Photobucket

ABN AMRO Platinum Card
The ABN AMRO Platinum Card gives you access to a wealth of ideas that elevate your every experience. No matter what you set your sights on - golf, travel, club access, dining, health or wellness - a plethora of privileges, rewards and premier services await you. Complimentary golf and buggy at Keppel Club and Sembawang Country Club. Complimentary airport limousine transfer or airport lounge access. Up to S$500,000 travel insurance coverage. Access 24-hour global concierge services. Enjoy emergency home and vehicle assistance services. Exclusive healthcare and wellness privileges. Rewards Points are valid for 5 years. Complimentary MoneyLine with no annual fee.

ABN AMRO Switch Platinum Card
Switch to the card that offers lower interest rates. A smarter way of thinking that cuts credit card charges down to size. This is the only platinum card that offers you 18% p.a. interest compared to 24% p.a. for most other cards. No cash advance fee. No annual subscription fee.

ABN AMRO Dil Se Platinum Card
A credit card that reflects your Indian heritage - the Dil Se Platinum Card. Featuring "Firelight" - which is specially created by renowned Singapore-based Indian artist Parvathi Nayar. It's a card that brings universal recognition and respect, serving you a lavish 'thali' of wide-ranging benefits. Free travel insurance. Discounts on hotel accomodations in India. Benefits that reflect Indian heritage. 24-hour Global Concierge Service. Platinum Rewards Programme.

ABN AMRO Personal Card
The Personal Card offers you unparalleled opportunities to indulge, travel, and enjoy the finer things in life - all with greater freedom and choice. Special travel deals. 24-hour global concierge services, home emergency and vehicle assistance hotline. Rewards Points are valid for 3 years. Enjoy 3-year annual fee waiver for yourself and supplementary cardmember. Complimentary MoneyLine with 1st year annual fee waiver.

American Express Platinum Card
Ultimate recognition and exclusive excess the world over. The very first and original Platinum Card ever created by American Express, the Platinum Card is available exclusively by invitation only. A membership for the true Global Elite, we have had the privilege of offering it to only our most valued Card members around the world. Platinum service. Platinum travel. Platinum wining, dining and entertainment. Platinum access. Platinum membership rewards. Platinum golf. Platinum health and wellness.

American Express Platinum Reserve Credit Card
Designed for select individuals. The American Express Platinum Reserve Credit Card will elevate you to a new level of premium experiences that are unsurpassed in their refinement. Platinum Country Club privileges at Raffles Country Club and Keppel Club. Double your indulgence with 10 + 10 Times Membership Rewards. Platinum Luxury Yachts to call your own. Platinum Luxury Villa Getaways with 1-for-1 Night Stays. Platinum Wine Club vintage benefits and complimentary wine vouchers worth S$250. Feed at Raffles membership worth S$388. Complimentary golf all year around. Health and Wellness benefits. Platinum Nightlife.

American Express Platinum Credit Card
Experience the vibrant new Platinum life today. The American Express Platinum Credit Card offers you exciting benefits and exceptional savings at Singapore’s most vibrant entertainment zones. Whether you’re clubbing, dining, or just chilling out, you can enjoy the Platinum Life every day and every night, all year round. Platinum Nightlife. Receive priority treatment and great savings at the cinemas. Chill out with fantastic deals on your favourite music and sound systems. Complimentary spa, gym and yoga. Platinum Dining. Platinum Golf. Platinum Rewards. Platinum Financial Benefits. Platinum Privileges.

American Express PPS Club Platinum Credit Card
Welcome to the only Credit Card designed exclusively for PPS Club members. Combining the heritage of American Express Platinum and Singapore Airlines PPS Club, the American Express® PPS Club Platinum Credit Card offers you truly outstanding benefits and privileges. 1-for-1 earn rate. Up to 40,000 bonus KrisFlyer Miles. Platinum Privileges. Platinum Service. Platinum Nightlife. Platinum Golf. Platinum Financial Benefits.

American Express Singapore Airlines Krisflyer Gold Credit Card
The American Express Singapore Airlines Krisflyer Gold Credit Card is the only credit card in Singapore that lets Cardmembers earn Krisflyer miles directly for all purchases charged to the Card. So you will never lose any miles earned on your Card due to expiry or redemption terms that comes with other cards. 50% more KrisFlyer miles all year round. An additional 50% more KrisFlyer miles from now until 31 December 2008. 5,000 free KrisFlyer miles the first time you use your Card. Double KrisFlyer miles for tickets purchased at Singapore Airlines. No annual fee for the first year.

American Express Gold Charge Card
The American Express Gold Charge Card gives you the freedom to spend as you please up to twice your monthly salary. No pre-set spending limits. Purchase Protection. Free supplementary card. Emergency card replacement. With Membership Rewards, you earn Double Points for life. Impressive array of benefits and customer service that are unmatched.

Bank of China Great Wall Card
Introducing BOC Great Wall Card by Bank of China, the card that gives you access to China Unionpay, the widest payment network in China, as well as exclusive privileges and benefits when you dine, shop, entertain and travel in China. BOC Great Wall Card, your best card to China. Privileges at Over 17,000 Merchants in Mainland China, Hong Kong and Macau. Complimentary CTrip VIP Card and RMB200 Vacation Voucher. Complimentary Hotel Reservation Services & Exclusive Rates. Global Assistance on Medical, Travel and Business Round The Clock. 2X Bonus Points with BOC Rewards. Golf Benefits in China. 24-Hour Customer Service Hotline.

Bank of China Platinum Card
The internationally accepted BOC Platinum Credit Card is your perfect partner with a host of benefits and exclusive perks, whether you are travelling for business or leisure. Exclusive welcome offers. One call for instant cash. 0% Interest Fund Transfer. 0% Instalment Plan. Up to 4X monthly income personal line of credit. Spend and Redeem programme. BOC Rewards Programme. Complimentary Hotel reservation services & Exclusive hotel rates. BOC Privileges not only in Singapore but Mainland China, Hong Kong, Macau. Free Travel Insurance. 24-Hour Customer Service. Distinctive Platinum Privileges. Distinctive Platinum Golf Privileges. 24-Hour Platinum Concierge.

Bank of China Platinum Golf Card
BOC Platinum Golf Card presents a wealth of exclusive golf privileges for your enjoyment. From privileged green fees at over 150 golf courses in Asia, access to an extensive network of golf courses from the World Platinum Golf (WPG) programme to discounts on golf equipment, you are assured of platinum recognition wherever your golf passion takes you. Exclusive welcome offers. Unlimited Tee Off at Pulai Springs Golf Resort, Johor. Up to 50% off on green fees. Special golf packages at over 200 golf courses in the region. Preferential rates for Golf events and tournaments. Golf concierge service. Invitation to Novice Fun Club, Ladies Club or Club 8090. 3X Bonus Points with BOC Rewards. Exclusive Privileges in Mainland China, Hong Kong and Macau. Complimentary Hotel Reservation services and Exclusive rates. 24-hour Customer and Global Concierge services. $1,500 cash for 3 months at 0% interest. Fund Transfer at 0% Interest. One call for instant cash. Enjoy maximum financial flexibility and freedom with interest-free installments.

Citi Clear Card
Citi Clear Card is the first credit card with no minimum income requirement for tertiary students. For working adults, the minimum income is S$18,000 p.a. Whether you're a tertiary student or a corporate employee, Citi Clear Card keeps up with your pace of life, offering you privileges around the clock. Apply now and enjoy privileges and discounts at over 900 merchant locations, from the hottest nightspots to coffee chains to music stores.

Citi DIVIDEND Card
Making payments is now as easy as ever! Presenting the Citi DIVIDEND Card, the card that puts your cash back where it belongs. Experience a new world of privileges, where making purchases are easier and simply more rewarding. Get up to 5% cash back for every dollar charged to your card. Enjoy the ultimate in personalized services with our 24-hour Citibank Platinum Services. Be showered with exclusive dining privileges, complimentary access to prestigious golf courses, special discounts and offers on airfares, hotels, beauty & spa, plus many more with your Citibank DIVIDEND Platinum Card.

Citi PremierMiles Card
Take flight into a world of freedom. Citi PremierMiles card has been designed for you, the discerning frequent traveller, offering the most airline miles and the most freedom to redeem your miles. With no minimum spending required and no limit to the Citi Miles you can earn, there's no faster way to accumulate the most miles. Apply for the premier card in air miles today and enjoy a first year fee waiver.

Citi SMRT Platinum Visa Card
Start charging to your Citi SMRT Platinum Visa Card today and unravel a journey to even more great privileges. Combining the convenience of an ez-link card and the benefits you enjoy as a Citibank cardmember, earn rebates faster at your favorite merchants to redeem for free rides and more!

Citi TANGS Visa Platinum Credit Card
Introducing the Citi TANGS Visa Platinum Credit Card - the card that takes care of your shopping needs. Enjoy higher rebates and a wide range of exciting rewards at TANGS Singapore. Earn 10% rebate all year round and up to 12% rebate on special days at TANGS Orchard, TANGS VivoCity, TANG+Co & TANGS Studio. Earn 8% rebate at BCBG MaxAzria, Island Shop & Versace. 5% discount off regular priced items at French Connection Wisma and Raffles City. Enjoy 10% rebate at TANGS F&B outlets. Free weekend parking at TANGS Orchard with a minimum purchase of S$100. Free personal shopping service. Priority queue at fitting rooms at TANGS Orchard and TANGS VivoCity. Exclusive invitations to sale previews, special events & workshops. Birthday treats. Free basic alteration. Free delivery with minimum spend of S$200 at TANGS. 5% discount at TANGS in Malaysia. Shopping privileges at Central Mall Thailand.

CitiBusiness Card
At Citibank, we are truly interested in the success of your business. As a bank that understands your business needs, we have created the CitiBusiness Card program - The ultimate program that meets all your business needs by giving you everything you've always wanted in a business credit card. S$100,000 Business Credit Line. Financial control, protection and assistance. Best business deals, discounts and rebates. Most savings. Citibank World Privileges.

Citibank Clear Platinum Card
With the Clear Platinum Card, you will enjoy 5X rewards all year round at all your favourite shops as well as clubbing privileges and restaurant promotions and discounts! With the latest encryption technology, Citibank Clear Platinum cardmembers can now enjoy the highest level of security and exceptional protection against fraudulent activities.

Citibank Esso Mobil Privilege Card
With the Citibank Esso Mobil Privilege Card, you will get an additional 3% discount on Synergy fuel ON TOP OF the prevailing station discount, or a minimum discount of 6%, whichever is higher. Interest-free installments for road tax payment. Insure your car with Citibank AutoShield and enjoy interest-free installments of up to 12 months. Interest-free installments for up to 12 months for car accessories and servicing. Free towing and vehicle breakdown recovery service provided by Comfort Automotive Services. Earn Smiles Points and Citibank Rewards.

Citibank M1 Platinum Card
Apply now for a Citibank M1 Platinum Card and receive a $50 M1 3G phone rebate and broadband rebate! Plus, enjoy continual annual fee waiver if you are an M1 Sunriser! Earn up to 20% Bonus Cash rebates on your daily spending. Earn Bonus Cash at participating merchants, overseas spend and any other spend on Citibank M1 Platinum Card. Bonus Cash rebates can be redeemed for purchases at participating merchants, mobile phone bills or the latest mobile phone. No expiry on Bonus Cash. Flexible redemption on Bonus Cash to pay M1 bills via SMS.

Citibank Paragon Platinum MasterCard
Step into the stylish world of Citibank Paragon Platinum MasterCard, the credit card that delivers the finest in contemporary living, the latest trends and privileges. Indulge in a choice selection of top-class boutiques, spas and dining establishments, and receive up to 10% rebates in Style$, plus many other benefits. And let our Citibank Paragon Platinum Concierge and valet help you with your arrangements, while you have a coffee on us.

Citibank Platinum Visa and MasterCard
Citibank Platinum Visa and MasterCard is more than just a credit card. It offers unrivalled recognition, rewards, services and privileges right in the palm of your hand. Receive 5X rewards all year long at department stores and supermarkets. Platinum services, rewards, protection and privileges. Citibank World Privileges. Flexible payment plans. With the latest encryption technology, Citibank Platinum Visa/ MasterCard cardmembers can now enjoy the highest level of security and exceptional protection against fraudulent activities.

Citibank Visa Business Card
The Citibank Business Gold Visa is business made better. Designed to save you time, effort and money, it comes with a host of thoughtful features that will help you manage your business more efficiently and cost-effectively. Financial reports to let you see where your money is going. Individual statement balances for every cardmember. Detailed activity report every month. Assistance in any emergency, any time, anywhere in the world. Automatic travel accident insurance of up to S$1,000,000. Earn CitiDollars and use them for attractive Citibank Rewards.

Citibank Visa Purchasing Card
Get a card that gives your business unparalleled purchasing power. Give your employees more control of the buying cycle and help them make the best use of their time. Slash up to 70% of your purchasing costs. Simplify and speed up all your procurement. Reduce paperwork and business costs. Ensure faster deliveries. Monitor and manage card usage right from your desk. Comprehensive training, support and supplier management.

DBS Live Fresh Visa Platinum Card
Living fresh is about looking at the world anew and seeing everything in a different light. It’s about believing in yourself and empowering others. It’s about expressing your creativity, even if it means flying in the face of convention. It’s about making good things happen. With this card, we present a multitude of things you can see, hear, touch, taste, smell, and ultimately, do. Redefine yourself. And reinvent your world. Live fresh. Enjoy 2 years’ annual fee waiver for your Principal and first Supplementary Card. Earn DBS Points. My Fresh Payment Plan allows you to convert your big-ticket purchases to a 6 or 12 months interest-free instalment plan, with a nominal administration fee. Financial Conveniences.

DBS AirAsia Credit Card
Redeem your AirAsia$ for free flights online now. You may now use the available balance of AA$ in your card account to redeem AirAsia flights. Your AA$ may be used to offset all or part of the purchase price of AirAsia tickets purchased by you. The choice is yours - redeem your AirAsia flight bookings anytime, as many times as you like, so long as you have available AA$ in your card account. 0% interest instalment plan. Balance transfer. CardShield. Cash advance. Free travel insurance.

DBS Altitude American Express Card
As a frequent flyer, you'll have expectations that are as lofty as your aspirations. And one Card is set to meet your unique demands - The DBS Altitude Card. It offers you the fastest way to earn miles so charging to the Card is more rewarding than ever. Not to mention an impressive fleet of privileges that'll keep pace with your jet-setting lifestyle. Go further with the Card that’s miles above the rest and start enjoying its impressive fleet of first-class privileges. With 1 Air Mile Earned for every S$0.83 Charged. Over 100 different rewards to redeem. A choice of 38 international airlines. DBS Altitude Butler Service. First year annual fee waiver. American Express Global privileges. Zero Lost Card Liability. Low Balance Transfer Rates. Fast Cash Advance Anywhere. Financial Conveniences. Premium Travel Assistance Service.

DBS American Express Credit Card
Get more from life. Introducing the new look DBS American Express Credit Cards. Refreshed, the DBS American Express Cards provide you with great features and benefits so that you can get more out of life. Enjoy one year annual fee waiver for your principal card and first supplementary card. DBS Rewards. American Express Selects. Online Fraud Protection Guarantee. Zero Lost Card Liability. Low Balance Transfer Rates. Convenient & Flexible Cash Management. Access to American Express Travel Offices world wide.

DBS Black Card
Get 2X Points Forever. 4X Points at Luxury Boutiques. Air Miles and Privileges 4X Faster. My Preferred Payment Plan by Black. DBS Rewards. American Express Selects. Access to any US online store with global eShop service. First year annual fee waiver. Worldwide Acceptance. Online Fraud Protection Guarantee. Zero Lost Card Liability. Low Balance Transfer Rates. Convenient & Flexible Cash Management. Access to American Express Travel Offices world wide.

DBS Esso Platinum MasterCard
The Ultimate Driver’s Card. Enjoy one year annual fee waiver plus Welcome Vouchers worth over S$800. For bigger savings, better value and exclusive motoring offers that will help you lower the costs of driving, we present you the DBS Esso Platinum Card. Instant savings when you pump at Esso. Reap more savings on petrol purchases with Smiles Points. Be rewarded with petrol vouchers from DBS. Easy monthly road tax payment plan. Own whatever your heart desires with DBS Esso Platinum Card Preferred Payment Plan. Receive a S$100 Esso fuel voucher and car grooming package worth up to S$300 when you sign up for DriveShield with MSIG Insurance. Enjoy a privileged Mobil 1 service package when you visit any of our Mobil 1 Car Care Centres island-wide. Greater value at FairPrice Xpress and Cheers – at all Esso Service Stations. Free parking when you dine at Holland Village. 0% interest instalment plan. Balance transfer. CardShield. Cash advance. Free travel insurance.

DBS NUS Alumni Credit Card
Introducing the Gold Card that only an esteemed NUS graduate & staff can apply for - the DBS NUS Alumni Credit Card. Accord your status the prestige and recognition it deserves, and open the door to a whole new world of exciting privileges. Now you can have whatever your heart desires with My Preferred Payment Plan. Apply now to enjoy 2-year Annual Fee Waiver. Complimentary DBS Cashline with 2-Year Annual Fee Waiver. DBS Dining Delights. DBS Rewards. Spend and support your university. MasterCard Moments. More Convenience and Recognition.

DBS NUSS Visa Platinum Card
At NUSS, lifelong relationships with NUS and the wider graduate community are constantly fostered and maintained. As the foremost graduate society, NUSS strives to promote the interests of its stakeholders by providing appropriate platforms for all to socialize, build networks, improve connectivity and exchange ideas through a multitude of recreational, academic, political, social and cultural activities. In line with the mission of NUSS, DBS Bank and NUSS bring to you, the DBS NUSS Visa Platinum Card - the only Card for the smarter few. Enjoy all-in-one convenience of a credit card cum membership card. Annual fee waiver. Now you can have whatever your heart desires with My Preferred Payment Plan. Complimentary DBS Cashline with 2-Year Annual Fee Waiver. DBS Dining Delights. DBS Rewards. Visa Platinum Privileges.

DBS Platinum Card
Welcome to the epitome of Pleasures and Privileges. The DBS Platinum Card is your key to all things exclusive and exquisite. From gratifying golf privilege, stylish retail therapies at renowned brand names to luxurious spa treatments, you can expect an unsurpassed level of exceptional privileges specially put together for our distinguished Cardmembers. We look forward to welcoming you to a Class of Distinction - the DBS Platinum Card. Visa Platinum Golf Privileges. FREE golf at 25 more prestigious golf courses across Asia-Pacific. FREE access and preferential green fees at over 200 courses worldwide. 24-Hour Platinum Customer Care. Superlative Concierge Service. Platinum Preferred Payment Plan. Travel Accident Insurance. DBS Rewards.

DBS SAAB Visa Platinum Card
A heritage of aircraft technology found in a SAAB - now in a card - DBS SAAB Visa Platinum Card. Now you can own whatever your car desires with SAAB Visa Platinum Card Payment Plan. Earn SAAB$ when you spend at SAAB. 30% Rebates for Parts Purchase, Spray Painting and Body Repair. 30% Rebates at SAAB Expressions Boutique. Complimentary S$50 SAAB Expressions Voucher. 3-Year Annual Fee Waiver. Bonus 0.3%^ Rebates for ALL Other Transactions. 0% Interest Instalment Plan for Your Road Tax. No Expiry on your SAAB$. Enjoy Platinum Privileges with the DBS SAAB Visa Platinum Card. Shop with DBS 0% Interest Instalment Plan. Free Travel Insurance.

DBS VISA/MasterCard
Greater Choices for your every need. One year annual fee waiver. DBS Rewards. Merchant Discounts & Benefits. Peace of mind with free Insurance Coverage. Worldwide Acceptance. Cash Advance Facility. Convenient Repayment. 0% interest instalment plan. Balance transfer. CardShield. Cash advance. Free travel insurance.

DBS Woman's Card
The DBS Woman's Card is made just for you in recognition of everything that defines you as a woman. Like your ability to look within yourself, your gift for nurturing and how you give more than you take. With this card, we're here to ensure that you get everything you deserve and more. DBS Woman's Card Mums & Little Tykes Programme. DBS Woman's Card Preferred Payment Plan. Exclusive Treats. Free Concierge Services. Healthcare Privileges. DBS Woman's Companion Card. Earn Extra Interest on Your Fixed Deposits. Bigger and Better Rewards. 0% Interest Payment Plans. 0% interest instalment plan. Balance transfer. Cash advance. Free travel insurance.

DBS BHG Visa Card
If you love shopping, you'll love the new BHG Visa Platinum Card. Besides a host of exclusive benefits, including 5% discount at all BHG department stores, you'll enjoy the finest suite of Platinum Privileges. Apply for your BHG Visa Platinum Card today, and be on your way to a whole new world of shopping. 2 years annual fee waiver. Special promotions at BHG such as complimentary S$10 voucher and additional 10% off. Free delivery service at all BHG stores. Rebates on parking charges at BHG Bugis. Free use of baby strollers and baby care rooms at BHG Bugis. BHG VISA Platinum Preferred Payment Plan. 24-Hour Platinum Customer Care. Visa Platinum Concierge Service. Distinctive Platinum Privileges when you travel, relax or dine. DBS Points Rewards. DBS Dining Delights. 0% interest instalment plan. Balance transfer. CardShield. Cash advance. Free travel insurance.

DBS CapitaCard
Rebates island-wide. Earn up to 20% cash rebates at 12 CapitaLand Malls. You can own whatever your heart desires with CapitaCard Visa Card Preferred Payment Plan. Earn yourself 3 hours of free parking per mall daily at 11 CapitaLand Malls. Annual fee waiver. Special monthly deals. Preferential room rates and packages. Platinum privileges. 0% interest instalment plan. Cash advance. Free travel insurance.

DBS Takashimaya Platinum American Express Card
Enjoy 6% voucher rebates when you shop at Takashimaya with the Takashimaya Platinum American Express Card. DBS Points and Rewards. Special Parking Privilege. DBS Indulge. Privileges from AMERICAN EXPRESS SELECTS. American Express golf privileges. Personal concierge service. Additional 10% discount. Exclusive invitations. My Preferred Payment Plan. Discounts at Takashimaya Japan. 1 year annual fee waiver. Free insurance coverage. 0% interest instalment plan. Balance transfer. CardShield. Cash advance.

DBS Takashimaya Visa Card
For your ultimate shopping experience. The Takashimaya Visa Card brings you an incomparable shopping experience at Singapore's largest department store. Additional 10% Discount at Takashimaya. Enjoy Takashimaya Gift Vouchers. Special Parking Privilege. My Preferred Payment Plan. Discounts at Takashimaya Japan. 0% interest instalment plan. Balance transfer. CardShield. Cash advance. Free travel insurance.

Diners Club International Charge Card
Next working day card replacement. Up to 58 days interest free credit period. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE personal accident protection of up to S$1,000,000. FREE S$350,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points. Free 500 Club Rewards Points.

Diners Club Business Card
Sort out all your expenditures effortlessly. Your Business Expenses will be neatly separated from your Personal Spendings in your monthly statement. A perfect tool for income tax record keeping. Only need to write one cheque to settle expenses from both Main and Business Cards accounts. Spending from both cards earns you Club Rewards points. Existing Photocard holders can have their photo imprinted onto their Business Card. Free 500 Club Rewards Points.

Diners Club Affinity Charge Card
Charge card especially for organisations under the Diners Club Affinity Program. Next working day card replacement. Up to 58 days interest free credit period. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE personal accident protection of up to S$1,000,000. FREE S$350,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points. Free 500 Club Rewards Points.

Diners Club High Flyers Credit Card
Up to 58 days interest-free credit. Emergency cash advance locally and abroad. Emergency card replacement by next working day. Personal accident insurance. Flight & travel inconvenience insurance. New purchase protection insurance. More than 100 "Members-Only" airport & business lounges worldwide. Diners Club Rewards programme. 0% interest-free instalment for road tax payment. 0% interest-free instalment plan. Bills Payment at AXS Stations.

Diners Club HomeTeamNS Affinity Credit Card
Earn 5% cash rebates for booking of facilities at HomeTeamNS Clubhouses. $12 discount on HomeTeamNS membership. $10 cash upon first transaction. Free 5 years Diners Club Cardmembership. Worldwide card acceptance over 200 countries at airlines, hotels, restaurants, departmental stores and retail outlets. Earn Diners Club Rewards points and redeem FREE gifts and dining/shopping vouchers. No expiry to your Club Rewards points. Next working day card replacement. Up to 58 days interest free credit period. Pay IRAS, phone, insurance, hospital, town council and other bills at over 500 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries.

Diners Club International Credit Card
Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. Free personal accident protection of up to S$1,000,000. FREE S$250,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. Free merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points. Free 500 Club Rewards Points.

Diners Club Challenger Credit Card
Free 2 years Diners Club Cardmembership. Earn Diners Club Rewards points and Challenger Rewards points simultaneously. Free 500 Club Rewards Points. Accumulate Reward Points for Gift Redemption. Up to 50% discount on selected products and services. 5 years service warranty on PC and Notebook. $2 car park refund with minimum $50 purchase in a single receipt. Discount on carry-in repair charges @ PC Clinic. Discount on delivery and installation. Lowest Prices Guaranteed or 110% Refund on Price Difference. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad.. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE personal accident protection of up to S$1,000,000. FREE S$250,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club Nature's Farm Credit Card
Free 3 years Diners Club Cardmembership. Free $20 Nature's Farm shopping voucher. Free 500 Club Rewards Points. Up to 35% discount on selected brands of supplements for a one time purchase of up to $600 nett on the month of your birthday. Up to 30% discount on selected brands. Regular mailers to inform you of special promotions and new product launch. Invitation to health talks and seminars. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club Raffles Marina Nautique Card
Exclusively for Raffles Marina members. Free 5,000 Club Rewards Points. Waiver of Raffles Marina Nautique Card Fees. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE personal accident protection of up to S$1,000,000. FREE S$250,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club Delifrance Card
Enjoy 100% rebate on first purchase at Delifrance outlets. 15% rebate on subsequent Delifrance purchases. Welcome Pack with attractive vouchers. Complimentary Entrées. Baker’s Delights. Birthday Treats. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at 500 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club Poh Kim Card
Enjoy 5% Upfront Discount on all purchases and Earn 5% Rebate at Poh Kim outlets in Singapore. Get S$15 Poh Kim Welcome Vouchers upon card approval. Stand to Win $1,000 Cash and $100 Poh Kim Vouchers in Lucky Draw. Free 2 Years Cardmembership. Worldwide card acceptance over 200 countries at airlines, hotels, restaurants, departmental stores and retail outlets. Earn Diners Club Rewards points and redeem FREE gifts and dining/shopping vouchers. No expiry to your Club Rewards points. Next working day card replacement. Up to 58 days interest free credit period. Pay IRAS, phone, insurance, hospital, town council and other bills at 500 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries.

Diners Club Affinity Credit Card
Credit card especially for organisations under the Diners Club Affinity Program. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. Free personal accident protection of up to S$1,000,000. FREE S$250,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. Free merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points. Free 500 Club Rewards Points.

Diners Club Courts Credit Card
The only card that gives you worldwide acceptance, payment flexibility and discount from Asia's largest electronic and furniture retailer. Get $20 cash upon card approval. Free 2 years Diners Club Cardmembership. 5% discount on Electrical except computers, notebook, PDA, mobile phones & gaming products. 15% discount on Furniture. 8% discount on Extended Warranty and Instant Replacement Plan. 8% discount on Dr. Digital service. Free Delivery and Disposal with minimum purchase of S$500. Multiple chances in lucky draws. Attractive discounts vouchers from various top brands. Lowest Price Guaranteed or 110% refund. Up to 58 days credit, interest free. Easy & low monthly repayment with our Buy-Now-Pay-Later. 0% interest-free instalment plans over 12 or 24 months at Courts. 0% interest-free instalment plan at the widest range of selected outlets, including payment for vehicle road-tax. Pay IRAS, phone, insurance, town council, hospital and other bills at AXS Stations. Free entrance into over 100 members-only airport & business lounges worldwide. Free gifts from our Club Rewards Programme. Emergency cash advance at over 1 million ATMs locally & abroad. 24-hour emergency lost card replacement. Free personal accident protection of up to S$1,000,000. Free insurance coverage of up to S$250,000 for flight accident & travel inconvenience. Free new purchase protection insurance.

Diners Club Secret Recipe Credit Card
The Diners Club Secret Recipe credit card is a privileged card that gives you great offers at Secret Recipe Cafes in Singapore and Malaysia. Free 2 years Diners Club Cardmembership. Free 500 Club Rewards Points. 10% off Total Bill at Secret Recipe. 20% off during your Birthday Month. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at over 470 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE personal accident protection of up to S$1,000,000. FREE S$250,000 on-flight personal accident insurance coverage & reimbursement for travel inconveniences. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club SELFFIX Card
Chance to win 42" LCD TV in lucky draw. Free $10 SELFFIX voucher. Get early bird gift. Up to 5% discount. Up to 24 months 0% interest free instalment plan. Free 3 years Diners Club Cardmembership. Preferential rates for Home Insurance Protection. Earn 2X Club Rewards Points at any SELFFIX outlets. Invitation to cardmembers’ exclusive events. Next working day card replacement. Up to 58 days interest free credit period. Minimum payment of only S$50 or 5%, whichever is higher. Pay IRAS, phone, insurance, hospital, town council and other bills at 500 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries. FREE merchandise, shopping & dining vouchers, and air-tickets from our Club Rewards Programme. No expiry to your Club Rewards points.

Diners Club Jack's Place Card
Chance to win 42" LCD TV in lucky draw. Free $10 Jack's Place voucher. 20% cash rebate. Free gourmet coffee upgrade with any set lunch ordered. Free double scoop ice cream or a slice of Cake of the Day with a minimum spending of $10 during Tea-Time. Complimentary 1 round of garlic bread for Dinner. Cash Rebate for all cake purchases at Jack’s Place Group of Restaurants. Free 2 years Diners Club Cardmembership. Worldwide card acceptance over 200 countries at airlines, hotels, restaurants, departmental stores and retail outlets. Earn Diners Club Rewards points and redeem FREE gifts and dining/shopping vouchers. No expiry to your Club Rewards points. Next working day card replacement. Up to 58 days interest free credit period. Pay IRAS, phone, insurance, hospital, town council and other bills at 500 AXS Stations islandwide. 0% interest-free instalment of up to 6 months for vehicle road tax. 0% interest-free instalment of up to 48 months at selected merchants. Emergency over-the-counter & ATM cash withdrawal facilities both locally & abroad. Access to more than 100 "Members-Only" airport & business lounges in 30 countries.

HSBC Premier MasterCard
HSBC Premier is a comprehensive premium banking service that enables you to explore and experience a wealth of opportunities the world has to offer. And giving you a little more latitude to enjoy life, just the way you want to. Available only to HSBC Premier customers, your HSBC Premier MasterCard is your passport to a world of exclusive privileges that helps you get even more out of life. Premier Triple Rewards Programme. Travel privileges. HSBC Home and Away Privileges. Golf Privileges. No annual fee. Emergency services. Travel insurance. Golfers' insurance. HSBC Everyday Dining offers. Drive away with savings with Caltex. Shopping convenience with the Choice Card. HSBC Everyday Movies Privileges.

HSBC Platinum Card
How you live says who you are. Enjoy the freedom to choose a treat of your choice. Golfing privileges at home and abroad plus complimentary Golfers' Insurance. Greater Visa rewards with HSBC Platinum card. Earn Rewards points with income tax payments. Dedicated 24-hour Hotline. Exclusive privileges at over 1,600 outlets in Singapore and even more overseas with HSBC Home and Away Privilege Programme. Platinum Card Privileges. Golf privileges. Dining Privileges. Travel insurance. Dedicated 24-hour hotline. Golfers' insurance. Travel in style. Free supplementary card. Two years annual fee waiver.

HSBC Gold Credit Card
Benefits at home and abroad with one credit card. Freedom to choose a treat of your choice. Two-year annual fee waiver and free supplementary HSBC Gold Credit Card for life. Greater savings at Caltex, Cold Storage and Golden Village cinemas. Amazing dining deals with your HSBC Gold Credit Card. Exclusive Home and Away Programme Privileges. Free supplementary card. Two years annual fee waiver. Dining Privileges. Shopping convenience with the Choice Card. HSBC Everyday Movie Privileges. 0% fund transfer.

HSBC Secured Visa Card
Let HSBC secure the best value and privileges for you at home and away. No minimum income required. Annual fee waived. International recognition. Fantastic treats at home and beyond. Rewards that last longer. Drive into greater savings at Caltex. A choice of better value and rewards with the Choice Card.

HSBC Corporate Credit Card
The more effective way to organise business expenditure. First-year annual fee waived. Worldwide acceptance. Central billing with monthly consolidated statements. No more messy expenditure files and charts. You can now enjoy the benefits of our corporate card programme which helps better manage your company's travel and entertainment expenses for maximum efficiency and effectiveness. Discounts on hotels and car rentals. 100% waiver of commission on purchase of travellers' cheques. Monthly statements. Flexibility of assigning credit limits for each card. Up to 51 days of interest-free period. Corporate Liability Waiver insurance of up to US$25,000 per cardholder per year. Worldwide acceptance at over 22 million locations. Global Emergency Assistance. Dedicated 24-hour Customer Service Hotline.

HSBC Revolution Credit Card
All-in-one banking programme that revolves around you and meets your financial needs. Your HSBC's Revolution credit card comes with Visa payWave feature and a two-year fee waiver. A personal internet banking account that lets you manage all your accounts online conveniently. Plus lifestyle privileges like a free pair of movie tickets every month, S$1 off your taxi fares and a monthly discount of up to 25% at MPH. Also enjoy exclusive banking privileges including a preferential interest rate for HSBC’s personal line of credit, low minimum balance requirement for ePowerVantage and discount off premiums for TravelSurance Plus.

Maybank Family & Friends Platinum MasterCard
Liberate the way you shop. Maybank Family & Friends Platinum MasterCard. Get a 5% cash rebate on any amount spent. You can exchange tr’eats Points for up to 1% cash rebate on any amount spent during festive months. You need not spend a minimum to qualify for rebates, with no cap on rebates earned, and no hassle of redeeming rebates at specific merchants. You can choose between an automatic cash rebate, a gift voucher or item redemption with your tr’eats Points. You get a free eXplorerkid membership (worth S$8.50) with 12% discount on total bill and 15% off birthday party packages all year round. You'll also enjoy all-year-round privileges, discounts, and workshops for kids, mums and dads with Youngstarz Club. You'll enjoy a special promotional interest rate of 12% p.a.* for the first 6 months.

Maybank eCard Platinum
Liberate the way you relax. Enjoy unlimited free admission to Sentosa. Immerse in its many wonders any time, any day. Be spoiled with unlimited free rides on board the Sentosa Express and discounts of up to 50% at Amara Sanctuary Resort, The Coffee Bean & Tea Leaf®, Delifrance, Siloso Beach Resort, Singapore Cable Car and more! Now that’s our idea of a fun-filled day. 5% cash rebate on online travel bookings made at www.jetstar.com and www.asiatravel.com/maybank. 5% cash rebate on luxury brand purchases at DFS Galleria Scotts Road. 10% cash rebate on all transactions at Zouk club. Interest rate of 15% p.a.* for eCard Platinum. Easy online access to your eCard Platinum Account.

Maybank Catholic High Alumni Platinum Associates
The Maybank Catholic High Alumni Platinum Associates is a card specially created to offer Platinum privileges to Catholic High Alumni members. No annual fees as long as you remain a Catholic High Alumni member. Complimentary Supplementary Cards for loved ones. Donation to the Alumni based on a percentage of the card purchase amount by the Cardmember. The more you charge, the more the Alumni will benefit. Complimentary access to the Plaza Premium Lounge at Singapore Changi Airport & Kuala Lumpur International Airport and the Travelers’ Lounge at Hong Kong International Airport when air tickets or travel packages are charged to the card. Comprehensive travel insurance coverage of up to S$1,000,000 when air tickets or travel packages are charged in full to the card. Enjoy dining, shopping and travel deals with Maybank tr'eats. Be invited to Platinum Signature Events such as launches, previews and workshops. Ability to convert tr'eats points into donation towards the Alumni or redeem an exquisite spread of t'reats points premiums and offers. Rewards Infinite ensures tr'eats points will never expire and also be awarded bonuses and double points during the festive months. Personalised 24-hours Local Concierge Service. Worry-free shopping when you pay for purchases via instalment plan, even at shops that do not accept credit cards through Maybank EzyPay and FlexiPay programmes.

Maybank Horizon Platinum Visa Card
Liberate the way you travel. Earn 2 air miles with every dollar spent. Get 5 tr’eats Points for every dollar spent when you charge your air ticket, travel package, purchases at Perfume & Cosmetics from Changi Airport, and/or any overseas expenses to your Card. You can then redeem 2 air miles with every 5 tr’eats Points that you've earned. It’s that simple. Golf privileges. Personalised 24-hour Local Concierge Services. Exclusive invitations. Travel in Style and Comfort.

Maybank MasterCard Platinum
Privileges Beyond Borders. A Window to The Premier Circle. Welcome to a world of privileges. The Maybank MasterCard Platinum offers you a sumptuous range of benefits in Singapore and Malaysia. Golf privileges. Exclusive invitations. Travel in Style and Comfort. Personalised Concierge Service.

Maybankard Business Platinum Card
The card behind your business moves. Permanent low interest rates. Best Rates. Easy Cash Access. Make An Impression with personalised company logo. MasterCard Smart Data Online (SDOL). Specify Daily Spending Limit. Choice of Golden Numbers. Maybankard tr'eats Points. Maybankard tr'eats. Exclusive Platinum Benefits & Privileges. Maybankard tr'eats Travel. Complimentary Lounge Access. Complimentary Travel Insurance. Malaysia Connexion Programme. Maybankard Frequent Flyer Programme. Worldwide Recognition. Cardmember Specials - Exclusive Discounts & Promotions.

OCBC VISA/MasterCard
Live the life of a VIP. Be instantly recognised and accepted at more than 22 million establishments in 210 countries and territories with the MasterCard and at more than 24 million establishments in over 300 countries and territories with the Visa. Sign up now and you enjoy a 2-year annual waiver and the annual fees on your first 2 Supplementary Cards waived for the first 2 years. Accepted and recognised internationally. Redeem points for fine dining, shopping, travelling and other rewards. Enjoy instant discounts and privileges at more than 550 shops and restaurants islandwide, with your OCBC Credit Card. Benefit from annual fee waivers of 50% or 100%, depending on the OCBC$ available in your account. Greater financial flexibility with minimum payments as low as 3% or S$50 and one of the longest interest-free repayment periods (up to 60 days). Gain automatic access to OCBC Internet Banking and Phone Banking on approval of your OCBC Credit Card. Settle your OCBC Credit Card bills easily through OCBC ATM, Phone Banking, Internet Banking or Interbank GIRO. Access readily available emergency cash advances at OCBC Bank branches and OCBC ATMs locally. Link up to 6 OCBC savings/current accounts to your OCBC VISA and/or MasterCard, to use as ATM and NETS cards. Charge your air ticket in full to your OCBC Credit Card to enjoy Personal Travel Accident Insurance and free Flight and Baggage Insurance.

OCBC Platinum MasterCard
Sign up for your OCBC Platinum Card, and step into a world where privileges for you and your family are more than just a luxury, they are a lifestyle. OCBC Platinum Family Club. Exclusive discounts at Mothercare, The Little Skool House International, Gymboree, KinderGolf, The Better Toy Store, Snowcity and more. Mighty Savers Starter Card Programme. Platinum Privileges include special healthcare packages from ParkwayHealth Services, Healthway Medical Group, Excellence Healthcare, AsiaMedic and more. Looking and feeling good will never be the same again with great rates on treatments and services at some of the most trusted names: The Lasik Surgery Clinic Group, GNC, The Asian Spa and many more. Complimentary Gym Access at Hilton Fitness Centre. Platinum golf. Platinum travel privileges. Platinum Dining and Motoring Privileges. Platinum Lifestyle and Retail Privileges.

OCBC BEST Card
Power Up and Get More with the OCBC BEST Card. The OCBC BEST Card is clearly the better card if you're looking for superb savings. Sign up now and get more savings and benefits when you shop at Best Denki. Earn BEST points for Storewide Redemption at Best Denki. Save with 0% Interest Instalment Plan. Enjoy 2% Annual Rebate on Purchases. Other exclusive perks at Best Denki such as Safety 5 Warranty Programme, Free Delivery and BEST Cards Monthly Lucky Draw. Be instantly recognised and accepted at more than 22 million establishments in 210 countries and territories. Enjoy EXTRA 5% discount on petrol – on top of prevailing station discount at Caltex service stations in Singapore. Use OCBC$ to redeem coveted rewards from the OCBC Rewards Programme. Up to 36 months of interest free instalments at more than 800 merchant outlets islandwide. Up to 50% off at over 550 outlets islandwide. Gain automatic access to OCBC Internet Banking and Phone Banking.

OCBC IKEA friends VISA Card
Building your dream home has never been easier with your IKEA friends VISA Card that gives you extensive benefits. Free subscription for first 2 years. Free coffee/tea/dispensed soft drinks for 2. Discounted meals for 2 everyday. Earn Bonus Points + OCBC$ with every purchase. Up to 12 months 0% interest-free instalments. 50% lower interest rate at only 12% per year. Discount on Benefit Price Items. IKEA friends newsletters. Invitations to friends sale previews & activities and more. OCBC and Home Related Privileges. Dining privileges. Exclusive Motoring Benefits. 2-year Annual fee Waiver.

OCBC Arts Platinum MasterCard
Be a true patrons of the Arts and enjoy exclusive privileges to theatre, music, café, art appreciation courses and much more. At the same time,you will also be nurturing the future talents by contributing to LASALLE College of the Arts and The Business Times Budding Artist Fund when you spend with the Arts Platinum MasterCard. Get the best seats in the house to worldclass performances from SISTIC or enjoy priority bookings, privileges and exclusive performances from production houses. Experience and learn how to paint, dance or make art & crafts, and be enthralled by the extensive art collections at the museums. Immerse yourself in a relaxing ambience and get exclusive privileges at selected cafes. Every dollar spent earns you 1 OCBC$ which you can redeem tickets from SISTIC, or shopping vouchers from Robinsons, Takashimaya and Caltex. Enjoy 5% petrol discount at Caltex. Dining Privileges.

OCBC Titanium MasterCard
OCBC Titanium is not just a credit card. Seriously. It's a passport, if you may. A passport to live the many passions of your life. It opens multi-faceted dimensions and leads you to where you want to be, in your own space, in your own individual realm. OCBC Titanium is also about quality. Nothing else quite matters. Which is why we've hand-picked four pillars of passion which we know only you will enjoy: Travel, Shopping, Recreation and Golf. How you enjoy them, is up to you. After all, you always take control with OCBC Titanium. Those seeking to escape the urban bustle can rejoice with monthly Club Med offers and discounted packages from ASA Holidays. Plus, special rates at Novotel, Grand Mercure, All Seasons Hotels and more. Avid golfers can put their swing to the test by participating in the OCBC Golf Series 2008 at some of the best courses in the region and enjoy discounts off green fees and golf merchandise. Trendsetters have much to enjoy, with accelerated OCBC$ at leading fashion brands and up to 20% discounts at other fashion retailers. If unwinding after a day’s work is your thing, you’ll be happy to know that OCBC Titanium Cardmembers get free drinks at hangouts and enjoy discounts at Golden Village and Eng Wah Cinemas.

OCBC NTUC Uplus Credit Card
Free Saving Account that requires no minimum initial deposit, no minimum balance and no monthly fee. Redeem your LinkPoints for online rewards at super preferential price. Shop at NTUC FairPrice with one card to pay and earn rebates and LinkPoints. Enjoy mouth-watering offers from LinkPoints Gold and OCBC FLAVOURS dining merchants. Earn LinkPoints everywhere and even Worldwide with VISA signature based transactions! You’ll be earning more LinkPoints in a shorter time! Enjoy 10% petrol discount, 3% rebates and Thanks! Points at Caltex stations. Redeem LinkPoints for cash. Extra 6 months validity for your LinkPoints.

OCBC Robinsons Visa Platinum Card
The new OCBC Robinsons Visa Platinum Card is the only card you can use for rebates, discounts and any other benefits in one of the biggest chain of stores, the Robinson Group of Stores. Up to 10% Cash Rebates. 5% Cross-Border Rebates. Robinsons$ Rewards. Up to 25% Robinsons Bonus Discount. Your Platinum Birthday Gift. 2X Robinsons$. Luxury of Free Parking on Weekends. Exclusive invitations to members-only event and private sale. Annual Fee Waiver. Exclusive Instant Discounts at over 550 shopping and dining outlets all over Singapore. OCBC FLAVOURS Dining Privileges. 0% Interest Instalment Plans at more than 1,000 merchants in Singapore. Golden Village Cinema Discount. Exclusive OCBC Motoring Benefits.

OCBC Robinsons Visa Platinum Elite Card
Specially by invitation only, the new OCBC Robinsons Visa Platinum Elite Card is offered to selected loyal cardmembers. Enjoy a splendid array of elite privileges; special discounts, rebates and benefits in one of the biggest chain of stores, the Robinson Group of Stores. In addition to the OCBC Robinsons Visa Platinum privileges, you can also enjoy the following entirely new and exclusive Elite privileges. Your very own Robinsons Personal Stylist. Your Platinum Birthday Gift. Free parking on weekends. Free Delivery within Singapore.

OCBC SAFRA VISA Card
SAFRA - A unique card tailored for those who have dedicated their lives to Singapore. You truly deserve the finer things in life. It’s our way of saying thank you. Being a SAFRA VISA card member, you enjoy 3 years' FREE subscription and reduced annual fee of S$20 for Classic Card and S$100 for Gold Card for subsequent years. Instantly recognised at over 22 million merchants worldwide for VISA transactions and 17,000 merchants for NETS transcations in Singapore. Indulge in some of life's greatest pleasures with instant discounts and privileges at over 550 shopping and dining outlets islandwide. Just look out for the OCBC Privileges logo for exciting offers. Save time by banking online 24 hours a day, 7 days a week woth OCBC Internet Banking at the click of a mouse. Settle your OCBC Credit Card bills easily through OCBC ATM, Phone Banking, Internet Banking or Interbank Giro. Gain automatic access to OCBC Internet Banking and Phone Banking on approval of your OCBC Credit Card. Access readily available emergency cash advances at OCBC Bank branches and OCBC ATMs locally. Link up to 6 OCBC savings/current accounts to your Card. Enjoy EXTRA 5% discount* on petrol – on top of prevailing station discount at Caltex service stations in Singapore.

OCBC SMU Platinum MasterCard
For those who know the difference, Platinum represents a world of distinction. Where finer pleasures are not only served on a platter, they are a way to enjoy the finest things in life. Befitting this precious metal and the privileged few is the SMU-OCBC Platinum MasterCard. With it, you've been exclusively invited and spoilt with an array of benefits, all of which are there to reward you when you live it up at your favourite establishments. From luxurious spas to the most prestigious fairways - life doesn't get any better than this. 5-year fee waiver. SMU Graduate Banking Solutions with free chequing account* for 5 years and special discounts on OAC Travel Insurance. Exclusive SMU On-and-Off Campus Privileges at dbl O, Celio, O Bar and Contiki Holidays. A myriad of OCBC Platinum Privileges from exclusive access to Premier Golf Clubs, Motoring Privileges to 1-for-1 Dining Treats. Experience rewarding benefits with 8% cash rebate† with Easicredit.

OCBC NTU VISA Gold Card
Created especially for graduates of the following distinguished institutions: Nanyang Technological University (NTU) and its predecessor institution, NTI, National Institute of Education (NIE) Teachers Training College and Institute of Education and College of Physical Education. Apply now and have your annual fee waived for 5 years! NTU exclusive privileges at Beetle Bug, prettyFIT, Reds Salon, Skin Food, Donut Empire and many more. Instantly accepted and recognised worldwide so you can enjoy the better things in life. Redeem points for fine dining, shopping, travelling and other rewards. Enjoy instant discounts and privileges at more than 550 shops and restaurants islandwide. Gain automatic access to OCBC Internet Banking and Phone Banking on approval of your OCBC Credit Card. Settle your OCBC Credit Card bills easily through AXS, OCBC ATM, Phone Banking, Internet Banking or Interbank GIRO. Access readily available emergency cash advances at OCBC Bank branches and OCBC ATMs locally. Link up to 6 OCBC savings/current accounts to your OCBC VISA and/or MasterCard, to use as ATM and NETS cards.

POSB Everyday Credit Card
Let your everyday spending pay for your everyday bills with the POSB Everyday Credit Card. Get Instant Cash Rebates On All Purchases. Exclusive Savings From Everyday Card Partners SPC, Carrefour, Watsons, SP Services, StarHub and Comfort Transportation. Earn Up To 20% Cash Rebates Everywhere. Instant cash rebates with no expiry date. Hassle-free Recurring Payments. Free travel insurance. My Preferred Payment Plan at 0% interest. Enjoy 5 years Fee Waiver and Free Supplementary Cards. Special MasterCard Platinum privileges.

Standard Chartered Platinum Credit Card
The Standard Chartered Platinum Credit Card offers you and your loved ones the freedom to enjoy the finer things in life. A wealth of benefits and privileges, ranging from luxury golf and travel to world-class dining are available for you to explore. You can choose between a Visa Card and MasterCard to suit your own personal preference and start living your life with the prestige and personal distinction you have achieved. Enjoy exclusive privileges all year round. Platinum privileges. Transform your spend into Standard Dollars to redeem incredible rewards from the finest names in shopping, dining and travel.

Standard Chartered Visa Platinum Access Card
The Visa Platinum Access Card automatically splits every purchase above S$100 into 24 monthly installments at an attractive interest rate of 5% and a small administration fee. There are no forms to fill in, no calls to make – just hassle free shopping. For every purchase below S$100 you can use the Platinum Access Card just like a normal credit card. And because it’s a Platinum Card, you’ll get access to a world of benefits and privileges like luxury travel and dining experiences to let you and your loved ones enjoy life to the fullest. Year round privileges. Visa Platinum privileges. Double rewards.

Standard Chartered Business Platinum Card
When you become a Standard Chartered Business Platinum Card holder you’ll get access to exciting new avenues and opportunities for your business through our professional networking events and business seminars. We'll help you manage your cash flow with flexible credit line increases, especially when you’re abroad, and a pre-approved Personal Credit line. We’ve also created a suite of exclusive rewards specially selected to help your business grow. Learn about these and more below. Year round privileges. Visa Platinum privileges. Transform your spend into Standard Dollars to redeem incredible rewards from the finest names in shopping, dining and travel.

Standard Chartered NUS Alumni Platinum Card
With the NUS Alumni Platinum Card, you can give back whenever you spend and be recognized instantly as an NUS alumnus wherever you are. Each time you spend, a percentage of your spending will be contributed towards NUS student and alumni cultivation programmes, assisting the next generation. And, as a recognition of your achievements, expect priority invitations to exclusive NUS talks, seminars and activities organised by the University, letting you forge stronger links with friends old and new. Year round privileges. Visa Platinum privileges. Transform your spend into Standard Dollars to redeem incredible rewards from the finest names in shopping, dining and travel.

Standard Chartered Prudential Platinum Card
The Prudential Platinum Card is the only credit card that lets you convert your Std$ to offset your insurance premiums. A world of privileges, rewards and benefits awaits you and your family. Have it all with the Prudential Platinum Card. Pay your insurance premiums through the Prudential Platinum Card. Save On Insurance or Redeem Rewards. Visa Platinum privileges.

Standard Chartered PruPrestige Visa Signature Card
Pay your insurance premiums through the PruPrestige Visa Signature Card and save yourself the hassle of cash or cheque payments. Save On Insurance or Redeem Rewards. Your PruPrestige Visa Signature Card also accords you an exceptional suite of Visa Signature Privileges in Singapore and across the Asia Pacific region. 24-Hour Visa Signature Concierge service available 24 hours a day, 7 days a week to attend to your lifestyle needs, such as planning a trip, booking a flight, hotel or restaurant, car rental, theatre tickets and more.

UOB China Unionpay Platinum Card
You've come to expect recognition. And that's just what you'll get from the new UOB China Unionpay Platinum Card. Brought to you by one of Singapore's leading card issuer and the widest payment network in China, this partnership ensures ultimate convenience and recognition when you're in China, be it for business or leisure. In addition, enjoy the ease of bill payment in Singapore dollars. Invitation to Marco Polo Club Membership. Year-Long Low Fare Deals on Cathay Pacific and Dragonair. Stay at the finest hotels in China with exclusive benefits. Travel in Style with UOB Travel. Up to 5X UNI$ when you travel. Dine, shop and be entertained by the best. Complimentary Supplementary Cards.

UOB Preferred Platinum Card
The new UOB Preferred Platinum Card turns Asia into your playground with exclusive UOB privileges in Singapore, Thailand, Malaysia and Indonesia plus Platinum Privileges from Sydney to Shanghai. Enjoy amazing discounts and preferred treatment when you dine, shop or unwind in all the hotspots around Asia. The UOB Preferred Platinum, your preferred card in Asia. Complimentary golf and discounted access at over 30 of the top course at prestigious courses from Singapore to Australia. Exclusive hotel deals in Singapore, Malaysia, Indonesia, Thailand and so many others in Asia. UOB Dining Privileges at over 1,000 locations. Biggest deals at Malaysia's Mega Sale, the Hong Kong Luxury Sale and the Amazing Thailand Grand Sale. Earn SMART$ all year round to shop and dine for free at over 500 participating outlets. Exclusive privileges all year round. Worldwide Recognition. Complimentary Supplementary Cards.

UOB One Card
With UOB One Card, you will earn cash rebates on everything you buy, every time, everywhere. From the new Visa payWave technology to cash rebates on everything you charge on your UOB One Card, UOB Payment Advantages, discounts and much more, the UOB One Card is truly all you will ever need. Over S$300 in cash rebates every year. Great treats every day. Payment with Visa payWave. Exclusive One Card privileges. Get over S$250 worth of welcome vouchers when you sign up. Enjoy Perpetual Fee Waiver.

UOB Visa Signature Card
Welcome to a world of limitless travel, where you get to fly anytime you like to anywhere in the world. With more generous rewards, a choice of more than 400 airlines and flexible redemption, you'll get to enjoy free travel sooner, more frequently and just the way you like it. Earn Double Rewards On Everything You Charge To Your Card. Fly For Free Faster With 2X UNI$ All Year Round. Travel Rewards - More Choices, Less Restrictions. UOB Rewards. Complimentary UOB Visa Signature Privileges. AMARA Sanctuary Resort Islander's Card the five-star resort in Sentosa - receive exclusive discounts in dining and hotel rates. Park at Raffles City Shopping Centre and Park Hotel Orchard every weekend for free. Get four movie tickets for the price of three at Golden Village Multiplex every weekend. Complimentary use of spa facilities at [comfort space] HelioAsia Spa. Complimentary golf clinics and discounts off tuition package at Star Golf Academy. Complimentary one-for-one Starbucks caffé latte.

UOB-JCB Platinum Card
Exclusive UOB JCB Platinum Card Privileges. Shop and dine from Singapore to Shinjuku with over 1,000 privileges. Discounted mall vouchers and free weekend parking at Liang Court. Year-long low airfare deals and lounge access with Japan Airlines. Double Rewards with 2X UNI$. Earn SMART$ all year round to shop and dine for free at over 500 participating outlets. 0% instalment plan for up to 24 months at over 1,000 merchants across Singapore. Complimentary Supplementary Cards.

UOB Tung Lok VISA Platinum Card
Enjoy a feast befitting a king at any Tung Lok restaurant when you use your UOB Tung Lok VISA Platinum Card. With double rewards and Tung Lok privileges, you'll truly be spoilt for choice. 10% rebate in TL$^ on à la carte food items, beverage orders and set menus, redeemable for free meals at all Tung Lok restaurants. The more you spend, the more TL$ you will earn. So there will be more treats for the family Specially-priced dishes and promotions for Cardmembers Exclusive TL$50 gift during your birthday month. Regional Privileges. Tee Off At The World's Top Golf Courses. Generous Living with UOB CashPlus. Peace of Mind with UOB CreditShield. Worldwide Recognition. Exclusive Privileges All Year Round. Carefree Travel. The UOB 0% Instalment Plan.

UOB Lady's Platinum Card
For the lady with fine judgement. Who has opened doors where none existed and pushed boundaries that were set in stone. Who lives by her own rules, and lives it in style. You're the lady who has arrived. And now, so has your card. UOB Lady's Platinum Card - the exclusive card for the special you. UOB Lady's Platinum Service. Complimentary Workouts. Exclusive Offers and Privileges All Year Round. Travel Concierge. Worldwide Recognition. UOB Rewards. Cash Rebate with SMART$. CreditSure. Dining Privileges. Complimentary Supplementary Card. Monthly Privileges. 0% Instalment Plan. SmartPay.

UOB Lady's Card
The UOB Lady's Card gives you everything you need. Packed with a complete list of benefits that ensure you look and feel great inside out, it's the only card you should carry. Look forward to exclusive discounts on all your essentials like female wellness programmes and yoga. Plus enough health and beauty privileges to last a lady's lifetime. Complimentary Monthly Workouts. Exclusive Offers and Privileges All Year Round. Travel Concierge. Worldwide Recognition. UOB Rewards. Cash Rebate with SMART$. CreditSure. Dining Privileges. Complimentary Supplementary Card. Monthly Privileges. 0% Instalment Plan. SmartPay. Insurance Protection For Less.

UOB MasterCard Gold/Classic Card
With more than 24 million MasterCard establishments around the world, and more than 900,000 MasterCard/Cirrus ATMs and 21,000 participating financial institutions, your UOB MasterCard is definitely a valuable line of credit to carry around. UOB Rewards. Plus Exclusive Privileges All Year Round. Carefree Travel. The UOB 0% Instalment Plan.

UOB VISA Gold Smart/Classic Card
Convenience. Instant line of credit. Global recognition and acceptance. Exclusive privileges. You'll find everything you like in the UOB VISA Card. Worldwide Recognition. UOB Rewards Plus. Exclusive Privileges All Year Round. Carefree Travel. The UOB 0% Instalment Plan.

UOB Metro Gold Card
Enjoy 10% off regular-priced items plus 5% Metro$ rebates on everything at Metro. The Metro-UOB Gold Card. Now better than ever. 20% off on your birthday month. Invitation to exclusive Metro events. UOB Rewards. Dining Privileges. Complimentary Supplementary Card. UOB SMART$ Programme. UOB 0% Instalment Plan.

UOB ORA VISA Credit Card
For all Rafflesians this is your rightful, unique, and privileged card. Be part of an exclusive alumni group that is rich in history, tradition, and prestige. The Old Rafflesians' Association Card by UOB is a badge of distinction for all Rafflesians, giving the deserved recognition and benefits. Unique @rafflesian.com email address free. Fee waiver for your UOB ORA VISA Credit Card, as long as you remain an ORA member. Special rates at networking events, seminars and talks organised by ORA. Gain immediate access to the network of Rafflesians within ORA. Organise class reunions, find old schoolmates, and be kept informed of the events within the Raffles Family, all through ORA. Gain full access to the array of ORA Portal's features. Free ORA T-shirt and a car-decal when you sign up as a Life Member. Worldwide Recognition. UOB Rewards Plus. Exclusive Privileges All Year Round. Carefree Travel. The UOB 0% Instalment Plan.

UOB SingTel VISA Platinum Card
Live it up with smaller bills with SingTel-UOB Platinum card. Earn up to 3% SMART$ rebates on your SingTel bill and more. This card combines the exceptional privileges of Platinum membership from UOB with exclusive benefits from SingTel. Redemption of free phones, modem and accessories with your SMART$. 10% discount on residential line telephones, 3G mobile phones and mobile accessories at SingTel hello! stores. Free registration for Value-added-Services such as auto-roaming subscription with SingTel mobile and SingNet Broadband. Free SIM card replacement. Privileges all year round. Feast on the best with UOB dining privileges. 0% Instalment Plan. UOB Payment Advantages Cash Advance. Payment Holiday. Interest-free loan. Regional Privileges. Tee off at the World's Top Golf Courses. Worldwide Recognition. Carefree Travel.

What you should know… about Credit Cards

1. What is a credit card?
A credit card is a form of borrowing. It allows you to buy goods and services without using cash, that is, on credit. A credit card therefore is a convenient payment instrument and not intended to be a long-term credit facility. You can apply for a credit card from a card issuer (usually a bank) and if your application is accepted, a card will be issued to you with a credit limit.


2. When can you use it?
You can use your card locally and overseas in establishments that display the brand of your credit card. When you make a purchase with a credit card, you have to sign the sales slip. The merchant keeps a copy and gives you a copy for your record. Your card issuer pays the merchant and then collects the sum from you in a bill that totals your purchases for a period, usually a month.
You can also use your card to make purchases online. However, be vigilant about your online retail choices and shop only at online stores that you know and trust. Always print the invoice slip or confirmation page after completing your online purchases and verify the amount billed to you in your monthly statement.

3. Understanding the monthly statement
The card issuer will send you a monthly statement detailing all the purchases you have made with the card during the month. It is important to check your monthly statement carefully and inform the card issuer promptly if there are any discrepancies or if any clarification is required. Do also take note of the following in your monthly statement:

a. Statement Date
This is the date the statement was issued. All transactions recorded between this statement date and the last statement date will appear on this statement.

b. Payment Due Date
This is the date by which you should pay your creditcard bill without incurring a late payment charge. You have the option to pay the bill in full, or make a partial payment subject to a minimum sum.

c. Amount Due
The amount due denotes the outstanding balance you charged to your credit card. As a practice, card issuers do not charge interest if the outstanding balance shown on the monthly card statement is paid up in full by thepayment due date. In other words, if you pay up your credit card bill in full by the payment due date, you will enjoy interest-free use of credit for your purchases. If you do not pay the outstanding balance in full by the payment due date (that is, if you make only a partial payment), you will incur interest charges. Hence, it is advisable to settle your credit card bills in full and promptly if you want to enjoy the use of interest free credit for your purchases.

d. Minimum Sum
A credit card holder can pay a minimum sum, which is usually three to five percent of the outstanding balance or $50, whichever is higher. If you cannot pay the bill in full, you should at least pay the minimum sum by the payment due date and rollover the balance. Note that when this happens, you lose your entitlement to interest-free credit for your current purchases as well as all subsequent purchases. Interest will then be calculated on the outstanding balance from either the date each transaction was effected, or the statement date, depending on the card issuer’s practice. New purchases will also attract interest immediately.

e. Late Payment Charge
If full or partial payment is not made by the payment due date, a late payment charge would be levied by the card issuer.

f. Interest Charge
As explained in sub-paragraph (d) above, if the outstanding balance is not paid up in full by the payment due date (that is, if you make only a partial payment), you lose your entitlement to interest-free credit for your current purchases as well as all subsequent purchases. Interest will then be calculated based on your daily outstanding balances at the rate of 0.066% per day (assuming an interest rate of 24% per annum) calculated from the date each transaction was effected or the statement date (depending on the practices of card issuer). New purchases made after the statement date will also attract interest immediately. For cash advances, interest will be charged from the date the withdrawal takes place.

g. Transactions in foreign currency
Transactions overseas charged in a foreign currency will be converted to Singapore dollars in your statement. The foreign exchange rates used to convert these transactions into local currency may vary day-to-day and from bank-to-bank. The card issuer should explain the method of applying the exchange rate to foreign currency transactions and any other fees or charges. This is usually in the form of an explanatory note printed at the back of the credit card statement.

4. Understanding the Terms & Conditions
You should read and understand the Terms and Conditions for the use of the credit card before signing the card agreement and using the credit card, as it is a binding document between you and the card issuer. The terms and conditions would cover items such as cash advance charges, finance charges for purchases, loss/stolen card liability, minimum payment, late payment charges, annual membership fees, transactions in foreign currencies, etc. Consult your card issuer to clarify any terms and conditions that you are not sure of. The card issuer will inform you in writing and give you 30 days’ notice if there are changes in the terms and conditions for the operation of your credit card. If you do not agree with the changes, you can choose to terminate the card. If you continue to use the card, you implicitly consent to the new terms and conditions.

5. Understanding the fees and charges applicable to credit cards

a. Annual fee
This is a membership fee which you have to pay for the use of the credit card.

b. Cash advance fee
This is a fee charged for every cash advance obtained by using the credit card. It normally ranges from 3% to 5% of the amount advanced, subject to a minimum amount. Please note that this fee is in addition to the interest charged on the amount advanced, which is calculated from the day of the advance.

c. Late payment charge
This is a fee imposed should you fail to pay at least the minimum sum by the payment due date.

d. Finance charges (interest charges)
Please refer to para 3(f). You are advised to ask your card issuer to explain how interest is computed, as this amount may turn out to be a large sum if you roll over your balances over an extended period of time.

6. Use your card wisely :

a. Use credit cards only when you can afford to pay off your monthly bill. Do not lose track of how much you have spent.

b. Limit the number of cards based on your needs and repayment ability.

c. Pay your bills promptly to avoid paying late fees as well as to maintain a good credit record.

d. If you pay only the minimum sum monthly, you will be paying interest on your rollover balance. This interest will be compounded if you continue to roll over your outstanding balance month after month. So try to pay off the outstanding balance as fast as possible.

e. Avoid spending up to your credit limit as you will not be able to use the credit for emergencies.

7. What if I have problems paying my outstanding credit card bills?
Non-repayment(s) or overdue repayment(s) of credit card bills will be reflected in your credit report and could adversely affect you when you apply for a new loan. A credit report contains records of an individual’s credit payment history (including bankruptcy record) and is issued by Credit Bureau (Singapore) Pte Ltd to members of the credit bureau when they make enquires about an individual applying for credit. A report that shows defaults or late payments – even 30 days late – might lower your chances of getting a loan or require you to pay a higher interest rate for a loan. You can take the following steps if you have problems managing your debt:

Contact your creditors immediately and request to work out a payment plan that can help reduce your payments to manageable levels. Pay off high interest rates debts first. Transfer debts with high interest rates to cheaper alternatives. Reduce credit card expenses and cash advances. Do note that if you have debts of $10,000 or more and are unable to repay, you can be made a bankrupt.

8. Guarding against fraud : Do’s and Dont’s
It is not always possible to prevent credit card frauds from happening. However, there are steps you can take to prevent someone else from using your credit card or your card information, at your expense.

a. Do:

i. Sign your cards with permanent ink as soon as they arrive.
ii. Keep a record of your card numbers, their expiration dates, and the phone number and address of the card issuers in a secure place.
iii. Keep an eye on your card during the transaction, and get it back as quickly as possible.
iv. Read all details on the sales slip before signing or confirming the transaction.
v. Draw a line across any blank space for entering money amounts when you sign a sales slip.
vi. Cancel incorrect sales slips and tear up cancelled slips and carbon copies.
vii. Save sales slips to compare with billing statements.
viii. Check your billing statements promptly when they arrive, especially after each overseas trip. If you
notice any discrepancies, call the card issuer immediately.
ix. Mail cheques with your card number on them in opaque envelopes.
x. Tear up pre-approved credit offers before throwing them away.
xi. Inform the card issuers immediately when you change your address. If possible, inform them in advance.
xii. Keep your cards in the same place after use. This way, you will notice immediately if they are lost or stolen.
xiii. Patronise only reputable and legitimate online stores. Check with your credit card companies on whether the online merchant complies with Payment Card Industry Data Security Standard. You can also install firewall, anti-virus and anti-spyware in your computer and update them regularly to minimise chances of malicious codes, worms or viruses being loaded into your computer.

b. Don’t:

i. Sign a blank sales slip.
ii. Give your credit card details (that is, card number and expiry date) to an unknown party as the information can be used to make unauthorised purchases via the telephone or internet. You should not disclose your password or PIN to anyone.
iii. Lend your credit card to anyone.
iv. Leave your credit cards or sales slips lying around.
v. Write your card information on a postcard or the outside of an envelope.
vi. Keep card-related information, such as your password or PIN, in the same place as your credit card.
vii. Perform online transactions in public places such as cybercafés.

9. Loss of card : What to do

a. If you lose your credit card, inform the card issuer immediately.
b. If your card is stolen, make a police report and inform the card issuer immediately.
c. Once you report the loss, you have no further responsibility for unauthorised charges. However, you are liable for any unauthorised charges made before you report the loss of your card.

10. Questions to ask before you sign up for a credit card

a. Ask yourself:

i. Why am I applying for this card?
ii. Can I pay for the purchases in full each month? Or do I intend to pay the minimum sum required and rollover the balance?
iii. If I rollover my balance, do I have the capacity to pay the accompanying charges?
iv. Do I understand the terms and conditions for the use of the card e.g. the fees and charges, interest rates and penalties?
v. What action can the bank take if I fail to settle my overdue payments?

b. Ask the card issuer:

i. If there is free membership now, how much will I have to pay after the promotion period is over?
ii. What is the minimum sum each month?
iii. If I rollover, how much interest is charged on the outstanding balance?
iv. If I do not pay the minimum sum for one month, what are the interest and other charges that I will have to pay?
v. What charges will I incur if my payment, either by cheque or GIRO, is returned for whatever reasons?
vi. What are the charges for taking cash advances in Singapore and abroad?
vii. If I lose my credit card, what must I do?
viii. What are my liabilities for unauthorised purchases if I lose my card?
ix. What is my credit limit?
x. When and how will I be informed if the terms and conditions of the contract change?


Extracted from MONEYSENSE

Copyright © Directory Genie. All Rights Reserved.