I know that now the government doesn’t encourage the younger people use to many credit card. The National Bank have already limit 2 credit card per person and with minimum income of 3k. I have just one credit card since day one.
But for travelers, especially the one that always travel abroad, credit card is a must. For some safety reason. You know like not secure to bring lot of cash, use during emergency and when you don’t have the specific currency. Visa can always be helpful.
For shoppers or holiday maker, there are cards that offer promotion for airlines, hotels, agency and tours all over the world. Look for rewards points also when spending overseas. If spending more in currencies higher than the country of card issuance, you may got extra reward points.
Example is this hsbc home and away here.
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