This is case to case depend on ppl.

My pay goes into CIMB, so that is why I use CIMB AA. As u mention IBG charge is RM2. Also the CIMB AA is only better then M2U Savers-i when it comes to below 2k. Above that, M2U is better at 2.1% vs 1.2% for CIMB AA

By the way, do you guys check if TnGo gives u cash back? Any confirmation?>
Mine like no difference if I topup TnG or not.I normally topup between 300 and 500... see no difference. hmmm

Can use AMEX to pay TNB via M2U now