Which multiplier account is better for a fresh grad? DBS, OCBS or UOB?

Depends on a lot of factors. Let’s say you are earning salary of 2800 (after cpf deduction), spend $500 a month and current saving balance of 10k.

DBS Multiplier -1.85%

• Salary credited to any posb/dbs account under your name
• No min spend on DBS credit card (any amount will do)
  Eligible transaction per month 3300, thus giving you 1.85%

UOB One -1.85%

• first 15k - 1.5% min spend of $500 on credit or debit card (MUST)
• first 15k - 1.85% if meet credit card spend and giro 3 bills/credit salary

OCBC 360 - 1.5%

• first 35k - 1.2% if salary credited
• first 35k - 0.3% if min spend of $500 on ocbc credit card

Based on the above assumption, either DBS Multiplier or UOB One is good.
If you spend less than $500 a month on credit cards, you can go for DBS Multiplier.
If you have 3 bills to giro, you can open both DBS Multiplier and UOB one as UOB one doesn’t require salary crediting as mandatory component compared to DBS, OCBC.

You can also refer to the link on comparison by Seedly.
https://blog.seedly.sg/best-savings-accounts-si...

If you’re not yet earning a salary, pretty much none of the multiplier accounts would be useful to you.

Nevertheless, the rule of thumb is that it usually depends on your salary amount, your monthly expenditure via debit card / credit card, and GIRO payment for bills.