Getting your first credit card? Find one that fits your lifestyle best

Experts advise taking stock of your existing spending habits to maximise future rewards

- Christie Chiu

When Ms Janeil Hoo was six months into her first job, she decided it was time to take a big step and get her first credit card.

"I figured that since I was already spending money, I should earn something out of it," said the 24-year-old, who works in talent acquisition.

She scoured financial blogs and spoke with her friends before applying for a credit card from Citibank that would give her 1.6 per cent cashback on all spending.

She chose the card because it was "easy and fuss-free". Other credit cards she looked at required cardholders to track their spending and figure out which categories they fell under to maximise their rewards, which she found overwhelming.

Like Ms Hoo, many young people may find navigating the myriad of credit card options daunting.

Credit cards, which typically require cardholders to have a minimum annual income of $30,000, should be taken advantage of for their rewards, said experts.

But before you run off to the nearest bank, the experts suggest you take stock of your existing spending habits in order to select a card that best rewards you for your lifestyle.

Read on to find out which cards may be the right fit for you.

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The UOB Lady's Card, which awards points equivalent to four miles per dollar spent for a selected category among eight, such as dining and shopping, is a good option, said Mr Aaron Wong, founder of travel website The MileLion. Alternatively, the DBS Woman's World Card offers users four miles a dollar for online purchases.

Both cards are partners of frequent flier programmes by airlines such as Singapore Airlines and Cathay Pacific.

Despite their names, the cards are available to both men and women.