01Pick by how you spend
Cashback cards suit everyday spending, travel cards suit frequent flyers, and no-annual-fee cards suit light users. Check the minimum salary and whether the annual fee is waived.
02Understand the grace period
If you pay the full statement balance by the due date, you usually pay no interest on purchases. That window between statement date and due date is the grace period.
Choose a card that matches how you spend.KEY POINT
03Avoid the expensive extras
Cash withdrawals on a credit card usually carry a fee and interest from day one. Foreign currency spending often adds a foreign transaction fee.
04Build your score from day one
Pay on time, keep spending well below your limit, and set up a direct debit for at least the minimum payment as a safety net.
