Is it wise/possible to survive without a credit card once you start working?

Possible, definitely. Advisable - NO

To everyone its own, but I'd say it doesnt take much to be disciplined in this art and worst case, you can just consider using cards where convenience and for sure you wont loose anything!

Whether you use credit card or cash (or nets), the price is the same.

spending cash gets you nothing.

spending credit card either gets you

• cash back

• miles

• or extra discounts just for using credit card

For example, if you use credit card, you get additional discount on petrol spend. I call it a poor man tax on motorist that do not have credit card.

You get extra discount on dining too if you use a preferred credit card.

So credit card is a good must to avoid the poor man tax.

Watch this: https://www.youtube.com/watch?v=8Aj8STdGMvU

Credit card also provide credit protection, which debit cards do not. I managed to chargeback and got back my deposit when Obike closed down.

Yes it is possible to survive without credit card, but why would you not use a credit card that does not incur you extra fees (assuming you pay up monthly, no interest fee, no membership fees)

There are so many extra discounts associated with cards

1. online promotion- many cards give discounts for spending at Qoo10, Lazada, Shopee and other websites

2. F&B- dine at here, use XXX bank credit card, get free dessert or 10% off etc etc

3. Petrol- extra discount just by using an associated credit card. Its EXTRA LOWER PRICING for the petrol just by using a CC instead

4. free lower pricing for a lot of items by using cc

5. free cashback or FREE MILES just by spending.

6. free goodies or vouchers from the bank for reaching their spending target monthly (don't do it for the goodies.. just enjoy the goodies if u happen to spend that amount)

Credit card spending is unfair... to those without it.