Which credit card(s) strategy to use for 1) lump-sum retail in-store payment of $4k 2) split payment of the same amount for perks? TIV :)

One way to use a BNPL (buy now pay later) like ATOME. you can split up a $4k into 3 payment to manage any monthly cap for miles cards. you can even change card for each installment. Also does the job of turning offline purchases to online.

Standard Chartered Smart Credit Card or Simply Cash Credit Card. You can use SC EasyPay to split your bills to 3 months (0% interest), and 6/9 months (small fees apply). This is useful for merchants that do not offer any credit card instalment plan. To split the bill, you select the transaction and apply SC Easy Pay to it. The payment will be split to 3 months. You will pay each instalment when you receive the monthly statement.

https://www.sc.com/sg/bank-with-us/manage-your-...