Guess I'll go with CIMB(mostly) or maybe UOB one.
The Citibank annual cashback after deduct annual fees, total save at about rm52.
I'm looking for an alternative card on everyday usage not just specific day,as I have ikhwan for weekend.
Thank you for the recommendation nevertheless.
Thank you for highlighting it up. Will read back the t&c.

Oh..  5% is good.  Any other catch or requirement?

Opps..  Sorry didnt know is She..  Sorry frutti

the only catch is to spend on friday and saturday.

Sifus, need your recommendation, please be detail  with explanation and not give me a single liner like Card ABC.

1. Annual Income:

2. Free Lifetime Annual Fee: A Must - either FREE FOR LIFE or with 12 swipes only

3. Card required for: Pure Cash Back/Rebate Card for transactions not related to Dining, Online, Petrol, Groceries, Overseas and Travel (hotel or airlines or travel agency).

4. Existing credit cards if any: Assuming I have HLB Essential.

5. Looking at CC from: Any Bank

6. Others: In view that fruitie just highlighted that the HLB Essential now only reward 0.6% cash back for spending below RM5K. What card can earn me more than 0.6% for general transactions with local spending less than RM1667/month. If I spend more RM1667/month (or RM5K per quarter) then I know I should get AEON Watami.

Above exercise is to allow me to come out with an article on how to optimize returns from CC.

Thank you Bro for the recommendations and detail explanation.     

AEON Watami, you are right!!! Above RM1K average per month up to RM1667 average per month.

OCBC GE 1% for less than RM1K  Going to promote this FREE FOR LIFE card, haha.

SCB a bit tricky like you mentioned because of monthly cap:

Spend between RM500 tp 800 cap is RM10/month!
Spend between 800 to RM1500, cap is RM20/month
Spend above 1500, cap is RM50/month.

So if one spend between RM1000 to RM1500 per month, easier to just go with AEON Watami where we get guaranteed 3% cash back PLUS points.

Say a person spends RM700 per month. RM700 x 2% = RM14. But cap RM10. Therefore cash back = 1.42% which is pretty good.

Per year = RM 120 cash back. Annual RM185.50. Effective cash back with annual = NEGATIVE!!! This card no good if spend below RM800 unless annual fee waived.

Say a person have fix RM900 expenses per month. RM900 x 3 = RM30 But cap is RM25. Therefore % cash back = 2.77%, very good since more than 1%.

Total cash back per year = RM300.

Effective cash back = (Total Annual Cash Back - Annual Fee) / Total Annual Transaction =  (RM300 - RM185.50)/ RM10,800 = 1.06%   

Sifu Devil4life, you're my hero      SCB Gold Card really good for RM800 to RM1K if the annual fee can be waived yearly. I am sure everyone would be happy to go beg for annual fee since get increase the cash back more than 100%!!! If not, use 1 year and then cancel the card

Side note, I called SCB CS, boy they are like HSBC, I got to press this and that before I get to talk to a human being. Anyway, the SCB CS confirmed first year annual fee waived tfor the gold card and second year annual fee will be imposed but can request for waiver.

I just published another credit tutorial titled Benefits of Credit Cards CC 118. My latest tutorial will benefit both new and existing credit card users. I will show you (recommend) which current credit cards are the best to earn you FREE Pocket Money or give you the best returns in terms of "cash back" or FREE makan at airports plus other benefits of owning the right credit cards.

And in the above tutorial, I also gave credit to my fellow Jedi Credit Card Masters - Devil4life for his detailed reply to my question where he introduced to me the FREE FOR LIFE OCBC Great Eastern MasterCard where it earns the cardholder 1% cash back for up to RM1K spending & fruitie for her detailed tutorial on how to earn 10% cash back for Unifi, Astro and Touch n Go with the HLB Wise.

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: -

3. Card required for: List all your needs. AirMiles, Free Plaza Premium Lounge Access

4. Existing credit cards if any: M2C, CIMB CR Plat MC, HLB WISE

5. Looking at CC from: PBB VS, Ambank WMC, mainly looking for good visa signature

6. Others: Actually looking for something that will collect good airmiles/points when used locally for like Rm2-5k transactions that are not under any category e.g. Car repairs, house downpayments, expensive packages etc. Was looking at Maybank VS but they're slashing the PPL tomorrow, seems less worthy. Although it only collects 1xTP.