Asked 4w ago
But loads of people say that you should just apply and reap the benefits of each one... Isn't it very stressful to manage so many cards?
Yes, you are losing out.
Different cards have different benefits, and if your monthly expenditure is big enough, a different combination would be best to max out the benefits.
Since you don't spend much and find it stressful to manage too many cards, why not just get 1 general spending card without minimum spend requirement? Some suggestions below.
Standard chartered unlimited card (1.5% rebate)
Amex True Cashback Card (1.5% cashback)
Citibank Cashback Plus Card (1.6% cashback), need to SMS to redeem cashback which I find stupid
Savings is small, but better than nothing. Also these banks/credit card companies also sometimes run special promos, like 1-for-1 dining, extra rebate for groceries, promo codes for lazada/shopee/foodpanda/Deliveroo.
Having a credit card, which you spend on and pay off promptly also help build your credit history.
It shouldn't be too stressful if you set up automatic bill payment. Just be sure that you spend what you can afford.
As for the perks, rewards and suitable cards for you, ZY has them listed.