Credit Cards/Payments Strategy

The miles vs cash back debate is interesting and never-ending.

There is no one formula that fits everyone 😁

You will have to assess and evaluate for yourself what works best for you.

Sometimes, special promotions/deals come up and they are too good to resist. Follow the relevant influencers to keep up-to-date.

Technically speaking, I should be chasing miles as many influencers would note with my big family of 3 kids.

But I do not combine spent with spouse, etc and I live like really simple 😂. Of course, we should still spend on the kids 😘.

I choose miles over cashback. Because it's actually more fun managing them 😋. With installment payments/BNPL/etc, it serves big items and holidays expenses well.


No
Payment Type
Payment Mode
Card Tag
Rewards
1
Groceries
Mobile Contactless
UOB Preferred Platinum
2
Transportation
Mobile Contactless
UOB Lady
3
Dining
Online
Citi Rewards
4
Online Purchases
Online
Citi Rewards

5
Utilities
Education
Taxes
Insurance

Online
Chocolate Finance
6
Medical
Telco
Broadband

Online
Chocolate Finance
Citi Rewards


7
FavePay
Shopee
7-Eleven

In-App
Citi Rewards
UOB Preferred Platinum


8
Small Amount Payments < $5
In-App
Mobile Contactless

DBS PayLah
MariBank

9
Foreign Currencies 
Mobile Contactless
Online

Amaze + Citi Rewards
YouTrip
Trust Card

10
Hotel Flights & Airlines
Online
UOB Prvi Miles
UOB Lady

11
Buy Now Pay Later
Atome
Atome
Shopback PayLater

Used as installments to clock miles
12
Online Purchases
HeyMax
Giftano
Mooments
Wogi

Gift Cards
Used to clock miles

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