Calculating wedding expenses can be a pain in the neck. Credit cards are a fantastic way to make purchasing all your wedding needs more convenient and easier to keep track of. Not only so, credit cards often come with attractive rewards and benefits that you can enjoy! The best credit cards are the ones that will give you a great amount of Cashback on your spending, as well as rewards that you can redeem from the accumulation of points. Rewards can range from those that will help you offset your wedding costs, or travel privileges that will be useful when you go for your honeymoon!
Image courtesy of Digio Bridal
With that being said, credit cards should never be used in place of real money, and you should only apply for one if you are sure of being able to pay off what you charge to your credit card. Not being able to do so would incur unwanted interest, making it a source of a bad headache as you plan for your big day. Keeping that in mind, here are 10 great credit card deals for your wedding!
1. The Most Desirable Card
Image Courtesy of Standard Chartered
With
Standard Chartered MANHATTAN World MasterCard®, you’ll be promised with unbelievably great benefits that you don’t want to miss. Earn up to 3% Cashback when you spend S$3,000 and above every month, accumulating up to S$800 Cashback within a year (each quarter’s Cashback is capped at S$200)!
With a good credit score, you may be able to get interest rates as low as 12% per annum (up to 24.455%), helping you save extensively on the interest you have to pay every year! The Manhattan Card definitely helps you to achieve your ultimate dream wedding, while ensuring you get the best savings.
2. The Generous Card
Image Courtesy of UOB
Undoubtedly dubbed ‘Singapore’s most generous rebate card’,
UOB One Card lives up to its name. This card offers you cash rebate as generous as 5% on all your purchases! Wedding costs can run up to thousands of dollars, but with the UOB One Card, you can get 5% rebate on all spending above S$2,000 and 3.33% on spending below that amount. With so many things to buy in the few months of preparation, you’ll definitely satisfy the requirement of having a minimum of 3 purchases monthly to earn the cash rebate every quarter!
As you spend, you also want to save. Not only does UOB One Card gives you attractive cash rebate, but also takes care of your savings. Watch your savings pile up, as you earn up to 3.33% interest rate on your savings in your UOB One Account.
3. The Honeymoon Card
Image Courtesy of Citibank
Spending money on your wedding AND planning for your honeymoon at the same time? You’ve got to be kidding me. But with the
Citi PremierMiles Visa Card, you can do just that. Accumulate Citi Miles points, which will never expire, as you spend both locally and overseas, which can be used to redeem cash vouchers at various participating travel related stores! By renewing your membership annually, you will automatically gain 10,000 bonus points. With no minimum spending required, earn as many points as you spend.
When you finally embark on your honeymoon, you’d be so glad to know how much you will save by previously charging your wedding expenses to this card. Your Citi Miles points can be used to offset any purchases at travel-related stores in Singapore, while also getting cash rebates on any travel related purchases. Also enjoy exclusive travel privileges, hotel and flight deals when you use your Citi PremierMiles Visa Card.
While the eligibility criteria of an annual minimum income of S$50,000 may be a little steep, its deals are too good to be missed.
4. The Gratification Card
Image Courtesy of American Express
With the
American Express® True Cashback Card, purchasing your wedding needs has never been that satisfying. In addition to 1.5% Cashback on all purchases with no minimum spending, you will get a 3% Cashback for the first 6 months of membership up to a total of S$5,000! Being an American Express card member entitles you to numerous exclusive deals. Check out their card member promotions, with new promotions popping up all year round, and you might find discounts and great deals just in time for your big day! (Pssst, American Express does partner with hotels and wedding retail merchants from time to time!)
5. The Really Rewarding Card
Image Courtesy of Money Smart
The
HSBC Advance Visa Platinum beats all other cards in its promising rewards. Whether is it entertainment, dining or online transactions, you will receive 10x HSBC Reward points for every dollar spent! With every dollar spent on anything else, you earn 1 HSBC Reward point. With no minimum spending required, you can accumulate and earn as many HSBC Reward points as you like. With such a high reward system, you can use your HSBC Reward points to redeem shopping vouchers which will come in handy throughout your planning phase, as well as vacation vouchers which you can enjoy when it’s time to take a break!
6. The All-In-One Card
Image Courtesy of Citibank
Sometimes, you just need one and only one card for everything. The
Citibank DIVIDEND Card is a card that you must get your hands on. Save on your daily spending so that you have more to spend on your wedding, as you get 8% Cashback on petrol, groceries and dining, inclusive of already incredible discounts and privileges of being a Citibank card member. Thinking of shipping your luxurious bridal gown from overseas? No worries, as this card guarantees a 5% Cashback on online shipping charges! What’s even better is that all these benefits are yours as long as you meet the minimum income requirement of $30,000 per annum. If you’re looking for a card that will see you past your wedding, then this card is the perfect option.
7. The Lady’s Card
Image Courtesy of UOB
Just like how everyone can’t wait for sneak-peeks of the bride at a wedding, the
UOB Lady’s Platinum Card is perfect for the bride-to-be. All that shopping for your special day can be exchanged for UNI$, to be later exchanged for vouchers of your choice. Take your time to pick out the perfect pair of shoes, because you’d be treated to free 2-hours weekend parking at various shopping malls like Paragon, Raffles City and United Square.
Sometimes we can’t help but splurge on something that we really really like. Now you can convert your purchases that are S$500 or more into a 6 or 12-month instalment plan with the UOB Lady’s LuxePay Plan. With no interest rates or processing charges, you can now invest in those heels you’ve been eyeing.
8. The Shopping Card
Image Courtesy of Citibank
A lot of shopping has to be done for your wedding to find the right shoes and the right accessories, and
Citibank Rewards Card allows you to have the most fruitful shopping experience ever. Whether you decide to shop locally or abroad, every dollar spent translates to 10 Rewards Points, and all other spending gives you 1 Reward Point for every $1 spent. Use your points accumulated to redeem for retail or travel vouchers, or even cash rebate instantly!
9. The Limitless Card
Image Courtesy of ANZ
You can do everything with the
ANZ Optimum World MasterCard® Credit Card. Based on your lifestyle, choose from a wide variety of categories every quarter of the year to decide where you would like to get 5% cash rebate from, in addition to the 1% cash rebate that you will get from the other categories. Going to spend more on shopping for your wedding this quarter? No problem! Simply switch to another desired category right after you’re done with planning! There is no limit on the amount of cash rebate you can accumulate, and no minimum spending required!
Being a World MasterCard® holder, you will get exclusive offers on hotels and dining options around the globe, perfect for you if you plan on travelling the world with your partner.
All these privileges do come with a criteria: a minimum annual income of S$80,000.
10. The First-Rate Card
Image Courtesy of UOB
Using the
UOB Visa Signature Card, you can earn 5% cash rebate on overseas, online, petrol and Visa payWave transactions, as well as 0.5% Cashback on all your other spending. Earn UNI$ when you charge your purchases to this card, where you can use them to redeem vouchers, cash rebate and even travel miles points! With a minimum income of S$50,000 per annum, you will be able to enjoy all these benefits.
Image courtesy of Digio Bridal
Having a credit card at hand will definitely aid in the process of shopping and preparing for your wedding. Remember to do sufficient research, to find a card that best suits your needs, before signing up for a credit card!
