Redeem your TP for AeonBig's gift card for rm105, then only shop on 28th each month and buy only stuffs that are doing heavy promo

If your pay are at rm60-80k, can always opt for HLB's STUPID card, can use to pay mobile, petrol. Still no direct bill payment if you want to get 8% of cash back. Lots of condition to be met. But I may choose groceries and use this as a tool to make some money buying buying 2KG Milo at <rm32 and sell it at rm32.50.

For most of the time, I'm using AMEX to pay utility bills. Even help paying other people's bills. And I get cash for this(5% and TP I keep). Then only I spend on other places. Those were the days

Public Bank's VS
But still waiting for approval.

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

That will only applicable if your spending are > rm100k 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.

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

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.

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.

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

Franchise junk food restaurants usually won't have problem on this.
But not those smaller scale type

Should have a pdf file to check. but for vouchers, redeem at card center like in Gardens.