3 Best Credit Cards for Students In Singapore

In my day, students had allowances of $8. And those were the rich kids. Our mobile phones was two soup cans connected by string. When we broke bones, we set them with super glue because the doctor was too expensive. And schoolbags were made of buffaloes, which we wrestled to death with our bare hands. Apparently, kids today are lot less independent, and need credit cards to buy things. Well, because I have mercy, I’ll make a concession. Here are the best cards for Singapore students:

 

 

E-Vibes Card

The qualification for an E-Vibes card is as follows: Can you write your name? Yes? Well done, you’re qualified. This card was made for students; there’s no income requirement. It’s also one of the best entertainment cards in Singapore, because the only thing better than getting smashed is getting smashed on credit. Features include:

  • Cheap movies
  • Discount drinks at clubs and pubs
  • Rewards program with shopping vouchers
  • No income requirement
  • No annual fee

The card gives you 1-for-1 movie tickets at WE Cinemas, before 6pm. Perfect for dates and missing lectures. At Cafe Del Mar and Yellow Jello, the card gets you a 1-for-1 deal on swill house pours, spirits, and beer. Also, you get into the priority queue at Lunar, where the bouncers have biceps wider than a hog’s bottom.

The rewards program gives you tr’eats dollars (no idea why it’s spelled like that). $1900 nets you $10 tr’eats dollars, which can spent at malls like Tangs and Mustafa Centre.

 

Standard Chartered NUS $500 Credit Card

Did you know if someone bombed NUS, the world’s nerd population would drop by 99%? NUS students are like…going to be my bosses forever. Damn. Anyway, the creatively named Standard Chartered NUS card is aimed at NUS students. There’s no income requirement, and it caters to the uni student’s bottomless appetite. Advantages include:

  • Shopping discounts
  • Enough dining discounts to redefine “morbid obesity”
  • Rewards program
  • No requirement
  • Only $30 annual fee

The shopping discounts on this card are underrated. At stores like Mayer, you get an 8% discount store wide. Linen Home and GNC gives you 10 – 15% off selected items, but this is mostly everything they have.

Dining is where this card excels; there are blanket 10-15% discounts in places like Carnivore and Thai Accent. And the hundred off restaurants covered aren’t cheap places either; BLU and Le Baroque are on the list. Why get obese with TV food when you can do it with pate and cheese platters?

The rewards program gives you one point per dollar spent. That’s easy to calculate, and you can cash in fast. Rewards range from discounts at Hagen Dazs to Isetan vouchers.

 

Citi Clear Card

As the name implies, the Citi Clear Card is jet black and opaque. Who the hell names these things? Probably a bunch of guys who spent half their business degree on a bar room floor. And, who empathize with the drinking habits of tertiary students (ranges between “too much” to “chunks of my liver are in this glass”). Anyone, however drunk or broke, qualifies for this no-income requirement card. Advantages are:

  • Drink discounts to get you smashed out of your skull
  • Food discounts so your waistline can race students with the NUS card
  • Good rewards program
  • No requirement
  • One time annual fee of $28

Practically every discount on the “clear” card is related to alcohol. I’m not kidding. 1-for-1 drinks at Zouk, 10% off the total bill at Wala, 15$ discount at Beer Market…I suspect the card holders’ visions are anything but clear. So, get it if you drink.

The dining benefits are comparable to the NUS card. While there’s a similar range of restaurants, the Clear card’s discounts are, uh, less clear (I’m starting to think it’s ironically named). At Din Tai Fung, for example, the 10% discount only applies between 3 – 5 pm. At Coffee Club, you get 10% off if you spend up to $15, and 15% off if you spend $30. There are a lot of conditions, even if the discounts are decent.

The rewards program is also close to the NUS card. It’s one point per dollar, and you can cash in for bonus miles, food vouchers, and movie tickets.

 

Get the Cards

To compare more viable cards, go to SmartCredit.sg. This free to use site has information on all local credit cards. Simply enter a preferred category (e.g. entertainment or dining), enter your income requirement, and you’ll have a list of the best matching cards.

Drag the cards onto the sidebar, and you’ll be able to make one-to-one comparisons. You can also apply for the cards directly through the site.

Image Credits:
Pink Sherbert Photography, Images_of_Money

Do you have a student credit card? Comment and tell us about it!

Get more Personal Finance tips and tricks on www.MoneySmart.sg

Click to Compare Singapore Home Loans, Car Insurance and Credit Cards on our other sites.



More From MoneySmart

Editor’s note:Yahoo Philippines encourages responsible comments that add dimension to the discussion. No bashing or hate speech, please. You can express your opinion without slamming others or making derogatory remarks.

  • Fight vs online libel goes to the UNHCR Ederic Eder, Yahoo! Southeast Asia - The Inbox
    Fight vs online libel goes to the UNHCR

    Commentary By Ellen T. Tordesillas Last Tuesday, while in Baguio City for their summer session, the Supreme Court denied all the Motions for Reconsideration on Online Libel which it upheld in its Feb. 18, 2014 decision. It will be recalled … Continue reading → …

  • Book chronicles efforts for PWD-friendly polls VERA Files - The Inbox
    Book chronicles efforts for PWD-friendly polls

    By Melissa Luz Lopez, VERA Files A lot have been done but much still need to be done for a hassle-free  participation of  Persons with Disabilities in elections,according to a book published by The Asia Foundation (TAF) and supported by … Continue reading → …

  • The other side of Palawan Ellen Tordesillas, Contributor - The Inbox
    The other side of Palawan

    By Ellen T. Tordesillas Mention Palawan and what comes to mind are Underground River and El Nido in the northern side of this richly-blessed province from its capital, Puerto Princesa. Three weeks ago, we went to the southern side- in … Continue reading → …

POLL
Loading...
Poll Choice Options