A few people are claiming that credit cards are the work of the devil. Why? Well, they say that they cost so many individuals their hard-earned money. Although there is some truth in this, this statement is highly hyperbolic and exaggerated. The fact is credit cards will only ruin your financial stability if you let it. The key is to properly manage and pay them off.
Once you learn how to do this, you’ll find out that credit cards – such as the Citi PremierMiles Card – have many uses and perks that you can take advantage of. For example, some of them have a reward point system that will allow you to collect points that you can later convert to rewards—ones that will enable you to receive discounts, get exclusive deals and promos, and travel in style.
If you are looking for a credit card that will let you do all these things and more, then perhaps it’s time for you to look into the best premium credit cards you can get your hands on.
Citi Premier Miles Card
With the Citi Premier Miles Card, you are able to earn 1 point for every P30 purchase you make on the card. These points will never expire and they can be turned into frequent flyer miles wherein you will have the choice of which airline you will travel on. With these points, you will also get a free stay in a partner hotel.
Moreover, you will also get to enjoy a 0% interest rate on your instalment purchases for 3-24 months.
HSBC Premier World Mastercard
The HSBC Premier World Mastercard will provide you access to exclusive rewards such as the ones you can get through its My Rewards Points Programme, Cleartrip travel discount, HSBC Premier Privileges, and airport lounge access.
It also has no annual fee, a 1.5% interest rate monthly, a 50% cash advance from your credit limit, and a 0% interest on your instalment purchases.
EastWest Visa Platinum Credit Card
The EastWest Visa Platinum Credit Card allows you access to 24/7 concierge and to global customer assistance. If you plan to travel, you can easily take this card with you as it is being accepted at about 1.9 million ATMs.
Aside from these, you can also take advantage of its free comprehensive travel insurance and protection. Also, its reward point system can provide you with 3% cash rewards on dining establishments as well as in department stores.
Citi Rewards Card
The Citi Rewards Card will let you earn 1 point for every P30 purchase you make with your card. Cardholders will also enjoy thrice the reward points when they shop at department stores and boutique shops in the country and abroad. The points you earn can also be used as payment for your purchases (1 point = P10).
As you can see, these premier credit cards have many great deals to offer you. Their reward systems and promos differ from one another so be sure you check out which ones will suit you best before you send out an application.