S$1 = 8% cash rebate

on Foreign Currency Spend

S$1 = 6% cash rebate

on Online & Contactless Spend in SGD

S$1 = 0.3% cash rebate

on All Other Spend

All Details

• Key Features

  • Choice of earning up to 2.4 miles per S$1 or 8% cash rebate or 8% investment credits

  • Choose from 4 card designs that best fit your style

  • Complimentary travel insurance coverage of up to S$1m

  • Enjoy first 12 months waiver on monthly service fee

Cash Back

Excellent

• 8% Cash Rebate on Foreign Currency Spend

• 6% Cash Rebate on Online Spend in SGD

• 6% Cash Rebate on Contactless Spend in SGD

• 0.3% Cash Rebate on All Other Spend

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% Cash Rebate will be awarded on all spend.

• Cash Rebate is capped at S$25 per spend category and a total S$100 across all 4 spend categories

Air Miles

Very Good

• 2.4 miles per S$1 on Foreign Currency Spend

• 1.8 miles per S$1 on Online Spend in SGD

• 1.8 miles per S$1 on Contactless Spend in SGD

• 0.4 miles per S$1 on All Other Spend

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.4 miles per S$1 will be awarded on all spend.

• Capped at 750 Miles per spend category and a total 3,000 Miles across all 4 spend categories

Overseas Spending

Very Good

• 2.4 miles or 8% cash rebate or 8% investment credits for every S$1 on Foreign Currency Spend

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% cash rebate or 0.3% investment credits or 0.4 miles per S$1 will be awarded.

• Capped to S$25 cash rebate or S$25 investment credits or 750 miles on eligible foreign currency spend per statement month

Online Shopping

Very Good

• 1.8 miles or 6% cash rebate or 6% investment credits for every S$1 on Online Spend in SGD

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% cash rebate or 0.3% investment credits or 0.4 miles per S$1 will be awarded.

• Capped to S$25 cash rebate or S$25 investment credits or 750 miles on eligible online spend per statement month

Dining

Very Good

• 1.8 miles or 6% cash rebate or 6% investment credits for every S$1 on Contactless Spend in SGD

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% cash rebate or 0.3% investment credits or 0.4 miles per S$1 will be awarded.

• Capped to S$25 cash rebate or S$25 investment credits or 750 miles on eligible contactless spend per statement month

Shopping

Very Good

• 1.8 miles or 6% cash rebate or 6% investment credits for every S$1 on Contactless Spend in SGD

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% cash rebate or 0.3% investment credits or 0.4 miles per S$1 will be awarded.

• Capped to S$25 cash rebate or S$25 investment credits or 750 miles on eligible contactless spend per statement month

Entertainment

Very Good

• 1.8 miles or 6% cash rebate or 6% investment credits for every S$1 on Contactless Spend in SGD

• Minimum monthly spend of S$600 applies. If minimum monthly spend is not met, 0.3% cash rebate or 0.3% investment credits or 0.4 miles per S$1 will be awarded.

• Capped to S$25 cash rebate or S$25 investment credits or 750 miles on eligible contactless spend per statement month

Annual Interest Rate and Fees

Annual Principal Fee	S$15 Monthly Service Fee (GST applies)
Supplementary Annual Fee	S$7.50 Monthly Service Fee (GST applies)
Fee Waiver	Waived for first 12 months
Annual Interest Rate	27.8%
Late Payment Fees	S$100
Minimum Monthly Repayment	5% of outstanding balance or S$50 (whichever is greater), or the full amount if below S$50; plus all past due amount and any amount exceeding Credit Limit
Foreign Currency Transaction Fee	3.25%

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000 per annum
Non-Singaporean Minimum Income	S$60,000 per annum

Documents Required

SG Citizens or PRs	Apply via MyInfo
Income Tax Notice of Assessment	Latest NOA
Latest Original Computerised Payslip	Latest 3 or 6 months

Card Association

Visa

Wireless Payment

Visa Contactless