Which credit card has the best perks/ unlimited cashback? My online spend is around 30k per month

Either Standard Chartered Unlimited Cashback (1.5% cashback) or UOB Absolute Cashback (1.7% cashback). Both have no caps to cashback, which is perfect for your $30K spend. If you're racking up this spend from a business you run, consider the UOB Business Metal Card (2% cashback on dining, 2% cashback on overseas spend, and 1.5% cashback on all local retail spend). If you're running a business, you can perhaps combine the UOB Absolute Cashback for certain expenditures (e.g. online ads, online inventory orders, etc.), and then use the UOB Business Metal Card for entertaining clients, purchasing gifts for business partners, etc.

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For a start, I would recommend the Amex Krisflyer Blue, where you will obtain up to 13,300 KrisFlyer miles (worth $266) and $200 statement credit if you sign up using this link and spend more than $3000 in the first three months. You will also be gaining 1.1 miles per dollar with​​​ no cap to the maximum number of miles earned.

Thereafter, you can consider other Amex cards, but those you will have to pay a annual fee, so if you are just starting out, can sign up for the Amex Krisflyer Blue first and upgrade later!

Hope this helps!

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