I have questions regarding these 2 cards.

Are the points from each of the cards calculated together or separated?
If it is together then ok, but if it is separated then the question is can I redeem like (item 60 points, I use 30 points from each card)

Another question is that, how the cashback works?
I pay 1000 and they return 50 to me or statement rm1000-50 = i pay 950 ?