学生可以申请么？有人用过么？
xiexie

起码条件：21岁
年收入30千（外国人60千）
如果你是拿student pass，除非你存款够多（而且是很多）
不然不可以申请

Firstly you have to be 21 years old or above.
Secondly the requirment for applicaiton of credit card is usually local/PR need s$30,000 per anuum income and foreigners s$60,000 per annum for Classical MasterCard/Visa, and s$45,000(local) s$60,000 for American Express/ Gold Mastercard/Visa.
Ether support by Income Tax of Assessment of CPF statement. Some accept computer-generated payment slips also
If you have enough income can apply.

Heard some banks will issue credit card to those who deposit certain amount in there bank, but never found one... :P

Visa Electron debit card（可以当信用卡用）+支票本，无收入要求，无年费，18岁以上的在校学生就可申请，毕业就自动terminate。

我用来很方便。

as long as u have a fixed time deposit of min 10k in the bank then could be entitled to the SECURED CREDITCARD which is the latest overdraft product provided by singapore banks,while still subject to the bank approval.

The most important thing: Debit Card is your own money while credit card is the bank's money.
There are much more limitaions of Debit cards.

对我来说，credit card的主要用处是在没有cash也没有NETS的时候付账。

一个学生，能而且需要花（并且还）那么多钱的话，那直接申请credit card应该没有问题。在我这个学生的收入和开销范围内，debit card就很好了 :)

另外用信用卡的人不一定开销就大哦， 我一个月才花一两百，少的时候甚至才不到一百。

因为普通的unsecured crdit card， for foreigner，要60k的年收入才可以。所以你是学生就执可以去apply secured credit card。用你的定期作为担保。比如说citibank，如果你存10k的定期，现在利息1.1% P.a。同时可以拿到中新自如帐户，还可以同时apply我们的gold credit card，100％approval，第一年没有年费。如果有什么问题，或者有兴趣可以联系我何敏 98002356

但是透支的数目就是你fix deposit的存款数目,otherwise就办不能透支的debit card好了