Should uni students get a credit card early, or wait until they start working?

I think getting one early can be useful if you treat it as a payment tool rather than extra money!

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You can start with small, predictable expenses like subscriptions or household bills, pay the statement in full every month, and learn how cashback, minimum spend and eligible transactions work!

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Honestly, the rewards can differ depending on the card and payment method. If it's worth, you can see our comparison tips on SingSaver: https://www.singsaver.com.sg/credit-card/blog/b...

It is fine as long as you can control your spending and pay on time. So the more important question is whether you are responsible and discipline to use a credit card.