Dining: HSBC Visa Signature Card with Dining selected for Red Hot Rewards for 3.6% Cash back. There are other cards that have higher cash back, but that's for more specific merchants. I feel like this is reasonably good without the cognitive load of thinking which merchants are eligible for higher cash back for something like BEA
Online: I just use my HSBC Red card for about 4% on online shopping. Don't really bring it out and just have it connected to various online accounts.
Controversial Choice: I just ordered the Crypto.com Visa pre-paid card that comes with 5% cash back, Spotify, netflix, and amazon prime rebates. The big caveats are that these rebates and cash back are in the dollar equivalent of CRO Token. If the CRO token drops after being rebated, you could get less than the 5%. That being said, it could also go up. Additionally, you are required to stake a certain amount of CRO to qualify for the 5% cash back tier - depositing SGD 50,000 at 12% annually. If you're optimistic on the CRO token, it's pretty great. There's obviously exclusions on what qualifies for 5% cash back, specifically purchasing money-equivalents to combat churning. Once I receive it, I'll probably try and play with it for a bit and move spending towards this card as 5% is a lot better than conditional 3.6 / 4%. Will report back how the experiment plays out. So far so good given the CRO I had to stake to qualify has gone up in value.