Credit Card Search: The Plastic Love Affair [Infographic]

Written by Iris Lee Illustration by Michelle Leong

In search of romance, many embark on dizzying trips on the dating merry-go-round. Just like landing the perfect match, finding the right credit card can be equally vexing and confusing.

Finding the right money match can make a difference between feeling loved and appreciated, and tearing at your mental and financial well-being.

But fret not, with a little research and nudge from your cash cupid, finding the right credit card match is now much easier than you think.

Start comparing credit cards and find the best card to match your lifestyle.

Just like the saying, “birds of a feather, flock together,” one of the key factors to every successful relationship is compatibility, whether in sharing the same hobbies, interests, values or spending habits. Such considerations need to be thought through when selecting a credit card as well. A credit card that complements your lifestyle and spending habits can help you save money optimally, while a less compatible one will produce lesser perks and benefits for you and your wallet.

For example, savvy globetrotters will find a good match in travel credit cards that lets them leverage on the price of their flight ticket with reward point systems. When selecting travel credit cards, be sure to consider factors such as how much do you have to spend to earn a reward point, how long can you keep the points, and more importantly – how much is a point worth?

The Standard Chartered WorldMiles travel credit card allows you to travel with 51 airlines with the points you earn. You can also get 20% cash rebate for online air ticket purchases with the CIMB Cash Rebate Gold Mastercard.

For those who love adventure can consider soaking in new sights and sounds, and indulge in new experiences with the Mach Signature Credit Card, who will see through your shopping needs abroad.

If you’re one of those who are constantly on the road, you may find a faithful companion in Standard Chartered JustOne Platinum Mastercard, which offers you cash back of up to RM840 a year.

Meanwhile, the avid shopaholic who is constantly on the lookout for the best bargains will find camaraderie and comfort in a good rewards credit card that comes with attractive benefits and discounts. When used correctly, a rewards credit card can actually earn you money. The deal you snag now on a new card can pay off handsomely in coming years. The key is to choose one that best matches your shopping habits.

For example, the Standard Chartered Cashback Gold Mastercard offers 5% cashback for every RM1 spent. Shoppers also stand to earn up to 8x reward points with HSBC Visa Reward Credit Card.

Fashion-forward ladies will find the perfect partner-in-crime with the UOB Lady’s Solitaire card, which offers up to 10% cash back on retail fashion transactions. Elsewhere, laidback shoppers who prefer to take things easy can kick back and relax with the CIMB Cash Rebate Gold card and enjoy up to 5% cash rebate every time they spend money online.

When lost for words or facing the language barrier, the gift of good food is often the best communication tool. It is also commonly said that the way to a lover’s heart is through their stomach. You can add flavour to your life and satiate your gastronomical savings with the HSBC Amanah MPower Visa Platinum Credit Card-i, which offers 8% cashback on dining.

Looking for excitement? Take your love affair to new heights at the hottest spot in town with the Citibank Clear Credit Card, which gives you 3X Citi Rewards Points for every RM1 you spend at Zouk Club, Kuala Lumpur.

Starting a new relationship is not always easy. Whether it is finding Mr. or Mrs. Right or looking for the right credit card, it never pays when you rush into making decisions.

This is especially true when you apply for a credit card. Before you fall head-over-heels for the latest fad, be sure to compare the fundamentals such as interest rates, fees, rewards and the minimum income. All these will be critical in determining which cards you should get.

Many relationships are founded on shared interests and compatibility in your beliefs and lifestyle. Mutual trust and appreciation will let you move along swimmingly on the right direction towards building a lasting and fulfilling relationship.