Best use of credit cards between: UOB One, Standard Chartered Simply Cash, Standard Chartered SMART, Standard Chartered Journey Card, AMEX True Cashback, UOB AMEX Absolute Cashback

What am I doing wrong? What can I be doing better?

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I use the UOB One card for daily transactions - because it's my main bank and it adds to my Savings interest rate.

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I try to use the UOB Absolute Cashback where Amex is accepted, otherwise, the Standard Chartered Simply Cash card.

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I have no use for the Journey card, need to find a best in class product for Travel rewards.

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Amex True Cashback - is useless to me right now

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The SMART credit card to split up large transactions to manageable interest free ones.

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