Hi Anon, Firstly, I'm gonna assume that you shop at Sheng Siong quite abit, hence you're considering applying for this card. Here are the perks of the BOC Sheng Siong Card: - 7% cash back on Sheng Siong spending with no minimum spending, capped at $70 a month. - Minimum spending requirement of $400 a month outside of Sheng Siong, to get an additional 5% cash back, capped at $20 a month. - $30 Annual Fee, waived for the first year - 5% rebate on Grab, Uber and taxi rides with $400 retail spending a month (capped at $20 per month) - 1% cash rebate on overseas spending, with no minimum spending requirement and no cap on cash rebates earned - Base cashback rate of 0.3% on all other purchases If you're a regular at Sheng Shiong, this is the card to go for to maximise your cashback returns! The possible 12% that you can get is definitely the most generous out there, especially since getting the extra 5% definitely isn't hard- with it requiring only a $400 minimum spend. The decent rates outside of Sheng Siong make it a pretty decent card overall, but I cannot stress enough how you really should only be considering this card if you regularly shop at Sheng Siong. If not, you may want to consider other cards that are more diversified in their cashback- i.e the Citi Cash Back Card, which boasts an 8% cashback for groceries (capped at $25). Hope this helps!