I want to apply for credit card. Can anyone tell me how does it work? Is it the same like debit card? Have to top up money inside then able to use?? Which bank offer lowest interest rate? What's the requirement?

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Just walk pass any credit cards road show and the sales rep will tell you the process. Basically, need to check your cpf contribution to see if you are eligible. However, some banks may not be so strict on your monthly income figure. But if your monthly income is too low, you wouldn't be able to apply for a credit card. After getting a credit card successfully, every month you need to pay the bill if you use it. There's also a yearly membership fee that you need to pay (that can be waive off if you use the card frequently, subjected to bank's approval for waiver).

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