Would you consider SCB Spree cards efficient for utility payments?

In terms of Utility payment, it is best to look for each retailer's website offer with the banks, so that you aim for the best deal as they have partnership that may offer better deals however if the retailers of your choice has no other deal, SCB Spree has no exclusion, so you can use it for anything inclusive of phone/internet bills and still get the 1.5% cashback.

The Spree Credit Cardholders Digital Online Shopping Protection ensures that in the event that a Spree Credit Cardholder buys goods online for personal use that turns out to be a “Non-delivery of the goods” or “Non-compliant goods”, insurance cover of up to S$1,000 during the Period of Insurance is provided, subject to the Allianz Cyber Insurance Master Policy and Conditions. As for Online Price Guarantee, If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the SCB Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, Allianz will reimburse the price difference up to S$1,000 per Covered Item, subject to the Allianz Cyber Insurance Master Policy and Conditions.

There are a lot of cheap plans but the best that provides what you are looking for are StarHubGiga and M1 which offers, 1,000 SMS, 1,000 min of calls and 25-30GB of data for only S$25.but if you're looking for something cheaper but still somewhat decent, you could try Zero1 though you will encounter speed reduction after 1GB of mobile data use.

You need not worry about using your credit cards when buying your medical supplements here in Singapore. There are big pharmacies that accepts credit card transactions .You can just go directly to the local pharmacy, show your medical perscription i your medication needs one and just ask them to swipe your credit card and then you're good to go.

Singapore is known to be one of the safest countries in the world. Age restrictions are part of Singapore's safety measure so the answer to your question is "Yes" there are age restrictions in getting a landline in Singapore. You need to be at least 17 if you are a Singaporean Citizen and you need to be at least 21 if you're not a citizen.

At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.

Mate I don’t think you need not worry about how it will benefit you just as long as that trading business of yours is still working but I don’t think It would be still ideal to keep holding onto it since it doesn't have its benefits, you will mainly have to liquidate your business if you choose to give up on that business, Cheers!