Have a bad credit score? Bad credit holders might be considered at risk and may find it nearly impossible to get a mortgage or apartment lease. But you don’t have to worry any longer. If you have bad credit, there are now credit cards that can help you upgrade your finances and boost your score. By finding out which cards those are, you can get a head start on trying to fix your bad credit. Poor credit can make it hard to get a car loan, mortgage, or apartment lease, so taking steps to improve your credit is crucial.
1. Citi Cash Back Card
The Citi Cash Back Card is a credit card with a $192.60 annual fee and a 26.90% supplementary annual interest rate. The annual fee waiver is only applicable if you apply for a new credit card. The bank claims that the waiver will be reflected as a credit in your next monthly statement for the respective account. They offer 8% cashback on groceries, dining and petrol worldwide and travel, retail and entertainment privileges. They require a $30,000 minimum income from Singaporean and $42,000 from foreigners. If you apply through MoneySmart between until 30 Nov 2019, you will get free S$200 cash via PayNow or Grab Codes. 
2. Maybank Family & Friends Card
The Maybank Family & Friends card is one of the best cashback credit cards in Singapore and Malaysia. It offers different merchants discount and 8% cash rebate on dining, groceries, contactless bus and train rides, taxi and all passenger transportation, data communication, online TV streaming if you spend a minimum $800 per month. All their bonus categories cover not only Singapore but Malaysia too. You will get unlimited 0.3% cash rebates on all other purchases, 3-year fee waiver. You can manage your mobile payments fast and via Samsung Pay. Their interest-free period is 20 days. If you spend min. S$12,000 per year, you will get a subsequent waiver. You will be charged with a minimum of S$300 within the first two months after the bank approved your CreditAble Account or with S$400 if it was rejected to be eligible. 
3. Standard Chartered Unlimited Cashback Card
Standard Chartered Unlimited Cashback Card is perfect for those who like spending or have significantly high expenses. It offers 1.5% unlimited rebate on all purchases and exceptional transportation advantages. SC Unlimited Cashback Card fits EZ-Link and offers up to 21% petrol savings with Caltex. However, what you need to consider is that you would need to spend S$7,000+ per month to earn more cashback than you could with other card options. The more you spend in a month, the more worthy the card becomes. You can obtain SC Unlimited Cashback Card rewards as well. For example, every 1 dollar of cashback earned is equal to S$1, earned cashback is excluded from receiving SC Rewards Points and credited to the cardholder’s account the following month. 
4. OCBC 365 Card
OCBC 365 Card is one of the most satisfactory choices to increase rebates on daily expenses with no annual fee. If you spend about S$2,000 per month, this card can be a great option for you. They offer No Annual Fee Features such as 2 years annual fee waiver for principal card, subsequent years waived with min. spend of S$10,000 p.a. and for supplementary card. If you apply for this card you will get 3% cashback on grocery, recurring telco, land transport, online travel, electricity bills and 6% cashback on dining and online food delivery. You can earn up to 23% in fuel savings. You can also earn up to S$80 per month and get a fee-waiver after just S$10,000 annual spend. 
5. HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card is a cashback credit card offered by HSBC Bank for those who likes spending and also saving. You will get 5% cashback on recurring mobile/cable TV/internet bill payment, on grocery and petrol purchases at Caltex and Shell stations if you spend at least $800 per month with this card. Or, in case you don’t reach that limit, you will have 3% cash back on groceries and petrol purchases if you spend a minimum of $400 per month for three months. You also get 2% cashback at restaurants if you you spend $800 per month. You will earn 1 HSBC reward point for each $1 you spend with this card.