Credit cards often come with privileges such as rebates when purchases are done at certain shops. Other privileges include discounts at cafes or restaurants.

In addition, weddings at certain hotels can also come with discounts by using certain cards. Thus, it is good to make use of the privileges to ensure that money spent has added value.

For those who constantly swipe a particular credit card due to personal preference, you soon realise that you have collected enough points or rebates for redemption.

Such rewards expire after a given period of time. Remember to make use of the rewards for a holiday, shopping, buying furniture, replace that spoilt iron or blender, or redeem shopping vouchers.

In addition, banks may partner with hotels and bridal studios so as to provide packages with discounts for couples preparing for their weddings.

Make full use of the privileges as you have spent quite a sum to enjoy the rewards.

Ladies have the choice of DBS Woman's Card or UOB's Lady's card. Both provide privileges for women's indulgence such as spas that cater specially for the lady.

Ladies get to enjoy free admission into some clubs like St James Power Station. They get to enjoy shopping sprees, fine dining and pregnancy packages in the hospitals.

As a married woman, being pregnant means there is the hospital to consider, thus, the cards are bundled with pregnancy packages for the mother's convenience. This helps to offset the hospitalisation fees.