What credit card do you use for your DBS Multiplier account?

Hey there! I AM IN A HUGE DILEMMA AS WELL.

Based on your spending patterns, I believe DBS Live Fresh works best for you. Unless you are a miles person then you should consider DBS Altitude (btw the miles don't expire) or DBS WWMC (miles expires every year).

For DBS Live Fresh, it is 5% cashback cap at $400 per category spent (min. $600 spent per month)

Category meaning: Online, Contactless (PayWave) and Other Spend.

Based on your $400-$950 spent on expenses, it doesn't look to me that you're reaching the cap of $400 per category spent. If you are for ONE category then consider rearranging your expenses, so like instead of spending online, go to a physical store to make the same purchase but using PayWave. :)

Anyway, just wanna add that you don't have to spend just to earn the extra interest rate on the Multiplier. A decent S$1 macs ice cream like what Gabriel mentioned will do the trick.

Edit: Forgot to mention Live Fresh is having a 10% cashback SimplyGo promo too!

For DBS multiplier, there is no minimum spend required on credit cards.

I use POSB Everyday card, every month just spend $1 on Mcdonalds ice cream to clock the requirement.