Having cashback is always better than having to go through the process of redeeming for rewards and nothing beats cash on hand. I will use my BOC family card more for entertainment expenses (You could use this for groceries too) and SMRT Citi Card for grocery shopping (Redmart, NTUC Online and etc). On a side track, I find Redmart and NTUC Online pretty good. For Sheng Shiong (Coverage is limited) and Giant Online (Prices are not competitive), they still have some catching up to do.
My first choice for cashback card will be BOC Family Card followed by SMRT Citi Card if there is a chance you will exceed the monthly cash rebate of 100 dollars.
Since we are at credit cards, UOB One card would be good for those who want to earn decent interest for your savings. It is tagged to the UOB One Account whereby a monthly spend of 500 dollars will allow you to have a higher interest for up to 50k of your savings. However, you will need to clock 5 transactions in a month for the 500 dollars in order to get the 50 dollars cash rebate per quarter for the UOB One Card. You can find out more from the link below.
Here are some of the features of BOC Family Card and SMRT Cit Card:
BOC Family Card
The card that completes your family’s need!
1. Cash Rebates
Enjoy cash rebate of up to S$1,440 a year!
2. First year annual fee waiver
Enjoy first year annual fee waiver worth S$150 p.a. for principal card and S$75 p.a. for supplementary card