1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: No

3. Card required for:
Cash Back/Rebate
Some Overseas Transactions (backup), some PayPal (backup)
No need AirMiles
No need LCCT Lounge Access
No need Plat if Gold is good enough

4. Existing credit cards if any:
Maybankard2 Amex + Visa Plat
SCB Just One Master Ti
SCB Business Visa Plat (for free cash, going to cancel in 4 months)
Public Bank Esso Mobil Visa Gold (petrol only)

6. Others:
Used to be my SCB JustOne Ti is my primary card and Amex is secondary. Now JustOne rendered useless, so looking for a temporary replacement (or permanent if SCB new benefits are not good) to be my primary/secondary card.

Normal uses: buying stuff, some restaurants (probably 2-3 times a month), some groceries (less), paying bills (if MBB2 Amex not accepted), no movies (maybe twice a year), no petrol (PBB card exclusively for that), some online spending. Eyeing the OCBC Titanium but the cashback by categories is really a headache, hard to keep track. Would consider it if it's really the next best card. Prefer easy-to-remember cashbacks like MBB2 Amex and SCB JO Ti.

Any card which offers instant cash rebate now like SCB? Thanks!

Confusing to keep track of cash-back. With SCB Ti, for example, I keep track of 1 category: ALL. With OCBC Ti, it's 4 categories: UTILITIES, GROCERIES, DINING, PETROL.