Saving up/Spending and get the maximum out of it
1. Earn Points while you spend
When spending is required, get the best out of it. Unless you are buying something that does not allow the use of Visa, else you can look at UOB debit/credit cards.
For students
Don't worry about having to open a saving account with a balance of $500. With UOB, you can apply their UOB campus card with a minimum of $100. (What I do not know is whether do you have to maintain the $100 but you can always asked them to verify these details). It is a Visa debit card (that means you will have to have the $ inside your account before you can do your shopping). where can earn points, where you can redeem the point for vouchers and their redemption categories and items
UOB Visa Campus Debit Card
Pros:
Minimum of $100 deposit
Earn points while you spend and redeem vouchers
Cons:
Sufficient funds to be in your account when you make payment
2. Getting higher interest even with normal savings account
As you know, most Savings account are offering 0.25% per annum interest.
Standard Chartered E-Savers
Pros:
0.8% per annum
Interest is credited to your account monthly instead of yearly
Cons:
2~3 working days for transfer of fund
$5 charges for withdrawal of fund from counters
Cardless and bookless, you only have a few documents to prove your account existence.
3. No minimum income credit card
This card that I am referring to, is the Citibank Clear Card offered by Citibank. Students and NSFs are all eligible to apply.
What you can enjoy:
"Citi Clear Card keeps up with your pace of life, offering you privileges around the clock. Enjoy privileges and discounts at over 600 merchant locations, from the hottest nightspots to coffee chains or cinemas to music and book stores." Source
Let me see whether I can find more...
When spending is required, get the best out of it. Unless you are buying something that does not allow the use of Visa, else you can look at UOB debit/credit cards.
For students
Don't worry about having to open a saving account with a balance of $500. With UOB, you can apply their UOB campus card with a minimum of $100. (What I do not know is whether do you have to maintain the $100 but you can always asked them to verify these details). It is a Visa debit card (that means you will have to have the $ inside your account before you can do your shopping). where can earn points, where you can redeem the point for vouchers and their redemption categories and items
UOB Visa Campus Debit Card
Pros:
Minimum of $100 deposit
Earn points while you spend and redeem vouchers
Cons:
Sufficient funds to be in your account when you make payment
2. Getting higher interest even with normal savings account
As you know, most Savings account are offering 0.25% per annum interest.
Standard Chartered E-Savers
Pros:
0.8% per annum
Interest is credited to your account monthly instead of yearly
Cons:
2~3 working days for transfer of fund
$5 charges for withdrawal of fund from counters
Cardless and bookless, you only have a few documents to prove your account existence.
3. No minimum income credit card
This card that I am referring to, is the Citibank Clear Card offered by Citibank. Students and NSFs are all eligible to apply.
What you can enjoy:
"Citi Clear Card keeps up with your pace of life, offering you privileges around the clock. Enjoy privileges and discounts at over 600 merchant locations, from the hottest nightspots to coffee chains or cinemas to music and book stores." Source
Let me see whether I can find more...
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