The Real Singapore

There are several things that you need pay attention to when you are getting a credit card in Singapore such as the rate of interest, the annual fee of the card, charges that would decide how expensive or inexpensive our credit card is going to be. But there is one major charge that most of us ignore when studying a credit card and that is APR. APR or Annual Percentage Rate is the rate of interest one has to pay for borrowing on their credit card. Different types of APR There are different types of APR that we don’t know about. Let’s learn more about the different types of APR: Purchase APR: Purchase APR is applicable on all the purchases made on the credit card. This is very different from the rate of interest charged. Balance Transfer APR: Balance Transfer APR is charges applied when one transfers a balance to their new credit card. Cash advance APR: Cash Advance APR is the interest rate charged whenever the cardholder makes a withdrawal with the card. APR grace...

Credit cards have come a long way since their inception. From offering the simple advantage of allowing cardholders to purchase items without the need for physical cash, credit cards nowadays have been tailored to appeal to various consumer segments. In this regard, one of the biggest advantages a credit card can offer is rewards for expenses charged to the card. These rewards can range from actual reward points that can be accumulated and redeemed for a wide variety of gifts to cashback, wherein a small percentage of the money spent using the card is credited back to the cardholder’s account to frequent flyer miles which can be accrued and redeemed for discounted airfare or upgrading existing flight tickets. Choosing a credit card in Singapore that offers rewards can be quite a confusing task. Firstly, a cardholder should ensure the card actually provides a reward that will be beneficial to them. There’s no point in settling for a travel card giving miles if you barely use ...

Benefits of Using Petrol Credit Card for Reward and Cashback in Singapore When it comes to expenditures for Singaporeans, fuel is one of the biggest expenditure. Living in a small island like ours, it’s surprising how much we spend on fuel. The rising petrol prices does not help our cause. The best way to cut down on fuel costs is through fuel cards or petrol cards in this case. There are more than 50 petrol cards in Singapore, each very different from the other. In this article, we will discuss the top petrol cards in Singapore that will cater to the different fuel card requirements of Singaporeans. OCBC 365 credit card OCBC 365 credit card is one of the best credit cards out there that will not only help you save up on petrol but will also help you save up in different categories. The card not only lets you save up to 22.2% on petrol but will also help you save up to 6% on dining and 3% on online shopping. What more can you want when you have a credit card like this? ...

Reward points and cashbacks are amongst the most sought after features that customers look out for in credit cards. While cashbacks enable you to earn discounts on almost all purchases you make, reward points can be redeemed for exciting vouchers, discounts, air miles and more. The rewards catalogue can vary from bank to bank and depend on the type of card in question. Let us make a comparison of the best credit cards in terms of reward points offered .  The American Express Platinum Credit Card The American Express Platinum Credit Card is amongst the best credit cards offered by American Express in terms of reward points that can be earned. Here are some notable features of the card.  Earn a discount of 20% on base fares at Korean Air and 35% at Proof Living on international labels.  Enjoy a discount of 10% at Etihad Airways and 10% off on your dining bill at Carousel.  The annual fee for the first two supplementary cards is perennially waived until t...