5 Credit Cards You Should Get

When deciding whether to apply credit cards or card, the biggest problem one faces is options. There are tons of cards in the market. Which one do you choose and why?

Like most things in life, owning credit cards have their pros and cons. First of all, let’s just list those out for you before we get into specific cards I recommend.


  1. Getting what you want immediately without worrying about cash… yet
  2. Some places offer 0% interest rate installment plans so you can spread out your payment for a $11k Rolex over 24months
  3. While you charge items to your cards, you can earn rebates, cashbacks, points and even frequent flyer miles
  4. In the event that you do so ever lose your wallet by some cruel act of God, and inform the relevant banks ASAP, you’ll get your money back (assuming if any was spent). Do note that it cannot be due to your negligence that you lost your wallet though or the cost will all be on you.
  5. Helps you to be mindful of your spending (I started an excel sheet to keep track of my spending ever since I started using credit cards)


  1. It’s obviously a form of borrowing money and we all know that one friend who’s always in debt. Don’t be that friend. If you’re not disciplined, you’ll find yourself spending more than you earn and then you’re screwed.
  2. If you don’t pay the full sum that you “borrowed”, you’ll be charged a whopping and insane interest rate on the balance left over
  3. ALL cards have an annual fee that you will have to pay upon your 2nd year prior to activation (the first year charges are usually waived). They range from about $160 to $200 a card so imagine if you have 7 cards

Still think a credit card is for you? Well read on to see which one of my recommendations suit your needs.

 credit card for dining UOB YOLO

UOB YOLO card (Love this card!)

The good:

  • Dining deals with more than 3000 restaurants
  • Exclusive 1 for 1 deals
  • 8% Weekend dining and entertainment cash rebate
  • 3% Weekday dining and entertainment cash rebate
  • 1 for 1 weekend movie tickets @ Cathay Cineplexes
  • 10% rebate @ Cathay Cineplexes
  • Priority queue, free access and 1-for-1 deals at selected clubs and bars including Zouk, Kyo, Timbre and more (Yasssss)

The bad:

  • You need to spend a minimum of $600 a month to trigger the 8% and 3% cash rebates. If you spend lower than that, you’ll only get 0.3%
  • High Annual fee of $192.60

 credit card for Uber Standard Chartered Manhattan World MasterCard

Standard Chartered Manhattan World MasterCard

The good:

  • The preferred card for all your Uber transactions
  • Get 20% cash rebate on all your Uber rides globally
  • 26.64% fuel savings at Caltex
  • For first time applicants, get $150 worth of Uber credit or $150 Caltex StarCash card or $138 Cashback + $30 Cashback in Apple/Android/SamsungPay

The bad:

  • Minimum spend $600 to trigger the 20% cashback for Uber rides
  • I use this card mainly for Uber and Uber alone. The only reason I would charge something else to this card is to hit the $600 minimum spend

 for Shopping Citibank Rewards credit card

Citibank Rewards Card

The good:

  • 10X Rewards Points for every $1 spent on retail or online shopping
  • 20X Rewards Points for every $1 spent on Amazon
  • $1 on all other transactions is 1 Citi Dollar
  • This is the pure shopping card and a must have if you engage in a lot of retail therapy

The bad:

  • Pretty steep annual fee of $192.60 but I would say it’s worth it

 Credit Card for Travel American Express Singapore Airlines KrisFlyer

American Express Singapore Airlines KrisFlyer Credit Card

The good:

  • Singapore Airlines Krisflyer Miles program is directly linked to your card
  • If you do not have a Krisflyer account, AMEX will set one up for you
  • 5000 bonus miles when you charge your first transaction to this card
  • 3000 bonus miles when you spend $700 within the first 6 months upon Card approval
  • 500 bonus KrisFlyer miles on your first Grab booking and receive a 20% rebate on every Grab ride
  • $1 spent is 1.1 Krisflyer miles (local)
  • $1 spent is 2 Krisflyer miles (overseas but only in the months of June and December and for purchases made at singaporeair.com, silkair.com, KrisShop and SilkAir SkyShop)
  • Enjoy free Travel Inconvenience & Travel Accident Benefits of up to S$350,000 when you purchase your travel tickets with you card

The bad:

  • Quite a number of merchants don’t accept AMEX anymore
  • I use this for overseas trips and Grab rides mainly

DBS Altitude Visa Signature Card

The good:

  • $1 = 1.2 miles (Local), 2 miles (Overseas), 3 miles on all online Flight and Hotel transactions
  • 10,000 bonus miles upon paying annual membership fee

The bad:

  • Miles are awarded in DBS points
  • There’s a conversion fee of $25 whenever you want to convert your DBS points to miles
  • I don’t find myself using this card very often but it’s a good card to have because when you pay the annual fees, you get 10,000 miles. Which is still pretty worth it in my opinion (you’re paying about 2 cents for 1 mile)


Get them too: from left to right, UOB YOLO Card, Standard Chartered Manhattan World MasterCard, Citibank Rewards Card, American Express Singapore Airlines KrisFlyer Credit Card, DBS Altitude Visa Signature Card


Credit Cards You Should Get




Written by James
James is writing about himself now. James is not shy. Be like James. Graduated in 2014 from The University of Western Australia with an Arts Degree (Marketing, Media & Communication Studies). James spent many a day dreaming that he would strike the lottery and “chill out” the rest of his life but as of present, he’s still dreaming. He has a day job though! James is not a bum. Besides being a narcissist, James is more a glutton, he loves food and reviewing food but peas will always be the worst he says. However, if you must know, he was a contributor to a food magazine prior to his current full-time job so trust James.