Jakarta, CNBC Indonesia – Credit cards have many hidden benefits as a means of payment. However, when using it, you certainly have to be wiser and able to restrain yourself.

Apart from promos or transaction discounts at selected merchants, there are actually two things that are generally the main features. These features are miles and cashback.

You may already be familiar with what cashback is, because the cashback or cashback feature is often found when you shop at retail outlets or e-commerce.

Meanwhile, Miles is the term for reward points that customers get from travel type credit cards. You can collect and exchange miles to buy plane tickets from airlines. The bigger your transaction, the bigger the miles you will collect.

So which one is better to have for beginners? Here’s the review.

Both are good and it all depends on needs

Both miles and cashback credit cards are actually equally good as long as they are used correctly.

Even though a miles credit card can benefit you if you need to travel, this credit card is certainly more intended for those who have the privilege of regularly traveling abroad, rather than those whose income is mediocre or are beginners.

Especially for beginners whose transactions are relatively low, a cashback credit card is certainly not the wrong choice. Because every point collected can actually be used to cut credit card bills or shop if done correctly.

However, the thing to remember about credit cards is that this card is only a means of payment. There is never a limit to how many credit cards you have, and someone can have more than one card.

Therefore, using a credit card must be accompanied by a good understanding of finances.

[Gambas:Video CNBC]

(aak/aak)