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Credit Cards - An Overview

A credit card is a system of payment named after the small plastic card issued to users of the system. In the case of credit cards, the issuer lends money to the consumer (or the user) to be paid later to the merchant. It is different from a charge card, which requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the same shape and size, as specified by the ISO 7810 standard.

Read about Credit Card - How it works

From Wikipedia, the free encyclopedia

http://en.wikipedia.org/wiki/Credit_card

OCBC Bank - Deposits

Account Type: OCBC Passbook Savings / Young Savers Account
Deposit Range: S$1 - S$10,000
Yield: 0.2500%p.a.


Account Type: OCBC Passbook Savings / Young Savers Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.2700%p.a.


Account Type: OCBC Passbook Savings / Young Savers Account
Deposit Range: S$50,001 - S$250,000
Yield: 0.3800%p.a.


Account Type: OCBC Passbook Savings / Young Savers Account
Deposit Range: Above S$250,000
Yield: 0.4800%p.a.


Account Type: OCBC Statement Savings (Without Debit Card) Account
Deposit Range: S$1 - S$10,000
Yield: 0.2500%p.a.


Account Type: OCBC Statement Savings (Without Debit Card) Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.2700%p.a.


Account Type: OCBC Statement Savings (Without Debit Card) Account
Deposit Range: S$50,001 - S$250,000
Yield: 0.3800%p.a.


Account Type: OCBC Statement Savings (Without Debit Card) Account
Deposit Range: Above S$250,000
Yield: 0.4800%p.a.


Account Type: OCBC Statement Savings (With Debit Card) Account
Deposit Range: S$1 - S$10,000
Yield: 0.2500%p.a.


Account Type: OCBC Statement Savings (With Debit Card) Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.3500%p.a.


Account Type: OCBC Statement Savings (With Debit Card) Account
Deposit Range: S$50,001 - S$250,000
Yield: 0.4000%p.a.


Account Type: OCBC Statement Savings (With Debit Card) Account
Deposit Range: Above S$250,000
Yield: 0.6500%p.a.


Account Type: OCBC Seniorate Deposit Account
Deposit Range: S$1 - S$10,000
Yield: 0.2500%p.a.


Account Type: OCBC Seniorate Deposit Account
Deposit Range: Above S$999,999
Yield: 0.2500%p.a.


Account Type: OCBC EasiSave (Without Debit Card) Account
Deposit Range: S$1 - S$10,000
Yield: 0.3000%p.a.


Account Type: OCBC EasiSave (Without Debit Card) Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.5000%p.a.


Account Type: OCBC EasiSave (Without Debit Card) Account
Deposit Range: S$50,001 - S$150,000
Yield: 0.5500%p.a.


Account Type: OCBC EasiSave (Without Debit Card) Account
Deposit Range: S$150,001 - S$1,000,000
Yield: 0.6500%p.a.


Account Type: OCBC EasiSave (Without Debit Card) Account
Deposit Range: Above S$1,000,000
Yield: 0.8000%p.a.


Account Type: OCBC EasiSave (With Debit Card) Account
Deposit Range: S$1 - S$10,000
Yield: 0.4000%p.a.


Account Type: OCBC EasiSave (With Debit Card) Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.6000%p.a.


Account Type: OCBC EasiSave (With Debit Card) Account
Deposit Range: S$50,001 - S$150,000
Yield: 0.6500%p.a.


Account Type: OCBC EasiSave (With Debit Card) Account
Deposit Range: S$150,001 - S$1,000,000
Yield: 0.7500%p.a.


Account Type: OCBC EasiSave (With Debit Card) Account
Deposit Range: Above S$1,000,000
Yield: 1.000%p.a.


Account Type: OCBC MoneyMax Account
Deposit Range: S$1 - S$10,000
Yield: 0.3000%p.a.


Account Type: OCBC MoneyMax Account
Deposit Range: S$10,001 - S$50,000
Yield: 0.5000%p.a.


Account Type: OCBC MoneyMax Account
Deposit Range: S$50,001 - S$150,000
Yield: 0.5500%p.a.


Account Type: OCBC MoneyMax Account
Deposit Range: S$150,001 - S$1,000,000
Yield: 0.6500%p.a.


Account Type: OCBC MoneyMax Account
Deposit Range: Above S$1,000,000
Yield: 0.8000%p.a.

Standard Chartered Bank - Deposits

Account Type: Standard Chartered e$aver / e$aver Kids! / World Partner Savings Deposit Account
Deposit Range: S$1 - S$49,999
Yield: 0.5000%p.a.


Account Type: Standard Chartered e$aver / e$aver Kids! / World Partner Savings Deposit Account
Deposit Range: S$50,000 - S$199,999
Yield: 0.8800%p.a.


Account Type: Standard Chartered e$aver / e$aver Kids! / World Partner Savings Deposit Account
Deposit Range: S$200,000 and above
Yield: 1.0000%p.a.


Account Type: Standard Chartered OneAccount Deposit Account
Deposit Range: S$1 - S$8,000
Yield: 0.2000%p.a.


Account Type: Standard Chartered OneAccount
Deposit AccountDeposit Range: S$8,001 - S$50,000
Yield: 0.2000%p.a.


Account Type: Standard Chartered OneAccount
Deposit AccountDeposit Range: S$100,001 - S$250,000
Yield: 0.4750%p.a.


Account Type: Standard Chartered OneAccount Deposit Account
Deposit Range: S$250,001 - S$1,000,000
Yield: 0.4750%p.a.


Account Type: Standard Chartered OneAccount Deposit Account
Deposit Range: Above S$1,000,000
Yield: 0.5000%p.a.

UOB - Deposits

Account Type: UOB High Yield Account
Deposit Range: Less than S$200,000
Yield: 0.5500%p.a.


Account Type: UOB High Yield Account
Deposit Range: S$200,000 to less than S$500,000
Yield: 0.7000%p.a.


Account Type: UOB High Yield Account
Deposit Range: S$500,000 to less than S$1million
Yield: 1.0000%p.a.


Account Type: UOB High Yield Account
Deposit Range: S$1 million and above
Yield: 1.2000%p.a.


Account Type: UOB FlexiDeposit Account
Deposit Range: S$1 - S$15,000
Yield: 0.3500%p.a.


Account Type: UOB FlexiDeposit Account
Deposit Range: S$15,001 - S$100,000
Yield: 0.4500%p.a.


Account Type: UOB FlexiDeposit Account
Deposit Range: S$100,001 - S$300,000
Yield: 0.6500%p.a.


Account Type: UOB Uniplus / TX Accounts
Deposit Range: S$1 - S$3,000
Yield: 0.2500%p.a.


Account Type: UOB Uniplus / TX Accounts
Deposit Range: S$3,001 - S$50,000
Yield: 0.2750%p.a.


Account Type: UOB Uniplus / TX Accounts
Deposit Range: S$50,001 - S$100,000
Yield: 0.3750%p.a.


Account Type: UOB Uniplus / TX Accounts
Deposit Range: Above S$100,000
Yield: 0.4750%p.a.


Account Type: UOB Passbook Savings / Junior Savers / Fun Savers / Coins Bank Accounts
Deposit Range: S$1 - S$3,000
Yield: 0.2500%p.a.


Account Type: UOB Passbook Savings / Junior Savers / Fun Savers / Coins Bank Accounts
Deposit Range: S$3,001 - S$50,000
Yield: 0.2750%p.a.


Account Type: UOB Passbook Savings / Junior Savers / Fun Savers / Coins Bank Accounts
Deposit Range: S$50,001 - S$100,000
Yield: 0.3750%p.a.


Account Type: UOB Passbook Savings / Junior Savers / Fun Savers / Coins Bank Accounts
Deposit Range: Above S$100,000
Yield: 0.4750%p.a.


Account Type: UOB i-Account / Campus Accounts
Deposit Range: S$1 - S$15,000
Yield: 0.3500%p.a.


Account Type: UOB i-Account / Campus Accounts
Deposit Range: S$15,001 - S$100,000
Yield: 0.4500%p.a.


Account Type: UOB i-Account / Campus Accounts
Deposit Range: S$100,001 - S$300,000
Yield: 0.6500%p.a.


Account Type: UOB i-Account / Campus Accounts
Deposit Range: Above S$300,000
Yield: 0.7500%p.a.


Account Type: UOB CPF Investment Account /SRS Accounts
Deposit Range: S$1 - S$10,000
Yield: 0.1250%p.a.


Account Type: UOB CPF Investment Account /SRS Accounts
Deposit Range: Above S$10,000
Yield: 0.2500%p.a.

CitiBank - Loans

Account Type: Citibank PayLite
Loan Amt: $10,001 - $50,000
Duration(mths): 12
Interest: 10.68%




Account Type: Citibank PayLite
Loan Amt: $10,001 - $50,000
Duration(mths): 24
Interest: 10.91%



Account Type: Citibank PayLite
Loan Amt: $1,000 - $10,000
Duration(mths): 12
Interest: 12.47%



Account Type: Citibank PayLite
Loan Amt: $1,000 - $10,000
Duration(mths): 24
Interest: 12.70%



Account Type: Citibank PayLite
Loan Amt: $10,001 - $50,000
Duration(mths): 36
Interest: 14.34%



Account Type: Citibank PayLite
Loan Amt: $1,000 - $10,000
Duration(mths): 36
Interest: 16.04%

POSB - Credit Cards

POSB Everyday Credit Card:
Income Requirements: $30,000 pa
Fees: $36 pa
Interest: 24% pa

Diner - Credit Cards

Diners Club International Credit Card:
Income Requirements: $30,000 pa
Fees: $100 pa
Interest: 24% pa

DBSBank - Deposits

Account Type: DBS Autosave (Non-Personal)
Deposit Range: $250,001 - $999,999
Yield: 0.63%



Account Type: DBS Autosave (Personal)
Deposit Range: $100,001 - $999,999
Yield: 0.6%



Account Type: DBS Savings Plus
Deposit Range: $100,001 - $999,999
Yield: 0.475%



Account Type: POSB Passcard/Passbook
Deposit Range: $100,001 - $999,999
Yield: 0.475%



Account Type: DBS Autosave (Personal)
Deposit Range: $50,001 - $100,000
Yield: 0.45%



Account Type: DBS Autosave (Non-Personal)
Deposit Range: $50,001 - $250,000
Yield: 0.45%



Account Type: DBS Savings Plus
Deposit Range: $50,001 - $100,000
Yield: 0.375%



Account Type: POSB Passcard/Passbook
Deposit Range: $50,001 - $100,000
Yield: 0.375%



Account Type: DBS Autosave (Personal)
Deposit Range: $3,001 - $50,000
Yield: 0.35%



Account Type: DBS Autosave (Non-Personal)
Deposit Range: $3,001 - $50,000
Yield: 0.35%



Account Type: DBS Savings Plus
Deposit Range: $3,001 - $50,000
Yield: 0.275%



Account Type: POSB Passcard/Passbook
Deposit Range: $3,001 - $50,000
Yield: 0.275%



Account Type: DBS Savings Plus
Deposit Range: $1 - $3,000
Yield: 0.25%



Account Type: DBS Autosave (Personal)
Deposit Range: $1 - $3,000
Yield: 0.25%



Account Type: DBS Autosave (Non-Personal)
Deposit Range: $1 - $3,000
Yield: 0.25%



Account Type: POSB Passcard/Passbook
Deposit Range: $1 - $3,000
Yield: 0.25%

Maybank - Deposits

Account Type: Maybank iSavvy Savings Account
Deposit Range: $50,000 - $999,999
Yield: 1.280%



Account Type: Maybank iSavvy Savings Account
Deposit Range: $5,000 - $49,999
Yield: 1.080%



Account Type: Maybank Youngstarz Account
Deposit Range: $50,001 - $999,999
Yield: 1%



Account Type: Maybank SaveUp Account
Deposit Range: $50,001 - $999,999
Yield: 1%



Account Type: Maybank SaveUp Account
Deposit Range: $1 - $3,000
Yield: 0.5%



Account Type: Maybank SaveUp Account
Deposit Range: $3,001 - $50,000
Yield: 0.5%



Account Type: Maybank Youngstarz Account
Deposit Range: $1 - $3,000
Yield: 0.5%



Account Type: Maybank Youngstarz Account
Deposit Range: $3,001 - $50,000
Yield: 0.5%



Account Type: Maybank PremierOne Account
Deposit Range: $3,001 - $50,000
Yield: 0.375%



Account Type: Maybank PremierOne Account
Deposit Range: $50,001 - $999,999
Yield: 0.375%



Account Type: Maybank Savings Account
Deposit Range: $3,001 - $50,000
Yield: 0.375%



Account Type: Maybank Savings Account
Deposit Range: $50,001 - $999,999
Yield: 0.375%



Account Type: Maybank PremierOne Account
Deposit Range: $1 - $3,000
Yield: 0.250%



Account Type: Maybank Savings Account
Deposit Range: $1 - $3,000
Yield: 0.250%



Account Type: Maybank iSavvy Savings Account
Deposit Range: $1 - $4,999
Yield: 0.250%

HSBC - Deposits

Account Type: HSBC S$ Premier Account
Deposit Range: $100,000 - $999,999
Yield: 0.85%



Account Type: HSBC S$ Premier Account
Deposit Range: $50,000 - $99,999
Yield: 0.6%



Account Type: HSBC S$ PowerVantage
Deposit Range: $50,000 - $999,999
Yield: 0.5%



Account Type: HSBC S$ Premier Account
Deposit Range: $15,000 - $49,999
Yield: 0.35%



Account Type: HSBC S$ PowerVantage
Deposit Range: $15,000 - $49,999
Yield: 0.3%



Account Type: HSBC S$ Passbook and Savings Account
Deposit Range: $50,000 - $999,999
Yield: 0.25%



Account Type: HSBC S$ PowerVantage
Deposit Range: $5,000 - $14,999
Yield: 0.2%



Account Type: HSBC S$ Premier Account
Deposit Range: $5,000 - $14,999
Yield: 0.2%



Account Type: HSBC S$ PowerVantage
Deposit Range: $500 - $4,999
Yield: 0.15%



Account Type: HSBC S$ Premier Account
Deposit Range: $1 - $4,999
Yield: 0.15%



Account Type: HSBC S$ Passbook and Savings Account
Deposit Range: $1 - $2,000
Yield: 0.125%



Account Type: HSBC S$ Passbook and Savings Account
Deposit Range: $2,001 - $49,999
Yield: 0.125%

Hong Leong Finance - Deposits

Account Type: Hong Leong Finance Savings Account
Deposit Range: $50,000 - $2,000,000
Yield: 0.75%



Account Type: Hong Leong Finance Savers Plus
Deposit Range: $50,000 - $2,000,000
Yield: 0.375%



Account Type: Hong Leong Finance Savers Plus
Deposit Range: $500 - $49,999
Yield: 0.25%



Account Type: Hong Leong Finance Savings Account
Deposit Range: $500 - $49,999
Yield: 0.25%

CitiBank - Deposits

Account Type: Citibank Step Up Savings Account
Deposit Range: $1 - $999,999
Yield: 0.688%



Account Type: Citibank Maxi Save
Deposit Range: $50,000 - $999,999
Yield: 0.35%



Account Type: Citibank Maxi Save
Deposit Range: $30,000 - $49,999
Yield: 0.25%



Account Type: Citibank Maxi Save
Deposit Range: $1 - $29,999
Yield: 0.2%

Bank of India - Deposits

Account Type: Bank Of India S$ Savings Account
Deposit Range: $1 - $50,000
Yield: 0.75%

ABN AMRO - Deposits

Account Type: ABN AMRO Millennium Account
Deposit Range: $50,001 - $999,999
Yield: 0.4%



Account Type: ABN AMRO SGD Van Gogh Account
Deposit Range: $50,001 - $999,999
Yield: 0.4%



Account Type: ABN AMRO Millennium Account
Deposit Range: $10,001 - $50,000
Yield: 0.3%



Account Type: ABN AMRO SGD Van Gogh Account
Deposit Range: $10,001 - $50,000
Yield: 0.3%



Account Type: ABN AMRO S$ Savings Account
Deposit Range: $50,000 - $999,999
Yield: 0.25%



Account Type: ABN AMRO S$ Savings Account
Deposit Range: $10,001 - $49,999
Yield: 0.2%



Account Type: ABN AMRO Millennium Account
Deposit Range: $1 - $10,000
Yield: 0.2%



Account Type: ABN AMRO SGD Van Gogh Account
Deposit Range: $1 - $10,000
Yield: 0.2%



Account Type: ABN AMRO S$ Savings Account
Deposit Range: $1 - $10,000
Yield: 0.15%

UOB - Credit Cards

Credit Card Name: UOB Visa Gold Smart Card
Income Requirements: $48,000 pa
Fees: $125 pa
Interest: 24% pa



Credit Card Name: UOB Visa Signature Card Income Requirements: $50,000 pa
Fees: $200 pa
Interest: 24% pa



Credit Card Name: UOB Visa Preferred Platinum Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa



Credit Card Name: UOB One Card
Income Requirements: $30,000 pa
Fees: $60 pa
Interest: 24% pa



Credit Card Name: UOB Tung Lok Visa Platinum Card
Income Requirements: $50,000 pa
Fees: $180 pa
Interest: 24% pa



Credit Card Name: UOB Lady’s Platinum Mastercard Card
Income Requirements: $50,000 pa
Fees: $180 pa
Interest: 24% pa



Credit Card Name: UOB Mastercard Lady’s Card
Income Requirements: $30,000 pa
Fees: $60 pa
Interest: 24% pa



Credit Card Name: UOB Metro Visa Gold Card
Income Requirements: $30,000 pa
Fees: $50 pa
Interest: 24% pa



Credit Card Name: UOB ORA Visa Card
Income Requirements: $30,000 pa
Fees: $0 pa
Interest: 24% pa



Credit Card Name: UOB SingTel Visa Platinum Card
Income Requirements: $30,000 pa
Fees: $0 pa
Interest: 24% pa


Credit Card Name: UOB HPL Visa Card
Income Requirements: $30,000 pa
Fees: $100 pa
Interest: 24% pa


Credit Card Name: UOB JCB Gold Card
Income Requirements: $30,000 pa
Fees: $125 pa
Interest: 24% pa


Credit Card Name: UOB SP Alumni Visa Platinum Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa

Standard Chartered - Credit Cards

Credit Card Name: Standard Chartered Platinum Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa


Credit Card Name: Standard Chartered Platinum Access Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa


Credit Card Name: Standard Chartered Platinum Business Card
Income Requirements: $30,000 pa
Fees: $150 pa
Interest: 24% pa


Credit Card Name: Standard Chartered NUS Alumni Platinum Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa


Credit Card Name: Standard Chartered Prudential Platinum Card
Income Requirements: $30,000 pa
Fees: $180 pa
Interest: 24% pa


Credit Card Name: Standard Chartered PruPrestige Visa Signature Card (By invitation)
Income Requirements: $30,000 pa
Fees: $480 pa
Interest: 24% pa

DBS - Credit Cards

Credit Card Name: DBS NUS Alumni Credit Card
Income Requirements: $30,000
Fees: $120 pa
Interest: 24% pa




Credit Card Name: BHG Visa Platinum Card
Income Requirements: $50,000
Fees: $130 pa
Interest: 24% pa



Credit Card Name: BHG Visa Classic Card
Income Requirements: $30,000
Fees: $40 pa
Interest: 24% pa




Credit Card Name: DBS SAAB Visa Platinum Card
Income Requirements: $50,000
Fees: $150 pa
Interest: 24% pa




Credit Card Name: DBS Live Fresh DBS Visa Platinum Card
Income Requirements: $30,000
Fees: $180 pa
Interest: 24% pa




Credit Card Name: DBS AirAsia Credit Card
Income Requirements: $30,000
Fees: $30 pa
Interest: 24% pa




Credit Card Name: DBS Altitude American Express® Card
Income Requirements: $80,000
Fees: $180 pa
Interest: 24% pa




Credit Card Name: POSB Everyday Credit Card
Income Requirements: $30,000
Fees: $36 pa
Interest: 24% pa



Credit Card Name: DBS Visa Platinum Card
Income Requirements: $50,000
Fees: $180 pa
Interest: 24% pa




Credit Card Name: DBS Woman's MasterCard Card
Income Requirements: $30,000
Fees: $60 pa
Interest: 24% pa




Credit Card Name: DBS Black American Express® Card
Income Requirements: $48,000
Fees: $150 pa
Interest: 24% pa



Credit Card Name: DBS Takashimaya Visa Gold Card
Income Requirements: $45,000
Fees: $150 pa
Interest: 24% pa



Credit Card Name: DBS MasterCard Platinum Card
Income Requirements: $50,000
Fees: $180 pa
Interest: 24% pa




Credit Card Name: DBS Takashimaya Platinum American Express® Card
Income Requirements: $50,000
Fees: $180 pa
Interest: 24% pa



Credit Card Name: DBS Takashimaya Visa Classic Card
Income Requirements: $30,000
Fees: $36 pa
Interest: 24% pa




Credit Card Name: DBS Esso MasterCard Gold Card
Income Requirements: $45,000
Fees: $150 pa
Interest: 24% pa




Credit Card Name: DBS Gold American Express® Card
Income Requirements: $45,000
Fees: $150 pa
Interest: 24% pa



Credit Card Name: DBS Visa Gold Card
Income Requirements: $45,000
Fees: $150 pa
Interest: 24% pa



Credit Card Name: DBS Esso MasterCard Standard Card
Income Requirements: $30,000
Fees: $36 pa
Interest: 24% pa




Credit Card Name: DBS CapitaCard Visa Platinum Credit Card
Income Requirements: $30,000
Fees: $150 pa
Interest: 24% pa



Credit Card Name: DBS MasterCard Standard Card
Income Requirements: $30,000
Fees: $36 pa
Interest: 24% pa



Credit Card Name: DBS Visa Classic Card
Income Requirements: $30,000
Fees: $36 pa
Interest: 24% pa

AMEX - Credit Cards

Credit Card Name: American Express® Personal Charge Card
Income Requirements: $30,000 pa
Fees: $120 pa
Interest: 24% pa

Credit Card Name: American Express® Gold Charge Card
Income Requirements: $55,000 pa
Fees: $180 pa
Interest: 24% pa

Credit Card Name: American Express® Platinum Charge Card
Income Requirements: By Invitation Only

Credit Card Name: American Express® Blue Credit Card
Income Requirements: $30,000 pa
Fees: $60 pa
Interest: 24% pa

Credit Card Name: American Express® Gold Credit Card
Income Requirements: $48,000 pa
Fees: $160 pa
Interest: 24% pa

Credit Card Name: American Express® Platinum Credit Card
Income Requirements: $55,000 pa
Fees: $300 pa
Interest: 24% pa

Credit Card Name: American Express® Platinum Reserve Credit Card
Income Requirements: $150,000 pa
Fees: $500 pa
Interest: 24% pa

Credit Card Name: American Express® Singapore Airlines KrisFlyer Gold Credit Card
Income Requirements: $40,000 pa
Fees: $50 pa
Interest: 24% pa

Credit Card Name: American Express® Singapore Airlines PPS Club Platinum Credit Card
Income Requirements: $30,000 pa
Fees: $150 pa
Interest: 24% pa