What would you recommend if you have to choose between AMEX True Cashback VS Standard Chartered Unlimited? Which one should I go for?

Why not both? Just make sure you pay them on time.

If you prefer to have only one, then consider the points below.

1. SC Unlimited is a mastercard, so it is more widely accepted than AMEX.
2. AMEX has more attractive merchant promotions, but this is subjective. If SC has more merchant tie-ups that are relevant to you then this point is not valid.
3. Do you use grabpay a lot? As far as I know, Amex True Cashback is the only credit card that still offers cashback for topping up your grab wallet.

It depends on your spending habits. For instance, AMEX is known to have a pretty wide range of tie-up with merchants where you can enjoy some perks or additional cashback. However, not all merchants accept AMEX. Hence this is something that you need to bear in mind.

Other than that, both cards work about the same way.

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