This credit card has higher than average base earn rates for both local and overseas spending, with no complicated promotional miles mechanics. However, it is not as easy to use as some other credit cards - for example, the points earned expire quite quickly.
Using it to pay for one-off big expenses such as a wedding
People with big ticket purchases lined up, and/or frequent travellers (who can benefit from the high overseas spending earn rate)
One-off expensive purchases, overseas business spending
You are attracted by the high earn rates and don't mind keeping tabs on the bank's T&Cs and mechanics
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