 guest at top-tier hotels like Raffles, Shangri-La, Marriott, St Regis, and W Singapore
  • Earn extra points at Platinum Extra Partners and redeem them as air miles or over 200 rewards in fine-dining, fashion, or electronics

Welcome gifts worth up to $1,500 in total

For generous, uncomplicated cash back:

Standard Chartered Unlimited Cashback Credit Card 

You’ll love:

  • No cap in your way of more cashback and no min spend
  • Promo 3% cashback on foreign currency spends
  • 1.5% cashback on all other spending worldwide

Welcome $150 Uber credits, $150 Caltex StarCash card or $138 rebate

For upcoming big ticket spends:

Citi PremierMiles Visa Credit Card

You’ll love:

  • 42,000 miles within 1st 3 months, including welcome miles, for spending at least $10,000 which you’ve planned to do anyway
  • That’s enough to redeem one round-trip ticket to Maldives or Perth or two round-trip tickets to Bali
  • Access to over 1,000 fancy Priority Pass airport lounges

In the end, the best credit card for you is the one you’re comfortable with. No matter what rewards are promised in return for your spending, no reward is worth busting your budget. You’re the boss, not your credit card.


THIS ARTICLE RECOMMENDS

American Express Platinum Credit Card

American Express Platinum Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $20 cash upon getting your card, even for existing Amex cardholders
BANK PROMO
  • Samsonite Sigma 76cm expandable spinner luggage worth $600
  • B&O Play H5 wireless earphones worth $379
  • 2D1N stay at Dorsett Singapore worth $506.11
  • Plus $20 CapitaVoucher for a supplementary card
Finty Rewards $
  • Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Dining, nightlife, golf, and travel privileges like a boss 
  • Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Dining, nightlife, golf, and travel privileges like a boss
  • Earn up to 10 points per $1.60 spend at partner merchants like TungLok, Peony Jade, Brussels Sprouts and more
  • Exclusive dining privileges all around the world, 1-for-1 deals and amazing discounts
  • Up to 50% off at a hand-picked list of prime restaurants like Angelina, Dancing Crab, Lawry's The Prime Rib, The Marmalade Pantry, Senso Ristorante & Bar, and TWG Tea
  • Up to 50% off at top hotel dining destinations like Conrad, Four Seasons, Marriott, St Regis, and W Singapore 
  • 15% SPC petrol discount (10% SPC&U card and 5% Amex card)
  • Earn up to 10 points per $1.60 spend at partner merchants like Hour Glass, Montblanc, Lee Hwa Jewellery and more
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Plus up to 20% discount across major brands & retail outlets
  • Min annual income of $50,000 for citizens/PRs or $60,000 for foreigners
  • Annual fee is $321 for principal card but supplementary card is free
  • Bank promo is only applicable to new Amex Platinum cardholders with min $7,500 spend within the 1st 6 months
  • Bank promo $20 CapitaVoucher for each approved supplementary card, up to 2 cards

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $50 cash upon getting your card, even for existing Standard Chartered cardholders
BANK PROMO
  • $138 cashback, no min spend ($20 for existing Standard Chartered cardholders)
Finty Rewards $
  • 1.5% cashback on all spending worldwide
  • No cap in your way of more cashback and no min spend
  • Additional 20% rebate on Uber rides worldwide
  • Card doubles up as your ez-link with auto top-up
  • Yes please to exclusive retail, dining, entertainment, travel, and hotel privileges
  • 1.5% cashback on all spending worldwide
  • No cap in your way of more cashback and no min spend
  • Cashback is auto credited to you
  • Additional 20% rebate on Uber rides worldwide 
  • Exclusive dining privileges, 1-for-1 Dining Privileges at Oscar’s, Conrad Centennial Singapore, The Courtyard, The Fullerton Hotel Singapore, The Line, Shangri-La Hotel, Singapore and more
  • 1.5% cashback on all spending worldwide
  • No cap in your way of more cashback and no min spend
  • Up to 21.04% Caltex petrol discount (16% instant discount, 4.5% Standard Chartered rebate after, and 1.5% cashback)
  • 1.5% cashback on all other spending worldwide
  • No cap in your way of more cashback and no min spend
  • Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
  • Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
  • Bank promo is only applicable to new Standard Chartered cardholders who apply online and activate the card within 60 days, existing ones get $20 rebate instead
  • Cashback is not eligible for banking fees, charges and services, tax and insurance payments, or top-up of prepaid cards and accounts (except EZ-Reload)
  • Earn max $50 rebate from Uber with min $900 retail spend each month

Citi PremierMiles Visa Card

Citi PremierMiles Visa Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $10 cash upon getting your card, even for existing Citi cardholders
BANK PROMO
  • 30,000 miles
Finty Rewards $
  • Earn 2 miles per $1 overseas spend and 1.2 miles per $1 local spend
  • Miles won’t expire on you
  • Access to over 1,000 airport lounges with Priority Pass membership
  • Up to $1 mil travel insurance coverage is awesome
  • Redeem miles at over 60 airlines and 8,000 hotels
  • Up to 10% rebate at over 500 merchants
  • Earn 2 miles per $1 overseas spend and 1.2 miles per $1 local spend
  • Miles won’t expire on you
  • Redeem miles at over 60 airlines and 8,000 hotels
  • Convert 1,200 miles to $10 rebate
  • Bonus 10,000 miles upon card renewal
  • 14% Esso petrol discount (5% at site, 5% with Esso Smiles card, and 4% with Citi card)
  • Up to 16% Shell petrol discount (5% at site, 5% with Shell Escape card, and 6% with Citi card)
  • Min $50,000 annual income to be eligible
  • Annual fee of $192.60 for principal card but supplementary card is free
  • Bank promo is only applicable to new Citi cardholders
  • Get bank promo 15,000 miles when you use your card in the 1st 3 months, and get the other 15,000 miles only if you spend min $10,000 in the 1st 3 months 
  • New Citi cardholder is someone who doesn’t have an existing Citibank credit card or did not previously cancelled one in the last 12 months
  • Priority Pass membership is free for the principal cardholder only, expect to apply for it, enjoy 2 free lounge visits each year
  • Free travel insurance only when your air ticket is charged to your card
  • Rebates at merchants (aka Citi Rebates) offset your next purchase at any participating merchant, with no expiry or cap
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