I am a huge advocate of all forms of cashless payments. Personally use Grabpay, Favepay, Visa/Mastercard through Apple Pay, Singtel Dash, Netspay. My preferred mode of cashless payment is always the one that offers the best cashback or rebate for that particular merchant: For example, -Grabpay offers new promotions every month(e.g Liho, Toast Box,etc) -FavePay offers 5-10% cashback for subsequent purchases with several partnered merchants. -Netspay offers $0.50 off on Wednesdays and Fridays at campus canteens -Apple Pay provides the convenience for me to use my debit cards via a contactless method(used to have promos when Apple Pay just debuted) During the DBS Beep Beep Kaching promotion that lasted about 6 months which unfortunately ended in Sep 2018, I tried to use contactless payment as much as possible to qualify for the minimum $400 in spending via contactless payments. This was done using NetsPay at NETS-only merchants and my DBS Visa Debit Card thru Apple Pay(or Paywave) at merchants that accept credit/debit cards. I was able to earn between $40-$50 cashback per month with a minimum spending of $400 and cashback capped at $50 with spending of $500 per month. This 10% cashback comes with a condition that no cash withdrawals can be made via ATM. During this period, I withdrew cash from an alternative bank account whenever I needed cash. To answer the question, my favourite cashless form of payment is the one that rewards me the most at the time of transaction.