Actually if anyone have premier banking access and wanted an all rounder cards normal usage for KF.. HSBC Premier World Master Card seems not a bad choice.

10x overseas
8x Paywave
5x ewallet,online,grocery
1x others

15k for enrich or KF

If local spend half half between paywave and ewallet; we take 8+5/2 = as 6.5 points per rm1. Rm2.3 per miles

That is for lazy user like me who don’t want manage too many cards..

Correct me if I’m calculating it wrongly..

But overseas, just use UOB PME

wow, thanks all. Those fine prints really hidden.. no wonder can't see anyone recommending this card..