Best Visa credit card: TD® Aeroplan® Visa Infinite* Card: Up to 20,000 points and a bonus Buddy Pass, annual fee rebated in the first year, offer ends May 30, 2021 : $139 * Personal: $60,000 * Household: $100,000: Best cash back Visa credit card: Scotia Momentum Visa Infinite: 10% cash back in the first 3 months, first year free : $120 Standard Chartered Priority Banking Visa Infinite Card. 4.3. Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. Aside from that, we’re also here to share our picks for the most prestigious credit cards in Singapore. It’s so exclusive that most information about it is undisclosed, including the required minimum income and penalty fees. Cardholders earn 1.6 miles per S$1 locally and 2 miles overseas, with an added 100,000 miles bonus … Owners will receive an all-year pass to golf courses across the Asia Pacific region. Those perks include faster immigration clearance at some of Singapore’s airports, Hilton Honors gold membership, and unlimited access to over 700 VIP lounges at airports across the world. Get cash when you need it. Finally, Maybank FC Barcelona is one of the few unlimited cards with a fee-waiver; cardholders who spend S$10,000/year are exempt. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. If you’re chosen, then you’re one of the few lucky ones who will get to know its exclusive perks. After all, this was a product meant for the top 0.1% in Singapore. As such, it's easy to switch between miles and cashback depending on preference or needs. However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. The OCBC Premier Banking Visa Infinite card is made of plastic, as opposed to the metal-clad VOYAGE. Who doesn’t love private yacht parties, right? It offers more benefits and perks than the standard, gold, or even premium credit cards. If you’re looking for a black credit card that can be within your reach a few years from now, then look no further than OCBC Elite World Card. Minimum income requirement isn’t disclosed but a history of $250,000 and above in spending is required. 4. Earning Rate (per S$): 1 mile with possibility to earn more miles per month based on banking relationship balance with the bank. While OCBC Voyage Card has a rather high S$488 fee, it also comes with a variety of luxury travel privileges that make up for this cost. While competitors tend to stick to the basics, SC Unlimited Cashback Card is SimplyGo functional and offers cardholders up to 21% fuel savings at Caltex. As expected, qualifying for the American Express Centurion Black Card isn’t going to be easy. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Earn 3X points on travel immediately after earning … There isn’t a lot of available information about the Citi Ultima online, but what we know is that it’s one of the hardest credit cards to get in Singapore. The UOB Visa Infinite Metal Card comes with an annual membership fee of S$642 (inclusive of GST), which includes a package of UNI$12,500 (equivalent to 25,000 miles at UNI$1 = 2 air miles redemption rate, which the Cardmember needs to redeem himself/herself via UOB Rewards Programme. When the original UOB Visa Infinite Card first launched back in 2003, it carried an income requirement of S$350,000, making it one of the most exclusive cards in Singapore.. Fast forward a decade and a half and its descendant, the UOB Visa Infinite Metal Card, has an income requirement of “just” S$150,000– still substantial, but not as high as it used to be. You need to have at least an annual income of S$$500,000 or total assets of $3 million under your name. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. Altogether, high spenders can enjoy more than just unlimited earning potential with SC Unlimited Cashback Card–they can also take advantage of a variety of transport benefits, whether they’re commuting, driving, or booking a private hire. Owners who book a business class flight on any airline using the OCBC Elite World Card will receive a cash rebate worth 50% of the total purchase. It may have slightly lower requirements for owners than others but its privileges surely don’t disappoint. Imagine receiving a total of 100,00 air miles that can be converted to multiple free flights, on top of having  unlimited access to more than a thousand airport lounges worldwide. The Visa Infinite branding is exclusively awarded to cards that offer a lot in terms of travel and lifestyle benefits, and the Standard Chartered Visa Infinite Credit Card clearly qualifies. If other credit cards can only cover a single person for flight upgrades, consider this one different! Cardholders are given a free yacht hire, 6 airport lounge visits per year, free travel insurance, Hertz Asia privileges, regional golfing privileges and more. The annual fee for Maybank Visa Infinite Card will be automatically waived with a total minimum spend of S$60,000 per annum. Reign in the DBS Insignia Visa Infinite, OCBC Elite World and UOB Reserve too. It’s all in one card. Check them out below to know the privileges that come with each one, how you can qualify for them, and fees that need to be settled. Overall, this card is perfect for higher spenders with an Advance account because while there’s a monthly cap, it’s very high, and the rebate rate is more than double that offered by unlimited cashback cards. Please enter your 16-digit Visa card number. Meanwhile Citi Prestige … 4. Obviously, black credit cards have higher annual fees compared to all the other types. Ultimately, this is the best card for very wealthy local spenders looking to maximise cashback. We were able to gather valuable information that will make more people wish it was their credit card. Required minimum income varies depending on the bank and card, but it’s safe to assume that you need to have a net worth of either millions or billions to qualify for them. To make things easier, our research team closely analysed 100+ credit cards in Singapore to identify the best unlimited and high-cap cashback cards, as well as miles-earning cards with the most exclusive perks. Annual fee: $321. Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost. However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges. Worth about s $ 60,000 per annum a particularly perks-driven card, consumers can also enjoy a few like... Another exclusive benefit that comes with endless exclusive travel perks that will make more people wish it their! The HSBC Visa Infinite card will be assigned a lifestyle relationship manager who will keep track your! 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