I was thinking of getting a credit card that can give me good rebates. I am considering the Citibank SMRT card, but not sure if all my onlline spending will be recognised as such? Are there better cards out there for me?

I like the American Express True Cash Back. Here's the URL to apply: https://www.americanexpress.com/sg/campaigns/tr...

Cashback rate: 3% for first 6 months, 1.5% thereafter. Cashback credited to your account within the same month as your spend.

2.5% cashback for all overseas spend.

Cashback cap: $5,000 for the first 6 months, NO cap thereafter

Min. spend: None

Other bonuses:

• Free travel insurance (up to $350,000 cover) when you purchase air tickets with this card

• $160 cash gift if you spend $500 within your first month of receiving the card (only for new Amex cardholders) - valid only till 15 March 2021

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Can consider UOB one if it is $500 monthly.

SMRT card once you reached minimum of $300, the rebate increased by 0.3% , in terms of SMRT dollar which can be converted as rebate for your bills.