Thanks for mentioning the UOB One Account. I liked that the minimum amount is 1000 SGD rather than 3000 SGD of the other two (i.e. DBS Multiplier and OCBC360). Interest is not too far off either.

The One Card being the 'UOB One Debit Card' that comes combo with the UOB One Account right? They are promoting the Mastercard version which is not applicable with NETS contactless apparently, will see if can get the Visa version.

Ah I see, so only applicable with those two credit cards. I probably need to wait 6 months before I can apply for any credit card so I'll keep this in mind for now.

I'll probably just link the UOB One Debit Card with the Fairprice app for some points first I guess.

Yeah it seems 6 months working in SG is what I need before applying for any CC. Sorry... 6 months working is enough to apply for PR? Isn't that really quick? LOL

Yeah paywave for CC, need wait 6 months first, will just use debit card for now.

Cancelling and applying for new CC goes in to some sort of record no? I know in Malaysia it is recorded in CCRIS? But I suppose it is not a crime so should be safe.

You're eligible to apply in 6 months time but doesn't mean you will get it unless you're female or your role is niche .. haha .. but I applied my PR within 2 months time, case by case basis.

I'm assuming it's also easier for Malaysians to get PR? LOL

Will figure out down the line whether I want to get PR or not, but seems to me it's mostly upsides if I do so.

a lot agent dont layan until you are in sg and already using sg number

It's pretty much confirmed if you're on EP .. haha

Little downside from PR apart from CPF contribution. To be honest, I, personally, have not come across many who willingly stays on EP without trying for PR. It's a career suicide to be held at ransom by employer unless you are on fantastic expat package that Singapore is just a stepping stone before going elsewhere.

This post has been edited by gnc88: Jul 31 2025, 09:52 AM

Ok la cpf not too bad can take back when renounce. Besides, can use to get a house .. haha

Frankly speaking, how many of us would return to msia after tasting power of sgd. I only have a friend who went home just because the company pays him rm in the same amount as sgd after conversion. That's a no brainer.

should be can, my wife apply in the 7-8th months and me apply in the 9th month cause i m working in jb for the first 2 months (salary to my wife sg account) so i better play safe and wait for 6 payslip under my name first.

After around 8 months wait we both got our PR.

for malaysian chinese i heard it is much easier our salary didnt even meet the EP criteria for age 23 when we are close to 30 haha.

Yeah, some literally no replies at all lmao... Sadge.

Hmmm makes sense, if you lose your job on EP, I think you will only have like 2 weeks to find a new one or you would have to leave SG. Not an issue for PR of course. Extra 20% on top for CPF from employer side too.

Not stated officially but I suppose it is an open secret that it is the easiest for Malaysian Chinese? lol

You applied for PR when you were working in SG after about 6 months, and then waited 8 more months for the result?

a lot of them lack the knowledge to realize +60 is from malaysia so they disregard it thinking its a scammer

I once msged them with my msia number to request for viewing to buy a unit. They replied, not for rent, but for sale. And only I noticed that I was using my msia number .. facepalm.

Yeah haha, might need to direct call with WhatsApp to get response, that is if they even pick up lol.

I feel like reaching out now is a bit redundant since I wont be there until end of the month lol. Just scrolling to see mostly...

Question for those that are working in Singapore. When you first landed a job there, there isn't a need for the SG Employer to be given details regarding MY Tax number/contribution right? Presumably because you will have a new SG Tax number and the tax information/history in Malaysia becomes irrelevant?

E.g. Y2025 Tax, 8 months in MY, 4 months in SG; SG will need details of 8 months of MY Taxes or they only bother with the 4 months I was working in SG when filing to IRAS?

Your SG employer does not need your MY tax number or details of your MY income for IRAS filing. For YA 2025, IRAS will only be concerned with the 4 months you worked in SG, and your MY tax history for the prior 8 months is irrelevant unless it involves income taxable in SG (e.g., services rendered in SG). You should, however, ensure compliance with MY tax obligations for the 8 months you worked there, as MY may have its own requirements for reporting foreign income or filing taxes.

As in settle everything with LHDN before leaving, SG Company and IRAS are not bothered with anything prior to employment in SG. Alrighty then! Thanks!