Firstly, it’s always recommended to carry some amount of local currency in physical form (cash) during your travel. This can come in handy for basic essentials including taxi fares, service tips, etc. However, avoid carrying large amounts of cash. Besides being inconvenient, it carries the obvious risk of security. So, it always makes sense to equip yourself with a card . It immediately overcomes some of those risks, offering you:

• An ease of carry
• Possibility of being blocked immediately if lost or stolen
• Allowing withdrawal of cash, in case necessary
• Possibility of being blocked immediately if lost or stolen

4 reasons to use a credit card when you travel

Besides some of the obvious benefits, using a card on your travel can accumulate some very viable benefits and privileges. Amongst others, these include:

• Benefits on foreign purchases: Using a card can help you accumulate points on spends made. As a case in point, the Citi Premier Credit Card offers you ThankYou® Points. Earn 2 points for each USD 1 spent in foreign currency, that means whether you book hotel stays, shop or spend on entertainment, paying in foreign currency gets you more points.
• Airport lounge access: As a traveler, waiting for flights can often be one of the most unwanted parts of the trip. By getting yourself a card, you can often open up access to complimentary access to airport lounges world over which would make the waiting period pleasurable.
• Enjoy exclusive travel partnership programs: Be it flights or hotel stays, a credit card could provide you with exclusive deals which can help you save a lot. As a World Elite™ MasterCard® Cardholder you could avail of an additional free night stay across over 175 Starwood Hotels & Resorts properties in Europe, the Middle East and Africa.
• Insurance coverage: One of the added benefits of owning a card is an add-on insurance coverage. From plans that cover inconveniences such as luggage going amiss or flight delays to medical care in the case of an emergency, this could cover such unforeseen circumstances.

It is essential you understand the benefits and costs associated with the card and opt for one which best suits your travel plans. Citibank UAE offers a range of cards to suit your travel – from letting you earn Skywards miles to travel insurance and complimentary stays, these cards cover all of the essentials in ensuring a hassle free trip.

Finally, while opting for a card carries benefits, it is essential you exercise some caution

• Do not share your PIN with anyone
• Do not handover the card for use in your absence. Ensure it is swiped in front of you.

By doing so, you can avoid misuse of your card. Keep your card providers’ helpdesk phone numbers handy in the case of an emergency. CitiPhone Banking Services offer you a 24 hour service on +971 4 311 4000 to help address any emergency.

Content exclusive to Citi by Wealth Monitor. The views expressed here are those of the authors and do not necessarily represent or reflect the views of Citibank UAE.