It has been a while since my last post on my credit cards portfolio. With changes to Bank of China credit card policy, they increased their minimum spend to $700 and there are now categories cap which makes it similar to Citibank Cashback credit card. It is a chore to keep track and basically, a strategy to prevent people from getting the maximum rebates.

After my research, these are the current credit cards that I am using at this moment to replace my earlier selections.

I have selected the UOB Yolo Card, UOB One Card, SMRT Citibank Card and Standard Chartered Unlimited Card for my needs.

UOB YOLO

I liked the Yolo card because it does not have any categories cap and it is a good dining and entertainment card. They have a cap of 60 dollars per month though and you need to meet minimum spending of  $600 per month.

UOB …