1. Annual Income: About RM95K

2. Free Lifetime Annual Fee: No

3. Card required for: Cashback. My monthly expenses are
Petrol RM300
Grocery RM500
TnG RM100 (This can be under grocery since I usually top up at Jaya Grocer)
Telco RM150
Dining RM200-400

4. Existing credit cards if any: HLB Wise, MBB 2 cards, Ikhwan Mastercard

5. Looking at CC from: HLB Mach, CIMB Cashback, PBB VS?

6. Others: I'll keep on using ikhwan for petrol and grocery, but would like to find another card for telco and dining. Would like PBB VS but my income is just under 100k, and that's including bonuses. Is HLB mach (dining + telco) a good card, or is there a better card for petrol, grocery, dining and telco?