Actually the best rate is exactly 3000 for the month. Because if you spend (let's say) 2,200, you get 5% on the amount above 2000 (rm200) but only RM5.50 on the first 2000.

Your actual cashback in that case is a measly 0.7%.

If you spend exactly 3000, your actual cashback rate is 1.85%

Yes, topping up TnG wallet counts (and is worth it if you have no other option). But if your spending is consistently roughly 2k, then the additional 1k 'feels like' its worth it (spend 1% to get 5%) but you'd be much better off with another card which gives cashback for your actual amount of spend (e.g. UOB One, Affin Duo) without forcing additional spend.

Yes, 5%.... for that spend.

But the RM2000 before that doesn't get 5%. All of this is in the product disclosure sheet.