First and formost, REALLY love the idea of miles and then trading them for trips around the world. And just like you I too wondered on what card to start with. At 21 after army, I was teaching part time while attending uni, so I had a little bit of cash to play with. My expenses were very little, just phone bills, ez-link card and utility, so the amount of miles I could accumulate was quite pathetic tbh hahah. I had a UOB account as that was how my employer would pay me, and with that, I decided to get a UOB one card. When applying, I was given the 'cocktail' package. I got the UOB One card, UOB YOLO card and UOB Privi Miles. The Miles card was indeed tempting. I ended up with the UOB One card as I was able to hit a higher return with that. Yolo was great if I take grab everywhere and ate out on weekends. Long post but hope this helps with making a decision.