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Anonymous
Context: I'm a fresh graduate and I do not expect myself to spend much with the credit card. I am looking for a card with the most rebates and least annual fees to pay. Does POSB Everyday Card seem like a wise choice?
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Hi. It depends on what you are actually spending on.
For POSB Everyday card, its benefits are for specific merchants. Like SPC and Sheng Siong for the high cashback. Bills is only 1% and everything else is only 0.3%. Which means that if you use the card for any other transactions like online shopping you only get 0.3%.
I'm currently using DBS Livefresh Card. 5% rebate for Online spending (capped at $20) and also 5% for paywave transactions (also capped at $20). But minimum spending of $600/mth. If you are unable to hit the min spending it'll be 0.3% (same as POSB Everyday)