Grabpay will be nerfed this month, so need to further optimize my credit card strategy. To get the most rebate from my utilities and recurring bills, I will use UOB One credit card. 3.33% cash rebate given every quarter with min spend of $500. This works well for me because it gives an additional 1% cashback for SP service(4.33%) and additional 6.67% for simplygo Mrt/bus rides(10%). You need to clock in 5 transactions per month, so what I do is to set recurring payment for my Senoko, Gomo, Sp Service and Singtel wifi, then tap at least once for MRT ride. If I don't take any MRT ride in that month I can top up $1 to Singtel bill to hit the min 5x transaction. UOB One should be the highest cash rebate card for utilities right now. For miscellaneous spending don't use Amex TCB(1.5%) or UOB absolute(1.7%) or Stanchart Spree(2%),...