For your case,
1st card to get is
OCBC Titanium MasterCard where you can earn 5% cash back (capped at RM50/month) for your Maxis bill. Still got balance RM500 for Petrol, Dining and TNB. So one year can earn up to RM600 cash back. Spend RM10K in a year, and you get extra RM50 bonus to offset GST.
2nd Card to get
Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday PLUS 5% cash back on Saturdays Sundays. So if you do your groceries on Saturday or Sunday, you can earn 5000 TP and RM50 cash back. So 1 year you can earn 60,000 TP (RM300 cash voucher) and RM600 in cash back.
Many merchants accept Maybankard Visa or MasterCard including the AMEX too for installment plans.
Click here to my artilce on Maybank 5X Treats Points with Ezy Pay. And from there, you will see a link to the participating merchants list. One thing good is that MBB card do offer 6 months installment plans.
Above combination, you can earn up to RM1500 in returns a year
As for UOB, well, if you can qualify for their Platinum credit card, it does offer some golf privilege. For Maybankard 2 Platinum, it also offer golf privilege. Go to the bank website for Golf Clubs offering complimentary green fees and see if it benefits you.
As for TnG, check out
this thread. Or just keep your CIMB card for convenience sake. I know last time we can sign up for autoreload with any credit card, not sure if that is still possible.
Wow. Thanks for the fast reply!
TnG is applicable to MB through zing card though. But CIMB visa gold card is special. There is no fee for autoreload compared to zing card which charging rm2.00 for every rm100. Sigh.... Guess i have to keep this 2 cards and pay the gov tax.