For up to RM5K spending, Alliance Plat is good because the minimum cash back starts at 0.5% and goes up to 2% as compared to SCB Biz Plat of 0.5% cash back and both cards earns the card holder points too.

One can still apply for the HLB Essential card. 

Just for clarification, the StanChart Business Gold & Platinum Business credit cards earns the card holder 0.5% cash back and if include points, it will be in the range of 0.8%-0.85%. Click here to read my review of the Standard Chartered Bank Business Credit Card. Please note current offer for SCB Biz Plat is 15% cash back for Petrol (T&C apply), Smart Tag and FREE Cash too.

Alliance Bank Premier Debit Card 2% flat cash back up to RM9K tops Alliance Plat Credit Card.
How much is below RM5K? If less than RM2K/month, the OCBC Titanium may be even better if you combine it with your petrol, dining, telco and utility bill.

Click here to read my article Earn Pocket Money With Credit Cards where I have indicated the returns one can earn with various spending pattern.