With the extensive variety of credit cards offering different perks, looking for the right card for you can be difficult. Comparing credit cards and finding out which one best suits your lifestyle and your needs can involve tremendous spreadsheets and getting the opinions of everyone on social media.
Beauty junkies out there, we feel you. We may spend a lot, but we don’t want to also feel like we’re getting a bad deal out of things. If there are avenues for us to save on other areas as we spend, there is no reason for us not to take it.
If you love pampering yourself and spending on beauty products and services, consider signing up for these credit cards!
Psst… If you didn’t know, you can also compare more credit cards with cashback and rewards on Finty.com.
1. For the rabid online shopper
Standard Chartered Spree Credit Card
Source: BankBazaar.sg
Always eyeing the American or Korean cult beauty products that are still not available in Singapore? If you frequently purchase beauty products from international sites, the Standard Chartered Spree Credit Card will be an excellent choice for you!
The Spree Credit Card offers an unbeatable rate of 3% cashback on all online spend in foreign currency up to SGD60, with no minimum spending. Online spends, contactless and mobile payment made in local currency are also offered the competitive cashback rate of 2%. Cashback is capped at SGD60 monthly.
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD60,000
What We Like
- Online Price Guarantee (this means for eligible spends, you’ll get a 50% refund of the price difference if you find a similar item at a lower price within 30 days)
- Low barriers to entry
- No minimum spend required to enjoy cashback
What We Dislike:
- Cashback of only 1% for all other retail spend not done online
- Online Price Guarantee does not extend to cosmetics!
2. For those who love department stores
Citi Rewards Card
If you love being able to browse through rows and rows of different sized palettes and pots of makeup, go for the Citi Rewards Card!
For every dollar spent at Duty Free Singapore (DFS), Takashimaya, and Tangs, 20 Reward points will be credited into your account. When you’re shopping for shoes, clothes, or bags online or in retail stores anywhere in the world, you’ll also be earning 10 Reward points for each dollar you spend. All other spend on the card will give you 1 Reward point.
Your Rewards points can be redeemed for a variety of different perks like cash rebates, home appliances, electronics.
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD42,000
What We Like
- First-time cashback of up to SGD120
- Diverse number of international merchants for reward redemption even on holidays
- Low barriers to entry
What We Dislike
- Waiver of only one year on basic card annual fee
- Although there is no minimum spend, you’ll have to spend a substantial amount in order to be able to redeem the bigger rewards. For example, you’ll need 87,500 Reward points to redeem a round trip to Seoul.
3. For the spa junkie
UOB Lady’s Card
The UOB Lady’s Card offers you 20% off all Spa Retreat’s treatments and services at One Farrer Hotel and Spa as well as 15% off all weekday body massages at The Spa at Mandarin Oriental if you’re feeling like some mid-week TLC!
Continue the wellness journey with beauty products and supplements with 2% SMART$ rebate at Guardian for transactions more than or equals to SGD100.
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD40,000
- Minimum deposit of SGD500
What We Like
- No fees required with a minimum deposit of SGD500
- Up to 20% at participating outlets at in Changi Airport Terminals 1,2 and 3
- Low barriers to entry
What We Dislike
- Interest rate provided is dependent on account balance.
4. For holistic beauty
DBS Woman’s Card
Apart from makeup and skincare, connect with your mind while taking care of your body for all-around to look and feel beautiful. The DBS Woman’s Card offers complimentary access to True Fitness and True Yoga twice a month for a stress-relieving breather from the bustle of work and life!
For every SGD5 spent online, this card also offers 5X DBS points or 10 miles.
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD45,000
What We Like
- Pay for your purchases later with 0% interest payment plans
- Low barriers to entry
What We Dislike
- Lacklustre benefits for shopping done in retail stores at 1X DBS point or 2 miles per SGD5 spent
5. For the diehard shopaholics
Standard Chartered Unlimited Cashback Credit Card
If you’re a big spender, the Standard Chartered Unlimited Cashback offers an attractive 1.5% cashback on local spend, and 3% cashback on all foreign currency spending for the first three months. And of course, as the suggests, cashbacks on this card is unlimited, so the more you spend the more you reap!
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD60,000
What We Like
- Doubles up as an EZ-link card
- Additional 20% cashback on Grab rides of up to SGD50 with min spend of SGD900 per month
- Low barriers to entry
What We Dislike
- After the first three months, all your eligible spends will have a cashback of 1.5%, which is nowhere near as competitive as the Standard Chartered Spree Card’s rate of 3%. However, this this card is ideal for those who earn big and spend big, since it doesn’t have a cap on its cashback.
6. For the beauty junkies with bills to pay for
DBS Live Fresh Card
We love how the DBS Live Fresh Card‘s cashback rate for online spending is the most competitive out of the ones we’ve listed so far. You’ll be able to enjoy 4.7% cashback on any online spend, whether local or overseas. What’s more, you also get the same cashback rate of 4.7% when you pay for any purchase via Visa PayWave at a retail store.
Eligibility
Minimum annual income for
- Singapore Citizens and Permanent Residents: SGD30,000
- Foreigners with employment passes: SGD45,000
What We Like
- Card comes automatically enrolled for EZ-Reload, you only have to activate it and you can start using it as your EZ-link card, without ever having to top it up again.
- Card can also double up as an ATM card, you can link it to your DBS or POSB account to start using.
- Attractive cashback rate of 4.7% of eligible spends online and via Visa PayWave contactless payment.
- Low barriers to entry
What We Dislike
- There is a minimum spend of SGD600 monthly in order to enjoy your 4.7% cashback from spends online and via Visa PayWave. The Qualifying Spend can be on retail transactions, but recurring bill payments can also qualify, whether in local or foreign currency. If you have bills nearing SGD600 per month, you’re all set.
- If you don’t hit the minimum spend, all your spends on the card will have a cashback rate of only 0.3%.
