The SC Journey Card offers excellent first-year value with its stackable welcome offers. However, like its X Card predecessor, renewals aren't strictly essential.
The Citi Prestige Card still performs well compared to the competition, but with a higher annual fee and fewer benefits, the value feels more marginal every year.
The UOB Lady's Cards offer great versatility for miles chasers — with bonus miles and interest via the UOB One and Lady's Savings Account — though the Solitaire requires a fair bit of micromanagement.
With no welcome offer in more than a year, and annual fee waivers no longer possible, getting (or renewing) a DBS Vantage Card feels like a marginal proposition.
The UOB Visa Signature offers excellent versatility, with 4 mpd on almost all local or overseas spending — though the mechanics take some getting used to.