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5 Must Have Credit Cards For Fresh Graduates

Now that you’re on financial independence, it’s time to build your credit score with these 5 must have credit cards for fresh graduates.

You have finally passed your probationary period. That’s why you can celebrate your financial independence by getting your very first credit card. Make the most out of it by building your credit score. It will eventually help you with your future loans.

You will consider a mortgage or an auto loan in just a couple of years. Banks will significantly depend on your credit score to know if you are creditworthy. So choose the best credit card to start your credit history and rack up benefits debit cards and cash will never have.

Citibank Rewards Card

With Citibank Rewards Card, you can earn 10 points or 4 free Miles for every $1 spent on bags, clothes, or shoes in department stores or online shopping sites. On the other hand, you will get 1 point or 0.4 miles in every $1 on your additional spending. However, the points you accumulate with 10 points per $1 is capped to 120,000 Rewards points per membership anniversary.

Aside from reward points, you will also get fantastic deals. For example, you have 15% off from Lazada purchases and up to 20% off on purchases in Zalora. Plus, there’s a $50 off on bookings in Airbnb. If you apply before the year ends, you will receive a cashback worth $120 ($20 cash back every month with a least $200 spent). It is applicable only for the first six months of membership.

Citi Rewards Must Have Credit Cards

DBS Altitude Visa Card

If you are into travelling, your first credit card must be DBS Altitude Visa Card. It is the best card to get miles the fastest way. In every $1 spend, you will get 3 miles on the online flight, another 3 miles on purchased packages at Altitude Travel Destinations, and 1.2 miles on local spend. So keep on earning miles as it will never expire, but remember that you can only charge up to $5,000 per month.

If you charge at least $25,000 for a year, your annual fee will be waived. On the other hand, if you choose to pay your annual fee, you will get 10,000 bonus miles. Aside from miles, you can get 2 Complimentary Global Airport Lounge Access in a year upon being a member of Priority Pass™.

DBS Altitude Credit Card

HSBC Revolution Card

HSBC Revolution Card is a generous credit card. You can get as much as 5 times more rewards when using the card for online shopping, local dining, and local entertainment transactions. In addition, get 1 rewards point for every other spending.

Aside from earning rewards, you can enjoy various dining offers, travel specials, movie ticket discounts, petrol, and others. Agoda gives an additional 7% discount, while ShopBack offers a $10 bonus with up to 30% cashback. If you want to go backpacking alone, you will be delighted to get 30% off from single trip travel.

HSBC Revolution Credit Card | Must Have Credit Cards for Fresh Graduates

FRANK Credit Card by OCBC

FRANK Credit Card by OCBC offers the most pocket-friendly annual fee of $80. Also, there is a waived fee for the first two years. Thus, giving you less cost to think about.

In addition, it has a minimum required spend of $400 on physical stores to get rebates. It will not count charges on online transactions. Get a 6% online shopping rebate with an additional 2% rebates on Apple Online Store purchases.

You will enjoy the 5% entertainment rebate if you love the nightlife, including clubs, KTVs, cinemas, bars, and selected cafes from 0000 hours on Friday until 2359 hours on Sunday. In addition, get 0.3% cashback on all retail transactions. Rebate has a cap at $60 a month.

Frank by OCBC | Must Have Credit Cards


We will all live just once, enjoy by choosing the right credit card. Get up to 8% cash rebate every time you spend on entertainment, dining, fashion, travel and mobile payments. In addition, do not miss up to a 10% rebate from Cathay Cineplex spending and other entertainment transactions with partnering merchants such as The Rabbit Hole, The Armoury, Kyo, and Suite26.

Get a 3% cash rebate every weekday when you charge your online transactions for entertainment, dining, and payments via either UOB Mighty Pay or Apple Pay. Do not forget the 0.3% cash rebate on all other spendings.


When you get your first credit card, never forget to read its terms and conditions. It is better to choose a card for convenience that fits your lifestyle that getting a card just because of its initial offers. Also, pay attention to the fine print, discussing the fees and charges.

If you just need some cash to make ends meet, get a loan from Cash mart today.