Given there’s at least two cards offering 1.5% generally, and given vaccine hesitancy https://www.flyertalk.com/forum/33314649-post20.html , the new card has to be offering the equivalent of 2% in miles (or $3/am) for me (https://www.flyertalk.com/forum/33137201-post5.html and https://www.flyertalk.com/forum/33137201-post18.html) for me to use generally.

I’m getting 4.4-5.5% on various BoC mobile pay ongoing earn rates and promotions (getting to the extent I get aggressive with restaurants to take mobile pay if they have them*), 4% on online, 4% playing spending offers from bank to bank, 2.28% on non-mobile dining. My HSBC 6x is on overseas so I earn 5.6% there.

Maybe the card has some worthwhile perks or some killer welcome offer.

*case in point - when it was time to pay up tonight at En TST I asked the junior waitress whether they have “Paywave”, making the tapping motion with my iPhone Apple Pay. The answer was no. As my wife was reaching for her SCB Simply Cash and the waitress walked away, I heard the card terminal go off (the dot-matrix variety) and I decided to check out terminal out - I barely held myself from a meltdown when I saw the terminal had mobile reader. I am not sure the waitress saw me for sure or not but as she was walking my way I made a big show of throwing my wife’s produced SCB Simply Cash into my wife’s lap and telling her to tell the waitress to meet me at her cashier station. When she understood what I was insisting on she fetched her manager who ran the mobile pay transaction - the manager explaining they did not realise the mobile reader can be used to read from Apple Pay as well.