Having passed my mid-twenties, the tumultuous years of adulting remain a struggle for me.

Heck, I only got my first life insurance plan last year. The first three-odd years of my working life were also spent dodging paying off my CPF education loan from, like, 2012.

So you see, getting a credit card has always seemed an insurmountable and needless milestone…at least, to my lazy self.

That’s until I found out about the importance of getting a good credit score – which could ultimately mean lower interest rates when taking a bank loan for, say, a BTO.

So: how should you choose your first credit card?

Want more? Find out what the best cashback credit cards in Singapore are!

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