I am a strong supporter of the Standchart XtraSaver account. I have been using it for years. - It gives cashback for NETs purchases - It gives the cashback in the form of cash every single month with no minimum spend requirement - It gives a high cashback on MasterCard rebate of 2% (if no petrol purchases and $6k average account balance) - First cheque book free - No yearly fee - No income requirement 1. I do not know of any other card that has rewards/cash for NETs purchases. 2. No complicated reward points system and pages upon pages of t&c-s. 3. Some other cards may give 3% or higher but too many complicated requirements to fulfill. 4. I do not use a lot of cheques so I am fine, some banks charge $2 every month just to open cheques. 5. An annual fee seems to be newly introduced, ......