Sound exactly like what my juniors asked me when they first started work. the cards that you're making reference too seems like different card type (Live Fresh and SCB unlimited should be cashback card while Altitude is surely a miles card). Perhaps you might want to consider taking a step back to see what type of cards suits your lifestyle more (points, cashback, miles). Typically most fresh grad choose cashback card cause it just help with cashflow and savings but if you want to aim for a big holiday/honeymoon for example in 2-3 yrs time, then maybe a miles card might be more a possible option. Also can i just double confirm that you already have a multipler account (assuming your fresh grad pay meets the min. to benefit from a multipler account). Because if you're using a multipler account yet, you totally should be considering it as it helps your finances from a broader perspective. Taking into account that to reap the benefit of a mulitpler account, you need to use the account's bank cards and the fact that you need to spend a min and assuming that you're not likely to spend much for a fresh grad, you're pretty much limited to the cards offered by the multipler account's bank. For example, if you're choosing a DBS multipler, you're now limited to either Live Fresh or Altitude and the others will then not be of concern.