Other players like American Express, HSBC and Standard Chartered Bank offer compelling reasons to attract everyday use of their credit cards with a wide selection of reward categories including flights, hotels, dining and entertainment, shopping and charity donations. While card issuers want you to spend on your card, they are increasingly focused on the quality of the customer and encourage a responsible approach to a life with plastic — and chips!



Notes:
1. The minimum monthly payment is subject to a fixed amount if this is higher than the minimum monthly interest calculation;
2. For HSBC credit cards, a monthly interest charge of 2% when the customer transfers their salary into an HSBC account; otherwise the monthly interest harge is 2.25% per month;
3. Information correct at time of going to press.