5k to spend, which credit card to use for maximum benefit?

I'm currently using the OCBC 360 account and card to credit my salary and spend (I'm only using one card). But since the minimum spending is only $500, what other credit card might give me greater benefit given that I need to spend $5k?

I'm also looking at traveling to Europe this year and was wondering if a miles card would be worth it? I spend just about $500 or less per month though, and I'm not loyal to certain flight groups, just whichever is cheaper.

Thanks in advance!

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Tony

08 Jan 2025

Computer Engineering at Nanyang Technological university

5k is spend on what category? you can spend $800 for OCBC360 to get bonus rebate for certain categories spent on OCBC 360. If cashback, AMEX true cashback 1.5% not bad, UOB Absolute 1.7%.

Checkout the Seedly credit card signed up bonus and see which one fits your spending better.

https://seedly.sg/reviews/sign-up-bonus/credit-...

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I.L.

06 Jan 2025

With OCBC 360 account, I personally prefer OCBC infinity cashback card since it has no capped on the cashback at 1.6 %.

For miles, I think UOB has better miles cards.

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cctzjd

05 Jan 2025

Own time own target at Self Employed

Depends on if you're a cashback, frequent flyer miles or rewards points person

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Debbie

05 Jan 2025

Given your OCBC 360 already covers basic spending, you could look into some multi-currency travel credit cards, offer perks like better FX rates, miles accumulation, or cashback on overseas spending.

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Kenneth Chan

03 Jan 2025

Wealth Manager at Phillip Capital

If you are doing miles, can consider to follow The MileLion - he breaks down the strategy to earn as...

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