# The Ultimate List of Credit Card Reviews

Are you overwhelmed by the wide variety of credit card options available in today’s market? With each card promising unique benefits and rewards, it can be difficult to navigate through the myriad of choices. But fear not! We have gathered all our comprehensive credit card reviews in one place to help you make an informed decision that aligns with your financial goals.

## Miles Cards

Let’s start by looking at some of the best miles cards available:

1. Standard Chartered Journey Card: This entry-level rewards card offers extra earn rates for online transport, food delivery, and grocery transactions.

2. OCBC 90°N Card: Both the Visa and Mastercard versions of this card offer 1.3 miles per dollar on local spend and 2.1 miles per dollar on overseas spend.

3. Citi PremierMiles Card: Perfect for casual miles chasers, this entry-level miles card offers a range of benefits.

4. Maybank Horizon Visa Signature Card: With an earn rate of up to 3.2 miles for every dollar spent on dining, petrol, taxi fares, and hotel bookings at Agoda.com/horizon, this is a great entry-level miles card.

5. Amex KrisFlyer Credit Card: Earn air miles directly credited to your KrisFlyer account with this entry-level miles card.

6. UOB Preferred Platinum Visa Card: This rewards card allows you to earn 4 miles per dollar on most of your daily expenses, both online and offline.

7. UOB KrisFlyer Credit Card: Earn KrisFlyer miles with every spend on this air miles credit card.

8. UOB PRVI Miles Credit Card: This entry-level air miles card lets you earn UNI$, UOB’s rewards points.

9. DBS Altitude Visa Signature Card: With a standard earn rate of $1 = 1.2 miles (local) and $1 = 2 miles (overseas), plus $1 = 3 miles (or more) on online flight and hotel bookings, this is a great air miles card.

## Rewards and Cashback Cards

If you prefer to earn rewards or cashback instead of miles, check out these options:

1. Standard Chartered Smart Credit Card: Earn up to 6% cashback on certain types of everyday expenditures with no minimum requirement.

2. Standard Chartered Simply Cash Credit Card: Enjoy 1.5% cashback on everything with no minimum spending and no rebate cap.

3. Trust Credit Card: This rewards credit card offers rewards in the form of NTUC LinkPoints.

4. Citibank Rewards Card: Earn Citi Rewards points, which can be exchanged for miles, when you shop online and offline, take Grab or Gojek rides, or spend on online food or grocery delivery.

5. CIMB World Mastercard: Enjoy unlimited cashback of up to 2% when you spend money on dining, online food delivery, movies, digital entertainment, taxi rides, ride-hailing, automobile, and luxury goods.

6. CIMB Visa Signature Credit Card: With no annual fee, this entry-level card offers 10% cashback for local and overseas transactions in selected categories.

7. American Express Platinum Card: Earn membership rewards points that can be converted into miles, gift vouchers, or used to offset your credit card bill.

8. DCS Diners Club Cashback Card: Get up to 5% cash rebate on all eligible transactions with this cashback card.

9. UOB Absolute Cashback Card: Enjoy a flat cashback rate on all spending without any minimum spending requirements.

These are just a few examples of the many rewards and cashback cards available. Each card offers its own unique benefits and rewards system, so be sure to do your research and choose the one that best suits your needs and spending habits.

## Co-branded Cards

If you’re a loyal customer of a particular brand or shop, consider getting a co-branded credit card to maximize your rewards:

1. DCS Sheng Siong Credit Card: This rewards card offers up to 6% rebates when you shop at the budget supermarket.

2. DCS Don Don Donki Credit Card: Get up to 5% rebate at all Don Don Donki outlets with this rewards card.

3. Citi Lazada Credit Card: Earn up to 10X rewards when you shop on Lazada with this rewards card.

4. Citibank SMRT Card: Enjoy rebates on certain categories when you hit the minimum spend requirement.

5. DBS Esso Card: This petrol discount card offers instant fuel discounts.

6. DBS Takashimaya American Express Card: Earn bonus points and enjoy rebates when you shop at Takashimaya.

## Digital Multi-currency Cards

If you frequently travel or make purchases in different currencies, a digital multi-currency card can be a convenient option:

1. YouTrip Card: Exchange 10 different currencies 24/7 using the app, with 0% transaction fees on the wholesale exchange rate.

2. Instarem Amaze Card: Link up to 5 credit or debit cards to your Instarem Amaze card and earn 1% cashback on top of your linked card rewards.

These digital multi-currency cards offer a hassle-free way to make transactions in different currencies without incurring high fees.

Wrapping Up

With so many credit card options available, it’s important to choose one that aligns with your financial goals and spending habits. Whether you’re looking for miles, rewards, or cashback, there’s a credit card out there that’s perfect for you. Remember to read the fine print, understand the fees and rewards structure, and make an informed decision. And always remember, building passive income is one of the best ways to secure your financial future.

FMS take on credit cards: At FMS, we recommend that our clients invest in dividend funds as a strategy to build passive income. Imagine if you were to invest $48,000 per year for 10 years at a 6% yield. After 10 years, your total portfolio value would be $636,626. And at a 6% yield, you would generate an annual passive income of $38,197. That’s a significant amount of money that can provide financial security and freedom.

Book a call with Ben to learn how to create passive income using dividend funds. Hundreds of my clients have already started. Some of them are making $39,600 per year. [Click here to schedule a call.](https://calendly.com/passiveincomeguy/call-with-ben)


Benjamin Low
Benjamin Low

Benjamin is known as The Passive Income Guy. He has helped hundreds of people to build passive income. He is also a member of the Million Dollar Round Table, and Certified Financial Planner™ (CFP®) and Certified Private Banker (CPB).

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