Finty - Personal Loans and Credit Cards

1. Finty Singapore Rewards-Based Financial Marketplace

2. How do credit cards work? They are different type plastics which allows you to spend money that you don't actually have. Banks will give you a credit card if they see in your bank statements that you have permanent stable income. It looks like a simple credit but it is lighter and payments are minimal. Credit cards are suitable for unexpected expenses and needed purchases. That's why they have higher interest rate for different money transactions. If you withdraw cash from your credit card, the interest rate can reach 25% or more. If you use it for online payments, then it is around 12%. So, let's summarize: • • Limited amount depending on your income • • Higher rates • • Smaller payments but regular every month As you may notice, all of these aspects are not very predisposing so why people still use credit cards? The answer is really simple. There are a lot of bonuses, rabats and different discounts offered together with every credit card.

3. What is Finty? Finty is a website where you can find your bank's credit cards with additional bonuses. Finty will give you a reward for using it to purchase a credit card from your bank through their system. Finty is a save way to hack your personal finances and to save a little cash for before you start spending. In addition, in Finty you will find some personal loans offers of HSBC, so practically you will have everything that you need in one place.

4. Personal Loans in Finty The amount you can apply for is up to $10,000 and the interest rate is between 3.8% and 7.39%. This is not bad interest rate at all comparing to credit cards interest rate, for example. Here comes the main benefit of these personal loans – they are without fees and you can receive up to $100 cash.

5. Finty's credit cards To be 100% accurate, there are not Finty's because they are emitted by banks. However, credit cards contain bank promotions and finty rewards. For example, if you apply for a credit card, you will have bank promo up to 150 cash back and additional cash back for spending up to 8%. There are a lot of different rebates. So you can visit certain grocers, cafes, restaurants or order an Uber taxi with discounts. For drivers and those who can't live without their cars, some credit cards in Finty offer up to 15% rebate for petrol. In addition, there are rebates for travel ticket, hotel bookings, and cosmetic centers all over the world. Those who love to travel have a lot of additional benefits, like earning miles for discounts on airplane tickets. Really handy, if you travel every month outside of your Singapore and spend money there. Another great thing about Finty's credit cards is not saving money through rebates and discounts, but earning points which you can use later. Shopping in certain shops and centers with the credit card will earn you points. When you have enough points you can change them for presents, travel or dinning discounts. In this list are included tickets and vouchers, too.

6. Finty Credit Cards from Major Banks Finty offers credit cards of OCBC bank, DBS bank, ANZ bank, CIMB bank, HSBC bank, CITY and AMERICAN EXPRESS. On Finty’s website you can find a whole blog page called “Pocket hacks” with promos, deals and cash back explained. All restaurants, cafes, hotels, and shops are listed so you will know where you can use your discounts or earn points. This is useful because people are quite happy to have some discounts but don't really remember where they can use them. That's why Finty is such a good place to apply for a credit card from because they have thought of everything. https://www.finty.com/