Bro,

for cash rebate and reward points

1) Maybankard 2 Cards

a) It is FREE For Life

b) The Maybankard 2 Cards AMEX earns you 5% cash back (on Saturday and Sunday) PLUS 5X Treat Points everyday.

c) good if you can wait until Saturday and Sunday to perform transactions with your card.

d) cash back is capped at RM50/month, i.e. you earn 5% cash back up to RM1K spending on weekends in a month and after that still earn the 5X TP

Click here to Maybankard 2 Cards Thread or click here to my Maybankard 2 Cards review.

2) OCBC Titanium MasterCard

a) Annual Fee waived with 12 swipes.

b) You earn 5% cash back everyday for Petrol, Dining, Groceries, Telco and Utilities.

c) cash back also capped at RM50/month, i.e. after spending RM1K on the 5% cash back categories, you won't get a sen more in cash back.

Click here to OCBC Titanium MasterCard thread to see where you can earn 5% cash back.

Noted one of your requirement is Movie and I guess that is why you looking at the Citi Clear Card. If you do go to movie on Fridays with a partner where you get 1 for 1 free ticket at GSC, TGV and Cathay, this card is excellent. If you only go like once a month to the movie on Friday, then you should go and calculate how much you can save and then deduct the annual fee of RM90 and RM50GST to come out with the effective savings. If you don't go to the movie on Fridays, you still get discounted ticket at TGV but you got to go many times just to break even with the annual fee. Now if you go with your partner to Coffee Bean Mon-Fri, this card is good too, but then again, you got to drink lots of coffee to break even the annual fee once again, hahahaha. First year annual fee is waived and you can always decide on the 11th month if the Citi Clear Card benefited you, if no cancel it before the 12th month (before card anniversary) to avoid paying GST.

Since your annual income is RM36K, you can only apply with 2 card issuers in accordance to BNM guidelines.

So, my recommendation is,

1) OCBC TMC and MBB 2 Cards if you want cash back only.

2) OCBC TMC or MBB 2 Cards if you want cash back + Citibank Clar Card for FREE 1 for 1 movie ticket.