Finding the right credit card will take some research. You'll need to bear the following in mind.

The attraction in getting a student credit card lies in the terms and conditions of the cards: student credit card providers will allow you to borrow without having any regular income at all.

Shop around to find the cheapest credit card and don't restrict yourself to student credit cards. There are some really low interest cards around that don't have a minimum income requirement.

Some student credit cards offer money off in certain shops, but these are sometimes the same shops in which you'll get discounts with your NUS card. If this isn't the case and the discounts on offer are ones you'll take advantage of, a student credit card could still be a good deal for you.

If you're thinking of travelling, check which type of card is more prevalent in the countries you'll visit. MasterCard and Visa credit cards are both internationally recognised, but one might be a better choice than the other depending on the country you wish to use it in.

Visa and MasterCard are both payment systems, not credit cards in themselves. They rely on providers to issue credit cards using their system.There are no significant differences between them. MasterCard and Visa are the names of the global companies who manage credit cards. They can both be used around the world.

Chip and PIN (Personal Identification Number) technology is an initiative agreed to by Visa, MasterCard and Europay. Instead of signing for purchases, you need to use a PIN in exactly the same way as you do with debit cards.

A card holder agreement is an important document. It is the pamphlet that describes in detail the terms and conditions associated with a particular credit card. A card holder agreement is lengthy, but card holders should read it completely before using the associated credit card because use of such card implies acceptance of all stated terms.

A credit card-based cash advance is a method allowing the card holder to convert a portion of their available credit limit to cash.

Cash back offers are a type of rewards program where the cardholder receives a cash rebate equal to a specified percentage of the amount charged to the card on an annual basis.