Do I have to credit my POSB Everyday card to my Multiplier to fulfil its credit card component?

This card is perfect for my everyday use, starting from the 15% cash rebates on dining, bus and MRT rides, the 5% cash rebates when I decide to shop at Sheng Siong and 3% cash rebates at Watsons. It is a good card to have overall and actually one of the best cashback credit cards for cash rebates at Sheng Siong, Watsons and SPC petrol kiosks.

The POSB Everyday Card is a great option for moms and families who spend across a variety of categories. While rates may differ with different promotional offerings, cardholders are frequently rewarded with high rates for spend in essential categories. For example, consumers typically earn rebates of up to 15% on dining, groceries, transport, personal care and utilities, plus up to 20% in fuel savings. Even with its annual fee of S$192.6 waived the first year, average spenders can quickly recoup the cost while earning additional rewards for daily spend.

POSB Everyday Card offers families and average spenders a convenient way to earn cashback for diversified spend. Consumers earn rebates on dining, groceries, petrol, health and wellness, transport, and even recurring bills which are often excluded from cashback rates. Although some rates apply only to specific merchants, they are mostly big brands offering up to 20.1% petrol savings with SPC, 15% rebate with Parking.sg, 5% with Gojek, Ryde, & Comfort del Gro, 5% at Sheng Siong, and 3% on wellness products at Watsons. Consumers also earn 1% cash rebate on recurring bills with select merchants, but earnings are capped at just S$1 per month, which is quite low.

POSB Everyday Card does offer promotional rebates that are not merchant specific were cardholders earn up to 15% cashback on online food delivery and public transport bus and MRT rides, as well as 5% at restaurants, cafes, and other dining outlets. One drawback is that these promotional rates are contingent on reaching a Personalised Spend Goal, which DBS assigns on a person-to-person basis according to average spending patterns. If a cardholder fails to meet this minimum, they will only be rewarded with a base rebate of 0.3%.

While POSB Everyday Card is very versatile, category rewards rates may still be lower than some competitors. For instance some offer 10% cashback on dining, transport, medical spend and more, and OCBC 365 Card offers 3% cashback on recurring telco and electricity bills. Nonetheless, POSB Everyday Card often offers promotional rates in key categories like dining and transport that boost the card's value significantly. Overall, POSB Everyday Card proves an exceptional fit for those with a high volume of spend on daily essentials. While the annual fee of S$192.6 is waived for only the first year, the broad range of cashback opportunities allow average consumers to quickly recoup this cost while continuing to earn rewards.

The POSB Everyday Card probably owes its reputation to its key bonus rebates for Sheng Siong and Watsons, where you can earn 5% and 3% cashback respectively. For the former, cashback is capped at $50, which means you can spend up to $1,000 per month. In my opinion the best cashback for the POSB Everyday Card is for petrol at SPC 6% bonus cashback and a direct 15% discount when you use it with an SPC&U card.

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.

OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.