Depending on how you utilise the cards. 1) I used OCBC Cashflo card for all insurance premiums. I converted all my premiums to yearly payments and clock it under thisthis card. Reason being, if the premiums are more than $1000, it will auto translate it into a 6 months instalment plan. If less than $1000 It's a 3 months instalment plan. All with no additionaadditional charges. Secondly, if the monthly payment exceeds $1000, it's a 1% monthly cash back. Lesser than $1000, it's 0.5% cashback. Note: not alall cashback cards gives cashbacks for insurance premiums. 2) I put my starhub bills on recurring basis on my bonus saver credit card. Starhub gives me 100 free sms (for my grab hitch usage) monthly by doing credit card recurring payments. At the same time I gain usage at my card to increase my bonus interest (0.78% pa) earn on up to $100k deposits in my bonus saver account. 3) utilities bills are parked under my hubby's posb everyday card. He has a DBS multiplier account. 4) minor spendings will first be looked through the above 3 mentioned cards. If I have met the minimum, then the rest will be spend on unlimited card or Citibank rewards card. Depending on my spending in the month.