HSBC Revolution + DBS yuu + Citi Rewards

hello, I just started working as a fresh graduate a few months ago and wanted to check with the gurus in the community if this credit card strategy makes sense for me? My biggest expenditure categories are public transport, online shopping (video, board games, buying from Japan Auction sites using Buyee, FromJapan, Ebay etc), food court and occasional dinner dates with my partner. Hence, I was thinking of getting the HSBC Revolution + DBS yuu + Citi Rewards and was wondering if it would be wise for me? Public Transport: DBS yuu (approx 120 sgd, ill also make sure to hit 2 more yuu merchants) Groceries: DBS yuu (I'll actually be giving my mum this card to settle the household groceries) Dining: HSBC for Contactless Food Court: Prob cant earn on this Online Shopping: Citi Rewards first (then HSBC, but unlikely to max it out in most mths) Flights/Hotel: HSBC/Citi Rewards Overseas: Citi Rewards + Instarem Does this seem like a good idea? I'll also have insurance premiums, utilities, telco bills, but I understand those are usually excluded either ways. Thank you for any advice and for reading my post

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u/cassowary-18 1 3 days ago

Public Transport: DBS yuu (approx 120 sgd, ill also make sure to hit 2 more yuu merchants)

Groceries: DBS yuu (I'll actually be giving my mum this card to settle the household groceries)
Can you hit 800 SGD on this?
Dining: HSBC for Contactless

Food Court: Prob cant earn on this

Online Shopping: Citi Rewards first (then HSBC, but unlikely to max it out in most mths)
Why not HSBC Revolution (contactless) on Food Court too? It's an included MCC.
Flights/Hotel: HSBC/Citi Rewards
Excluded category for Citi Rewards. Use HSBC instead.
Overseas: Citi Rewards + Instarem
This is a good idea
u/Xazhariel OP 1 3 days ago

1. Yup, I will be giving my mum to use the DBS yuu card, so she will just have to hit 700 a mth as Ill hit 100 in SimplyGo for her. 2. Ohh I didn't know Food Court is included for HSBC, my research was insufficient, thank youuu 3. I thought Citi Rewards will work for online, or is it because flights are in the general exclusion category for Citibank? Thank you!
u/cassowary-18 1 3 days ago

3. You need to read the T&Cs for Citi Rewards again, travel spend only earns 1X points (0.4 mpd) even if it's online spend. That's why you should prioritize your HSBC Revolution for that.