You can always check M2U online, faster and easier.

Nope, for dual cards, you still have to use the AMEX as much as possible as it still have about 1% of cash back on all transactions.

I take 1%, as if redeem Aeonbig cash vouchers, you get slightly more

Credit card approval is subjected to your income and commitments.
I have Platinum dual cards but I applied for Ikhwan gold, yet still approved and start using the card within 3 weeks from day applied. Best of all, Ikhwan's credit limit are not the same as my dual cards.

Ask the officer or wait for 6 months.
For me as a PW member, I just go to the branch and ask them. Fast and safe.

If not mistaken, that is if we redeem on card centers only can get 1.25%.

My nearest card center is Gardens
With petrol and toll from Seremban, it will be 0%

Well, ever since they removed the 5% for all, TP collections are quite slow. I need to spend minimum rm8000 to get enough TPs.

Etiqa accepting it.
TP collection can be done during our new year shopping, so is still ok.
BTW, insurance won't protect you by any means most of the time.

Just make it simple, how many cards you have in hand?
If yes, how many of them are cash back cards?
If you are holding cash back cards, do they able to cover all of your transactions?
I have 5 credit cards, with 3 of them are cash back cards, most of my transactions are covered by the cash back cards, but some spending like in the hard ware shops are not, this is when the dual cards come handy.
And on the AF, as long as those small fonts never stated, they can't simple charge even you don't use the card. If really worry too much, just make a small transaction.

No problem, just to let you that this dual cards are not completely useless piece of junk
Only consider to cancel it when they revise the TP's benefits.

The catch is, not all restaurants accepting AMEX

Yup, have to see you what card(s) on hand, like mine still got PBB's VS, so AMEX only covers departmental where non of my cash back cards covering this.

Only AeonBig gift cards offering the best rate, 40000TPs for rm105.