1. oversea usage
2. it will be damn useful if you go business trip ..unless you plan to folk out your own saving 10k 20k to pay your hotel fees while waiting reimbursement from your company
3. better protection
4. cash back and benefit (certain high tier credit card provide you free access to most of the airport lounge for free)
5. build your credit report and score for your future house loan

This post has been edited by fantasy1989: Nov 19 2020, 09:00 PM