I often see people using EPS at the supermarket, and have wondered what reasons everyone has for not using a credit card? Genuinely curious.
If the bill is settled on time then interest is 0% anyways - so just don't pay late. If one has cash for EPS, surely one can mentally set it aside for bill repayment?
Meanwhile I find an itemised monthly bill useful, and of course the cash back is a bonus. Also helps in certain situations e.g. avoiding a deposit with some mobile carriers, online shopping etc... (though I suppose it's a bit better now with PayMe and various virtual cards?).
Anyways... the Enjoy card is fine. I suppose more useful now that Yuu replaced Octopus Rewards, and the 8% off at Wellcome on 3/13/23rd of each months is a bonus. Probably easier to apply if you already bank there.
Otherwise HSBC can give quite high cash rebates, if you can be bothered to navigate the rules, but you already mentioned you don't care for those anyways.