This is the cash back card i will recommend to others.
ATU NETS FlashPay for up to 4 times per month earns you 5%. So every $50 top up earns you $2.5 but only pay 50 cents service fee. You can use this on public transportation, make payments where credit card is not accepted, only NETS (like People Park Complex). The usual Ezlink Top Up doesn't earn you anything.
Besides, telco bill, hospital bill also earn 5% which is not very common to other credit card.
You can also use this card to pay income tax/property tax, insurance premium, seasoned parking, condo maintenance fee etc via CardUp earns you 5% cash back. There is no other credit card that can offer the same (as far as i know lar). However, you need to pay 2.6% service fee to CardUp. This transaction will be categorised under online transaction which cap at $600 spent per month.
Grocery shopping at 5% is just normal cashback you can get from most credit card.
Therefore, if you consolidate these expenses into one card, it is easy to achieve $700 min spent per month. The cashback is cap at $100.