An easy-to-earn 4 mpd and numerous transfer partners make the Citi Rewards Card a no-brainer — despite annoyances like no points pooling and a 1% fee for local Amaze spend.
The AMEX HighFlyer Card suffers from poor earn rates and lacklustre benefits, and there's little reason to use it — unless your only alternative are corporate cards.
The value of the StanChart Beyond Card depends heavily on your status with the bank, with Priority Private and Priority Banking customers getting the best deal.
The StanChart Smart Card offers an incredible uncapped 9.28 mpd or 10% cashback — but the limited bonus categories and minimum spend requirement make it hard to recommend.