2025 Credit Card Cheatsheet

Your 2025 New Year's Resolution - use the right credit card strategy so you make the most out of your spend. Remember - do not spend unnecessarily! Spend only what you should but get the best value out of it.

My spend categories are broken into the following categories (in a simple cheatsheet manner and not having to memorise too many T&Cs):

1. Dining

2. Groceries

3. Online Shopping (Taobao, Shopee, Lazada)

4. Offline Shopping

5. Petrol

6. Telco Bill

7. Utilities

8. Insurance

9. Travel (Air tickets / accommodation)

10. Overseas transaction

11. Everything else

The Rich Poor Dad's Cheatsheet

If you need a pictorial view, check out my stories on Instagram, or familiarise yourselves with these card designs.

There you go - the best Christmas present you could have asked for.