My 10 credit cards and which to say goodbye to 😢

I know I've loads of credit cards. But it scares me a little to know that I've a total of 10 cards after tabulating the below. Guess it's timely to do a review of the cards I have so I know which to use and which to say byebye to!

Here's the summary of my 10 credit cards and which to say goodbye to:

To keep

1. SC Manhattan - to keep for big ticket items (note: card is no longer available for application)

2. SC Unlimited cashback - no min. spend to keep for 1.5% cashback on all spends

3. SC Spree - to use for contactless spends (2%); no min spend, max spend $3000

No minimum spend and up to $60 rebate. Earn 2% cashback on all online spends in local currency, all contactless and mobile payments. Earn 1% cashback on all other retail spends.

4. BOC Sheng Siong - to use for Sheng Siong spends (no min spend, 7% rebate, max spend: $700)

Cash Rebate	Spend Category	Condition
7%	Sheng Siong Spend	• No minimum spend • Cash rebate capped at  S$70 per billing cycle
Additional 5%	Sheng Siong Spend	• Accumulate a total out-store spend of S$400 within the same billing cycle to enjoy additional 5% on Sheng Siong transactions • Cash rebate capped at  S$20 per billing cycle
5%*	Transport Grab, Uber and all taxi rides in Singapore	• Accumulate a total retail spend of S$400 in a billing cycle to enjoy 5% cash rebate on Transport • Cash rebate capped at  S$20 per billing cycle
1%	Overseas Spend	• No minimum spend • No cap on cash rebate earned
0.3%	All other purchases	• No minimum spend • No cap on cash rebate earned

To hold for now:

5. BOC Zaobao - to KIV for online spend, department stores and dining (10%). Need to spend $600 to enjoy rebates. Note - only for merchants accepting Unionpay. Max rebate: $80, max spend for online = $800.

Cash rebates	Spend Categories
20%*	Zaobao and SPH newspaper subscriptions
12%	BreadTalk
10%	Buzz
	Department Stores
	Online Purchases
	Dining
5%	Spend in China

6. BOC Family card - to KIV for wedding spend; $700 spend to clock 0.8% interest($40) and $30 rebate. Used to be my No. 1 card. Need to spend min $700 to enjoy rebates. 

To say goodbye

7. BOC Dual Currency - to cancel. Created for China trip but did not use it.

8. POSB Everyday - to STOP using as ezlink card. $0.25 convenience fee waived. Received $0.15 cents rebate (0.3%). [side note: to use SC Spree card instead for 2% rebate]

9. DBS Black - to cancel. Low utilisation [side note: cancellation on the DBS site is super easy 👍 did it within 5 mins]

10. CIMB Visa Signature - to cancel. Need a minimum spend of S$500 posted within the same statement month; and minimum spend of 8 transactions of S$30 or more posted within the same
statement month to get 10% Cash Rebate on Wine and Dine, and Online Transactions in Foreign Currencies [side note: called CIMB contact centre and settled the cancellation in 10 mins]

Conclusion

With banks changing their games, we just need to do proper planning on the cards to use to milk the best rebates. 

Any good credit cards I miss? Recommendations are welcomed :)