10 Best Rewards Credit Cards in Singapore: 2022 Selections

10 Best Rewards Credit Cards in Singapore

Articles written are independent opinions, and are not affiliated/sponsored unless specifically mentioned.

best rewards credit card singapore

Table of Contents

Are you thinking of getting a credit card?

If you are, why not kill two birds with one stone and get rewards credit cards that allow you to earn rewards as you use them!

Interested? Read on, as today, we will be going into the best rewards credit cards in Singapore!

Factors to Consider

As it goes with any investments made, it is always important to know what each credit card entails to decide the best credit card for you.

As every credit card has different specifications and is crafted to suit various individuals, we have categorised our picks according to the following factors:

  • Annual fee of the credit card – a yearly fee for using the card (if any)
  • Income requirements (if any)
  • Credit limit – the maximum amount that can be charged to the card (if any)
  • Rewards the credit card offers, and
  • Other perks or additional features of the credit cards (if any)

 

Rewards Credit Cards Comparison

The following table depicts the selection of available rewards credit cards in Singapore. We first break them down according to annual fees and income requirements.

Card  Annual Fee Annual Income Requirements
Citibank Rewards Card S$192.60 S$30,000 for Singaporeans

 

S$42,000 for non-Singaporeans

Standard Chartered Rewards + Card S$192.60 S$30,000 for Singaporeans

 

S$60,000 for non-Singaporeans

HSBC Revolution Card None S$30,000 for Singaporeans

 

S$40,000 for non-Singaporeans

OCBC Titanium Rewards Card S$192.60 S$30,000 for Singaporeans

 

S$45,000 for non-Singaporeans

Maybank World MasterCard S$240 S$80,000 for Singaporeans

 

No information on amount for non-Singaporeans

Citi Lazada Card S$192.60 S$30,000 for Singaporeans

 

S$42,000 for non-Singaporeans

American Express CapitaCard S$171.20 S$30,000 for Singaporeans

 

S$45,000 for non-Singaporeans

DBS Woman’s Card S$192.60 S$80,000 for both Singaporeans and non-Singaporeans
Maybank Horizon Visa Signature Card S$180 S$30,000 for Singaporeans/ Singapore permanent residents

 

S$45,000 for Malaysia Citizens in employment for at least 1 year

 

S$60,000 for Foreigner, in employment for at least 1 year

UOB Lady’s Card S$192.60 S$30,000 for Singaporeans

 

S$80,000 for non-Singaporeans

The following table is a breakdown of other features of the cards, such as the credit limit, rewards offered, other perks and any other additional features.

Card Features 
Citibank Rewards Card
  • Minimum age of 21 to be eligible
  • Annual fee waived the first year
  • No minimum spend requirement
  • No information on credit limit
  • 10X points = 4 miles (Bonus points)
  • 10X Rewards per S$1 spent on all shopping and online purchases, 1X Reward on all other retail spend
  • 10X Rewards per S$1 spent on rides with taxi apps like Grab, Gojek, etc.
  • 10X Rewards per S$1 spent on online food delivery and groceries
  • Complimentary travel insurance when airfare is charged to the card
  • 10X Rewards capped at 10,000 Points per statement month, after that you earn 1X Reward for every S$1 spent (no cap for earning 1X Reward – Base point)
  • Welcome gift of 30,000 Citi ThankYou points if you spend S$3,000 within the first 3 months
  • Points earned are only valid for 12 months
Standard Chartered Rewards + Card
  • Age eligibility range between 21 and 65 years old
  • Annual fee waived for 2 years
  • No minimum spend
  • Credit limit subject to their review and approval
  • 10X Rewards Points per S$1 spent in foreign currency for qualified Rewards Transactions (any transaction made in non-SGD currency)
  • 5X Rewards Points per S$1 spent on local dining (except for select local hotel restaurants, bakeries, and supermarkets)
  • 1X Rewards Points per S$1 spent on all other spends
  • Complimentary travel insurance if you charge full travel fare to your card
  • Rewards+ Points capped at 20,000 per annum, after that you earn 1 Reward point per S$1 spent
  • No information on the points validity period
  • 6 months of Disney+ subscription and S$220 cashback when the card is activated and used within 30 days upon approval
HSBC Revolution Card
  • Minimum age of 21 to be eligible
  • No annual fees
  • No minimum spend requirement
  • Credit limit subject to their review and approval
  • 10X Reward points = 4 miles = 2.5% cashback
  • ^can be earned per S$1 spent on online and contactless payments (food delivery, travel bookings, paying by Visa/Google Pay/ Apple Pay)
  • 1X Reward points for all other types of spending with no cap on points earning limit
  • 10X Reward points rewarded for online or contactless payments with HSBC’s fitness and wellness rewards partners
  • Points earned valid for 3 years
  • Card made from 85.5% recycled plastic
OCBC Titanium Rewards Card
  • Minimum age of 21 to be eligible
  • Annual fee waived for 2 years
  • Minimum spend of S$10,000 per annum (for additional annual fee waivers)
  • 50 OCBC$ (20 miles) for every S$5 spent on selected online and retail purchases (includes popular companies such as Harvey Norman, Zalora, and Takashimaya)
  • 5 OCBC$ per S$5 on all other spending (Base OCBC$)
  • Bonus OCBC$ to be earned capped at 120,000 per anniversary year (after that all transactions earn only the Base OCBC$)
  • Points earned are valid for 2 years from the month of accrual
  • Additional 2% cash rebate on BEST Denki spending
  • OCBC$ can only be earned by every S$5 charged to the card
  • Up to 23% fuel discounts at selected petrol stations
Maybank World MasterCard
  • Minimum age of 21 to be eligible
  • The annual fee is waived the first year
  • Subsequent annual fees are waived with a total minimum spend of S$24,000 per year
  • 10X TREATS Points (4 miles) are awarded for every S$1 spent at selected merchants (mix of restaurants, retail shops, and luxury brands)
  • 10X TREATS Points for filling up at petrol stations in Singapore
  • Redeem selected gifts at half the usual TREATS Points throughout your birthday month
  • Deals with Maybank TREATS SG App for dining, shopping, and travel
  • Complimentary travel insurance coverage of up to S$1,000,000 when air tickets or travel packages are fully charged to the card
  • Complimentary Plaza Premium airport lounge access
  • All year round complimentary green fees at 100 participating golf clubs in 19 countries
Citi Lazada Card
  • Minimum age of 21 to be eligible
  • Annual fee waived for 1st year
  • No minimum spend
  • 10X rewards points (4 miles) per S$1 spent on Lazada purchases excluding Redmart
  • 5X rewards points (2 miles) per S$1 on entertainment (including Netflix, Spotify, cinemas, and ticketing), dining, taxis, ride-hailing apps, flights, accommodation and other travel spending
  • 1X reward point for every S$1 spent on all other spending
  • Bonus 10X or 5X rewards are capped at 9,000 points per month (after that you earn 1X point per S$1 spent with no cap on earnings)
  • Shipping rebate with a min. of S$50 per transaction at Lazada, capped at 4 shipping rebates per month
  • Complimentary travel insurance when airfare is charged to the card
  • Points earned may be used to pay for any purchase
American Express CapitaCard
  • Minimum age of 21 to be eligible
  • Annual fee waived for 1st year
  • 15 STAR$ for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 per calendar month
  • 20 STAR$ for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands
  • 30 STAR$ for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town
  • Additional 50 STAR$ when you spend at participating STAR$ X’tra Partners in CapitaLand Malls – on top of the STARS$ you earn across participating merchants at CapitaLand Malls
  • 5 STAR$® for every S$1 spent on eligible purchases of goods and services outside CapitaLand Malls
  • Complimentary 3-hour parking at participating CapitaLand Malls when you spend S$1,200 a month
  • STAR$ can only be redeemed for eCapitaVoucher in denominations of 5,000, 10,000 or 50,000 STAR$
  • STAR$ earned for spending at participating CapitaLand Malls are capped at S$1,200 per calendar month but after that you earn 5 STAR$ per S$1 spent
DBS Woman’s World Card
  • Minimum age of 21 to be eligible
  • Annual fee waived for 1st year
  • No minimum spend requirement
  • Open to men and women
  • 10X DBS points (20 miles) for every S$5 spent on online purchases (only applicable for the first S$2,000 online spend per calendar month)
  • 3X DBS points (6 miles) for every S$5 spent on overseas purchases
  • 1X DBS points (2 miles) for every S$5 spent on other purchases
  • Complimentary e-commerce protection for online purchases
  • Enjoy special promotions and discounts for select fashion, beauty and wellness stores
  • Accumulated DBS Points can be used to redeem air miles, shopping and dining vouchers, movie discounts and more
Maybank Horizon Visa Signature Card
  • Minimum age of 21 to be eligible
  • Annual fee waived for 3 years
  • The subsequent annual fee is waived with a total yearly minimum spend of S$18,000 (S$1,500 per month)
  • Minimum spend of $300 per month
  • 8X TREATS Points (3.2 air miles) with every S$1 spent when you charge the card for any restaurant dining and petrol stations in Singapore – on top of existing station discounts, and public transport charges – inclusive of Grab and taxi rides with selected taxi service providers and hotel bookings at Agoda.com/Horizon
  • 5X TREATS Points (2 air miles) for every S$1 spent on air tickets from all airlines, travel packages from any travel agency, cruise packages, and foreign currency transactions for online purchases or overseas spending
  • Complimentary access to selected VIP airport lounges subject to terms and conditions
  • Complimentary travel insurance coverage of up to S$1,000,000 when full travel fares are charged to the card
  • Bonus TREATS Points capped at 30,000 per month, thereafter you earn 1X TREAT Point with no minimum spend
  • Points earned can be used to redeem a wide range of rewards such as shopping and dining vouchers, cash credits, and more
UOB Lady’s Card
  • Minimum age of 16 to be eligible
  • An initial deposit of $1,000 required
  • Annual fee waived for 1st year
  • Card opened to women only
  • 10X UNI$ (20 miles) per S$5 spent on chosen category online/in-store locally or overseas with no minimum spend required
  • 1X UNI$ (2 miles) on other purchases
  • Interest-Free Payment Plan over 6 or 12 months with the UOB Lady’s LuxePay Plan for luxury purchases – subject to terms and conditions
  • E-commerce protection on online purchases
  • Freedom to change chosen category every quarter (categories: entertainment, transport, travel, family, dining, fashion, and beauty & wellness)
  • UOB$ Programme that allows you to earn up to 10% instant cashback all year round for every transaction made in-stores at participating merchants
  • Wide range of birthday month treats
  • UOB Lady’s Savings Account that provides free female cancer coverage of up to S$200,000 based on your balance saved with an interest of 0.05% p.a. on all balances and no medical assessment required

*Note: All information is valid as of 20/03/2022, with terms and conditions subject to changes.

Overall Best Rewards Credit Card: OCBC Titanium Rewards Card

I think the OCBC Titanium Rewards card is probably the best overall from the above.

The OCBC Titanium card has an impressive 50 bonus points (or 20 miles) per S$1 spent on eligible online and retail purchases from popular brands and a base-points ratio of 5 OCBC$ per S$5 for all other spendings.

Although there is a cap on how many bonus points you can earn per year, there is none for base-points earning.

This means you can still continue earning (as long as you make enough for redemption within 2 years).

While the card’s annual fees are affordable and in the typical range of most credit cards’ annual fees, it also has annual fee waivers for the first 2 years, with more possible!

I think that this feature is rather good too, as you can save on annual fees if you meet the requirements.

This card also offers a 2% cash rebate on BEST Denki spending and up to 23% fuel discounts at selected petrol stations.

If you ask me, especially with the current increase in fuel prices, any card with fuel discounts is definitely a plus point!

Best Rewards Credit Card for Ladies: UOB Lady’s Card

As it was borne out of the celebration of women, this next card is only open to ladies.

Nonetheless, the best rewards credit card for ladies on our list today is the UOB Lady’s Card!

While its points and miles earning ratios are also pretty good with a wide range of avenues to earn from, the main cool features of this card are its:

  • Interest-free UOB Lady’s LuxePay Plan
  • E-commerce protection on online purchases
  • Freedom to change chosen category for points earned every quarter from entertainment, transport, travel, family, dining, fashion, and beauty & wellness
  • UOB$ Programme to earn 10% instant cashback all year round
  • A wide range of birthday month treats, and
  • The UOB Lady’s Savings Account provides free female cancer coverage of up to S$200,000 with no medical assessment required

 

UOB really went all out to make sure women feel special with this card, as its features are really tailored to cater to a lot of the needs we may have.

Other than the Maybank World Mastercard, this card is the only other one to also offer birthday month specialities to make you feel a little more special around your birthday!

This card is also the only rewards card on our list today that offers some health coverage too, which is always good to have just in case.

Also worth noting is that the UOB Lady’s card gives you the rare flexibility to pick how you want to earn your points.

As this feature can be changed every quarter, you ladies will really be able to explore your various expenditures according to the season of your needs!

For instance, if you’re usually in need of new clothes around the beginning of the year, you may opt for the fashion category to earn points in your first quarter.

If you are vacationing, you may consider switching to the travel category.

Unlike cards that are pretty fixed in the ways you earn points, the UOB Lady’s card offers options in this area and is an excellent way to maximise your use of the card!

Lastly, this card is also relatively rare because it has one of the lowest age requirements for eligibility.

So for any mothers out there, you can even consider getting your daughters this card as a gift when they turn 16!

Best Rewards Credit Card for Budget Spenders: HSBC Revolution Card

This card has the lowest income requirements, no minimum spending requirement, and its best feature is its zero annual fees!

Although this card already seems too good to be true, it really is affordable and still has some great rewards.

This card is also the only one on our list that allows you to convert your points to miles or cashback value, depending on what rewards you want to earn.

On top of this, its points-per-dollar ratio is also quite on par with some of the other cards, at 10X (or 4 miles or 2.5% cashback) Reward points per dollar spent on online and cashless payments.

Though you only earn 1X Reward point per dollar spent for all other spendings, there is no cap on earning.

Moreover, suppose you’re a keep-fit buff who splurges on fitness or wellness-related purchases.

In that case, you can earn an additional 10X Reward points if you shop with their selected fitness and wellness partners.

With their points being easy to earn, they are also valid for 3 years, giving you ample time to earn enough.

Also worth noting is that their card is made from 85.5% recycled plastic, which might be an attractive feature for those who are more eco-conscious.

Best Rewards Credit Cards for Travel Junkies Option 1: Maybank Horizon Visa Signature Card

If you love to travel and want to earn rewards but are tight on budget, then the card for you is the Maybank Horizon Visa Signature.

Though it’s not without any annual fees like the HSBC Revolution, it’s still affordable at S$180 per annum with a fee waiver for 3 years available.

After that, subsequent annual fee waivers are possible but with a total yearly minimum spend of S$18,000, which would be about S$1,500 per month.

This card also does have a minimum spend of $300 per month, but I think just with bills, transport, food, and such, you’d definitely be able to hit this amount or even the S$1,500 and save S$180 a year.

This card’s points-earning ratios are also quite generous in terms of rewards.

You can earn 8X TREATS Points (3.2 air miles) with every S$1 spent for any restaurant dining, petrol stations, public transport charges (including Grab and taxi rides with selected taxi service providers), and hotel bookings at Agoda.

Another cool thing is that the points you earn at petrol stations are on top of any existing discounts, allowing you to save and earn at the same time!

That’s not it, as you can also earn 5X TREATS Points (2 air miles) for every S$1 spent on air tickets across all airlines, travel packages with any travel agency, cruise packages, and foreign currency transactions for online purchases or overseas spending.

Suppose you also happen to travel and charge S$1,000 in a single retail transaction 3 months before the travel date.

In that case, you get complimentary access to selected VIP airport lounges!

What’s more? Your accompanying guest(s) (if any) also get a 20% discount on walk-in rates for lounge access at participating Plaza Premium Lounge outlets!

Suppose you go one step further and charge full travel fares to the card; you even get complimentary travel insurance coverage of up to S$1,000,000, which is another great feature for such an affordable card.

However, note that bonus TREATS Points are capped at 30,000 per month, but after that, you can still earn 1X TREAT points per dollar spent with no minimum spend.

Lastly, another great feature is the fact that you can redeem a wide range of rewards such as shopping and dining vouchers, cash credits, and more with your accumulated points!

Instead of being stuck with a reward you may not even use, I think it’s pretty helpful that you get to choose what you’d like to redeem from how much you’ve earned.

Thus, all in all, this card is still a pretty good consideration given its generous features despite its more affordable annual fees.

Best Rewards Credit Cards for Travel Junkies Option 2: Standard Chartered Rewards+ Card

Now, suppose you more often find yourself everywhere else in the world than in Singapore. In that case, you can consider yourself a frequent traveller – with the card for you being the Standard Chartered Rewards+.

With an additional S$12.60 for annual fees, this card offers a higher points-per-dollar-spent ratio than the previous Maybank card, making it easier to earn points.

With no minimum spend requirement, you can earn 10X Rewards Points per S$1 spent on any non-SGD currency transactions, which means you can earn by shopping on foreign websites too!

There isn’t any information available regarding the points validity period. However, another good thing about this card is that you can still earn points with selected local dining and more.

I’d say that overall, the only downside of this card is their unique age eligibility range being between 21 and 65 years old, which can be a bummer for those of you who might be over the range or if you want a card that can last you for life.

However, they make up for it with their complimentary travel insurance for when you fully charge your travel fare to the card.

This card also has another attractive feature for all you Disney-lovers, which is their 6 months of Disney+ subscription and an additional S$220 cashback when the card is activated and used within 30 days upon approval.

Compared to the previous Maybank card, the Standard Chartered has slightly fewer features despite its slightly higher annual fees.

However, I think that this card is still better for earning points overseas or for foreign shopping as the points-per-dollar-spent ratio is higher.

For instance, now that the borders are open, you can just use the card for all your spending and earn points if you frequent Malaysia!

It is not only convenient as you wouldn’t have to carry as much cash, but you can still earn as you spend somewhere other than Singapore.

Hence, it is still a card worth considering.

Best Rewards Credit Card for High Spenders: Citibank Rewards Card

If you spend quite a bit every month, then the card for you is the Citibank Rewards.

This card has a generous points-and-miles-earning ratio of 10X Rewards per dollar spent.

Plus, as there are many avenues to earn points, such as online purchases, Grab, and food delivery – to list a few – you can definitely accumulate them quickly if you tend to spend more.

Sure, there is a cap on the bonus points you can earn, but the base points earning have no cap.

With their generous welcome gift of 30,000 Citi ThankYou points, as long as you keep spending using this card, you’ll be able to earn your rewards quick too!

I’d say that the only downside to this card is that the points earned expire every 12 months, so if you don’t earn enough points for redemption, it may go to waste.

This limit may be a little pressurising, but you’d have no issue earning and redeeming if you’re a big spender.

If you do also charge your airfare to the card, another plus point is that you can get complimentary travel insurance as well!

Overall, this card is quite impressive and great for earning rewards given its affordable annual fees (that can be waived the first year as well), but you really need to spend more to truly benefit from the card.

Best Rewards Credit Card for Golfers: Maybank World Mastercard

If you are more lavish with your free-time sports and play a lot of golf, then the card for you is the Maybank World Mastercard!

A little warning, though, this card has the grandest annual fees on our list today, but you’ll allow it once you know its features.

This card has complimentary green fees at 100 participating golf clubs in 19 countries!

Doesn’t that just sound incredible?

In other words, with this card, you can not only earn rewards but explore 100 golf clubs – for free!

While that in itself may be a dream come true for you golfers who may want to golf worldwide, that’s not this card’s only great feature.

This card is the only card other than the UOB Lady’s Card to offer birthday month treats – another great fancy feature.

For earning reward points, although it has a similar ratio to the Citibank Rewards card (10X TREATS Points per S$1 spent), its categories of earning are slightly less varied – probably since they have been more generous with their golf benefit.

However, they make up for it with their Maybank TREATS SG App, which offers dining, shopping, and travel deals!

And besides, you can still earn points at selected restaurants, retail shops, luxury brands, and filling up at petrol stations, which are the typical categories of daily expenditure anyway.

Lastly, if you do also charge your air tickets or travel packages fully to the card, you can even enjoy complimentary travel insurance as well!

All in all, I think that despite its high annual fees, all the features of this card definitely make it worth the amount.

Best Rewards Credit Card for Online Shoppers: DBS Woman’s World Card

Are you a homebody? Maybe you often feel lazy to go out and shop, so you do all your shopping online?

Regardless, why not get the DBS Woman’s World card and earn some rewards while shopping!

Though the name may suggest that it’s restricted to just women, like the UOB Lady’s Card, it’s actually open to everyone!

In terms of earning, it’s got some impressive points-and-miles-per-S$5-spent ratios which are great for those who may prefer to get your rewards in terms of flight tickets.

In addition to this, the card also does offer special promotions and discounts for select fashion, beauty and wellness stores, which is also a remarkable added feat.

And as for redeeming your points, you can not only opt for air miles but shopping, dining vouchers, movie discounts, and more.

Also worth noting is that this card doesn’t have a minimum spend requirement either, which means pressure-free shopping and earning!

Best Rewards Credit Card for Frequent Mall-goers: American Express CapitaCard

The great thing about our list of the best rewards credit cards is that there is something for everyone!

Now, suppose you are someone who prefers going to malls. Then you’d fall into this next category, with your suited card being the American Express CapitaCard.

This card has a lower annual fee than the rest on our list and even offers a fee waiver for the first year!

However, the best feature of this card is its rather generous points-per-dollar-spent ratio that ranges from 15 TO 50 STAR$!

And for most of these ratios, you simply just have to shop at CapitaLand Malls and selected merchants for higher points!

You may also enjoy 3-hour complimentary parking at participating CapitaLand Malls when you spend S$1,200 a month.

Though there is a S$1,200 cap on the STAR$ you can earn per calendar month, any spending still makes you 5 STAR$ per dollar spent.

You can still earn points in that same ratio on eligible purchases of goods and services outside CapitaLand Malls!

Overall, I’d say that the only downside of this card is that the points can only be redeemed for eCapitaVouchers, whereas other cards on our list offer miles, discounts, and more.

However, there are 19 CapitaLand malls in Singapore, so if you are big on shopping at malls, this card is still an excellent choice for you.

Best Rewards Credit Card for Lazada-lovers: Citi Lazada Card

Lastly, for those of you who tend to shop a lot on Lazada, the Citi Lazada Card was made just for you.

It’s got an annual fee of S$192.60, which will be waived for the first year, and the minimum age requirement is 21.

In terms of earning rewards, it’s got quite a good rate of 10X (4 miles) rewards points per dollar spent on Lazada purchases. However, the only dealbreaker for some may be that this ratio excludes Redmart.

However, I think it’s 5X rewards (2 miles) points per S$1 on dining, entertainment (including Netflix, Spotify, cinemas, and ticketing), taxis, ride-hailing apps, flights, accommodation and other travel spending, makes up for that.

Although the card mainly caters to those who splurge on Lazada, the avenue to earn points (and miles!) with dining, entertainment, and more is definitely a plus point.

You can also earn a 1X reward point for every dollar spent on all other spending and a bonus of 10X or 5X rewards!

However, while the bonus points are capped at 9,000 points per month, you can still earn 1X point per dollar spent with no cap, which is great as you continue to accumulate.

The card also does offer shipping rebates subject to terms and conditions and complimentary travel insurance when airfare is charged to the card.

This is quite an impressive added feature for a card that targets Lazada-shoppers explicitly.

As for points redemption, you may use the points earned to pay for any purchase or use your miles to score some flight tickets!

So, in other words, you do have a choice with your rewards compared to the American Express CapitaCard.

Overall, the card isn’t all that bad, as it is pretty broad in its available routes to earn points that aren’t only limited to just shopping on Lazada.

Conclusion

In conclusion, the best rewards credit card in Singapore is the one that gives you the most bang for your buck based on what you usually spend.

The best rewards credit card in Singapore will depend on your personal situation, so it’s important to keep these factors in mind when choosing which card to apply for. Once you’ve found the right card for you, you’ll never want to switch.

All in all, as we always advise, do your own research, understand your needs and habits, and you’ll be better able to pick the best rewards credit card for you!

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

Follow us here:

Other Useful Reads

Free Financial Planning E-book

Join over 1,000 Singaporeans in their financial planning journey!

Get updates on unbiased easy-to-digest content by joining our Telegram channel.