1. Annual Income: RM240k

2. Free Lifetime Annual Fee: prefer anything with option to waive annual fee

3. Card required for: cash back for restaurants, pubs & bars, petrol, telco and utilities bills, minor grocery

4. Existing credit cards if any: MBB visa infinite, Alliance Visa Infinite, Citibank Cashback (not so good), HLB Wise (was my cash back card till oct 2016), HLB GSC Visa

5. Looking at CC from: Any bank

6. Others: I primarily swipe most using my MBB visa infinite so that I hit annual 50k spending to waive the annual fee. Have been using the MBB VI for 3 years and past 2 years able to hit the 50k annual spending limit. Past 2 years have also been using the wise card and has been consistently getting a monthly cash back of RM100. Basically looking to replace wise card after the terms and condition changed. Tried the citibank cash back but it seems really not that good. I am thinking that it could be very possible that wise card could still be the best cash back card in the market, trying to seek other opinions on what other options i got.

The expenditure for my cash back is roughly as below:

1. Restaurant - 400 to 1200 monthly (varies a lot)
2. Pub and bar - 300 to 800 monthly
3. Petrol - 300 monthly
4. Maxis - 300 monthly
5. Internet - 150 monthly (Time fiber)
6. TNB - 170 monthly
7. Grocery - 200 - 400 monthly

Dont think there will be a cashback card that can fit all in the list and provide cash back most effectively. But just need one cash back card that can gain the most effective cash back from a selection from that expenditure list.