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If this digit is 9 the next three digits are the country code from ISO 3166-1.

Thanks to the various online shopping portals open to Singaporeans, there’s nothing stopping you from making a purchase or two while standing in a sardine can MRT cabin on your commute to work, or sneaking in a shopping spree at the office when your boss’s back is turned.

The first digit of the issuer identification number is the major industry identifier (MII).

It identifies the industry where the card will be most used in.

You can now buy virtually anything online, from clothes, books and electronics to groceries and your next holiday.

If you’re going to go broke shopping online, the least you can do is to find a credit card that will reward you handsomely while you’re at it.