Anonymous
Since the CITI clear card seems to have lost it's lustre after the free Zouk entry days.
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Pang Zhe Liang
21 Feb 2020
Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)
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Depending on your spending habits, I'd suggest 2 cards, either the Citi SMRT Card or CIMB World Mastercard. Citi SMRT Card is great if you often patronise the outlets the cards give the most benefits for, otherwise the CIMB World Mastercard seems to beat SC Unlimited and Citi Cashback+ with its 2% cashback on certain categories.
Seedly did an article a while back (albeit before Citi Cashback+ was launched) but it still provides really good info:
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I like Citi SMRT for about 1.7-4.7% cashback on diff categories and HSBC Advance for 2.5% cashback f...
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For dining, you may wish consider Maybank Family and Friends credit card. If you spend $800 or above, you get 8% cashback. Alternatively, you may consider Citi Cash Back card - 8% cashback for dining when you spend $888 or more in a statement month. Otherwise, you may consider POSB Everyday card where you will receive 5% cash rebate.
For online food delivery, you may consider POSB Everyday card. In return you get 15% cash rebate.
For general spending, you may wish to consider UOB One credit card. If you spend $2,000 consistently every month for a billing quarter, you will receive 5% cashback.
For online spending, you may wish to consider Standard Chartered Spree credit card. In return, you earn 2% cashback for all online spend in local currency or 3% cashback for all online spend in foreign currency.
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