Singapore's credit card scene is incredibly competitive. Almost every card offers freebies in the form of gift vouchers, meal discount vouchers and free gifts. However, I've found that most of the vouchers are often less useful as they require you to spend some amount of money first or it may simply not fit into your lifestyle. As an example, I received some health vouchers for hgh supplements and upon reading the hgh reviews online, I didn't use them as it didn't fit into my lifestyle. Perhaps, instead of offering useless vouchers, credit card companies should just offer cash back deals.