[simonkwMember@simonkwJoin Date: 2011Post Count: 2]

October 9, 2012 - 2:53 am

Thanks everyone for the comments. I'll go with credit card then.

I have 2 credit cards – Coles (no fee) and the Woolies credit card which I call them yearly to ask them to waive the annual fee. I always pay off my credit card on time. Given any sort of fee as oppose to collecting points, my mantra is saving on hard-earned cash is better than any reward points. Reward points is a bonus.