Hi anyone here can recommend the best HSBC card by considering the followings:

1. Annual Income: 95k++

2. Annual Fee: Can waive

3. Card required for:

a) Buying kitchen cabinet, furniture and home electronics, and payment to Contractors. From physical shop and lazada/shopee. Preferable if card can give more good cashback as this is a one-off outflow for a few years use (for new house).

b) Recurring large annual expenditure on grabfood/foodpanda/shopee, car insurance, car service, internet, petrol, TNB, Syabas, cukai pintu & other government services. - points/cashback preferred

4. Existing credit cards (if any): Standard Chartered - not activated

5. Others: Prefer for points to be redeemed to online voucher or e-wallet top ups, and low interest rate borrowing.