I wonder which bank card the landlord used in Singapore. If it is POSB, I recommend the landlord to apply for a POSB MasterCard debit card, which can't be overdrawn and there is no handling fee for swiping the card. In fact, the function is the same as that of an ordinary bank card. The only difference is that this card can be paid online and used as a credit card. If you can keep signing a credit card every year 18, you will be exempted from the annual fee for three years. There is no income requirement for application, as long as there is a POSB or DBS bank account. If you are a student, it is impossible to apply for a credit card from a local bank without income, so this card seems to be a good choice.