Always offer to pay for meals first and then collect from friends afterwards! You’ll gain on the cash back! You can also sign up for ABT with TransitLink to use your MasterCard on public transport rides! East tracking of transportation expenses and maybe earning of cash backs from the little amounts accumulated? If you’re a student or NSF, who don’t have high expenditure, loans etc with the bank, can consider for high interest savings account without no strings attached. Like CIMB FS A/C.