Review of my Credit Card Savings

Hi everyone, here is an update on how I use my credit cards to save money. Here it is.

From Citibank CashBack Card (Dividend Card)

Groceries - $6000 yearly purchase => $300 rebate ($25 x 12 months)
Esso Petrol - $2400 purchase => $192 rebate (8% Cash rebate)
Singtel - $2400 purchase => $6 rebate (0.25% Cash rebate, more to topup the $888 minimum)
Weekend Dining - $1200 purchase => $96 rebate (8% Cash rebate)

From Singpost Standard Chartered Card 

Insurances - $1400 yearly purchase => $88 rebate (7% Cash rebate)
Online Purchase - $2000 purchase => $140 rebate (7% Cash rebate)
Travel (Online) Purchase - $3000 purchase => $210 rebate (7% Cash rebate)

From DBS Visa Debit Card (Paywave or Samsung Pay)
Provided that you don't make 3 withdrawal from ATM every month

Department Store - $1200 yearly purchase => $60 rebate (5% Cash rebate)
Other Purchase - $2400 purchase => $120 rebate (5% Cash rebate)


From POSB Everyday Card 

SP Services - $1400 yearly purchase => $14 rebate (1% Cash rebate)

Total Savings = $1646 per year

CIMB Credit Cards : Visa Signature

CIMB Credit Cards : Visa Signature



CIMB Visa Signature is offering 3.8% Cash Rebate on Dining, online purchases etc. I think it is a good card to start especially when you are starting to work (without families to feed, no car to finance etc.)

Drawback is that it needs a minimum of $500 spend which I don't really like. (I don't like minimum spend)


Hmmm... Maybe I should have a singles profile to cater to their needs. But need to understand more.