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If you do spend more than $400 a month, then the DBS Visa Debit Card would be better at 3% cashback. To get even more rewards, I link my phone to Google Pay and pay contactless via my Phone linked to my Debit card. I get the 3% and Google Pay has rewards from $0.50-$50 for the first 3 transactions(min $10) every week.
If you would like to sign up to Google Pay and get a $3 referral, use my link below. Do share the link with family and friends too to earn more cashback as well.
https://g.co/payinvite/zd3me0t