1. Annual Income: -

2. Free Lifetime Annual Fee: Yes

3. Card required for: Local, overseas and online transactions

4. Existing credit cards if any: HSBC

5. Preferred Bank or Considering CC from banks: No particular banks at the moment.

6. Others: I need a credit card (from other banks) which offers 0% instalment payment plan for purchases I make from stores (online and/or brick-mortar shop) other than their participating merchants. In other words, when I purchase something which I intend to do 0% instalment payment plan, I don’t need to go to the bank’s listed merchant for me. HSBC is currently charging 3%-5% for their flexi payment.

7. Estimated Spending per month with the card: Varies

Thanks for your info. I doubt I can apply for the Infinite card due to their requirements.

I'm thinking of getting either UOB One Card or Citibank Clear Card. From my point of view, the triumph card Citibank has over UOB is the brand recognition since I'll be using it for overseas transaction (physically and virtually online). That said, I'm just too lazy to call them (Citibank) every time for annual fee waiver. And that's where UOB has its strength. Any thoughts about them?

Noted.

For UOB One Card, is it Visa or Master?