the good thing about POSB everyday is not really about Carrefour because if you dun stay near then it is not useful. it is based 2 things
1. PUB bill can be paid by this. no other cards offer this
2. no minimun for the cash credit back. monthly deduction from your bill. (never owned one, just based on my understanding. pleas let me know if i am worng)
citibank got more discount at various restraunts and pubs, but if you dun really spend money there, then no use again. cash back for dividend card is at minimun 50 SGD, which means by the lowest rate 0.5%, you need to spend about 10k in order to qualify.
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