My son just turned 21 years, what are the highlights of an NTUC/OCBC Plus! Visa Credit Cards? My husband and I want to gift him one.

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.

I get great discounts when I do grocery shopping at the supermarket and would like to recommend this card to others to give it a try. I encourage you to look out for the usually good rebates, discounts and promotions. Basically numerous benefits that suit different people and lifestyles.

I like this card as I can earn rebate from NTUC all at the same time. I hope and look out to more rebates from them for this card in the near future. Usually they have a lot of discounts, link points and rebates when use in Fairprice supermarkets. A very important card for folks like me who frequent AMK hub NTUC Extra.

With the NTUC Plus! Visa Credit Card you need to spend a minimum of S$400 monthly anywhere outside of FairPrice to qualify for it and up to 12% off at FairPrice Stores, Unity and Warehouse Club and up to 8% off at FairPrice. The perks are extremely good for working adults. I highly recommend this credit card especially also as overdue payments can be easily waived with just a phone call away.

The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.

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.

Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.

I 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.

Unfortunately, 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.

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.