Min spend tiers matter more than headline rates. Know yours before you apply.
Missing the monthly minimum wipes bonus cashback for the whole period. Consolidate bills on one card if you chase tiers.
UOB One
Tiered cashback with min spend. Best if you can hit thresholds with salary + utilities on one card.
OCBC 365
Category bonuses (dining, groceries). Wins if those are already your biggest spends.
Each apply hits your credit file. Choose the card that fits your spend pattern, not the highest headline %.
See side-by-side net cashback on your spend profile.
Compare