This is the card I would recommend if you:

1. Only want one card
2. Prefer holding a Mastercard (than say, Amex or Visa)
3. Are planning to make a large purchase (> $3000)

Pros

This card offers a flat cashback of 1.6% on all spend with no minimum spend and no rebate cap. It is the card for the lazy person. If you want to spend less time deciding which card to use, but also want to get rebates on all your spend, then this is the card for you.

Honestly, I only use this card when there are Citibank-specific promotions – be it dining at Beauty in the Pot, or 14% discount off petrol at Esso.

Cons

1.6% is not a huge rebate. There are other cards which offer cashback from 3.33% to 8% of total spend.

Terms and conditions

As with most credit cards, there are no rebates for insurance premium payments, top-ups to prepaid cards or accounts, and payments to government and schools. Additionally, there are no rebates for transit-related transactions but Citibank doesn’t give examples of what transactions these includes. So if you suspect the transaction could be ‘transit-related’, don’t use it. LOL.

This is the card I would recommend if you:

1. Want higher interest (up to 1.1%) on your DBS Multiplier Account
2. Have card expenses between $600-$900 every month
3. Are willing to track your expenses on this card
4. Are willing to download the DBS Lifestyle app

Pros

This card offers cashback of 5% for online, paywave and mobile payments. There is also an additional 5% cashback for spend at a list of eco-friendly merchants. This includes eco-transport services – bus/train rides via SimplyGo, which means you get 10% cashback for public transport monthly.

Cons

The minimum spend is $600 in a calendar month, and there is a cap of $20 per category. In other words, to maximise the 5% cashback, you can only spend up to $400 on online purchases and $400 on paywave and mobile payments. Any spend that exceeds $400 in each category draws only 0.3% cashback.

Terms and conditions

As with most credit cards, there are no rebates for insurance premium payments, top-ups to prepaid cards or accounts, and payments to government and schools. Additionally, there are no rebates for hospital and utility bills, and parking lots.

Last updated: 29 August 2021

This is the card I would recommend if you:

1. Want higher interest (up to 1.2%) in your UOB One Account
2. Have card expenses of approximately $500, or $1000, or $2000 every month
3. Are willing to track your expenses on this card

Pros

This card offers a cashback of between 3.33% to 5% on all card spend, which is higher than the typical flat cashback card which offers cashback of between 1.5% to 2.5% (with varying rebate caps). It also offers monthly discount codes with various merchants. For instance, in September 2020, you can get $6 off minimum $30 spend at Foodpanda with code UOBSEP.

There is additional cashback of 5% from purchases from Shopee, Dairy Farm and Grab when you qualify for quarterly rebates.

Cons

You need to consistently spend the same amount every 3 consecutive months – $500, $500, $500 or $1k, $1k, $1k or $2k, $2k, $2k. There is no extra cashback for any amount spent over $500, $1k or $2k for the month.

1. If you spend $500, $1k, $500 – your rebate is $50.
2. If you spend $1k, $500, $2k – your rebate is $50.
3. If you spend $499, $1k, $2k – your rebate is $0.

Besides this, there is also a minimum of 5 transactions per month. You can’t go buy $500 worth of canned abalone every month. You have to buy $494 worth of canned abalone, $1.20 skittles, $0.90 coke, $2.20 pringles and $1.70 cadbury chocolate, in five separate transactions at NTUC.

Finally, there is a rebate cap of $50/quarter for minimum $500, $100/quarter for minimum $1k, $300/quarter for minimum $2k monthly spend.

Terms and conditions

As with most credit cards, there are no rebates for insurance premium payments, top-ups to prepaid cards or accounts, and payments to government and schools.

Last updated: 29 August 2021

This is the card I would recommend if you:

1. Only want one card
2. Are planning to make a large purchase (> $3000)
3. Love random cashback offers

Pros

This card offers a flat cashback of 1.5% on all spend with no minimum spend and no rebate cap. It is the card for the lazy person. If you want to spend less time deciding which card to use, but also want to get rebates on all your spend, then this is the card for you.

What I especially like about the card is the random cashback offers. For instance, in August 2020, they offered a $5 cashback on any spend on Shopee, up to 5 times, with no minimum spend each time. So I spent $21 for 5 purchases on Shopee and Amex credited $25 into my account. In other words, Amex paid me $4 to spend at Shopee. Thanks Amex!

Disclaimer: You have to activate the offers (with one click) when you see them in your email.

Cons

Not all places accept Amex. The happiest moment for me was when NTUC accepted Amex. Yes, I’m very auntie.

Terms and conditions

As with most credit cards, there are no rebates for insurance premium payments, top-ups to prepaid cards or accounts, and payments to government and schools. You can, however, still get rebates for top-ups to your GrabPay account.

This is the card I would recommend if you:

1. Only want one card
2. Have card expenses between $0-$1500 every month

Pros

This card offers a flat cashback of 2% on all online, paywave and mobile payments in Singapore dollars. There’s no need to think of which card to pull out of your wallet if you only have one card. It saves your brain’s memory space. All you have to remember is to make sure the merchant does not swipe your card, or insert your card into the machine, as the cashback drops to 1% if that happens.

Don’t be shy to ask, “Eh, do you accept paywave?”

Cons

There are other cards that offer better cashback from anywhere between 5-10%. A flat 2% rebate, with a cap of $30 rebate a month, pales in comparison. You really could do better.

Terms and conditions

As with most credit cards, there are no rebates for insurance premium payments, top-ups to prepaid cards or accounts, and payments to government and schools.

https://www.sc.com/sg/terms-and-conditions/spree-credit-card-terms-and-conditions/

When to apply for this card

If this is your first Standard Chartered Bank card, make sure to wait for a good sign-up offer. From May to June 2020, the member-get-member promotion was $150 cashback upon approval, with no minimum spend.