What should I focus on for Standard Chartered and Citibank SMRT card, or should I be thinking about getting the UOB ONE card too?

Do you have a minimum spending per month?

If you have at least $500, UOB one will be a good choice, due to the quarterly rebate. The billing is the frustrating one, and do take note of the T&C of the card.

Do take note grab TOP up for UOB will not be eligible for the quarterly rebate starting from 16 March.

I used SMRT to complement as I really need to take transport on a daily basis. The EZ reload is useful and there is a 2% smrt dollar rebate.

I think getting a UOB one card is good - especially with the account! I'm thinking of getting it too. Just make sure you can hit the min spending requirement

I think the UOB ONE card is pretty good if you can meet the criteria for cashback.

UOB One - spend $500 or $1,000 monthly for 3% cashback. If you are able to consolidate all your expenses to $2,000 monthly, you get 5% cashback. Either way, it boasts to be one of the highest cashback card.

Additionally, they have more relaxed terms and this is certainly worth the shot.

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