i ride for more than 7 years edi. never been knock by a car before, reason being i horn them when i feel they wanna change lane... need to alert others because bikers need to know that cars have blind spot, don't care whether they wanna change lane or not, horn 1st. if the driver beh song, he only can horn back. he won't knock u down purposely 1. that can safe u from a lot of accident.
last week there is a case at TPE, today another case as well. but i think is those bikers ride too fast between cars and the car suddenly change lane knock them down 1. that's why i say back to my 1st point, horn the cars when u see there is movement on their wheel. horn them as well if they stick too near to the middle lane. coz if a fight really break out, no worries, u sure win coz if the car driver really dare to come and whack u, the bikers behind u definitely go and bash them gao gao... bikers are very unite in another words doesn't car what race u are.... real 1 Malaysia spirit.....

From DBS website
Eligibility to apply DBS Visa/MasterCard/DBS AMEX /POSB MasterCard Credit (Non- Singaporeans/Non-Permanent Residents of Singapore)
Non-Singaporeans and non-Permanent Residents (PR) of Singapore who would like to apply for DBS Credit Card must be

working and residing in Singapore.
Hold a valid Employment Pass with minimum of at least 9 months from the time of card application until processing is completed.
a valid passport.
Minimum annual income requirement for non-Singaporeans and non-PRs is S$45,000 per annum.
In addition to these basic requirement set by the MAS, all credit card applications will be assessed based on a set of criteria in place in our proprietary system. Approval is on a case-by-case basis. Therefore, all applications are subject to approval.

Source DBS

Looks like its SGD3,750 per month which equals to SGD45k per annum
From HSBC Singapore's website
For HSBC Platinum credit card application:
All applicants must be at least 21 years of age.
For Singaporeans or Permanent Residents, a minimum annual income of S$30,000 is required.
For self-employed and foreigners, a minimum annual income of S$40,000 is required.
If you do not meet the income requirement, a minimum Fixed Deposit Collateral of S$10,000 is required.

Sourcesource

BTW, here is the official position for converting driving license from the Singapore Police Website, Here :

Conversion procedure

In order to convert your foreign licence to a Singapore driving licence, you are required to pass the Basic Theory Test (BTT), overseas theory test results are not admissible for consideration.

You may book for a BTT in person at any of the 3 driving schools. On passing the BTT you may then proceed to apply for conversion at the Traffic Police Driving Test Centre counters in person, with the relevant documents. The 3 Traffic Police Driving Test Centres are co-located with the 3 driving schools. Their addresses are:
•Woodlands Driving Test Centre, level 1, co-located with the Singapore Safety Driving Centre ( http://www.ssdcl.com.sg/ ) at 2, Woodlands Industrial Park E4 Singapore 757387.

•Bukit Batok Driving Test Centre, level 2, co-located with the Bukit Batok Driving Centre (http://www.bbdc.sg ) at 815 Bukit Batok West Ave 5 Singapore 659085.

•Kampong Ubi Test Centre, level 2, co-located with ComfortDelgro Driving Centre (http://www.cdc.com.sg) at 205, Ubi Ave 4 Singapore 408805.
Please bring along the following documents where applicable, when applying for conversion of licence:

•Original and a photocopy of your passport and NRIC/Entry Permit/Employment Pass/Dependant Pass/Social Visit Pass/Work Permit

•Original and a photocopy of your valid Qualified Foreign Driving Licence

•Processing fee of $50 (Cashcard and NETS payment Only)

•One matt finish passport-size colour photograph with white background, eyes looking straight and both ears and eyebrow visible in the photograph. There should be no headgear worn unless normally worn for religious purpose, and glasses worn should not be tinted.

•For Malaysian licence holders, an extract from JPJ Malaysia showing information of your driving record and licence information (obtained not more than 6 months before date of conversion)

•For Singaporeans and PR studying overseas for one year or more, please produce proof of stay in the country, e.g. educational transcripts or Letter of Acceptance by the educational institution and the relevant student visa in the passport.

•For Singaporeans and PR employed overseas for one year or more, please produce Income Tax Returns or supporting documents from employers and the relevant employment visa in the passport.