I would like to know the interest Rates based on annual income for the OCBC ExtraCash Loan. I have an annual income that is between S$20,000 - S$45,000.
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InvestmentI have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.
American Express Singapore Airlines KrisFlyer Ascend Credit Card / American Express International
InvestmentUnfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.
HSBC Advance Credit Card / HSBC Bank Singapore
InvestmentA 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations
HSBC VISA Platinum Credit Card
InvestmentOCBC 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.
FRANK Credit Card / Oversea-Chinese Banking Corporation
InvestmentThe Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.
Citi Prestige Card / Citibank Singapore
InvestmentSo it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.
OCBC Robinsons Group Credit Card / Oversea-Chinese Banking Corporation
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EasiCredit as a standby line of credit offers you the flexibility of choosing how long and how much you would like to repay on your outstanding balance. The have a prevailing interest rate of 29.8% p.a. You can expect to pay a minimum repayment which should be about 5% of outstanding amount or $50 depending on which is higher with a maximum credit limit two times your monthly salary. The monthly minimum repayment amount shall include any amounts above your approved credit limit and any overdue payments in respect of the Account. The monthly minimum repayment amount is not applicable to Cash-on-Instalments. Be warned that if the minimum payment to your EasiCredit account is not received by OCBC bank by the payment due date, the prevailing interest rate applicable to your outstanding amount(s) may increase to up to 36% p.a.