I am a student and want to reap extra benefits like air miles when I use my card to pay my school fees, which card will benefit me?

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

As is the case with most unlimited cashback cards, the Amex True Cashback Card is a great cashback card for people who are making hugely expensive life transitions. For example paying for a 5-star hotel wedding banquet or moving into a new home type of purchases would fit perfectly with this card.

Before we get all excited, let’s first try to put the record straight, and that is that you cannot use your credit card to repay your home loan. I find this to be very unfortunately but irrespective, it pays to sign up for a credit card with very relaxed terms & conditions when you’re about to move in to your new home. That is because, apart from home loan repayments, you’re going to be paying for a lot of assorted items like furniture, appliances, renovations, an interior designer, etc. Many of these won’t fall into bonus cashback categories like online shopping, dining or groceries.

It is worthy to note that you can benefit even more from the True Cashback Card when you travel overseas. You get to enjoy an additional 1% cashback on all foreign currency spending with no minimum spending requirements, even through your Welcome Bonus period. In order to enjoy the additional 1% cashback, existing and new card members must register online at amex.co/tcbfcs.

Generally this is a cashback card as you get to enjoy 3% cashback on everything you spend on in the first 6 months up to $5,000. Subsequently, you get 1.5% cashback. At first glance, the cashback rate of 1.5% may not be impressive especially when other cards are offering cashback rates as high as 6% to 9%. But upon closer inspection, cards that offer very high cashback rates usually only do so subject to two conditions; spending in certain categories, and that you satisfy their minimum spending requirements.

While certain cards might limit their generous cashback rate to specific categories for e.g. online purchases only, and/or require you to spend at least $600 a month to qualify for the cashback. In that respect therein lies the American Express True Cashback Card’s real strength, which is their 1.5% cashback rate is offered with no strings attached.

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.