If you have around 1.5L merchant spends in one year then go for Kiwi - you will get 5% until 1.5L - then 1.5% from then - only for 1st year - from 2nd year onwards you will have to buy Kiwi Neon membership worth 999 for 5% cashback.
If you want straight 3% cashback on merchant spends - then go for Super Money pro.
