New sugg: two independent NTUC-union accounts. Pay $9 x 13 for both memberships. Need to spend $3000/Y per membership to break even. ($9600 spent through 2022.) The financial return include

• per-transaction linkpoint credit
• annual rebate as lump-sum linkpiont credit
• annual dividend in SGD

Q: cancel $9/M any time?
A: 3M notice