3 GIRO Transactions: 1. Monthly payments for the UOB ONE card itself (yes, GIRO payments from the ONE account for the ONE card counts as a valid GIRO transaction). You can apply for this via the UOB online banking website; the mobile app does not have this option. 2. Tax payments to IRAS . This assumes that you have some form of tax to pay (individual income tax, property tax, etc.) and that you pay it via GIRO on a monthly basis. 3. Insurance premiums . Most insurance premiums that require monthly payments have a GIRO option. 4. Utilities & telco bills . I do not recommend that you pay these bills via GIRO because you can usually pay them via credit card instead (and have them count towards the monthly $500 credit card spend). But, they are an option. $500 credit card spend, a minimum of 5 transactions: 1. Grab Pay top-ups . UOB will almost certainly exclude Grab Pay top-ups at some point in the near future, but as of now, Grab Pay top-ups are still included. 2. Monthly subscriptions - Netflix, Spotify, gym memberships, etc. 3. Utilities & telco bills . In particular, some providers allow you to "overpay" or pay for your bills in advance. This is useful for evening out your spend across different months. 4. Grocery or shopping vouchers , such as Takashimaya vouchers (no expiry dates), NTUC vouchers, etc.

In order to receive the 5% cashback from UOB One credit card, you will need to spend $2,000 monthly for a consecutive billing quarter, alongside with meeting its other eligibiltiy conditions, e.g. eligible spending. With this in mind, it depends on whether your billing cycle starts in January. Next, there is no restriction on when you wish to spend your credits. All things considered, you may wish to consider topping up or to spend money that you can afford and need to, rather than to overspend for the mere sake of the rebate. Here is everything about me and what I do best.

In order to maximise the interest earned from your UOB One account, you will need to meet the eligible spend from the UOB One card on each calendar month. Eligible Spend: Minimum $500 on the card every month. Furthermore, in order to maximise the cash rebate from the UOB One credit card, you will need to spend $500 or $1,000 monthly for a consecutive billing quarter to receive 3% cashback. If you spend $2,000 monthly for a consecutive billing quarter, you will receive 5% cashback. This cashback from the credit card is on top of the interest earned from the UOB One account. For your case, GIRO payment does not count towards the $500 spend. Instead, the $500 spending must come from the UOB One credit card. For your second question, yes, instead of using the credit card facility, you may use UOB One debit card as it is an eligible card to be used in conjunction with UOB One account. Accordingly, you will still receive the additional interest on your UOB One account if the conditions are met. Having mentioned the above points, I will suggest you to understand your cashflow first. Through this process, we will understand our earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-personal-cash-flow/ This process is especially important as a student where you will want to keep expenses low. As a result, you may wish to evaluate if spending $500 every month is sustainable for you. Otherwise, you may wish to consider other alternatives. Here is everything about me and what I do best.

Looking at the $1,000 tier, you will need to spend $1,000 in January, of which your bill will be $850. In detail, Spending = $1,000 Cash Rebate = $150 Bill Amount for January = $850 Here is everything about me and what I do best.

Uob one account is the best so far in the market pair it with uob one credit card and you have a winning combination

If you are 26 and below you can consider SCB Jumpstart. If not you can consider: - OCBC 360 (but you will need to spend at least $500 on ocbc cards to make it worth) - CIMB Fastsaver - fuss free account but the interest rate is lower

CitiPremier miles is a good general card as the miles don't expire. However for me, I am using OCBC 90N, also miles don't expire and you can change in blocks of 1,000 miles. Only downside is that it's only for Krisflyer miles and no lounge benefits. If you have an UOB One account, you should have at least 1 UOB CC also (miles/cashback it's up to you). Reason being is that if you can meet min. $500 spend per month, you would be able to hit your UOB One account criteria (Assuming you have 3 GIRO or salary credit to it). Also, UOB One has a tie up with Grab, where you can get up to 10% rebate on it. This is insane. I only just got to know of how good a deal it was! On your last point to be loyal to one bank, no not really, you should select the credit card which suits you!

UPDATE: Amex Krisflyer is still giving rewards for GrabPay now, just that capped at $200 per month. 1) HSBC Advance does not seem to have GrabPay rewards. I didn't get it earlier. But i may be wrong. I see another answer here that HSBC advance do get the rewards :D 2) If the hotel can process GPMC, yes you can use the UOB One - GrabPay - GPMC - hotel. No issue with the rewards ;) have a great and memorable wedding!

So far no expiry! But I don't see this being in the long term. I usually only top up Grab with I need to use it, that way I make sure I don't have excess funds locked inside.

Maxigain is tagged to another component which is the 1mth sibor. Unless it is poised to goes up, if not ocbc is offering $50 for every $5k deposit and will need to lock in for 7 months.