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Sophie Kinsella’s best-selling novel Confessions Of A Shopaholic sees protagonist Becky engaged in a long-standing struggle between the black hole of consumerism and her own financial survival. The fact that it made it to the list of best-selling classics and then adapted for the big screen says a lot about how it touched a lot of nerves.

You could be one of them.

We at GoBear feel that while compulsive shopping does have a bad reputation, there are always smart ways to go about doing it without upsetting your bank account. Like fighting poison with poison. All right, we wouldn’t necessary label ANZ Optimum World MasterCard and Standard Chartered SingPost Platinum Visa credit cards as poison, because their generous cashback and rebates make it seem more like antidotes to your online shopping addiction.

Here’s how you can maximise your gains as you reenact a Becky-like shopping spree without the pain.

Online Shopping Benefits

Are you an online shopper? Then you might want to pay special attention to the ANZ Optimum World MasterCard and Standard Chartered SingPost Platinum Visacredit cards. Still doing it old school with the physical shopping? Then pay special attention to these two credit cards anyway, because they are about change the way you do your scheduled and spontaneous retail therapies.

Anz Optimum World MasterCard

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Due to popular demand, ANZ’s firecracker of an online flash sale has been extended to 16 October and there is no time like the present to apply for the credit card. ANZ 72-Hour Online Flash Sale takes place every weekend from Friday to Sunday; any purchases made online will earn you 10% in cash rebates, which can be used to offset future retail purchases. A minimum of three transactions has to be made in order to qualify for the 10% cash rebate, but it’s not that big a deal, right? You ought to be refreshing your wardrobe in preparation for the Fall/Winter ’16 season anyway.

The thing about physical shopping at brick and mortar stores is that it probably won’t ever go out of fashion. You get to try everything on for size. That is, if the stores are still open. What if you suddenly develop an itch to buy that new Chanel bag featured in the magazine you were just reading? And, how unfortunate! It’s already past midnight. That’s when the 24/7 nature of online shopping comes into play.

Standard Chartered SingPost Platinum Visa

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When you hold a Standard Chartered SingPost Platinum Visa, you can accumulate 7% cashback on all eligible online purchases, 2% on groceries and 0.2% on retail. Just be sure to spend at least S$600 per statement cycle to see the cashback in your account. The best part about this card is that you’re literally insured for the amount paid on the desired product; if you somehow stumbled upon the same item being sold at another online store for a lower price, you will be reimbursed 50% of the price difference for your reckless ‘add to cart’.

The privileges offered by Standard Chartered so far is starting to live up to the platinum name, but you’re probably still wondering about that ‘SingPost’ in the name. For SingPost’s speed post priority packages, you get to save on 10% of the cost. They know all too well that you can’t wait to get your hands on your new loot.

Travel Benefits

Often, the reason why we do online shopping accrues to the fact that our favorite brands may not be found on local shores. Either that or their prices are marked up way too high here. So we embark on the pinnacle of shopping and book ourselves a flight overseas.

If you do, pay for your shopping escape with ANZ Optimum World MasterCard.

As a cash rebate credit card, the first order of business after you get it in the mail is to log on to the ANZ website and select your preferred category (dining & leisure, travel, shopping, groceries). The chosen category would earn you 5% cash rebate for all spending on that particular area, and the rest get 1%. Obviously, the traveling shopaholic in you would instinctively go for travel. On top of the 5% cash rebate you receive for all your airline ticket and hotel bookings, you also get to enjoy extra privileges of the credit card in the form of up to 10% discount on Emirates, 12% on Expedia hotel bookings and S$20 off Uber rides. Well, taking an Uber car does fall under traveling in the technical sense.

Standard Chartered SingPost Platinum Visa’s 7% cashback continues to work its mojo in the travel space as well. Here’s an illustration: let’s assume you woke up to a newsletter in your email alerting you to a Thai Airways flash sale to Bangkok, and you immediately jump on it through crusty eyes. You spend S$245. And then you swipe to your next email and find another newsletter, this time by Agoda. There is a four-star hotel in the city center of Bangkok going for S$420 for the entire duration of your stay. You go ‘555!’ and nail down a booking. Just like that, you already get S$46.55 worth of cashback.

Your savings could be much more than that, though. Under the travel wing of Standard Chartered’s Good Life program, card holders can take advantage of up to 15% discount on renowned Singapore hotel room rates and additional 9% discount on worldwide hotels via Asiatravel.

Talk about going places, both online and offline.  

Mobile Payment Benefits

Wielding a credit card means you don’t have to carry cash in your pockets. Now, wielding a smartphone means you don’t have to carry credit cards. Oh, how the times have changed with the premier of Apple Pay. Setting up a digital Standard Chartered SingPost Platinum Visain your iPhone is a simple matter of downloading the Wallet app and then doing a manual input of credit card details. It can also be done on an iPad or Apple Watch. From there, it doesn’t really matter if you left your credit card at home or you’re too lazy to rummage your stuffed cardholder for it. The new standard is whipping out your phone to tap it on the contactless reader.

For the ANZ Optimum World MasterCard, you get enhanced mobility with the PayPass feature. The Android compatible mobile payment can be used to settle your in-store purchases at over 20,000 spots in Singapore. Even if you need cash urgently, you don’t need any physical card to slot into the ATM. Cooly saunter over to the contactless enabled ANZ ATM and withdraw your cash using your phone.

Just don’t return the intrigued stares from the folks around you.

Eligibility & Offers

To be eligible for the ANZ Optimum World MasterCard, applicants have to be at least 21 years old and earning a minimum annual income of S$80,000. The annual fee of S$180 is waived for the first year.

Applicants of Standard Chartered SingPost Platinum Visahave to be between 21 and 65 years old and earning a minimum annual income of S$30,000. The annual fee of S$192.60 is waived for the first two years. Apply online on Standard Chartered bank’s website and stand to get rewarded with S$138 cashback to kick off your good life.

Apply for both ANZ Optimum World MasterCard and Standard Chartered SingPost Platinum Visa credit cards on GoBear!