If you’re in Singapore or in Malaysia, apply for the credit card now from Maybank. It’s the only bank in there offering 8% cash back on the $1000 expense and 5% on $500. This card can help reducing your expenses on regular supplies such as groceries, transport, etc. Use the credit card Singapore for the cash back offers they ensure.
In fact, you’ll keep earning the points on every dollar you spend on certain credit cards, especially the air miles credit cards. The points will get redeemed on the future purchases. 3 year waiver fee is also complimentary with the majority cards by Maybank.