My first Platinum cards! All these while I've been using this particular bank's gold cards and I usually chalked up quite a bit of expenses on my credit cards on travel, dining or accomodation. Based on my spending pattern (or maybe my good payment records), they've upgraded my gold cards to platinum cards; with the annual fees waived for 3 years! Credit cards are very useful in an emergency, especially when you are overseas but a bit of advice though, do not spend beyond your means and always pay in full every month as interest rates charged by card companies are as high as 24% per annum! I do know of individuals who pay by installments and end up servicing their "loans" for a long time and some would choose to default!. Always use cash whenever possible. (For security reasons, certain numbers in the above photo have been erased).