Somehow, another year has passed and it is Christmas yet again with a new year coming soon. I’m not really a religious person, but regardless of one’s religion, it is not difficult to get behind the spirit of Christmas. Whether it’s to take time to express one’s gratitude or to have a sense of renewal, the year end is always an opportune time to be thankful for all the good that has happened and take stock of the year that has passed. I’m not sure about you, but this year went by really, really quickly for me. It seemed like only a month or two ago that I was talking about UOB Lady’s becoming a 6 miles per dollar card (that happened in March) or the impressive boost to DBS yuu that made it a 17.5% rebate card (that happened in April). Bigger earn rates, however, were not the only thing that made this...