1. Annual Income: RM100k - 180k
2. Free Lifetime Annual Fee: Yes if possible
3. Card required for: Anything NOT utilities, grocery, dining, petrol. ~20k spending per annum
4. Existing credit cards if any: PBB VS, Maybank Ikhwan
5. Looking at CC from: HL Visa Infinite

Hi, I am looking for a "Everything else" card that is not covered by my existing card.
My dilemma is I am not sure if i should find a enrich miles card or a unlimited 1% card. My annual CC expenditure is not that much that I will accumulate lots of miles and I am scared that it will expire before I have enough to claim.