Can I get someone to explain the term Balance Transfer?

This is probably the only multi-partner loyalty program that allows you to manage your points, exchanges and programmes almost effortlessly. The really try to make rewards programme members really happy.The card allows us to manage rewards points balances and expiring points across participating rewards programmes, all on one single platform. So you can in effect do away with the pain of slow point’s accumulation.

Probably the best Family-Friendly cards out there which is committed to take care of you and your beloved family. If you charge childcare and enrichment programmes to your card, you will get to save up to 35%, and for every S$1 you spent, you will earn 1 OCBC$. You can then redeem your accumulated OCBC$ for Robinsons vouchers, dining vouchers, and more. Alternatively, you can transfer your existing card to OCBC with OCBC balance transfer programme of 0% interest charge for up to 1 year of repayment period. The processing fee will be 1.68% for a 3 months repayment period; 2.50% for a 6 months repayment period; and 4.50% for a 12 months repayment period.

With respect to fees and charges, you will enjoy 2 years annual fee waiver for principal and supplementary cards. Annual fee for main card and supplementary card is S$160.50 and S$80.25, respectively. Sadly if you don’t maintain a good credit history on your card, you will need to pay interest of 25.92% per annum, with minimum charge of S$2.50. If no minimum monthly payment is received by payment due date, you will be charged for late payment, S$100. Minimum monthly payment is S$50, or 3% of your total balance, whichever is greater, plus amounts exceed of the credit limit and/or overdue amounts. Withdrawing cash will charge you S$15, or 6% of withdrawn amount, whichever is greater.

The OCBC Platinum Credit Card is a rewards card that is targeted towards families as it offers special deals and perks on activities, shopping and recreation. The OCBC$ rewards programme allows cardholders to earn 1 OCBC$ rewards point for every dollar spent on this card. Another advantage worthy of note is that these points do not expire for 5 years, and therefore will give cardholders enough time to accumulate points to redeem for rewards that matter.

Introductory annual fee waived for the first two years. You should take advantage of having no principal or supplementary cardholder fees for the first two years of this card after that, the principal cardholder annual fee is $160.50, and the supplementary cardholder annual fee is $80.25. Additional benefits of the card include discounts and offers spanning a wide range of categories from travel to childcare.

OCBC$ rewards programme allows me to earn 1 OCBC$ for every dollar charged to my card. These can be redeemed subsequently for vouchers at a number of stores and malls such as Robinsons, TANGS and Orchard Central. Make the most of the free time with your family engaging in family activities and entertainment discounts For instance, you get to enjoy special discounted rates at Pororo Park Singapore, MasterCard privileges at Adventure Cove Waterpark and S.E.A. Aquarium, movie ticket discounts at Cathay Cineplexes and Shaw Theatres and more.

The AMEX Express Singapore Airlines Solitaire PPS Credit Card gives a First Year Fee Waiver for you to enjoy and also for your supplementary card members. In addition there are no transfer fees and all the KrisFlyer miles you can earn are directly transferred automatically to your KrisFlyer account with no transfer fee. I would recommend this card for these few reasons which could really make the difference.

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.

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

The 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.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

A 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