What is the best debit card to use in Singapore?

Okay, so you’re asking about the best debit card in Singapore? Tricky question, isn’t it? It really boils down to what you need. Like, for me, I hate having minimum spends hanging over my head. It feels like I’m being forced to spend money, you know? So, something like the Citibank Debit Mastercard is appealing because it doesn’t have one. No minimum spend, how refreshing is that?!

But then, there’s cashback. Who doesn’t love cashback? The OCBC Plus! Visa Debit Card offers a whopping 12%… twelve percent! But, there’s the catch – you need to spend S$400. Hmm, makes you think, right? I remember one time, I almost went crazy trying to hit the minimum spend on a credit card just for the welcome gift. Ended up buying a bunch of stuff I didn’t even need. Lesson learned!

Then you’ve got the PAssion POSB Debit Card, also with a S$400 minimum spend. I’m not too familiar with the perks on that one, to be honest. And the UOB Visa Debit Card? S$500 for 3% cashback. Honestly, that doesn’t seem as good as the OCBC one, does it? Unless there are other hidden benefits I’m missing. Sometimes these things can be so confusing!

So, yeah, no easy answer. It’s all about your spending habits and what you’re looking for. Do you prioritize no minimum spend, or are you a cashback chaser? Think about it! Do some more research, see what works for your lifestyle. Don’t just jump into the first one you see.