Which specific credit card or any payment method can get min. 3% cashback/loyalty/reward for monthly spend below $300 on groceries & online purchases? Excluding bills as most issuers exclude that.

Pls allow me to elaborate my specific situation. After being retired for over 9 years now and been living very simple and frugal life averaging around $200+ monthly spend, I found that all the cards which I currently hold have monthly minimum spend criteria ranging from $500 to couple of thousands to qualify for 3% or more cashback, or else those only returns miserable 0.2% cashback/reward.

These are the credit cards I am now intending to terminate in view of this situation:

• citi smrt, citi cashback
• stanchart unlimited, manhattan and in fact all stanchart cards

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Debit cards from the 4 local banks also doesn't seem to give decent cashback/reward. Also cards like youtrip and wise I am thinking of cancelling too.

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Anyone have switched from spending on credit cards to alternative payment methods such as Grabpay, shopeepay, atome, etc. and using them actively? What kind of cashback or reward % are you getting and is there minimum monthly spend criteria to hit the %?

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Appreciate your helpful advices!

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Edited 24th Apr:

Given that there is no other advice, I dug deeper into the web to search for the nearest possible alternatives, and in case anyone in the future would face similar situation as me, here are 2 very useful articles found which suggested the best possible combo for 2022 and possibly till 2023 (well... T&Cs keep changing every couple of years). That is, the Absolute card + Grabpay combo gives the closest cashback % target to my goal at 2.9%. I think this is a brilliant strategy for retirees with low monthly spend.

• UOB Absolute Cashback Card — MoneySmart Review 2022 - MoneySmart.sg
• Best Cashback Credit Card 2022 Edition: Here Are The Credit Cards You Need to Own! (seedly.sg)