If you have been a frequent reader of this blog, you would have realised that Heartland Boy clearly falls into the cash back camp. For the uninitiated, cash back programmes are typically reward programmes whereby a small percentage of the amount spent will be paid back to the user. Therefore, Heartland Boy believes that cash back credit cards are an effective way of minimising his daily expenses. Entering a brand new year, Heartland Boy intends to spell out his ultimate cash back credit card strategy for 2018. This serves as a guide for himself and more importantly, for Heartland Girl. Time and again, she never fails to get terribly confused about the purpose of the various credit cards lying inside her wallet. In addition, SingSaver is running a promotion whereby new users who successfully sign up for the Standard Chartered Unlimited Cash Back credit card receives $238! Yes, this limited-time …