rem i was analysing e points system of credit cards and concluding dat it's so pointless? kian reminded me dat there's still e cash rebate system, so i sat down today n zoom in on e cash rebates for each credit card:
citibank dividend card:5% petrol
2% dining, groceries, pharmaceuticals
0.5% others
POSB everyday card:5% groceries
3% health & beauty
1% utilities
0.3% others (non-participating merchants)
standard chartered manhattan card:0.5% for $1-$500
1% for $501-$1500
2% for $1501-$3000
5% for >$3000
UOB ONE card:$30/$80 cash rebate per quarter if u spent $300/$800 in each of the 3 consecutive mths wif min 3 txn per mth--> this works out to 3.33%
conclusion:if u r gg for convenience, manhatten card will be a good one to get cash rebates as u hav no restriction to categories or timeline. but UOB card will give more rebates if u diligently follow e requirements and cut-off periods. if u spent a lot on dining, use the citi dividend card.