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If you’re planning to head overseas for a year-end holiday, one of the key decisions you’ll need to make is what cards to bring along. Even if you plan to use mostly cash, it’s always a good idea to have some cards as a backup, or for situations where cash may not be accepted (such as in-app payments).

The short answer? It's a mix: they earn from your interest and fees, and the businesses you use your card at.

Credit cards offer perks and privileges that help holidaymakers travel in style. Here are six ways you can make use of them to elevate your next overseas trip.

As much as we want to maximise the miles on every transaction, a common mistake that first-time miles chasers make is to only look at quantitative factors, such as earn rates. But not all points are made equal! For example, if two cards offer the same earn rate, you would want to pick the card that wins on qualitative factors, such as non-expiring points, more transfer partners, or free points conversions. By that same token, a lower-earning card could still trump a higher-earning card once points quality is taken into account. That’s why it’s crucial to look beyond top-line earn rates, and in this column, I’ll explain what makes credit card points truly useful, and highlight which banks excel in this area.

Though usually unseen and unnoticed by the average shopper, credit card interchange fees influence everything from the perks you enjoy to the prices you encounter.

Certain credit cards in Singapore offer a valuable feature known as purchase protection, providing a temporary safety net against the unexpected theft or damage of your new purchases.

You can use your credit card to pay for virtually everything in Singapore. Here’s why you should, and how you can do so safely.

Frequent flyer programmes offer travellers a pathway to earning rewards like free flights and upgrades. This guide helps you navigate these programmes and how to become a frequent flyer member and maximise your miles.

Learn what to look for in a student credit card and find the best credit cards for students studying abroad.

Between a cashback or rewards credit card, which offers better value? We help you decide.