Hi, I would appreciate your help. This is my particulars.

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only

4. Existing credit cards if any:

Alliance Bank PL Visa (max. 68.75 cash back already from monthly insurance).
+4 others which I am thinking of cancelling (Ambank PL CARZ Master, Public Bank PL Visa, RHB PL Master, Citi Bank PL Visa)

5. Looking at CC from: Thinking of getting 2 to replace the above 4, maybe Citibank cashback / Hong Leong essential

6. Others:

Not interested in Airport Lounge Access, I don't travel much international

New cards to pay for below expenses apart from the 5K monthly insurance above;

- insurance 30000 once off on April next year (<- looking for max cash back for this big item)
- internet Taopao ~ 600 per month
- internet malaysian airlines ~ 400 to 1000 per month (all domestic only)
- internet utilities (streamyx, postpaid digi, electricity) ~ 500 per month
- supermarket grocery ~ 300 per month
- petrol ~ 150 per month

Thank you very much.