Have been using it for a year, only find it useful for individuals who only have this credit card or high monthly expenditure. In order to enjoy discount at fairprice, one requires to spend $500 outside of fairprice. Therefore, if you need to clock other spending on other credit card, this credit card may not come in handy.
If you are looking to collect LinkPoints, might as well just apply a plus card (not credit card) with no annual fee. Which application charges can be waived off if you apply through mobile app)