Ideal Weddings’ Hacks 101: Credit Cards For Your Wedding Spending

Every couple wants a wedding that would stand out – whether it’s having your entourage gatecrashing in a Power Rangers’ costume or even a Harry Potter themed wedding. The list goes on and as fellow individuals part of this virtual community, we can’t help but want more of these crazy wedding ideas! On a side note, Ideal Weddings still appreciate magical, fairytale weddings.

In Singapore, couples typically spend an average of $30,000 – $50,000 on wedding expenditure. So, when it comes down to it, not everyone would willingly fork out that lump sum of money on the spot. This is where we give thanks to our friendly banks.  Credit cards are basically a must-have for any wedding preparation. Unless, you’re a money tree. Otherwise, it’s a perfect way to walk down the aisle of your dreams.

Here are the top 5 cards to choose from for your wedding preparation. We promise they don’t bite, in fact, they sometimes give you cash returns!

UOB Visa Signature Card

 It is truly a world of rewards with UOB Visa Signature Card as you get up to $120 cash credit upon signing up with any UOB card, plus a travel protection guarantee. With this card, you could enjoy the benefits of Public Conveyance Personal Accident coverage of S$500,000 or Emergency Medical assistance coverage of up to $25,000 while you’re overseas. Not that we’re expecting you to break a leg in Greece, *touches wood*.  

For every $5 spent, you will earn UNI$1, and any card transaction made overseas will be treated as transaction in Singapore dollars as well as giving you the privilege of earning up to 10X UNI$ on overseas, online, petrol and Visa payWave transactions. Not only is this card perfect for your wedding expenses but it helps with your honeymoon expenses as well!

UOB One Card

Note – this may be a belated thank you note for our first jubilee. In conjunction with SG50, the UOB One Card was made, and is still popular for its highest flat rate cashback in the country with up to 5% rebate on all spending above S$2,000 and 3.33% on spending below that amount. For mobile payment transactions, it’s a whopping 10% cash return!

We promise it’s worth it, considering a lot of money would be spent in a short period of time. Without a doubt, you’ll satisfy the minimum requirement of 3 purchases monthly to earn the cashback every quarter. Thank you, Singapore!

True Cashback Card American Express

No strings attached, no minimum spend and no cap whilst you build the wedding of your dreams with the True Cashback Card American Express. Think of this credit card as your most easy-going friend. True Cashback greets you with a 3% cashback you can enjoy on up to a total of $5,000 spend for the first 6 months including a fee waiver for the first year. Being an American Express member, you’ll be entitled to tons of dining deals and professional customer care promotions!  

Bask in all the VIP experience coming your way as an American Express member. With dining and hotel promotions all year round, you’ll be spoilt for choice. Also, the bank partners with hotels and wedding retail merchants at times. Best part is – the required annual income is one of the lowest at just $30,000!

PremierMiles Visa Card

Refuse to sacrifice a meal course just to be able to spend your honeymoon in Versailles? Fret not, couples, as you get to redeem cash vouchers at several participating travel related stores only with PremierMiles Visa Credit Card.

Accumulate Citi Miles points, which will never expire, and can be used to redeem endless cash vouchers! The card allows you to earn as many points as you wish with no minimum spending and as you renew your membership annually, you will automatically gain 10,000 bonus points.

If you’re looking for a card that will see you past your wedding day, look no further as PremierMiles Visa Credit Card has got you covered from the first day of your wedding prep to the last day of your romantic honeymoon with your other half. All you have to do is be above 21 years old, with an annual income of at least $50,000 and you’re good to go!

ANZ Optimum World MasterCard

Lo and behold, ANZ Optimum World Mastercard is the only credit card that allows you to choose a category you wish to maximise your rebates on every quarter year. You get four options to choose from – dining & leisure, travel, shopping and groceries. Once you designate your category, the card provides 5% cashback on your chosen category for 3 months while every other expenditure from any category will only yield 1% rebate. Eeeek, I smell lots of money returns! 

ANZ Optimum provides the flexibility your yogi doesn’t. Reap the benefits as long as you earn an annual income of $60,000.

 A credit card will surely take your worries away, provided you use it wisely. Make sure you do your research prior to signing up for one as you would definitely have to face disastrous consequences if you end up choosing the wrong one. On a lighter note, you’re one step closer to hosting the wedding of your dreams.

Cant decide on a credit card? Check out the comparison table below for your reference!

 

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