If we are able to make use of the plastics in smart way, it can rewards us more. Let me list some:
1. Autodebit monthly fee i.e. monthly insurance premium, mobile phone charge, Astro and etc 2. Credit card internet banking. Citibank's is one of the best. I've been using it for years. No problem at all. 3. If we charge enough to the plastics and at the same time pay full monthly, they will have the annual fee. 4. Points will be earned from the transactions. I've exchanged a lot of vouchers and gifts.
I have 5 credit cards. I pay zero for annual membership fee.