I try and maximize the mpd for any purchase I make, so usually use specialized cards to get 4-6mpd, such as:

- UOB Preferred Platinum for all Apple pay transactions (upto $1,110 / month)
- UOB Visa Signature for all Apple pay transactions (min. $1k, max $2k per statement month)
- UOB Lady's Solitaire for 2 spend categories of my choosing (max $2k/month). I've parked $10k in a UOB Lady's savings account for an additional 2mpd = total of 6mpd
- Amaze + Citi rewards Mastercard for converting all non-travel offline spend into online spend (upto $1k/statement month)
- Citi rewards Visa (no longer open to applications - max $1k/statement month) and/or DBS Woman's World Mastercard for any online transaction such as Grab, foodpanda, Lazada, etc. (max $1.5k/month)