What do you think is the best first credit card to have? Most worth it in terms of returns/ cashback?

Depending on which bank your high saving account is at, the answer can be different. Personally i uses the DBS Livefresh for 5% cashback, min spending $600. Able to qualify for my DBS mutiplier account criteria too.

Hi Anon, you may want to consider Maybank eVibes credit card specially for students? It gives you 1% cash rebate on all spend, i.e. there are no merchant or category restrictions to earn cash rebate. There's also an Adidas wristwatch when you sign up for the card!