Do you have the right credit card for your lifestyle? Credit cards in Singapore aren't made equal; some are highly prestigious while others are more accessible. For instance, you have options if you're on the hunt for cards that reward you with points or miles that never ever expire.

Depending on your lifestyle and needs, your ideal card combination that will help you get more bang for your buck may not necessarily be the same as your best friend's or your parents'. Here, we at GET.com put together the 3 best card combinations that suit people according to their lifestyle inclinations and preferences.

Credit Card Mix: 3 Cards That Best Suit Your Personality

1. The Young & Carefree One

If you're young and carefree, I would imagine you to be quite a greenhorn in the workforce having just left school not too long ago. You're probably someone who's just started learning about the importance of saving and how mom was right in that it isn't that easy to earn money. Make sure you check out these 4 things to consider before getting your first credit card!

The American Express® True Cashback Card is definitely a fuss-free card that is great even for beginners since you get to earn a flat 1.5% rebate on all your spending without any annoying clauses like minimum spend or maximum rebates you can earn. Whether you're spending $5 on your DIY salad at Cold Storage or $200 shopping at Topshop, you'll still earn the rebate across all your spending. For the first 6 months, you get to enjoy double cashback which is 3% on your first $5000 spend. The American Express® True Cashback Card has a $171.20 annual fee (waived for the first year). Also, you only need to be making at least $30,000 per annum to be eligible for this card.

Citibank Rewards Card VISA is an excellent card for shopaholics as this card comes with a pretty flexible rewards programme that allows you to redeem your rewards points for shopping vouchers, dining vouchers, rebates and even air miles. Those who have a penchant for buying clothes, shoes and handbags would stand to gain the most whether you're shopping in brick-and-mortar stores, departmental stores or online because you earn 10X Rewards (10 points or 4 Miles) for every $1 spent on these purchases, with the exception of travel-related purchases. Citibank Rewards Card VISA has an annual fee of $192.60, waived the first year. Plus, you only need to be earning above $30,000 per annum to get your hands on this card.

UOB YOLO Credit Card is a pretty good card if you're someone who likes to snag awesome 1-for-1 drinks and dining deals. As its name suggests, this card is obviously targeted at millennials like you and I. Who would say no to 1-for-1 movie deals, fancy cocktails and shots, and Instagram-worthy food at restaurants? And if you can chalk up a minimum spend of $600 in a month, you'll get to enjoy a pretty solid 8% cashback on weekend dining and 3% cashback on weekday dining no matter whether you're grabbing a bite at Burger King or a Michelin-star-worthy restaurant. UOB YOLO Credit Card has a $192.60 annual fee (waived 1 year). Similar to the above-mentioned two cards, the minimum income requirement for this card stands at $30,000 per annum.

For people who are diehard shopaholics, definitely check out these 3 best spots for the most gratifying personal shopping experience in Singapore that you could ever imagine and these best shopping discount cards to get in Singapore. Those who are new to online shopping will find our online shopping guide super handy.

Those who love exploring and experimenting with drinks ought to check out these 4 bars with the quirkiest cocktails you'll ever stomach and these 4 best places for refreshing cold brews in Singapore. And if the idea of whiling your afternoon away nibbling on dainty treats and sipping on exquisite tea is right up your alley, venture to these 10 best places for afternoon tea already.

2. The Family Man/Woman

The American Express® Platinum Credit Card is a fantastic card to have if you make at least $50,000 annually. Not only does this fancy card allow you to earn points that do not expire, you get to enjoy a myriad of dining deals with up to a 50% discount with American Express' Love Dining @ Restaurants and the complimentary The Far Card Classic Membership (worth $425) altogether. Nobody says a family-oriented person can't have fun, right? This awesome card also throws in additional perks such as travel privileges, golfing privileges and free-of-charge bespoke drinks at a multitude of Singapore's hippest bars. The American Express® Platinum Credit Card has a $321 annual fee.

UOB One Card is a solid card that gives you an impressive rebate of up to 5% on all your spending if you charge at least $2,000 to your card in a month for 3 consecutive months and make at least 5 purchases. To help you save even more, cardholders can earn a sweet 10% immediate SMART$ rebate at more than 400 participating merchants. In addition, those who drive (despite the government's aim in making Singapore become car-lite) can save up to 20.8% on petrol at Shell and 24% at SPC. What's not to love when this accessible card only requires that you make at least $30,000 per annum? UOB One Card has a $192.60 annual fee (waived for the first year).

HSBC Visa Platinum Credit Card is one of the best cards to have that give you cashback on daily spending such as groceries, petrol, dining and even selected recurring bills. You get to earn a flat 5% rebate on your recurring mobile/cable TV/internet bill payments as long as you spend a minimum of $400 per month for all 3 months in a calendar quarter. On groceries and supermarket purchases you can earn a 3% rebate if you spend at least $400 each month of a calendar quarter or a 5% rebate if you spend at least $800 each month of a calendar quarter. With regards to petrol savings at Caltex and Shell, you get to enjoy an instant discount of 16% and an additional 3% or 5% rebate depending on your spending tier - not too shabby at all in our opinion. You only need to be earning $30,000 or more to be eligible for this card if you're Singaporean or PR. HSBC Visa Platinum Credit Card has a $180 annual fee (waived for 2 years).

For those who've got little ones in tow, it may do you good to avoid these 8 not so kid-friendly restaurants in Singapore. Instead, venture to these 10 incredibly kid-friendly dining spots and kid-friendly staycation venues in Singapore your little ones will love. Also, you might want to check out these 10 awesome things to do with your little ones in Singapore to bond and have fun with them.

Letting your kids have fun doesn't necessarily have to cost a bomb if you know where to look. Here are 4 mega fun kids' activities under $20 that you might want to bookmark for future references. It is also a good idea to employ these 5 fun ways to teach your little ones about money from a young age. After all, we know how hard it is to earn money, right?

To help make your life easier, here are 4 money-saving tips for parents with young kids in Singapore. And if you simply do not have time to shop for groceries or the energy to lug heavy bags of groceries home, check out these best online grocers that'll deliver your groceries right to your door step.

3. The Wanderlusting Traveller

In case you're wondering, The American Express® Singapore Airlines KrisFlyer Credit Card is the spanking new version of the Singapore Airlines credit card that replaces The American Express® Singapore Airlines KrisFlyer Gold Credit Card. With just a minimum income of $30,000 per annum, this card is your ticket to cheaper (or free) flights as long as you use this card to pay for your daily expenditure to accumulate KrisFlyer miles quickly.

Those who are incredibly patriotic and love flying on Singapore Airlines will get to earn miles faster at a rate of 2 KrisFlyer miles for every $1 spent at singaporeair.com, silkair.com, KrisShop and SilkAir SkyShop. Other spending will let you earn 1.1 KrisFlyer mile for every $1 spent. Charge your travel spend to The American Express® Singapore Airlines KrisFlyer Credit Card and you'll get to enjoy complimentary travel insurance coverage.

The American Express® Singapore Airlines KrisFlyer Credit Card has a $176.55 annual fee (waived the first year). Note that you do not get free airport lounge access with this card, though you do get to enjoy discounted rates of up to 30% on walk-in rates at selected Plaza Premium lounges around the world, including the one at Changi Airport. If you're keen in gaining free access to airport lounges, definitely check out our picks of the best credit cards that give you free VIP lounge access.

Citi PremierMiles Visa Card is another awesome card for those who travel frequently as the miles earned can be used to offset your travel costs and you get 2 complimentary access per year to over hundreds of members-only Priority Pass airport lounges.

Have I mentioned that you can chalk up your miles without having them expire, ever? Yes, that's one of the best perks of this travel card in my opinion. Cheers to no more wastage of miles! You'll also get to save even more by earning up to 10% rebate when you shop at any of their 300+ participating merchants.

You earn 2 Citi Miles for each $1 spent overseas; 1.2 Citi Miles for each $1 spent in Singapore; and up to 10 Citi Miles for each $1 spent on online travel bookings - all without any minimum spend required. Also, you'll earn a cool 10,000 additional Citi Miles as a bonus upon renewal of your credit card.

In addition to slashing your travel costs with the miles accumulated by redeeming your miles for flights, hotels and airlines, you can also redeem the miles for merchandises and get cash rebates on travel related purchases.

If you're familiar with retailers in Singapore, you'd have realised that some retailers in Singapore do not accept American Express cards, so we reckon it'll be good to have a Visa card on hand just because. Citi PremierMiles Visa Card has a $192.60 annual fee (first year waived). And you'll have to be earning at least $30,000 per annum to be eligible for this card.

Just in case you're shopping around for some seriously amazing cards out there in the market, do check out these 4 credit cards that give you miles or reward points that never expire, ever. Yes, Citi PremierMiles Visa Card is one of them.

Citi Cash Back Card is a pretty good everyday cashback card to consider if you're someone who charges at least $888 to your card per statement month as it gives you a solid 8% cashback at all supermarkets and grocery stores worldwide, 8% cashback at all restaurants, cafes, F&B outlets across the globe and up to 20.88% savings at Esso, up to 20.8% savings at Shell and 8% cashback at all other petrol stations.

Although it isn't exceptionally enticing, you will also get to enjoy 0.25% cashback on all your other retail spend with this card. Citi Cash Back Card has a $192.60 annual fee, waived for the first year and you only need to be earning $30,000 per annum or more to be eligible for this card if you're Singaporean or PR. Check out our top picks for cashback credit cards if you're shopping around for one that suits you best.

Always looking to travel because the world is your oyster? Don't forget to check out these tips and tricks in snagging cheap flights in Singapore and cheap hotels for your holiday to shave some of your travel costs.

Did you know that Changi Airport has been named the world's best airport again? Anyhow, here are the 6 most secret attractions at Changi Airport most people wouldn't even know. So, don't say we never share, okay?

Looking to explore the world? Here are 8 countries that Singaporeans require visas to enter but probably don't know; 10 best honeymoon destinations every couple would love to embark on; 5 best short getaways that all of us Singaporeans can consider when we've got long weekends bestowed upon us; and the 8 super luxurious cruises that we can sail on from Singapore.

The Featured Credit Cards

The young and carefree individual can consider getting a card combination comprising The American Express® True Cashback Card, Citibank Rewards Card VISA, and UOB YOLO Credit Card.

The family-oriented man or woman can opt for a card combination that includes The American Express® Platinum Credit Card, UOB One Card, and HSBC Visa Platinum Credit Card.

Those who love travelling can consider stashing a card combination that comprises The American Express® Singapore Airlines KrisFlyer Credit Card, Citi PremierMiles Visa Card and Citi Cash Back Card

Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
The American Express<sup>®</sup> True Cashback Card

The American Express® True Cashback Card

  • As an introductory offer you will enjoy 3% Cashback on up to a total of $5,000 spend for the first 6 months plus a fee waiver for the first year.
  • American Express Selects gives you exclusive dining privileges all around the world, all year round.
  • First year fee waiver and 3% Cashback for the first 6 months up to $5000 spend
24.99% p.a.S$171.20 (inclusive of GST) First Year Fee WaiverFor Singapore Citizens and Residents, you have earnings which provide an income of over $30,000 p.a.
Citibank Rewards Card VISA

Citibank Rewards Card VISA

APPLY NOWAt Citibank's secure website
  • Receive up to 30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 months. Welcome offer valid for online applications through 30 September 2019.
  • 10X Rewards Points* on all your online purchases (except travel-related transactions^).
  • 10X Rewards Points* on your shopping# spend locally and overseas.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with an upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan26% p.a.$192.60 waived the first yearS$30,000 per annum (Singaporeans and PRs); S$42,000 per annum (Foreigners)
We least like
  • 10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent. Terms and Conditions apply.
UOB YOLO Credit Card

UOB YOLO Credit Card

  • 8% rebate on weekend Dining & Entertainment (local & overseas).
  • 3% cashback on weekday dining, entertainment, online fashion and online travel.
  • Earn 0.3% cashback on all other spend.
25% per annum$192.60 (waived first year)S$30,000 (Singaporeans & PRs), S$40,000 (Foreigners)
We least like
  • To earn your additional cash rebate (the full 8% and 3%), a minimum spend of S$600 per statement month is required.
  • Total rebate is capped at S$60 per month.
The American Express<sup>®</sup> Platinum Credit Card

The American Express® Platinum Credit Card

  • Receive 1 Night Stay at Swissôtel The Stamford Singapore worth S$529 upon Card approval. Receive a Samsonite Sigma 76cm Expandable Spinner worth S$600 when you spend S$4,500 within the first 3 months of Card approval.
  • Love Dining @ Hotels offers you Savings of up to 50%* on food bills for unlimited visits at selected 5 star hotels around Singapore.
  • As part of the Love Dining @ Hotels programme, receive a complimentary The Far Card Classic Membership worth S$425 (inclusive of GST), which offers accommodation experiences as well as year-round savings of up to 50% on dining. The Far Card Classic Membership entitles you to special savings for unlimited visits at your choice of restaurants at Fairmont Singapore, Swissotel The Stamford Singapore and Swissotel Merchant Court.
24.99% p.a.S$321S$50,000 p.a. (S$60,000 p.a. for expatriates)
UOB One Card

UOB One Card

  • Additional 10% rebate on mobile payment transactions for Cardmembers who have successfully registered for the promotion, subject to a cap of S$50.00. For a limited time only. Other terms apply.
  • Enjoy up to 5% cash rebate based on a spend of S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$300.
  • Enjoy up to 3.33% cash rebate based on a spend of S$500 or S$1,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$50 or S$100 respectively.
25% p.a.$192.60 waived first yearS$30,000 p.a. (Singaporean/PR). S$40,000 p.a. (Foreigners)
HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

APPLY NOWAt HSBC's secure website
  • New Cardholder can receive choice of Samsonite T5 Spinner with built-in scale worth $560 or $150 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. || Existing Cardholder will receive $30 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Existing HSBC Credit Card must be issued more than 12 months earlier.
  • Up to 5% cash rebates on groceries.
  • Up to 5% cash rebates on petrol.
APPLY NOWAt HSBC's secure website
2.50% p.a. for 6 months on balance transfers or 4.88% p.a. for 12 months on balance transfers both with a processing fee of $8825.9%$180 (First 2 years waiver)S$30,000 for Singaporeans and Permanent Residents. S$40,000 for self-employed and foreigners.
The American Express<sup>®</sup> Singapore Airlines KrisFlyer Credit Card

The American Express® Singapore Airlines KrisFlyer Credit Card

  • Spend S$5,000 within 3 months of Card approval and receive 7,500 bonus miles.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
  • Earn 1.1 KrisFlyer mile for every S$1 spent on all your eligible purchases with your Card.
24.99% per annum$176.55 (waived 1 year)$30,000 for Singapore Citizens and Permanent Residents ($60,000 for expatriates)
Citi PremierMiles Visa Card

Citi PremierMiles Visa Card

APPLY NOWAt Citibank's secure website
  • Receive 40,000 Citi Miles when you opt to pay 1st year card annual fee & spend S$9,000 within 3 months from date of card approval (Valid till 31 Jan 2020).
  • Enjoy up to to additional 8% off Agoda hotel bookings to selected destinations per month, valid for bookings till 31 December 2019. Otherwise, earn up to 7 Citi Miles per S$1 spent, valid till 31 October 2019. Terms apply.
  • Earn 10 Citi Miles per S$1 spent on kaligo.com/bonus-miles. Valid till 31 December 2019.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$192.60 (first year annual fee waiver)S$30,000 for Singaporean, Singapore PR; and S$42,000 for Foreigners
Citi Cash Back Card

Citi Cash Back Card

APPLY NOWAt Citibank's secure website
  • Welcome gift: $120 cash back when you spend S$1,200 in the first 3 months.
  • Petrol: Up to 20.88% fuel savings at Esso & Shell, including 8% cash back at petrol stations worldwide.
  • Dining: 8% cash back at restaurants, cafés, bars worldwide daily.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$192.60 (first year annual fee waiver)For Singaporeans and PRs, minimum annual income of $30,000, for foreigners $42,000.
We least like
  • High cash back rates only if you accumulate a total retail spend of S$888 or more in a statement month.
  • Base cash back rate stands at 0.25%. Additional 7.75% cash back on Dining, Groceries & Petrol spend is capped at S$25 cash back per category per statement month.