UOB One's general rebate is really hard to fully take advantage of - for the headline "up to 5% on everything" - the key part is UP TO you need to get exactly $2k per month for 3 months to get the 5%. Any less and you get lower tiers (3.3% or worse), even any higher you won't get more cashback so starts to effectively be lower than 5%. Given your spend amount - you could qualify for lowest tier and if you are confident that you could put through $500 per month consistently then maybe worth considering otherwise I would give it a pass.

I use Youtrip card to make up my UOB 500 Minimum expense to get the bonus interest. https://www.you.co/en-SG/ It is also my foreign currencies wallet when I go overseas.

Depends on your spending needs. Spree card has better cashback benefits for online and foreign transactions. It also has cashback cap but no minimum spend required. Unlimited cashback is a flat cashback % for all spends but has no cashback cap and no minimum spend required too. So, if you spend alot online maybe consisder spree card. If you spend alot offline, maybe get the unlimited. https://www.sc.com/sg/credit-cards/spree-credit-card/ https://www.sc.com/sg/credit-cards/unlimited-cashback-credit-card/

Only spend on DBS/POSB credit Card is counted for the DBS multiplier. You can just spend any amount on the DBS/POSB credit card (no min spend) to fulfil that criteria.

I think the best generic ones are stanchart unlimited card and amex true cashback card at 1.5% rebate on all spend, with no minimum. I personally have the stanchart unlimited card and will be getting the amex true cashback the moment i have a s$5k expense (because you get 3% for the first s$5k spent in the first few months. To maximize your rewards, to some general googling because these 2 cards have quite a big of sign-on bonus (i.e. pick your poison, either singsaver, friends referral, etc). If you want to see which merchants give you additional cashback (above and beyond these 2 great general spending cashback cards), check out www.whatcard.sg before your specific purchase, or as general research to which card to get that suits your specific consumption habits

In terms of Utility payment, best is to look for each retailer's website offer with the banks, so that you aim for the best deal as they have partnership that offer better deals than SCB Unlimited. If the retailers of your choice has no other deal, SCB Unlimited has no exclusion, so you can use it for anything (including phone/internet bill) and get the 1.5% cashback. However, if phone / internet bill provider has any deals with the bank (eg. m1 with citibank), those would have offer better deals that charge to SCB unlimited. Cheers

Depends. You can look into BOC Family card. 10% on Dining, 5% on online shopping. However minimum spend is $700 so you will be putting everything onto your card expense.

You will need to check directly with the bank. However, most merchants seldom accept now. So you are right, most premiums are excluded for rebates. But what I do know is they do accept the amount fir minimum spending.