Hello, I'll be going on a holiday in the next couple of months to SE Asia and Hong Kong and was just wondering what sort of money I should bring there. I think the majority of purchases will come in Hong Kong....and was wondering if I should take out a credit card (never had one before, EVER!) to cover for purchases and emergencies. Is there a good credit card out there with: * Good exchange rates * Minimal or no fees (preferred) associated with overseas transactions * No annual fee * Interest-free days On a side note, when a company like say BankWest's Zero MasterCard says 55 Days interest-free, does that only apply for the first 55 days when the account is open or does it apply to each transaction individually. i.e. you have 55 Days to pay off each purchase...how does it work...etc???...i've never used a credit card before. I also plan to use this credit card going forward for odd purchases over the internet. I normally use cash to pay for my purchases and thus, have a good credit history (plus I don't impulse buy alot...well, at least i don't think so..LOL). Thanks.