want to perform lor, reduce outgoing money to customer, so give him/her a credit for money-saving initiative. 

very typical for any new mgmt level ppl joining a company. they'll do something drastic/different to prove his/her ability to help company save money.

also typical for most cardmembers. they dont really compare with other cards, so just use OCBC's without realizing there are better cards out there. of course, some will benefit from this Unlimited 1% cashback but considering our economy health (and high cost-of-living), they dont really care to help us reducing spending  . the blame will be shifted to end-users for not taking care of their spending.

in the end, we're suckers and banks are just providing credit facility.

p/s: I was one of the sucker earlier on without realizing Amex's cashback benefits (i've been charging to Visa for few months!  )