One Card to Rule Them All… Or: “Better Credit Cards for Lazy People”

Are you using a 1.5% cashback card or a 1.2 mpd one because you are just too lazy to bother with all the complicated conditions high earn cards, and somehow can’t find space in your wallet for more than one card? I get it – trying to meet all the silly requirements and using multiple credit cards can be such a chore, but here are some cards that are low on fuss and higher on the rewards.

Top Pick: Amex True Cashback with Grab MasterCard

There are very little options that give you a relatively high earn rate with this little fuss. Simple use your Amex True Cashback Card for 3% cashback on its first $5,000 spend and top up your Grab wallet. You can then use your Grab card for practically anything that accepts credit cards, and then get a further 4 points per dollar (roughly equivalent to 0.8% rebate). This is the most fuss-free “spend anywhere card” I can think of, and perfect for people who just don’t want the trouble of meeting spending requirements.

Earn rate: ★ ★ ★ ★ ☆
Fuss-free: ★ ★ ★ ★ ★

True Cashback

 New to Amex


  • S$80 CapitaVouchers^
  • 3% cashback on first $5,000 of spend

*min spend of S$250 required within 30 days of card approval


Limited offer: 2.81% p.a. with NTUC Income Gro Capita Ease; Use of SRS allowed

Pretty decent cashback: OCBC FRANK or DBS LiveFresh

Twins separated at birth, OCBC FRANK and DBS LiveFresh offer pretty similar rewards and identical requirements. If you spend a minimum of $600 within a calendar month, you get 6% (for FRANK) or 5% (for LiveFresh). There is a secondary requirement of having to split your spending between contactless and online transactions in order to get the optimal rates of 6% or 5%.

Keeping track of a minimum spend is a little bit of a fuss, and having to split them between two categories exacerbates the hassle, but even if you spend in a non-optimal manner, say clocking all $600 of spend on contactless payments (which is accepted nearly everywhere that accepts credit cards), you still get a respectable 4.17% rate on FRANK, and 3.33% rate on LiveFresh. That’s still much better than a 1.5% card; just take note to switch cards once you have reached the minimum spending and maximum cashback of these cards.

Maxing the cashback on FRANK then moving to LiveFresh is easy enough to overlook that this is technically a two-card thing.

Earn rate: ★ ★ ★ ★ ☆
Fuss-free: ★ ★ ★ ★ ☆


New cardholders
First 300 gets S$50 cashback

Existing cardholders
First 300 gets S$30 cashback

Until 30th April 2022. See terms and conditions


  • 5% cashback

New to bank
Click Apply to see the bank’s latest promo.

4 mpd nearly everywhere: HSBC Revolution or UOB Preferred Platinum Visa

If you’re a miles person and using a card that gives you 1.2 or 1.4 mpd, it’s time to change to something way better like HSBC Revolution or UOB Preferred Platinum Visa, and both are barely more troublesome to use than your existing card.

All you need to do is to spend on contactless transactions, something that is available almost anywhere that accepts credit cards now, or online payments. There aren’t minimum spending to worry about, although the maximum spend you should put on it is $1,000 per month for Revolution and $1,111 per statement for UOB PPV, after which they give a paltry 0.4 mpd.

The only fuss you need to worry about is that you need to make sure the place you are spending at is within one of HSBC’s eligible categories. It’s a rather wide range and nearly a “spend anywhere” card, but I’m sure there are odd situations where the shop’s MCC falls outside of the approved ones:

UOB PPV shares a similar situation with its online spending, and you have to be a little careful whether your online transaction falls into eligible MCCs. For offline contactless, it is also a nearly “spend anywhere” card, but I have absentmindedly used it at certain places which gives UOB’s SMART$ (basically cashback) instead of the miles I was gunning for.

Earn rate: ★ ★ ★ ★ ☆
Fuss-free: ★ ★ ★ ★ ☆


New to bank
S$200 cashback*^

Existing customers
S$30* + S$30^ = $60 cashback

*Sign up using SingPass MyInfo
^Minimum spend of $500 before end of following month from application
Valid until 31st July 2022

Everyday cards: Maybank Family and Friends or Citi Cash Back

If you can fit these cards into your lifestyle, and it’s probably not all that difficult, you can consider the Maybank Family and Friends or Citi Cash Back cards.

You have to do a little overview of your monthly expenditure: if you can spend $800 a month between dining out, petrol, and groceries, the Citi Cash Back will fit very nicely as your one card giving as high as 6 to 8% cashback.

Maybank FnF’s categories are a little different, and it’s catered more for people with high monthly telco bills.

Both these cards aren’t as fuss free as the others, but their earn rates are the highest you can find now.

Earn rate: ★ ★ ★ ★ ★
Fuss-free: ★ ★ ★ ☆ ☆

Citi Cash Back

🔥 👍🏼

New to bank*

  1. Dyson V8 Slim™ Fluffy
  2. Sony WH-1000XM5
  3. Samsonite Straren Spinner 67/24
  4. S$400 Cash

Existing customers
$30 via PayNow, no min spend required

Until 15th August 2022
*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 8% cashback on groceries and petrol, as well as 6% on dining! Read the review here

Family and Friends

🔥 👍🏼

New customers
Singsaver promo
Receive S$80 Cash via PayNow upon card approval

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Both promos stack if applied through this site.

Until 2nd September 2022

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application
  3. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 8% cashback on selected categories like groceries, telco, and more!

Consistent spending: UOB ONE Card

I suppose there is a reason why it’s named the way it is, and I imagine the UOB ONE card is the card of choice for many single card wielding people. You don’t really need to care where and what you spend on, as long as you meet $500, $1,000, or $2,000 of spend per month consecutively for a quarter.

The earn rate for the $500 and $1,000 tiers is 3.33%, while meeting $2,000 a month is a respectable 5%. People who spend $2,000 a month would no doubt find this their One Card to Rule Them All, but I personally find having to clock a consistent spending every month quite difficult.

Earn rate: ★ ★ ★ ★ ☆ 3.33% / ★ ★ ★ ★ ★ 5%
Fuss-free: ★ ★ ★ ☆ ☆



New to bank

Gift A: S$150 cash credit for signing up card

Gift B: S$80 for customers new to UOB bank; or
S$60 for customers new to UOB deposit accounts; or S$30 for existing UOB deposit customers

Gift C: S$50

Total: Gifts A + B + C = up to S$280!

Terms and Conditions

Gift A: successfully apply for a UOB personal credit card in the month of July 2022 and spend a min. of S$1,500 within 30 days from card approval date on their new UOB credit card. Card exclusions apply. Tap here for full terms and conditions.

Gift B:

  1. Successfully open a new Eligible UOB Account online from 1 May 2022 to 31 July 2022, and
  2. Deposit at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.
  3. S$5,000 must be fresh funds for existing customers
  4. Tap here for full terms and conditions

Gift C:

  1. successfully submitted an online participation form here; and
  2. successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account+ via GIRO within two calendar months from the date of submission of the participation formd

Get 3.33% base cashback if you spend $500, $1,000, or $2,000 a month for three consecutive months. Up to 6.67% additional cashback for Grab, Shopee, and Diary Farm merchants.

Do you have a single card that you rely on?

Let me know in the comments or Telegram group!

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