Mine are the other way round, receive sms on credit cards promotion, after 1 week then only got card to take

Well, as long as you got card to use on this weekend, why not?
If it comes on next week, then you may need to spend harder to get rm50 cash back

Well, it is quite easy to hit that rm1000 for me. Now I'm paying TNB, Streamyx bills(my house comes to about rm220 and my wife's taska about rm400). A dinner at KL in weekends. Balance of that rm1000 will be used to pay in advance on my TNB or Streamyx bill. So all my account monthly statement are -rm***
Starting to next month I'll pay my parent's bill also
Now I'm forced to spend rm2000 a month to get back rm150 of cash back.

You need to have strategy to use the cards.
For me, I only spend rm900 a month on everything. But by buying for others and pay other's bills, I managed to get full rm2000 a month. Even my mom disturb me on such heavy spending. I tell her back that this is how I cash out my cash and get some extra "interest" from it.

I got both cards which gives maximum cash back with lesser T&C. Last time was OCBC + WISE. I really missed OCBC's card which gives the less T&C.
Be a good boy and buy stuffs for parents(and give lesser cash)

Not all SC accept AMEX.

As long as they have Maybank card reader, then it should able to handle AMEX.

Maybe, as AMEX charge higher %, so not much merchant wants to use it.

Did online purchase regularly?

Then you better go for pay cash only
Petrol, groceries, dining, utilities bill you can use credit card. I don't see there's any reason to use cash like a petrol station you need to walk to the counter pay the cash then only fill.
Have to bring cash on buying groceries.
Queue at post office waiting for those snail workers and worry they count the cash wrongly.
When using cash, rm1000 spent are rm1000 spent.
But using AMEX, for rm1000 spent, you only pay rm950

I usually don't see the points first till I change something.
Most of the people still thinks using cash are better.
But for me, if know how to control, it will be better than using cash, for sure some places we can't use cash.

I will say this is case by case basis, no right or wrong on this.
Dining at hawker sure have to use cash. But if were in restaurant still use cash I think that's stupid, as with CC, I may get back some CB to offset the GST.
Buying electric appliances, buying using cash always cheaper(on the right shop) and using CC maybe more expensive. Again, ask the workers that paying using CC or cash and the difference from them.
Some like to use CC to pay ID or renovator. But they never knows that these people are charging 50% more. On this, I look for pay cash that are cheaper.

As an accountant, I'm quite surprise to know rm4.17 is nothing. No wonder Malaysians now the personal debt are >90%.
What can this rm4.17 do? That's 2 glasses of coffee C kosong for me or a breakfast. And now by using the card, I'm getting rm50 every month, again, that's nothing?
When you have a family to take care about, you will know that the rm2000 are not enough, giving cash to the old ones(you never give them before? If yes, shame on you), tuition fees and not to mention groceries.
No offence, but next time don't tell people that you are an accountant.

As a single person that working, just the petrol already clock rm200-400, mobile another rm20-100, staying outside need to pay utilities for rm100-300, some groceries like shampoo, food and detergents another rm100-400.
It is not hard to spend rm1000

Make it this way, bank are making money from the CC, either 18% interest or 1-3% from merchant. So the more we spend, the more they make. They shall not charge us anything from this.

OCBC last time do waive rm50 GST and annual fee(most bank will auto waive anyway) but with certain T&C.
MBB's TP for me I don't really care for it as I will control my spending at rm1000 a month max.
And if you are using lots of fuel, why not take HLB's WISE? It gives 8.25-9.6% of cash back which is highest among all banks.

Always follow statement balance when doing payment.

Due date was when? If still within a week, then should not be any problem.
This mistake I've done it before on HLB's WISE. Called the card center and they said as long as you paid in full before next statement date, it should be ok.
Still, call card center for a piece of mind.

That's why I said 8.25-9.5% of cash back. rm50 per transaction are not hard.
Also, you got total of 3(2+mobile) categories to choose from. I choose petrol, groceries and mobile. Petrol you can always refuel earlier, like now your transaction each time rm90 for 6 days, then you need to visit petrol station every 4 days.
My way on hitting 10 transaction, use as reference :
mobile spending every month : rm150-200
petrol : rm400-600
groceries : rm200-400
cash back are calculated based on transaction month(really have to take note on this)
1st week I'll swipe 5 transactions, 2 on petrol(mine and my wife), 2 times on groceries and 1 time mobile.
2nd week another 2 transactions on petrol and 1 groceries
3rd week case by case(should be another 2)
4th week 1st half will target hit the rm1000, will top up petrol to full again(since hit 10X so can be < rm50) and balance will pay mobile's bill(usually will pay more if possible)
To keep it simple, you need to have strategies on using this bloody card

People ask, I answer.

I have both of them, MBB and WISE. My spending also not that high, both of us only use about rm1000-1500 max.
Last time when using 1 card(OCBC), always burst rm1000. Initially when I got my second card(dump OCBC and get MBB), I have hard time to hit rm1000 for both cards.
Now I'm handling 3 family's groceries(WISE) and utilities bill(MBB) to hit rm1000 target each.
Some people getting a card and end up being sued bankruptcies while I'm getting money back from the card
Use wisely on the card and you will have freedom on your financial status.

Cannot, this STUPID card you must swipe rm1000 a month, else the actual cash back will be lower.

Mine 2 weeks as a my salary enter there. I never submit any document when being offer on this card