Just opened DBS on EP setup check and next steps?

Hello I am 29, new EP holder, just opened a DBS Multiplier. They set up for me two deposit accounts: the DBS Multiplier Account and My Account. My salary will be credited to the Multiplier every month (first one hasn't landed yet). Bank & Earn currently shows 0.05% and Level 0 of 3. For cards, the branch gave me a DBS Multi-Currency Visa Debit, and I've also ordered the new TravelLah! Debit Card from PayLah! My goal is get as much as possible rate (guess 1.8% maybe) on my multiplier, how to get this with this set-up? Also: 1. Is this set up correctly, how and when should I use these accounts and cards to get the most out of them? Any tips? 2. Should I get a credit card? Do I need to wait a few months as an EP holder, and which one is the best? The DBS Chromo worth it? 3. Also, best way to move SGD to IBKR and Wise monthly? Convert in IBKR or Wise? 4. Is the Multiplier the best place for my emergency fund, or should some go into fixed deposits or other investments? Thanks!