Are you a frequent user of your credit card? Personally, I try not to put too many transactions on my credit card as I hate seeing the size of the bill at the end of every month. However, over the years that I have held my credit card, I often put interest-free installment payments on them to help me purchase expensive items over time. Often, that helps to lessen the pinch of an expensive facial package or gym membership but the shock always hits me when I see how much points I’ve earned over time as it is a reflection of how much I have spent on my card!

I use a Citibank Credit Card and its points are timeless. While this was something that attracted me to them in the first place, I started to realise that because of this caveat, the redemption items in their catalogues often required a large number of points as well! Even a small little item such as a vacuum flask requires something in the tens of thousands! I also often find that it would cost you a lot more to redeem a product using your dollar points (which is essentially RM1 to a point) as compared to buying it yourself.

So while this isn’t really a review of sorts, I would certainly welcome any suggestions on what I can do with my credit card points. Perhaps that could lead to a review :)