Haha.. Sorry for the confusion. The amount I posted was per month, did miss out the "pr yr"
Was paying 200 per month hence 2.4k for medical/life (in the annual statement said not full 2.4k in medical so I can't claim all on my tax, so considering top up after research on LYN)
and 3600 per annual (current pay by annual but if getting this watami card will recalculate see if quarterly payment cost me more than the rebate)

Also plan to invest 500-1k per month for this HLB "ever gain", which smth like buying fund at a certain price and promise when maturity pay at peak price in history of their price and free 6+years life insurance.

But still wonder is this consider fund or insurance or retail spending ? Anyone Please help clarify ? Thanks in advance~

Honestly, I don't know what category this would fall under, but, from my own personal experience, I'd say don't mix up your insurance and investments in the same vehicle.
Insurance companies are good at what they do, and so are investment companies, but I wouldn't trust either of them to do both.
Make sure that you are adequately and properly insured, then educate yourself in financial knowledge and do your investments yourself, separately.
Just my 2 cents.

all under retail transaction

not sure.

u better ask their CS whether insurance can get 3% cash back or not.

not sure.

u better ask their CS whether insurance can get 3% cash back or not.

not sure.

u better ask their CS whether insurance can get 3% cash back or not.

I got 3% CB for my Etiqa Takaful plan as well. This cc give the highest CB % so far for this category.

few months back, was thinking to get watami card to cover high-spending, e.g. takaful or electronics. too bad, my sporadic high-spending doesnt justify the need to get any new card 
earlier this month 3-May, i renewed my etiqa takaful (rm1.4k) with mbb2card amex. maxed out my rm50 cb in 1 day

since i dont have other cards (intentional), now my weekend spend is just gaining TP "fumes"      today is Wesak, i need to meditate hard from spending throughout this whole month (except petrol). haizzzzz.....

Is yours motortakaful or life insurance? I heard motortakaful can pay on weekend; but not etiqa life insurance.
Before using Watami cc, I used to pay my etiqa life insurance using Amex (only on weekday) and get 5x TP (~2.5%) initially and then 2x TP (~0.8%) after they revised down. 
Now it is on autodebit to watami, 3% CB no hassle, no fuss... (until there is a higher CB card)

u dont have other insurance other than moto?
u can combined it pay to earn 3%

just use it to swipe for that la
why u will missed?

Need min 3k/quarter to qualify cashback. My monthly spending is <1k/month and adequately-covered with amex, so no point to spend even more. Spend less is better than chasing cashback.

Need min 3k/quarter to qualify cashback. My monthly spending is <1k/month and adequately-covered with amex, so no point to spend even more. Spend less is better than chasing cashback.

do u mean if u use the watami card at places that don't accept amex along with your insurance charged to it, you still not able to hit 3k in 3 months ?