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.

Update: After a comment by a reader, I took a look at the CIMB CashBack credit card which offers a 10 per cent rebate with a maximum rebate of $100 per month. There is a $50 cap per category. Minimum spend is $600. I am seriously considering...