Best Credit Cards in Singapore for Students With No Credit History

If you’re a student looking for your first credit card, you’d want to make sure that it ticks all the important boxes: a low to no income requirement and a rewards program.

In case you’re living under a rock, a credit card is a great resource to pay for everyday items such as groceries and electricity. It can also be used to shop for big-ticket items like TV, smartphone, and home appliances. A credit card can make buying things more convenient and grant you perks such as cashback. But with a multitude of options out there, it can be challenging to decide which is the best one.

Thankfully, several financial institutions in Singapore offer credit cards specifically designed for students to cover their expenses without a stable income. Whether you’re a part-time or full-time student, these credit cards in Singapore will help you build a good credit score.

DBS Fresh Student Card

Made of 85.5% recycled plastic, the DBS Fresh Student Card is an eco-friendly card that allows students to dine and earn 5% cashback from food places such as McDonald’s and Starbucks. DBS also rewards you with an extra 5% cashback when you spend at eco-eateries including Just Dabao, Open Farm Community, and Restaurant Labyrinth.

Age requirement: 21-27 years old

Best for: Dining and shopping

Income: No minimum income required

Credit limit: S$500

Apply here

BOC Qoo10 Platinum MasterCard

Perfect for students and young adults, the BOC Qoo10 Platinum MasterCard gives up to a 10% rebate when used in taxis, Grab, MRT, and buses in Singapore. Aside from transportation, this card also lets you score points when you shop for groceries in the Lion City.

Age requirement: 18 years old and above

Best for: Transportation and grocery shopping

Income: No minimum income required

Credit Limit: S$500

Apply here

Citi Clear Card

Curated for dining, the Citi Clear Card allows low-income students to earn and get discounts from eating at over 1,000 eateries in Singapore including Dunkin Donuts, Subway, and Starbucks. What’s more, it also lets you earn points and redeem them in any form you prefer: cash, miles, or vouchers.

Age requirement: 18 years old and above

Best for: Dining

Income: No minimum income required

Credit limit: S$500

Apply here

Maybank eVibes Card

From shopping to dining and travelling, the Maybank eVibes Card lets you earn a 1% rebate for every transaction. It also allows tertiary students to save up to 20% on health and wellness, restaurants, online retail, and entertainment. The Maybank eVibes Card has everything a student needs, from no minimum spend to a rewards program.

Age requirement: 18-30 years old

Best for: Rewards and discounts

Income: Must not exceed S$30,000

Credit limit: S$500

Apply here

CIMB AWSM Card

The CIMB AWSM Card is specially made for low-income working students and young adults. It is one of the few cards in Singapore that allows users to earn unlimited 1% cashback on dining, entertainment, travel, and online shopping. Plus, it lets you access over 1,000 regional deals and discounts through Mastercard Tap & Go.

Age requirement: 18-29 years old

Best for: Rewards and discounts

Income: S$18,000 for salaried applicants

Credit limit: S$500

Apply here