What’s the best way to maximise cashbacks with low spending? Help me digitalise my wallet, I’m still using cash and traditional EZ-Link card.

I'm a fresh grad. I have been using PayNow to pay my phone bills, medical bills, top up Shopee Pay. I still use the traditional EZ-link card. I rarely eat out as a student but I guess I would need to eat out when I start work. I only have a debit card(?) like a POSB account.

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I'm very frugal (because I don't earn much, starting low 3k with degree in social service sector). Now I'm trying to find a credit card to maximise my cashback (phone bills, medical bills, public transport).

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Seems like a lot of credit cards have a min requirement of $500 spending + credit salary to earn the cashback advertised. I definitely would not hit $500 because I can't afford to.

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Also, is it better to use Simply Go or EZ link or SMRT Citi card?

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Is there a card that can help me earn cashbacks for food, grocery, phone bills?

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thanks!