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Singapore users topping up, how do you do it to reduce costs?

Just got my Jade card in the mail. As I am based in Singapore, there seems to be 2 ways to top up the card. 1. Via another credit card (Not sure if there are any prevailing fees) 2. Via Crypto (Top up to Xfers and purchase USDC/USDT, followed by topping up the card via crypto) What is the lowest cost way to do it? Would probably top up $100 -$300 a month for transport and groceries, unless there is a big ticket item.
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