Does your company not allow other options? Most (if not all) companies should have setup their bank accounts with local banks or foreign bank with a Singapore branch, which actually allows for GIRO or FAST payment to any of the approved bank institutions. You can check out this website https://www.abs.org.sg/consumer-banking/fast. I would think you can discuss with your company's payroll or HR to see if other bank accounts (like DBS multiplier or UOB One) are possible for you. OCBC 360 is actually not too bad now after a revamp of their benefits, if I were you I would forgo the interest rate for CC since you are not able to hit the minimum required spending for the OCBC 365 CC, and the benefits of other OCBC cards are not too attractive. You can work to get higher interest rate by putting in fresh funds in future, or just by maintaining a higher average balance compared to the previous month as well. In terms of cashback credit cards, I would think Standard Chartered Unlimited Cashback, AMEX True Cashback (both have no min spending), or UOB One (min $500) are one of the better in the markets now. if you are looking at low to no requirements.