Oh what an interesting topic. Like me diggy in my opinion I'm using both UOB Absolute, Citi Cashback.

Hmm I only have the UOB Absolute so I can only speak for it. Yes the main selling point is grabpay points but that’s not all! The exclusions really make it an ideal choice. And if Capistar is your thing then Amex does give some extra points and promotions from time to time but that is at the expense of your grab points though so you need to constantly calculate which is more worth to use

I’m not sure if the Citi cashback card allows for ewallet topups? They didn’t specifically mention ewallet on their terms and conditions. But Citi rewards are hard to utilise and unless you spend at their participating partners often then there’s an added benefit? I don’t see much utility in a Citi card tbh do share if you have any experiences!

Since both are no minimum spend and assuming the company will always waive the annual fees then I guess you could get both?

But idk will it make you want to spend more just to receive the cash back?

I guess the main decision should be on savings you get with the cashback for necessary expenses and not to incur more expenses to obtain the cash backs!