Still will use AMEX as my daily card as haven decide which card to replace, but 5x points still worth 1.25%, it's not bad though.

Yes, u are right! Clever! :-P

Maybank historically hardly offer much for new signups (compared to other banks).

Correction, if local spending, PBB's VS are better since MBB's TP are only 1X.

It's good to have both.

That will only applicable if your spending are > rm100k a year

Not really.

PBB VS - 12 swipes a year
MBB VS - 50K a year

Maybe you are right, but if were to get maximum cash back from PBB's VS, then you are wrong.
But yeap, not rm100k and I need to spend rm60000 at least. So with this, getting lower standard MBB cards will be better.

PBB VS can be easily waived with 12 swipes.

MBB VS, take first and worry after a year later.

Usually I quite reluctant to apply a card and need to worry too much

Well, you should think of this way. In one year, anything can happen, who knows there is a better card will appear in one year time?

Optimistic~
In reality now everything is shrinking in benefit

If you know me in real life, you will notice how pessimistic I am.

Yeah, let it be and see how it floats later.

Indeed anything can happen, but I'm expecting more banks will join OCBC and MBB on slashing benefits
For the time being, MBB's dualcard is still worth to keep, until they revise the TPs again.

Then, it even makes more sense to use first and worry later.

Just joking, everyone has different thought.

My TNB bills already rm700 overpaid
Monthly average only rm50-70
Not to mention TM bill also the same
If just for the sake on getting cash back have to spend more, it is not that good in the long run.
That's why with PBB's VS just need to spend rm833 a month, it would be better for me, keeping my finger crossed until I got it.

last weekend using my Amex furiously.

I have only overpaid for my UniFi, I should be able to use it for few months while hoping my UOB VOX could be approved for my UniFi payment since it takes up quite a big chunk of my expenses every month.

Few months still ok to go with, but not until 10 months like me

Because I did spend for others like petrol, TNB, dining, so I only paid for few months only.