Citibank & Standard Chartered
Recently, a friend asked me which cerdit card is best to choose from. While it is good not to have one, but it is a conveniece item to have. Especially when you always travel and your money doesn’t flow regularly with the time when you need it most.
I would say Citibank – because through the previous years (I’ve been using it for 5 years now) they now have upgraded both my Visa and Master card to Gold. But of course you need to be an active user and have good record too. Time after time they also give you blank cheque, in case you need extra cash during festive season; and 2 years ago I even have been offered to skip my payment in festive months. Well.. it’s really convenient sometimes.
Second – Standard Chartered. It has the lowest balance transfer rate in the market that allows you to transfer your other credit cards balance in lower interest rate. In case you only afford to pay minimum amount every month with 18% pa interest rate, then you might one to opt for lower interest rate and spread evenly your credit balance.
