Wah, got an algebra problem to solve, hahaha. Look like my examples in Earn Pocket Money with CC did not cater for your case.

Petrol get UOB One Card. If go Guardian, Watson, Caring and  GSC also charge to this card. Go check out UOB SMART$ Cash merchants to see if you patronize any and earn extra in addition to the cash back. 
Food plus Telco just slightly above RM1K, if can squeeze below RM1K, then OCBC Titanium good for just these 2 items.

Gym, haha, just like what I mentioned in my article on 5Bs.

So we have remaining Gym and Insurance RM300 and Balance RM1260. Insurance if GE look into OCBC GE card.

Option 1 - HLB Essential you get 1% cash back, so for RM1560 you only get back RM15/month
Option 2 - Alliance Platinum Debit Card or Premier Debit Card where you get 1.5% and 2% cash back respectively.
Option 3 - the 42% Balance see if any card get gives you discount at places you transact. E.g. you only buy clothes at FOS, CIMB gives you 10% where RM200 you get RM20 better than 1% cash back from HLB, Or you shop at MidValley, Isetan, Parkson then get HSBC Visa Signature where you can get 5X Points (but then again many shops at MidValley and 1U accept AMEX too).

Seriously, if the places you patronize accept AMEX, even on weekdays you get 5X TP equivalent to 2.5% return which is better than any other credit card. On weekends you can get 5% cash back which may come in handy. Go check out Places That Accept Amex Thread. There are many places that accept AMEX including clubs. MBB 2 Amex 2.5% even better than Citi CB and UOB 1 Card at Pharmacies. DiGi, CElcom and Maxis accept AMEX ( so that you have more for your OCBC TMC).

yah, most of my DiGi, Maxis and Celcom bills autodebit with MBB 2 AMEX but two autodebit with OCBC TMC.

Thanks Bro for reading my articles and good to know you found them useful.

As for TNB,  get Maybankard 2 Cards and then apply AutoPay with the MBB 2 AMEX card. You will than earn 5X Treats Points. With RM2K bill, you will get 10,000 TP to offset GST for the first month and the balance 11 months you will get RM2K x 11 x 5TP = 110,0000 TP  And if you use on weekends, can get max RM50 cash back too 

Click here to AMEX site to read mor about Auto Pay.

For Telcos and Astro, you can just do auto debit with them directly and not necessary got to fill the AutoPay form with AMEX.

i never play golf with client or coz of biz. all this time just to have fun with fren

not just weekend, even weekdays also cannot use amex @ tnb!

read above post, just convinced me to cancel my CB Clear Card n Shell Card.

I have total 3 cards now, wondering if i able to apply UOB One Card first then only cancel two of the cards?

Aside, I'm not working in msia now, do u think i still able to apply for a card?

For local use, MBB 2 AMEX for it's 5X TP
For overseas use, Maybank VI for its 5X TP

If put MBB 2 AMEX aside, then AMEX's AMEX cards with Turbo points is good since one earns unlimited 1.5% cash back credited into account. Actually all AMEX's AMEX cards earns the cardholder minimum 1% cash back with minimum 2X MR (for plat can go up to 10X MR).

you getting 0.5% returns from SCB points? For non AMEX, I think HLB Essential with 1% pure cash back is better.

Edited/More comments

Let's do a comparison based on shopping vouchers SCB Business versus MBB VI for local transactions (for overseas no need to compare lah)

SCB - Isetan and Giant RM50 voucher needs 12000 points (0.416%) and when consider 0.5% cash back total = 0.92%
SCB - Hush Puppies, MJ, Courts, Guardian and Popular RM50 voucher needs 12,500 (0.4%) and when consider 0.5% cash back total = 0.9%
SCB - KFC, McD and Tesco RM50 voucher needs 13000 points and when consider 0.5% cash back total = 0.88%
SCB - Jusco (AEON) - RM50 voucher needs 13,500 points and when consider 0.5% cash back total = 0.87%

versus MBB VI 2X Treats Points for local transactions

Popular, Giant and TESCO RM10 voucher 3000 points or 0.66% (stay away from RM10 voucher with 3000 points, better wait as MBB Treats Points are evergreen)
McD - RM10 voucher 2700 points of 0.74% (still not worth it)
Tesco and Giant RM50 voucher 11000 points or 0.9% (here SCB for Giant better)
Jusco (AEON) RM100 voucher 21000 points or 0.95%
Hush Puppies RM50 voucher 8500 points or 1.17%
MJ RM50 voucher 9000 points or 1.11%
Coffee Bean RM10 voucher 1800 points or 1.11%

So from above, it looks like if want unlimited cash back, HLB Essential at 1% better than SCB. But if your MBB card earns you 2X Treats Points and you don't mind getting cash vouchers, then maybe MBB 2X TP better if you patronize the merchants that offer RM50 vouchers for less than 10,000 points.

But if merchant can use MBB 2 AMEX (for local transactions), it's a no brainer.

you really lazy go to figure it out yourself, the info can easily be obtained in Citibank website This has been discussed previously too. Click here.

If you have further questions, please follow format in post#1.