Which Mastercard credit card is good to have, just as a spare card? - Seedly
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Anonymous

Asked on 04 Aug 2020

Which Mastercard credit card is good to have, just as a spare card?

I was at dinner tonight and was wondering if there were any promotions / discounts I could get for my meal. Found out there was a 15% discount if I paid with Mastercard. To my horror, I realised that all my credit cards were Visa. I did not have a single Mastercard and had to pay the full price of my meal. Now I'm hunting for a Mastercard credit card to keep around for instances such as these.

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Hi anon,

Try the CIMB mastercards (world/platinum). They are zero fee cards and you can just stick it in your wallet and pull it out when needed.

Take note however, that if you don't use it frequently, you must remember to pay the bill when it is due. Some people might forget to pay the bill since it's not their main card.

I keep both CIMB's Visa and Mastercards in my wallet, just in case.

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Nelson
Level 3. Wonderkid
Updated on 12 Aug 2020

A simple card to meet your needs may be the Stanchart Unlimited card (1.5% on everything), or to simply get a MasterCard debit card for your bank account, since you're after the bulk 15% discount with actual card rewards mattering less.

These promotions seem to be far and few these days though - most tie ups (if any) are more closely associated with partner banks and respective cards. While it's a one-off and the 15% indeed does sting, the question is whether you wish to carry a dummy card along in your wallet at all times for such rare occasions.

You could also put across the case that this card may be loaded into your phone on Apple / Samsung / Google Pay. However, it also brings you down the slippery slope - what if the next time there's a bank specific promotion and you don't have a card from that bank? The next course of action would be to then sign one card from every bank, hoping to never miss out on such deals.

While it's a good thought to have and doesn't hurt to have an extra card, it's probably also a good chance to think where you're comfortable to stop at.​​​

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Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered on 05 Aug 2020

Given your case, you may want to look at zero-fee credit cards since these expenditure may not be very frequent (depending) or high transaction amounts. For myself, I have been using CIMB AWSM (18-29 y.o).

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