With the recent take over of ANZ Singapore by DBS Bank, it means I have to restructure my credit cards portfolio. After thorough research and comparison, I decided to go with Bank of China Family Card and SMRT Citi Card for their cashback feature.

Having cashback is always better than having to go through the process of redeeming for rewards and nothing beats cash on hand. I will use my BOC family card more for  entertainment expenses (You could use this for groceries too) and SMRT Citi Card for grocery shopping (Redmart, NTUC Online and etc). On a side track, I find Redmart and NTUC Online pretty good. For Sheng Shiong (Coverage is limited) and Giant Online (Prices are not competitive), they still have some catching up to do.

My first choice for cashback card will be BOC Family Card followed by SMRT Citi Card if there is a chance …