Chalking up $500 a month for your Frank card gives you the best benefits that I know so far. It gives you $43.75 from OCBC 360 and 6% rebate for your train, nets flaspay and online purchase fee. The trick to hit the target and not overspend, is to charge your monthly necessities like SP services and Teleco bills to your credit card instead of using GIRO. You can go down to a SP service counter(tripleone somerset has one) and pay your monthly electric/water bill using your credit card. You do not need to cancel your GIRO as it will detect your credit card payment and not bill you again if you have already paid for the month. For your teleco bill, pay via vBox as it will be counted as an online credit card payment which enables the 6% rebate. So assuming $200 for sp service bill, $50 ......