Hi guys, it's the end of the year and when researching the best credit card combos for cashback I stumbled upon the old '2020 credit card' thread so decided to open a new one! This year it seems that virtual banks have come into the mix - what does everyone think and would it shake up your current card line ups? I just signed up for the HSBC red, plan to use it for online payments (late to the game I know).. also discovered this BOC taobao credit card which has 0% handling fees for overseas payments - online / physical store! Sounds pretty good. ZA bank seems to offer lots of free money via promos right now.. MOX is good for the 5% rebate on 'founding merchants'.. super confusing and hard to decide on what combo to get. Would love to hear everyone's advice and comments..