If you’re living overseas for a few weeks or months, what’s the smartest way to pay without carrying a wallet full of cards — or wiping out the value of your miles with foreign-currency fees? Michelle Martin speaks with Tim Phillips, Founder of TimTalksMoney, about building a simple two- or three-card strategy for spending abroad. They unpack when 4-miles-per-dollar cards really deliver, the spending caps to watch, and when a multi-currency card may actually leave you better off. From flights and accommodation to groceries, transport, rent and ATM withdrawals, find out which card to reach for — and why you should almost always choose local currency when a merchant offers to charge you in Singapore dollars.