I am using titanium when they offered 1% unlimited cashback until recently they slowly cut down the cashback % now i am thinking should I get another 360 because my titanium actually linked to one piece of fd not sure if get 360 also need to pledge another piece of fd, anyone mind to enlighten me?

Because I only pledged 1pc FD just to get the card, in fact everytime I swipe I need to pay off then only can continue swipe. And this card is mostly dedicated for my office spending so normally the amount can be 20k per month. But now after they revised the cashback I need to look for another card.