4 Reasons to Wish You Qualified for Singapore’s Most Exclusive Credit Cards

Very few Singaporeans can qualify for the most exclusive credit cards in Singapore. Here are the elite credit cards you wish you had - and great alternatives you can qualify for.

With the highest concentration of millionaires per capita, the Singaporean elite must have everything they need to stay entertained, right? It makes you wonder what kind of exclusive benefits they get from credit cards, because we can’t see them collecting rewards points the way we do.

There are credit cards so exclusive that we can only dream of qualify for in the future. And the benefits that come with them? Extremely outrageous (in a classy way, of course).

Here are some of the most exclusive credit cards in Singapore, and the next best alternatives for us regular people:

1. HSBC Visa Infinite Card: Exclusive Access to VIP lounges

With this HSBC card, you can get access to over 700 VIP airport lounges all over the world. You can sit back, relax and enjoy a few drinks in the utmost luxury while you wait for your flight to board.

But what’s so special about this access is you also get expedited immigration clearance in Asia’s major airports, which means you don’t even have to wait in line once boarding starts. You even get complimentary one-way airport transfers and worldwide travel insurance for you and your family.

Alternatively, You Can Try:

If you want to experience the high life at a more affordable price tag, you can go for Citi PremierMiles Visa Card. It offers its members exclusive access twice a year to over 600 priority pass lounges at various airports all over the world.

With up to 10 Citi Miles with every S$1 spent on online travel bookings and travel insurance that covers up to S$1 million, it’s the closest thing to lavishness you can get without an invitation.

2. UOB Visa Infinite Card: Get a Private Chef to Cook Dinner For You

Yes, you heard that right--forget table reservations at some of the most exclusive restaurants. With the UOB Visa Infinite Card, you can get a private chef to come to your home and entertain you and your loved ones.

Apart from this, you also get access to some of the most exclusives members-only clubs in the world, such as the Tower Club in Singapore and the Johnnie Walker House in Shanghai. With the card, you can also indulge yourself by getting great dining deals like 50% off weekday lunches at Grand Hyatt Singapore.

Alternatively, You Can Try:

With the Citibank Dividend card, you get a 8% cashback on all dining spend globally. It also offers some very exclusive deals in some great restaurants in Singapore, such as 15% off at Kuro Restaurant and Bar and 1-for-1 on drinks all night long at Zouk Wine Bar.

While it may not give you the option to hire your own personal chef, it gives definitely provides some great benefits without leaving a dent in your wallet.

3. OCBC Elite World Card: Exclusive Golfing Benefits

Get a chance to play at some of the most prestigious golf courses all across the world. With exclusive Tournament Players Club (TPC) access, you can get an opportunity to play at anyone of its properties--of which, 19 have been used as courses for the PGA tour. Yup, that’s right. You can get to play at the same golf courses where the greats like Tiger Wood have tee’d off.

With the card, you can not only choose the tee time that suits your needs but also receive a welcome gift upon arrival. Under the PGA tour player experience, you get the opportunity to learn from the club golf professionals while being attended to by walking caddies and a dedicated host for the day.

Alternatively, You Can Try:

With the American Express Platinum Credit Card, you can get complimentary access to over 40 golf clubs in Singapore, Philippines, Malaysia, Indonesia and Thailand. So if you are an avid golfer, this is definitely the card for you.

4. The American Express Centurion Card: Unlimited Credit Limit

Unlimited credit limit! It sounds unbelievable but it's true (and only something we can dream of).

The American Express Centurion Card is the crème de la crème of all credit cards. It obviously does not come for cheap--with an insane annual fees of S$7,490, one needs to charge at least S$200,000 every year just to keep the card.

Owning the card automatically inducts you in the group of the super elite. The highest purchase ever made with the card was at a whooping US$39 million! It really doesn’t get more exclusive than this. There is a huge mystery surrounding the benefits of this card, but this just helps to further fuel the appeal for the card.

Alternatively, You Can Try:

Unfortunately for us, there are no currently credit cards out there with an unrestricted credit limit. We can only wish though.

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By Srivardhan Kejriwal

Srivardhan is a graduate from the Singapore Management University and an analyst at SingSaver.com.sg. He's interested in personal finance and enjoys writing money saving tips.