BEST Credit Card for Big Ticket Spend, Furniture & Electronics

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[@xtremescy]

Great video as always! May understand etc: if I spend $1000 this month, I get 5% cashback; will I be able to use this cashback ($50) to offset for this purchase when I made the bill payment? Or only eligible to offset next purchase? Citi SMRT*

[@candywisdom]

Or just use ocbc nxt card to break into free installments and earn interest put it somewhere else