My 1st Credit Card in SG

This is my 1st time applying credit card in SG as i was keep thinking whether want to get it or not last time, since last time i used to always go for business travel and my boss did recommended me to apply one SG credit card so that i don't need to apply for cash advance from the company and also to avoid from losing certain % of money during claiming my business expanses with company's finance department if i were to use M'sia credit card, due to the currency conversion rate.
But, stil i only apply this SG credit card after i had gone through all my training trip at oversea and suffer the minimal amount of lost from the conversion rate by using the M'sia credit card. What an orthodox.. =_=
The reason i choose this Dividend Visa Signature credit card from Citibank is because it offers direct cash rebate instead of reward points which for me is kinda useless. The other reason is because what i heard from friends of mine that Citibank is good in providing privilleges/discounts at dining places, which again serve my main purpose of usage for this credit card. In term of the basic card annual fee, for principal card holder, it will be charged at SGD160.50 per annum, which i think is way too expensive compared to M'sia annual service charge ( exclude the M'sia GST and compare dollar to dollar). Nevertheless, what i heard from people is that, as long as u swipe at least 12 times per year you can waive the annual fee or if there is annual fee imposed to your account, just make a call to their service center and start to bug them about going to terminate the credit card service or whatsoever reason you can think of. Then walla!! the fee will be waived... hehhee.. but i yet to try it 1st... =)
The cash rebate benefits is listed as below:
Type of spend: Cash Back:
Petrol 5%
Dining* 2%
Groceries* 2%
Pharmaceuticals 2%
All other spend 0.5%

* 2% cash back on dining excludes food & beverage spend within hotels and wedding banquets held in hotel

I think that's all Im going to write bout it. Till next time... getting ready to swipe my new credit card... hehehe..