I am using credit cards from uob one card, maybank 2 cards, and standard chartered.

the cash back % is quite low if you ask me. and also can only redeem at certain outlets. but good la for movie lovers, can cash back when buy movie tickets at GSC.

but uob one card got get some discounts when dining and purchase at some outlets.

maybank 2 cards high reward points and some decent stuffs to redeem easily.

The person who said "Credit card is for people who like owing money to the bank or to show off" is really someone from the stone age or bad financial management. Credit card is the best thing someone can have due to the leverage it provides. 1 month credit payment allows you to spend the money else where first before it is needed, for business owners they will know the benefits of having money rolling. Also credit cards provides from 12-36 months installments on some purchases with 0% interest too. As long as you can manage your finance well, credit card is really a good thing to have.

If you are someone who is ignorant or low IQ, please stay away from credit cards, you will be blacklisted and declared bankrupt in no time. These are the people who give bad comments about credit card because they do not know how to utilize the card and might have been burned before

The advantage of having debit card is you can leave it with no credit in it. When need to purchase something, only use your online banking to transfer the exact amount of money to it, then only use the debit card to buy. That is the safest online purchase you can do with a debit card.