[sclim]

Credit card is still the best lah. 
You never use it meh.

once upon a time it was my free cash channel to speculate.  now apps so easy and no cost. also just transfer small amount in to reduce scam damaged. credit card mostly use for discount only.  surely apps will catch up one day. slowly reducing one will remove all to reduce scam risk.
it is true that the current way of specifying income is wrong.  div income of 30k sure better then earn income of 30k. a person who can get div income 30k means able to accumulate wealth.  but then div income view as no pay tax. but person who specify that criteria forgot that div income no tax cause business already pay tax. guess that is a way to force people to declare income to pay tax. but not fair really.

if one really really want a credit card. just setup business then employ yourself, pay cpf. tax to get qualifications. not difficult at all.