Hi! I have an upcoming $3-5k purchase to make for a furniture (could be buying from courts/takashimaya or online). May I know if there’s any credit cards recommendation for Cashback or Miles? Thanks!

Use whatcard.sg

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https://www.whatcard.sg/?amount=5.0&q=courts

https://www.whatcard.sg/?amount=5.0&q=takashimaya

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You can use whatcard to check the best cards to use.

That said, signing up a new card (or 1 new card) helps for large purchases - cashbacks/gifts. Using existing cards always almost get lesser benefits for large purchases.

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Good to also check tie up of credit card types w merchants:

https://www.takashimayasc.com.sg/happenings/chr....

For cashback, your next best choice is probably UOB absolute - replica of Amex true cashback, but with 1.7% cashback instead of 1.5%. Arguably not much difference, but that's for you to decide.

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For miles, it depends whether you can split your payment into multiple purchases. Reason is that the most efficient miles cards earn 4 mpd, but usually capped at $1k/month. So if you pay it as a single transaction, you will lose out. Best is if you can split it into monthly payments of $1k each, then you can max out for a few months.

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Alternatively, you can use OCBC titanium - it has an annual $12k cap instead of monthly $1k cap.