Hi All,

I am looking for a CC with annual income > RM120k, preferably Visa/Master without annual fees (no Amex!). I don't mind taking clear card (doesn't have to be Gold or Platinum) but I cannot wrap my head around which is more important:

1. Reward Points
2. Cashback

Reward Points
I noticed that some offer 1x up to 5x rewards points (local vs overseas, Maybank huh) but some times their product catalogue give lousy products.

Cash back
Only selected merchant or stores give certain cash back capped at max RMx per month.

So which is more berbaloi for someone who runs a family with bills, petrol and groceries, not so much on shopping.